OFG Bancorp is a dynamic and diversified financial holding company, operating under U. S., Puerto Rico, and U. S.

Virgin Islands banking laws and regulations. With a foundation dating back to 1964, we have established ourselves as a trusted provider of retail and commercial banking, lending, wealth management, and insurance services. Our subsidiaries, Oriental Bank, Oriental Financial Services, and Oriental Insurance, offer a comprehensive range of products and solutions to meet the diverse needs of our clients in Puerto Rico and the U.

S. Virgin Islands. As a challenger brand, we strive to set ourselves apart by consistently delivering an exceptional customer experience.

This is made possible by our commitment to innovation and digital capabilities, which enhance our operations and enable us to provide expert advice and agile solutions. We invite you to visit our award-winning Digital Annual Report site for a more dynamic presentation of our 2022 results. Should you require any further information, please don't hesitate to contact us.

At OFG Bancorp, we are dedicated to serving our clients with excellence and providing them with the financial tools they need to thrive