John Pelling | Investor Relations |
Aurelio Alemán | President and Chief Executive Officer |
Orlando Berges | Executive Vice President and Chief Financial Officer |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Alex Twerdahl | Piper Sandler |
Glen Manna | KBW |
Good morning. Welcome to the First BanCorp Fourth Quarter and Fiscal Year 2019 Results Conference Call [Operator Instructions]. After today's presentation, there'll be an opportunity to ask question. Please note that this event is being recorded.
I'll now turn the conference over to John Pelling, IR Officer.