Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to ______________ Commission file number: 001-12647 OFG Bancorp (Exact name of registrant as specified in its charter) Commonwealth of Puerto ...

Good morning. Thank you for joining OFG Bancorp's Conference Call. My name is Shelby. 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, 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. Company Participants Good morning, and thank you for joining us. We are pl ...

January 26, 2023 Factors that might cause such a difference include but are not limited to (i) general business and economic conditions, including changes in interest rates; (ii) cybersecurity breaches; (iii) hurricanes, earthquakes and other natural disasters; (iv) competition in the financial services industry; and (v) the severity, magnitude and duration of the COVID-19 pandemic, and its impact on our operations, personnel, and customers. Quarterly Results 4Q22 Conference Call Forward Looking Statements ...

OFG Bancorp (NYSE:OFG) Q3 2022 Earnings Conference Call October 20, 2022 10:00 AM ET Company Participants Jose Fernandez - Chief Executive Officer & Vice Chairman Maritza Arizmendi - Chief Financial Officer Conference Call Participants Alex Twerdahl - Piper Sandler Kelly Motta - KBW Brett Rabatin - Hovde Group Timur Braziler - Wells Fargo Securities Operator [Call starts abruplty] Higher yield. This accounted for 43% of the increase in net interest income. Two, the increase in higheryielding investment secu ...

OFG Bancorp (NYSE:OFG) Q2 2022 Earnings Conference Call July 21, 2022 10:00 AM ET Company Participants Jose Fernandez - CEO & Vice Chair Maritza Arizmendi - CFO Conference Call Participants Brett Rabatin - Hovde Group Timur Braziler - Wells Fargo Alex Twerdahl - Piper Sandler Kelly Motta - KBW Operator Good morning. Thank you for joining the OFG Bancorp's Conference Call. My name is Katie and I will be your conference operator today. Our speakers are Jose Rafael Fernandez, Chief Executive Officer, and Vice ...

Quarterly Results 2Q22 Conference Call July 21, 2022 Forward Looking Statements The information included in this document contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on management's current expectations and involve certain risks and uncertainties that may cause actual results to differ materially from those expressed in the forward-looking statements. Factors that might cause such a difference include but ...

OFG Bancorp (NYSE:OFG) Q1 2022 Earnings Conference Call April 21, 2022 10:00 AM ET Company Participants Jose Rafael Fernandez - CEO & Vice Chair Maritza Arizmendi - CFO Conference Call Participants Alex Twerdahl - Piper Sandler Kelly Motta - KBW Brett Rabatin - Hovde Group Timur Braziler - Wells Fargo Alex Twerdahl - Piper Sandler Operator Good morning. Thank you for joining OFG Bancorp's Conference Call. My name is Gretchen. I will be your operator today. Our speakers are Jose Rafael Fernandez, Chief Execu ...

Quarterly Results 1Q22 Conference Call April 21, 2022 Forward Looking Statements The information included in this document contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on management's current expectations and involve certain risks and uncertainties that may cause actual results to differ materially from those expressed in the forward-looking statements. Factors that might cause such a difference include but ...

OFG Bancorp (NYSE:OFG) Q4 2021 Earnings Conference Call January 19, 2022 10:00 AM ET Company Participants Jose Rafael Fernandez - Chief Executive Officer & Vice Chair Maritza Arizmendi - Chief Financial Officer Conference Call Participants Alex Twerdahl - Piper Sandler Brett Rabatin - Hovde Group Timur Braziler - Wells Fargo Operator [Operator Instructions]. Good morning. Thank you for joining OFG Bancorp's Conference Call. My name is Britney, I will be your operator today. Our speakers are Jose Rafael Fern ...

OFG Bancorp (NYSE:OFG) Q3 2021 Earnings Conference Call October 20, 2021 10:00 AM ET Company Participants Jose Fernandez - Chief Executive Officer Maritza Arizmendi - Chief Financial Officer Conference Call Participants Alexander Twerdahl - Piper Sandler & Co. Steven Martin - Slater Capital Management, LLC Operator Good morning. Thank you for joining OFG Bancorp's Conference Call. My name is Ashley, and I will be your operator today. Our speakers today are Jose Rafael Fernandez, Chief Executive Officer and ...