Q4 2022 OFG Bancorp Earnings Call Transcript
Good morning. Thank you for joining OFG Bancorp's Conference Call. My name is Shelby, I will be your operator today. Our speakers are José Rafael Fernández, Chief Executive Officer and Vice Chair of the Board of Directors; and Maritza Arizmendi, Chief Financial Officer. A presentation accompanies today's remarks. It can be found on our Investor Relations website on the homepage in the What's New Box or on the Quarterly Results 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.
(Operator Instructions) I would now like to turn the call over to Mr. Fernandez.
Good morning, and thank you for joining us. We are
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