Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to ______________ Commission file number: 001-12647 OFG Bancorp (Exact name of registrant as specified in its charter) Commonwealth of Puerto ...

Financial Data and Key Metrics Changes - The company reported strong performance for the fourth quarter and fiscal year 2022, reflecting significant progress in executing its strategies [3] - The financial results indicate a solid position as a challenger bank, differentiating from competitors through technology deployment and network expansion [3] Business Line Data and Key Metrics Changes - The company has expanded its self-service banking options, now offering seven self-service banking kiosks and 23 Interactive Teller Machines, enhancing customer experience [8] Market Data and Key Metrics Changes - The company is focusing on a digital-first business transformation, which is expected to solidify its market position and improve competitiveness [3] Company Strategy and Development Direction - The company is committed to investing in technology and talent, aiming to enhance its service offerings and operational efficiency [3] - The strategic focus on digital transformation is intended to differentiate the company from traditional banks and improve customer engagement [3] Management's Comments on Operating Environment and Future Outlook - Management expressed pride in the company's achievements over the past year and emphasized the importance of ongoing investments in technology and customer service [3] Other Important Information - The call included forward-looking statements regarding management's goals and expectations, with a disclaimer about potential risks and uncertainties [4] Q&A Session Summary Question: What are the company's future growth strategies? - Management highlighted the focus on digital transformation and enhancing customer service as key growth strategies moving forward [3]

January 26, 2023 Factors that might cause such a difference include but are not limited to (i) general business and economic conditions, including changes in interest rates; (ii) cybersecurity breaches; (iii) hurricanes, earthquakes and other natural disasters; (iv) competition in the financial services industry; and (v) the severity, magnitude and duration of the COVID-19 pandemic, and its impact on our operations, personnel, and customers. Quarterly Results 4Q22 Conference Call Forward Looking Statements ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 OFG Bancorp (Exact name of registrant as specified in its charter) or FORM 10-Q Commonwealth of Puerto Rico 66-0538893 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to ______________ Commission File Number: 001-12647 For the quarterly period ended ...

OFG Bancorp (NYSE:OFG) Q3 2022 Earnings Conference Call October 20, 2022 10:00 AM ET Company Participants Jose Fernandez - Chief Executive Officer & Vice Chairman Maritza Arizmendi - Chief Financial Officer Conference Call Participants Alex Twerdahl - Piper Sandler Kelly Motta - KBW Brett Rabatin - Hovde Group Timur Braziler - Wells Fargo Securities Operator [Call starts abruplty] Higher yield. This accounted for 43% of the increase in net interest income. Two, the increase in higher-yielding investment sec ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to ______________ Commission File Number: 001-12647 OFG Bancorp (Exact Name of registrant as specified in its charter) Commonwealth of Puerto Ri ...

OFG Bancorp (NYSE:OFG) Q2 2022 Earnings Conference Call July 21, 2022 10:00 AM ET Company Participants Jose Fernandez - CEO & Vice Chair Maritza Arizmendi - CFO Conference Call Participants Brett Rabatin - Hovde Group Timur Braziler - Wells Fargo Alex Twerdahl - Piper Sandler Kelly Motta - KBW Operator Good morning. Thank you for joining the OFG Bancorp's Conference Call. My name is Katie and I will be your conference operator today. Our speakers are Jose Rafael Fernandez, Chief Executive Officer, and Vice ...

Quarterly Results 2Q22 Conference Call July 21, 2022 Forward Looking Statements The information included in this document contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on management's current expectations and involve certain risks and uncertainties that may cause actual results to differ materially from those expressed in the forward-looking statements. Factors that might cause such a difference include but ...

☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 193 For the quarterly period ended March 31, 2022 or UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to ______________ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Indicate by c ...

OFG Bancorp (NYSE:OFG) Q1 2022 Earnings Conference Call April 21, 2022 10:00 AM ET Company Participants Jose Rafael Fernandez - CEO & Vice Chair Maritza Arizmendi - CFO Conference Call Participants Alex Twerdahl - Piper Sandler Kelly Motta - KBW Brett Rabatin - Hovde Group Timur Braziler - Wells Fargo Alex Twerdahl - Piper Sandler Operator Good morning. Thank you for joining OFG Bancorp's Conference Call. My name is Gretchen. I will be your operator today. Our speakers are Jose Rafael Fernandez, Chief Execu ...