Evertec, Inc.

Hello and welcome to the Popular Incorporated First Quarter 2025 Earnings Call. My name is Elliot. I'll be your coordinator today. If you'd like to register a question during today's event, please press star one on your telephone keypad. I would like to hand over to Paul Garvillo, Investor Relations Officer. Please go ahead.

Good morning and thank you for joining us. With us on the call today is our CEO, Ignacio Alvarez, our President and COO, Javier Ferrer, our CFO, Jorge Garcia, and our CRO, Lidio Soriano. They'll review our results for the first quarter and then answer your questions. Other members of our management team will also be available during the Q&A session. Before we begin, I would like to remind you that during today's call, we may make forward-looking statements regarding POPULAR, such as projections of revenue, earnings, credit quality, expenses, taxes, and capital structure, as well as statements regarding POPULAR's plans and objectives. These statements are based on management's current expectations and are subject to risks and uncertainties. Factors that could cause actual results to differ materially from these forward-looking statements are set forth within today's earnings release and our SEC filings. You may find today's press release and our SEC filings on our webpage at popular.com. I will now turn the call over to our CEO, Ignacio Alvarez.

Thank you, Paul. Good morning to all. Before I begin, I'd like to apologize. I'm probably hearing my voice. hundred percent today and been under the weather. So I've asked Javier to cover the business highlights. But before turning over to him, I would like to make some comments regarding the announcement we made in February about my upcoming retirement on June 30th and the board's appointment of Javier as my successor. Javier is a proven leader and has assumed increasing responsibilities and has demonstrated that he has the experience and vision to lead Poblaria. He fosters a collaborative, high performance culture and will infuse new energy while ensuring a smooth transition into the CEO role. I am grateful for his support and friendship, which began close to 35 years ago. And I am confident that under his leadership, Poplar will continue to thrive. I have spent 15 incredibly rewarding years at Poplar. Leading this extraordinary organization since 2017 has been a privilege and the opportunity of a lifetime. I am immensely proud of what we have achieved in recent years thanks to the dedication and the hard work of our entire team. While there's no perfect time to retire, I am confident that the timing is right for this transition. Pappalaro is in a strong position and well prepared for the future. With that, I hand it over to Javier.