Operator Hello and welcome to the Popular Incorporated First Quarter 2025 Earnings Call. My name is Elliot. I'll be your coordinator today. [Operator Instructions] I would now like to hand over to Paul Cardillo, Investor Relations Officer. Please go ahead. Paul Cardillo Good morning and thank you for joining us. With us on the call today is our CEO, Ignacio Alvarez; our President and COO, Javier Ferrer; our CFO, Jorge Garcia; and our CRO, Lidio Soriano. They will review our results for the first quarter and ...