Popular, Inc. (BPOP) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.317 Hello, everybody, and welcome to the Popular Incorporated Fourth Quarter 2025 Earnings 00:00:05.317 -- 00:00:09.763 Call. My name is Elliott, and I'll be coordinating your call today. 00:00:09.763 -- 00:00:13.367 If you would like to register a question during today's event, please press star 1 on 00:00:13.367 -- 00:00:15.429 your telephone keypad. 00:00:15.429 -- 00:00:17.412 And I'd like to hand over to Paul Caldillo. 00:00:17.412 -- 00:00:19.852 Please go ahead. 00:00:21.416 -- 00:00:23.579 Good morning, and thank you for joining us. 00:00:23.579 -- 00:00:28.938 With me on the call today is our President and CEO, Javier Ferrer, our CFO, Jorge Garcia, 00:00:28.938 -- 00:00:33.623 and our CRO, Lydia Soriano. They will review our results for the full year and fourth 00:00:33.623 -- 00:00:37.388 quarter and then answer your questions. Other members of our management team will also 00:00:37.388 -- 00:00:42.313 be available during the Q&A session. Before we begin, I would like to remind you that 00:00:42.313 -- 00:00:46.097 during today's call, we may make forward-looking statements regarding POPULAR, such as 00:00:46.097 -- 00:00:51.103 projections of revenue, earnings, credit quality, expenses, taxes, and 00:00:51.103 -- 00:00:55.043 capital, as well as statements regarding POPULAR's plans and objectives. 00:00:55.043 -- 00:00:58.808 These statements are based on management's current expectations and are subject to risks 00:00:58.808 -- 00:01:02.994 and uncertainties. Factors that could cause actual results to differ materially from 00:01:02.994 -- 00:01:06.779 these forward-looking statements are set forth within today's earnings release and our 00:01:06.779 -- 00:01:11.486 SEC filings. You may find today's press release and our SE...