Q4 2019 OFG Bancorp Earnings Call Transcript
Good morning. Thank you for joining OFG Bancorp's conference call. My name is Christy, and I will be your operator today. Our speakers today are José Rafael Fernández, President, Chief Executive Officer and Vice Chairman; and Maritza Arizmendi, Executive Vice President and Chief Financial Officer.
A presentation accompanies today's remarks. It can be found on the Investor Relations website on the home page in the What's New box or on the Webcasts, Presentations & Other Files page.
This call may feature certain forward-looking statements about management's goals, plans and expectations. These statements are subject to risks and uncertainties outlined in the Risk Factors section of OFG's SEC filings. Actual results may differ materially from those currently anticipated. We disclaim any obligation to update information disclosed in this call as a result of developments that occur afterwards.
We also direct you to the explanation of non-GAAP measurements that are included in our presentation and news release. (Operator Instructions) I would now like to turn the call over to
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