Paul Cardillo | executive |
Ignacio Alvarez | executive |
Carlos Vazquez | executive |
Lidio Soriano | executive |
Timur Braziler | analyst |
Benjamin Gerlinger | analyst |
Alexander Roberts Twerdahl | analyst |
Kelly Motta | analyst |
Jorge Garcia | executive |
Broderick Preston | analyst |
Thomas Leddy | analyst |
Hello, and welcome to today's Popular Inc. 4Q earnings call. My name is Jordan, and I'll be coordinating your call today. [Operator Instructions]. I'm now going to hand over to Paul Cardillo, the Investor Relations Officer at Popular, Paul, please go ahead.