OFG Bancorp (OFG) Q3 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:05.918 Good morning. Thank you for joining OFG Bancorp's conference call. 00:00:05.918 -- 00:00:08.962 My name is Chloe, and I will be your operator today. 00:00:08.962 -- 00:00:14.088 Our speakers are Jose Rafael Fernandez, Chief 00:00:14.088 -- 00:00:20.115 Executive Officer and Chairman of the Board of Directors, Maritza Arizmendi, 00:00:20.115 -- 00:00:25.202 Chief Financial Officer, and Cesar Ortiz, Chief Risk Officer. 00:00:25.202 -- 00:00:29.478 A presentation accompanies today's remarks. 00:00:29.478 -- 00:00:34.606 It can be found on the homepage of the OFG website under the third quarter 00:00:34.606 -- 00:00:37.530 2025 section. 00:00:37.530 -- 00:00:42.678 This call may feature certain forward-looking statements about management's goals, 00:00:42.678 -- 00:00:45.399 plans, and expectations. 00:00:45.522 -- 00:00:49.448 These statements are subject to risks and uncertainties 00:00:49.448 -- 00:00:55.904 outlined in the risk factor section of OFG's SEC filings. 00:00:55.904 -- 00:01:01.012 Actual results may differ materially from those currently anticipated. 00:01:01.012 -- 00:01:06.120 We disclaim any obligation to update information disclosed in this 00:01:06.120 -- 00:01:11.328 call as a result of developments that occur afterwards. 00:01:11.328 -- 00:01:15.775 All lines have been placed on mute to prevent any background noise. 00:01:15.775 -- 00:01:20.342 After the speaker's remarks, there will be a question and answer session. 00:01:20.342 -- 00:01:21.884 Instructions 00:01:21.884 -- 00:01:26.531 will be given at that time. I would now like to turn the call over to Mr. 00:01:26.531 -- 00:01:28.531 Fernandez. 00:01:29.755 -- 00:01:31.997 Good morning and thank you for joining us. 00:01:31.997 -- 00:01:35.361 We are pleased ...