Paul Cardillo | Investor Relations Officer |
Ignacio Alvarez | President and Chief Executive Officer |
Carlos Vázquez | Executive Vice President and Chief Financial Officer |
Lidio Soriano | Executive Vice President and Chief Risk Officer of Corporate Risk Management Group |
Alexander Twerdahl | Piper Sandler & Co. |
Brock Vandervliet | UBS |
Glen Manna | Keefe, Bruyette & Woods, Inc. |
Gerard Cassidy | RBC Capital Markets, LLC |
Good morning and welcome to the Popular Fourth Quarter 2020 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Paul Cardillo, Investor Relations Officer.