Ignacio Alvarez | President, CEO & Director |
Carlos Vázquez | EVP & CFO |
Lidio Soriano | EVP & Chief Risk Officer of Corporate Risk Management Group |
Alexander Twerdahl | Sandler O'Neill + Partners |
Brett Rabatin | Piper Jaffray Companies |
Arren Cyganovich | Citigroup |
Steven Duong | RBC Capital Markets |
Glen Manna | KBW |
Joseph Gladue | Merion Capital Group |
Good morning, and welcome to the Popular, Inc.
Third Quarter 2018 Earnings Conference Call. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the conference over to [indiscernible] for Popular.