OFG Bancorp (NYSE:OFG) Q3 2025 Earnings Call October 22, 2025 10:00 AM ET Speaker0Good morning. Thank you for joining OFG Bancorp's conference call. My name is Chloe, and I will be your operator today. Our speakers are José Rafael Fernández, Chief Executive Officer and Chairman of the Board of Directors, Maritza Arizmendi, Chief Financial Officer, and César Ortiz, Chief Risk Officer. A presentation accompanies today's remarks. It can be found on the homepage of the OFG website under the Third Quarter 2025 s ...