OFG Bancorp (OFG) Q1 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.478 Good morning. Thank you for joining OFG Bank Group's conference call. 00:00:05.478 -- 00:00:09.524 My name is Nikki. I will be your operator today. 00:00:09.524 -- 00:00:14.611 Our speakers are Jose Rafael Fernandez, Chief Executive Officer and 00:00:14.611 -- 00:00:17.775 Chairman of the Board of Directors, 00:00:17.775 -- 00:00:21.761 Maritza Arizmendi, Chief Financial Officer, 00:00:21.761 -- 00:00:26.247 and Cesar Ortiz, Chief Risk Officer. 00:00:26.247 -- 00:00:29.495 The presentation accompanies today's remarks. 00:00:29.495 -- 00:00:35.184 It can be found on the homepage of the OFG website under the first quarter 2026 00:00:35.184 -- 00:00:37.184 section. 00:00:37.929 -- 00:00:43.318 This call may feature certain forward-looking statements about management's goals, plans, 00:00:43.318 -- 00:00:45.598 and expectations. 00:00:46.283 -- 00:00:51.752 These statements are subject to risks and uncertainties outlined in the risk factors 00:00:51.752 -- 00:00:56.090 section of OFG's SEC filings. 00:00:56.090 -- 00:01:00.873 Azure results may differ materially from those currently anticipated. 00:01:00.995 -- 00:01:05.700 We disclaim any application to update information disclosed in this call as a result 00:01:05.700 -- 00:01:09.222 of developments that occur afterwards. 00:01:09.444 -- 00:01:14.289 Call lines have been placed on mute to prevent any background noise. 00:01:14.289 -- 00:01:18.473 After the speaker's remarks, there will be a question and answer session. 00:01:18.473 -- 00:01:22.037 Instructions will be given at that time. 00:01:22.037 -- 00:01:24.399 I would now like to turn the call over to Mr. 00:01:24.399 -- 00:01:26.399 Fernandez. 00:01:28.928 -- 00:01:30.950 Good morning and thank you for joining us. 00:01:30.950...