OFG BANCORP

As described below, Items 10 through 14 (except with respect to the information set forth below under Item 12) are incorporated herein by reference to OFG’s definitive proxy statement to be filed with the SEC in March 2025 (and, in any event, not later than 120 days after the close of the fiscal year covered by this annual report on Form 10-K), pursuant to SEC Regulation 14A in connection with our annual meeting of shareholders to be held April 30, 2025, which involves the election of directors.

OFG’s corporate governance principles and guidelines, code of business conduct and ethics, and the charters of its audit committee, compensation committee, risk and compliance committee, and corporate governance and nominating committee are available free of charge on OFG’s website atwww.ofgbancorp.com under the corporate governance link. OFG’s Code of Business Conduct and Ethics applies to its directors, officers, employees and agents, including its principal executive, financial and accounting officers.

We have adopted an insider trading policy governing the purchase, sale and/or other transactions in securities by OFG’s employees and directors, and other individuals working on behalf of us (including contractors, consultants and professionals retained by us), that we believe is reasonably designed to promote compliance with insider trading laws, rules and regulations, and the exchange listing standards applicable to us. It is our policy to comply with all federal, state and foreign securities laws and other applicable laws (including by obtaining appropriate corporate approvals) when engaging in transactions in our securities. A copy of our insider trading policy is filed with this annual report on Form 10-K as Exhibit 19.1.