José Fernández | executive |
Maritza Arizmendi | executive |
Alexander Roberts Twerdahl | analyst |
Brett Rabatin | analyst |
Cesar Ortiz-Marcano | executive |
Kelly Motta | analyst |
Good morning. Thank you for joining OFG Bancorp's conference call. My name is Todd, and I will be your operator today.
Our speakers are José Rafael Fernández, Chief Executive Officer and Vice Chair of the Board of Directors; and Maritza Arizmendi, Chief Financial Officer. A presentation accompanies today's remarks.