Q4 2023 OFG Bancorp Earnings Call Transcript
Good morning. Thank you for joining OFG Bancorp's conference call. My name is Todd and I will be your operator today. Our speakers are Jose Rafael Fernandez, Chief Executive Officer, and Vice Chair of the Board of Directors and Maritza Arizmendi Diaz, Chief Financial Officer. A presentation accompanies today's remarks can be found on the homepage of the OFG website under the fourth quarter 2023 sections.
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 OSG'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. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session. Instructions will be given at that time.
I would now like to turn the call over to Mr. Fernandez. Please go.
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