OFG Bancorp (OFG) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.820 Good morning, thank you for joining OFG TimeCorps conference call. 00:00:05.820 -- 00:00:08.884 My name is Nikki and I will be your operator today. 00:00:08.884 -- 00:00:10.707 Our 00:00:10.707 -- 00:00:15.855 speakers are Jose Rafael Fernandez, Chief Executive Officer and 00:00:15.855 -- 00:00:18.759 Chairman of the Board of Directors. 00:00:18.759 -- 00:00:23.146 Maritza Arizmendi, Chief Financial Officer. 00:00:23.146 -- 00:00:27.950 And Cesar Ortiz, Chief Risk Officer. 00:00:27.976 -- 00:00:31.481 A presentation accompanies today's remarks. 00:00:31.481 -- 00:00:36.588 It can be found on the homepage of the OFG website under the fourth quarter 00:00:36.588 -- 00:00:39.209 2025 section. 00:00:39.753 -- 00:00:45.281 This call may feature certain forward-looking statements about management's goals, plans, 00:00:45.281 -- 00:00:47.601 and expectations. 00:00:48.145 -- 00:00:53.212 These statements are subject to risks and uncertainties outlined in the risk 00:00:53.212 -- 00:00:58.997 sectors section of OFG's SEC filings. 00:00:59.009 -- 00:01:03.674 Actual results may differ materially from those currently anticipated. 00:01:03.674 -- 00:01:08.759 We disclaim any obligation to update information disclosed in this call as a result 00:01:08.759 -- 00:01:12.201 of developments that occur afterwards. 00:01:12.243 -- 00:01:16.748 All lines have been placed on mute to prevent any background noise. 00:01:16.748 -- 00:01:21.253 After the speaker's remarks, there will be a question and answer session. 00:01:21.253 -- 00:01:24.576 Instructions will be given at that time. 00:01:24.576 -- 00:01:26.798 I would now like to turn the call over to Mr. 00:01:26.798 -- 00:01:28.798 Fernandez. 00:01:31.662 -- 00:01:33.625 Good morning and thank you f...