OFG Bancorp (OFG) Q1 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.179 Good morning. Thank you for joining OFG Bancorp's conference call. 00:00:05.179 -- 00:00:07.602 My name is Madison. I will be your operator today. 00:00:07.602 -- 00:00:12.750 Our speakers are Jose Rafael Fernandez, Chief Executive Officer 00:00:12.750 -- 00:00:17.878 and Chairman of the Board of Directors, Maritza Arizmendi, Chief Financial Officer, and 00:00:17.878 -- 00:00:23.226 Cesar Ortiz, Chief Risk Officer. A presentation accompanies today's remarks. 00:00:23.226 -- 00:00:29.225 It can be found on the homepage of the OFG website under the first quarter 2025 section. 00:00:29.225 -- 00:00:33.429 This call may feature certain forward-looking statements about management's goals, plans, 00:00:33.429 -- 00:00:35.030 and expectations. 00:00:35.030 -- 00:00:38.093 These statements are subject to risks and uncertainties. 00:00:38.093 -- 00:00:43.238 Outlined in the risk factors section of OFG's SEC filings, actual results may 00:00:43.238 -- 00:00:46.220 differ materially from those currently anticipated. 00:00:46.220 -- 00:00:51.265 We disclaim any obligation to update information disclosed in this call. 00:00:51.265 -- 00:00:55.689 As a result of developments that occur afterwards, all lines have been placed on mute 00:00:55.689 -- 00:00:59.679 to prevent background noise. After the speaker's remarks, there will be a question and 00:00:59.679 -- 00:01:02.443 answer session. Instructions will be given at that time. 00:01:02.443 -- 00:01:05.048 I would now like to turn the call over to Mr. 00:01:05.048 -- 00:01:07.048 Fernandez. 00:01:09.094 -- 00:01:11.618 Good morning and thank you for joining us. 00:01:11.618 -- 00:01:15.084 We are pleased to report our first quarter results. 00:01:15.084 -- 00:01:20.593 As we look at page three...