Paul Cardillo | Investor Relations Officer |
Ignacio Alvarez | CEO |
Carlos Vázquez | CFO |
Lidio Soriano | CRO |
Alex Twerdahl | Sandler O'Neill. |
Brett Rabatin | Piper Jaffray |
Gerard Cassidy | RBC Capital Markets |
Glen Manna | Keefe Bruyette and Woods |
Ken Zerbe | Morgan Stanley |
Scott Valentine | Compass Point |
Bob Napoli | William Blair |
Good morning, and welcome to the Popular, Inc. Fourth Quarter 2018 Earnings Conference Call. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the conference over to Paul Cardillo, Investor Relations Officer, at Popular Inc.