OFG Bancorp(OFG) - 2022 Q4 - 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 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 ...