First BanCorp. New (FBP) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.816 Hello and welcome everyone to the first Bancorp 4Q 2025 00:00:05.816 -- 00:00:09.860 and full year 2025 financial results. 00:00:09.860 -- 00:00:13.023 My name is Becky and I will be your operator today. 00:00:13.023 -- 00:00:16.446 All lines will be muted throughout the presentation portion of the call with a chance 00:00:16.446 -- 00:00:21.451 for Q&A at the end. If you wish to ask a question in this time, please press start followed 00:00:21.451 -- 00:00:23.973 by one on your telephone keypads. 00:00:23.973 -- 00:00:28.097 I will now hand over to your host Ramon Rodriguez, Investor Relations Officer to begin. 00:00:28.097 -- 00:00:30.918 Please go ahead. 00:00:32.684 -- 00:00:37.050 Thank you, Becky. Good morning, everyone. Thank you for joining First Bank Corp's conference 00:00:37.050 -- 00:00:40.996 call and webcast to discuss the company's financial results for the fourth quarter and 00:00:40.996 -- 00:00:43.099 full year 2025. 00:00:43.099 -- 00:00:47.845 Joining you today from First Bank Corp are Aurelio Alemán, President and Chief Executive 00:00:47.845 -- 00:00:53.253 Officer, and Orlando Vérez, Executive Vice President and Chief Financial Officer. 00:00:53.253 -- 00:00:57.519 Before we begin today's call, it is my responsibility to inform you that this call may 00:00:57.519 -- 00:01:01.912 involve certain forward-looking statements, such as projections of revenue, earnings, 00:01:01.912 -- 00:01:05.577 and capital structure, as well as statements on the plans and objectives of the company's 00:01:05.577 -- 00:01:09.663 business. The company's actual results could differ materially from the forward-looking 00:01:09.663 -- 00:01:12.447 statements made due to the important 00:01:12.447 -- 00:01:15.571 factors described in ...