<?xml version="1.0" encoding="UTF-8"?>
<!-- Prepared by IBM Cognos Disclosure Management XBRL Version: 10.3.0.0.5 (3560) Using Fujitsu -->
<!-- Validation status: Passed -->
<linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/instance http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink">
    <roleRef roleURI="http://orientalfg.com/role/AccountingPoliciesPolicies" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AccountingPoliciesPolicies" />
    <roleRef roleURI="http://orientalfg.com/role/AccruedInterestAndOtherAssetsNarrativesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AccruedInterestAndOtherAssetsNarrativesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/AccruedInterestAndOtherAssetsOtherAssetsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AccruedInterestAndOtherAssetsOtherAssetsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/AccruedInterestReceivableAndOtherAssets" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AccruedInterestReceivableAndOtherAssets" />
    <roleRef roleURI="http://orientalfg.com/role/AccruedInterestReceivableAndOtherAssetsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AccruedInterestReceivableAndOtherAssetsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/AccruedInterestReceivableAndOtherAssetsTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AccruedInterestReceivableAndOtherAssetsTables" />
    <roleRef roleURI="http://orientalfg.com/role/AccumulatedOtherComprehensiveIncome" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AccumulatedOtherComprehensiveIncome" />
    <roleRef roleURI="http://orientalfg.com/role/AccumulatedOtherComprehensiveIncomeAccumulatedComprehensiveIncomeNetOfIncomeTaxDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AccumulatedOtherComprehensiveIncomeAccumulatedComprehensiveIncomeNetOfIncomeTaxDetails" />
    <roleRef roleURI="http://orientalfg.com/role/AccumulatedOtherComprehensiveIncomeChangesInOtherComprehensiveIncomeByComponentsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AccumulatedOtherComprehensiveIncomeChangesInOtherComprehensiveIncomeByComponentsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/AccumulatedOtherComprehensiveIncomeReclassificationsOutOfOtherComprehensiveIncomeDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AccumulatedOtherComprehensiveIncomeReclassificationsOutOfOtherComprehensiveIncomeDetails" />
    <roleRef roleURI="http://orientalfg.com/role/AccumulatedOtherComprehensiveIncomeTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AccumulatedOtherComprehensiveIncomeTables" />
    <roleRef roleURI="http://orientalfg.com/role/AllowanceForLoanAndLeaseLosses" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AllowanceForLoanAndLeaseLosses" />
    <roleRef roleURI="http://orientalfg.com/role/AllowanceForLoanAndLeaseLossesAllowanceForAcquiredEurobankLoanAndLeaseLossesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AllowanceForLoanAndLeaseLossesAllowanceForAcquiredEurobankLoanAndLeaseLossesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/AllowanceForLoanAndLeaseLossesAllowanceForLoanAndLeaseLossesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AllowanceForLoanAndLeaseLossesAllowanceForLoanAndLeaseLossesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/AllowanceForLoanAndLeaseLossesCompositionOfTheCompanysAllowanceForLoanAndLeaseLossesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AllowanceForLoanAndLeaseLossesCompositionOfTheCompanysAllowanceForLoanAndLeaseLossesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/AllowanceForLoanAndLeaseLossesGrossLoanAndAllowanceForLoanAndLeaseLossesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AllowanceForLoanAndLeaseLossesGrossLoanAndAllowanceForLoanAndLeaseLossesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/AllowanceForLoanAndLeaseLossesNarrativeDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AllowanceForLoanAndLeaseLossesNarrativeDetails" />
    <roleRef roleURI="http://orientalfg.com/role/AllowanceForLoanAndLeaseLossesTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_AllowanceForLoanAndLeaseLossesTables" />
    <roleRef roleURI="http://orientalfg.com/role/BankingAndFinanialServiceRevenues" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BankingAndFinanialServiceRevenues" />
    <roleRef roleURI="http://orientalfg.com/role/BankingAndFinanialServiceRevenuesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BankingAndFinanialServiceRevenuesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/BankingAndFinanialServiceRevenuesTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BankingAndFinanialServiceRevenuesTables" />
    <roleRef roleURI="http://orientalfg.com/role/BorrowingsAdvancesFromTheFederalHomeLoanBankDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BorrowingsAdvancesFromTheFederalHomeLoanBankDetails" />
    <roleRef roleURI="http://orientalfg.com/role/BorrowingsAndRelatedInterest" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BorrowingsAndRelatedInterest" />
    <roleRef roleURI="http://orientalfg.com/role/BorrowingsAndRelatedInterestNarrativeDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BorrowingsAndRelatedInterestNarrativeDetails" />
    <roleRef roleURI="http://orientalfg.com/role/BorrowingsAndRelatedInterestTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BorrowingsAndRelatedInterestTables" />
    <roleRef roleURI="http://orientalfg.com/role/BorrowingsOtherSignificantDetailsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BorrowingsOtherSignificantDetailsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/BorrowingsRedemptionFundDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BorrowingsRedemptionFundDetails" />
    <roleRef roleURI="http://orientalfg.com/role/BorrowingsRepurchaseAgreementsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BorrowingsRepurchaseAgreementsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/BorrowingsRepurchaseTransactionLiabilityAndMarketValueOfItsUnderlyingCollateralDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BorrowingsRepurchaseTransactionLiabilityAndMarketValueOfItsUnderlyingCollateralDetails" />
    <roleRef roleURI="http://orientalfg.com/role/BorrowingsSecuritiesSoldUnderAgreementToRepurchaseByCounterpartiesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BorrowingsSecuritiesSoldUnderAgreementToRepurchaseByCounterpartiesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/BusinessSegment" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BusinessSegment" />
    <roleRef roleURI="http://orientalfg.com/role/BusinessSegmentsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BusinessSegmentsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/BusinessSegmentsNarrativeDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BusinessSegmentsNarrativeDetails" />
    <roleRef roleURI="http://orientalfg.com/role/BusinessSegmentsTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_BusinessSegmentsTables" />
    <roleRef roleURI="http://orientalfg.com/role/CommitmentsAndContingencies" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_CommitmentsAndContingencies" />
    <roleRef roleURI="http://orientalfg.com/role/CommitmentsAndContingenciesTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_CommitmentsAndContingenciesTables" />
    <roleRef roleURI="http://orientalfg.com/role/CommitmentsFutureRentalCommitmentsUnderLeasesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_CommitmentsFutureRentalCommitmentsUnderLeasesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/CommitmentsNarrativesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_CommitmentsNarrativesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/CommitmentsSummarizedCreditrelatedFinancialInstrumentsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_CommitmentsSummarizedCreditrelatedFinancialInstrumentsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/ConsolidatedStatementsOfCashFlows" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_ConsolidatedStatementsOfCashFlows" />
    <roleRef roleURI="http://orientalfg.com/role/ConsolidatedStatementsOfChangesInStockholdersEquity" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_ConsolidatedStatementsOfChangesInStockholdersEquity" />
    <roleRef roleURI="http://orientalfg.com/role/ConsolidatedStatementsOfComprehensiveIncomeLoss" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_ConsolidatedStatementsOfComprehensiveIncomeLoss" />
    <roleRef roleURI="http://orientalfg.com/role/ConsolidatedStatementsOfFinancialCondition" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_ConsolidatedStatementsOfFinancialCondition" />
    <roleRef roleURI="http://orientalfg.com/role/ConsolidatedStatementsOfFinancialConditionParenthetical" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_ConsolidatedStatementsOfFinancialConditionParenthetical" />
    <roleRef roleURI="http://orientalfg.com/role/ConsolidatedStatementsOfOperations" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_ConsolidatedStatementsOfOperations" />
    <roleRef roleURI="http://orientalfg.com/role/DepositsAndRelatedInterest" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DepositsAndRelatedInterest" />
    <roleRef roleURI="http://orientalfg.com/role/DepositsAndRelatedInterestDepositsByComponentsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DepositsAndRelatedInterestDepositsByComponentsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/DepositsAndRelatedInterestInterestExpenseDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DepositsAndRelatedInterestInterestExpenseDetails" />
    <roleRef roleURI="http://orientalfg.com/role/DepositsAndRelatedInterestMaturitiesOfTimeDepositsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DepositsAndRelatedInterestMaturitiesOfTimeDepositsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/DepositsAndRelatedInterestNarrativesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DepositsAndRelatedInterestNarrativesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/DepositsAndRelatedInterestTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DepositsAndRelatedInterestTables" />
    <roleRef roleURI="http://orientalfg.com/role/DerivativeActivities" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DerivativeActivities" />
    <roleRef roleURI="http://orientalfg.com/role/DerivativeActivitiesDerivativeAssetsAndLiabilitiesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DerivativeActivitiesDerivativeAssetsAndLiabilitiesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/DerivativeActivitiesInterestRateSwapAndTheirTermDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DerivativeActivitiesInterestRateSwapAndTheirTermDetails" />
    <roleRef roleURI="http://orientalfg.com/role/DerivativeActivitiesInterestRateSwapNotDesignatedAsHedgingInstrumentsAndTheirTermDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DerivativeActivitiesInterestRateSwapNotDesignatedAsHedgingInstrumentsAndTheirTermDetails" />
    <roleRef roleURI="http://orientalfg.com/role/DerivativeActivitiesMaturityYearsOfSwaptionsTiedToSPDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DerivativeActivitiesMaturityYearsOfSwaptionsTiedToSPDetails" />
    <roleRef roleURI="http://orientalfg.com/role/DerivativeActivitiesNarrativesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DerivativeActivitiesNarrativesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/DerivativeActivitiesTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DerivativeActivitiesTables" />
    <roleRef roleURI="http://orientalfg.com/role/DisclosurePledgeAssetsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_PledgeAssetsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/DisclosureRestrictedCashTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DisclosureRestrictedCashTables" />
    <roleRef roleURI="http://orientalfg.com/role/DocumentDocumentAndEntityInformation" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DocumentAndEntityInformation" />
    <roleRef roleURI="http://orientalfg.com/role/EarningPerCommonShareTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_EarningPerCommonShareTables" />
    <roleRef roleURI="http://orientalfg.com/role/EarningsPerCommonShare" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_EarningsPerCommonShare" />
    <roleRef roleURI="http://orientalfg.com/role/EarningsPerCommonShareEarningsPerCommonShareDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_EarningsPerCommonShareEarningsPerCommonShareDetails" />
    <roleRef roleURI="http://orientalfg.com/role/EarningsPerCommonShareNarrativeDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_EarningsPerCommonShareNarrativeDetails" />
    <roleRef roleURI="http://orientalfg.com/role/EmployeeBenefitPlan" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_EmployeeBenefitPlan" />
    <roleRef roleURI="http://orientalfg.com/role/EmployeeBenefitPlanNarrativeDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_EmployeeBenefitPlanNarrativeDetails" />
    <roleRef roleURI="http://orientalfg.com/role/EquityBasedCompensationPlan" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_EquityBasedCompensationPlan" />
    <roleRef roleURI="http://orientalfg.com/role/EquitybasedCompensationPlanAssumptionsUsedInEstimatingFairValueOfTheOptionsGrantedDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_EquitybasedCompensationPlanAssumptionsUsedInEstimatingFairValueOfTheOptionsGrantedDetails" />
    <roleRef roleURI="http://orientalfg.com/role/EquitybasedCompensationPlanEquityBasedCompensationPlanDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_EquitybasedCompensationPlanEquityBasedCompensationPlanDetails" />
    <roleRef roleURI="http://orientalfg.com/role/EquitybasedCompensationPlanNarrativesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_EquitybasedCompensationPlanNarrativesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/EquitybasedCompensationPlanSummaryOfTheRestrictedUnitsActivityUnderTheOmnibusPlanDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_EquitybasedCompensationPlanSummaryOfTheRestrictedUnitsActivityUnderTheOmnibusPlanDetails" />
    <roleRef roleURI="http://orientalfg.com/role/EquityBasedCompensationPlanTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_EquityBasedCompensationPlanTables" />
    <roleRef roleURI="http://orientalfg.com/role/EquityBasedCompensationSummaryOfTheRangeOfExercisePricesAndTheWeightedAverageRemainingContractualLifeOfTheOptionsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_EquityBasedCompensationSummaryOfTheRangeOfExercisePricesAndTheWeightedAverageRemainingContractualLifeOfTheOptionsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/FairValue" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_FairValue" />
    <roleRef roleURI="http://orientalfg.com/role/FairValueAssetsAndLiabilitiesOnRecurringAndNonrecurringBasisDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_FairValueAssetsAndLiabilitiesOnRecurringAndNonrecurringBasisDetails" />
    <roleRef roleURI="http://orientalfg.com/role/FairValueEstimatedFairValueAndCarryingValueDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_FairValueEstimatedFairValueAndCarryingValueDetails" />
    <roleRef roleURI="http://orientalfg.com/role/FairValueQualitativeInformationForAssetsAndLiabilitiesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_FairValueQualitativeInformationForAssetsAndLiabilitiesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/FairValueReconciliationOfAssetsAndLiabilitiesUsingSignificantUnobservableInputsLevel3Details" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_FairValueReconciliationOfAssetsAndLiabilitiesUsingSignificantUnobservableInputsLevel3Details" />
    <roleRef roleURI="http://orientalfg.com/role/FairValueTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_FairValueTables" />
    <roleRef roleURI="http://orientalfg.com/role/FDICIndemnificationAndTrueupPaymentObligationTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_FDICIndemnificationAndTrueupPaymentObligationTables" />
    <roleRef roleURI="http://orientalfg.com/role/FDICIndemnificationAssetAndTrueupPaymentObligation" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_FDICIndemnificationAssetAndTrueupPaymentObligation" />
    <roleRef roleURI="http://orientalfg.com/role/FDICIndemnificationAssetAndTrueupPaymentObligationFairValueAndTheUndiscountedAmountOfTheTrueupPaymentObligationDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_FDICIndemnificationAssetAndTrueupPaymentObligationFairValueAndTheUndiscountedAmountOfTheTrueupPaymentObligationDetails" />
    <roleRef roleURI="http://orientalfg.com/role/FDICIndemnificationAssetAndTrueupPaymentObligationFDICIndemnificationAssetRollForwardDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_FDICIndemnificationAssetAndTrueupPaymentObligationFDICIndemnificationAssetRollForwardDetails" />
    <roleRef roleURI="http://orientalfg.com/role/FDICIndemnificationAssetAndTrueupPaymentObligationFDICIndemnificationExpenseDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_FDICIndemnificationAssetAndTrueupPaymentObligationFDICIndemnificationExpenseDetails" />
    <roleRef roleURI="http://orientalfg.com/role/FDICIndemnificationIndemnificationAssetAndTrueupPaymentObligationNarrativeDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_FDICIndemnificationIndemnificationAssetAndTrueupPaymentObligationNarrativeDetails" />
    <roleRef roleURI="http://orientalfg.com/role/ForeclosedRealEstate" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_ForeclosedRealEstate" />
    <roleRef roleURI="http://orientalfg.com/role/ForeclosedRealEstateRollforwardDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_ForeclosedRealEstateRollforwardDetails" />
    <roleRef roleURI="http://orientalfg.com/role/ForeclosedRealEstateTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_ForeclosedRealEstateTables" />
    <roleRef roleURI="http://orientalfg.com/role/Guarantees" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_Guarantees" />
    <roleRef roleURI="http://orientalfg.com/role/GuaranteesChangesInLiabiltyOfEstimatedLossFromCreditRecourseAgreementDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_GuaranteesChangesInLiabiltyOfEstimatedLossFromCreditRecourseAgreementDetails" />
    <roleRef roleURI="http://orientalfg.com/role/GuaranteesNarrativeDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_GuaranteesNarrativeDetails" />
    <roleRef roleURI="http://orientalfg.com/role/GuaranteesTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_GuaranteesTables" />
    <roleRef roleURI="http://orientalfg.com/role/HoldingCompanyFinancialInformation" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_HoldingCompanyFinancialInformation" />
    <roleRef roleURI="http://orientalfg.com/role/HoldingCompanyFinancialInformationTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_HoldingCompanyFinancialInformationTables" />
    <roleRef roleURI="http://orientalfg.com/role/IncomeTaxes" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_IncomeTaxes" />
    <roleRef roleURI="http://orientalfg.com/role/IncomeTaxesComponentsOfDeferredTaxAssetsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_IncomeTaxesComponentsOfDeferredTaxAssetsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/IncomeTaxesComponentsOfIncomeTaxExpensebenefitDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_IncomeTaxesComponentsOfIncomeTaxExpensebenefitDetails" />
    <roleRef roleURI="http://orientalfg.com/role/IncomeTaxesEffectiveIncomeTaxRateReconciliationDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_IncomeTaxesEffectiveIncomeTaxRateReconciliationDetails" />
    <roleRef roleURI="http://orientalfg.com/role/IncomeTaxesNarrativesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_IncomeTaxesNarrativesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/IncomeTaxesTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_IncomeTaxesTables" />
    <roleRef roleURI="http://orientalfg.com/role/IncomeTaxReconciliationOfUnrecognizedTaxBenefitsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_IncomeTaxReconciliationOfUnrecognizedTaxBenefitsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/InvestmentSecurities" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_InvestmentSecurities" />
    <roleRef roleURI="http://orientalfg.com/role/InvestmentSecuritiesGainsAndLossesByCategoryDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_InvestmentSecuritiesGainsAndLossesByCategoryDetails" />
    <roleRef roleURI="http://orientalfg.com/role/InvestmentSecuritiesGrossRealizeGainsAndLossesByCategoryDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_InvestmentSecuritiesGrossRealizeGainsAndLossesByCategoryDetails" />
    <roleRef roleURI="http://orientalfg.com/role/InvestmentSecuritiesInvestmentSecuritiesByContractualMaturityDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_InvestmentSecuritiesInvestmentSecuritiesByContractualMaturityDetails" />
    <roleRef roleURI="http://orientalfg.com/role/InvestmentSecuritiesInvestmentSecuritiesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_InvestmentSecuritiesInvestmentSecuritiesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/InvestmentSecuritiesNarrativeDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_InvestmentSecuritiesNarrativeDetails" />
    <roleRef roleURI="http://orientalfg.com/role/InvestmentSecuritiesOtherthantemporarilyImpairedSecuritiesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_InvestmentSecuritiesOtherthantemporarilyImpairedSecuritiesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/InvestmentsSecuritiesTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DisclosureInvestmentsSecuritiesTables" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivable" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivable" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivableAccretableYieldAndNonaccretableDiscountActivityDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivableAccretableYieldAndNonaccretableDiscountActivityDetails" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivableAccretableYieldAndNonaccretableDiscountActivityOfAcquiredEurobankLoansDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivableAccretableYieldAndNonaccretableDiscountActivityOfAcquiredEurobankLoansDetails" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivableAgingOfRecordedInvestmentInGrossLoansDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivableAgingOfRecordedInvestmentInGrossLoansDetails" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivableBBVAPRAcquiredLoan31030CarryingAmountsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivableBBVAPRAcquiredLoan31030CarryingAmountsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivableCompositionOfLoanPortfolioDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivableCompositionOfLoanPortfolioDetails" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivableCreditQualityIndicatorOfLoansDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivableCreditQualityIndicatorOfLoansDetails" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivableEurobankAcquiredLoanCarryingAmountsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivableEurobankAcquiredLoanCarryingAmountsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivableInterestIncomeRecognizedInLoansIndividuallyEvaluatedForImpairmentDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivableInterestIncomeRecognizedInLoansIndividuallyEvaluatedForImpairmentDetails" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivableInvestmentInLoansOnNonaccrualStatusDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivableInvestmentInLoansOnNonaccrualStatusDetails" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivableNarrativesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivableNarrativesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivableRecordedInvestmentInLoansIndividuallyEvaluatedForImpairmentDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivableRecordedInvestmentInLoansIndividuallyEvaluatedForImpairmentDetails" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivableRiskCategoryOfGrossLoansNotSubjectToRiskRatingDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivableRiskCategoryOfGrossLoansNotSubjectToRiskRatingDetails" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivableTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivableTables" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivableTDRPrePostModificationsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivableTDRPrePostModificationsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/LoansReceivableTroubledDebtRestructuringsRollingTwelveMonthsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_LoansReceivableTroubledDebtRestructuringsRollingTwelveMonthsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/OffsettingArrangementLiabilitiesOffsettingDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_OffsettingArrangementLiabilitiesOffsettingDetails" />
    <roleRef roleURI="http://orientalfg.com/role/OffsettingArrangementsAssetsOffsettingDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_OffsettingArrangementsAssetsOffsettingDetails" />
    <roleRef roleURI="http://orientalfg.com/role/OffsettingsOfAssetsLiabilities" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_OffsettingsOfAssetsLiabilities" />
    <roleRef roleURI="http://orientalfg.com/role/OffsettingsOfAssetsLiabilitiesTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_OffsettingsOfAssetsLiabilitiesTables" />
    <roleRef roleURI="http://orientalfg.com/role/OFGBANCORPHoldingCompanyFinancialInformationTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_OFGBANCORPHoldingCompanyFinancialInformationTables" />
    <roleRef roleURI="http://orientalfg.com/role/OrganizationConsolidationAndBasisOfPresentation" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_OrganizationConsolidationAndBasisOfPresentation" />
    <roleRef roleURI="http://orientalfg.com/role/PledgeAssets" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_PledgeAssets" />
    <roleRef roleURI="http://orientalfg.com/role/PledgeAssetsTable" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_DisclosurePledgeAssetsTable" />
    <roleRef roleURI="http://orientalfg.com/role/PremisesAndEquipment" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_PremisesAndEquipment" />
    <roleRef roleURI="http://orientalfg.com/role/PremisesAndEquipmentDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_PremisesAndEquipmentDetails" />
    <roleRef roleURI="http://orientalfg.com/role/PremisesAndEquipmentNarrativeDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_PremisesAndEquipmentNarrativeDetails" />
    <roleRef roleURI="http://orientalfg.com/role/PremisesAndEquipmentTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_PremisesAndEquipmentTables" />
    <roleRef roleURI="http://orientalfg.com/role/RegulatoryCapitalRequirements" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_RegulatoryCapitalRequirements" />
    <roleRef roleURI="http://orientalfg.com/role/RegulatoryCapitalRequirementsGroupsAndTheBanksActualCapitalAmountsAndRatiosDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_RegulatoryCapitalRequirementsGroupsAndTheBanksActualCapitalAmountsAndRatiosDetails" />
    <roleRef roleURI="http://orientalfg.com/role/RegulatoryCapitalRequirementsTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_RegulatoryCapitalRequirementsTables" />
    <roleRef roleURI="http://orientalfg.com/role/RelatedPartyTransactions" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_RelatedPartyTransactions" />
    <roleRef roleURI="http://orientalfg.com/role/RelatedPartyTransactionsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_RelatedPartyTransactionsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/RelatedPartyTransactionsTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_RelatedPartyTransactionsTables" />
    <roleRef roleURI="http://orientalfg.com/role/RestictedCash" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_RestictedCash" />
    <roleRef roleURI="http://orientalfg.com/role/RestrictedCashCompositionDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_RestrictedCashCompositionDetails" />
    <roleRef roleURI="http://orientalfg.com/role/RestrictedCashNarrativeDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_RestrictedCashNarrativeDetails" />
    <roleRef roleURI="http://orientalfg.com/role/ServicingAssets" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_ServicingAssets" />
    <roleRef roleURI="http://orientalfg.com/role/ServicingAssetsChangesInServingRightsAtFairValueDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_ServicingAssetsChangesInServingRightsAtFairValueDetails" />
    <roleRef roleURI="http://orientalfg.com/role/ServicingAssetsKeyEconomicAssumptionsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_ServicingAssetsKeyEconomicAssumptionsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/ServicingAssetsNarrativesDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_ServicingAssetsNarrativesDetails" />
    <roleRef roleURI="http://orientalfg.com/role/ServicingAssetsSensitivityOfCurrentFairValueOfServicingAssetsDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_ServicingAssetsSensitivityOfCurrentFairValueOfServicingAssetsDetails" />
    <roleRef roleURI="http://orientalfg.com/role/ServicingAssetsTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_ServicingAssetsTables" />
    <roleRef roleURI="http://orientalfg.com/role/SignificantEvent" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_SignificantEvent" />
    <roleRef roleURI="http://orientalfg.com/role/SignificantEventNarrativeDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_SignificantEventNarrativeDetails" />
    <roleRef roleURI="http://orientalfg.com/role/StockholdersEquity" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_StockholdersEquity" />
    <roleRef roleURI="http://orientalfg.com/role/StockholdersEquityCommonSharesHeldInTreasuryActivityDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_StockholdersEquityCommonSharesHeldInTreasuryActivityDetails" />
    <roleRef roleURI="http://orientalfg.com/role/StockholdersEquityNarrativeDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_StockholdersEquityNarrativeDetails" />
    <roleRef roleURI="http://orientalfg.com/role/StockholdersEquitySharesRepurchasedUnderTheStockRepurchaseProgramDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_StockholdersEquitySharesRepurchasedUnderTheStockRepurchaseProgramDetails" />
    <roleRef roleURI="http://orientalfg.com/role/StockholdersEquityTables" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_StockholdersEquityTables" />
    <roleRef roleURI="http://orientalfg.com/role/SubsequentEvent" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_SubsequentEvent" />
    <roleRef roleURI="http://orientalfg.com/role/SubsequentEventsNarrativeDetails" xlink:type="simple" xlink:href="ofg-20180930.xsd#ELRID_SubsequentEventsNarrativeDetails" />
    <roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
    <roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" />
    <roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" />
    <roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" />
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/CommitmentsAndContingencies">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsDisclosureTextBlock" xlink:label="Locator_us-gaap_CommitmentsDisclosureTextBlock_2" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_1" xlink:to="Locator_us-gaap_CommitmentsDisclosureTextBlock_2" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_3" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LegalMattersAndContingenciesTextBlock" xlink:label="Locator_us-gaap_LegalMattersAndContingenciesTextBlock_4" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_3" xlink:to="Locator_us-gaap_LegalMattersAndContingenciesTextBlock_4" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/RelatedPartyTransactions">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RelatedPartyTransactionsAbstract" xlink:label="Locator_us-gaap_RelatedPartyTransactionsAbstract_5" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:label="Locator_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_6" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RelatedPartyTransactionsAbstract_5" xlink:to="Locator_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_6" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/OrganizationConsolidationAndBasisOfPresentation">
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NatureOfOperationsAndSummaryOfSignificanrtAccountingPoliciesAbstract" xlink:label="Locator_ofg_NatureOfOperationsAndSummaryOfSignificanrtAccountingPoliciesAbstract_7" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NatureOfOperations" xlink:label="Locator_us-gaap_NatureOfOperations_8" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NatureOfOperationsAndSummaryOfSignificanrtAccountingPoliciesAbstract_7" xlink:to="Locator_us-gaap_NatureOfOperations_8" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NatureOfOperationsAndSummaryOfSignificanrtAccountingPoliciesAbstract" xlink:label="Locator_ofg_NatureOfOperationsAndSummaryOfSignificanrtAccountingPoliciesAbstract_9" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SignificantAccountingPoliciesTextBlock" xlink:label="Locator_us-gaap_SignificantAccountingPoliciesTextBlock_10" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NatureOfOperationsAndSummaryOfSignificanrtAccountingPoliciesAbstract_9" xlink:to="Locator_us-gaap_SignificantAccountingPoliciesTextBlock_10" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/IncomeTaxes">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_11" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureTextBlock" xlink:label="Locator_us-gaap_IncomeTaxDisclosureTextBlock_12" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_11" xlink:to="Locator_us-gaap_IncomeTaxDisclosureTextBlock_12" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/ConsolidatedStatementsOfChangesInStockholdersEquity">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_15" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:label="Locator_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_16" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_15" xlink:to="Locator_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_16" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_17" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_18" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_17" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_18" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_19" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ExercisedStockOptions" xlink:label="Locator_ofg_ExercisedStockOptions_20" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_19" xlink:to="Locator_ofg_ExercisedStockOptions_20" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_21" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ReclassificationToTreasuryStock" xlink:label="Locator_ofg_ReclassificationToTreasuryStock_22" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_21" xlink:to="Locator_ofg_ReclassificationToTreasuryStock_22" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_23" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:label="Locator_us-gaap_StockIssuedDuringPeriodValueNewIssues_24" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_23" xlink:to="Locator_us-gaap_StockIssuedDuringPeriodValueNewIssues_24" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_25" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ExercisedRestrictedStockUnitsWithTreasuryShares" xlink:label="Locator_ofg_ExercisedRestrictedStockUnitsWithTreasuryShares_26" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_25" xlink:to="Locator_ofg_ExercisedRestrictedStockUnitsWithTreasuryShares_26" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_27" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts" xlink:label="Locator_us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts_28" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_27" xlink:to="Locator_us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts_28" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_29" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TransferToLegalSurplus" xlink:label="Locator_ofg_TransferToLegalSurplus_30" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_29" xlink:to="Locator_ofg_TransferToLegalSurplus_30" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_31" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_32" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_31" xlink:to="Locator_us-gaap_NetIncomeLoss_32" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_33" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DividendsCommonStockCash" xlink:label="Locator_us-gaap_DividendsCommonStockCash_34" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_33" xlink:to="Locator_us-gaap_DividendsCommonStockCash_34" order="11.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_35" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DividendsPreferredStockCash" xlink:label="Locator_us-gaap_DividendsPreferredStockCash_36" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_35" xlink:to="Locator_us-gaap_DividendsPreferredStockCash_36" order="12.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_37" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:label="Locator_us-gaap_TreasuryStockValueAcquiredCostMethod_38" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_37" xlink:to="Locator_us-gaap_TreasuryStockValueAcquiredCostMethod_38" order="13.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_39" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ReclassificationFromCommonStock" xlink:label="Locator_ofg_ReclassificationFromCommonStock_40" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_39" xlink:to="Locator_ofg_ReclassificationFromCommonStock_40" order="14.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_41" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_StockUsedToMatchDefinedContributionPlan" xlink:label="Locator_ofg_StockUsedToMatchDefinedContributionPlan_42" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_41" xlink:to="Locator_ofg_StockUsedToMatchDefinedContributionPlan_42" order="15.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_43" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_44" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_43" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_44" order="16.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_13" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="Locator_us-gaap_StockholdersEquity_14" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_13" xlink:to="Locator_us-gaap_StockholdersEquity_14" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_45" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="Locator_us-gaap_StockholdersEquity_46" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_45" xlink:to="Locator_us-gaap_StockholdersEquity_46" order="17.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementTable" xlink:label="Locator_us-gaap_StatementTable_111" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="Locator_us-gaap_StatementEquityComponentsAxis_112" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementTable_111" xlink:to="Locator_us-gaap_StatementEquityComponentsAxis_112" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="Locator_us-gaap_StatementEquityComponentsAxis_113" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_114" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementEquityComponentsAxis_113" xlink:to="Locator_us-gaap_EquityComponentDomain_114" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_115" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConsolidatedMember" xlink:label="Locator_ofg_ConsolidatedMember_116" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityComponentDomain_115" xlink:to="Locator_ofg_ConsolidatedMember_116" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConsolidatedMember" xlink:label="Locator_ofg_ConsolidatedMember_121" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockMember" xlink:label="Locator_us-gaap_PreferredStockMember_122" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ConsolidatedMember_121" xlink:to="Locator_us-gaap_PreferredStockMember_122" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConsolidatedMember" xlink:label="Locator_ofg_ConsolidatedMember_123" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommonStockMember" xlink:label="Locator_us-gaap_CommonStockMember_124" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ConsolidatedMember_123" xlink:to="Locator_us-gaap_CommonStockMember_124" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConsolidatedMember" xlink:label="Locator_ofg_ConsolidatedMember_125" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember" xlink:label="Locator_us-gaap_AdditionalPaidInCapitalMember_126" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ConsolidatedMember_125" xlink:to="Locator_us-gaap_AdditionalPaidInCapitalMember_126" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember" xlink:label="Locator_us-gaap_AdditionalPaidInCapitalMember_117" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PreferredStockIssuanceCostMember" xlink:label="Locator_ofg_PreferredStockIssuanceCostMember_118" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdditionalPaidInCapitalMember_117" xlink:to="Locator_ofg_PreferredStockIssuanceCostMember_118" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember" xlink:label="Locator_us-gaap_AdditionalPaidInCapitalMember_119" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommonStockIssuanceCostMember" xlink:label="Locator_ofg_CommonStockIssuanceCostMember_120" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdditionalPaidInCapitalMember_119" xlink:to="Locator_ofg_CommonStockIssuanceCostMember_120" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConsolidatedMember" xlink:label="Locator_ofg_ConsolidatedMember_127" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LegalSurplusMember" xlink:label="Locator_ofg_LegalSurplusMember_128" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ConsolidatedMember_127" xlink:to="Locator_ofg_LegalSurplusMember_128" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConsolidatedMember" xlink:label="Locator_ofg_ConsolidatedMember_129" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RetainedEarningsMember" xlink:label="Locator_us-gaap_RetainedEarningsMember_130" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ConsolidatedMember_129" xlink:to="Locator_us-gaap_RetainedEarningsMember_130" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConsolidatedMember" xlink:label="Locator_ofg_ConsolidatedMember_131" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockMember" xlink:label="Locator_us-gaap_TreasuryStockMember_132" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ConsolidatedMember_131" xlink:to="Locator_us-gaap_TreasuryStockMember_132" order="6.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConsolidatedMember" xlink:label="Locator_ofg_ConsolidatedMember_133" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_134" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ConsolidatedMember_133" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_134" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementTable" xlink:label="Locator_us-gaap_StatementTable_109" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_110" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementTable_109" xlink:to="Locator_us-gaap_StatementLineItems_110" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfStockholdersEquityAbstract" xlink:label="Locator_us-gaap_StatementOfStockholdersEquityAbstract_49" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementTable" xlink:label="Locator_us-gaap_StatementTable_50" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfStockholdersEquityAbstract_49" xlink:to="Locator_us-gaap_StatementTable_50" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DocumentDocumentAndEntityInformation">
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DocumentAndEntityInformationAbstract" xlink:label="Locator_ofg_DocumentAndEntityInformationAbstract_135" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityRegistrantName" xlink:label="Locator_dei_EntityRegistrantName_136" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DocumentAndEntityInformationAbstract_135" xlink:to="Locator_dei_EntityRegistrantName_136" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DocumentAndEntityInformationAbstract" xlink:label="Locator_ofg_DocumentAndEntityInformationAbstract_137" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="Locator_dei_EntityCentralIndexKey_138" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DocumentAndEntityInformationAbstract_137" xlink:to="Locator_dei_EntityCentralIndexKey_138" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DocumentAndEntityInformationAbstract" xlink:label="Locator_ofg_DocumentAndEntityInformationAbstract_139" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentType" xlink:label="Locator_dei_DocumentType_140" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DocumentAndEntityInformationAbstract_139" xlink:to="Locator_dei_DocumentType_140" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DocumentAndEntityInformationAbstract" xlink:label="Locator_ofg_DocumentAndEntityInformationAbstract_141" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="Locator_dei_DocumentPeriodEndDate_142" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DocumentAndEntityInformationAbstract_141" xlink:to="Locator_dei_DocumentPeriodEndDate_142" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DocumentAndEntityInformationAbstract" xlink:label="Locator_ofg_DocumentAndEntityInformationAbstract_143" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_AmendmentFlag" xlink:label="Locator_dei_AmendmentFlag_144" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DocumentAndEntityInformationAbstract_143" xlink:to="Locator_dei_AmendmentFlag_144" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DocumentAndEntityInformationAbstract" xlink:label="Locator_ofg_DocumentAndEntityInformationAbstract_145" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="Locator_dei_DocumentFiscalYearFocus_146" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DocumentAndEntityInformationAbstract_145" xlink:to="Locator_dei_DocumentFiscalYearFocus_146" order="6.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DocumentAndEntityInformationAbstract" xlink:label="Locator_ofg_DocumentAndEntityInformationAbstract_147" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="Locator_dei_DocumentFiscalPeriodFocus_148" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DocumentAndEntityInformationAbstract_147" xlink:to="Locator_dei_DocumentFiscalPeriodFocus_148" order="7.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DocumentAndEntityInformationAbstract" xlink:label="Locator_ofg_DocumentAndEntityInformationAbstract_149" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="Locator_dei_CurrentFiscalYearEndDate_150" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DocumentAndEntityInformationAbstract_149" xlink:to="Locator_dei_CurrentFiscalYearEndDate_150" order="8.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DocumentAndEntityInformationAbstract" xlink:label="Locator_ofg_DocumentAndEntityInformationAbstract_151" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityFilerCategory" xlink:label="Locator_dei_EntityFilerCategory_152" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DocumentAndEntityInformationAbstract_151" xlink:to="Locator_dei_EntityFilerCategory_152" order="9.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DocumentAndEntityInformationAbstract" xlink:label="Locator_ofg_DocumentAndEntityInformationAbstract_153" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="Locator_dei_EntityCommonStockSharesOutstanding_154" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DocumentAndEntityInformationAbstract_153" xlink:to="Locator_dei_EntityCommonStockSharesOutstanding_154" order="10.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DocumentAndEntityInformationAbstract" xlink:label="Locator_ofg_DocumentAndEntityInformationAbstract_155" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="Locator_dei_EntityWellKnownSeasonedIssuer_156" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DocumentAndEntityInformationAbstract_155" xlink:to="Locator_dei_EntityWellKnownSeasonedIssuer_156" order="11.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DocumentAndEntityInformationAbstract" xlink:label="Locator_ofg_DocumentAndEntityInformationAbstract_157" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityVoluntaryFilers" xlink:label="Locator_dei_EntityVoluntaryFilers_158" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DocumentAndEntityInformationAbstract_157" xlink:to="Locator_dei_EntityVoluntaryFilers_158" order="12.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DocumentAndEntityInformationAbstract" xlink:label="Locator_ofg_DocumentAndEntityInformationAbstract_159" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:label="Locator_dei_EntityCurrentReportingStatus_160" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DocumentAndEntityInformationAbstract_159" xlink:to="Locator_dei_EntityCurrentReportingStatus_160" order="13.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DocumentAndEntityInformationAbstract" xlink:label="Locator_ofg_DocumentAndEntityInformationAbstract_161" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityPublicFloat" xlink:label="Locator_dei_EntityPublicFloat_162" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DocumentAndEntityInformationAbstract_161" xlink:to="Locator_dei_EntityPublicFloat_162" order="14.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/ConsolidatedStatementsOfFinancialCondition">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_163" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_164" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_163" xlink:to="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_164" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_177" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:label="Locator_us-gaap_CashAndDueFromBanks_178" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_177" xlink:to="Locator_us-gaap_CashAndDueFromBanks_178" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_179" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MoneyMarketFundsAtCarryingValue" xlink:label="Locator_us-gaap_MoneyMarketFundsAtCarryingValue_180" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_179" xlink:to="Locator_us-gaap_MoneyMarketFundsAtCarryingValue_180" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_181" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValue_182" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_181" xlink:to="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValue_182" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_169" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_170" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_169" xlink:to="Locator_us-gaap_InvestmentsAbstract_170" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_183" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TradingSecurities" xlink:label="Locator_us-gaap_TradingSecurities_184" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsAbstract_183" xlink:to="Locator_us-gaap_TradingSecurities_184" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_185" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecurities_186" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsAbstract_185" xlink:to="Locator_us-gaap_AvailableForSaleSecurities_186" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_187" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:label="Locator_us-gaap_HeldToMaturitySecurities_188" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsAbstract_187" xlink:to="Locator_us-gaap_HeldToMaturitySecurities_188" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_189" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalHomeLoanBankStock" xlink:label="Locator_us-gaap_FederalHomeLoanBankStock_190" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsAbstract_189" xlink:to="Locator_us-gaap_FederalHomeLoanBankStock_190" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_191" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherInvestments" xlink:label="Locator_us-gaap_OtherInvestments_192" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsAbstract_191" xlink:to="Locator_us-gaap_OtherInvestments_192" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_193" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Investments" xlink:label="Locator_us-gaap_Investments_194" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsAbstract_193" xlink:to="Locator_us-gaap_Investments_194" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_171" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_172" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_171" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_172" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_195" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansReceivableHeldForSaleAmount" xlink:label="Locator_us-gaap_LoansReceivableHeldForSaleAmount_196" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_195" xlink:to="Locator_us-gaap_LoansReceivableHeldForSaleAmount_196" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_197" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroupOther" xlink:label="Locator_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroupOther_198" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_197" xlink:to="Locator_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroupOther_198" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_199" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_200" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_199" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_200" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_201" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCovered" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCovered_202" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_201" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCovered_202" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_173" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_174" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_173" xlink:to="Locator_us-gaap_OtherAssetsAbstract_174" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_203" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RealEstateAcquiredThroughForeclosureCoveredbyLossShareAgreements" xlink:label="Locator_ofg_RealEstateAcquiredThroughForeclosureCoveredbyLossShareAgreements_204" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_203" xlink:to="Locator_ofg_RealEstateAcquiredThroughForeclosureCoveredbyLossShareAgreements_204" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_205" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RealEstateAcquiredThroughForeclosure" xlink:label="Locator_us-gaap_RealEstateAcquiredThroughForeclosure_206" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_205" xlink:to="Locator_us-gaap_RealEstateAcquiredThroughForeclosure_206" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_207" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestReceivableNoncurrent" xlink:label="Locator_us-gaap_InterestReceivableNoncurrent_208" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_207" xlink:to="Locator_us-gaap_InterestReceivableNoncurrent_208" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_209" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxAssetsNet" xlink:label="Locator_us-gaap_DeferredTaxAssetsNet_210" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_209" xlink:to="Locator_us-gaap_DeferredTaxAssetsNet_210" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_211" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentNet_212" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_211" xlink:to="Locator_us-gaap_PropertyPlantAndEquipmentNet_212" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_213" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CustomersLiabilityForAcceptancesNet" xlink:label="Locator_us-gaap_CustomersLiabilityForAcceptancesNet_214" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_213" xlink:to="Locator_us-gaap_CustomersLiabilityForAcceptancesNet_214" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_215" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmount" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueAmount_216" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_215" xlink:to="Locator_us-gaap_ServicingAssetAtFairValueAmount_216" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_217" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAssets" xlink:label="Locator_us-gaap_DerivativeAssets_218" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_217" xlink:to="Locator_us-gaap_DerivativeAssets_218" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_219" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Goodwill" xlink:label="Locator_us-gaap_Goodwill_220" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_219" xlink:to="Locator_us-gaap_Goodwill_220" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_221" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssets" xlink:label="Locator_us-gaap_OtherAssets_222" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_221" xlink:to="Locator_us-gaap_OtherAssets_222" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_175" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Assets" xlink:label="Locator_us-gaap_Assets_176" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_175" xlink:to="Locator_us-gaap_Assets_176" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_165" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="Locator_us-gaap_RestrictedCashAndCashEquivalents_166" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_165" xlink:to="Locator_us-gaap_RestrictedCashAndCashEquivalents_166" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_167" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell" xlink:label="Locator_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_168" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_167" xlink:to="Locator_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_168" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="Locator_us-gaap_StatementOfFinancialPositionAbstract_223" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_224" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfFinancialPositionAbstract_223" xlink:to="Locator_us-gaap_AssetsAbstract_224" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="Locator_us-gaap_StatementOfFinancialPositionAbstract_225" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_226" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfFinancialPositionAbstract_225" xlink:to="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_226" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_227" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_228" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_227" xlink:to="Locator_us-gaap_DepositsAbstract_228" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_243" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DemandDepositAccounts" xlink:label="Locator_us-gaap_DemandDepositAccounts_244" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_243" xlink:to="Locator_us-gaap_DemandDepositAccounts_244" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_245" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsSavingsDeposits" xlink:label="Locator_us-gaap_DepositsSavingsDeposits_246" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_245" xlink:to="Locator_us-gaap_DepositsSavingsDeposits_246" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_247" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TimeDeposits" xlink:label="Locator_us-gaap_TimeDeposits_248" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_247" xlink:to="Locator_us-gaap_TimeDeposits_248" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_249" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_250" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_249" xlink:to="Locator_us-gaap_Deposits_250" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_229" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligationsAbstract" xlink:label="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_230" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_229" xlink:to="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_230" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligationsAbstract" xlink:label="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_251" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase" xlink:label="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_252" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_251" xlink:to="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_252" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligationsAbstract" xlink:label="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_253" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShorttermDebtFairValue" xlink:label="Locator_us-gaap_ShorttermDebtFairValue_254" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_253" xlink:to="Locator_us-gaap_ShorttermDebtFairValue_254" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligationsAbstract" xlink:label="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_255" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:label="Locator_us-gaap_AdvancesFromFederalHomeLoanBanks_256" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_255" xlink:to="Locator_us-gaap_AdvancesFromFederalHomeLoanBanks_256" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligationsAbstract" xlink:label="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_257" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubordinatedDebt" xlink:label="Locator_us-gaap_SubordinatedDebt_258" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_257" xlink:to="Locator_us-gaap_SubordinatedDebt_258" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligationsAbstract" xlink:label="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_259" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalFundsPurchased" xlink:label="Locator_us-gaap_FederalFundsPurchased_260" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_259" xlink:to="Locator_us-gaap_FederalFundsPurchased_260" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligationsAbstract" xlink:label="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_261" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherBorrowings" xlink:label="Locator_us-gaap_OtherBorrowings_262" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_261" xlink:to="Locator_us-gaap_OtherBorrowings_262" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligationsAbstract" xlink:label="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_263" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligations" xlink:label="Locator_us-gaap_DebtAndCapitalLeaseObligations_264" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtAndCapitalLeaseObligationsAbstract_263" xlink:to="Locator_us-gaap_DebtAndCapitalLeaseObligations_264" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_231" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:label="Locator_us-gaap_DerivativeLiabilities_232" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_231" xlink:to="Locator_us-gaap_DerivativeLiabilities_232" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_233" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankAcceptancesExecutedAndOutstanding" xlink:label="Locator_us-gaap_BankAcceptancesExecutedAndOutstanding_234" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_233" xlink:to="Locator_us-gaap_BankAcceptancesExecutedAndOutstanding_234" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_235" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccruedLiabilitiesCurrentAndNoncurrent" xlink:label="Locator_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_236" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_235" xlink:to="Locator_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_236" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_237" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Liabilities" xlink:label="Locator_us-gaap_Liabilities_238" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_237" xlink:to="Locator_us-gaap_Liabilities_238" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_239" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_240" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_239" xlink:to="Locator_us-gaap_StockholdersEquityAbstract_240" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_265" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockValueOutstanding" xlink:label="Locator_us-gaap_PreferredStockValueOutstanding_266" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_265" xlink:to="Locator_us-gaap_PreferredStockValueOutstanding_266" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_267" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConvertiblePreferredStock" xlink:label="Locator_ofg_ConvertiblePreferredStock_268" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_267" xlink:to="Locator_ofg_ConvertiblePreferredStock_268" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_269" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommonStockValue" xlink:label="Locator_us-gaap_CommonStockValue_270" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_269" xlink:to="Locator_us-gaap_CommonStockValue_270" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_271" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="Locator_us-gaap_AdditionalPaidInCapital_272" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_271" xlink:to="Locator_us-gaap_AdditionalPaidInCapital_272" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_273" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance" xlink:label="Locator_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance_274" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_273" xlink:to="Locator_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance_274" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_275" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="Locator_us-gaap_RetainedEarningsAccumulatedDeficit_276" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_275" xlink:to="Locator_us-gaap_RetainedEarningsAccumulatedDeficit_276" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_277" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="Locator_us-gaap_TreasuryStockValue_278" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_277" xlink:to="Locator_us-gaap_TreasuryStockValue_278" order="7.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_279" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_280" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_279" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_280" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_281" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="Locator_us-gaap_StockholdersEquity_282" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_281" xlink:to="Locator_us-gaap_StockholdersEquity_282" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_241" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquity_242" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_241" xlink:to="Locator_us-gaap_LiabilitiesAndStockholdersEquity_242" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/ConsolidatedStatementsOfFinancialConditionParenthetical">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_375" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AmortizedCostOfTradingSecurities" xlink:label="Locator_ofg_AmortizedCostOfTradingSecurities_376" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_375" xlink:to="Locator_ofg_AmortizedCostOfTradingSecurities_376" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_377" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesAmortizedCost_378" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_377" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesAmortizedCost_378" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_379" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesFairValue_380" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_379" xlink:to="Locator_us-gaap_HeldToMaturitySecuritiesFairValue_380" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_381" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableAllowance_382" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_381" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableAllowance_382" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_383" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:label="Locator_us-gaap_PreferredStockSharesAuthorized_384" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_383" xlink:to="Locator_us-gaap_PreferredStockSharesAuthorized_384" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_387" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockSharesOutstanding" xlink:label="Locator_us-gaap_PreferredStockSharesOutstanding_388" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_387" xlink:to="Locator_us-gaap_PreferredStockSharesOutstanding_388" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_389" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockLiquidationPreferenceValue" xlink:label="Locator_us-gaap_PreferredStockLiquidationPreferenceValue_390" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_389" xlink:to="Locator_us-gaap_PreferredStockLiquidationPreferenceValue_390" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_391" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="Locator_us-gaap_CommonStockParOrStatedValuePerShare_392" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_391" xlink:to="Locator_us-gaap_CommonStockParOrStatedValuePerShare_392" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_393" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="Locator_us-gaap_CommonStockSharesAuthorized_394" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_393" xlink:to="Locator_us-gaap_CommonStockSharesAuthorized_394" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_395" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="Locator_us-gaap_CommonStockSharesIssued_396" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_395" xlink:to="Locator_us-gaap_CommonStockSharesIssued_396" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_397" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="Locator_us-gaap_CommonStockSharesOutstanding_398" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_397" xlink:to="Locator_us-gaap_CommonStockSharesOutstanding_398" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_399" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockShares" xlink:label="Locator_us-gaap_TreasuryStockShares_400" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_399" xlink:to="Locator_us-gaap_TreasuryStockShares_400" order="13.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_401" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossTax_402" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_401" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossTax_402" order="14.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_385" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:label="Locator_us-gaap_PreferredStockSharesIssued_386" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_385" xlink:to="Locator_us-gaap_PreferredStockSharesIssued_386" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementTable" xlink:label="Locator_us-gaap_StatementTable_449" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_450" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementTable_449" xlink:to="Locator_us-gaap_StatementLineItems_450" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementTable" xlink:label="Locator_us-gaap_StatementTable_451" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="Locator_us-gaap_StatementClassOfStockAxis_452" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementTable_451" xlink:to="Locator_us-gaap_StatementClassOfStockAxis_452" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="Locator_us-gaap_StatementClassOfStockAxis_461" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="Locator_us-gaap_ClassOfStockDomain_462" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementClassOfStockAxis_461" xlink:to="Locator_us-gaap_ClassOfStockDomain_462" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="Locator_us-gaap_ClassOfStockDomain_453" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SeriesAPreferredStockMember" xlink:label="Locator_us-gaap_SeriesAPreferredStockMember_454" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ClassOfStockDomain_453" xlink:to="Locator_us-gaap_SeriesAPreferredStockMember_454" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="Locator_us-gaap_ClassOfStockDomain_455" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SeriesBPreferredStockMember" xlink:label="Locator_us-gaap_SeriesBPreferredStockMember_456" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ClassOfStockDomain_455" xlink:to="Locator_us-gaap_SeriesBPreferredStockMember_456" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="Locator_us-gaap_ClassOfStockDomain_459" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SeriesDPreferredStockMember" xlink:label="Locator_us-gaap_SeriesDPreferredStockMember_460" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ClassOfStockDomain_459" xlink:to="Locator_us-gaap_SeriesDPreferredStockMember_460" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="Locator_us-gaap_ClassOfStockDomain_457" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NonredeemableConvertiblePreferredStockMember" xlink:label="Locator_us-gaap_NonredeemableConvertiblePreferredStockMember_458" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ClassOfStockDomain_457" xlink:to="Locator_us-gaap_NonredeemableConvertiblePreferredStockMember_458" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="Locator_us-gaap_StatementOfFinancialPositionAbstract_405" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementTable" xlink:label="Locator_us-gaap_StatementTable_406" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfFinancialPositionAbstract_405" xlink:to="Locator_us-gaap_StatementTable_406" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/ConsolidatedStatementsOfOperations">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_463" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_464" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_463" xlink:to="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_464" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_491" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InterestIncomeFromLoans" xlink:label="Locator_ofg_InterestIncomeFromLoans_492" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_491" xlink:to="Locator_ofg_InterestIncomeFromLoans_492" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_493" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:label="Locator_us-gaap_InterestAndFeeIncomeLoansAndLeases_494" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_493" xlink:to="Locator_us-gaap_InterestAndFeeIncomeLoansAndLeases_494" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_495" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestIncomeSecuritiesMortgageBacked" xlink:label="Locator_us-gaap_InterestIncomeSecuritiesMortgageBacked_496" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_495" xlink:to="Locator_us-gaap_InterestIncomeSecuritiesMortgageBacked_496" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_497" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestAndDividendIncomeSecurities" xlink:label="Locator_us-gaap_InterestAndDividendIncomeSecurities_498" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_497" xlink:to="Locator_us-gaap_InterestAndDividendIncomeSecurities_498" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_499" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperating_500" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_499" xlink:to="Locator_us-gaap_InterestAndDividendIncomeOperating_500" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_465" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="Locator_us-gaap_InterestExpenseAbstract_466" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_465" xlink:to="Locator_us-gaap_InterestExpenseAbstract_466" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="Locator_us-gaap_InterestExpenseAbstract_501" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:label="Locator_us-gaap_InterestExpenseDeposits_502" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestExpenseAbstract_501" xlink:to="Locator_us-gaap_InterestExpenseDeposits_502" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="Locator_us-gaap_InterestExpenseAbstract_503" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase" xlink:label="Locator_us-gaap_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase_504" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestExpenseAbstract_503" xlink:to="Locator_us-gaap_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase_504" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="Locator_us-gaap_InterestExpenseAbstract_505" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" xlink:label="Locator_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_506" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestExpenseAbstract_505" xlink:to="Locator_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_506" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="Locator_us-gaap_InterestExpenseAbstract_507" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseOtherLongTermDebt" xlink:label="Locator_us-gaap_InterestExpenseOtherLongTermDebt_508" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestExpenseAbstract_507" xlink:to="Locator_us-gaap_InterestExpenseOtherLongTermDebt_508" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="Locator_us-gaap_InterestExpenseAbstract_509" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseSubordinatedNotesAndDebentures" xlink:label="Locator_us-gaap_InterestExpenseSubordinatedNotesAndDebentures_510" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestExpenseAbstract_509" xlink:to="Locator_us-gaap_InterestExpenseSubordinatedNotesAndDebentures_510" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_467" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpense" xlink:label="Locator_us-gaap_InterestExpense_468" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_467" xlink:to="Locator_us-gaap_InterestExpense_468" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_469" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="Locator_us-gaap_InterestIncomeExpenseNet_470" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_469" xlink:to="Locator_us-gaap_InterestIncomeExpenseNet_470" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_471" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_472" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_471" xlink:to="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_472" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_473" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:label="Locator_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_474" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_473" xlink:to="Locator_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_474" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_475" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_476" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_475" xlink:to="Locator_us-gaap_NoninterestIncomeAbstract_476" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_511" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TotalBankingServiceRevenues" xlink:label="Locator_ofg_TotalBankingServiceRevenues_512" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_511" xlink:to="Locator_ofg_TotalBankingServiceRevenues_512" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_513" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_WealthManagementRevenue" xlink:label="Locator_ofg_WealthManagementRevenue_514" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_513" xlink:to="Locator_ofg_WealthManagementRevenue_514" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_515" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FeesAndCommissionsMortgageBankingAndServicing" xlink:label="Locator_us-gaap_FeesAndCommissionsMortgageBankingAndServicing_516" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_515" xlink:to="Locator_us-gaap_FeesAndCommissionsMortgageBankingAndServicing_516" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_517" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TotalBankingAndFinancialServiceRevenues1" xlink:label="Locator_ofg_TotalBankingAndFinancialServiceRevenues1_518" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_517" xlink:to="Locator_ofg_TotalBankingAndFinancialServiceRevenues1_518" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_519" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAvailableforsaleSecurities" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAvailableforsaleSecurities_520" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_519" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAvailableforsaleSecurities_520" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_521" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxPortionAttributableToNoncontrollingInterestAvailableforsaleSecurities" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxPortionAttributableToNoncontrollingInterestAvailableforsaleSecurities_522" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_521" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxPortionAttributableToNoncontrollingInterestAvailableforsaleSecurities_522" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_523" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities_524" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_523" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities_524" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_525" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicSharedLossExpenseNetAbstract" xlink:label="Locator_ofg_FdicSharedLossExpenseNetAbstract_526" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_525" xlink:to="Locator_ofg_FdicSharedLossExpenseNetAbstract_526" order="8.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicSharedLossExpenseNetAbstract" xlink:label="Locator_ofg_FdicSharedLossExpenseNetAbstract_533" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicSharedLossExpenseNet" xlink:label="Locator_ofg_FdicSharedLossExpenseNet_534" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FdicSharedLossExpenseNetAbstract_533" xlink:to="Locator_ofg_FdicSharedLossExpenseNet_534" order="1.0" preferredLabel="http://www.xbrl.org/2009/role/negatedNetLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_527" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ReimbursementFromFdicSharedLossCoverageInSaleOfLoans" xlink:label="Locator_ofg_ReimbursementFromFdicSharedLossCoverageInSaleOfLoans_528" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_527" xlink:to="Locator_ofg_ReimbursementFromFdicSharedLossCoverageInSaleOfLoans_528" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_529" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract" xlink:label="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_530" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_529" xlink:to="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_530" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract" xlink:label="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_537" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeGainLossOnDerivativeNet" xlink:label="Locator_us-gaap_DerivativeGainLossOnDerivativeNet_538" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_537" xlink:to="Locator_us-gaap_DerivativeGainLossOnDerivativeNet_538" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract" xlink:label="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_541" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestIncomeOther" xlink:label="Locator_us-gaap_NoninterestIncomeOther_542" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_541" xlink:to="Locator_us-gaap_NoninterestIncomeOther_542" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract" xlink:label="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_535" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SaleOfSecurities" xlink:label="Locator_ofg_SaleOfSecurities_536" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_535" xlink:to="Locator_ofg_SaleOfSecurities_536" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract" xlink:label="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_539" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt" xlink:label="Locator_us-gaap_GainsLossesOnExtinguishmentOfDebt_540" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_539" xlink:to="Locator_us-gaap_GainsLossesOnExtinguishmentOfDebt_540" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_531" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="Locator_us-gaap_NoninterestIncome_532" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_531" xlink:to="Locator_us-gaap_NoninterestIncome_532" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_477" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_478" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_477" xlink:to="Locator_us-gaap_NoninterestExpenseAbstract_478" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_543" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="Locator_us-gaap_LaborAndRelatedExpense_544" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_543" xlink:to="Locator_us-gaap_LaborAndRelatedExpense_544" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_545" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProfessionalFees" xlink:label="Locator_us-gaap_ProfessionalFees_546" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_545" xlink:to="Locator_us-gaap_ProfessionalFees_546" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_547" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OccupancyNet" xlink:label="Locator_us-gaap_OccupancyNet_548" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_547" xlink:to="Locator_us-gaap_OccupancyNet_548" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_549" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GeneralInsuranceExpense" xlink:label="Locator_us-gaap_GeneralInsuranceExpense_550" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_549" xlink:to="Locator_us-gaap_GeneralInsuranceExpense_550" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_551" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ElectronicBankingCharges" xlink:label="Locator_ofg_ElectronicBankingCharges_552" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_551" xlink:to="Locator_ofg_ElectronicBankingCharges_552" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_553" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InformationTechnologyAndDataProcessing" xlink:label="Locator_us-gaap_InformationTechnologyAndDataProcessing_554" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_553" xlink:to="Locator_us-gaap_InformationTechnologyAndDataProcessing_554" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_555" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdvertisingExpense" xlink:label="Locator_us-gaap_AdvertisingExpense_556" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_555" xlink:to="Locator_us-gaap_AdvertisingExpense_556" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_557" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestructuringCharges" xlink:label="Locator_us-gaap_RestructuringCharges_558" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_557" xlink:to="Locator_us-gaap_RestructuringCharges_558" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_559" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ForeclosedRealEstateExpense" xlink:label="Locator_us-gaap_ForeclosedRealEstateExpense_560" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_559" xlink:to="Locator_us-gaap_ForeclosedRealEstateExpense_560" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_561" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoanServicingAndCleaningExpenses" xlink:label="Locator_ofg_LoanServicingAndCleaningExpenses_562" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_561" xlink:to="Locator_ofg_LoanServicingAndCleaningExpenses_562" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_563" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TaxesOther" xlink:label="Locator_us-gaap_TaxesOther_564" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_563" xlink:to="Locator_us-gaap_TaxesOther_564" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_565" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Communication" xlink:label="Locator_us-gaap_Communication_566" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_565" xlink:to="Locator_us-gaap_Communication_566" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_567" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SuppliesAndPostageExpense" xlink:label="Locator_us-gaap_SuppliesAndPostageExpense_568" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_567" xlink:to="Locator_us-gaap_SuppliesAndPostageExpense_568" order="13.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_569" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DirectorAndInvestorsRelations" xlink:label="Locator_ofg_DirectorAndInvestorsRelations_570" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_569" xlink:to="Locator_ofg_DirectorAndInvestorsRelations_570" order="14.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_571" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CreditRelatedExpenses" xlink:label="Locator_ofg_CreditRelatedExpenses_572" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_571" xlink:to="Locator_ofg_CreditRelatedExpenses_572" order="15.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_573" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="Locator_us-gaap_OtherNoninterestExpense_574" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_573" xlink:to="Locator_us-gaap_OtherNoninterestExpense_574" order="16.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_575" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="Locator_us-gaap_NoninterestExpense_576" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_575" xlink:to="Locator_us-gaap_NoninterestExpense_576" order="17.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_479" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_480" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_479" xlink:to="Locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_480" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_481" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefit_482" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_481" xlink:to="Locator_us-gaap_IncomeTaxExpenseBenefit_482" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_483" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_484" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_483" xlink:to="Locator_us-gaap_NetIncomeLoss_484" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_485" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DividendsPreferredStock" xlink:label="Locator_us-gaap_DividendsPreferredStock_486" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_485" xlink:to="Locator_us-gaap_DividendsPreferredStock_486" order="12.0" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_487" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:label="Locator_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_488" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_487" xlink:to="Locator_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_488" order="13.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_489" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_490" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_489" xlink:to="Locator_us-gaap_EarningsPerShareAbstract_490" order="14.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_583" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommonStockDividendsPerShareCashPaid" xlink:label="Locator_us-gaap_CommonStockDividendsPerShareCashPaid_584" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_583" xlink:to="Locator_us-gaap_CommonStockDividendsPerShareCashPaid_584" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_581" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted" xlink:label="Locator_us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted_582" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_581" xlink:to="Locator_us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted_582" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_577" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="Locator_us-gaap_EarningsPerShareBasic_578" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_577" xlink:to="Locator_us-gaap_EarningsPerShareBasic_578" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_579" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="Locator_us-gaap_EarningsPerShareDiluted_580" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_579" xlink:to="Locator_us-gaap_EarningsPerShareDiluted_580" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/ConsolidatedStatementsOfComprehensiveIncomeLoss">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_689" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_690" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_689" xlink:to="Locator_us-gaap_NetIncomeLoss_690" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_691" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_692" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_691" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_692" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_701" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_702" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_701" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_702" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_703" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableforsaleSecuritiesGrossRealizedGainLossExcludingOtherThanTemporaryImpairments" xlink:label="Locator_us-gaap_AvailableforsaleSecuritiesGrossRealizedGainLossExcludingOtherThanTemporaryImpairments_704" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_703" xlink:to="Locator_us-gaap_AvailableforsaleSecuritiesGrossRealizedGainLossExcludingOtherThanTemporaryImpairments_704" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_705" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsPeriodIncreaseDecrease" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsPeriodIncreaseDecrease_706" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_705" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsPeriodIncreaseDecrease_706" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_707" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxPortionAttributableToNoncontrollingInterest" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxPortionAttributableToNoncontrollingInterest_708" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_707" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxPortionAttributableToNoncontrollingInterest_708" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_709" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnrealizedGainLossOnInterestRateCashFlowHedgesPretaxAccumulatedOtherComprehensiveIncomeLoss" xlink:label="Locator_us-gaap_UnrealizedGainLossOnInterestRateCashFlowHedgesPretaxAccumulatedOtherComprehensiveIncomeLoss_710" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_709" xlink:to="Locator_us-gaap_UnrealizedGainLossOnInterestRateCashFlowHedgesPretaxAccumulatedOtherComprehensiveIncomeLoss_710" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_711" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIOnDerivativesBeforeTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIOnDerivativesBeforeTax_712" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_711" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIOnDerivativesBeforeTax_712" order="6.0" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_693" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_694" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_693" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_694" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_695" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_696" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_695" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_696" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_697" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_698" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_697" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_698" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_699" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="Locator_us-gaap_ComprehensiveIncomeNetOfTax_700" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_699" xlink:to="Locator_us-gaap_ComprehensiveIncomeNetOfTax_700" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/ConsolidatedStatementsOfCashFlows">
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract" xlink:label="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_733" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SaleOfSecurities" xlink:label="Locator_ofg_SaleOfSecurities_734" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_733" xlink:to="Locator_ofg_SaleOfSecurities_734" order="1.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract" xlink:label="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_735" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GainLossOnSaleOfMortgageLoans" xlink:label="Locator_us-gaap_GainLossOnSaleOfMortgageLoans_736" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_735" xlink:to="Locator_us-gaap_GainLossOnSaleOfMortgageLoans_736" order="2.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract" xlink:label="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_737" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainOnSaleOfDerivativesAndOnSaleOfTba" xlink:label="Locator_ofg_GainOnSaleOfDerivativesAndOnSaleOfTba_738" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_737" xlink:to="Locator_ofg_GainOnSaleOfDerivativesAndOnSaleOfTba_738" order="3.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract" xlink:label="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_739" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt" xlink:label="Locator_us-gaap_GainsLossesOnExtinguishmentOfDebt_740" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_739" xlink:to="Locator_us-gaap_GainsLossesOnExtinguishmentOfDebt_740" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract" xlink:label="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_741" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProfitLossFromRealEstateOperations" xlink:label="Locator_us-gaap_ProfitLossFromRealEstateOperations_742" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_741" xlink:to="Locator_us-gaap_ProfitLossFromRealEstateOperations_742" order="5.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract" xlink:label="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_743" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GainLossOnSaleOfOtherAssets" xlink:label="Locator_us-gaap_GainLossOnSaleOfOtherAssets_744" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_743" xlink:to="Locator_us-gaap_GainLossOnSaleOfOtherAssets_744" order="6.0" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract" xlink:label="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_745" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsForProceedsFromProductiveAssets" xlink:label="Locator_us-gaap_PaymentsForProceedsFromProductiveAssets_746" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_745" xlink:to="Locator_us-gaap_PaymentsForProceedsFromProductiveAssets_746" order="7.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_747" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_748" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_747" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_748" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_761" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_762" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_761" xlink:to="Locator_us-gaap_NetIncomeLoss_762" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_763" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_764" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_763" xlink:to="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_764" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_777" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" xlink:label="Locator_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_778" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_777" xlink:to="Locator_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_778" order="1.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_779" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AmortizationOfFairValue" xlink:label="Locator_ofg_AmortizationOfFairValue_780" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_779" xlink:to="Locator_ofg_AmortizationOfFairValue_780" order="2.0" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_781" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:label="Locator_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_782" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_781" xlink:to="Locator_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_782" order="3.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_783" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AmortizationOfIntangibleAssets" xlink:label="Locator_us-gaap_AmortizationOfIntangibleAssets_784" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_783" xlink:to="Locator_us-gaap_AmortizationOfIntangibleAssets_784" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_785" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AmortizationOfFairValuePremiumsAcquiredDeposits" xlink:label="Locator_ofg_AmortizationOfFairValuePremiumsAcquiredDeposits_786" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_785" xlink:to="Locator_ofg_AmortizationOfFairValuePremiumsAcquiredDeposits_786" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_787" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicLossShareIncomeExpense" xlink:label="Locator_ofg_FdicLossShareIncomeExpense_788" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_787" xlink:to="Locator_ofg_FdicLossShareIncomeExpense_788" order="6.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_789" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet_790" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_789" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet_790" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_791" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherOperatingActivitiesCashFlowStatement" xlink:label="Locator_us-gaap_OtherOperatingActivitiesCashFlowStatement_792" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_791" xlink:to="Locator_us-gaap_OtherOperatingActivitiesCashFlowStatement_792" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_793" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AmortizationOfPrepaidFdicAssesment" xlink:label="Locator_ofg_AmortizationOfPrepaidFdicAssesment_794" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_793" xlink:to="Locator_ofg_AmortizationOfPrepaidFdicAssesment_794" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_795" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepreciationNonproduction" xlink:label="Locator_us-gaap_DepreciationNonproduction_796" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_795" xlink:to="Locator_us-gaap_DepreciationNonproduction_796" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_797" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="Locator_us-gaap_DeferredIncomeTaxExpenseBenefit_798" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_797" xlink:to="Locator_us-gaap_DeferredIncomeTaxExpenseBenefit_798" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_799" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_800" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_799" xlink:to="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_800" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_801" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="Locator_us-gaap_ShareBasedCompensation_802" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_801" xlink:to="Locator_us-gaap_ShareBasedCompensation_802" order="13.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_803" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_804" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_803" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_804" order="14.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_765" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract" xlink:label="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_766" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_765" xlink:to="Locator_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_766" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_767" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale" xlink:label="Locator_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_768" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_767" xlink:to="Locator_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_768" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_769" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForSale" xlink:label="Locator_us-gaap_ProceedsFromSaleOfLoansHeldForSale_770" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_769" xlink:to="Locator_us-gaap_ProceedsFromSaleOfLoansHeldForSale_770" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_771" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingAssetsAbstract" xlink:label="Locator_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_772" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_771" xlink:to="Locator_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_772" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingAssetsAbstract" xlink:label="Locator_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_805" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInTradingSecurities" xlink:label="Locator_us-gaap_IncreaseDecreaseInTradingSecurities_806" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_805" xlink:to="Locator_us-gaap_IncreaseDecreaseInTradingSecurities_806" order="1.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingAssetsAbstract" xlink:label="Locator_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_807" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:label="Locator_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_808" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_807" xlink:to="Locator_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_808" order="2.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingAssetsAbstract" xlink:label="Locator_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_809" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgageServicingRightsMSRImpairmentRecovery" xlink:label="Locator_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_810" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_809" xlink:to="Locator_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_810" order="3.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingAssetsAbstract" xlink:label="Locator_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_811" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="Locator_us-gaap_IncreaseDecreaseInOtherOperatingAssets_812" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_811" xlink:to="Locator_us-gaap_IncreaseDecreaseInOtherOperatingAssets_812" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_773" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingLiabilitiesAbstract" xlink:label="Locator_us-gaap_IncreaseDecreaseInOperatingLiabilitiesAbstract_774" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_773" xlink:to="Locator_us-gaap_IncreaseDecreaseInOperatingLiabilitiesAbstract_774" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingLiabilitiesAbstract" xlink:label="Locator_us-gaap_IncreaseDecreaseInOperatingLiabilitiesAbstract_813" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:label="Locator_us-gaap_IncreaseDecreaseInInterestPayableNet_814" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncreaseDecreaseInOperatingLiabilitiesAbstract_813" xlink:to="Locator_us-gaap_IncreaseDecreaseInInterestPayableNet_814" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingLiabilitiesAbstract" xlink:label="Locator_us-gaap_IncreaseDecreaseInOperatingLiabilitiesAbstract_815" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilities" xlink:label="Locator_us-gaap_IncreaseDecreaseInAccruedLiabilities_816" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncreaseDecreaseInOperatingLiabilitiesAbstract_815" xlink:to="Locator_us-gaap_IncreaseDecreaseInAccruedLiabilities_816" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_775" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivities_776" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_775" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivities_776" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_749" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_750" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_749" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_750" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_817" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsToAcquireInvestmentsAbstract" xlink:label="Locator_us-gaap_PaymentsToAcquireInvestmentsAbstract_818" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_817" xlink:to="Locator_us-gaap_PaymentsToAcquireInvestmentsAbstract_818" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsToAcquireInvestmentsAbstract" xlink:label="Locator_us-gaap_PaymentsToAcquireInvestmentsAbstract_841" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:label="Locator_us-gaap_PaymentsToAcquireAvailableForSaleSecurities_842" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PaymentsToAcquireInvestmentsAbstract_841" xlink:to="Locator_us-gaap_PaymentsToAcquireAvailableForSaleSecurities_842" order="1.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsToAcquireInvestmentsAbstract" xlink:label="Locator_us-gaap_PaymentsToAcquireInvestmentsAbstract_843" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:label="Locator_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_844" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PaymentsToAcquireInvestmentsAbstract_843" xlink:to="Locator_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_844" order="2.0" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsToAcquireInvestmentsAbstract" xlink:label="Locator_us-gaap_PaymentsToAcquireInvestmentsAbstract_845" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PaymentToAcquireDerivativesInstruments" xlink:label="Locator_ofg_PaymentToAcquireDerivativesInstruments_846" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PaymentsToAcquireInvestmentsAbstract_845" xlink:to="Locator_ofg_PaymentToAcquireDerivativesInstruments_846" order="3.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsToAcquireInvestmentsAbstract" xlink:label="Locator_us-gaap_PaymentsToAcquireInvestmentsAbstract_847" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsToAcquireOtherInvestments" xlink:label="Locator_us-gaap_PaymentsToAcquireOtherInvestments_848" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PaymentsToAcquireInvestmentsAbstract_847" xlink:to="Locator_us-gaap_PaymentsToAcquireOtherInvestments_848" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_819" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" xlink:label="Locator_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_820" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_819" xlink:to="Locator_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_820" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" xlink:label="Locator_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_849" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="Locator_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_850" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_849" xlink:to="Locator_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_850" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" xlink:label="Locator_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_851" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities" xlink:label="Locator_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_852" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_851" xlink:to="Locator_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_852" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" xlink:label="Locator_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_853" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfOtherInvestments" xlink:label="Locator_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfOtherInvestments_854" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_853" xlink:to="Locator_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfOtherInvestments_854" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_821" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ProceedsFromSaleAbstract" xlink:label="Locator_ofg_ProceedsFromSaleAbstract_822" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_821" xlink:to="Locator_ofg_ProceedsFromSaleAbstract_822" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ProceedsFromSaleAbstract" xlink:label="Locator_ofg_ProceedsFromSaleAbstract_855" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:label="Locator_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_856" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ProceedsFromSaleAbstract_855" xlink:to="Locator_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_856" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ProceedsFromSaleAbstract" xlink:label="Locator_ofg_ProceedsFromSaleAbstract_857" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromSaleOfForeclosedAssets" xlink:label="Locator_us-gaap_ProceedsFromSaleOfForeclosedAssets_858" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ProceedsFromSaleAbstract_857" xlink:to="Locator_us-gaap_ProceedsFromSaleOfForeclosedAssets_858" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ProceedsFromSaleAbstract" xlink:label="Locator_ofg_ProceedsFromSaleAbstract_859" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" xlink:label="Locator_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_860" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ProceedsFromSaleAbstract_859" xlink:to="Locator_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_860" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ProceedsFromSaleAbstract" xlink:label="Locator_ofg_ProceedsFromSaleAbstract_861" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale" xlink:label="Locator_us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale_862" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ProceedsFromSaleAbstract_861" xlink:to="Locator_us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale_862" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ProceedsFromSaleAbstract" xlink:label="Locator_ofg_ProceedsFromSaleAbstract_863" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:label="Locator_us-gaap_GainLossOnSaleOfPropertyPlantEquipment_864" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ProceedsFromSaleAbstract_863" xlink:to="Locator_us-gaap_GainLossOnSaleOfPropertyPlantEquipment_864" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ProceedsFromSaleAbstract" xlink:label="Locator_ofg_ProceedsFromSaleAbstract_865" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR" xlink:label="Locator_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR_866" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ProceedsFromSaleAbstract_865" xlink:to="Locator_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR_866" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_823" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="Locator_us-gaap_PaymentsForProceedsFromLoansAndLeases_824" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_823" xlink:to="Locator_us-gaap_PaymentsForProceedsFromLoansAndLeases_824" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_825" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:label="Locator_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_826" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_825" xlink:to="Locator_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_826" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_827" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Outlaysforacquisition" xlink:label="Locator_ofg_Outlaysforacquisition_828" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_827" xlink:to="Locator_ofg_Outlaysforacquisition_828" order="6.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_829" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Cashandcashequivalentsreceivedinacquisition" xlink:label="Locator_ofg_Cashandcashequivalentsreceivedinacquisition_830" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_829" xlink:to="Locator_ofg_Cashandcashequivalentsreceivedinacquisition_830" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_831" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepaymentToTheFdicForTheTerminationOfSharedLossAgreements" xlink:label="Locator_ofg_RepaymentToTheFdicForTheTerminationOfSharedLossAgreements_832" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_831" xlink:to="Locator_ofg_RepaymentToTheFdicForTheTerminationOfSharedLossAgreements_832" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_833" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAssetPeriodIncreaseDecrease" xlink:label="Locator_us-gaap_FDICIndemnificationAssetPeriodIncreaseDecrease_834" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_833" xlink:to="Locator_us-gaap_FDICIndemnificationAssetPeriodIncreaseDecrease_834" order="9.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_835" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="Locator_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_836" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_835" xlink:to="Locator_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_836" order="10.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_837" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromPaymentsForSecuritiesPurchasedUnderAgreementsToResell" xlink:label="Locator_us-gaap_ProceedsFromPaymentsForSecuritiesPurchasedUnderAgreementsToResell_838" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_837" xlink:to="Locator_us-gaap_ProceedsFromPaymentsForSecuritiesPurchasedUnderAgreementsToResell_838" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_839" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivities_840" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_839" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivities_840" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_751" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_752" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_751" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_752" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_867" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_868" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_867" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_868" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_879" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:label="Locator_us-gaap_IncreaseDecreaseInDeposits_880" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_879" xlink:to="Locator_us-gaap_IncreaseDecreaseInDeposits_880" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_881" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:label="Locator_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_882" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_881" xlink:to="Locator_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_882" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_883" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet" xlink:label="Locator_us-gaap_IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet_884" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_883" xlink:to="Locator_us-gaap_IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet_884" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_885" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_IncreaseDecreaseInFhlbAdvances" xlink:label="Locator_ofg_IncreaseDecreaseInFhlbAdvances_886" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_885" xlink:to="Locator_ofg_IncreaseDecreaseInFhlbAdvances_886" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_887" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubordinatedLiabilitiesPeriodIncreaseDecrease" xlink:label="Locator_us-gaap_SubordinatedLiabilitiesPeriodIncreaseDecrease_888" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_887" xlink:to="Locator_us-gaap_SubordinatedLiabilitiesPeriodIncreaseDecrease_888" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_889" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Proceedfromissuanceoffederaldepositinsurancecorporationguaranteedtermnotes" xlink:label="Locator_ofg_Proceedfromissuanceoffederaldepositinsurancecorporationguaranteedtermnotes_890" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_889" xlink:to="Locator_ofg_Proceedfromissuanceoffederaldepositinsurancecorporationguaranteedtermnotes_890" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_891" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromRepurchaseOfEquity" xlink:label="Locator_us-gaap_ProceedsFromRepurchaseOfEquity_892" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_891" xlink:to="Locator_us-gaap_ProceedsFromRepurchaseOfEquity_892" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_893" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="Locator_us-gaap_ProceedsFromIssuanceOfCommonStock_894" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_893" xlink:to="Locator_us-gaap_ProceedsFromIssuanceOfCommonStock_894" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_895" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock" xlink:label="Locator_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock_896" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_895" xlink:to="Locator_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock_896" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_869" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="Locator_us-gaap_PaymentsForRepurchaseOfCommonStock_870" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_869" xlink:to="Locator_us-gaap_PaymentsForRepurchaseOfCommonStock_870" order="2.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_871" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:label="Locator_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_872" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_871" xlink:to="Locator_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_872" order="3.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_873" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:label="Locator_us-gaap_PaymentsOfDividendsCommonStock_874" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_873" xlink:to="Locator_us-gaap_PaymentsOfDividendsCommonStock_874" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_875" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:label="Locator_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_876" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_875" xlink:to="Locator_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_876" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_877" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivities_878" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_877" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivities_878" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_753" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CashRestrictedCashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="Locator_ofg_CashRestrictedCashAndCashEquivalentsPeriodIncreaseDecrease_754" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_753" xlink:to="Locator_ofg_CashRestrictedCashAndCashEquivalentsPeriodIncreaseDecrease_754" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_755" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Cashcashequivalentsrestrictedcashandrestrictedcashequivalents2" xlink:label="Locator_ofg_Cashcashequivalentsrestrictedcashandrestrictedcashequivalents2_756" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_755" xlink:to="Locator_ofg_Cashcashequivalentsrestrictedcashandrestrictedcashequivalents2_756" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_757" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Cashcashequivalentsrestrictedcashandrestrictedcashequivalents2" xlink:label="Locator_ofg_Cashcashequivalentsrestrictedcashandrestrictedcashequivalents2_758" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_757" xlink:to="Locator_ofg_Cashcashequivalentsrestrictedcashandrestrictedcashequivalents2_758" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_759" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="Locator_us-gaap_SupplementalCashFlowInformationAbstract_760" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_759" xlink:to="Locator_us-gaap_SupplementalCashFlowInformationAbstract_760" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="Locator_us-gaap_SupplementalCashFlowInformationAbstract_897" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestPaidNet" xlink:label="Locator_us-gaap_InterestPaidNet_898" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SupplementalCashFlowInformationAbstract_897" xlink:to="Locator_us-gaap_InterestPaidNet_898" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="Locator_us-gaap_SupplementalCashFlowInformationAbstract_899" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxesPaid" xlink:label="Locator_us-gaap_IncomeTaxesPaid_900" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SupplementalCashFlowInformationAbstract_899" xlink:to="Locator_us-gaap_IncomeTaxesPaid_900" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="Locator_us-gaap_SupplementalCashFlowInformationAbstract_901" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MortgageLoansSecuritizedIntoMortgageBackedSecurities" xlink:label="Locator_ofg_MortgageLoansSecuritizedIntoMortgageBackedSecurities_902" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SupplementalCashFlowInformationAbstract_901" xlink:to="Locator_ofg_MortgageLoansSecuritizedIntoMortgageBackedSecurities_902" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="Locator_us-gaap_SupplementalCashFlowInformationAbstract_903" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TransferOfLoansToOtherRealEstate" xlink:label="Locator_ofg_TransferOfLoansToOtherRealEstate_904" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SupplementalCashFlowInformationAbstract_903" xlink:to="Locator_ofg_TransferOfLoansToOtherRealEstate_904" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="Locator_us-gaap_SupplementalCashFlowInformationAbstract_905" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SecuritiesPurchasedButNotYetReceived" xlink:label="Locator_ofg_SecuritiesPurchasedButNotYetReceived_906" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SupplementalCashFlowInformationAbstract_905" xlink:to="Locator_ofg_SecuritiesPurchasedButNotYetReceived_906" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="Locator_us-gaap_SupplementalCashFlowInformationAbstract_907" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1" xlink:label="Locator_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1_908" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SupplementalCashFlowInformationAbstract_907" xlink:to="Locator_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1_908" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="Locator_us-gaap_SupplementalCashFlowInformationAbstract_909" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1" xlink:label="Locator_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_910" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SupplementalCashFlowInformationAbstract_909" xlink:to="Locator_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_910" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="Locator_us-gaap_SupplementalCashFlowInformationAbstract_911" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TransferFromInvestmentSecuritiesHeldForSaleToHeldForInvestment" xlink:label="Locator_ofg_TransferFromInvestmentSecuritiesHeldForSaleToHeldForInvestment_912" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SupplementalCashFlowInformationAbstract_911" xlink:to="Locator_ofg_TransferFromInvestmentSecuritiesHeldForSaleToHeldForInvestment_912" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="Locator_us-gaap_SupplementalCashFlowInformationAbstract_913" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TransferFromInvestmentSecuritiesHeldToMaturityToAvailableForSale" xlink:label="Locator_ofg_TransferFromInvestmentSecuritiesHeldToMaturityToAvailableForSale_914" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SupplementalCashFlowInformationAbstract_913" xlink:to="Locator_ofg_TransferFromInvestmentSecuritiesHeldToMaturityToAvailableForSale_914" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="Locator_us-gaap_SupplementalCashFlowInformationAbstract_915" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SecuritiesSoldButNotYetDelivered" xlink:label="Locator_ofg_SecuritiesSoldButNotYetDelivered_916" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SupplementalCashFlowInformationAbstract_915" xlink:to="Locator_ofg_SecuritiesSoldButNotYetDelivered_916" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="Locator_us-gaap_SupplementalCashFlowInformationAbstract_917" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancedSalesOfForeclosedRealEstate" xlink:label="Locator_ofg_FinancedSalesOfForeclosedRealEstate_918" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SupplementalCashFlowInformationAbstract_917" xlink:to="Locator_ofg_FinancedSalesOfForeclosedRealEstate_918" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="Locator_us-gaap_SupplementalCashFlowInformationAbstract_919" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansBookedUnderGnmaBuyBackOption" xlink:label="Locator_ofg_LoansBookedUnderGnmaBuyBackOption_920" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SupplementalCashFlowInformationAbstract_919" xlink:to="Locator_ofg_LoansBookedUnderGnmaBuyBackOption_920" order="12.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="Locator_us-gaap_SupplementalCashFlowInformationAbstract_921" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InterestCapitalizedOnLoansSubjectToTheTemporaryPaymentMoratorium" xlink:label="Locator_ofg_InterestCapitalizedOnLoansSubjectToTheTemporaryPaymentMoratorium_922" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SupplementalCashFlowInformationAbstract_921" xlink:to="Locator_ofg_InterestCapitalizedOnLoansSubjectToTheTemporaryPaymentMoratorium_922" order="13.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/InvestmentSecurities">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_1057" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:label="Locator_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_1058" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsAbstract_1057" xlink:to="Locator_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_1058" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivable">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="Locator_us-gaap_ReceivablesAbstract_1059" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:label="Locator_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_1060" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivablesAbstract_1059" xlink:to="Locator_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_1060" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/FDICIndemnificationAssetAndTrueupPaymentObligation">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="Locator_us-gaap_BankingAndThriftAbstract_1061" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicIndemnificationAssetAndTrueUpPaymentObligationTextBlock" xlink:label="Locator_ofg_FdicIndemnificationAssetAndTrueUpPaymentObligationTextBlock_1062" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BankingAndThriftAbstract_1061" xlink:to="Locator_ofg_FdicIndemnificationAssetAndTrueUpPaymentObligationTextBlock_1062" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DepositsAndRelatedInterest">
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DepositsAndRelatedInterestAbstract" xlink:label="Locator_ofg_DepositsAndRelatedInterestAbstract_1063" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:label="Locator_us-gaap_DepositLiabilitiesDisclosuresTextBlock_1064" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DepositsAndRelatedInterestAbstract_1063" xlink:to="Locator_us-gaap_DepositLiabilitiesDisclosuresTextBlock_1064" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BorrowingsAndRelatedInterest">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="Locator_us-gaap_DebtDisclosureAbstract_1065" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtDisclosureTextBlock" xlink:label="Locator_us-gaap_DebtDisclosureTextBlock_1066" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtDisclosureAbstract_1065" xlink:to="Locator_us-gaap_DebtDisclosureTextBlock_1066" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DerivativeActivities">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:label="Locator_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_1067" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:label="Locator_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_1068" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_1067" xlink:to="Locator_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_1068" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/StockholdersEquity">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityAbstract" xlink:label="Locator_us-gaap_EquityAbstract_1069" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareholdersEquityAndShareBasedPaymentsTextBlock" xlink:label="Locator_us-gaap_ShareholdersEquityAndShareBasedPaymentsTextBlock_1070" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityAbstract_1069" xlink:to="Locator_us-gaap_ShareholdersEquityAndShareBasedPaymentsTextBlock_1070" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/FairValue">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="Locator_us-gaap_FairValueDisclosuresAbstract_1071" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueDisclosuresTextBlock" xlink:label="Locator_us-gaap_FairValueDisclosuresTextBlock_1072" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueDisclosuresAbstract_1071" xlink:to="Locator_us-gaap_FairValueDisclosuresTextBlock_1072" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BusinessSegment">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="Locator_us-gaap_SegmentReportingAbstract_1073" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingDisclosureTextBlock" xlink:label="Locator_us-gaap_SegmentReportingDisclosureTextBlock_1074" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingAbstract_1073" xlink:to="Locator_us-gaap_SegmentReportingDisclosureTextBlock_1074" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/FDICIndemnificationAssetAndTrueupPaymentObligationFDICIndemnificationAssetRollForwardDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="Locator_us-gaap_BankingAndThriftAbstract_1075" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAssetRollForward" xlink:label="Locator_us-gaap_FDICIndemnificationAssetRollForward_1076" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BankingAndThriftAbstract_1075" xlink:to="Locator_us-gaap_FDICIndemnificationAssetRollForward_1076" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAssetRollForward" xlink:label="Locator_us-gaap_FDICIndemnificationAssetRollForward_1081" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_IndemnificationAgreementsReimbursementsFromFdic" xlink:label="Locator_ofg_IndemnificationAgreementsReimbursementsFromFdic_1082" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FDICIndemnificationAssetRollForward_1081" xlink:to="Locator_ofg_IndemnificationAgreementsReimbursementsFromFdic_1082" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAssetRollForward" xlink:label="Locator_us-gaap_FDICIndemnificationAssetRollForward_1083" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SharedLossAgreementsReimbursementsExpectedFromTheFdic" xlink:label="Locator_ofg_SharedLossAgreementsReimbursementsExpectedFromTheFdic_1084" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FDICIndemnificationAssetRollForward_1083" xlink:to="Locator_ofg_SharedLossAgreementsReimbursementsExpectedFromTheFdic_1084" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAssetRollForward" xlink:label="Locator_us-gaap_FDICIndemnificationAssetRollForward_1085" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_IncreaseDecreaseInExpectedCreditLossesToBeCoveredUnderSharedLossAgreementsNet" xlink:label="Locator_ofg_IncreaseDecreaseInExpectedCreditLossesToBeCoveredUnderSharedLossAgreementsNet_1086" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FDICIndemnificationAssetRollForward_1085" xlink:to="Locator_ofg_IncreaseDecreaseInExpectedCreditLossesToBeCoveredUnderSharedLossAgreementsNet_1086" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAssetRollForward" xlink:label="Locator_us-gaap_FDICIndemnificationAssetRollForward_1087" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicIndemnificationAssetExpense" xlink:label="Locator_ofg_FdicIndemnificationAssetExpense_1088" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FDICIndemnificationAssetRollForward_1087" xlink:to="Locator_ofg_FdicIndemnificationAssetExpense_1088" order="5.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAssetRollForward" xlink:label="Locator_us-gaap_FDICIndemnificationAssetRollForward_1089" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinalSettlementWithTheFdicOnCommercialLoans" xlink:label="Locator_ofg_FinalSettlementWithTheFdicOnCommercialLoans_1090" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FDICIndemnificationAssetRollForward_1089" xlink:to="Locator_ofg_FinalSettlementWithTheFdicOnCommercialLoans_1090" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAssetRollForward" xlink:label="Locator_us-gaap_FDICIndemnificationAssetRollForward_1091" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicIndemnificationAssetAdditionalEstimatedExpenses" xlink:label="Locator_ofg_FdicIndemnificationAssetAdditionalEstimatedExpenses_1092" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FDICIndemnificationAssetRollForward_1091" xlink:to="Locator_ofg_FdicIndemnificationAssetAdditionalEstimatedExpenses_1092" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAssetRollForward" xlink:label="Locator_us-gaap_FDICIndemnificationAssetRollForward_1093" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SharedLossTerminationBenefit" xlink:label="Locator_ofg_SharedLossTerminationBenefit_1094" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FDICIndemnificationAssetRollForward_1093" xlink:to="Locator_ofg_SharedLossTerminationBenefit_1094" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAssetRollForward" xlink:label="Locator_us-gaap_FDICIndemnificationAssetRollForward_1079" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAsset" xlink:label="Locator_us-gaap_FDICIndemnificationAsset_1080" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FDICIndemnificationAssetRollForward_1079" xlink:to="Locator_us-gaap_FDICIndemnificationAsset_1080" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAssetRollForward" xlink:label="Locator_us-gaap_FDICIndemnificationAssetRollForward_1095" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAsset" xlink:label="Locator_us-gaap_FDICIndemnificationAsset_1096" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FDICIndemnificationAssetRollForward_1095" xlink:to="Locator_us-gaap_FDICIndemnificationAsset_1096" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="Locator_us-gaap_BankingAndThriftAbstract_1077" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicIndemnificationLiabilityRollForward" xlink:label="Locator_ofg_FdicIndemnificationLiabilityRollForward_1078" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BankingAndThriftAbstract_1077" xlink:to="Locator_ofg_FdicIndemnificationLiabilityRollForward_1078" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicIndemnificationLiabilityRollForward" xlink:label="Locator_ofg_FdicIndemnificationLiabilityRollForward_1099" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicClawbackLiability" xlink:label="Locator_ofg_FdicClawbackLiability_1100" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FdicIndemnificationLiabilityRollForward_1099" xlink:to="Locator_ofg_FdicClawbackLiability_1100" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicIndemnificationLiabilityRollForward" xlink:label="Locator_ofg_FdicIndemnificationLiabilityRollForward_1101" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SharedLossTerminationSettlementLiability" xlink:label="Locator_ofg_SharedLossTerminationSettlementLiability_1102" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FdicIndemnificationLiabilityRollForward_1101" xlink:to="Locator_ofg_SharedLossTerminationSettlementLiability_1102" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicIndemnificationLiabilityRollForward" xlink:label="Locator_ofg_FdicIndemnificationLiabilityRollForward_1097" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TrueUpPaymentObligation" xlink:label="Locator_ofg_TrueUpPaymentObligation_1098" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FdicIndemnificationLiabilityRollForward_1097" xlink:to="Locator_ofg_TrueUpPaymentObligation_1098" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicIndemnificationLiabilityRollForward" xlink:label="Locator_ofg_FdicIndemnificationLiabilityRollForward_1103" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TrueUpPaymentObligation" xlink:label="Locator_ofg_TrueUpPaymentObligation_1104" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FdicIndemnificationLiabilityRollForward_1103" xlink:to="Locator_ofg_TrueUpPaymentObligation_1104" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/FairValueTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_1105" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_1106" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_1105" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_1106" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_1107" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_1108" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_1107" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_1108" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_1109" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AvailableForSaleSecuritiesClassifiedAsLevel3TableTextBlock" xlink:label="Locator_ofg_AvailableForSaleSecuritiesClassifiedAsLevel3TableTextBlock_1110" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_1109" xlink:to="Locator_ofg_AvailableForSaleSecuritiesClassifiedAsLevel3TableTextBlock_1110" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_1111" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:label="Locator_us-gaap_FairValueByBalanceSheetGroupingTextBlock_1112" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_1111" xlink:to="Locator_us-gaap_FairValueByBalanceSheetGroupingTextBlock_1112" order="4.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/FairValueAssetsAndLiabilitiesOnRecurringAndNonrecurringBasisDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1213" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1214" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1213" xlink:to="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1214" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1215" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="Locator_us-gaap_FairValueInputsLevel1Member_1216" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1215" xlink:to="Locator_us-gaap_FairValueInputsLevel1Member_1216" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1217" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="Locator_us-gaap_FairValueInputsLevel2Member_1218" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1217" xlink:to="Locator_us-gaap_FairValueInputsLevel2Member_1218" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1219" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="Locator_us-gaap_FairValueInputsLevel3Member_1220" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1219" xlink:to="Locator_us-gaap_FairValueInputsLevel3Member_1220" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_1139" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1140" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_1139" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1140" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1209" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_1210" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1209" xlink:to="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_1210" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_1221" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementFrequencyDomain_1222" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_1221" xlink:to="Locator_us-gaap_FairValueMeasurementFrequencyDomain_1222" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementFrequencyDomain_1225" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsNonrecurringMember" xlink:label="Locator_us-gaap_FairValueMeasurementsNonrecurringMember_1226" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementFrequencyDomain_1225" xlink:to="Locator_us-gaap_FairValueMeasurementsNonrecurringMember_1226" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementFrequencyDomain_1223" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsRecurringMember" xlink:label="Locator_us-gaap_FairValueMeasurementsRecurringMember_1224" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementFrequencyDomain_1223" xlink:to="Locator_us-gaap_FairValueMeasurementsRecurringMember_1224" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1207" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1208" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1207" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1208" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1113" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecurities_1114" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1113" xlink:to="Locator_us-gaap_AvailableForSaleSecurities_1114" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1115" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MoneyMarketFundsAtCarryingValue" xlink:label="Locator_us-gaap_MoneyMarketFundsAtCarryingValue_1116" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1115" xlink:to="Locator_us-gaap_MoneyMarketFundsAtCarryingValue_1116" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1117" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TradingSecurities" xlink:label="Locator_us-gaap_TradingSecurities_1118" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1117" xlink:to="Locator_us-gaap_TradingSecurities_1118" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1119" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAssets" xlink:label="Locator_us-gaap_DerivativeAssets_1120" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1119" xlink:to="Locator_us-gaap_DerivativeAssets_1120" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1121" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmount" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueAmount_1122" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1121" xlink:to="Locator_us-gaap_ServicingAssetAtFairValueAmount_1122" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1123" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLiabilitiesCurrent" xlink:label="Locator_us-gaap_DerivativeLiabilitiesCurrent_1124" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1123" xlink:to="Locator_us-gaap_DerivativeLiabilitiesCurrent_1124" order="6.0" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1125" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellFairValueDisclosure" xlink:label="Locator_us-gaap_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellFairValueDisclosure_1126" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1125" xlink:to="Locator_us-gaap_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellFairValueDisclosure_1126" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1127" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RecurringAssetFairValue" xlink:label="Locator_ofg_RecurringAssetFairValue_1128" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1127" xlink:to="Locator_ofg_RecurringAssetFairValue_1128" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1129" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:label="Locator_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_1130" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1129" xlink:to="Locator_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_1130" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1131" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherRealEstateAndForeclosedAssets" xlink:label="Locator_us-gaap_OtherRealEstateAndForeclosedAssets_1132" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1131" xlink:to="Locator_us-gaap_OtherRealEstateAndForeclosedAssets_1132" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1133" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherForeclosedAssets" xlink:label="Locator_us-gaap_OtherForeclosedAssets_1134" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1133" xlink:to="Locator_us-gaap_OtherForeclosedAssets_1134" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1135" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Assetsfairvaluenonrecurring" xlink:label="Locator_ofg_Assetsfairvaluenonrecurring_1136" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1135" xlink:to="Locator_ofg_Assetsfairvaluenonrecurring_1136" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1211" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1212" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1211" xlink:to="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1212" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/FairValueReconciliationOfAssetsAndLiabilitiesUsingSignificantUnobservableInputsLevel3Details">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_1303" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1304" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeAxis_1303" xlink:to="Locator_us-gaap_InvestmentTypeCategorizationMember_1304" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1305" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetBackedSecuritiesSecuritizedLoansAndReceivablesMember" xlink:label="Locator_us-gaap_AssetBackedSecuritiesSecuritizedLoansAndReceivablesMember_1306" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1305" xlink:to="Locator_us-gaap_AssetBackedSecuritiesSecuritizedLoansAndReceivablesMember_1306" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1311" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeFinancialInstrumentsAssetsMember" xlink:label="Locator_us-gaap_DerivativeFinancialInstrumentsAssetsMember_1312" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1311" xlink:to="Locator_us-gaap_DerivativeFinancialInstrumentsAssetsMember_1312" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1313" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ServicingAssetsMember" xlink:label="Locator_ofg_ServicingAssetsMember_1314" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1313" xlink:to="Locator_ofg_ServicingAssetsMember_1314" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1315" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeFinancialInstrumentsLiabilitiesMember" xlink:label="Locator_us-gaap_DerivativeFinancialInstrumentsLiabilitiesMember_1316" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1315" xlink:to="Locator_us-gaap_DerivativeFinancialInstrumentsLiabilitiesMember_1316" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1309" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:label="Locator_us-gaap_OtherDebtSecuritiesMember_1310" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1309" xlink:to="Locator_us-gaap_OtherDebtSecuritiesMember_1310" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1307" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CollateralizedMortgageObligationsMember" xlink:label="Locator_us-gaap_CollateralizedMortgageObligationsMember_1308" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1307" xlink:to="Locator_us-gaap_CollateralizedMortgageObligationsMember_1308" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1297" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:label="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_1298" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1297" xlink:to="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_1298" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:label="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_1227" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:label="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1228" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_1227" xlink:to="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1228" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:label="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1233" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_1234" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1233" xlink:to="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_1234" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:label="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1235" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SaleOfMortgageServicingRights" xlink:label="Locator_ofg_SaleOfMortgageServicingRights_1236" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1235" xlink:to="Locator_ofg_SaleOfMortgageServicingRights_1236" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:label="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1237" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_1238" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1237" xlink:to="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_1238" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:label="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1239" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_1240" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1239" xlink:to="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_1240" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:label="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1241" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_1242" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1241" xlink:to="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_1242" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:label="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1243" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAmortization" xlink:label="Locator_ofg_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAmortization_1244" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1243" xlink:to="Locator_ofg_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAmortization_1244" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:label="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1245" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_1246" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1245" xlink:to="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_1246" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:label="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1247" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" xlink:label="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss_1248" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1247" xlink:to="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss_1248" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:label="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1231" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_1232" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1231" xlink:to="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_1232" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:label="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1249" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_1250" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1249" xlink:to="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_1250" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1299" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_1300" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1299" xlink:to="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_1300" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_1317" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementFrequencyDomain_1318" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_1317" xlink:to="Locator_us-gaap_FairValueMeasurementFrequencyDomain_1318" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementFrequencyDomain_1319" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsRecurringMember" xlink:label="Locator_us-gaap_FairValueMeasurementsRecurringMember_1320" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementFrequencyDomain_1319" xlink:to="Locator_us-gaap_FairValueMeasurementsRecurringMember_1320" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1301" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_1302" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1301" xlink:to="Locator_us-gaap_InvestmentTypeAxis_1302" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationAbstract" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationAbstract_1251" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1252" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationAbstract_1251" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1252" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/FairValueQualitativeInformationForAssetsAndLiabilitiesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeAxis" xlink:label="Locator_us-gaap_RangeAxis_1473" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeMember" xlink:label="Locator_us-gaap_RangeMember_1474" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RangeAxis_1473" xlink:to="Locator_us-gaap_RangeMember_1474" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeMember" xlink:label="Locator_us-gaap_RangeMember_1475" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MinimumMember" xlink:label="Locator_us-gaap_MinimumMember_1476" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RangeMember_1475" xlink:to="Locator_us-gaap_MinimumMember_1476" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeMember" xlink:label="Locator_us-gaap_RangeMember_1477" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaximumMember" xlink:label="Locator_us-gaap_MaximumMember_1478" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RangeMember_1477" xlink:to="Locator_us-gaap_MaximumMember_1478" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsQuantitativeInformationAbstract" xlink:label="Locator_us-gaap_FairValueInputsQuantitativeInformationAbstract_1349" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsAssetsQuantitativeInformationTable" xlink:label="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationTable_1350" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueInputsQuantitativeInformationAbstract_1349" xlink:to="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationTable_1350" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsAssetsQuantitativeInformationTable" xlink:label="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationTable_1429" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems" xlink:label="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems_1430" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationTable_1429" xlink:to="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems_1430" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems" xlink:label="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems_1321" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FairValueAssetsAndLiabilitiesMeasuredOnReccurringBasis" xlink:label="Locator_ofg_FairValueAssetsAndLiabilitiesMeasuredOnReccurringBasis_1322" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems_1321" xlink:to="Locator_ofg_FairValueAssetsAndLiabilitiesMeasuredOnReccurringBasis_1322" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems" xlink:label="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems_1323" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ValuationTechnique" xlink:label="Locator_ofg_ValuationTechnique_1324" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems_1323" xlink:to="Locator_ofg_ValuationTechnique_1324" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems" xlink:label="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems_1325" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1326" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems_1325" xlink:to="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1326" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1329" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FairValueInputsIndicativePricing" xlink:label="Locator_ofg_FairValueInputsIndicativePricing_1330" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1329" xlink:to="Locator_ofg_FairValueInputsIndicativePricing_1330" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1331" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Fairvalueinputsoasspread" xlink:label="Locator_ofg_Fairvalueinputsoasspread_1332" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1331" xlink:to="Locator_ofg_Fairvalueinputsoasspread_1332" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1333" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FairValueInputsYieldToMaturity" xlink:label="Locator_ofg_FairValueInputsYieldToMaturity_1334" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1333" xlink:to="Locator_ofg_FairValueInputsYieldToMaturity_1334" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1335" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FairValueInputsSpreadToMaturity" xlink:label="Locator_ofg_FairValueInputsSpreadToMaturity_1336" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1335" xlink:to="Locator_ofg_FairValueInputsSpreadToMaturity_1336" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1337" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssumptionsExpectedVolatilityRate" xlink:label="Locator_us-gaap_FairValueAssumptionsExpectedVolatilityRate_1338" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1337" xlink:to="Locator_us-gaap_FairValueAssumptionsExpectedVolatilityRate_1338" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1339" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsCounterpartyCreditRisk" xlink:label="Locator_us-gaap_FairValueInputsCounterpartyCreditRisk_1340" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1339" xlink:to="Locator_us-gaap_FairValueInputsCounterpartyCreditRisk_1340" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1341" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed" xlink:label="Locator_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed_1342" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1341" xlink:to="Locator_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed_1342" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1343" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FairValueInputsDiscountRate1" xlink:label="Locator_ofg_FairValueInputsDiscountRate1_1344" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1343" xlink:to="Locator_ofg_FairValueInputsDiscountRate1_1344" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1345" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AppraisedValue" xlink:label="Locator_ofg_AppraisedValue_1346" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1345" xlink:to="Locator_ofg_AppraisedValue_1346" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription" xlink:label="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1347" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_EstimatedNetRealizableValue" xlink:label="Locator_ofg_EstimatedNetRealizableValue_1348" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarningsDescription_1347" xlink:to="Locator_ofg_EstimatedNetRealizableValue_1348" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsAssetsQuantitativeInformationTable" xlink:label="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationTable_1431" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1432" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationTable_1431" xlink:to="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1432" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1439" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1440" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1439" xlink:to="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1440" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1441" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="Locator_us-gaap_FairValueInputsLevel3Member_1442" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1441" xlink:to="Locator_us-gaap_FairValueInputsLevel3Member_1442" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsAssetsQuantitativeInformationTable" xlink:label="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationTable_1433" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_1434" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationTable_1433" xlink:to="Locator_us-gaap_InvestmentTypeAxis_1434" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_1443" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1444" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeAxis_1443" xlink:to="Locator_us-gaap_InvestmentTypeCategorizationMember_1444" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1447" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeFinancialInstrumentsAssetsMember" xlink:label="Locator_us-gaap_DerivativeFinancialInstrumentsAssetsMember_1448" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1447" xlink:to="Locator_us-gaap_DerivativeFinancialInstrumentsAssetsMember_1448" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1449" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ServicingAssetsMember" xlink:label="Locator_ofg_ServicingAssetsMember_1450" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1449" xlink:to="Locator_ofg_ServicingAssetsMember_1450" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1451" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeFinancialInstrumentsLiabilitiesMember" xlink:label="Locator_us-gaap_DerivativeFinancialInstrumentsLiabilitiesMember_1452" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1451" xlink:to="Locator_us-gaap_DerivativeFinancialInstrumentsLiabilitiesMember_1452" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1453" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CollateralizedLoanObligationsMember" xlink:label="Locator_us-gaap_CollateralizedLoanObligationsMember_1454" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1453" xlink:to="Locator_us-gaap_CollateralizedLoanObligationsMember_1454" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1455" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GovernmentInstitutionLoanMember" xlink:label="Locator_ofg_GovernmentInstitutionLoanMember_1456" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1455" xlink:to="Locator_ofg_GovernmentInstitutionLoanMember_1456" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1457" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherNonCollateralDependantImpairedLoansMember" xlink:label="Locator_ofg_OtherNonCollateralDependantImpairedLoansMember_1458" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1457" xlink:to="Locator_ofg_OtherNonCollateralDependantImpairedLoansMember_1458" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1459" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ForeclosedRealEstateMember" xlink:label="Locator_ofg_ForeclosedRealEstateMember_1460" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1459" xlink:to="Locator_ofg_ForeclosedRealEstateMember_1460" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1461" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRepossessedAssetsMember" xlink:label="Locator_ofg_OtherRepossessedAssetsMember_1462" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1461" xlink:to="Locator_ofg_OtherRepossessedAssetsMember_1462" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1445" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:label="Locator_us-gaap_OtherDebtSecuritiesMember_1446" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1445" xlink:to="Locator_us-gaap_OtherDebtSecuritiesMember_1446" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsAssetsQuantitativeInformationTable" xlink:label="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationTable_1435" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ValuationTechniqueAxis" xlink:label="Locator_us-gaap_ValuationTechniqueAxis_1436" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationTable_1435" xlink:to="Locator_us-gaap_ValuationTechniqueAxis_1436" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ValuationTechniqueAxis" xlink:label="Locator_us-gaap_ValuationTechniqueAxis_1463" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ValuationTechniqueDomain" xlink:label="Locator_us-gaap_ValuationTechniqueDomain_1464" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ValuationTechniqueAxis_1463" xlink:to="Locator_us-gaap_ValuationTechniqueDomain_1464" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ValuationTechniqueDomain" xlink:label="Locator_us-gaap_ValuationTechniqueDomain_1465" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MarketApproachValuationTechniqueMember" xlink:label="Locator_us-gaap_MarketApproachValuationTechniqueMember_1466" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ValuationTechniqueDomain_1465" xlink:to="Locator_us-gaap_MarketApproachValuationTechniqueMember_1466" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ValuationTechniqueDomain" xlink:label="Locator_us-gaap_ValuationTechniqueDomain_1467" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OptionPricingModelTechniqueMember" xlink:label="Locator_ofg_OptionPricingModelTechniqueMember_1468" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ValuationTechniqueDomain_1467" xlink:to="Locator_ofg_OptionPricingModelTechniqueMember_1468" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ValuationTechniqueDomain" xlink:label="Locator_us-gaap_ValuationTechniqueDomain_1469" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CashFlowValuationTechniqueMember" xlink:label="Locator_ofg_CashFlowValuationTechniqueMember_1470" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ValuationTechniqueDomain_1469" xlink:to="Locator_ofg_CashFlowValuationTechniqueMember_1470" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ValuationTechniqueDomain" xlink:label="Locator_us-gaap_ValuationTechniqueDomain_1471" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FairValueOfPropertyOrCollateralMember" xlink:label="Locator_ofg_FairValueOfPropertyOrCollateralMember_1472" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ValuationTechniqueDomain_1471" xlink:to="Locator_ofg_FairValueOfPropertyOrCollateralMember_1472" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsAssetsQuantitativeInformationTable" xlink:label="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationTable_1437" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeAxis" xlink:label="Locator_us-gaap_RangeAxis_1438" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueInputsAssetsQuantitativeInformationTable_1437" xlink:to="Locator_us-gaap_RangeAxis_1438" order="4.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/FairValueEstimatedFairValueAndCarryingValueDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1737" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1738" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1737" xlink:to="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1738" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1739" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="Locator_us-gaap_FairValueInputsLevel1Member_1740" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1739" xlink:to="Locator_us-gaap_FairValueInputsLevel1Member_1740" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1741" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="Locator_us-gaap_FairValueInputsLevel2Member_1742" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1741" xlink:to="Locator_us-gaap_FairValueInputsLevel2Member_1742" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1743" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="Locator_us-gaap_FairValueInputsLevel3Member_1744" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1743" xlink:to="Locator_us-gaap_FairValueInputsLevel3Member_1744" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1733" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1734" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1733" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1734" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1479" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FairValueAbstract" xlink:label="Locator_ofg_FairValueAbstract_1480" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1479" xlink:to="Locator_ofg_FairValueAbstract_1480" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FairValueAbstract" xlink:label="Locator_ofg_FairValueAbstract_1485" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1486" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FairValueAbstract_1485" xlink:to="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1486" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1489" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:label="Locator_us-gaap_CashAndCashEquivalentsFairValueDisclosure_1490" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1489" xlink:to="Locator_us-gaap_CashAndCashEquivalentsFairValueDisclosure_1490" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1491" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RestrictedCashAtFairValue" xlink:label="Locator_ofg_RestrictedCashAtFairValue_1492" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1491" xlink:to="Locator_ofg_RestrictedCashAtFairValue_1492" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1493" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellFairValueDisclosure" xlink:label="Locator_us-gaap_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellFairValueDisclosure_1494" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1493" xlink:to="Locator_us-gaap_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellFairValueDisclosure_1494" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1495" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesFailedToDeliver" xlink:label="Locator_us-gaap_SecuritiesFailedToDeliver_1496" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1495" xlink:to="Locator_us-gaap_SecuritiesFailedToDeliver_1496" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1497" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TradingSecuritiesEquity" xlink:label="Locator_us-gaap_TradingSecuritiesEquity_1498" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1497" xlink:to="Locator_us-gaap_TradingSecuritiesEquity_1498" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1499" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecurities_1500" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1499" xlink:to="Locator_us-gaap_AvailableForSaleSecurities_1500" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1501" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesFairValue_1502" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1501" xlink:to="Locator_us-gaap_HeldToMaturitySecuritiesFairValue_1502" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1503" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalHomeLoanBankStock" xlink:label="Locator_us-gaap_FederalHomeLoanBankStock_1504" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1503" xlink:to="Locator_us-gaap_FederalHomeLoanBankStock_1504" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1505" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherInvestments" xlink:label="Locator_us-gaap_OtherInvestments_1506" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1505" xlink:to="Locator_us-gaap_OtherInvestments_1506" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1507" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansInclHfsFairValue" xlink:label="Locator_ofg_LoansInclHfsFairValue_1508" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1507" xlink:to="Locator_ofg_LoansInclHfsFairValue_1508" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1509" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansReceivableFairValueDisclosureCovered" xlink:label="Locator_ofg_LoansReceivableFairValueDisclosureCovered_1510" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1509" xlink:to="Locator_ofg_LoansReceivableFairValueDisclosureCovered_1510" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1511" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAssets" xlink:label="Locator_us-gaap_DerivativeAssets_1512" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1511" xlink:to="Locator_us-gaap_DerivativeAssets_1512" order="12.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1513" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicIndemnificationAssetFairValueDisclosure" xlink:label="Locator_ofg_FdicIndemnificationAssetFairValueDisclosure_1514" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1513" xlink:to="Locator_ofg_FdicIndemnificationAssetFairValueDisclosure_1514" order="13.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1515" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesFairValueDisclosure" xlink:label="Locator_us-gaap_ReceivablesFairValueDisclosure_1516" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1515" xlink:to="Locator_us-gaap_ReceivablesFairValueDisclosure_1516" order="14.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1517" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmount" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueAmount_1518" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1517" xlink:to="Locator_us-gaap_ServicingAssetAtFairValueAmount_1518" order="15.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1519" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountReceivableAndOtherAssetsFairValue" xlink:label="Locator_ofg_AccountReceivableAndOtherAssetsFairValue_1520" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureAbstract_1519" xlink:to="Locator_ofg_AccountReceivableAndOtherAssetsFairValue_1520" order="16.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FairValueAbstract" xlink:label="Locator_ofg_FairValueAbstract_1487" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1488" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FairValueAbstract_1487" xlink:to="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1488" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1521" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsFairValueDisclosure" xlink:label="Locator_us-gaap_DepositsFairValueDisclosure_1522" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1521" xlink:to="Locator_us-gaap_DepositsFairValueDisclosure_1522" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1523" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalFundsPurchasedAndSecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure" xlink:label="Locator_us-gaap_FederalFundsPurchasedAndSecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_1524" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1523" xlink:to="Locator_us-gaap_FederalFundsPurchasedAndSecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_1524" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1525" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure" xlink:label="Locator_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_1526" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1525" xlink:to="Locator_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_1526" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1527" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalFundsPurchasedFairValueDisclosure" xlink:label="Locator_us-gaap_FederalFundsPurchasedFairValueDisclosure_1528" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1527" xlink:to="Locator_us-gaap_FederalFundsPurchasedFairValueDisclosure_1528" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1529" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NotesPayableFairValueDisclosure" xlink:label="Locator_us-gaap_NotesPayableFairValueDisclosure_1530" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1529" xlink:to="Locator_us-gaap_NotesPayableFairValueDisclosure_1530" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1531" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations" xlink:label="Locator_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations_1532" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1531" xlink:to="Locator_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations_1532" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1533" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLiabilitiesCurrent" xlink:label="Locator_us-gaap_DerivativeLiabilitiesCurrent_1534" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1533" xlink:to="Locator_us-gaap_DerivativeLiabilitiesCurrent_1534" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1535" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShorttermDebtFairValue" xlink:label="Locator_us-gaap_ShorttermDebtFairValue_1536" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1535" xlink:to="Locator_us-gaap_ShorttermDebtFairValue_1536" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1537" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtFairValue" xlink:label="Locator_us-gaap_LongTermDebtFairValue_1538" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1537" xlink:to="Locator_us-gaap_LongTermDebtFairValue_1538" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1539" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure" xlink:label="Locator_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure_1540" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1539" xlink:to="Locator_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure_1540" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1541" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SecuritiesPurchasedButNotReceivedFairValue" xlink:label="Locator_ofg_SecuritiesPurchasedButNotReceivedFairValue_1542" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesFairValueDisclosureAbstract_1541" xlink:to="Locator_ofg_SecuritiesPurchasedButNotReceivedFairValue_1542" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1481" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CarryingValueDisclosureAbstract" xlink:label="Locator_ofg_CarryingValueDisclosureAbstract_1482" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1481" xlink:to="Locator_ofg_CarryingValueDisclosureAbstract_1482" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CarryingValueDisclosureAbstract" xlink:label="Locator_ofg_CarryingValueDisclosureAbstract_1543" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1544" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CarryingValueDisclosureAbstract_1543" xlink:to="Locator_us-gaap_AssetsAbstract_1544" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1547" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CashAndCashEquivalentsAtCarryingValue1" xlink:label="Locator_ofg_CashAndCashEquivalentsAtCarryingValue1_1548" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1547" xlink:to="Locator_ofg_CashAndCashEquivalentsAtCarryingValue1_1548" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1549" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="Locator_us-gaap_RestrictedCashAndCashEquivalents_1550" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1549" xlink:to="Locator_us-gaap_RestrictedCashAndCashEquivalents_1550" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1551" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell" xlink:label="Locator_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_1552" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1551" xlink:to="Locator_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_1552" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1553" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SecuritiesFailedToDeliverAtCarryingValue" xlink:label="Locator_ofg_SecuritiesFailedToDeliverAtCarryingValue_1554" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1553" xlink:to="Locator_ofg_SecuritiesFailedToDeliverAtCarryingValue_1554" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1555" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TradingSecurities" xlink:label="Locator_us-gaap_TradingSecurities_1556" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1555" xlink:to="Locator_us-gaap_TradingSecurities_1556" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1557" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesFSCarryingValue" xlink:label="Locator_ofg_InvestmentSecuritiesFSCarryingValue_1558" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1557" xlink:to="Locator_ofg_InvestmentSecuritiesFSCarryingValue_1558" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1559" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentHeldForSaleCarryingAmount" xlink:label="Locator_ofg_InvestmentHeldForSaleCarryingAmount_1560" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1559" xlink:to="Locator_ofg_InvestmentHeldForSaleCarryingAmount_1560" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1561" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FederalHomeLoanBankStockAtCarryingValue" xlink:label="Locator_ofg_FederalHomeLoanBankStockAtCarryingValue_1562" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1561" xlink:to="Locator_ofg_FederalHomeLoanBankStockAtCarryingValue_1562" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1563" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherInvestmentCarryingValue" xlink:label="Locator_ofg_OtherInvestmentCarryingValue_1564" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1563" xlink:to="Locator_ofg_OtherInvestmentCarryingValue_1564" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1565" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_1566" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1565" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_1566" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1567" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet_1568" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1567" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet_1568" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1569" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeAssetsCarryingValue" xlink:label="Locator_ofg_DerivativeAssetsCarryingValue_1570" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1569" xlink:to="Locator_ofg_DerivativeAssetsCarryingValue_1570" order="12.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1571" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAsset" xlink:label="Locator_us-gaap_FDICIndemnificationAsset_1572" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1571" xlink:to="Locator_us-gaap_FDICIndemnificationAsset_1572" order="13.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1573" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestReceivableNoncurrent" xlink:label="Locator_us-gaap_InterestReceivableNoncurrent_1574" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1573" xlink:to="Locator_us-gaap_InterestReceivableNoncurrent_1574" order="14.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1575" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ServicingAssetsCarryingValue" xlink:label="Locator_ofg_ServicingAssetsCarryingValue_1576" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1575" xlink:to="Locator_ofg_ServicingAssetsCarryingValue_1576" order="15.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1577" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountReceivableAndOherAssetsCarryingValue" xlink:label="Locator_ofg_AccountReceivableAndOherAssetsCarryingValue_1578" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1577" xlink:to="Locator_ofg_AccountReceivableAndOherAssetsCarryingValue_1578" order="16.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CarryingValueDisclosureAbstract" xlink:label="Locator_ofg_CarryingValueDisclosureAbstract_1545" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_1546" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CarryingValueDisclosureAbstract_1545" xlink:to="Locator_us-gaap_LiabilitiesAbstract_1546" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_1579" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_1580" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_1579" xlink:to="Locator_us-gaap_Deposits_1580" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_1581" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase" xlink:label="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_1582" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_1581" xlink:to="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_1582" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_1583" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesLongTerm" xlink:label="Locator_us-gaap_FederalHomeLoanBankAdvancesLongTerm_1584" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_1583" xlink:to="Locator_us-gaap_FederalHomeLoanBankAdvancesLongTerm_1584" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_1585" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalFundsPurchased" xlink:label="Locator_us-gaap_FederalFundsPurchased_1586" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_1585" xlink:to="Locator_us-gaap_FederalFundsPurchased_1586" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_1587" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherNotesPayable" xlink:label="Locator_us-gaap_OtherNotesPayable_1588" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_1587" xlink:to="Locator_us-gaap_OtherNotesPayable_1588" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_1589" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubordinatedDebt" xlink:label="Locator_us-gaap_SubordinatedDebt_1590" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_1589" xlink:to="Locator_us-gaap_SubordinatedDebt_1590" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_1591" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherShortTermBorrowings" xlink:label="Locator_us-gaap_OtherShortTermBorrowings_1592" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_1591" xlink:to="Locator_us-gaap_OtherShortTermBorrowings_1592" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_1593" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SecuritiesPurchasedButNotReceived" xlink:label="Locator_ofg_SecuritiesPurchasedButNotReceived_1594" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_1593" xlink:to="Locator_ofg_SecuritiesPurchasedButNotReceived_1594" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_1595" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccruedLiabilitiesCurrentAndNoncurrent" xlink:label="Locator_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_1596" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_1595" xlink:to="Locator_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_1596" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_1597" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeLiabilitiesCarryingAmount" xlink:label="Locator_ofg_DerivativeLiabilitiesCarryingAmount_1598" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_1597" xlink:to="Locator_ofg_DerivativeLiabilitiesCarryingAmount_1598" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1735" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1736" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1735" xlink:to="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1736" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="Locator_us-gaap_FairValueDisclosuresAbstract_1599" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1600" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueDisclosuresAbstract_1599" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1600" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/InvestmentSecuritiesNarrativeDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_1825" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1826" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeAxis_1825" xlink:to="Locator_us-gaap_InvestmentTypeCategorizationMember_1826" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1827" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FnmaAndFhlmcMember" xlink:label="Locator_ofg_FnmaAndFhlmcMember_1828" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1827" xlink:to="Locator_ofg_FnmaAndFhlmcMember_1828" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1829" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember" xlink:label="Locator_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_1830" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1829" xlink:to="Locator_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_1830" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1831" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ObligationsOfPuertoRicoGovernmentAndPoliticalSubdivisionsMember" xlink:label="Locator_ofg_ObligationsOfPuertoRicoGovernmentAndPoliticalSubdivisionsMember_1832" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1831" xlink:to="Locator_ofg_ObligationsOfPuertoRicoGovernmentAndPoliticalSubdivisionsMember_1832" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1745" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesHeldAsCollateralAtFairValue" xlink:label="Locator_us-gaap_SecuritiesHeldAsCollateralAtFairValue_1746" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1745" xlink:to="Locator_us-gaap_SecuritiesHeldAsCollateralAtFairValue_1746" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1747" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_VariableRateDemandObligation" xlink:label="Locator_ofg_VariableRateDemandObligation_1748" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1747" xlink:to="Locator_ofg_VariableRateDemandObligation_1748" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1749" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentsGuaranteedByUsTreasuryAndSponsoredAgenciesinUnrealizedLossPosition" xlink:label="Locator_ofg_InvestmentsGuaranteedByUsTreasuryAndSponsoredAgenciesinUnrealizedLossPosition_1750" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1749" xlink:to="Locator_ofg_InvestmentsGuaranteedByUsTreasuryAndSponsoredAgenciesinUnrealizedLossPosition_1750" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1751" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentsGuaranteedByPuertoRicoGovernmentAndItsPoliticalSubdivisionsInUnrealizedLossOnPosition" xlink:label="Locator_ofg_InvestmentsGuaranteedByPuertoRicoGovernmentAndItsPoliticalSubdivisionsInUnrealizedLossOnPosition_1752" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1751" xlink:to="Locator_ofg_InvestmentsGuaranteedByPuertoRicoGovernmentAndItsPoliticalSubdivisionsInUnrealizedLossOnPosition_1752" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1753" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Investmentsguaranteedbyustreasuryandsponsoredagenciesinunrealizedlosspositionpercentagetototalinvestmentinunrealizedlossposition" xlink:label="Locator_ofg_Investmentsguaranteedbyustreasuryandsponsoredagenciesinunrealizedlosspositionpercentagetototalinvestmentinunrealizedlossposition_1754" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1753" xlink:to="Locator_ofg_Investmentsguaranteedbyustreasuryandsponsoredagenciesinunrealizedlosspositionpercentagetototalinvestmentinunrealizedlossposition_1754" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1755" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentsGuaranteedByPuertoRicoGovernmentAndItsPoliticalSubdivisionsInUnrealizedLossPositionPercentageToTotalInvestmentInUnrealizedLossPosition" xlink:label="Locator_ofg_InvestmentsGuaranteedByPuertoRicoGovernmentAndItsPoliticalSubdivisionsInUnrealizedLossPositionPercentageToTotalInvestmentInUnrealizedLossPosition_1756" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1755" xlink:to="Locator_ofg_InvestmentsGuaranteedByPuertoRicoGovernmentAndItsPoliticalSubdivisionsInUnrealizedLossPositionPercentageToTotalInvestmentInUnrealizedLossPosition_1756" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1757" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MinimumGovernmentBondProbabilityOfDefault" xlink:label="Locator_ofg_MinimumGovernmentBondProbabilityOfDefault_1758" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1757" xlink:to="Locator_ofg_MinimumGovernmentBondProbabilityOfDefault_1758" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1759" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MaximumGovernmentbondProbabilityOfDefault" xlink:label="Locator_ofg_MaximumGovernmentbondProbabilityOfDefault_1760" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1759" xlink:to="Locator_ofg_MaximumGovernmentbondProbabilityOfDefault_1760" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1761" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MinimumGovernmentBondRecoveryRate" xlink:label="Locator_ofg_MinimumGovernmentBondRecoveryRate_1762" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1761" xlink:to="Locator_ofg_MinimumGovernmentBondRecoveryRate_1762" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1763" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MaximumGovernmentBondRecoveryRate" xlink:label="Locator_ofg_MaximumGovernmentBondRecoveryRate_1764" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1763" xlink:to="Locator_ofg_MaximumGovernmentBondRecoveryRate_1764" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1765" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GovernmentBondRecoveryrate" xlink:label="Locator_ofg_GovernmentBondRecoveryrate_1766" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1765" xlink:to="Locator_ofg_GovernmentBondRecoveryrate_1766" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1767" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MoneyMarketFundsAtCarryingValue" xlink:label="Locator_us-gaap_MoneyMarketFundsAtCarryingValue_1768" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1767" xlink:to="Locator_us-gaap_MoneyMarketFundsAtCarryingValue_1768" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1769" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Securitizedgnmapoolsretained" xlink:label="Locator_ofg_Securitizedgnmapoolsretained_1770" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1769" xlink:to="Locator_ofg_Securitizedgnmapoolsretained_1770" order="13.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1771" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SecuritizedGnmaPoolYieldRetained" xlink:label="Locator_ofg_SecuritizedGnmaPoolYieldRetained_1772" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1771" xlink:to="Locator_ofg_SecuritizedGnmaPoolYieldRetained_1772" order="14.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1775" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SaleOfSecurities" xlink:label="Locator_ofg_SaleOfSecurities_1776" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1775" xlink:to="Locator_ofg_SaleOfSecurities_1776" order="16.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1777" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld_1778" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1777" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld_1778" order="17.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1779" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Investmentsguaranteedbylocalgovernmentanditspoliticalsubdivisionsinunrealizedlossonpositionwithdefaultprobabilityprincipal" xlink:label="Locator_ofg_Investmentsguaranteedbylocalgovernmentanditspoliticalsubdivisionsinunrealizedlossonpositionwithdefaultprobabilityprincipal_1780" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1779" xlink:to="Locator_ofg_Investmentsguaranteedbylocalgovernmentanditspoliticalsubdivisionsinunrealizedlossonpositionwithdefaultprobabilityprincipal_1780" order="18.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1781" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentsGuaranteedByLocalGovernmentAndItsPoliticalSubdivisionsInUnrealizedLossOnPositionWithCumulativeDefaultProbabilityFairValue" xlink:label="Locator_ofg_InvestmentsGuaranteedByLocalGovernmentAndItsPoliticalSubdivisionsInUnrealizedLossOnPositionWithCumulativeDefaultProbabilityFairValue_1782" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1781" xlink:to="Locator_ofg_InvestmentsGuaranteedByLocalGovernmentAndItsPoliticalSubdivisionsInUnrealizedLossOnPositionWithCumulativeDefaultProbabilityFairValue_1782" order="19.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1783" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentsGuaranteedByLocalGovernmentAndItsPoliticalSubdivisionsInUnrealizedLossPositionWithCumulativeDefaultProbabilityPercentagetototal" xlink:label="Locator_ofg_InvestmentsGuaranteedByLocalGovernmentAndItsPoliticalSubdivisionsInUnrealizedLossPositionWithCumulativeDefaultProbabilityPercentagetototal_1784" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1783" xlink:to="Locator_ofg_InvestmentsGuaranteedByLocalGovernmentAndItsPoliticalSubdivisionsInUnrealizedLossPositionWithCumulativeDefaultProbabilityPercentagetototal_1784" order="20.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1785" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Investmentsguaranteedbylocalgovernmentanditspoliticalsubdivisionsinunrealizedlosspositionwithcumulativedefaultpercentageatmaturity" xlink:label="Locator_ofg_Investmentsguaranteedbylocalgovernmentanditspoliticalsubdivisionsinunrealizedlosspositionwithcumulativedefaultpercentageatmaturity_1786" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1785" xlink:to="Locator_ofg_Investmentsguaranteedbylocalgovernmentanditspoliticalsubdivisionsinunrealizedlosspositionwithcumulativedefaultpercentageatmaturity_1786" order="21.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1787" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GovernmentInvestmentwithDefaultProbabilityPaymentReceived" xlink:label="Locator_ofg_GovernmentInvestmentwithDefaultProbabilityPaymentReceived_1788" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1787" xlink:to="Locator_ofg_GovernmentInvestmentwithDefaultProbabilityPaymentReceived_1788" order="22.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1773" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1774" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1773" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1774" order="15.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1813" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1814" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1813" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1814" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1789" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AvailableForSaleSecuritiesSoldBookValue" xlink:label="Locator_ofg_AvailableForSaleSecuritiesSoldBookValue_1790" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1789" xlink:to="Locator_ofg_AvailableForSaleSecuritiesSoldBookValue_1790" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1817" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_1818" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1817" xlink:to="Locator_us-gaap_InvestmentTypeAxis_1818" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1815" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentSecuritiesClassAxis" xlink:label="Locator_invest_InvestmentSecuritiesClassAxis_1816" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1815" xlink:to="Locator_invest_InvestmentSecuritiesClassAxis_1816" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentSecuritiesClassAxis" xlink:label="Locator_invest_InvestmentSecuritiesClassAxis_1819" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1820" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_invest_InvestmentSecuritiesClassAxis_1819" xlink:to="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1820" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1821" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgageBackedSecuritiesMember" xlink:label="Locator_us-gaap_MortgageBackedSecuritiesMember_1822" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1821" xlink:to="Locator_us-gaap_MortgageBackedSecuritiesMember_1822" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1823" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesInvestmentMember" xlink:label="Locator_us-gaap_SecuritiesInvestmentMember_1824" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1823" xlink:to="Locator_us-gaap_SecuritiesInvestmentMember_1824" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/InvestmentSecuritiesInvestmentSecuritiesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_1947" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1948" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeAxis_1947" xlink:to="Locator_us-gaap_InvestmentTypeCategorizationMember_1948" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1959" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:label="Locator_us-gaap_USStatesAndPoliticalSubdivisionsMember_1960" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1959" xlink:to="Locator_us-gaap_USStatesAndPoliticalSubdivisionsMember_1960" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1961" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:label="Locator_us-gaap_OtherDebtSecuritiesMember_1962" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1961" xlink:to="Locator_us-gaap_OtherDebtSecuritiesMember_1962" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1949" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FnmaAndFhlmcMember" xlink:label="Locator_ofg_FnmaAndFhlmcMember_1950" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1949" xlink:to="Locator_ofg_FnmaAndFhlmcMember_1950" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1951" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember" xlink:label="Locator_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_1952" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1951" xlink:to="Locator_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_1952" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1953" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CollateralizedMortgageObligationsMember" xlink:label="Locator_us-gaap_CollateralizedMortgageObligationsMember_1954" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1953" xlink:to="Locator_us-gaap_CollateralizedMortgageObligationsMember_1954" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1957" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" xlink:label="Locator_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_1958" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1957" xlink:to="Locator_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_1958" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_1955" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USTreasurySecuritiesMember" xlink:label="Locator_us-gaap_USTreasurySecuritiesMember_1956" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_1955" xlink:to="Locator_us-gaap_USTreasurySecuritiesMember_1956" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1865" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1866" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1865" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1866" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1941" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1942" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1941" xlink:to="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1942" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1835" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAoci" xlink:label="Locator_ofg_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAoci_1836" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1835" xlink:to="Locator_ofg_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAoci_1836" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1837" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAoci" xlink:label="Locator_ofg_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAoci_1838" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1837" xlink:to="Locator_ofg_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAoci_1838" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1841" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AvailableForSaleSecuritiesWeightedAverageYield" xlink:label="Locator_ofg_AvailableForSaleSecuritiesWeightedAverageYield_1842" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1841" xlink:to="Locator_ofg_AvailableForSaleSecuritiesWeightedAverageYield_1842" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1845" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_HeldToMaturitySecuritiesUnrecognizedGains" xlink:label="Locator_ofg_HeldToMaturitySecuritiesUnrecognizedGains_1846" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1845" xlink:to="Locator_ofg_HeldToMaturitySecuritiesUnrecognizedGains_1846" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1847" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_HeldToMaturitySecuritiesUnrecognizedLoss" xlink:label="Locator_ofg_HeldToMaturitySecuritiesUnrecognizedLoss_1848" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1847" xlink:to="Locator_ofg_HeldToMaturitySecuritiesUnrecognizedLoss_1848" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1851" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Heldtomaturitysecuritiesdebtmaturitiesaverageyield" xlink:label="Locator_ofg_Heldtomaturitysecuritiesdebtmaturitiesaverageyield_1852" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1851" xlink:to="Locator_ofg_Heldtomaturitysecuritiesdebtmaturitiesaverageyield_1852" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1853" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Marketablesecuritiesamortizedcost" xlink:label="Locator_ofg_Marketablesecuritiesamortizedcost_1854" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1853" xlink:to="Locator_ofg_Marketablesecuritiesamortizedcost_1854" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1855" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MarketableSecuritiesGrossUnrealizedGain" xlink:label="Locator_ofg_MarketableSecuritiesGrossUnrealizedGain_1856" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1855" xlink:to="Locator_ofg_MarketableSecuritiesGrossUnrealizedGain_1856" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1857" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MarketableSecuritiesGrossUnrealizedLosses" xlink:label="Locator_ofg_MarketableSecuritiesGrossUnrealizedLosses_1858" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1857" xlink:to="Locator_ofg_MarketableSecuritiesGrossUnrealizedLosses_1858" order="13.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1859" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MarketableSecurities" xlink:label="Locator_us-gaap_MarketableSecurities_1860" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1859" xlink:to="Locator_us-gaap_MarketableSecurities_1860" order="14.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1861" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MarketableSecuritiesWeightedAverageYield" xlink:label="Locator_ofg_MarketableSecuritiesWeightedAverageYield_1862" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1861" xlink:to="Locator_ofg_MarketableSecuritiesWeightedAverageYield_1862" order="15.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1833" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesAmortizedCost_1834" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1833" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesAmortizedCost_1834" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1839" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecurities_1840" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1839" xlink:to="Locator_us-gaap_AvailableForSaleSecurities_1840" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1843" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment_1844" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1843" xlink:to="Locator_us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment_1844" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1849" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesFairValue_1850" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1849" xlink:to="Locator_us-gaap_HeldToMaturitySecuritiesFairValue_1850" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1945" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_1946" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1945" xlink:to="Locator_us-gaap_InvestmentTypeAxis_1946" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1943" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentSecuritiesClassAxis" xlink:label="Locator_invest_InvestmentSecuritiesClassAxis_1944" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1943" xlink:to="Locator_invest_InvestmentSecuritiesClassAxis_1944" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentSecuritiesClassAxis" xlink:label="Locator_invest_InvestmentSecuritiesClassAxis_1967" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1968" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_invest_InvestmentSecuritiesClassAxis_1967" xlink:to="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1968" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1963" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgageBackedSecuritiesMember" xlink:label="Locator_us-gaap_MortgageBackedSecuritiesMember_1964" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1963" xlink:to="Locator_us-gaap_MortgageBackedSecuritiesMember_1964" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1965" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesInvestmentMember" xlink:label="Locator_us-gaap_SecuritiesInvestmentMember_1966" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1965" xlink:to="Locator_us-gaap_SecuritiesInvestmentMember_1966" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/InvestmentSecuritiesInvestmentSecuritiesByContractualMaturityDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_2037" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2038" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeAxis_2037" xlink:to="Locator_us-gaap_InvestmentTypeCategorizationMember_2038" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2049" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:label="Locator_us-gaap_USStatesAndPoliticalSubdivisionsMember_2050" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_2049" xlink:to="Locator_us-gaap_USStatesAndPoliticalSubdivisionsMember_2050" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2051" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:label="Locator_us-gaap_OtherDebtSecuritiesMember_2052" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_2051" xlink:to="Locator_us-gaap_OtherDebtSecuritiesMember_2052" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2039" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FnmaAndFhlmcMember" xlink:label="Locator_ofg_FnmaAndFhlmcMember_2040" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_2039" xlink:to="Locator_ofg_FnmaAndFhlmcMember_2040" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2041" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember" xlink:label="Locator_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_2042" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_2041" xlink:to="Locator_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_2042" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2043" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CollateralizedMortgageObligationsMember" xlink:label="Locator_us-gaap_CollateralizedMortgageObligationsMember_2044" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_2043" xlink:to="Locator_us-gaap_CollateralizedMortgageObligationsMember_2044" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2047" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" xlink:label="Locator_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_2048" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_2047" xlink:to="Locator_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_2048" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2045" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USTreasurySecuritiesMember" xlink:label="Locator_us-gaap_USTreasurySecuritiesMember_2046" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_2045" xlink:to="Locator_us-gaap_USTreasurySecuritiesMember_2046" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1979" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1980" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1979" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1980" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2029" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_2030" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2029" xlink:to="Locator_us-gaap_ScheduleOfInvestmentsLineItems_2030" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1969" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesAmortizedCost_1970" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1969" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesAmortizedCost_1970" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1971" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecurities_1972" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1971" xlink:to="Locator_us-gaap_AvailableForSaleSecurities_1972" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1973" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment_1974" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1973" xlink:to="Locator_us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment_1974" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1975" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesFairValue_1976" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfInvestmentsLineItems_1975" xlink:to="Locator_us-gaap_HeldToMaturitySecuritiesFairValue_1976" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2033" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ContractualMaturityAxis" xlink:label="Locator_ofg_ContractualMaturityAxis_2034" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2033" xlink:to="Locator_ofg_ContractualMaturityAxis_2034" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ContractualMaturityAxis" xlink:label="Locator_ofg_ContractualMaturityAxis_2053" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ContractualMaturityDomain" xlink:label="Locator_ofg_ContractualMaturityDomain_2054" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ContractualMaturityAxis_2053" xlink:to="Locator_ofg_ContractualMaturityDomain_2054" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ContractualMaturityDomain" xlink:label="Locator_ofg_ContractualMaturityDomain_2055" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MaturitiesDueInLessThanOneYearMember" xlink:label="Locator_ofg_MaturitiesDueInLessThanOneYearMember_2056" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ContractualMaturityDomain_2055" xlink:to="Locator_ofg_MaturitiesDueInLessThanOneYearMember_2056" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ContractualMaturityDomain" xlink:label="Locator_ofg_ContractualMaturityDomain_2057" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MaturitiesDueFromOneToFiveYearsMember" xlink:label="Locator_ofg_MaturitiesDueFromOneToFiveYearsMember_2058" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ContractualMaturityDomain_2057" xlink:to="Locator_ofg_MaturitiesDueFromOneToFiveYearsMember_2058" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ContractualMaturityDomain" xlink:label="Locator_ofg_ContractualMaturityDomain_2059" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MaturitiesDueFromFiveToTenYearsMember" xlink:label="Locator_ofg_MaturitiesDueFromFiveToTenYearsMember_2060" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ContractualMaturityDomain_2059" xlink:to="Locator_ofg_MaturitiesDueFromFiveToTenYearsMember_2060" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ContractualMaturityDomain" xlink:label="Locator_ofg_ContractualMaturityDomain_2061" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MaturitiesDueAfterTenYearsMember" xlink:label="Locator_ofg_MaturitiesDueAfterTenYearsMember_2062" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ContractualMaturityDomain_2061" xlink:to="Locator_ofg_MaturitiesDueAfterTenYearsMember_2062" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2035" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_2036" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2035" xlink:to="Locator_us-gaap_InvestmentTypeAxis_2036" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2031" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentSecuritiesClassAxis" xlink:label="Locator_invest_InvestmentSecuritiesClassAxis_2032" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2031" xlink:to="Locator_invest_InvestmentSecuritiesClassAxis_2032" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentSecuritiesClassAxis" xlink:label="Locator_invest_InvestmentSecuritiesClassAxis_2067" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2068" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_invest_InvestmentSecuritiesClassAxis_2067" xlink:to="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2068" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2063" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgageBackedSecuritiesMember" xlink:label="Locator_us-gaap_MortgageBackedSecuritiesMember_2064" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2063" xlink:to="Locator_us-gaap_MortgageBackedSecuritiesMember_2064" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2065" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesInvestmentMember" xlink:label="Locator_us-gaap_SecuritiesInvestmentMember_2066" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2065" xlink:to="Locator_us-gaap_SecuritiesInvestmentMember_2066" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/InvestmentSecuritiesGrossRealizeGainsAndLossesByCategoryDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_2123" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2124" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeAxis_2123" xlink:to="Locator_us-gaap_InvestmentTypeCategorizationMember_2124" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2125" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FnmaAndFhlmcMember" xlink:label="Locator_ofg_FnmaAndFhlmcMember_2126" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_2125" xlink:to="Locator_ofg_FnmaAndFhlmcMember_2126" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2127" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember" xlink:label="Locator_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_2128" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_2127" xlink:to="Locator_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_2128" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2129" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CollateralizedMortgageObligationsMember" xlink:label="Locator_us-gaap_CollateralizedMortgageObligationsMember_2130" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_2129" xlink:to="Locator_us-gaap_CollateralizedMortgageObligationsMember_2130" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2131" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" xlink:label="Locator_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_2132" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_2131" xlink:to="Locator_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_2132" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2133" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USTreasurySecuritiesMember" xlink:label="Locator_us-gaap_USTreasurySecuritiesMember_2134" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_2133" xlink:to="Locator_us-gaap_USTreasurySecuritiesMember_2134" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2135" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ObligationsOfPuertoRicoGovernmentAndPoliticalSubdivisionsMember" xlink:label="Locator_ofg_ObligationsOfPuertoRicoGovernmentAndPoliticalSubdivisionsMember_2136" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_2135" xlink:to="Locator_ofg_ObligationsOfPuertoRicoGovernmentAndPoliticalSubdivisionsMember_2136" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2137" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StructuredFinanceMember" xlink:label="Locator_us-gaap_StructuredFinanceMember_2138" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_2137" xlink:to="Locator_us-gaap_StructuredFinanceMember_2138" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_2139" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgageBackedSecuritiesOtherMember" xlink:label="Locator_us-gaap_MortgageBackedSecuritiesOtherMember_2140" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_2139" xlink:to="Locator_us-gaap_MortgageBackedSecuritiesOtherMember_2140" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_2079" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2080" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_2079" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2080" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2117" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2118" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2117" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2118" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2069" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:label="Locator_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_2070" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2069" xlink:to="Locator_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_2070" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2071" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AvailableForSaleSecuritiesSoldBookValue" xlink:label="Locator_ofg_AvailableForSaleSecuritiesSoldBookValue_2072" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2071" xlink:to="Locator_ofg_AvailableForSaleSecuritiesSoldBookValue_2072" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2073" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedGains" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains_2074" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2073" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains_2074" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2075" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses_2076" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2075" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses_2076" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2121" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_2122" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2121" xlink:to="Locator_us-gaap_InvestmentTypeAxis_2122" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2119" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentSecuritiesClassAxis" xlink:label="Locator_invest_InvestmentSecuritiesClassAxis_2120" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2119" xlink:to="Locator_invest_InvestmentSecuritiesClassAxis_2120" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentSecuritiesClassAxis" xlink:label="Locator_invest_InvestmentSecuritiesClassAxis_2145" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2146" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_invest_InvestmentSecuritiesClassAxis_2145" xlink:to="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2146" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2141" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgageBackedSecuritiesMember" xlink:label="Locator_us-gaap_MortgageBackedSecuritiesMember_2142" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2141" xlink:to="Locator_us-gaap_MortgageBackedSecuritiesMember_2142" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2143" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesInvestmentMember" xlink:label="Locator_us-gaap_SecuritiesInvestmentMember_2144" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2143" xlink:to="Locator_us-gaap_SecuritiesInvestmentMember_2144" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/InvestmentSecuritiesGainsAndLossesByCategoryDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2341" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems" xlink:label="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2342" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2341" xlink:to="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2342" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems" xlink:label="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2147" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAmortizedCostAbstract" xlink:label="Locator_ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAmortizedCostAbstract_2148" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2147" xlink:to="Locator_ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAmortizedCostAbstract_2148" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAmortizedCostAbstract" xlink:label="Locator_ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAmortizedCostAbstract_2171" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAmortizedCost" xlink:label="Locator_ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAmortizedCost_2172" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAmortizedCostAbstract_2171" xlink:to="Locator_ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAmortizedCost_2172" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAmortizedCostAbstract" xlink:label="Locator_ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAmortizedCostAbstract_2173" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AvailableforsalesecuritiesContinuousUnrealizedLossPosition12MonthsorLongerAmortizedCost" xlink:label="Locator_ofg_AvailableforsalesecuritiesContinuousUnrealizedLossPosition12MonthsorLongerAmortizedCost_2174" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAmortizedCostAbstract_2173" xlink:to="Locator_ofg_AvailableforsalesecuritiesContinuousUnrealizedLossPosition12MonthsorLongerAmortizedCost_2174" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAmortizedCostAbstract" xlink:label="Locator_ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAmortizedCostAbstract_2175" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAmortizedCost" xlink:label="Locator_ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAmortizedCost_2176" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAmortizedCostAbstract_2175" xlink:to="Locator_ofg_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAmortizedCost_2176" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems" xlink:label="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2149" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2150" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2149" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2150" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2177" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AvailableForSaleUnrealizedLossLessThan12Month" xlink:label="Locator_ofg_AvailableForSaleUnrealizedLossLessThan12Month_2178" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2177" xlink:to="Locator_ofg_AvailableForSaleUnrealizedLossLessThan12Month_2178" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2179" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AvailableForSaleUnrealizedLossMoreThan12Month" xlink:label="Locator_ofg_AvailableForSaleUnrealizedLossMoreThan12Month_2180" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2179" xlink:to="Locator_ofg_AvailableForSaleUnrealizedLossMoreThan12Month_2180" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2181" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TotalAvailableForSaleUnrealizedLoss" xlink:label="Locator_ofg_TotalAvailableForSaleUnrealizedLoss_2182" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2181" xlink:to="Locator_ofg_TotalAvailableForSaleUnrealizedLoss_2182" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems" xlink:label="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2151" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2152" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2151" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2152" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2183" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_2184" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2183" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_2184" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2185" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_2186" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2185" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_2186" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2187" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_2188" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2187" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_2188" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems" xlink:label="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2153" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ContinuousUnrealizedLossPositionAmortizedCostAbstract1Abstract" xlink:label="Locator_ofg_ContinuousUnrealizedLossPositionAmortizedCostAbstract1Abstract_2154" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2153" xlink:to="Locator_ofg_ContinuousUnrealizedLossPositionAmortizedCostAbstract1Abstract_2154" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ContinuousUnrealizedLossPositionAmortizedCostAbstract1Abstract" xlink:label="Locator_ofg_ContinuousUnrealizedLossPositionAmortizedCostAbstract1Abstract_2189" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLessAmortizedCost" xlink:label="Locator_ofg_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLessAmortizedCost_2190" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ContinuousUnrealizedLossPositionAmortizedCostAbstract1Abstract_2189" xlink:to="Locator_ofg_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLessAmortizedCost_2190" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ContinuousUnrealizedLossPositionAmortizedCostAbstract1Abstract" xlink:label="Locator_ofg_ContinuousUnrealizedLossPositionAmortizedCostAbstract1Abstract_2191" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_HeldtomaturitysecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAmortizedCost" xlink:label="Locator_ofg_HeldtomaturitysecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAmortizedCost_2192" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ContinuousUnrealizedLossPositionAmortizedCostAbstract1Abstract_2191" xlink:to="Locator_ofg_HeldtomaturitysecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAmortizedCost_2192" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ContinuousUnrealizedLossPositionAmortizedCostAbstract1Abstract" xlink:label="Locator_ofg_ContinuousUnrealizedLossPositionAmortizedCostAbstract1Abstract_2193" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAmortizedCost" xlink:label="Locator_ofg_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAmortizedCost_2194" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ContinuousUnrealizedLossPositionAmortizedCostAbstract1Abstract_2193" xlink:to="Locator_ofg_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAmortizedCost_2194" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems" xlink:label="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2155" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2156" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2155" xlink:to="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2156" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2163" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_2164" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2163" xlink:to="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_2164" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2165" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_2166" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2165" xlink:to="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_2166" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2167" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss_2168" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2167" xlink:to="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss_2168" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems" xlink:label="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2157" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2158" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2157" xlink:to="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2158" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2195" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_2196" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2195" xlink:to="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_2196" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2197" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_2198" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2197" xlink:to="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_2198" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2199" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_2200" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2199" xlink:to="Locator_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_2200" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems" xlink:label="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2159" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2160" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_2159" xlink:to="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2160" order="7.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2201" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentsecuritiesContinuousUnrealizedLossPositionAmortizedCostLessThanTwelveMonth" xlink:label="Locator_ofg_InvestmentsecuritiesContinuousUnrealizedLossPositionAmortizedCostLessThanTwelveMonth_2202" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2201" xlink:to="Locator_ofg_InvestmentsecuritiesContinuousUnrealizedLossPositionAmortizedCostLessThanTwelveMonth_2202" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2203" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAmortizedCostMoreThanTwelveMonth" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAmortizedCostMoreThanTwelveMonth_2204" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2203" xlink:to="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAmortizedCostMoreThanTwelveMonth_2204" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2205" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAmortizedCost" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAmortizedCost_2206" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2205" xlink:to="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAmortizedCost_2206" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2207" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAggregateLossesLessThanTwelveMonth" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAggregateLossesLessThanTwelveMonth_2208" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2207" xlink:to="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAggregateLossesLessThanTwelveMonth_2208" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2209" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAggregateLossesMoreThanTwelveMonth" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAggregateLossesMoreThanTwelveMonth_2210" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2209" xlink:to="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAggregateLossesMoreThanTwelveMonth_2210" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2211" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAggregateLosses" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAggregateLosses_2212" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2211" xlink:to="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAggregateLosses_2212" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2213" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValueLessThanTwelveMonth" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValueLessThanTwelveMonth_2214" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2213" xlink:to="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValueLessThanTwelveMonth_2214" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2215" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValueMoreThanTwelveMonth" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValueMoreThanTwelveMonth_2216" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2215" xlink:to="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValueMoreThanTwelveMonth_2216" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2217" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue_2218" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionAbstract_2217" xlink:to="Locator_ofg_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue_2218" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2343" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentSecuritiesClassAxis" xlink:label="Locator_invest_InvestmentSecuritiesClassAxis_2344" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2343" xlink:to="Locator_invest_InvestmentSecuritiesClassAxis_2344" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentSecuritiesClassAxis" xlink:label="Locator_invest_InvestmentSecuritiesClassAxis_2359" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2360" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_invest_InvestmentSecuritiesClassAxis_2359" xlink:to="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2360" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2345" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CollateralizedMortgageObligationsMember" xlink:label="Locator_us-gaap_CollateralizedMortgageObligationsMember_2346" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2345" xlink:to="Locator_us-gaap_CollateralizedMortgageObligationsMember_2346" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2347" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:label="Locator_us-gaap_USStatesAndPoliticalSubdivisionsMember_2348" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2347" xlink:to="Locator_us-gaap_USStatesAndPoliticalSubdivisionsMember_2348" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2349" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FnmaAndFhlmcMember" xlink:label="Locator_ofg_FnmaAndFhlmcMember_2350" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2349" xlink:to="Locator_ofg_FnmaAndFhlmcMember_2350" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2351" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember" xlink:label="Locator_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_2352" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2351" xlink:to="Locator_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_2352" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2353" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" xlink:label="Locator_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_2354" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2353" xlink:to="Locator_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_2354" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2355" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USTreasurySecuritiesMember" xlink:label="Locator_us-gaap_USTreasurySecuritiesMember_2356" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2355" xlink:to="Locator_us-gaap_USTreasurySecuritiesMember_2356" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2357" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:label="Locator_us-gaap_OtherDebtSecuritiesMember_2358" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2357" xlink:to="Locator_us-gaap_OtherDebtSecuritiesMember_2358" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MarketableSecuritiesAbstract" xlink:label="Locator_us-gaap_MarketableSecuritiesAbstract_2169" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2170" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MarketableSecuritiesAbstract_2169" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2170" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivableTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2361" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_2362" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2361" xlink:to="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_2362" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2363" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:label="Locator_us-gaap_PastDueFinancingReceivablesTableTextBlock_2364" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2363" xlink:to="Locator_us-gaap_PastDueFinancingReceivablesTableTextBlock_2364" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2365" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CarryingAmountsOfAcquiredLoansTabularDisclosureTableTextBlock" xlink:label="Locator_ofg_CarryingAmountsOfAcquiredLoansTabularDisclosureTableTextBlock_2366" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2365" xlink:to="Locator_ofg_CarryingAmountsOfAcquiredLoansTabularDisclosureTableTextBlock_2366" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2367" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccretableYieldForAcquiredLoansTableTextBlock" xlink:label="Locator_ofg_AccretableYieldForAcquiredLoansTableTextBlock_2368" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2367" xlink:to="Locator_ofg_AccretableYieldForAcquiredLoansTableTextBlock_2368" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2369" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FDICAssistedAcquisitionLoansCarryingAmountTableTextBlock" xlink:label="Locator_ofg_FDICAssistedAcquisitionLoansCarryingAmountTableTextBlock_2370" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2369" xlink:to="Locator_ofg_FDICAssistedAcquisitionLoansCarryingAmountTableTextBlock_2370" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2371" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccretableYieldForFDICAssistedAcquiredLoansTableTextBlock" xlink:label="Locator_ofg_AccretableYieldForFDICAssistedAcquiredLoansTableTextBlock_2372" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2371" xlink:to="Locator_ofg_AccretableYieldForFDICAssistedAcquiredLoansTableTextBlock_2372" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2373" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_2374" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2373" xlink:to="Locator_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_2374" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2375" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:label="Locator_us-gaap_ImpairedFinancingReceivablesTableTextBlock_2376" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2375" xlink:to="Locator_us-gaap_ImpairedFinancingReceivablesTableTextBlock_2376" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2377" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ImpairedFinancingReceivablesLoansExcludingAsc31030TableTextBlock" xlink:label="Locator_ofg_ImpairedFinancingReceivablesLoansExcludingAsc31030TableTextBlock_2378" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2377" xlink:to="Locator_ofg_ImpairedFinancingReceivablesLoansExcludingAsc31030TableTextBlock_2378" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2379" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:label="Locator_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_2380" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2379" xlink:to="Locator_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_2380" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2381" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:label="Locator_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_2382" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2381" xlink:to="Locator_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_2382" order="11.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivableCompositionOfLoanPortfolioDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2383" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_2384" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2383" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_2384" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2385" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableAllowance_2386" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2385" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableAllowance_2386" order="2.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2387" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_2388" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2387" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_2388" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2389" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DeferredLoanCostFeesNet" xlink:label="Locator_ofg_DeferredLoanCostFeesNet_2390" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2389" xlink:to="Locator_ofg_DeferredLoanCostFeesNet_2390" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2391" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_2392" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2391" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_2392" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2393" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroupMortgage" xlink:label="Locator_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroupMortgage_2394" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2393" xlink:to="Locator_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroupMortgage_2394" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2395" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroupOther" xlink:label="Locator_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroupOther_2396" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2395" xlink:to="Locator_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroupOther_2396" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2397" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCovered" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCovered_2398" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2397" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCovered_2398" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2399" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2400" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2399" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCoveredAbstract_2400" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_2517" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_2518" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_2517" xlink:to="Locator_us-gaap_ReceivableTypeDomain_2518" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_2491" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredLoanMember" xlink:label="Locator_ofg_NonAcquiredLoanMember_2492" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_2491" xlink:to="Locator_ofg_NonAcquiredLoanMember_2492" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_2493" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansMember" xlink:label="Locator_ofg_AcquiredLoansMember_2494" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_2493" xlink:to="Locator_ofg_AcquiredLoansMember_2494" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_2403" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2404" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_2403" xlink:to="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2404" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2483" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2484" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2483" xlink:to="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2484" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2485" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_2486" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2485" xlink:to="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_2486" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2487" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_2488" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2487" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_2488" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_2519" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_2520" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_2519" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_2520" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_2521" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredBbvaprLoansMember" xlink:label="Locator_ofg_AcquiredBbvaprLoansMember_2522" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_2521" xlink:to="Locator_ofg_AcquiredBbvaprLoansMember_2522" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredBbvaprLoansMember" xlink:label="Locator_ofg_AcquiredBbvaprLoansMember_2525" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedForUnderAsc31020Member" xlink:label="Locator_ofg_AccountedForUnderAsc31020Member_2526" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AcquiredBbvaprLoansMember_2525" xlink:to="Locator_ofg_AccountedForUnderAsc31020Member_2526" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredBbvaprLoansMember" xlink:label="Locator_ofg_AcquiredBbvaprLoansMember_2527" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedForUnderAsc31030Member" xlink:label="Locator_ofg_AccountedForUnderAsc31030Member_2528" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AcquiredBbvaprLoansMember_2527" xlink:to="Locator_ofg_AccountedForUnderAsc31030Member_2528" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_2523" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansInFDICAssistedTransactionMember" xlink:label="Locator_ofg_AcquiredLoansInFDICAssistedTransactionMember_2524" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_2523" xlink:to="Locator_ofg_AcquiredLoansInFDICAssistedTransactionMember_2524" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2489" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2490" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2489" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2490" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2495" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2496" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2495" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2496" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2515" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LeaseAgreementsMember" xlink:label="Locator_us-gaap_LeaseAgreementsMember_2516" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2515" xlink:to="Locator_us-gaap_LeaseAgreementsMember_2516" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2507" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConstructionLoansMember" xlink:label="Locator_us-gaap_ConstructionLoansMember_2508" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2507" xlink:to="Locator_us-gaap_ConstructionLoansMember_2508" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2511" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConstructionAndDevelopmentSecuredByFamilyPropertiesMember" xlink:label="Locator_ofg_ConstructionAndDevelopmentSecuredByFamilyPropertiesMember_2512" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2511" xlink:to="Locator_ofg_ConstructionAndDevelopmentSecuredByFamilyPropertiesMember_2512" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2497" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_2498" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2497" xlink:to="Locator_us-gaap_MortgagesMember_2498" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2499" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_2500" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2499" xlink:to="Locator_us-gaap_CommercialLoanMember_2500" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2501" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_2502" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2501" xlink:to="Locator_us-gaap_ConsumerLoanMember_2502" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2503" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AutoAndLeasingLoansReceivableMember" xlink:label="Locator_ofg_AutoAndLeasingLoansReceivableMember_2504" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2503" xlink:to="Locator_ofg_AutoAndLeasingLoansReceivableMember_2504" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2505" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AutomobileLoanMember" xlink:label="Locator_us-gaap_AutomobileLoanMember_2506" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2505" xlink:to="Locator_us-gaap_AutomobileLoanMember_2506" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2509" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember" xlink:label="Locator_ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember_2510" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2509" xlink:to="Locator_ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember_2510" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2513" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialAndOtherConstructionMember" xlink:label="Locator_ofg_CommercialAndOtherConstructionMember_2514" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2513" xlink:to="Locator_ofg_CommercialAndOtherConstructionMember_2514" order="9.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/FDICIndemnificationAndTrueupPaymentObligationTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="Locator_us-gaap_BankingAndThriftAbstract_2529" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAssetRollForwardTableTextBlock" xlink:label="Locator_us-gaap_FDICIndemnificationAssetRollForwardTableTextBlock_2530" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BankingAndThriftAbstract_2529" xlink:to="Locator_us-gaap_FDICIndemnificationAssetRollForwardTableTextBlock_2530" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="Locator_us-gaap_BankingAndThriftAbstract_2531" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionContingentConsiderationTextBlock" xlink:label="Locator_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionContingentConsiderationTextBlock_2532" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BankingAndThriftAbstract_2531" xlink:to="Locator_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionContingentConsiderationTextBlock_2532" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="Locator_us-gaap_BankingAndThriftAbstract_2533" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicIndemnificationAssetExpenseTableTextBlock" xlink:label="Locator_ofg_FdicIndemnificationAssetExpenseTableTextBlock_2534" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BankingAndThriftAbstract_2533" xlink:to="Locator_ofg_FdicIndemnificationAssetExpenseTableTextBlock_2534" order="3.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DerivativeActivitiesTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentDetailAbstract" xlink:label="Locator_us-gaap_DerivativeInstrumentDetailAbstract_2535" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfDerivativeInstrumentsTextBlock" xlink:label="Locator_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock_2536" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentDetailAbstract_2535" xlink:to="Locator_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock_2536" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentDetailAbstract" xlink:label="Locator_us-gaap_DerivativeInstrumentDetailAbstract_2537" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermContractsOrProgramsDisclosureTextBlock" xlink:label="Locator_us-gaap_LongTermContractsOrProgramsDisclosureTextBlock_2538" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentDetailAbstract_2537" xlink:to="Locator_us-gaap_LongTermContractsOrProgramsDisclosureTextBlock_2538" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AccruedInterestReceivableAndOtherAssetsTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_2539" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ScheduleOfAccruedInterestReceivableTableTextBlock" xlink:label="Locator_ofg_ScheduleOfAccruedInterestReceivableTableTextBlock_2540" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_2539" xlink:to="Locator_ofg_ScheduleOfAccruedInterestReceivableTableTextBlock_2540" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_2541" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfOtherAssetsTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfOtherAssetsTableTextBlock_2542" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_2541" xlink:to="Locator_us-gaap_ScheduleOfOtherAssetsTableTextBlock_2542" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DepositsAndRelatedInterestTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_2543" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DepositsByComponentTableTextBlock" xlink:label="Locator_ofg_DepositsByComponentTableTextBlock_2544" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_2543" xlink:to="Locator_ofg_DepositsByComponentTableTextBlock_2544" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_2545" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InterestExpenseDomesticDepositLiabilitiesTableTextBlock" xlink:label="Locator_ofg_InterestExpenseDomesticDepositLiabilitiesTableTextBlock_2546" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_2545" xlink:to="Locator_ofg_InterestExpenseDomesticDepositLiabilitiesTableTextBlock_2546" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_2547" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MaturitiesOfTimeDepositsTableTextBlock" xlink:label="Locator_ofg_MaturitiesOfTimeDepositsTableTextBlock_2548" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_2547" xlink:to="Locator_ofg_MaturitiesOfTimeDepositsTableTextBlock_2548" order="3.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BorrowingsAndRelatedInterestTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentsAbstract" xlink:label="Locator_us-gaap_DebtInstrumentsAbstract_2549" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ScheduleOfRepurchaseAgreementCounterpartyTableTextBlock" xlink:label="Locator_ofg_ScheduleOfRepurchaseAgreementCounterpartyTableTextBlock_2550" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentsAbstract_2549" xlink:to="Locator_ofg_ScheduleOfRepurchaseAgreementCounterpartyTableTextBlock_2550" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentsAbstract" xlink:label="Locator_us-gaap_DebtInstrumentsAbstract_2551" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ScheduleOfRepurchaseAgreementByMaturityTableTextBlock" xlink:label="Locator_ofg_ScheduleOfRepurchaseAgreementByMaturityTableTextBlock_2552" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentsAbstract_2551" xlink:to="Locator_ofg_ScheduleOfRepurchaseAgreementByMaturityTableTextBlock_2552" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentsAbstract" xlink:label="Locator_us-gaap_DebtInstrumentsAbstract_2553" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfRepurchaseAgreements" xlink:label="Locator_us-gaap_ScheduleOfRepurchaseAgreements_2554" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentsAbstract_2553" xlink:to="Locator_us-gaap_ScheduleOfRepurchaseAgreements_2554" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentsAbstract" xlink:label="Locator_us-gaap_DebtInstrumentsAbstract_2555" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchasedAgreementsOtherDetailstableTextBlock" xlink:label="Locator_ofg_RepurchasedAgreementsOtherDetailstableTextBlock_2556" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentsAbstract_2555" xlink:to="Locator_ofg_RepurchasedAgreementsOtherDetailstableTextBlock_2556" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentsAbstract" xlink:label="Locator_us-gaap_DebtInstrumentsAbstract_2557" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" xlink:label="Locator_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock_2558" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentsAbstract_2557" xlink:to="Locator_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock_2558" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentsAbstract" xlink:label="Locator_us-gaap_DebtInstrumentsAbstract_2559" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RedemtionFundsTableTextBlock" xlink:label="Locator_ofg_RedemtionFundsTableTextBlock_2560" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentsAbstract_2559" xlink:to="Locator_ofg_RedemtionFundsTableTextBlock_2560" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentsAbstract" xlink:label="Locator_us-gaap_DebtInstrumentsAbstract_2561" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FederalFundPurchasedDetailsTableTextBlock" xlink:label="Locator_ofg_FederalFundPurchasedDetailsTableTextBlock_2562" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentsAbstract_2561" xlink:to="Locator_ofg_FederalFundPurchasedDetailsTableTextBlock_2562" order="7.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/StockholdersEquityTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityAbstract" xlink:label="Locator_us-gaap_EquityAbstract_2563" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTreasuryStockByClassTextBlock" xlink:label="Locator_us-gaap_ScheduleOfTreasuryStockByClassTextBlock_2564" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityAbstract_2563" xlink:to="Locator_us-gaap_ScheduleOfTreasuryStockByClassTextBlock_2564" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DerivativeActivitiesNarrativesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2635" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestructuringCostAndReserveAxis" xlink:label="Locator_us-gaap_RestructuringCostAndReserveAxis_2636" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2635" xlink:to="Locator_us-gaap_RestructuringCostAndReserveAxis_2636" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestructuringCostAndReserveAxis" xlink:label="Locator_us-gaap_RestructuringCostAndReserveAxis_2639" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TypeOfRestructuringDomain" xlink:label="Locator_us-gaap_TypeOfRestructuringDomain_2640" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RestructuringCostAndReserveAxis_2639" xlink:to="Locator_us-gaap_TypeOfRestructuringDomain_2640" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TypeOfRestructuringDomain" xlink:label="Locator_us-gaap_TypeOfRestructuringDomain_2641" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ContractTerminationMember" xlink:label="Locator_us-gaap_ContractTerminationMember_2642" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TypeOfRestructuringDomain_2641" xlink:to="Locator_us-gaap_ContractTerminationMember_2642" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2633" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2634" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2633" xlink:to="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2634" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2567" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnrealizedGainLossOnDerivatives" xlink:label="Locator_us-gaap_UnrealizedGainLossOnDerivatives_2568" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2567" xlink:to="Locator_us-gaap_UnrealizedGainLossOnDerivatives_2568" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2569" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NotionalAmountPurchasedOption" xlink:label="Locator_ofg_NotionalAmountPurchasedOption_2570" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2569" xlink:to="Locator_ofg_NotionalAmountPurchasedOption_2570" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2571" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EmbeddedDerivativeFairValueOfEmbeddedDerivativeLiability" xlink:label="Locator_us-gaap_EmbeddedDerivativeFairValueOfEmbeddedDerivativeLiability_2572" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2571" xlink:to="Locator_us-gaap_EmbeddedDerivativeFairValueOfEmbeddedDerivativeLiability_2572" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2577" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NotionalAmountEmbeddedOption" xlink:label="Locator_ofg_NotionalAmountEmbeddedOption_2578" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2577" xlink:to="Locator_ofg_NotionalAmountEmbeddedOption_2578" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2579" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_DerivativeNotionalAmount" xlink:label="Locator_invest_DerivativeNotionalAmount_2580" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2579" xlink:to="Locator_invest_DerivativeNotionalAmount_2580" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2581" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RealizedInvestmentGainsLosses" xlink:label="Locator_us-gaap_RealizedInvestmentGainsLosses_2582" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2581" xlink:to="Locator_us-gaap_RealizedInvestmentGainsLosses_2582" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2573" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAssets" xlink:label="Locator_us-gaap_DerivativeAssets_2574" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2573" xlink:to="Locator_us-gaap_DerivativeAssets_2574" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2575" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:label="Locator_us-gaap_DerivativeLiabilities_2576" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2575" xlink:to="Locator_us-gaap_DerivativeLiabilities_2576" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2637" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_2638" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2637" xlink:to="Locator_us-gaap_DerivativeInstrumentRiskAxis_2638" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_2653" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_2654" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentRiskAxis_2653" xlink:to="Locator_us-gaap_DerivativeContractTypeDomain_2654" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_2655" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ForwardContractsMember" xlink:label="Locator_us-gaap_ForwardContractsMember_2656" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_2655" xlink:to="Locator_us-gaap_ForwardContractsMember_2656" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ForwardContractsMember" xlink:label="Locator_us-gaap_ForwardContractsMember_2651" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestRateCapMember" xlink:label="Locator_us-gaap_InterestRateCapMember_2652" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ForwardContractsMember_2651" xlink:to="Locator_us-gaap_InterestRateCapMember_2652" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_2657" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OptionMember" xlink:label="Locator_us-gaap_OptionMember_2658" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_2657" xlink:to="Locator_us-gaap_OptionMember_2658" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OptionMember" xlink:label="Locator_us-gaap_OptionMember_2643" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EmployeeStockOptionMember" xlink:label="Locator_us-gaap_EmployeeStockOptionMember_2644" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OptionMember_2643" xlink:to="Locator_us-gaap_EmployeeStockOptionMember_2644" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OptionMember" xlink:label="Locator_us-gaap_OptionMember_2645" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestRateSwaptionMember" xlink:label="Locator_us-gaap_InterestRateSwaptionMember_2646" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OptionMember_2645" xlink:to="Locator_us-gaap_InterestRateSwaptionMember_2646" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_2661" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ForeignExchangeAndOtherDerivativeFinancialInstrumentsMember" xlink:label="Locator_us-gaap_ForeignExchangeAndOtherDerivativeFinancialInstrumentsMember_2662" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_2661" xlink:to="Locator_us-gaap_ForeignExchangeAndOtherDerivativeFinancialInstrumentsMember_2662" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_2659" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SwapMember" xlink:label="Locator_us-gaap_SwapMember_2660" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_2659" xlink:to="Locator_us-gaap_SwapMember_2660" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SwapMember" xlink:label="Locator_us-gaap_SwapMember_2647" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DesignatedAsHedgingInstrumentMember" xlink:label="Locator_us-gaap_DesignatedAsHedgingInstrumentMember_2648" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SwapMember_2647" xlink:to="Locator_us-gaap_DesignatedAsHedgingInstrumentMember_2648" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SwapMember" xlink:label="Locator_us-gaap_SwapMember_2649" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NondesignatedMember" xlink:label="Locator_us-gaap_NondesignatedMember_2650" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SwapMember_2649" xlink:to="Locator_us-gaap_NondesignatedMember_2650" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentDetailAbstract" xlink:label="Locator_us-gaap_DerivativeInstrumentDetailAbstract_2565" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2566" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentDetailAbstract_2565" xlink:to="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2566" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DerivativeActivitiesDerivativeAssetsAndLiabilitiesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAssetsLiabilitiesAtFairValueNetByBalanceSheetClassificationAbstract" xlink:label="Locator_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNetByBalanceSheetClassificationAbstract_2663" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2664" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNetByBalanceSheetClassificationAbstract_2663" xlink:to="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2664" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2695" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2696" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2695" xlink:to="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2696" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2665" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAssets" xlink:label="Locator_us-gaap_DerivativeAssets_2666" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2665" xlink:to="Locator_us-gaap_DerivativeAssets_2666" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2667" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:label="Locator_us-gaap_DerivativeLiabilities_2668" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_2667" xlink:to="Locator_us-gaap_DerivativeLiabilities_2668" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable" xlink:label="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2697" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_2698" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2697" xlink:to="Locator_us-gaap_DerivativeInstrumentRiskAxis_2698" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_2707" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_2708" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentRiskAxis_2707" xlink:to="Locator_us-gaap_DerivativeContractTypeDomain_2708" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_2709" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OptionMember" xlink:label="Locator_us-gaap_OptionMember_2710" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_2709" xlink:to="Locator_us-gaap_OptionMember_2710" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OptionMember" xlink:label="Locator_us-gaap_OptionMember_2699" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EmployeeStockOptionMember" xlink:label="Locator_us-gaap_EmployeeStockOptionMember_2700" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OptionMember_2699" xlink:to="Locator_us-gaap_EmployeeStockOptionMember_2700" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OptionMember" xlink:label="Locator_us-gaap_OptionMember_2701" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestRateSwaptionMember" xlink:label="Locator_us-gaap_InterestRateSwaptionMember_2702" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OptionMember_2701" xlink:to="Locator_us-gaap_InterestRateSwaptionMember_2702" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_2713" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestRateCapMember" xlink:label="Locator_us-gaap_InterestRateCapMember_2714" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_2713" xlink:to="Locator_us-gaap_InterestRateCapMember_2714" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_2715" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ForeignExchangeAndOtherDerivativeFinancialInstrumentsMember" xlink:label="Locator_us-gaap_ForeignExchangeAndOtherDerivativeFinancialInstrumentsMember_2716" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_2715" xlink:to="Locator_us-gaap_ForeignExchangeAndOtherDerivativeFinancialInstrumentsMember_2716" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_2711" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SwapMember" xlink:label="Locator_us-gaap_SwapMember_2712" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_2711" xlink:to="Locator_us-gaap_SwapMember_2712" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SwapMember" xlink:label="Locator_us-gaap_SwapMember_2703" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DesignatedAsHedgingInstrumentMember" xlink:label="Locator_us-gaap_DesignatedAsHedgingInstrumentMember_2704" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SwapMember_2703" xlink:to="Locator_us-gaap_DesignatedAsHedgingInstrumentMember_2704" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SwapMember" xlink:label="Locator_us-gaap_SwapMember_2705" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NondesignatedMember" xlink:label="Locator_us-gaap_NondesignatedMember_2706" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SwapMember_2705" xlink:to="Locator_us-gaap_NondesignatedMember_2706" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DerivativeActivitiesInterestRateSwapAndTheirTermDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_2797" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_2798" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentRiskAxis_2797" xlink:to="Locator_us-gaap_DerivativeContractTypeDomain_2798" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_2799" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SwapMember" xlink:label="Locator_us-gaap_SwapMember_2800" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_2799" xlink:to="Locator_us-gaap_SwapMember_2800" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SwapMember" xlink:label="Locator_us-gaap_SwapMember_2777" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestRateSwapMember" xlink:label="Locator_us-gaap_InterestRateSwapMember_2778" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SwapMember_2777" xlink:to="Locator_us-gaap_InterestRateSwapMember_2778" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SwapMember" xlink:label="Locator_us-gaap_SwapMember_2779" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativesOfferedToClientsMember" xlink:label="Locator_ofg_DerivativesOfferedToClientsMember_2780" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SwapMember_2779" xlink:to="Locator_ofg_DerivativesOfferedToClientsMember_2780" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SwapMember" xlink:label="Locator_us-gaap_SwapMember_2781" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MirrorImageDerivativesMember" xlink:label="Locator_ofg_MirrorImageDerivativesMember_2782" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SwapMember_2781" xlink:to="Locator_ofg_MirrorImageDerivativesMember_2782" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentDetailAbstract" xlink:label="Locator_us-gaap_DerivativeInstrumentDetailAbstract_2729" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeTable" xlink:label="Locator_us-gaap_DerivativeTable_2730" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentDetailAbstract_2729" xlink:to="Locator_us-gaap_DerivativeTable_2730" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeTable" xlink:label="Locator_us-gaap_DerivativeTable_2771" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_2772" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeTable_2771" xlink:to="Locator_us-gaap_DerivativeLineItems_2772" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_2717" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_DerivativeNotionalAmount" xlink:label="Locator_invest_DerivativeNotionalAmount_2718" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_2717" xlink:to="Locator_invest_DerivativeNotionalAmount_2718" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_2719" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAverageFixedInterestRate" xlink:label="Locator_us-gaap_DerivativeAverageFixedInterestRate_2720" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_2719" xlink:to="Locator_us-gaap_DerivativeAverageFixedInterestRate_2720" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_2721" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInceptionDates" xlink:label="Locator_us-gaap_DerivativeInceptionDates_2722" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_2721" xlink:to="Locator_us-gaap_DerivativeInceptionDates_2722" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_2723" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentContractSettlementDate" xlink:label="Locator_invest_InvestmentContractSettlementDate_2724" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_2723" xlink:to="Locator_invest_InvestmentContractSettlementDate_2724" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_2725" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeMaturityDates" xlink:label="Locator_us-gaap_DerivativeMaturityDates_2726" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_2725" xlink:to="Locator_us-gaap_DerivativeMaturityDates_2726" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeTable" xlink:label="Locator_us-gaap_DerivativeTable_2773" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_2774" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeTable_2773" xlink:to="Locator_us-gaap_DerivativeInstrumentRiskAxis_2774" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeTable" xlink:label="Locator_us-gaap_DerivativeTable_2775" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeByInterestRateAxis" xlink:label="Locator_ofg_DerivativeByInterestRateAxis_2776" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeTable_2775" xlink:to="Locator_ofg_DerivativeByInterestRateAxis_2776" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeByInterestRateAxis" xlink:label="Locator_ofg_DerivativeByInterestRateAxis_2783" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeByInterestRateDomain" xlink:label="Locator_ofg_DerivativeByInterestRateDomain_2784" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DerivativeByInterestRateAxis_2783" xlink:to="Locator_ofg_DerivativeByInterestRateDomain_2784" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeByInterestRateDomain" xlink:label="Locator_ofg_DerivativeByInterestRateDomain_2785" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Rate24365Member" xlink:label="Locator_ofg_Rate24365Member_2786" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DerivativeByInterestRateDomain_2785" xlink:to="Locator_ofg_Rate24365Member_2786" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeByInterestRateDomain" xlink:label="Locator_ofg_DerivativeByInterestRateDomain_2787" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Rate26200Member" xlink:label="Locator_ofg_Rate26200Member_2788" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DerivativeByInterestRateDomain_2787" xlink:to="Locator_ofg_Rate26200Member_2788" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeByInterestRateDomain" xlink:label="Locator_ofg_DerivativeByInterestRateDomain_2789" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Rate26350Member" xlink:label="Locator_ofg_Rate26350Member_2790" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DerivativeByInterestRateDomain_2789" xlink:to="Locator_ofg_Rate26350Member_2790" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeByInterestRateDomain" xlink:label="Locator_ofg_DerivativeByInterestRateDomain_2791" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Rate26590Member" xlink:label="Locator_ofg_Rate26590Member_2792" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DerivativeByInterestRateDomain_2791" xlink:to="Locator_ofg_Rate26590Member_2792" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeByInterestRateDomain" xlink:label="Locator_ofg_DerivativeByInterestRateDomain_2793" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Rate26750Member" xlink:label="Locator_ofg_Rate26750Member_2794" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DerivativeByInterestRateDomain_2793" xlink:to="Locator_ofg_Rate26750Member_2794" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeByInterestRateDomain" xlink:label="Locator_ofg_DerivativeByInterestRateDomain_2795" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Rate24210Member" xlink:label="Locator_ofg_Rate24210Member_2796" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DerivativeByInterestRateDomain_2795" xlink:to="Locator_ofg_Rate24210Member_2796" order="6.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DepositsAndRelatedInterestNarrativesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2801" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_WeightedAverageRateDomesticDeposit" xlink:label="Locator_us-gaap_WeightedAverageRateDomesticDeposit_2802" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2801" xlink:to="Locator_us-gaap_WeightedAverageRateDomesticDeposit_2802" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2803" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PuertoRicoCashMoneyMarketFundDeposits" xlink:label="Locator_ofg_PuertoRicoCashMoneyMarketFundDeposits_2804" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2803" xlink:to="Locator_ofg_PuertoRicoCashMoneyMarketFundDeposits_2804" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2805" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PuertoRicoCashMoneyMarketFundWeightedAverageRate" xlink:label="Locator_ofg_PuertoRicoCashMoneyMarketFundWeightedAverageRate_2806" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2805" xlink:to="Locator_ofg_PuertoRicoCashMoneyMarketFundWeightedAverageRate_2806" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2807" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PuertoRicoCashMoneyMarketFundCollateral" xlink:label="Locator_ofg_PuertoRicoCashMoneyMarketFundCollateral_2808" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2807" xlink:to="Locator_ofg_PuertoRicoCashMoneyMarketFundCollateral_2808" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2809" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:label="Locator_us-gaap_TimeDeposits100000OrMore_2810" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2809" xlink:to="Locator_us-gaap_TimeDeposits100000OrMore_2810" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2811" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PublicFundTimeDeposits" xlink:label="Locator_ofg_PublicFundTimeDeposits_2812" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2811" xlink:to="Locator_ofg_PublicFundTimeDeposits_2812" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2813" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PublicFundTimeDepositsWeightedAverageRate" xlink:label="Locator_ofg_PublicFundTimeDepositsWeightedAverageRate_2814" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2813" xlink:to="Locator_ofg_PublicFundTimeDepositsWeightedAverageRate_2814" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2815" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PublicFundsDeposit" xlink:label="Locator_ofg_PublicFundsDeposit_2816" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2815" xlink:to="Locator_ofg_PublicFundsDeposit_2816" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2817" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PublicFundCollateralInvestments" xlink:label="Locator_ofg_PublicFundCollateralInvestments_2818" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2817" xlink:to="Locator_ofg_PublicFundCollateralInvestments_2818" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2819" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PublicFundTimeDepositsCollateralCommercialLoans" xlink:label="Locator_ofg_PublicFundTimeDepositsCollateralCommercialLoans_2820" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2819" xlink:to="Locator_ofg_PublicFundTimeDepositsCollateralCommercialLoans_2820" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2821" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositLiabilitiesAccruedInterest" xlink:label="Locator_us-gaap_DepositLiabilitiesAccruedInterest_2822" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2821" xlink:to="Locator_us-gaap_DepositLiabilitiesAccruedInterest_2822" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2823" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentUnamortizedDiscount" xlink:label="Locator_us-gaap_DebtInstrumentUnamortizedDiscount_2824" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2823" xlink:to="Locator_us-gaap_DebtInstrumentUnamortizedDiscount_2824" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2825" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankOverdrafts" xlink:label="Locator_us-gaap_BankOverdrafts_2826" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2825" xlink:to="Locator_us-gaap_BankOverdrafts_2826" order="13.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2827" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BrokeredCertificatesOfDeposits" xlink:label="Locator_ofg_BrokeredCertificatesOfDeposits_2828" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2827" xlink:to="Locator_ofg_BrokeredCertificatesOfDeposits_2828" order="14.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2829" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsMoneyMarketDeposits" xlink:label="Locator_us-gaap_DepositsMoneyMarketDeposits_2830" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2829" xlink:to="Locator_us-gaap_DepositsMoneyMarketDeposits_2830" order="15.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2831" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_EquityIndexedOption" xlink:label="Locator_ofg_EquityIndexedOption_2832" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2831" xlink:to="Locator_ofg_EquityIndexedOption_2832" order="16.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2833" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MinimumInvestmentOfFundInShortTermSecuritiesResaleAgreements" xlink:label="Locator_ofg_MinimumInvestmentOfFundInShortTermSecuritiesResaleAgreements_2834" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2833" xlink:to="Locator_ofg_MinimumInvestmentOfFundInShortTermSecuritiesResaleAgreements_2834" order="17.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="Locator_us-gaap_DepositsAbstract_2835" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MaximumOfDepositsAcceptedInRelationToFundsAssets" xlink:label="Locator_ofg_MaximumOfDepositsAcceptedInRelationToFundsAssets_2836" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsAbstract_2835" xlink:to="Locator_ofg_MaximumOfDepositsAcceptedInRelationToFundsAssets_2836" order="18.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/RegulatoryCapitalRequirementsGroupsAndTheBanksActualCapitalAmountsAndRatiosDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_LegalEntityAxis" xlink:label="Locator_dei_LegalEntityAxis_2959" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_2960" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_LegalEntityAxis_2959" xlink:to="Locator_dei_EntityDomain_2960" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_2961" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GroupMember" xlink:label="Locator_ofg_GroupMember_2962" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_EntityDomain_2961" xlink:to="Locator_ofg_GroupMember_2962" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_2963" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BankMember" xlink:label="Locator_ofg_BankMember_2964" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_EntityDomain_2963" xlink:to="Locator_ofg_BankMember_2964" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CapitalDisclosureAbstract" xlink:label="Locator_ofg_CapitalDisclosureAbstract_2891" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:label="Locator_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_2892" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CapitalDisclosureAbstract_2891" xlink:to="Locator_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_2892" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:label="Locator_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_2955" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:label="Locator_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_2956" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_2955" xlink:to="Locator_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_2956" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:label="Locator_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_2837" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalAbstract" xlink:label="Locator_us-gaap_CapitalAbstract_2838" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_2837" xlink:to="Locator_us-gaap_CapitalAbstract_2838" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalAbstract" xlink:label="Locator_us-gaap_CapitalAbstract_2843" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Capital" xlink:label="Locator_us-gaap_Capital_2844" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CapitalAbstract_2843" xlink:to="Locator_us-gaap_Capital_2844" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalAbstract" xlink:label="Locator_us-gaap_CapitalAbstract_2845" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneRiskBasedCapital" xlink:label="Locator_us-gaap_TierOneRiskBasedCapital_2846" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CapitalAbstract_2845" xlink:to="Locator_us-gaap_TierOneRiskBasedCapital_2846" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalAbstract" xlink:label="Locator_us-gaap_CapitalAbstract_2847" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommonEquityTier1" xlink:label="Locator_ofg_CommonEquityTier1_2848" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CapitalAbstract_2847" xlink:to="Locator_ofg_CommonEquityTier1_2848" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalAbstract" xlink:label="Locator_us-gaap_CapitalAbstract_2849" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneLeverageCapital" xlink:label="Locator_us-gaap_TierOneLeverageCapital_2850" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CapitalAbstract_2849" xlink:to="Locator_us-gaap_TierOneLeverageCapital_2850" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalAbstract" xlink:label="Locator_us-gaap_CapitalAbstract_2851" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacy" xlink:label="Locator_us-gaap_CapitalRequiredForCapitalAdequacy_2852" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CapitalAbstract_2851" xlink:to="Locator_us-gaap_CapitalRequiredForCapitalAdequacy_2852" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalAbstract" xlink:label="Locator_us-gaap_CapitalAbstract_2853" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:label="Locator_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_2854" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CapitalAbstract_2853" xlink:to="Locator_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_2854" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalAbstract" xlink:label="Locator_us-gaap_CapitalAbstract_2855" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_commonequitytier1forcapitaladequacy" xlink:label="Locator_ofg_commonequitytier1forcapitaladequacy_2856" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CapitalAbstract_2855" xlink:to="Locator_ofg_commonequitytier1forcapitaladequacy_2856" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalAbstract" xlink:label="Locator_us-gaap_CapitalAbstract_2857" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:label="Locator_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_2858" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CapitalAbstract_2857" xlink:to="Locator_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_2858" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalAbstract" xlink:label="Locator_us-gaap_CapitalAbstract_2859" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalized" xlink:label="Locator_us-gaap_CapitalRequiredToBeWellCapitalized_2860" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CapitalAbstract_2859" xlink:to="Locator_us-gaap_CapitalRequiredToBeWellCapitalized_2860" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalAbstract" xlink:label="Locator_us-gaap_CapitalAbstract_2861" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:label="Locator_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_2862" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CapitalAbstract_2861" xlink:to="Locator_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_2862" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalAbstract" xlink:label="Locator_us-gaap_CapitalAbstract_2863" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommonEquityTier1toBeWellCapitalized" xlink:label="Locator_ofg_CommonEquityTier1toBeWellCapitalized_2864" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CapitalAbstract_2863" xlink:to="Locator_ofg_CommonEquityTier1toBeWellCapitalized_2864" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalAbstract" xlink:label="Locator_us-gaap_CapitalAbstract_2865" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:label="Locator_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_2866" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CapitalAbstract_2865" xlink:to="Locator_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_2866" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:label="Locator_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_2839" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:label="Locator_us-gaap_RiskBasedRatiosAbstract_2840" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_2839" xlink:to="Locator_us-gaap_RiskBasedRatiosAbstract_2840" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:label="Locator_us-gaap_RiskBasedRatiosAbstract_2867" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalToRiskWeightedAssets" xlink:label="Locator_us-gaap_CapitalToRiskWeightedAssets_2868" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RiskBasedRatiosAbstract_2867" xlink:to="Locator_us-gaap_CapitalToRiskWeightedAssets_2868" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:label="Locator_us-gaap_RiskBasedRatiosAbstract_2869" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:label="Locator_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_2870" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RiskBasedRatiosAbstract_2869" xlink:to="Locator_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_2870" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:label="Locator_us-gaap_RiskBasedRatiosAbstract_2871" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommonEquitytierOnetoRiskWeightedAssets" xlink:label="Locator_ofg_CommonEquitytierOnetoRiskWeightedAssets_2872" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RiskBasedRatiosAbstract_2871" xlink:to="Locator_ofg_CommonEquitytierOnetoRiskWeightedAssets_2872" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:label="Locator_us-gaap_RiskBasedRatiosAbstract_2873" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:label="Locator_us-gaap_TierOneLeverageCapitalToAverageAssets_2874" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RiskBasedRatiosAbstract_2873" xlink:to="Locator_us-gaap_TierOneLeverageCapitalToAverageAssets_2874" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:label="Locator_us-gaap_RiskBasedRatiosAbstract_2875" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="Locator_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_2876" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RiskBasedRatiosAbstract_2875" xlink:to="Locator_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_2876" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:label="Locator_us-gaap_RiskBasedRatiosAbstract_2877" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="Locator_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_2878" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RiskBasedRatiosAbstract_2877" xlink:to="Locator_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_2878" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:label="Locator_us-gaap_RiskBasedRatiosAbstract_2879" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommonEquityTierOneRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="Locator_ofg_CommonEquityTierOneRequiredForCapitalAdequacyToRiskWeightedAssets_2880" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RiskBasedRatiosAbstract_2879" xlink:to="Locator_ofg_CommonEquityTierOneRequiredForCapitalAdequacyToRiskWeightedAssets_2880" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:label="Locator_us-gaap_RiskBasedRatiosAbstract_2881" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:label="Locator_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_2882" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RiskBasedRatiosAbstract_2881" xlink:to="Locator_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_2882" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:label="Locator_us-gaap_RiskBasedRatiosAbstract_2883" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="Locator_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_2884" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RiskBasedRatiosAbstract_2883" xlink:to="Locator_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_2884" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:label="Locator_us-gaap_RiskBasedRatiosAbstract_2885" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="Locator_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_2886" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RiskBasedRatiosAbstract_2885" xlink:to="Locator_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_2886" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:label="Locator_us-gaap_RiskBasedRatiosAbstract_2887" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TieroneriskcommonEquityTierOneRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="Locator_ofg_TieroneriskcommonEquityTierOneRequiredToBeWellCapitalizedToRiskWeightedAssets_2888" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RiskBasedRatiosAbstract_2887" xlink:to="Locator_ofg_TieroneriskcommonEquityTierOneRequiredToBeWellCapitalizedToRiskWeightedAssets_2888" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:label="Locator_us-gaap_RiskBasedRatiosAbstract_2889" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:label="Locator_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_2890" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RiskBasedRatiosAbstract_2889" xlink:to="Locator_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_2890" order="12.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:label="Locator_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_2957" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_LegalEntityAxis" xlink:label="Locator_dei_LegalEntityAxis_2958" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_2957" xlink:to="Locator_dei_LegalEntityAxis_2958" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/EarningsPerCommonShareEarningsPerCommonShareDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_2965" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_2966" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_2965" xlink:to="Locator_us-gaap_NetIncomeLoss_2966" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_2967" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonConvertiblePreferredStockDividend" xlink:label="Locator_ofg_NonConvertiblePreferredStockDividend_2968" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_2967" xlink:to="Locator_ofg_NonConvertiblePreferredStockDividend_2968" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_2969" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConvertiblePreferredStockDividend" xlink:label="Locator_ofg_ConvertiblePreferredStockDividend_2970" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_2969" xlink:to="Locator_ofg_ConvertiblePreferredStockDividend_2970" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_2971" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:label="Locator_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_2972" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_2971" xlink:to="Locator_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_2972" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_2973" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_EffectOfAssumedConversion" xlink:label="Locator_ofg_EffectOfAssumedConversion_2974" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_2973" xlink:to="Locator_ofg_EffectOfAssumedConversion_2974" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_2975" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_IncomeAvailableToCommonSharesholdersAssumingConversion" xlink:label="Locator_ofg_IncomeAvailableToCommonSharesholdersAssumingConversion_2976" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_2975" xlink:to="Locator_ofg_IncomeAvailableToCommonSharesholdersAssumingConversion_2976" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_2977" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="Locator_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_2978" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_2977" xlink:to="Locator_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_2978" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_2979" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AveragePotentialCommonSharesOptions" xlink:label="Locator_ofg_AveragePotentialCommonSharesOptions_2980" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_2979" xlink:to="Locator_ofg_AveragePotentialCommonSharesOptions_2980" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_2981" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AveragePotentialCommonSharesConvertiblePreferredStock" xlink:label="Locator_ofg_AveragePotentialCommonSharesConvertiblePreferredStock_2982" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_2981" xlink:to="Locator_ofg_AveragePotentialCommonSharesConvertiblePreferredStock_2982" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_2983" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted" xlink:label="Locator_us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted_2984" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_2983" xlink:to="Locator_us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted_2984" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_2985" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="Locator_us-gaap_EarningsPerShareBasic_2986" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_2985" xlink:to="Locator_us-gaap_EarningsPerShareBasic_2986" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_2987" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="Locator_us-gaap_EarningsPerShareDiluted_2988" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_2987" xlink:to="Locator_us-gaap_EarningsPerShareDiluted_2988" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AccumulatedOtherComprehensiveIncomeAccumulatedComprehensiveIncomeNetOfIncomeTaxDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_3047" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherThanTemporaryImpairmentMember" xlink:label="Locator_us-gaap_AccumulatedOtherThanTemporaryImpairmentMember_3048" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_3047" xlink:to="Locator_us-gaap_AccumulatedOtherThanTemporaryImpairmentMember_3048" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_3049" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember" xlink:label="Locator_us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember_3050" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_3049" xlink:to="Locator_us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember_3050" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_3007" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_3008" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_3007" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_3008" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_3043" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_3044" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_3043" xlink:to="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_3044" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_2989" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_2990" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_2989" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_2990" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_2991" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxPortionAttributableToNoncontrollingInterestAvailableforsaleSecurities" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxPortionAttributableToNoncontrollingInterestAvailableforsaleSecurities_2992" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_2991" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxPortionAttributableToNoncontrollingInterestAvailableforsaleSecurities_2992" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_2993" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_2994" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_2993" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_2994" order="3.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_2995" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_2996" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_2995" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_2996" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_2997" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesBeforeTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesBeforeTax_2998" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_2997" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesBeforeTax_2998" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_2999" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax_3000" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_2999" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax_3000" order="6.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_3001" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossCumulativeChangesInNetGainLossFromCashFlowHedgesEffectNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossCumulativeChangesInNetGainLossFromCashFlowHedgesEffectNetOfTax_3002" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_3001" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossCumulativeChangesInNetGainLossFromCashFlowHedgesEffectNetOfTax_3002" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_3003" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_3004" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_3003" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_3004" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_3045" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis" xlink:label="Locator_ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis_3046" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_3045" xlink:to="Locator_ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis_3046" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis" xlink:label="Locator_ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis_3053" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_3054" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis_3053" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_3054" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_3051" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ParentCompanyMember" xlink:label="Locator_us-gaap_ParentCompanyMember_3052" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_3051" xlink:to="Locator_us-gaap_ParentCompanyMember_3052" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ParentCompanyMember" xlink:label="Locator_us-gaap_ParentCompanyMember_3055" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_3056" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ParentCompanyMember_3055" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_3056" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/StockholdersEquityCommonSharesHeldInTreasuryActivityDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="Locator_us-gaap_StockholdersEquityNoteAbstract_3059" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercised" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercised_3060" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityNoteAbstract_3059" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercised_3060" order="2.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="Locator_us-gaap_StockholdersEquityNoteAbstract_3061" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodShares" xlink:label="Locator_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_3062" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityNoteAbstract_3061" xlink:to="Locator_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_3062" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="Locator_us-gaap_StockholdersEquityNoteAbstract_3063" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ReclassificationFromCommonStockShares" xlink:label="Locator_ofg_ReclassificationFromCommonStockShares_3064" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityNoteAbstract_3063" xlink:to="Locator_ofg_ReclassificationFromCommonStockShares_3064" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="Locator_us-gaap_StockholdersEquityNoteAbstract_3065" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommonSharesNumberUsedToMatchDefinedContributionPlan" xlink:label="Locator_ofg_CommonSharesNumberUsedToMatchDefinedContributionPlan_3066" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityNoteAbstract_3065" xlink:to="Locator_ofg_CommonSharesNumberUsedToMatchDefinedContributionPlan_3066" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="Locator_us-gaap_StockholdersEquityNoteAbstract_3057" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockShares" xlink:label="Locator_us-gaap_TreasuryStockShares_3058" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityNoteAbstract_3057" xlink:to="Locator_us-gaap_TreasuryStockShares_3058" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="Locator_us-gaap_StockholdersEquityNoteAbstract_3067" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockShares" xlink:label="Locator_us-gaap_TreasuryStockShares_3068" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityNoteAbstract_3067" xlink:to="Locator_us-gaap_TreasuryStockShares_3068" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="Locator_us-gaap_StockholdersEquityNoteAbstract_3071" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommonSharesAmountUsedForExerciseOfRestrictedStockUnits" xlink:label="Locator_ofg_CommonSharesAmountUsedForExerciseOfRestrictedStockUnits_3072" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityNoteAbstract_3071" xlink:to="Locator_ofg_CommonSharesAmountUsedForExerciseOfRestrictedStockUnits_3072" order="8.0" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="Locator_us-gaap_StockholdersEquityNoteAbstract_3073" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:label="Locator_us-gaap_TreasuryStockValueAcquiredCostMethod_3074" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityNoteAbstract_3073" xlink:to="Locator_us-gaap_TreasuryStockValueAcquiredCostMethod_3074" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="Locator_us-gaap_StockholdersEquityNoteAbstract_3075" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ReclassificationFromCommonStock" xlink:label="Locator_ofg_ReclassificationFromCommonStock_3076" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityNoteAbstract_3075" xlink:to="Locator_ofg_ReclassificationFromCommonStock_3076" order="10.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="Locator_us-gaap_StockholdersEquityNoteAbstract_3077" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommonSharesAmountUsedToMatchDefinedContributionPlan" xlink:label="Locator_ofg_CommonSharesAmountUsedToMatchDefinedContributionPlan_3078" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityNoteAbstract_3077" xlink:to="Locator_ofg_CommonSharesAmountUsedToMatchDefinedContributionPlan_3078" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="Locator_us-gaap_StockholdersEquityNoteAbstract_3069" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockCarryingBasis" xlink:label="Locator_us-gaap_TreasuryStockCarryingBasis_3070" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityNoteAbstract_3069" xlink:to="Locator_us-gaap_TreasuryStockCarryingBasis_3070" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="Locator_us-gaap_StockholdersEquityNoteAbstract_3079" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockCarryingBasis" xlink:label="Locator_us-gaap_TreasuryStockCarryingBasis_3080" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityNoteAbstract_3079" xlink:to="Locator_us-gaap_TreasuryStockCarryingBasis_3080" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/CommitmentsFutureRentalCommitmentsUnderLeasesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:label="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_3081" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:label="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_3082" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_3081" xlink:to="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_3082" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:label="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_3083" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:label="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_3084" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_3083" xlink:to="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_3084" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:label="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_3085" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:label="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_3086" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_3085" xlink:to="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_3086" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:label="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_3087" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:label="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_3088" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_3087" xlink:to="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_3088" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:label="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_3089" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:label="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_3090" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_3089" xlink:to="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_3090" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:label="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_3091" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:label="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_3092" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_3091" xlink:to="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_3092" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:label="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_3093" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:label="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDue_3094" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_3093" xlink:to="Locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDue_3094" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/CommitmentsNarrativesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_3107" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLeasesRentExpenseNet" xlink:label="Locator_us-gaap_OperatingLeasesRentExpenseNet_3108" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_3107" xlink:to="Locator_us-gaap_OperatingLeasesRentExpenseNet_3108" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_3109" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansCommitments" xlink:label="Locator_ofg_AcquiredLoansCommitments_3110" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_3109" xlink:to="Locator_ofg_AcquiredLoansCommitments_3110" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_3111" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredNonRecourseDebt" xlink:label="Locator_ofg_AcquiredNonRecourseDebt_3112" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_3111" xlink:to="Locator_ofg_AcquiredNonRecourseDebt_3112" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_3113" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LineOfCreditReserve" xlink:label="Locator_ofg_LineOfCreditReserve_3114" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_3113" xlink:to="Locator_ofg_LineOfCreditReserve_3114" order="4.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AccruedInterestAndOtherAssetsOtherAssetsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_3115" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicCertificationReceivabe" xlink:label="Locator_ofg_FdicCertificationReceivabe_3116" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_3115" xlink:to="Locator_ofg_FdicCertificationReceivabe_3116" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_3117" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicReimbursementReceivable" xlink:label="Locator_ofg_FdicReimbursementReceivable_3118" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_3117" xlink:to="Locator_ofg_FdicReimbursementReceivable_3118" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_3119" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherPrepaidExpenseCurrent" xlink:label="Locator_us-gaap_OtherPrepaidExpenseCurrent_3120" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_3119" xlink:to="Locator_us-gaap_OtherPrepaidExpenseCurrent_3120" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_3121" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherForeclosedAssets" xlink:label="Locator_us-gaap_OtherForeclosedAssets_3122" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_3121" xlink:to="Locator_us-gaap_OtherForeclosedAssets_3122" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_3123" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherIntangibleAssetsNet" xlink:label="Locator_us-gaap_OtherIntangibleAssetsNet_3124" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_3123" xlink:to="Locator_us-gaap_OtherIntangibleAssetsNet_3124" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_3125" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TaxCreditCarryforwardAmount" xlink:label="Locator_us-gaap_TaxCreditCarryforwardAmount_3126" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_3125" xlink:to="Locator_us-gaap_TaxCreditCarryforwardAmount_3126" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_3127" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PrepaidFdicInsurance" xlink:label="Locator_ofg_PrepaidFdicInsurance_3128" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_3127" xlink:to="Locator_ofg_PrepaidFdicInsurance_3128" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_3129" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentInStatutoryTrust" xlink:label="Locator_ofg_InvestmentInStatutoryTrust_3130" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_3129" xlink:to="Locator_ofg_InvestmentInStatutoryTrust_3130" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_3131" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountReceivableRelatedToNonPerformingLoansSold" xlink:label="Locator_ofg_AccountReceivableRelatedToNonPerformingLoansSold_3132" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_3131" xlink:to="Locator_ofg_AccountReceivableRelatedToNonPerformingLoansSold_3132" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_3133" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsAndOtherReceivablesNetCurrent" xlink:label="Locator_us-gaap_AccountsAndOtherReceivablesNetCurrent_3134" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_3133" xlink:to="Locator_us-gaap_AccountsAndOtherReceivablesNetCurrent_3134" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_3135" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ServicingAdvance" xlink:label="Locator_ofg_ServicingAdvance_3136" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_3135" xlink:to="Locator_ofg_ServicingAdvance_3136" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_3137" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssets" xlink:label="Locator_us-gaap_OtherAssets_3138" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_3137" xlink:to="Locator_us-gaap_OtherAssets_3138" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AccruedInterestAndOtherAssetsNarrativesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsAbstract" xlink:label="Locator_us-gaap_OtherAssetsAbstract_3155" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ScheduleOfOtherAssetsTable" xlink:label="Locator_ofg_ScheduleOfOtherAssetsTable_3156" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherAssetsAbstract_3155" xlink:to="Locator_ofg_ScheduleOfOtherAssetsTable_3156" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ScheduleOfOtherAssetsTable" xlink:label="Locator_ofg_ScheduleOfOtherAssetsTable_3191" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherAssetsLineItems" xlink:label="Locator_ofg_OtherAssetsLineItems_3192" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ScheduleOfOtherAssetsTable_3191" xlink:to="Locator_ofg_OtherAssetsLineItems_3192" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherAssetsLineItems" xlink:label="Locator_ofg_OtherAssetsLineItems_3139" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherPrepaidExpenseCurrent" xlink:label="Locator_us-gaap_OtherPrepaidExpenseCurrent_3140" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherAssetsLineItems_3139" xlink:to="Locator_us-gaap_OtherPrepaidExpenseCurrent_3140" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherAssetsLineItems" xlink:label="Locator_ofg_OtherAssetsLineItems_3141" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PrepaidTaxes" xlink:label="Locator_us-gaap_PrepaidTaxes_3142" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherAssetsLineItems_3141" xlink:to="Locator_us-gaap_PrepaidTaxes_3142" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherAssetsLineItems" xlink:label="Locator_ofg_OtherAssetsLineItems_3143" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherIntangibleAssets" xlink:label="Locator_ofg_OtherIntangibleAssets_3144" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherAssetsLineItems_3143" xlink:to="Locator_ofg_OtherIntangibleAssets_3144" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherAssetsLineItems" xlink:label="Locator_ofg_OtherAssetsLineItems_3145" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherForeclosedAssets" xlink:label="Locator_us-gaap_OtherForeclosedAssets_3146" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherAssetsLineItems_3145" xlink:to="Locator_us-gaap_OtherForeclosedAssets_3146" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherAssetsLineItems" xlink:label="Locator_ofg_OtherAssetsLineItems_3147" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepossessedAuto" xlink:label="Locator_ofg_RepossessedAuto_3148" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherAssetsLineItems_3147" xlink:to="Locator_ofg_RepossessedAuto_3148" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherAssetsLineItems" xlink:label="Locator_ofg_OtherAssetsLineItems_3149" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TaxCreditCarryforwardAmount" xlink:label="Locator_us-gaap_TaxCreditCarryforwardAmount_3150" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherAssetsLineItems_3149" xlink:to="Locator_us-gaap_TaxCreditCarryforwardAmount_3150" order="6.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherAssetsLineItems" xlink:label="Locator_ofg_OtherAssetsLineItems_3151" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccruedInterestReceivableFromMoratorium" xlink:label="Locator_ofg_AccruedInterestReceivableFromMoratorium_3152" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherAssetsLineItems_3151" xlink:to="Locator_ofg_AccruedInterestReceivableFromMoratorium_3152" order="7.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ScheduleOfOtherAssetsTable" xlink:label="Locator_ofg_ScheduleOfOtherAssetsTable_3193" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:label="Locator_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_3194" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ScheduleOfOtherAssetsTable_3193" xlink:to="Locator_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_3194" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:label="Locator_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_3197" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:label="Locator_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_3198" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_3197" xlink:to="Locator_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_3198" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:label="Locator_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_3199" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CoreDepositsMember" xlink:label="Locator_us-gaap_CoreDepositsMember_3200" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_3199" xlink:to="Locator_us-gaap_CoreDepositsMember_3200" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:label="Locator_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_3201" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CustomerRelationshipsMember" xlink:label="Locator_us-gaap_CustomerRelationshipsMember_3202" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_3201" xlink:to="Locator_us-gaap_CustomerRelationshipsMember_3202" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ScheduleOfOtherAssetsTable" xlink:label="Locator_ofg_ScheduleOfOtherAssetsTable_3195" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AssetsAcquiredByCompanyAcquireeAxis" xlink:label="Locator_ofg_AssetsAcquiredByCompanyAcquireeAxis_3196" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ScheduleOfOtherAssetsTable_3195" xlink:to="Locator_ofg_AssetsAcquiredByCompanyAcquireeAxis_3196" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AssetsAcquiredByCompanyAcquireeAxis" xlink:label="Locator_ofg_AssetsAcquiredByCompanyAcquireeAxis_3203" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:label="Locator_us-gaap_BusinessAcquisitionAcquireeDomain_3204" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AssetsAcquiredByCompanyAcquireeAxis_3203" xlink:to="Locator_us-gaap_BusinessAcquisitionAcquireeDomain_3204" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:label="Locator_us-gaap_BusinessAcquisitionAcquireeDomain_3205" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_EurobankMember" xlink:label="Locator_ofg_EurobankMember_3206" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BusinessAcquisitionAcquireeDomain_3205" xlink:to="Locator_ofg_EurobankMember_3206" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:label="Locator_us-gaap_BusinessAcquisitionAcquireeDomain_3207" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MostRecentBusinessAcquiredNameMember" xlink:label="Locator_ofg_MostRecentBusinessAcquiredNameMember_3208" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BusinessAcquisitionAcquireeDomain_3207" xlink:to="Locator_ofg_MostRecentBusinessAcquiredNameMember_3208" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/IncomeTaxesNarrativesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_LegalEntityAxis" xlink:label="Locator_dei_LegalEntityAxis_3277" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_3278" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_LegalEntityAxis_3277" xlink:to="Locator_dei_EntityDomain_3278" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_3279" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InternationalBankingEntityMember" xlink:label="Locator_ofg_InternationalBankingEntityMember_3280" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_EntityDomain_3279" xlink:to="Locator_ofg_InternationalBankingEntityMember_3280" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_3281" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BankMember" xlink:label="Locator_ofg_BankMember_3282" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_EntityDomain_3281" xlink:to="Locator_ofg_BankMember_3282" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_3209" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossTax_3210" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_3209" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossTax_3210" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_3211" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax_3212" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_3211" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax_3212" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_3213" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_IBEtaxrate" xlink:label="Locator_ofg_IBEtaxrate_3214" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_3213" xlink:to="Locator_ofg_IBEtaxrate_3214" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_3215" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefit_3216" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_3215" xlink:to="Locator_us-gaap_IncomeTaxExpenseBenefit_3216" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_3217" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestIncomeSecuritiesTaxExempt" xlink:label="Locator_us-gaap_InterestIncomeSecuritiesTaxExempt_3218" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_3217" xlink:to="Locator_us-gaap_InterestIncomeSecuritiesTaxExempt_3218" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_3219" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingLossCarryforwards" xlink:label="Locator_us-gaap_OperatingLossCarryforwards_3220" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_3219" xlink:to="Locator_us-gaap_OperatingLossCarryforwards_3220" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_3221" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued" xlink:label="Locator_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued_3222" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_3221" xlink:to="Locator_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued_3222" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_3225" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ChangesDueToTaxLawEnactedDescription" xlink:label="Locator_ofg_ChangesDueToTaxLawEnactedDescription_3226" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_3225" xlink:to="Locator_ofg_ChangesDueToTaxLawEnactedDescription_3226" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_3227" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_3228" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_3227" xlink:to="Locator_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_3228" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_3229" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued" xlink:label="Locator_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued_3230" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_3229" xlink:to="Locator_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued_3230" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_3231" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InterestAndPenaltiesReleasedRelatedToUnrecognizedTaxBenefits" xlink:label="Locator_ofg_InterestAndPenaltiesReleasedRelatedToUnrecognizedTaxBenefits_3232" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_3231" xlink:to="Locator_ofg_InterestAndPenaltiesReleasedRelatedToUnrecognizedTaxBenefits_3232" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_3233" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ReversalIncomeTaxContingency" xlink:label="Locator_ofg_ReversalIncomeTaxContingency_3234" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_3233" xlink:to="Locator_ofg_ReversalIncomeTaxContingency_3234" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_3235" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxAssetsNet" xlink:label="Locator_us-gaap_DeferredTaxAssetsNet_3236" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_3235" xlink:to="Locator_us-gaap_DeferredTaxAssetsNet_3236" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_3237" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementTable" xlink:label="Locator_us-gaap_StatementTable_3238" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_3237" xlink:to="Locator_us-gaap_StatementTable_3238" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementTable" xlink:label="Locator_us-gaap_StatementTable_3275" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_LegalEntityAxis" xlink:label="Locator_dei_LegalEntityAxis_3276" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementTable_3275" xlink:to="Locator_dei_LegalEntityAxis_3276" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementTable" xlink:label="Locator_us-gaap_StatementTable_3273" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_3274" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementTable_3273" xlink:to="Locator_us-gaap_StatementLineItems_3274" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_3239" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TaxEffectReclassifiedFromAccumulatedOciIntoIncomeTaxProvision" xlink:label="Locator_ofg_TaxEffectReclassifiedFromAccumulatedOciIntoIncomeTaxProvision_3240" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_3239" xlink:to="Locator_ofg_TaxEffectReclassifiedFromAccumulatedOciIntoIncomeTaxProvision_3240" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_3241" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseInUnrecognizedTaxBenefitsIsReasonablyPossible" xlink:label="Locator_us-gaap_IncreaseInUnrecognizedTaxBenefitsIsReasonablyPossible_3242" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_3241" xlink:to="Locator_us-gaap_IncreaseInUnrecognizedTaxBenefitsIsReasonablyPossible_3242" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_3243" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible" xlink:label="Locator_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible_3244" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_3243" xlink:to="Locator_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible_3244" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_3245" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations" xlink:label="Locator_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations_3246" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_3245" xlink:to="Locator_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations_3246" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_3247" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherTaxPositionTakenByManagement" xlink:label="Locator_ofg_OtherTaxPositionTakenByManagement_3248" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_3247" xlink:to="Locator_ofg_OtherTaxPositionTakenByManagement_3248" order="12.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_3249" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperations_3250" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_3249" xlink:to="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperations_3250" order="13.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/RelatedPartyTransactionsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesDisclosureAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesDisclosureAbstract_3283" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_3284" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesDisclosureAbstract_3283" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_3284" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_3287" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions_3288" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_3287" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions_3288" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_3289" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesProceeds" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesProceeds_3290" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_3289" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesProceeds_3290" order="3.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_3291" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansAndLeasesReceivableRelatedPartiesDisposal" xlink:label="Locator_ofg_LoansAndLeasesReceivableRelatedPartiesDisposal_3292" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_3291" xlink:to="Locator_ofg_LoansAndLeasesReceivableRelatedPartiesDisposal_3292" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_3285" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedParties" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableRelatedParties_3286" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_3285" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableRelatedParties_3286" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_3293" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedParties" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableRelatedParties_3294" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_3293" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableRelatedParties_3294" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DepositsAndRelatedInterestDepositsByComponentsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3295" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:label="Locator_us-gaap_NoninterestBearingDepositLiabilities_3296" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3295" xlink:to="Locator_us-gaap_NoninterestBearingDepositLiabilities_3296" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3297" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestBearingDepositLiabilities" xlink:label="Locator_us-gaap_InterestBearingDepositLiabilities_3298" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3297" xlink:to="Locator_us-gaap_InterestBearingDepositLiabilities_3298" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3299" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestBearingDomesticDepositTimeDeposits" xlink:label="Locator_us-gaap_InterestBearingDomesticDepositTimeDeposits_3300" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3299" xlink:to="Locator_us-gaap_InterestBearingDomesticDepositTimeDeposits_3300" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3301" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits" xlink:label="Locator_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_3302" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3301" xlink:to="Locator_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_3302" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3303" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InterestBearingDomesticDepositCertificatesOfDepositsInstitutional" xlink:label="Locator_ofg_InterestBearingDomesticDepositCertificatesOfDepositsInstitutional_3304" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3303" xlink:to="Locator_ofg_InterestBearingDomesticDepositCertificatesOfDepositsInstitutional_3304" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3305" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsRetail" xlink:label="Locator_us-gaap_DepositsRetail_3306" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3305" xlink:to="Locator_us-gaap_DepositsRetail_3306" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3307" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestBearingDomesticDepositBrokered" xlink:label="Locator_us-gaap_InterestBearingDomesticDepositBrokered_3308" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3307" xlink:to="Locator_us-gaap_InterestBearingDomesticDepositBrokered_3308" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3309" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_3310" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_3309" xlink:to="Locator_us-gaap_Deposits_3310" order="8.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DepositsAndRelatedInterestInterestExpenseDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesAbstract" xlink:label="Locator_us-gaap_InterestExpenseDomesticDepositLiabilitiesAbstract_3321" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits" xlink:label="Locator_us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits_3322" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestExpenseDomesticDepositLiabilitiesAbstract_3321" xlink:to="Locator_us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits_3322" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesAbstract" xlink:label="Locator_us-gaap_InterestExpenseDomesticDepositLiabilitiesAbstract_3323" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesCertificatesOfDeposit" xlink:label="Locator_us-gaap_InterestExpenseDomesticDepositLiabilitiesCertificatesOfDeposit_3324" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestExpenseDomesticDepositLiabilitiesAbstract_3323" xlink:to="Locator_us-gaap_InterestExpenseDomesticDepositLiabilitiesCertificatesOfDeposit_3324" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesAbstract" xlink:label="Locator_us-gaap_InterestExpenseDomesticDepositLiabilitiesAbstract_3325" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:label="Locator_us-gaap_InterestExpenseDeposits_3326" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestExpenseDomesticDepositLiabilitiesAbstract_3325" xlink:to="Locator_us-gaap_InterestExpenseDeposits_3326" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DepositsAndRelatedInterestMaturitiesOfTimeDepositsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaturitiesOfTimeDepositsAbstract" xlink:label="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3331" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TimeDepositMaturitiesLessThanThreeMonth" xlink:label="Locator_ofg_TimeDepositMaturitiesLessThanThreeMonth_3332" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3331" xlink:to="Locator_ofg_TimeDepositMaturitiesLessThanThreeMonth_3332" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaturitiesOfTimeDepositsAbstract" xlink:label="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3333" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TimeDepositMaturitiesThreeToTwelveMonth" xlink:label="Locator_ofg_TimeDepositMaturitiesThreeToTwelveMonth_3334" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3333" xlink:to="Locator_ofg_TimeDepositMaturitiesThreeToTwelveMonth_3334" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaturitiesOfTimeDepositsAbstract" xlink:label="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3335" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TimeDepositMaturitiesYearOne" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearOne_3336" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3335" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearOne_3336" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaturitiesOfTimeDepositsAbstract" xlink:label="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3337" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TimeDepositMaturitiesYearTwo" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearTwo_3338" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3337" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearTwo_3338" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaturitiesOfTimeDepositsAbstract" xlink:label="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3339" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TimeDepositMaturitiesYearThree" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearThree_3340" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3339" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearThree_3340" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaturitiesOfTimeDepositsAbstract" xlink:label="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3341" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearFour_3342" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3341" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearFour_3342" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaturitiesOfTimeDepositsAbstract" xlink:label="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3343" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearFive_3344" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3343" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearFive_3344" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaturitiesOfTimeDepositsAbstract" xlink:label="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3345" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:label="Locator_us-gaap_TimeDepositMaturitiesAfterYearFive_3346" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3345" xlink:to="Locator_us-gaap_TimeDepositMaturitiesAfterYearFive_3346" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaturitiesOfTimeDepositsAbstract" xlink:label="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3347" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TotalTimeDepositsExcludingEquityIndexesOptions" xlink:label="Locator_ofg_TotalTimeDepositsExcludingEquityIndexesOptions_3348" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MaturitiesOfTimeDepositsAbstract_3347" xlink:to="Locator_ofg_TotalTimeDepositsExcludingEquityIndexesOptions_3348" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BusinessSegmentsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReconciliationFromSegmentTotalsToConsolidatedAbstract" xlink:label="Locator_us-gaap_ReconciliationFromSegmentTotalsToConsolidatedAbstract_3391" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable" xlink:label="Locator_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_3392" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReconciliationFromSegmentTotalsToConsolidatedAbstract_3391" xlink:to="Locator_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_3392" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable" xlink:label="Locator_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_3451" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_3452" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_3451" xlink:to="Locator_us-gaap_SegmentReportingInformationLineItems_3452" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_3365" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperating_3366" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_3365" xlink:to="Locator_us-gaap_InterestAndDividendIncomeOperating_3366" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_3367" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpense" xlink:label="Locator_us-gaap_InterestExpense_3368" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_3367" xlink:to="Locator_us-gaap_InterestExpense_3368" order="2.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_3369" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="Locator_us-gaap_InterestIncomeExpenseNet_3370" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_3369" xlink:to="Locator_us-gaap_InterestIncomeExpenseNet_3370" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_3371" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="Locator_us-gaap_ProvisionForLoanAndLeaseLosses_3372" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_3371" xlink:to="Locator_us-gaap_ProvisionForLoanAndLeaseLosses_3372" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_3373" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="Locator_us-gaap_NoninterestIncome_3374" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_3373" xlink:to="Locator_us-gaap_NoninterestIncome_3374" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_3375" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="Locator_us-gaap_NoninterestExpense_3376" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_3375" xlink:to="Locator_us-gaap_NoninterestExpense_3376" order="6.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_3377" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_IntersegmentRevenue" xlink:label="Locator_ofg_IntersegmentRevenue_3378" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_3377" xlink:to="Locator_ofg_IntersegmentRevenue_3378" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_3379" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_IntersegmentExpenses" xlink:label="Locator_ofg_IntersegmentExpenses_3380" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_3379" xlink:to="Locator_ofg_IntersegmentExpenses_3380" order="8.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_3381" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_3382" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_3381" xlink:to="Locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_3382" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_3383" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefit_3384" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_3383" xlink:to="Locator_us-gaap_IncomeTaxExpenseBenefit_3384" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_3385" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_3386" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_3385" xlink:to="Locator_us-gaap_NetIncomeLoss_3386" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_3387" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Assets" xlink:label="Locator_us-gaap_Assets_3388" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_3387" xlink:to="Locator_us-gaap_Assets_3388" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable" xlink:label="Locator_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_3453" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_3454" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_3453" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_3454" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_3455" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_3456" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_3455" xlink:to="Locator_us-gaap_SegmentDomain_3456" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_3459" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_WealthManagementMember" xlink:label="Locator_ofg_WealthManagementMember_3460" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_3459" xlink:to="Locator_ofg_WealthManagementMember_3460" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_3463" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MajorSegmentMember" xlink:label="Locator_ofg_MajorSegmentMember_3464" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_3463" xlink:to="Locator_ofg_MajorSegmentMember_3464" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_3467" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConsolidatedTotalMember" xlink:label="Locator_ofg_ConsolidatedTotalMember_3468" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_3467" xlink:to="Locator_ofg_ConsolidatedTotalMember_3468" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_3457" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BankingMember" xlink:label="Locator_ofg_BankingMember_3458" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_3457" xlink:to="Locator_ofg_BankingMember_3458" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_3461" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TreasuryMember" xlink:label="Locator_ofg_TreasuryMember_3462" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_3461" xlink:to="Locator_ofg_TreasuryMember_3462" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_3465" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IntersegmentEliminationMember" xlink:label="Locator_us-gaap_IntersegmentEliminationMember_3466" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_3465" xlink:to="Locator_us-gaap_IntersegmentEliminationMember_3466" order="5.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/CommitmentsAndContingenciesTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_3469" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfLineOfCreditFacilitiesTextBlock" xlink:label="Locator_us-gaap_ScheduleOfLineOfCreditFacilitiesTextBlock_3470" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_3469" xlink:to="Locator_us-gaap_ScheduleOfLineOfCreditFacilitiesTextBlock_3470" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_3471" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ContractualObligationFiscalYearMaturityScheduleTableTextBlock" xlink:label="Locator_us-gaap_ContractualObligationFiscalYearMaturityScheduleTableTextBlock_3472" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_3471" xlink:to="Locator_us-gaap_ContractualObligationFiscalYearMaturityScheduleTableTextBlock_3472" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/EquitybasedCompensationPlanNarrativesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityAbstract" xlink:label="Locator_us-gaap_EquityAbstract_3473" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_3474" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityAbstract_3473" xlink:to="Locator_us-gaap_StatementLineItems_3474" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_3475" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_3476" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_3475" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_3476" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_3477" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SaleOfStockPricePerShare" xlink:label="Locator_us-gaap_SaleOfStockPricePerShare_3478" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_3477" xlink:to="Locator_us-gaap_SaleOfStockPricePerShare_3478" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_3479" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_3480" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_3479" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_3480" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_3481" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorized" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorized_3482" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_3481" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorized_3482" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_3483" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:label="Locator_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_3484" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_3483" xlink:to="Locator_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_3484" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_3485" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xlink:label="Locator_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_3486" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_3485" xlink:to="Locator_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_3486" order="6.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BorrowingsAndRelatedInterestNarrativeDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_3641" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbCollateralAxis" xlink:label="Locator_ofg_FhlbCollateralAxis_3642" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_3641" xlink:to="Locator_ofg_FhlbCollateralAxis_3642" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbCollateralAxis" xlink:label="Locator_ofg_FhlbCollateralAxis_3649" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbCollateralDomain" xlink:label="Locator_ofg_FhlbCollateralDomain_3650" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FhlbCollateralAxis_3649" xlink:to="Locator_ofg_FhlbCollateralDomain_3650" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbCollateralDomain" xlink:label="Locator_ofg_FhlbCollateralDomain_3651" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_3652" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FhlbCollateralDomain_3651" xlink:to="Locator_us-gaap_MortgagesMember_3652" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbCollateralDomain" xlink:label="Locator_ofg_FhlbCollateralDomain_3653" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_3654" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FhlbCollateralDomain_3653" xlink:to="Locator_us-gaap_CommercialLoanMember_3654" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_3643" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_LegalEntityAxis" xlink:label="Locator_dei_LegalEntityAxis_3644" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_3643" xlink:to="Locator_dei_LegalEntityAxis_3644" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_LegalEntityAxis" xlink:label="Locator_dei_LegalEntityAxis_3687" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_3688" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_LegalEntityAxis_3687" xlink:to="Locator_dei_EntityDomain_3688" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_3655" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_StatutoryTrustIiMember" xlink:label="Locator_ofg_StatutoryTrustIiMember_3656" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_EntityDomain_3655" xlink:to="Locator_ofg_StatutoryTrustIiMember_3656" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_3645" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SubordinatedborrowingsAxis" xlink:label="Locator_ofg_SubordinatedborrowingsAxis_3646" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_3645" xlink:to="Locator_ofg_SubordinatedborrowingsAxis_3646" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SubordinatedborrowingsAxis" xlink:label="Locator_ofg_SubordinatedborrowingsAxis_3657" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubordinatedBorrowingNameDomain" xlink:label="Locator_us-gaap_SubordinatedBorrowingNameDomain_3658" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_SubordinatedborrowingsAxis_3657" xlink:to="Locator_us-gaap_SubordinatedBorrowingNameDomain_3658" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubordinatedBorrowingNameDomain" xlink:label="Locator_us-gaap_SubordinatedBorrowingNameDomain_3659" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SubordinatedCapitalNote2004Member" xlink:label="Locator_ofg_SubordinatedCapitalNote2004Member_3660" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SubordinatedBorrowingNameDomain_3659" xlink:to="Locator_ofg_SubordinatedCapitalNote2004Member_3660" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubordinatedBorrowingNameDomain" xlink:label="Locator_us-gaap_SubordinatedBorrowingNameDomain_3661" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SubordinatedCapitalNote2006Member" xlink:label="Locator_ofg_SubordinatedCapitalNote2006Member_3662" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SubordinatedBorrowingNameDomain_3661" xlink:to="Locator_ofg_SubordinatedCapitalNote2006Member_3662" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubordinatedBorrowingNameDomain" xlink:label="Locator_us-gaap_SubordinatedBorrowingNameDomain_3663" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SubordinatedCapitalNote2006FixedRateMember" xlink:label="Locator_ofg_SubordinatedCapitalNote2006FixedRateMember_3664" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SubordinatedBorrowingNameDomain_3663" xlink:to="Locator_ofg_SubordinatedCapitalNote2006FixedRateMember_3664" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_3637" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3638" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_3637" xlink:to="Locator_us-gaap_DebtInstrumentLineItems_3638" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3487" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansReceivableCommercialMortgage" xlink:label="Locator_us-gaap_LoansReceivableCommercialMortgage_3488" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3487" xlink:to="Locator_us-gaap_LoansReceivableCommercialMortgage_3488" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3489" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds" xlink:label="Locator_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds_3490" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3489" xlink:to="Locator_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds_3490" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3491" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbAdvancesWeightedAverageMaturity" xlink:label="Locator_ofg_FhlbAdvancesWeightedAverageMaturity_3492" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3491" xlink:to="Locator_ofg_FhlbAdvancesWeightedAverageMaturity_3492" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3493" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestPayableCurrentAndNoncurrent" xlink:label="Locator_us-gaap_InterestPayableCurrentAndNoncurrent_3494" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3493" xlink:to="Locator_us-gaap_InterestPayableCurrentAndNoncurrent_3494" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3495" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NewRepurchaseAgreementDebtAmount" xlink:label="Locator_ofg_NewRepurchaseAgreementDebtAmount_3496" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3495" xlink:to="Locator_ofg_NewRepurchaseAgreementDebtAmount_3496" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3497" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InvestmentSoldToExtinguishDebt" xlink:label="Locator_ofg_InvestmentSoldToExtinguishDebt_3498" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3497" xlink:to="Locator_ofg_InvestmentSoldToExtinguishDebt_3498" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3499" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ExtinguishedandMaturedDebt" xlink:label="Locator_ofg_ExtinguishedandMaturedDebt_3500" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3499" xlink:to="Locator_ofg_ExtinguishedandMaturedDebt_3500" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3501" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TotalOfDebtMaturedandExtinguishedUnderRepurchasedAgreement" xlink:label="Locator_ofg_TotalOfDebtMaturedandExtinguishedUnderRepurchasedAgreement_3502" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3501" xlink:to="Locator_ofg_TotalOfDebtMaturedandExtinguishedUnderRepurchasedAgreement_3502" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3503" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaturitiesOfSeniorDebt" xlink:label="Locator_us-gaap_MaturitiesOfSeniorDebt_3504" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3503" xlink:to="Locator_us-gaap_MaturitiesOfSeniorDebt_3504" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3507" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentUnamortizedPremium" xlink:label="Locator_us-gaap_DebtInstrumentUnamortizedPremium_3508" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3507" xlink:to="Locator_us-gaap_DebtInstrumentUnamortizedPremium_3508" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3509" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherBorrowings" xlink:label="Locator_us-gaap_OtherBorrowings_3510" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3509" xlink:to="Locator_us-gaap_OtherBorrowings_3510" order="12.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3511" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_IndexAppreciation" xlink:label="Locator_ofg_IndexAppreciation_3512" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3511" xlink:to="Locator_ofg_IndexAppreciation_3512" order="13.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3513" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubordinatedDebt" xlink:label="Locator_us-gaap_SubordinatedDebt_3514" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3513" xlink:to="Locator_us-gaap_SubordinatedDebt_3514" order="14.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3515" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TemporaryEquityCarryingAmountAttributableToParent" xlink:label="Locator_us-gaap_TemporaryEquityCarryingAmountAttributableToParent_3516" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3515" xlink:to="Locator_us-gaap_TemporaryEquityCarryingAmountAttributableToParent_3516" order="15.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3517" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierTwoRiskBasedCapital" xlink:label="Locator_us-gaap_TierTwoRiskBasedCapital_3518" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3517" xlink:to="Locator_us-gaap_TierTwoRiskBasedCapital_3518" order="16.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3519" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NextCallDate" xlink:label="Locator_ofg_NextCallDate_3520" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3519" xlink:to="Locator_ofg_NextCallDate_3520" order="17.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3521" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentInterestRateTerms" xlink:label="Locator_us-gaap_DebtInstrumentInterestRateTerms_3522" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3521" xlink:to="Locator_us-gaap_DebtInstrumentInterestRateTerms_3522" order="18.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3523" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:label="Locator_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_3524" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3523" xlink:to="Locator_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_3524" order="19.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3525" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt" xlink:label="Locator_us-gaap_GainsLossesOnExtinguishmentOfDebt_3526" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3525" xlink:to="Locator_us-gaap_GainsLossesOnExtinguishmentOfDebt_3526" order="20.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3527" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepaymentsOfSubordinatedDebt" xlink:label="Locator_us-gaap_RepaymentsOfSubordinatedDebt_3528" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3527" xlink:to="Locator_us-gaap_RepaymentsOfSubordinatedDebt_3528" order="21.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3529" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MinimumAmountOfqualifyingCollateral" xlink:label="Locator_ofg_MinimumAmountOfqualifyingCollateral_3530" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3529" xlink:to="Locator_ofg_MinimumAmountOfqualifyingCollateral_3530" order="22.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3531" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepaymentsOfDebt" xlink:label="Locator_us-gaap_RepaymentsOfDebt_3532" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3531" xlink:to="Locator_us-gaap_RepaymentsOfDebt_3532" order="23.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3505" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtWeightedAverageInterestRate" xlink:label="Locator_us-gaap_DebtWeightedAverageInterestRate_3506" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3505" xlink:to="Locator_us-gaap_DebtWeightedAverageInterestRate_3506" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_3639" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="Locator_us-gaap_DebtInstrumentAxis_3640" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_3639" xlink:to="Locator_us-gaap_DebtInstrumentAxis_3640" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="Locator_us-gaap_DebtInstrumentAxis_3665" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_3666" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentAxis_3665" xlink:to="Locator_us-gaap_DebtInstrumentNameDomain_3666" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_3669" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TemporaryLiquidityGuaranteeProgramMember" xlink:label="Locator_ofg_TemporaryLiquidityGuaranteeProgramMember_3670" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_3669" xlink:to="Locator_ofg_TemporaryLiquidityGuaranteeProgramMember_3670" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_3671" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnsecuredDebtMember" xlink:label="Locator_us-gaap_UnsecuredDebtMember_3672" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_3671" xlink:to="Locator_us-gaap_UnsecuredDebtMember_3672" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_3673" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShortTermDebtMember" xlink:label="Locator_us-gaap_ShortTermDebtMember_3674" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_3673" xlink:to="Locator_us-gaap_ShortTermDebtMember_3674" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_3675" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepurchaseAgreementsMember" xlink:label="Locator_us-gaap_RepurchaseAgreementsMember_3676" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_3675" xlink:to="Locator_us-gaap_RepurchaseAgreementsMember_3676" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_3677" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherBorrowingsExcludingFederalFundsMember" xlink:label="Locator_ofg_OtherBorrowingsExcludingFederalFundsMember_3678" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_3677" xlink:to="Locator_ofg_OtherBorrowingsExcludingFederalFundsMember_3678" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_3679" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalFundsPurchasedMember" xlink:label="Locator_us-gaap_FederalFundsPurchasedMember_3680" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_3679" xlink:to="Locator_us-gaap_FederalFundsPurchasedMember_3680" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_3667" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMember" xlink:label="Locator_us-gaap_FederalHomeLoanBankAdvancesMember_3668" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_3667" xlink:to="Locator_us-gaap_FederalHomeLoanBankAdvancesMember_3668" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_3647" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DebtDueDateAxis" xlink:label="Locator_ofg_DebtDueDateAxis_3648" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_3647" xlink:to="Locator_ofg_DebtDueDateAxis_3648" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DebtDueDateAxis" xlink:label="Locator_ofg_DebtDueDateAxis_3681" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_3682" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DebtDueDateAxis_3681" xlink:to="Locator_ofg_RepurchaseAgreementsDueDateDomain_3682" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_3683" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Duedate62019memberMember" xlink:label="Locator_ofg_Duedate62019memberMember_3684" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_3683" xlink:to="Locator_ofg_Duedate62019memberMember_3684" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_3685" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Duedate122019memberMember" xlink:label="Locator_ofg_Duedate122019memberMember_3686" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_3685" xlink:to="Locator_ofg_Duedate122019memberMember_3686" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentsAbstract" xlink:label="Locator_us-gaap_DebtInstrumentsAbstract_3535" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_3536" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentsAbstract_3535" xlink:to="Locator_us-gaap_DebtInstrumentTable_3536" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BorrowingsSecuritiesSoldUnderAgreementToRepurchaseByCounterpartiesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_3737" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CounterpartyNameAxis" xlink:label="Locator_us-gaap_CounterpartyNameAxis_3738" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_3737" xlink:to="Locator_us-gaap_CounterpartyNameAxis_3738" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CounterpartyNameAxis" xlink:label="Locator_us-gaap_CounterpartyNameAxis_3741" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3742" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CounterpartyNameAxis_3741" xlink:to="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3742" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3745" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PRMoneyMarketFundMember" xlink:label="Locator_ofg_PRMoneyMarketFundMember_3746" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3745" xlink:to="Locator_ofg_PRMoneyMarketFundMember_3746" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3747" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_JpMorganChaseBankMember" xlink:label="Locator_ofg_JpMorganChaseBankMember_3748" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3747" xlink:to="Locator_ofg_JpMorganChaseBankMember_3748" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3749" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FHLBMember" xlink:label="Locator_ofg_FHLBMember_3750" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3749" xlink:to="Locator_ofg_FHLBMember_3750" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3751" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CreditSuisseLlcMember" xlink:label="Locator_ofg_CreditSuisseLlcMember_3752" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3751" xlink:to="Locator_ofg_CreditSuisseLlcMember_3752" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3753" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GoldmanSachsMember" xlink:label="Locator_ofg_GoldmanSachsMember_3754" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3753" xlink:to="Locator_ofg_GoldmanSachsMember_3754" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3755" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AmherstPierpontMember" xlink:label="Locator_ofg_AmherstPierpontMember_3756" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3755" xlink:to="Locator_ofg_AmherstPierpontMember_3756" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3757" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NomuraMember" xlink:label="Locator_ofg_NomuraMember_3758" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3757" xlink:to="Locator_ofg_NomuraMember_3758" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3759" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CitigroupMember" xlink:label="Locator_ofg_CitigroupMember_3760" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3759" xlink:to="Locator_ofg_CitigroupMember_3760" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3761" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_JvbFinancialMember" xlink:label="Locator_ofg_JvbFinancialMember_3762" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3761" xlink:to="Locator_ofg_JvbFinancialMember_3762" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3763" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SouthStreetSecuritiesLlcMember" xlink:label="Locator_ofg_SouthStreetSecuritiesLlcMember_3764" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_3763" xlink:to="Locator_ofg_SouthStreetSecuritiesLlcMember_3764" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_3733" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3734" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_3733" xlink:to="Locator_us-gaap_DebtInstrumentLineItems_3734" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3691" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PledgedAssetsSeparatelyReportedOtherAssetsPledgedAsCollateralAtFairValue" xlink:label="Locator_us-gaap_PledgedAssetsSeparatelyReportedOtherAssetsPledgedAsCollateralAtFairValue_3692" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3691" xlink:to="Locator_us-gaap_PledgedAssetsSeparatelyReportedOtherAssetsPledgedAsCollateralAtFairValue_3692" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3689" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligations" xlink:label="Locator_us-gaap_DebtAndCapitalLeaseObligations_3690" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3689" xlink:to="Locator_us-gaap_DebtAndCapitalLeaseObligations_3690" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_3735" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="Locator_us-gaap_DebtInstrumentAxis_3736" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_3735" xlink:to="Locator_us-gaap_DebtInstrumentAxis_3736" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="Locator_us-gaap_DebtInstrumentAxis_3743" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_3744" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentAxis_3743" xlink:to="Locator_us-gaap_DebtInstrumentNameDomain_3744" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_3739" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember" xlink:label="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_3740" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_3739" xlink:to="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_3740" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="Locator_us-gaap_DebtDisclosureAbstract_3695" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_3696" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtDisclosureAbstract_3695" xlink:to="Locator_us-gaap_DebtInstrumentTable_3696" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BorrowingsRepurchaseAgreementsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_3819" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3820" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_3819" xlink:to="Locator_us-gaap_DebtInstrumentLineItems_3820" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3765" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligations" xlink:label="Locator_us-gaap_DebtAndCapitalLeaseObligations_3766" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3765" xlink:to="Locator_us-gaap_DebtAndCapitalLeaseObligations_3766" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3767" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtWeightedAverageInterestRate" xlink:label="Locator_us-gaap_DebtWeightedAverageInterestRate_3768" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3767" xlink:to="Locator_us-gaap_DebtWeightedAverageInterestRate_3768" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3769" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentRepurchaseAgreementDateOfAgreement" xlink:label="Locator_invest_InvestmentRepurchaseAgreementDateOfAgreement_3770" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3769" xlink:to="Locator_invest_InvestmentRepurchaseAgreementDateOfAgreement_3770" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_3771" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentRepurchaseAgreementRepurchaseDate" xlink:label="Locator_invest_InvestmentRepurchaseAgreementRepurchaseDate_3772" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_3771" xlink:to="Locator_invest_InvestmentRepurchaseAgreementRepurchaseDate_3772" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_3821" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="Locator_us-gaap_DebtInstrumentAxis_3822" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_3821" xlink:to="Locator_us-gaap_DebtInstrumentAxis_3822" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="Locator_us-gaap_DebtInstrumentAxis_3825" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_3826" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentAxis_3825" xlink:to="Locator_us-gaap_DebtInstrumentNameDomain_3826" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_3827" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember" xlink:label="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_3828" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_3827" xlink:to="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_3828" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_3823" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DebtDueDateAxis" xlink:label="Locator_ofg_DebtDueDateAxis_3824" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_3823" xlink:to="Locator_ofg_DebtDueDateAxis_3824" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DebtDueDateAxis" xlink:label="Locator_ofg_DebtDueDateAxis_3829" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_3830" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DebtDueDateAxis_3829" xlink:to="Locator_ofg_RepurchaseAgreementsDueDateDomain_3830" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_3831" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DueDate12092019Member" xlink:label="Locator_ofg_DueDate12092019Member_3832" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_3831" xlink:to="Locator_ofg_DueDate12092019Member_3832" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_3833" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DueDate932019Member" xlink:label="Locator_ofg_DueDate932019Member_3834" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_3833" xlink:to="Locator_ofg_DueDate932019Member_3834" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_3835" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DueDate10022018Member" xlink:label="Locator_ofg_DueDate10022018Member_3836" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_3835" xlink:to="Locator_ofg_DueDate10022018Member_3836" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_3837" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Duedate10102018memberMember" xlink:label="Locator_ofg_Duedate10102018memberMember_3838" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_3837" xlink:to="Locator_ofg_Duedate10102018memberMember_3838" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_3839" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Duedate10152018memberMember" xlink:label="Locator_ofg_Duedate10152018memberMember_3840" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_3839" xlink:to="Locator_ofg_Duedate10152018memberMember_3840" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_3841" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Duedate10252018memberMember" xlink:label="Locator_ofg_Duedate10252018memberMember_3842" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_3841" xlink:to="Locator_ofg_Duedate10252018memberMember_3842" order="6.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_3843" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Duedate07062020memberMember" xlink:label="Locator_ofg_Duedate07062020memberMember_3844" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_3843" xlink:to="Locator_ofg_Duedate07062020memberMember_3844" order="7.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_3845" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DueDate09032019Member" xlink:label="Locator_ofg_DueDate09032019Member_3846" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_3845" xlink:to="Locator_ofg_DueDate09032019Member_3846" order="8.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_3847" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DueDate322020Member" xlink:label="Locator_ofg_DueDate322020Member_3848" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_3847" xlink:to="Locator_ofg_DueDate322020Member_3848" order="9.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_3849" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Duedate3152020memberMember" xlink:label="Locator_ofg_Duedate3152020memberMember_3850" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_3849" xlink:to="Locator_ofg_Duedate3152020memberMember_3850" order="10.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_3851" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Duedate3232020memberMember" xlink:label="Locator_ofg_Duedate3232020memberMember_3852" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_3851" xlink:to="Locator_ofg_Duedate3232020memberMember_3852" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="Locator_us-gaap_DebtDisclosureAbstract_3775" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_3776" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtDisclosureAbstract_3775" xlink:to="Locator_us-gaap_DebtInstrumentTable_3776" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivableAgingOfRecordedInvestmentInGrossLoansDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4021" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4022" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4021" xlink:to="Locator_us-gaap_ConventionalLoanMember_4022" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4045" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HomeEquityMember" xlink:label="Locator_us-gaap_HomeEquityMember_4046" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4045" xlink:to="Locator_us-gaap_HomeEquityMember_4046" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4031" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedUpToYear2002Member" xlink:label="Locator_ofg_OriginatedUpToYear2002Member_4032" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4031" xlink:to="Locator_ofg_OriginatedUpToYear2002Member_4032" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4033" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedInYears2003And2004Member" xlink:label="Locator_ofg_OriginatedInYears2003And2004Member_4034" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4033" xlink:to="Locator_ofg_OriginatedInYears2003And2004Member_4034" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4035" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedInYear2005Member" xlink:label="Locator_ofg_OriginatedInYear2005Member_4036" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4035" xlink:to="Locator_ofg_OriginatedInYear2005Member_4036" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4037" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedInYear2006Member" xlink:label="Locator_ofg_OriginatedInYear2006Member_4038" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4037" xlink:to="Locator_ofg_OriginatedInYear2006Member_4038" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4039" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedInYears20072008And2009Member" xlink:label="Locator_ofg_OriginatedInYears20072008And2009Member_4040" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4039" xlink:to="Locator_ofg_OriginatedInYears20072008And2009Member_4040" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4041" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedInYears2010201120122013Member" xlink:label="Locator_ofg_OriginatedInYears2010201120122013Member_4042" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4041" xlink:to="Locator_ofg_OriginatedInYears2010201120122013Member_4042" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4043" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Originatedinyears201420152016and2017Member" xlink:label="Locator_ofg_Originatedinyears201420152016and2017Member_4044" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4043" xlink:to="Locator_ofg_Originatedinyears201420152016and2017Member_4044" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4023" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NontraditionalMortgageMember" xlink:label="Locator_ofg_NontraditionalMortgageMember_4024" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4023" xlink:to="Locator_ofg_NontraditionalMortgageMember_4024" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4025" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LossMitigationProgramMember" xlink:label="Locator_ofg_LossMitigationProgramMember_4026" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4025" xlink:to="Locator_ofg_LossMitigationProgramMember_4026" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4027" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TotalTraditionalNonTraditionalAndLossMitigationProgramMember" xlink:label="Locator_ofg_TotalTraditionalNonTraditionalAndLossMitigationProgramMember_4028" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4027" xlink:to="Locator_ofg_TotalTraditionalNonTraditionalAndLossMitigationProgramMember_4028" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4029" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GnmasBuyBackOptionRelatedMember" xlink:label="Locator_ofg_GnmasBuyBackOptionRelatedMember_4030" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4029" xlink:to="Locator_ofg_GnmasBuyBackOptionRelatedMember_4030" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_4057" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4058" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommercialLoanMember_4057" xlink:to="Locator_ofg_CommercialSecuredMember_4058" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4061" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CorporateCommercialSecuredMember" xlink:label="Locator_ofg_CorporateCommercialSecuredMember_4062" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4061" xlink:to="Locator_ofg_CorporateCommercialSecuredMember_4062" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4063" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InstitutionalCommercialSecuredMember" xlink:label="Locator_ofg_InstitutionalCommercialSecuredMember_4064" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4063" xlink:to="Locator_ofg_InstitutionalCommercialSecuredMember_4064" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4065" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MiddleMarketCommercialSecuredMember" xlink:label="Locator_ofg_MiddleMarketCommercialSecuredMember_4066" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4065" xlink:to="Locator_ofg_MiddleMarketCommercialSecuredMember_4066" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4067" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RetailCommercialSecuredMember" xlink:label="Locator_ofg_RetailCommercialSecuredMember_4068" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4067" xlink:to="Locator_ofg_RetailCommercialSecuredMember_4068" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4069" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FloorPlanCommercialSecuredMember" xlink:label="Locator_ofg_FloorPlanCommercialSecuredMember_4070" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4069" xlink:to="Locator_ofg_FloorPlanCommercialSecuredMember_4070" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4071" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RealEstateCommercialSecuredMember" xlink:label="Locator_ofg_RealEstateCommercialSecuredMember_4072" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4071" xlink:to="Locator_ofg_RealEstateCommercialSecuredMember_4072" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_4059" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialMember" xlink:label="Locator_ofg_OtherCommercialMember_4060" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommercialLoanMember_4059" xlink:to="Locator_ofg_OtherCommercialMember_4060" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialMember" xlink:label="Locator_ofg_OtherCommercialMember_4003" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InstitutionalOtherCommercialMember" xlink:label="Locator_ofg_InstitutionalOtherCommercialMember_4004" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherCommercialMember_4003" xlink:to="Locator_ofg_InstitutionalOtherCommercialMember_4004" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialMember" xlink:label="Locator_ofg_OtherCommercialMember_4001" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CorporateOtherCommercialMember" xlink:label="Locator_ofg_CorporateOtherCommercialMember_4002" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherCommercialMember_4001" xlink:to="Locator_ofg_CorporateOtherCommercialMember_4002" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialMember" xlink:label="Locator_ofg_OtherCommercialMember_4005" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MiddleMarketOtherCommercialMember" xlink:label="Locator_ofg_MiddleMarketOtherCommercialMember_4006" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherCommercialMember_4005" xlink:to="Locator_ofg_MiddleMarketOtherCommercialMember_4006" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialMember" xlink:label="Locator_ofg_OtherCommercialMember_4007" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RetailOtherCommercialMember" xlink:label="Locator_ofg_RetailOtherCommercialMember_4008" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherCommercialMember_4007" xlink:to="Locator_ofg_RetailOtherCommercialMember_4008" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialMember" xlink:label="Locator_ofg_OtherCommercialMember_4009" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FloorPlanOtherCommercialMember" xlink:label="Locator_ofg_FloorPlanOtherCommercialMember_4010" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherCommercialMember_4009" xlink:to="Locator_ofg_FloorPlanOtherCommercialMember_4010" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_4073" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_4074" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_4073" xlink:to="Locator_us-gaap_ReceivableTypeDomain_4074" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4047" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CreditCardReceivablesMember" xlink:label="Locator_us-gaap_CreditCardReceivablesMember_4048" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4047" xlink:to="Locator_us-gaap_CreditCardReceivablesMember_4048" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4049" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankOverdraftsMember" xlink:label="Locator_us-gaap_BankOverdraftsMember_4050" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4049" xlink:to="Locator_us-gaap_BankOverdraftsMember_4050" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4051" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_UnsecuredPersonalLinesOfCreditMember" xlink:label="Locator_ofg_UnsecuredPersonalLinesOfCreditMember_4052" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4051" xlink:to="Locator_ofg_UnsecuredPersonalLinesOfCreditMember_4052" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4053" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_UnsecuredPersonalLoansMember" xlink:label="Locator_ofg_UnsecuredPersonalLoansMember_4054" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4053" xlink:to="Locator_ofg_UnsecuredPersonalLoansMember_4054" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4055" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CashCollateralPersonalLoansMember" xlink:label="Locator_ofg_CashCollateralPersonalLoansMember_4056" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4055" xlink:to="Locator_ofg_CashCollateralPersonalLoansMember_4056" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_3995" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredLoanMember" xlink:label="Locator_ofg_NonAcquiredLoanMember_3996" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_3995" xlink:to="Locator_ofg_NonAcquiredLoanMember_3996" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_3997" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansMember" xlink:label="Locator_ofg_AcquiredLoansMember_3998" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_3997" xlink:to="Locator_ofg_AcquiredLoansMember_3998" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansMember" xlink:label="Locator_ofg_AcquiredLoansMember_4075" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedForUnderAsc31020Member" xlink:label="Locator_ofg_AccountedForUnderAsc31020Member_4076" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AcquiredLoansMember_4075" xlink:to="Locator_ofg_AccountedForUnderAsc31020Member_4076" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3999" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4000" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3999" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4000" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4011" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4012" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4011" xlink:to="Locator_us-gaap_MortgagesMember_4012" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4013" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_4014" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4013" xlink:to="Locator_us-gaap_CommercialLoanMember_4014" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4015" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4016" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4015" xlink:to="Locator_us-gaap_ConsumerLoanMember_4016" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4017" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AutoAndLeasingLoansReceivableMember" xlink:label="Locator_ofg_AutoAndLeasingLoansReceivableMember_4018" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4017" xlink:to="Locator_ofg_AutoAndLeasingLoansReceivableMember_4018" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4019" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AutomobileLoanMember" xlink:label="Locator_us-gaap_AutomobileLoanMember_4020" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4019" xlink:to="Locator_us-gaap_AutomobileLoanMember_4020" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="Locator_us-gaap_ReceivablesAbstract_3871" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3872" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivablesAbstract_3871" xlink:to="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3872" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3989" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3990" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3989" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3990" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3853" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DaysPastDue3059" xlink:label="Locator_ofg_DaysPastDue3059_3854" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3853" xlink:to="Locator_ofg_DaysPastDue3059_3854" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3855" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DaysPastDue6089" xlink:label="Locator_ofg_DaysPastDue6089_3856" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3855" xlink:to="Locator_ofg_DaysPastDue6089_3856" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3857" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Financingreceivablerecordedinvestmentequaltooverthan90dayspastdue" xlink:label="Locator_ofg_Financingreceivablerecordedinvestmentequaltooverthan90dayspastdue_3858" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3857" xlink:to="Locator_ofg_Financingreceivablerecordedinvestmentequaltooverthan90dayspastdue_3858" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3859" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDue_3860" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3859" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDue_3860" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3861" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CurrentButNonAccrualLoans" xlink:label="Locator_ofg_CurrentButNonAccrualLoans_3862" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3861" xlink:to="Locator_ofg_CurrentButNonAccrualLoans_3862" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3863" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentCurrent_3864" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3863" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentCurrent_3864" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3865" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_3866" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3865" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_3866" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3867" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_3868" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_3867" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_3868" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3991" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_3992" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3991" xlink:to="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_3992" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3993" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3994" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3993" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3994" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivableInvestmentInLoansOnNonaccrualStatusDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4193" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4194" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4193" xlink:to="Locator_us-gaap_ConventionalLoanMember_4194" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4201" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedUpToYear2002Member" xlink:label="Locator_ofg_OriginatedUpToYear2002Member_4202" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4201" xlink:to="Locator_ofg_OriginatedUpToYear2002Member_4202" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4203" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedInYears2003And2004Member" xlink:label="Locator_ofg_OriginatedInYears2003And2004Member_4204" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4203" xlink:to="Locator_ofg_OriginatedInYears2003And2004Member_4204" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4205" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedInYear2005Member" xlink:label="Locator_ofg_OriginatedInYear2005Member_4206" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4205" xlink:to="Locator_ofg_OriginatedInYear2005Member_4206" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4207" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedInYear2006Member" xlink:label="Locator_ofg_OriginatedInYear2006Member_4208" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4207" xlink:to="Locator_ofg_OriginatedInYear2006Member_4208" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4209" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedInYears20072008And2009Member" xlink:label="Locator_ofg_OriginatedInYears20072008And2009Member_4210" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4209" xlink:to="Locator_ofg_OriginatedInYears20072008And2009Member_4210" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4211" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedInYears2010201120122013Member" xlink:label="Locator_ofg_OriginatedInYears2010201120122013Member_4212" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4211" xlink:to="Locator_ofg_OriginatedInYears2010201120122013Member_4212" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4213" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Originatedinyears201420152016and2017Member" xlink:label="Locator_ofg_Originatedinyears201420152016and2017Member_4214" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4213" xlink:to="Locator_ofg_Originatedinyears201420152016and2017Member_4214" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4195" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NontraditionalMortgageMember" xlink:label="Locator_ofg_NontraditionalMortgageMember_4196" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4195" xlink:to="Locator_ofg_NontraditionalMortgageMember_4196" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4197" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LossMitigationProgramMember" xlink:label="Locator_ofg_LossMitigationProgramMember_4198" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4197" xlink:to="Locator_ofg_LossMitigationProgramMember_4198" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4199" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HomeEquityMember" xlink:label="Locator_us-gaap_HomeEquityMember_4200" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4199" xlink:to="Locator_us-gaap_HomeEquityMember_4200" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_4225" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4226" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommercialLoanMember_4225" xlink:to="Locator_ofg_CommercialSecuredMember_4226" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4229" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InstitutionalCommercialSecuredMember" xlink:label="Locator_ofg_InstitutionalCommercialSecuredMember_4230" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4229" xlink:to="Locator_ofg_InstitutionalCommercialSecuredMember_4230" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4235" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MiddleMarketCommercialSecuredMember" xlink:label="Locator_ofg_MiddleMarketCommercialSecuredMember_4236" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4235" xlink:to="Locator_ofg_MiddleMarketCommercialSecuredMember_4236" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4233" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RetailCommercialSecuredMember" xlink:label="Locator_ofg_RetailCommercialSecuredMember_4234" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4233" xlink:to="Locator_ofg_RetailCommercialSecuredMember_4234" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4231" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FloorPlanCommercialSecuredMember" xlink:label="Locator_ofg_FloorPlanCommercialSecuredMember_4232" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4231" xlink:to="Locator_ofg_FloorPlanCommercialSecuredMember_4232" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_4227" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialMember" xlink:label="Locator_ofg_OtherCommercialMember_4228" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommercialLoanMember_4227" xlink:to="Locator_ofg_OtherCommercialMember_4228" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialMember" xlink:label="Locator_ofg_OtherCommercialMember_4175" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CorporateOtherCommercialMember" xlink:label="Locator_ofg_CorporateOtherCommercialMember_4176" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherCommercialMember_4175" xlink:to="Locator_ofg_CorporateOtherCommercialMember_4176" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialMember" xlink:label="Locator_ofg_OtherCommercialMember_4177" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MiddleMarketOtherCommercialMember" xlink:label="Locator_ofg_MiddleMarketOtherCommercialMember_4178" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherCommercialMember_4177" xlink:to="Locator_ofg_MiddleMarketOtherCommercialMember_4178" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialMember" xlink:label="Locator_ofg_OtherCommercialMember_4179" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RetailOtherCommercialMember" xlink:label="Locator_ofg_RetailOtherCommercialMember_4180" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherCommercialMember_4179" xlink:to="Locator_ofg_RetailOtherCommercialMember_4180" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialMember" xlink:label="Locator_ofg_OtherCommercialMember_4181" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FloorPlanOtherCommercialMember" xlink:label="Locator_ofg_FloorPlanOtherCommercialMember_4182" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherCommercialMember_4181" xlink:to="Locator_ofg_FloorPlanOtherCommercialMember_4182" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_4237" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_4238" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_4237" xlink:to="Locator_us-gaap_ReceivableTypeDomain_4238" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_4167" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoanMember" xlink:label="Locator_ofg_LoanMember_4168" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_4167" xlink:to="Locator_ofg_LoanMember_4168" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoanMember" xlink:label="Locator_ofg_LoanMember_4169" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredLoanMember" xlink:label="Locator_ofg_NonAcquiredLoanMember_4170" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoanMember_4169" xlink:to="Locator_ofg_NonAcquiredLoanMember_4170" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoanMember" xlink:label="Locator_ofg_LoanMember_4171" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedForUnderAsc31020Member" xlink:label="Locator_ofg_AccountedForUnderAsc31020Member_4172" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoanMember_4171" xlink:to="Locator_ofg_AccountedForUnderAsc31020Member_4172" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4215" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CreditCardReceivablesMember" xlink:label="Locator_us-gaap_CreditCardReceivablesMember_4216" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4215" xlink:to="Locator_us-gaap_CreditCardReceivablesMember_4216" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4217" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankOverdraftsMember" xlink:label="Locator_us-gaap_BankOverdraftsMember_4218" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4217" xlink:to="Locator_us-gaap_BankOverdraftsMember_4218" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4219" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_UnsecuredPersonalLinesOfCreditMember" xlink:label="Locator_ofg_UnsecuredPersonalLinesOfCreditMember_4220" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4219" xlink:to="Locator_ofg_UnsecuredPersonalLinesOfCreditMember_4220" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4221" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_UnsecuredPersonalLoansMember" xlink:label="Locator_ofg_UnsecuredPersonalLoansMember_4222" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4221" xlink:to="Locator_ofg_UnsecuredPersonalLoansMember_4222" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4223" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CashCollateralPersonalLoansMember" xlink:label="Locator_ofg_CashCollateralPersonalLoansMember_4224" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4223" xlink:to="Locator_ofg_CashCollateralPersonalLoansMember_4224" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4173" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4174" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4173" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4174" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4183" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4184" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4183" xlink:to="Locator_us-gaap_MortgagesMember_4184" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4185" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_4186" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4185" xlink:to="Locator_us-gaap_CommercialLoanMember_4186" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4187" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4188" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4187" xlink:to="Locator_us-gaap_ConsumerLoanMember_4188" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4189" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AutoAndLeasingLoansReceivableMember" xlink:label="Locator_ofg_AutoAndLeasingLoansReceivableMember_4190" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4189" xlink:to="Locator_ofg_AutoAndLeasingLoansReceivableMember_4190" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4191" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AutomobileLoanMember" xlink:label="Locator_us-gaap_AutomobileLoanMember_4192" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4191" xlink:to="Locator_us-gaap_AutomobileLoanMember_4192" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="Locator_us-gaap_ReceivablesAbstract_4081" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivableRecordedInvestmentTable" xlink:label="Locator_ofg_FinancingReceivableRecordedInvestmentTable_4082" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivablesAbstract_4081" xlink:to="Locator_ofg_FinancingReceivableRecordedInvestmentTable_4082" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivableRecordedInvestmentTable" xlink:label="Locator_ofg_FinancingReceivableRecordedInvestmentTable_4161" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_4162" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancingReceivableRecordedInvestmentTable_4161" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_4162" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_4077" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_4078" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_4077" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_4078" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivableRecordedInvestmentTable" xlink:label="Locator_ofg_FinancingReceivableRecordedInvestmentTable_4163" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_4164" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancingReceivableRecordedInvestmentTable_4163" xlink:to="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_4164" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivableRecordedInvestmentTable" xlink:label="Locator_ofg_FinancingReceivableRecordedInvestmentTable_4165" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4166" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancingReceivableRecordedInvestmentTable_4165" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4166" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivableCreditQualityIndicatorOfLoansDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4407" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4408" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4407" xlink:to="Locator_us-gaap_ConventionalLoanMember_4408" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4409" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NontraditionalMortgageMember" xlink:label="Locator_ofg_NontraditionalMortgageMember_4410" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4409" xlink:to="Locator_ofg_NontraditionalMortgageMember_4410" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4411" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LossMitigationProgramMember" xlink:label="Locator_ofg_LossMitigationProgramMember_4412" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4411" xlink:to="Locator_ofg_LossMitigationProgramMember_4412" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4413" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HomeEquityMember" xlink:label="Locator_us-gaap_HomeEquityMember_4414" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4413" xlink:to="Locator_us-gaap_HomeEquityMember_4414" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4415" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GnmasBuyBackOptionRelatedMember" xlink:label="Locator_ofg_GnmasBuyBackOptionRelatedMember_4416" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4415" xlink:to="Locator_ofg_GnmasBuyBackOptionRelatedMember_4416" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4355" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CorporateCommercialSecuredMember" xlink:label="Locator_ofg_CorporateCommercialSecuredMember_4356" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4355" xlink:to="Locator_ofg_CorporateCommercialSecuredMember_4356" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4357" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InstitutionalCommercialSecuredMember" xlink:label="Locator_ofg_InstitutionalCommercialSecuredMember_4358" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4357" xlink:to="Locator_ofg_InstitutionalCommercialSecuredMember_4358" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4359" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MiddleMarketCommercialSecuredMember" xlink:label="Locator_ofg_MiddleMarketCommercialSecuredMember_4360" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4359" xlink:to="Locator_ofg_MiddleMarketCommercialSecuredMember_4360" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4361" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RetailCommercialSecuredMember" xlink:label="Locator_ofg_RetailCommercialSecuredMember_4362" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4361" xlink:to="Locator_ofg_RetailCommercialSecuredMember_4362" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4363" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FloorPlanCommercialSecuredMember" xlink:label="Locator_ofg_FloorPlanCommercialSecuredMember_4364" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4363" xlink:to="Locator_ofg_FloorPlanCommercialSecuredMember_4364" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4365" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RealEstateCommercialSecuredMember" xlink:label="Locator_ofg_RealEstateCommercialSecuredMember_4366" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CommercialSecuredMember_4365" xlink:to="Locator_ofg_RealEstateCommercialSecuredMember_4366" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4417" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CreditCardReceivablesMember" xlink:label="Locator_us-gaap_CreditCardReceivablesMember_4418" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4417" xlink:to="Locator_us-gaap_CreditCardReceivablesMember_4418" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4419" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankOverdraftsMember" xlink:label="Locator_us-gaap_BankOverdraftsMember_4420" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4419" xlink:to="Locator_us-gaap_BankOverdraftsMember_4420" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4421" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_UnsecuredPersonalLinesOfCreditMember" xlink:label="Locator_ofg_UnsecuredPersonalLinesOfCreditMember_4422" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4421" xlink:to="Locator_ofg_UnsecuredPersonalLinesOfCreditMember_4422" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4423" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_UnsecuredPersonalLoansMember" xlink:label="Locator_ofg_UnsecuredPersonalLoansMember_4424" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4423" xlink:to="Locator_ofg_UnsecuredPersonalLoansMember_4424" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4425" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CashCollateralPersonalLoansMember" xlink:label="Locator_ofg_CashCollateralPersonalLoansMember_4426" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4425" xlink:to="Locator_ofg_CashCollateralPersonalLoansMember_4426" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4427" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PersonalLoansMember" xlink:label="Locator_ofg_PersonalLoansMember_4428" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4427" xlink:to="Locator_ofg_PersonalLoansMember_4428" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="Locator_us-gaap_ReceivablesAbstract_4253" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_4254" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivablesAbstract_4253" xlink:to="Locator_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_4254" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_4349" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CreditQualityIndicatorsLineItems" xlink:label="Locator_ofg_CreditQualityIndicatorsLineItems_4350" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_4349" xlink:to="Locator_ofg_CreditQualityIndicatorsLineItems_4350" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CreditQualityIndicatorsLineItems" xlink:label="Locator_ofg_CreditQualityIndicatorsLineItems_4239" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_4240" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CreditQualityIndicatorsLineItems_4239" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_4240" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CreditQualityIndicatorsLineItems" xlink:label="Locator_ofg_CreditQualityIndicatorsLineItems_4241" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RiskRatingPass" xlink:label="Locator_ofg_RiskRatingPass_4242" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CreditQualityIndicatorsLineItems_4241" xlink:to="Locator_ofg_RiskRatingPass_4242" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CreditQualityIndicatorsLineItems" xlink:label="Locator_ofg_CreditQualityIndicatorsLineItems_4243" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RiskRatingSpecialMention" xlink:label="Locator_ofg_RiskRatingSpecialMention_4244" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CreditQualityIndicatorsLineItems_4243" xlink:to="Locator_ofg_RiskRatingSpecialMention_4244" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CreditQualityIndicatorsLineItems" xlink:label="Locator_ofg_CreditQualityIndicatorsLineItems_4245" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RiskRatingSubstandard" xlink:label="Locator_ofg_RiskRatingSubstandard_4246" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CreditQualityIndicatorsLineItems_4245" xlink:to="Locator_ofg_RiskRatingSubstandard_4246" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CreditQualityIndicatorsLineItems" xlink:label="Locator_ofg_CreditQualityIndicatorsLineItems_4247" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RiskRatingDoubtful" xlink:label="Locator_ofg_RiskRatingDoubtful_4248" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CreditQualityIndicatorsLineItems_4247" xlink:to="Locator_ofg_RiskRatingDoubtful_4248" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CreditQualityIndicatorsLineItems" xlink:label="Locator_ofg_CreditQualityIndicatorsLineItems_4249" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansClassifiedAsLoss" xlink:label="Locator_ofg_LoansClassifiedAsLoss_4250" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CreditQualityIndicatorsLineItems_4249" xlink:to="Locator_ofg_LoansClassifiedAsLoss_4250" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_4351" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivablesInvestmentTypeAxis" xlink:label="Locator_ofg_FinancingReceivablesInvestmentTypeAxis_4352" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_4351" xlink:to="Locator_ofg_FinancingReceivablesInvestmentTypeAxis_4352" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivablesInvestmentTypeAxis" xlink:label="Locator_ofg_FinancingReceivablesInvestmentTypeAxis_4373" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivablesInvestmentTypeDomain" xlink:label="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4374" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancingReceivablesInvestmentTypeAxis_4373" xlink:to="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4374" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivablesInvestmentTypeDomain" xlink:label="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4375" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialSecuredMember" xlink:label="Locator_ofg_CommercialSecuredMember_4376" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4375" xlink:to="Locator_ofg_CommercialSecuredMember_4376" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivablesInvestmentTypeDomain" xlink:label="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4377" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialAndIndustrialMember" xlink:label="Locator_ofg_OtherCommercialAndIndustrialMember_4378" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4377" xlink:to="Locator_ofg_OtherCommercialAndIndustrialMember_4378" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialAndIndustrialMember" xlink:label="Locator_ofg_OtherCommercialAndIndustrialMember_4389" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CorporateOtherCommercialMember" xlink:label="Locator_ofg_CorporateOtherCommercialMember_4390" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherCommercialAndIndustrialMember_4389" xlink:to="Locator_ofg_CorporateOtherCommercialMember_4390" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialAndIndustrialMember" xlink:label="Locator_ofg_OtherCommercialAndIndustrialMember_4391" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InstitutionalOtherCommercialMember" xlink:label="Locator_ofg_InstitutionalOtherCommercialMember_4392" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherCommercialAndIndustrialMember_4391" xlink:to="Locator_ofg_InstitutionalOtherCommercialMember_4392" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialAndIndustrialMember" xlink:label="Locator_ofg_OtherCommercialAndIndustrialMember_4393" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MiddleMarketOtherCommercialMember" xlink:label="Locator_ofg_MiddleMarketOtherCommercialMember_4394" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherCommercialAndIndustrialMember_4393" xlink:to="Locator_ofg_MiddleMarketOtherCommercialMember_4394" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialAndIndustrialMember" xlink:label="Locator_ofg_OtherCommercialAndIndustrialMember_4395" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RetailOtherCommercialMember" xlink:label="Locator_ofg_RetailOtherCommercialMember_4396" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherCommercialAndIndustrialMember_4395" xlink:to="Locator_ofg_RetailOtherCommercialMember_4396" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherCommercialAndIndustrialMember" xlink:label="Locator_ofg_OtherCommercialAndIndustrialMember_4397" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FloorPlanOtherCommercialMember" xlink:label="Locator_ofg_FloorPlanOtherCommercialMember_4398" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherCommercialAndIndustrialMember_4397" xlink:to="Locator_ofg_FloorPlanOtherCommercialMember_4398" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivablesInvestmentTypeDomain" xlink:label="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4379" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConstructionAndCommercialRealEstateMember" xlink:label="Locator_ofg_ConstructionAndCommercialRealEstateMember_4380" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4379" xlink:to="Locator_ofg_ConstructionAndCommercialRealEstateMember_4380" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivablesInvestmentTypeDomain" xlink:label="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4381" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_4382" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4381" xlink:to="Locator_us-gaap_CommercialLoanMember_4382" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivablesInvestmentTypeDomain" xlink:label="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4383" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TotalCommercialSubjectToRiskRatingMember" xlink:label="Locator_ofg_TotalCommercialSubjectToRiskRatingMember_4384" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4383" xlink:to="Locator_ofg_TotalCommercialSubjectToRiskRatingMember_4384" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivablesInvestmentTypeDomain" xlink:label="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4385" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RetailMember" xlink:label="Locator_ofg_RetailMember_4386" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4385" xlink:to="Locator_ofg_RetailMember_4386" order="6.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RetailMember" xlink:label="Locator_ofg_RetailMember_4399" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4400" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RetailMember_4399" xlink:to="Locator_us-gaap_MortgagesMember_4400" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RetailMember" xlink:label="Locator_ofg_RetailMember_4401" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4402" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RetailMember_4401" xlink:to="Locator_us-gaap_ConsumerLoanMember_4402" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RetailMember" xlink:label="Locator_ofg_RetailMember_4403" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AutoAndLeasingLoansReceivableMember" xlink:label="Locator_ofg_AutoAndLeasingLoansReceivableMember_4404" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RetailMember_4403" xlink:to="Locator_ofg_AutoAndLeasingLoansReceivableMember_4404" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RetailMember" xlink:label="Locator_ofg_RetailMember_4405" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AutomobileLoanMember" xlink:label="Locator_us-gaap_AutomobileLoanMember_4406" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RetailMember_4405" xlink:to="Locator_us-gaap_AutomobileLoanMember_4406" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivablesInvestmentTypeDomain" xlink:label="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4387" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TotalcommercialandRetailloanssubjecttoriskratingmemberMember" xlink:label="Locator_ofg_TotalcommercialandRetailloanssubjecttoriskratingmemberMember_4388" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancingReceivablesInvestmentTypeDomain_4387" xlink:to="Locator_ofg_TotalcommercialandRetailloanssubjecttoriskratingmemberMember_4388" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_4353" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredNonAcquiredLoansByInstitutionAxis" xlink:label="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_4354" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_4353" xlink:to="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_4354" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredNonAcquiredLoansByInstitutionAxis" xlink:label="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_4367" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain" xlink:label="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4368" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_4367" xlink:to="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4368" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain" xlink:label="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4371" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansUnderAsc31020Member" xlink:label="Locator_ofg_AcquiredLoansUnderAsc31020Member_4372" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4371" xlink:to="Locator_ofg_AcquiredLoansUnderAsc31020Member_4372" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain" xlink:label="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4369" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredLoanMember" xlink:label="Locator_ofg_NonAcquiredLoanMember_4370" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4369" xlink:to="Locator_ofg_NonAcquiredLoanMember_4370" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivableRiskCategoryOfGrossLoansNotSubjectToRiskRatingDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4547" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4548" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4547" xlink:to="Locator_us-gaap_ConventionalLoanMember_4548" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4559" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedUpToYear2002Member" xlink:label="Locator_ofg_OriginatedUpToYear2002Member_4560" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4559" xlink:to="Locator_ofg_OriginatedUpToYear2002Member_4560" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4561" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedInYears2003And2004Member" xlink:label="Locator_ofg_OriginatedInYears2003And2004Member_4562" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4561" xlink:to="Locator_ofg_OriginatedInYears2003And2004Member_4562" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4563" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedInYear2005Member" xlink:label="Locator_ofg_OriginatedInYear2005Member_4564" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4563" xlink:to="Locator_ofg_OriginatedInYear2005Member_4564" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4565" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedInYear2006Member" xlink:label="Locator_ofg_OriginatedInYear2006Member_4566" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4565" xlink:to="Locator_ofg_OriginatedInYear2006Member_4566" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4567" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedInYears20072008And2009Member" xlink:label="Locator_ofg_OriginatedInYears20072008And2009Member_4568" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4567" xlink:to="Locator_ofg_OriginatedInYears20072008And2009Member_4568" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4569" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedInYears2010201120122013Member" xlink:label="Locator_ofg_OriginatedInYears2010201120122013Member_4570" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4569" xlink:to="Locator_ofg_OriginatedInYears2010201120122013Member_4570" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_4571" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Originatedinyears201420152016and2017Member" xlink:label="Locator_ofg_Originatedinyears201420152016and2017Member_4572" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConventionalLoanMember_4571" xlink:to="Locator_ofg_Originatedinyears201420152016and2017Member_4572" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4549" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NontraditionalMortgageMember" xlink:label="Locator_ofg_NontraditionalMortgageMember_4550" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4549" xlink:to="Locator_ofg_NontraditionalMortgageMember_4550" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4551" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LossMitigationProgramMember" xlink:label="Locator_ofg_LossMitigationProgramMember_4552" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4551" xlink:to="Locator_ofg_LossMitigationProgramMember_4552" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4553" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TotalTraditionalNonTraditionalAndLossMitigationProgramMember" xlink:label="Locator_ofg_TotalTraditionalNonTraditionalAndLossMitigationProgramMember_4554" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4553" xlink:to="Locator_ofg_TotalTraditionalNonTraditionalAndLossMitigationProgramMember_4554" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4555" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HomeEquityMember" xlink:label="Locator_us-gaap_HomeEquityMember_4556" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4555" xlink:to="Locator_us-gaap_HomeEquityMember_4556" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4557" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GnmasBuyBackOptionRelatedMember" xlink:label="Locator_ofg_GnmasBuyBackOptionRelatedMember_4558" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MortgagesMember_4557" xlink:to="Locator_ofg_GnmasBuyBackOptionRelatedMember_4558" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_4585" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_4586" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_4585" xlink:to="Locator_us-gaap_ReceivableTypeDomain_4586" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_4531" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonCoveredLoanNotSubjectToRiskRatingsMember" xlink:label="Locator_ofg_NonCoveredLoanNotSubjectToRiskRatingsMember_4532" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_4531" xlink:to="Locator_ofg_NonCoveredLoanNotSubjectToRiskRatingsMember_4532" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonCoveredLoanNotSubjectToRiskRatingsMember" xlink:label="Locator_ofg_NonCoveredLoanNotSubjectToRiskRatingsMember_4533" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedLoansNotSubjectToRiskRatingMember" xlink:label="Locator_ofg_OriginatedLoansNotSubjectToRiskRatingMember_4534" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NonCoveredLoanNotSubjectToRiskRatingsMember_4533" xlink:to="Locator_ofg_OriginatedLoansNotSubjectToRiskRatingMember_4534" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonCoveredLoanNotSubjectToRiskRatingsMember" xlink:label="Locator_ofg_NonCoveredLoanNotSubjectToRiskRatingsMember_4535" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedForUnderAsc31020NotSubjectToRiskRatingMember" xlink:label="Locator_ofg_AccountedForUnderAsc31020NotSubjectToRiskRatingMember_4536" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NonCoveredLoanNotSubjectToRiskRatingsMember_4535" xlink:to="Locator_ofg_AccountedForUnderAsc31020NotSubjectToRiskRatingMember_4536" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4573" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CreditCardReceivablesMember" xlink:label="Locator_us-gaap_CreditCardReceivablesMember_4574" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4573" xlink:to="Locator_us-gaap_CreditCardReceivablesMember_4574" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4575" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankOverdraftsMember" xlink:label="Locator_us-gaap_BankOverdraftsMember_4576" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4575" xlink:to="Locator_us-gaap_BankOverdraftsMember_4576" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4577" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_UnsecuredPersonalLinesOfCreditMember" xlink:label="Locator_ofg_UnsecuredPersonalLinesOfCreditMember_4578" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4577" xlink:to="Locator_ofg_UnsecuredPersonalLinesOfCreditMember_4578" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4579" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_UnsecuredPersonalLoansMember" xlink:label="Locator_ofg_UnsecuredPersonalLoansMember_4580" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4579" xlink:to="Locator_ofg_UnsecuredPersonalLoansMember_4580" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4581" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CashCollateralPersonalLoansMember" xlink:label="Locator_ofg_CashCollateralPersonalLoansMember_4582" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4581" xlink:to="Locator_ofg_CashCollateralPersonalLoansMember_4582" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4583" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PersonalLoansMember" xlink:label="Locator_ofg_PersonalLoansMember_4584" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ConsumerLoanMember_4583" xlink:to="Locator_ofg_PersonalLoansMember_4584" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4537" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4538" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4537" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4538" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4539" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4540" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4539" xlink:to="Locator_us-gaap_MortgagesMember_4540" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4541" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4542" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4541" xlink:to="Locator_us-gaap_ConsumerLoanMember_4542" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4543" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AutoAndLeasingLoansReceivableMember" xlink:label="Locator_ofg_AutoAndLeasingLoansReceivableMember_4544" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4543" xlink:to="Locator_ofg_AutoAndLeasingLoansReceivableMember_4544" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4545" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AutomobileLoanMember" xlink:label="Locator_us-gaap_AutomobileLoanMember_4546" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4545" xlink:to="Locator_us-gaap_AutomobileLoanMember_4546" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="Locator_us-gaap_ReceivablesAbstract_4447" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_4448" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivablesAbstract_4447" xlink:to="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_4448" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_4525" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NotSubjectToRiskRatingLineItems" xlink:label="Locator_ofg_NotSubjectToRiskRatingLineItems_4526" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_4525" xlink:to="Locator_ofg_NotSubjectToRiskRatingLineItems_4526" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NotSubjectToRiskRatingLineItems" xlink:label="Locator_ofg_NotSubjectToRiskRatingLineItems_4429" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_4430" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NotSubjectToRiskRatingLineItems_4429" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_4430" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NotSubjectToRiskRatingLineItems" xlink:label="Locator_ofg_NotSubjectToRiskRatingLineItems_4431" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DaysPastDue029" xlink:label="Locator_ofg_DaysPastDue029_4432" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NotSubjectToRiskRatingLineItems_4431" xlink:to="Locator_ofg_DaysPastDue029_4432" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NotSubjectToRiskRatingLineItems" xlink:label="Locator_ofg_NotSubjectToRiskRatingLineItems_4433" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DaysPastDue3059" xlink:label="Locator_ofg_DaysPastDue3059_4434" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NotSubjectToRiskRatingLineItems_4433" xlink:to="Locator_ofg_DaysPastDue3059_4434" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NotSubjectToRiskRatingLineItems" xlink:label="Locator_ofg_NotSubjectToRiskRatingLineItems_4435" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DaysPastDue6089" xlink:label="Locator_ofg_DaysPastDue6089_4436" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NotSubjectToRiskRatingLineItems_4435" xlink:to="Locator_ofg_DaysPastDue6089_4436" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NotSubjectToRiskRatingLineItems" xlink:label="Locator_ofg_NotSubjectToRiskRatingLineItems_4437" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivableRecordedInvestment90To119DaysPastDue" xlink:label="Locator_ofg_FinancingReceivableRecordedInvestment90To119DaysPastDue_4438" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NotSubjectToRiskRatingLineItems_4437" xlink:to="Locator_ofg_FinancingReceivableRecordedInvestment90To119DaysPastDue_4438" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NotSubjectToRiskRatingLineItems" xlink:label="Locator_ofg_NotSubjectToRiskRatingLineItems_4439" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivableRecordedInvestment120To364DaysPastDue" xlink:label="Locator_ofg_FinancingReceivableRecordedInvestment120To364DaysPastDue_4440" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NotSubjectToRiskRatingLineItems_4439" xlink:to="Locator_ofg_FinancingReceivableRecordedInvestment120To364DaysPastDue_4440" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NotSubjectToRiskRatingLineItems" xlink:label="Locator_ofg_NotSubjectToRiskRatingLineItems_4441" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivableRecordedInvestmentEqualToGreaterThan365DaysPastDue" xlink:label="Locator_ofg_FinancingReceivableRecordedInvestmentEqualToGreaterThan365DaysPastDue_4442" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NotSubjectToRiskRatingLineItems_4441" xlink:to="Locator_ofg_FinancingReceivableRecordedInvestmentEqualToGreaterThan365DaysPastDue_4442" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NotSubjectToRiskRatingLineItems" xlink:label="Locator_ofg_NotSubjectToRiskRatingLineItems_4443" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:label="Locator_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_4444" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NotSubjectToRiskRatingLineItems_4443" xlink:to="Locator_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_4444" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_4527" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_4528" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_4527" xlink:to="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_4528" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_4529" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4530" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_4529" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4530" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivableTDRPrePostModificationsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4635" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4636" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4635" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4636" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4637" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4638" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4637" xlink:to="Locator_us-gaap_MortgagesMember_4638" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4639" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_4640" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4639" xlink:to="Locator_us-gaap_CommercialLoanMember_4640" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4641" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4642" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4641" xlink:to="Locator_us-gaap_ConsumerLoanMember_4642" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4643" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AutomobileLoanMember" xlink:label="Locator_us-gaap_AutomobileLoanMember_4644" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4643" xlink:to="Locator_us-gaap_AutomobileLoanMember_4644" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="Locator_us-gaap_ReceivablesAbstract_4603" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_4604" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivablesAbstract_4603" xlink:to="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_4604" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_4631" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_4632" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_4631" xlink:to="Locator_us-gaap_FinancingReceivableModificationsLineItems_4632" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_4587" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:label="Locator_us-gaap_FinancingReceivableModificationsNumberOfContracts2_4588" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_4587" xlink:to="Locator_us-gaap_FinancingReceivableModificationsNumberOfContracts2_4588" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_4589" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2" xlink:label="Locator_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2_4590" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_4589" xlink:to="Locator_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2_4590" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_4591" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PreModificationWeightedAverageRate" xlink:label="Locator_ofg_PreModificationWeightedAverageRate_4592" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_4591" xlink:to="Locator_ofg_PreModificationWeightedAverageRate_4592" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_4593" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PreModificationWeightedAverageTerm" xlink:label="Locator_ofg_PreModificationWeightedAverageTerm_4594" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_4593" xlink:to="Locator_ofg_PreModificationWeightedAverageTerm_4594" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_4595" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:label="Locator_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_4596" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_4595" xlink:to="Locator_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_4596" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_4597" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PostModificationWeightedAverageRate" xlink:label="Locator_ofg_PostModificationWeightedAverageRate_4598" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_4597" xlink:to="Locator_ofg_PostModificationWeightedAverageRate_4598" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_4599" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PostModificationWeightedAverageTerm" xlink:label="Locator_ofg_PostModificationWeightedAverageTerm_4600" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_4599" xlink:to="Locator_ofg_PostModificationWeightedAverageTerm_4600" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_4633" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4634" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_4633" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4634" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AllowanceForLoanAndLeaseLossesAllowanceForLoanAndLeaseLossesDetails">
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_4751" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_4752" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_4751" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_4752" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_4753" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedForUnderAsc31020Member" xlink:label="Locator_ofg_AccountedForUnderAsc31020Member_4754" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_4753" xlink:to="Locator_ofg_AccountedForUnderAsc31020Member_4754" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_4755" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedForUnderAsc31030Member" xlink:label="Locator_ofg_AccountedForUnderAsc31030Member_4756" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_4755" xlink:to="Locator_ofg_AccountedForUnderAsc31030Member_4756" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4723" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4724" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4723" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4724" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4739" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConstructionLoansMember" xlink:label="Locator_us-gaap_ConstructionLoansMember_4740" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4739" xlink:to="Locator_us-gaap_ConstructionLoansMember_4740" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4733" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinanceLeasesPortfolioSegmentMember" xlink:label="Locator_us-gaap_FinanceLeasesPortfolioSegmentMember_4734" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4733" xlink:to="Locator_us-gaap_FinanceLeasesPortfolioSegmentMember_4734" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4725" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4726" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4725" xlink:to="Locator_us-gaap_MortgagesMember_4726" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4727" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_4728" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4727" xlink:to="Locator_us-gaap_CommercialLoanMember_4728" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4729" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4730" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4729" xlink:to="Locator_us-gaap_ConsumerLoanMember_4730" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4735" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AutoAndLeasingLoansReceivableMember" xlink:label="Locator_ofg_AutoAndLeasingLoansReceivableMember_4736" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4735" xlink:to="Locator_ofg_AutoAndLeasingLoansReceivableMember_4736" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4737" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnallocatedFinancingReceivablesMember" xlink:label="Locator_us-gaap_UnallocatedFinancingReceivablesMember_4738" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4737" xlink:to="Locator_us-gaap_UnallocatedFinancingReceivablesMember_4738" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4731" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AutomobileLoanMember" xlink:label="Locator_us-gaap_AutomobileLoanMember_4732" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4731" xlink:to="Locator_us-gaap_AutomobileLoanMember_4732" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4741" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember" xlink:label="Locator_ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember_4742" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4741" xlink:to="Locator_ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember_4742" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4743" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialAndOtherConstructionMember" xlink:label="Locator_ofg_CommercialAndOtherConstructionMember_4744" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4743" xlink:to="Locator_ofg_CommercialAndOtherConstructionMember_4744" order="10.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredNonAcquiredLoansByInstitutionAxis" xlink:label="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_4745" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain" xlink:label="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4746" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_4745" xlink:to="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4746" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain" xlink:label="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4749" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansMember" xlink:label="Locator_ofg_AcquiredLoansMember_4750" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4749" xlink:to="Locator_ofg_AcquiredLoansMember_4750" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain" xlink:label="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4747" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredLoanMember" xlink:label="Locator_ofg_NonAcquiredLoanMember_4748" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4747" xlink:to="Locator_ofg_NonAcquiredLoanMember_4748" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4645" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_4646" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4645" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_4646" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_4651" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_4652" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_4651" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_4652" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_4653" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery_4654" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_4653" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery_4654" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_4655" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="Locator_us-gaap_ProvisionForLoanAndLeaseLosses_4656" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_4655" xlink:to="Locator_us-gaap_ProvisionForLoanAndLeaseLosses_4656" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_4657" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AllowanceDeRecognitionFromNewPolicy" xlink:label="Locator_ofg_AllowanceDeRecognitionFromNewPolicy_4658" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_4657" xlink:to="Locator_ofg_AllowanceDeRecognitionFromNewPolicy_4658" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_4649" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLosses_4650" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_4649" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLosses_4650" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_4659" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLosses_4660" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_4659" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLosses_4660" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ValuationAllowanceAbstract" xlink:label="Locator_us-gaap_ValuationAllowanceAbstract_4661" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4662" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ValuationAllowanceAbstract_4661" xlink:to="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4662" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4717" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredNonAcquiredLoansByInstitutionAxis" xlink:label="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_4718" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4717" xlink:to="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_4718" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4715" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4716" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4715" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4716" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4719" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_4720" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4719" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_4720" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4721" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4722" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4721" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4722" order="3.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AllowanceForLoanAndLeaseLossesGrossLoanAndAllowanceForLoanAndLeaseLossesDetails">
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_4845" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_4846" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_4845" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_4846" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_4847" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedForUnderAsc31020Member" xlink:label="Locator_ofg_AccountedForUnderAsc31020Member_4848" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_4847" xlink:to="Locator_ofg_AccountedForUnderAsc31020Member_4848" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_4849" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedForUnderAsc31030Member" xlink:label="Locator_ofg_AccountedForUnderAsc31030Member_4850" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_4849" xlink:to="Locator_ofg_AccountedForUnderAsc31030Member_4850" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4825" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4826" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4825" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4826" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4833" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AuotomobileloansportfoliosegmentMember" xlink:label="Locator_ofg_AuotomobileloansportfoliosegmentMember_4834" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4833" xlink:to="Locator_ofg_AuotomobileloansportfoliosegmentMember_4834" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4835" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinanceLeasesPortfolioSegmentMember" xlink:label="Locator_us-gaap_FinanceLeasesPortfolioSegmentMember_4836" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4835" xlink:to="Locator_us-gaap_FinanceLeasesPortfolioSegmentMember_4836" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4827" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4828" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4827" xlink:to="Locator_us-gaap_MortgagesMember_4828" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4829" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_4830" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4829" xlink:to="Locator_us-gaap_CommercialLoanMember_4830" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4831" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4832" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4831" xlink:to="Locator_us-gaap_ConsumerLoanMember_4832" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4837" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AutoAndLeasingLoansReceivableMember" xlink:label="Locator_ofg_AutoAndLeasingLoansReceivableMember_4838" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4837" xlink:to="Locator_ofg_AutoAndLeasingLoansReceivableMember_4838" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4839" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnallocatedFinancingReceivablesMember" xlink:label="Locator_us-gaap_UnallocatedFinancingReceivablesMember_4840" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4839" xlink:to="Locator_us-gaap_UnallocatedFinancingReceivablesMember_4840" order="7.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredNonAcquiredLoansByInstitutionAxis" xlink:label="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_4841" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain" xlink:label="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4842" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_4841" xlink:to="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4842" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain" xlink:label="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4843" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredLoanMember" xlink:label="Locator_ofg_NonAcquiredLoanMember_4844" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_4843" xlink:to="Locator_ofg_NonAcquiredLoanMember_4844" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4757" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_4758" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4757" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_4758" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4759" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_4760" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4759" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_4760" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4761" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLosses_4762" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4761" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLosses_4762" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4763" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:label="Locator_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_4764" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4763" xlink:to="Locator_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_4764" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4765" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:label="Locator_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment_4766" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4765" xlink:to="Locator_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment_4766" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4767" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_4768" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4767" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_4768" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ValuationAllowanceAbstract" xlink:label="Locator_us-gaap_ValuationAllowanceAbstract_4771" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4772" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ValuationAllowanceAbstract_4771" xlink:to="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4772" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4819" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredNonAcquiredLoansByInstitutionAxis" xlink:label="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_4820" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4819" xlink:to="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_4820" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4817" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4818" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4817" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4818" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4821" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_4822" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4821" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_4822" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4823" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4824" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_4823" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4824" order="3.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivableEurobankAcquiredLoanCarryingAmountsDetails">
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTable" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTable_4893" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4894" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTable_4893" xlink:to="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4894" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4861" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLosses_4862" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4861" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLosses_4862" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4851" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableAtAcquisition" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableAtAcquisition_4852" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4851" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableAtAcquisition_4852" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4853" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference_4854" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4853" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference_4854" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4855" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodCashFlowsExpectedToBeCollectedAtAcquisition" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodCashFlowsExpectedToBeCollectedAtAcquisition_4856" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4855" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodCashFlowsExpectedToBeCollectedAtAcquisition_4856" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4857" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferAccretableYield" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferAccretableYield_4858" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4857" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferAccretableYield_4858" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4859" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAtAcquisitionAtFairValue" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAtAcquisitionAtFairValue_4860" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4859" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAtAcquisitionAtFairValue_4860" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4863" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet_4864" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_4863" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet_4864" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTable" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTable_4895" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis" xlink:label="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_4896" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTable_4895" xlink:to="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_4896" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis" xlink:label="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_4897" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_4898" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_4897" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_4898" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_4899" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansInFDICAssistedTransactionMember" xlink:label="Locator_ofg_AcquiredLoansInFDICAssistedTransactionMember_4900" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_4899" xlink:to="Locator_ofg_AcquiredLoansInFDICAssistedTransactionMember_4900" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivableAccretableYieldAndNonaccretableDiscountActivityDetails">
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis" xlink:label="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_4979" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_4980" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_4979" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_4980" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_4981" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedSC31030NonCoveredLoansMember" xlink:label="Locator_ofg_AccountedSC31030NonCoveredLoansMember_4982" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_4981" xlink:to="Locator_ofg_AccountedSC31030NonCoveredLoansMember_4982" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAbstract" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAbstract_4929" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansandleasesreceivablecoveredandnotcoveredTable" xlink:label="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_4930" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAbstract_4929" xlink:to="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_4930" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansandleasesreceivablecoveredandnotcoveredTable" xlink:label="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_4973" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems" xlink:label="Locator_ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems_4974" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_4973" xlink:to="Locator_ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems_4974" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems" xlink:label="Locator_ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems_4901" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_4902" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems_4901" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_4902" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_4909" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions_4910" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_4909" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions_4910" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_4911" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion_4912" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_4911" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion_4912" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_4913" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ChangeInExpectedCashFlow" xlink:label="Locator_ofg_ChangeInExpectedCashFlow_4914" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_4913" xlink:to="Locator_ofg_ChangeInExpectedCashFlow_4914" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_4915" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Certainloansacquiredintransfernotaccountedforasdebtsecuritiesaccretableyieldreclassificationsfromtononaccretabledifference" xlink:label="Locator_ofg_Certainloansacquiredintransfernotaccountedforasdebtsecuritiesaccretableyieldreclassificationsfromtononaccretabledifference_4916" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_4915" xlink:to="Locator_ofg_Certainloansacquiredintransfernotaccountedforasdebtsecuritiesaccretableyieldreclassificationsfromtononaccretabledifference_4916" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_4907" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield_4908" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_4907" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield_4908" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_4917" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield_4918" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_4917" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield_4918" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems" xlink:label="Locator_ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems_4903" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_4904" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems_4903" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_4904" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_4921" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableYieldAdditions" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableYieldAdditions_4922" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_4921" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableYieldAdditions_4922" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_4923" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountPrincipalLosses" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountPrincipalLosses_4924" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_4923" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountPrincipalLosses_4924" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_4925" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountReclassificationsFromAccretableYield" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountReclassificationsFromAccretableYield_4926" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_4925" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountReclassificationsFromAccretableYield_4926" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_4919" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference_4920" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_4919" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference_4920" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_4927" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference_4928" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_4927" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference_4928" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansandleasesreceivablecoveredandnotcoveredTable" xlink:label="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_4975" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis" xlink:label="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_4976" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_4975" xlink:to="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_4976" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansandleasesreceivablecoveredandnotcoveredTable" xlink:label="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_4977" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_4978" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_4977" xlink:to="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_4978" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_4983" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_4984" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_4983" xlink:to="Locator_us-gaap_ReceivableTypeDomain_4984" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_4985" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_4986" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_4985" xlink:to="Locator_us-gaap_MortgagesMember_4986" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_4989" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConstructionLoansMember" xlink:label="Locator_us-gaap_ConstructionLoansMember_4990" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_4989" xlink:to="Locator_us-gaap_ConstructionLoansMember_4990" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_4991" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AutomobileLoanMember" xlink:label="Locator_us-gaap_AutomobileLoanMember_4992" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_4991" xlink:to="Locator_us-gaap_AutomobileLoanMember_4992" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_4987" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_4988" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_4987" xlink:to="Locator_us-gaap_CommercialLoanMember_4988" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_4993" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_4994" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_4993" xlink:to="Locator_us-gaap_ConsumerLoanMember_4994" order="5.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AllowanceForLoanAndLeaseLossesAllowanceForAcquiredEurobankLoanAndLeaseLossesDetails">
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_5051" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansInFDICAssistedTransactionMember" xlink:label="Locator_ofg_AcquiredLoansInFDICAssistedTransactionMember_5052" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_5051" xlink:to="Locator_ofg_AcquiredLoansInFDICAssistedTransactionMember_5052" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_5057" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_5058" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_5057" xlink:to="Locator_us-gaap_CommercialLoanMember_5058" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_5055" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember" xlink:label="Locator_ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember_5056" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_5055" xlink:to="Locator_ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember_5056" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_5061" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AutoAndLeasingLoansReceivableMember" xlink:label="Locator_ofg_AutoAndLeasingLoansReceivableMember_5062" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_5061" xlink:to="Locator_ofg_AutoAndLeasingLoansReceivableMember_5062" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_5059" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_5060" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_5059" xlink:to="Locator_us-gaap_ConsumerLoanMember_5060" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5063" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_5064" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5063" xlink:to="Locator_us-gaap_ReceivableTypeDomain_5064" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ValuationAllowanceAbstract" xlink:label="Locator_us-gaap_ValuationAllowanceAbstract_5011" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansReceivableAcquiredTable" xlink:label="Locator_ofg_LoansReceivableAcquiredTable_5012" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ValuationAllowanceAbstract_5011" xlink:to="Locator_ofg_LoansReceivableAcquiredTable_5012" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansReceivableAcquiredTable" xlink:label="Locator_ofg_LoansReceivableAcquiredTable_5045" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_5046" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoansReceivableAcquiredTable_5045" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_5046" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4995" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_4996" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_4995" xlink:to="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_4996" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_5001" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="Locator_us-gaap_ProvisionForLoanAndLeaseLosses_5002" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_5001" xlink:to="Locator_us-gaap_ProvisionForLoanAndLeaseLosses_5002" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_5003" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_5004" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_5003" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_5004" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_5005" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FDICIndemnificationAssetAdditionalEstimatedLosses" xlink:label="Locator_us-gaap_FDICIndemnificationAssetAdditionalEstimatedLosses_5006" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_5005" xlink:to="Locator_us-gaap_FDICIndemnificationAssetAdditionalEstimatedLosses_5006" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_5007" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AllowanceDeRecognitionFromNewPolicy" xlink:label="Locator_ofg_AllowanceDeRecognitionFromNewPolicy_5008" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_5007" xlink:to="Locator_ofg_AllowanceDeRecognitionFromNewPolicy_5008" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_4999" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLosses_5000" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_4999" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLosses_5000" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_5009" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLosses_5010" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_5009" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLosses_5010" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansReceivableAcquiredTable" xlink:label="Locator_ofg_LoansReceivableAcquiredTable_5047" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansReceivableCoveredAxis" xlink:label="Locator_ofg_LoansReceivableCoveredAxis_5048" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoansReceivableAcquiredTable_5047" xlink:to="Locator_ofg_LoansReceivableCoveredAxis_5048" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansReceivableCoveredAxis" xlink:label="Locator_ofg_LoansReceivableCoveredAxis_5053" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_5054" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoansReceivableCoveredAxis_5053" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_5054" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansReceivableAcquiredTable" xlink:label="Locator_ofg_LoansReceivableAcquiredTable_5049" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5050" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoansReceivableAcquiredTable_5049" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5050" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/InvestmentsSecuritiesTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_5065" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentTableTextBlock" xlink:label="Locator_invest_InvestmentTableTextBlock_5066" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsAbstract_5065" xlink:to="Locator_invest_InvestmentTableTextBlock_5066" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_5067" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RealizedGainLossOnInvestmentsTableTextBlock" xlink:label="Locator_us-gaap_RealizedGainLossOnInvestmentsTableTextBlock_5068" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsAbstract_5067" xlink:to="Locator_us-gaap_RealizedGainLossOnInvestmentsTableTextBlock_5068" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_5069" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock" xlink:label="Locator_us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock_5070" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsAbstract_5069" xlink:to="Locator_us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock_5070" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_5071" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsTableTextBlock" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsTableTextBlock_5072" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsAbstract_5071" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsTableTextBlock_5072" order="4.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivableRecordedInvestmentInLoansIndividuallyEvaluatedForImpairmentDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5137" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5138" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5137" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5138" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5139" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialImpairedLoansWithSpecificAllowanceMember" xlink:label="Locator_ofg_CommercialImpairedLoansWithSpecificAllowanceMember_5140" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5139" xlink:to="Locator_ofg_CommercialImpairedLoansWithSpecificAllowanceMember_5140" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5141" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ResidentialTroubledDebtRestructuringImpairedLoansWithSpecificAllowanceMember" xlink:label="Locator_ofg_ResidentialTroubledDebtRestructuringImpairedLoansWithSpecificAllowanceMember_5142" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5141" xlink:to="Locator_ofg_ResidentialTroubledDebtRestructuringImpairedLoansWithSpecificAllowanceMember_5142" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5143" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialImpairedLoansWithNoSpecificAllowanceMember" xlink:label="Locator_ofg_CommercialImpairedLoansWithNoSpecificAllowanceMember_5144" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5143" xlink:to="Locator_ofg_CommercialImpairedLoansWithNoSpecificAllowanceMember_5144" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5145" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MortgageImpairedLoanPoolMember" xlink:label="Locator_ofg_MortgageImpairedLoanPoolMember_5146" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5145" xlink:to="Locator_ofg_MortgageImpairedLoanPoolMember_5146" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5147" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialImpairedLoanPoolMember" xlink:label="Locator_ofg_CommercialImpairedLoanPoolMember_5148" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5147" xlink:to="Locator_ofg_CommercialImpairedLoanPoolMember_5148" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5149" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConstructionImpairedLoanPoolMember" xlink:label="Locator_ofg_ConstructionImpairedLoanPoolMember_5150" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5149" xlink:to="Locator_ofg_ConstructionImpairedLoanPoolMember_5150" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5151" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AutoImpairedLoanPoolMember" xlink:label="Locator_ofg_AutoImpairedLoanPoolMember_5152" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5151" xlink:to="Locator_ofg_AutoImpairedLoanPoolMember_5152" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5153" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConsumerImpairedLoanPoolMember" xlink:label="Locator_ofg_ConsumerImpairedLoanPoolMember_5154" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5153" xlink:to="Locator_ofg_ConsumerImpairedLoanPoolMember_5154" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5157" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConstructionAndDevelopmentSecuredByFamilyPropertiesMember" xlink:label="Locator_ofg_ConstructionAndDevelopmentSecuredByFamilyPropertiesMember_5158" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5157" xlink:to="Locator_ofg_ConstructionAndDevelopmentSecuredByFamilyPropertiesMember_5158" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5155" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember" xlink:label="Locator_ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember_5156" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5155" xlink:to="Locator_ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember_5156" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5159" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialAndOtherConstructionMember" xlink:label="Locator_ofg_CommercialAndOtherConstructionMember_5160" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5159" xlink:to="Locator_ofg_CommercialAndOtherConstructionMember_5160" order="11.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredNonAcquiredLoansByInstitutionAxis" xlink:label="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_5161" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain" xlink:label="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_5162" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_5161" xlink:to="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_5162" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain" xlink:label="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_5163" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredLoanMember" xlink:label="Locator_ofg_NonAcquiredLoanMember_5164" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_5163" xlink:to="Locator_ofg_NonAcquiredLoanMember_5164" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain" xlink:label="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_5165" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedForUnderAsc31020Member" xlink:label="Locator_ofg_AccountedForUnderAsc31020Member_5166" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_5165" xlink:to="Locator_ofg_AccountedForUnderAsc31020Member_5166" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain" xlink:label="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_5167" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedForUnderAsc31030Member" xlink:label="Locator_ofg_AccountedForUnderAsc31030Member_5168" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_5167" xlink:to="Locator_ofg_AccountedForUnderAsc31030Member_5168" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain" xlink:label="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_5169" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansInFDICAssistedTransactionMember" xlink:label="Locator_ofg_AcquiredLoansInFDICAssistedTransactionMember_5170" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_NonAcquiredOriginatedAndAcquiredLoansByInstitutionDomain_5169" xlink:to="Locator_ofg_AcquiredLoansInFDICAssistedTransactionMember_5170" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="Locator_us-gaap_ReceivablesAbstract_5083" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5084" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivablesAbstract_5083" xlink:to="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5084" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5135" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredNonAcquiredLoansByInstitutionAxis" xlink:label="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_5136" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5135" xlink:to="Locator_ofg_AcquiredNonAcquiredLoansByInstitutionAxis_5136" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5131" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="Locator_us-gaap_FinancingReceivableImpairedLineItems_5132" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5131" xlink:to="Locator_us-gaap_FinancingReceivableImpairedLineItems_5132" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="Locator_us-gaap_FinancingReceivableImpairedLineItems_5073" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_5074" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableImpairedLineItems_5073" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_5074" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="Locator_us-gaap_FinancingReceivableImpairedLineItems_5075" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_5076" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableImpairedLineItems_5075" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_5076" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="Locator_us-gaap_FinancingReceivableImpairedLineItems_5077" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableAllowance_5078" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableImpairedLineItems_5077" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableAllowance_5078" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="Locator_us-gaap_FinancingReceivableImpairedLineItems_5079" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AllowanceToLoansCoverage" xlink:label="Locator_ofg_AllowanceToLoansCoverage_5080" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableImpairedLineItems_5079" xlink:to="Locator_ofg_AllowanceToLoansCoverage_5080" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5133" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5134" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5133" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5134" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivableNarrativesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5171" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CoveredNonPerformingCommercialLoansSoldPrincipalBalance" xlink:label="Locator_ofg_CoveredNonPerformingCommercialLoansSoldPrincipalBalance_5172" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5171" xlink:to="Locator_ofg_CoveredNonPerformingCommercialLoansSoldPrincipalBalance_5172" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5173" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CoveredNonPerformingCommercialLoansSoldCarryingValue" xlink:label="Locator_ofg_CoveredNonPerformingCommercialLoansSoldCarryingValue_5174" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5173" xlink:to="Locator_ofg_CoveredNonPerformingCommercialLoansSoldCarryingValue_5174" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5175" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CoveredNonPerformingCommercialLoansSoldSalesPrice" xlink:label="Locator_ofg_CoveredNonPerformingCommercialLoansSoldSalesPrice_5176" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5175" xlink:to="Locator_ofg_CoveredNonPerformingCommercialLoansSoldSalesPrice_5176" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5177" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AdditionalProvisionRelatedToCoveredNonPerformingCommercialLoansSold" xlink:label="Locator_ofg_AdditionalProvisionRelatedToCoveredNonPerformingCommercialLoansSold_5178" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5177" xlink:to="Locator_ofg_AdditionalProvisionRelatedToCoveredNonPerformingCommercialLoansSold_5178" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5179" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CostRecoveriesAssociatedWithCoveredNonPerformingCommercialLoansSold" xlink:label="Locator_ofg_CostRecoveriesAssociatedWithCoveredNonPerformingCommercialLoansSold_5180" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5179" xlink:to="Locator_ofg_CostRecoveriesAssociatedWithCoveredNonPerformingCommercialLoansSold_5180" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5181" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredButNonCoveredNonPerformingCommercialAndRealEstateLoansSoldPrincipalBalance" xlink:label="Locator_ofg_AcquiredButNonCoveredNonPerformingCommercialAndRealEstateLoansSoldPrincipalBalance_5182" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5181" xlink:to="Locator_ofg_AcquiredButNonCoveredNonPerformingCommercialAndRealEstateLoansSoldPrincipalBalance_5182" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5183" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredButNonCoveredNonPerformingCommercialAndRealEstateLoansSoldCarryingValue" xlink:label="Locator_ofg_AcquiredButNonCoveredNonPerformingCommercialAndRealEstateLoansSoldCarryingValue_5184" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5183" xlink:to="Locator_ofg_AcquiredButNonCoveredNonPerformingCommercialAndRealEstateLoansSoldCarryingValue_5184" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5185" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredButNonCoveredNonPerformingCommercialAndRealEstateLoansSoldSalePrice" xlink:label="Locator_ofg_AcquiredButNonCoveredNonPerformingCommercialAndRealEstateLoansSoldSalePrice_5186" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5185" xlink:to="Locator_ofg_AcquiredButNonCoveredNonPerformingCommercialAndRealEstateLoansSoldSalePrice_5186" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5187" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AdditionalProvisionRelatedToAcquiredButNonCoveredNonPerformingCommercialLoansSold" xlink:label="Locator_ofg_AdditionalProvisionRelatedToAcquiredButNonCoveredNonPerformingCommercialLoansSold_5188" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5187" xlink:to="Locator_ofg_AdditionalProvisionRelatedToAcquiredButNonCoveredNonPerformingCommercialLoansSold_5188" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5189" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CostRecoveriesAssociatedWithAcquiredButNonCoveredNonPerformingCommercialLoansSold" xlink:label="Locator_ofg_CostRecoveriesAssociatedWithAcquiredButNonCoveredNonPerformingCommercialLoansSold_5190" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5189" xlink:to="Locator_ofg_CostRecoveriesAssociatedWithAcquiredButNonCoveredNonPerformingCommercialLoansSold_5190" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5191" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RealEstateOwnedSoldCarryingAmount" xlink:label="Locator_ofg_RealEstateOwnedSoldCarryingAmount_5192" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5191" xlink:to="Locator_ofg_RealEstateOwnedSoldCarryingAmount_5192" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5193" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Realestateownedsoldsaleprice" xlink:label="Locator_ofg_Realestateownedsoldsaleprice_5194" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5193" xlink:to="Locator_ofg_Realestateownedsoldsaleprice_5194" order="12.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5195" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivableModificationsRecordedInvestmentNotIncludedInNonAccrual" xlink:label="Locator_ofg_FinancingReceivableModificationsRecordedInvestmentNotIncludedInNonAccrual_5196" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5195" xlink:to="Locator_ofg_FinancingReceivableModificationsRecordedInvestmentNotIncludedInNonAccrual_5196" order="13.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5197" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonPerformingResidentialLoansHeldForInvestmentTransferredToHeldForSaleAmortizedCost" xlink:label="Locator_ofg_NonPerformingResidentialLoansHeldForInvestmentTransferredToHeldForSaleAmortizedCost_5198" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5197" xlink:to="Locator_ofg_NonPerformingResidentialLoansHeldForInvestmentTransferredToHeldForSaleAmortizedCost_5198" order="14.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5199" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonPerformingResidentialLoansHeldForInvestmentTransferredToHeldforSaleFairValue" xlink:label="Locator_ofg_NonPerformingResidentialLoansHeldForInvestmentTransferredToHeldforSaleFairValue_5200" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5199" xlink:to="Locator_ofg_NonPerformingResidentialLoansHeldForInvestmentTransferredToHeldforSaleFairValue_5200" order="15.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5201" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainLossOnSaleOfMortgageLoansHeldForSale" xlink:label="Locator_ofg_GainLossOnSaleOfMortgageLoansHeldForSale_5202" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5201" xlink:to="Locator_ofg_GainLossOnSaleOfMortgageLoansHeldForSale_5202" order="16.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5203" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MortgageHeldForSalePortionSold" xlink:label="Locator_ofg_MortgageHeldForSalePortionSold_5204" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5203" xlink:to="Locator_ofg_MortgageHeldForSalePortionSold_5204" order="17.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5205" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansSold" xlink:label="Locator_ofg_AcquiredLoansSold_5206" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5205" xlink:to="Locator_ofg_AcquiredLoansSold_5206" order="18.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5207" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansGrantedToPuertoRicoGovernment" xlink:label="Locator_ofg_LoansGrantedToPuertoRicoGovernment_5208" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5207" xlink:to="Locator_ofg_LoansGrantedToPuertoRicoGovernment_5208" order="19.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5209" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansUnderAsc31030GrantedToPuertoRicoGovernment" xlink:label="Locator_ofg_AcquiredLoansUnderAsc31030GrantedToPuertoRicoGovernment_5210" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5209" xlink:to="Locator_ofg_AcquiredLoansUnderAsc31030GrantedToPuertoRicoGovernment_5210" order="20.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5211" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmountCovered" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableGrossCarryingAmountCovered_5212" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5211" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableGrossCarryingAmountCovered_5212" order="21.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5213" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountCovered" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCovered_5214" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5213" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountCovered_5214" order="22.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5215" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MortgageHeldForSaleReclassifiedToMortgageHeldForInvestment" xlink:label="Locator_ofg_MortgageHeldForSaleReclassifiedToMortgageHeldForInvestment_5216" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5215" xlink:to="Locator_ofg_MortgageHeldForSaleReclassifiedToMortgageHeldForInvestment_5216" order="23.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5217" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="Locator_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_5218" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5217" xlink:to="Locator_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_5218" order="24.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5219" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LineOfCredit" xlink:label="Locator_us-gaap_LineOfCredit_5220" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5219" xlink:to="Locator_us-gaap_LineOfCredit_5220" order="25.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5221" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LineOfCreditFacilityMaximumBorrowingCapacityGrantedToPublicCorporations" xlink:label="Locator_ofg_LineOfCreditFacilityMaximumBorrowingCapacityGrantedToPublicCorporations_5222" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5221" xlink:to="Locator_ofg_LineOfCreditFacilityMaximumBorrowingCapacityGrantedToPublicCorporations_5222" order="26.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5223" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TotalRevolvingLineOfCreditOfGovernment" xlink:label="Locator_ofg_TotalRevolvingLineOfCreditOfGovernment_5224" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5223" xlink:to="Locator_ofg_TotalRevolvingLineOfCreditOfGovernment_5224" order="27.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5225" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GovernmentCreditLineUnpaidPrincipalBalance" xlink:label="Locator_ofg_GovernmentCreditLineUnpaidPrincipalBalance_5226" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5225" xlink:to="Locator_ofg_GovernmentCreditLineUnpaidPrincipalBalance_5226" order="28.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5227" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgageLoansOnRealEstateCostOfMortgagesSold" xlink:label="Locator_us-gaap_MortgageLoansOnRealEstateCostOfMortgagesSold_5228" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5227" xlink:to="Locator_us-gaap_MortgageLoansOnRealEstateCostOfMortgagesSold_5228" order="29.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5229" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GovernmentCreditLineMaturityDate" xlink:label="Locator_ofg_GovernmentCreditLineMaturityDate_5230" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5229" xlink:to="Locator_ofg_GovernmentCreditLineMaturityDate_5230" order="30.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5231" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1" xlink:label="Locator_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_5232" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5231" xlink:to="Locator_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_5232" order="31.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5233" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProvisionForDoubtfulAccounts" xlink:label="Locator_us-gaap_ProvisionForDoubtfulAccounts_5234" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5233" xlink:to="Locator_us-gaap_ProvisionForDoubtfulAccounts_5234" order="32.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5235" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_5236" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5235" xlink:to="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_5236" order="33.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5237" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GeneralObligationsDebtOfMunicipalitiesSecured" xlink:label="Locator_ofg_GeneralObligationsDebtOfMunicipalitiesSecured_5238" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5237" xlink:to="Locator_ofg_GeneralObligationsDebtOfMunicipalitiesSecured_5238" order="34.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5239" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CreditFacilitiesToStateInsuranceFund" xlink:label="Locator_ofg_CreditFacilitiesToStateInsuranceFund_5240" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5239" xlink:to="Locator_ofg_CreditFacilitiesToStateInsuranceFund_5240" order="35.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5241" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CollateralSecuritiesPercentageSif" xlink:label="Locator_ofg_CollateralSecuritiesPercentageSif_5242" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5241" xlink:to="Locator_ofg_CollateralSecuritiesPercentageSif_5242" order="36.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5243" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_StateHousingFinanceAuthorityCreditFacilities" xlink:label="Locator_ofg_StateHousingFinanceAuthorityCreditFacilities_5244" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5243" xlink:to="Locator_ofg_StateHousingFinanceAuthorityCreditFacilities_5244" order="37.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5245" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ImpairedCommercialLoans" xlink:label="Locator_ofg_ImpairedCommercialLoans_5246" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5245" xlink:to="Locator_ofg_ImpairedCommercialLoans_5246" order="38.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5247" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AllowanceForCommercialImpairedLoans" xlink:label="Locator_ofg_AllowanceForCommercialImpairedLoans_5248" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5247" xlink:to="Locator_ofg_AllowanceForCommercialImpairedLoans_5248" order="39.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5249" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ImpairedMortgageLoans" xlink:label="Locator_ofg_ImpairedMortgageLoans_5250" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5249" xlink:to="Locator_ofg_ImpairedMortgageLoans_5250" order="40.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5251" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AllowanceForMortgageImpairedLoans" xlink:label="Locator_ofg_AllowanceForMortgageImpairedLoans_5252" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5251" xlink:to="Locator_ofg_AllowanceForMortgageImpairedLoans_5252" order="41.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5253" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_StateHousingFinanceAuthorityCreditFacilitiesChangeInAmount" xlink:label="Locator_ofg_StateHousingFinanceAuthorityCreditFacilitiesChangeInAmount_5254" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5253" xlink:to="Locator_ofg_StateHousingFinanceAuthorityCreditFacilitiesChangeInAmount_5254" order="42.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5255" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestAndFeeIncomeOtherLoans" xlink:label="Locator_us-gaap_InterestAndFeeIncomeOtherLoans_5256" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5255" xlink:to="Locator_us-gaap_InterestAndFeeIncomeOtherLoans_5256" order="43.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5257" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ChangeInConsumerLoansDelinquencyDueToTheUseOfTwoSchedulePayments" xlink:label="Locator_ofg_ChangeInConsumerLoansDelinquencyDueToTheUseOfTwoSchedulePayments_5258" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5257" xlink:to="Locator_ofg_ChangeInConsumerLoansDelinquencyDueToTheUseOfTwoSchedulePayments_5258" order="44.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5259" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ChangeInAutoLoansDelinquencyDueToTheUseOfTwoSchedulePayments" xlink:label="Locator_ofg_ChangeInAutoLoansDelinquencyDueToTheUseOfTwoSchedulePayments_5260" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5259" xlink:to="Locator_ofg_ChangeInAutoLoansDelinquencyDueToTheUseOfTwoSchedulePayments_5260" order="45.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5261" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AllowanceDeRecognitionDueToChangeInPolicyFromMostRecentAcquisition" xlink:label="Locator_ofg_AllowanceDeRecognitionDueToChangeInPolicyFromMostRecentAcquisition_5262" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5261" xlink:to="Locator_ofg_AllowanceDeRecognitionDueToChangeInPolicyFromMostRecentAcquisition_5262" order="46.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5263" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AllowanceDeRecognitionDueToChangeInPolicyFromLoansAcquiredAcquisition" xlink:label="Locator_ofg_AllowanceDeRecognitionDueToChangeInPolicyFromLoansAcquiredAcquisition_5264" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5263" xlink:to="Locator_ofg_AllowanceDeRecognitionDueToChangeInPolicyFromLoansAcquiredAcquisition_5264" order="47.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5265" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GovernmentLoanSalePrice" xlink:label="Locator_ofg_GovernmentLoanSalePrice_5266" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5265" xlink:to="Locator_ofg_GovernmentLoanSalePrice_5266" order="48.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5267" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroupOther" xlink:label="Locator_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroupOther_5268" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5267" xlink:to="Locator_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroupOther_5268" order="49.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5269" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GovernmentLoanPrincipalPaymentHeldforSale" xlink:label="Locator_ofg_GovernmentLoanPrincipalPaymentHeldforSale_5270" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5269" xlink:to="Locator_ofg_GovernmentLoanPrincipalPaymentHeldforSale_5270" order="50.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5271" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GovernmentLoanPrincipalPaymentHeldforInvestment" xlink:label="Locator_ofg_GovernmentLoanPrincipalPaymentHeldforInvestment_5272" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5271" xlink:to="Locator_ofg_GovernmentLoanPrincipalPaymentHeldforInvestment_5272" order="51.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5273" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredGovernmentLoanScheduledPrincipalPayments" xlink:label="Locator_ofg_AcquiredGovernmentLoanScheduledPrincipalPayments_5274" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5273" xlink:to="Locator_ofg_AcquiredGovernmentLoanScheduledPrincipalPayments_5274" order="52.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5275" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GovernmentLineOfCreditSoldProvision" xlink:label="Locator_ofg_GovernmentLineOfCreditSoldProvision_5276" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5275" xlink:to="Locator_ofg_GovernmentLineOfCreditSoldProvision_5276" order="53.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5277" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GovernmentLineOfCreditSoldOutstandingBalance" xlink:label="Locator_ofg_GovernmentLineOfCreditSoldOutstandingBalance_5278" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5277" xlink:to="Locator_ofg_GovernmentLineOfCreditSoldOutstandingBalance_5278" order="54.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5279" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GovernmentloanSoldSettlementAgreementDate" xlink:label="Locator_ofg_GovernmentloanSoldSettlementAgreementDate_5280" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5279" xlink:to="Locator_ofg_GovernmentloanSoldSettlementAgreementDate_5280" order="55.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5281" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansUnderForbearanceProgram" xlink:label="Locator_ofg_LoansUnderForbearanceProgram_5282" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5281" xlink:to="Locator_ofg_LoansUnderForbearanceProgram_5282" order="56.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5283" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_UnpaidPrincipalBalanceOfLoansUnderForbearanceProgram" xlink:label="Locator_ofg_UnpaidPrincipalBalanceOfLoansUnderForbearanceProgram_5284" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5283" xlink:to="Locator_ofg_UnpaidPrincipalBalanceOfLoansUnderForbearanceProgram_5284" order="57.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5285" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CurrentPlacedInNonaccrual" xlink:label="Locator_ofg_CurrentPlacedInNonaccrual_5286" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5285" xlink:to="Locator_ofg_CurrentPlacedInNonaccrual_5286" order="58.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="Locator_us-gaap_ReceivablesAbstract_5287" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5288" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivablesAbstract_5287" xlink:to="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5288" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AccountingPoliciesPolicies">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5289" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock" xlink:label="Locator_us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock_5290" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5289" xlink:to="Locator_us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock_5290" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5291" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessCombinationsPolicy" xlink:label="Locator_us-gaap_BusinessCombinationsPolicy_5292" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5291" xlink:to="Locator_us-gaap_BusinessCombinationsPolicy_5292" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5293" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsolidationPolicyTextBlock" xlink:label="Locator_us-gaap_ConsolidationPolicyTextBlock_5294" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5293" xlink:to="Locator_us-gaap_ConsolidationPolicyTextBlock_5294" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5295" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UseOfEstimates" xlink:label="Locator_us-gaap_UseOfEstimates_5296" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5295" xlink:to="Locator_us-gaap_UseOfEstimates_5296" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5297" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:label="Locator_us-gaap_CashAndCashEquivalentsPolicyTextBlock_5298" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5297" xlink:to="Locator_us-gaap_CashAndCashEquivalentsPolicyTextBlock_5298" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5299" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerSharePolicyTextBlock" xlink:label="Locator_us-gaap_EarningsPerSharePolicyTextBlock_5300" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5299" xlink:to="Locator_us-gaap_EarningsPerSharePolicyTextBlock_5300" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5301" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepurchaseAndResaleAgreementsPolicy" xlink:label="Locator_us-gaap_RepurchaseAndResaleAgreementsPolicy_5302" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5301" xlink:to="Locator_us-gaap_RepurchaseAndResaleAgreementsPolicy_5302" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5303" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MarketableSecuritiesPolicy" xlink:label="Locator_us-gaap_MarketableSecuritiesPolicy_5304" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5303" xlink:to="Locator_us-gaap_MarketableSecuritiesPolicy_5304" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5305" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueOfFinancialInstrumentsPolicy" xlink:label="Locator_us-gaap_FairValueOfFinancialInstrumentsPolicy_5306" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5305" xlink:to="Locator_us-gaap_FairValueOfFinancialInstrumentsPolicy_5306" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5307" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivablePolicyPolicyTextBlock" xlink:label="Locator_us-gaap_ImpairedFinancingReceivablePolicyPolicyTextBlock_5308" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5307" xlink:to="Locator_us-gaap_ImpairedFinancingReceivablePolicyPolicyTextBlock_5308" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5309" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativesPolicyTextBlock" xlink:label="Locator_us-gaap_DerivativesPolicyTextBlock_5310" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5309" xlink:to="Locator_us-gaap_DerivativesPolicyTextBlock_5310" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5311" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:label="Locator_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_5312" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5311" xlink:to="Locator_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_5312" order="12.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5313" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy_5314" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5313" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy_5314" order="13.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5315" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy_5316" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5315" xlink:to="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy_5316" order="14.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5317" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PolicyLoansReceivablePolicy" xlink:label="Locator_us-gaap_PolicyLoansReceivablePolicy_5318" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5317" xlink:to="Locator_us-gaap_PolicyLoansReceivablePolicy_5318" order="15.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5319" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_5320" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5319" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_5320" order="16.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5321" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LesseeLeasesPolicyTextBlock" xlink:label="Locator_us-gaap_LesseeLeasesPolicyTextBlock_5322" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5321" xlink:to="Locator_us-gaap_LesseeLeasesPolicyTextBlock_5322" order="17.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5323" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableTroubledDebtRestructuringPolicy" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableTroubledDebtRestructuringPolicy_5324" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5323" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableTroubledDebtRestructuringPolicy_5324" order="18.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5325" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilityReserveEstimatePolicy" xlink:label="Locator_us-gaap_LiabilityReserveEstimatePolicy_5326" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5325" xlink:to="Locator_us-gaap_LiabilityReserveEstimatePolicy_5326" order="19.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5327" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicSharedLossIndemnificationAssetPolicytextBlock" xlink:label="Locator_ofg_FdicSharedLossIndemnificationAssetPolicytextBlock_5328" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5327" xlink:to="Locator_ofg_FdicSharedLossIndemnificationAssetPolicytextBlock_5328" order="20.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5329" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IntangibleAssetsFiniteLivedPolicy" xlink:label="Locator_us-gaap_IntangibleAssetsFiniteLivedPolicy_5330" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5329" xlink:to="Locator_us-gaap_IntangibleAssetsFiniteLivedPolicy_5330" order="21.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5331" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentsForeclosedAssetsPolicy" xlink:label="Locator_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentsForeclosedAssetsPolicy_5332" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5331" xlink:to="Locator_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentsForeclosedAssetsPolicy_5332" order="22.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5333" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_5334" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5333" xlink:to="Locator_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_5334" order="23.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5335" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock" xlink:label="Locator_us-gaap_ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock_5336" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5335" xlink:to="Locator_us-gaap_ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock_5336" order="24.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5337" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxPolicyTextBlock" xlink:label="Locator_us-gaap_IncomeTaxPolicyTextBlock_5338" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5337" xlink:to="Locator_us-gaap_IncomeTaxPolicyTextBlock_5338" order="25.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5339" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:label="Locator_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy_5340" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5339" xlink:to="Locator_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy_5340" order="26.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5341" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComprehensiveIncomePolicyPolicyTextBlock" xlink:label="Locator_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock_5342" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5341" xlink:to="Locator_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock_5342" order="27.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5343" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesPolicyTextBlock" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesPolicyTextBlock_5344" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5343" xlink:to="Locator_us-gaap_CommitmentsAndContingenciesPolicyTextBlock_5344" order="28.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5345" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventsPolicyPolicyTextBlock" xlink:label="Locator_us-gaap_SubsequentEventsPolicyPolicyTextBlock_5346" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5345" xlink:to="Locator_us-gaap_SubsequentEventsPolicyPolicyTextBlock_5346" order="29.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5347" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:label="Locator_us-gaap_PriorPeriodReclassificationAdjustmentDescription_5348" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5347" xlink:to="Locator_us-gaap_PriorPeriodReclassificationAdjustmentDescription_5348" order="30.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="Locator_us-gaap_AccountingPoliciesAbstract_5349" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:label="Locator_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_5350" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountingPoliciesAbstract_5349" xlink:to="Locator_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_5350" order="31.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/RelatedPartyTransactionsTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RelatedPartyTransactionsAbstract" xlink:label="Locator_us-gaap_RelatedPartyTransactionsAbstract_5351" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock_5352" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RelatedPartyTransactionsAbstract_5351" xlink:to="Locator_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock_5352" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BusinessSegmentsTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="Locator_us-gaap_SegmentReportingAbstract_5353" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:label="Locator_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_5354" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingAbstract_5353" xlink:to="Locator_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_5354" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivableTroubledDebtRestructuringsRollingTwelveMonthsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5383" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5384" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5383" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5384" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5391" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AutomobilesMember" xlink:label="Locator_us-gaap_AutomobilesMember_5392" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5391" xlink:to="Locator_us-gaap_AutomobilesMember_5392" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5385" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_5386" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5385" xlink:to="Locator_us-gaap_MortgagesMember_5386" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5387" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_5388" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5387" xlink:to="Locator_us-gaap_CommercialLoanMember_5388" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5389" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_5390" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5389" xlink:to="Locator_us-gaap_ConsumerLoanMember_5390" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="Locator_us-gaap_ReceivablesAbstract_5361" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_5362" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivablesAbstract_5361" xlink:to="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_5362" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_5379" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_5380" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_5379" xlink:to="Locator_us-gaap_FinancingReceivableModificationsLineItems_5380" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_5355" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancingReceivableModificationsNumberOfContractsRollingTwelveMonths" xlink:label="Locator_ofg_FinancingReceivableModificationsNumberOfContractsRollingTwelveMonths_5356" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_5355" xlink:to="Locator_ofg_FinancingReceivableModificationsNumberOfContractsRollingTwelveMonths_5356" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_5357" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:label="Locator_us-gaap_FinancingReceivableModificationsRecordedInvestment_5358" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_5357" xlink:to="Locator_us-gaap_FinancingReceivableModificationsRecordedInvestment_5358" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_5381" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5382" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_5381" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5382" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BorrowingsAdvancesFromTheFederalHomeLoanBankDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdvancesFromFederalHomeLoanBanksAbstract" xlink:label="Locator_us-gaap_AdvancesFromFederalHomeLoanBanksAbstract_5403" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_5404" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdvancesFromFederalHomeLoanBanksAbstract_5403" xlink:to="Locator_us-gaap_DebtInstrumentTable_5404" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_5471" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AdvancesFromFederalHomeLoanBanksLineItems" xlink:label="Locator_ofg_AdvancesFromFederalHomeLoanBanksLineItems_5472" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_5471" xlink:to="Locator_ofg_AdvancesFromFederalHomeLoanBanksLineItems_5472" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AdvancesFromFederalHomeLoanBanksLineItems" xlink:label="Locator_ofg_AdvancesFromFederalHomeLoanBanksLineItems_5393" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligations" xlink:label="Locator_us-gaap_DebtAndCapitalLeaseObligations_5394" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AdvancesFromFederalHomeLoanBanksLineItems_5393" xlink:to="Locator_us-gaap_DebtAndCapitalLeaseObligations_5394" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AdvancesFromFederalHomeLoanBanksLineItems" xlink:label="Locator_ofg_AdvancesFromFederalHomeLoanBanksLineItems_5395" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd" xlink:label="Locator_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd_5396" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AdvancesFromFederalHomeLoanBanksLineItems_5395" xlink:to="Locator_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd_5396" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AdvancesFromFederalHomeLoanBanksLineItems" xlink:label="Locator_ofg_AdvancesFromFederalHomeLoanBanksLineItems_5397" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbAdvancesSettlementDate" xlink:label="Locator_ofg_FhlbAdvancesSettlementDate_5398" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AdvancesFromFederalHomeLoanBanksLineItems_5397" xlink:to="Locator_ofg_FhlbAdvancesSettlementDate_5398" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AdvancesFromFederalHomeLoanBanksLineItems" xlink:label="Locator_ofg_AdvancesFromFederalHomeLoanBanksLineItems_5399" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbAdvancesMaturityDate" xlink:label="Locator_ofg_FhlbAdvancesMaturityDate_5400" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AdvancesFromFederalHomeLoanBanksLineItems_5399" xlink:to="Locator_ofg_FhlbAdvancesMaturityDate_5400" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_5475" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="Locator_us-gaap_LongtermDebtTypeAxis_5476" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_5475" xlink:to="Locator_us-gaap_LongtermDebtTypeAxis_5476" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="Locator_us-gaap_LongtermDebtTypeAxis_5481" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="Locator_us-gaap_LongtermDebtTypeDomain_5482" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LongtermDebtTypeAxis_5481" xlink:to="Locator_us-gaap_LongtermDebtTypeDomain_5482" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="Locator_us-gaap_LongtermDebtTypeDomain_5483" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMember" xlink:label="Locator_us-gaap_FederalHomeLoanBankAdvancesMember_5484" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LongtermDebtTypeDomain_5483" xlink:to="Locator_us-gaap_FederalHomeLoanBankAdvancesMember_5484" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_5477" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LongTermandShortTermDebtDueDateAxis" xlink:label="Locator_ofg_LongTermandShortTermDebtDueDateAxis_5478" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_5477" xlink:to="Locator_ofg_LongTermandShortTermDebtDueDateAxis_5478" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LongTermandShortTermDebtDueDateAxis" xlink:label="Locator_ofg_LongTermandShortTermDebtDueDateAxis_5485" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbAdvancesAgreementDueDateDomain" xlink:label="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5486" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LongTermandShortTermDebtDueDateAxis_5485" xlink:to="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5486" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbAdvancesAgreementDueDateDomain" xlink:label="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5487" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_October12018Member" xlink:label="Locator_ofg_October12018Member_5488" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5487" xlink:to="Locator_ofg_October12018Member_5488" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbAdvancesAgreementDueDateDomain" xlink:label="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5489" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_May092023Member" xlink:label="Locator_ofg_May092023Member_5490" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5489" xlink:to="Locator_ofg_May092023Member_5490" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbAdvancesAgreementDueDateDomain" xlink:label="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5491" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_July252016Member" xlink:label="Locator_ofg_July252016Member_5492" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5491" xlink:to="Locator_ofg_July252016Member_5492" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbAdvancesAgreementDueDateDomain" xlink:label="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5493" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_June082023Member" xlink:label="Locator_ofg_June082023Member_5494" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5493" xlink:to="Locator_ofg_June082023Member_5494" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbAdvancesAgreementDueDateDomain" xlink:label="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5495" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_July132023Member" xlink:label="Locator_ofg_July132023Member_5496" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5495" xlink:to="Locator_ofg_July132023Member_5496" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbAdvancesAgreementDueDateDomain" xlink:label="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5497" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_July22018memberMember" xlink:label="Locator_ofg_July22018memberMember_5498" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5497" xlink:to="Locator_ofg_July22018memberMember_5498" order="6.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FhlbAdvancesAgreementDueDateDomain" xlink:label="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5499" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_July202020Member" xlink:label="Locator_ofg_July202020Member_5500" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FhlbAdvancesAgreementDueDateDomain_5499" xlink:to="Locator_ofg_July202020Member_5500" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_5479" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LongTermandShortTermDebtAmountAxis" xlink:label="Locator_ofg_LongTermandShortTermDebtAmountAxis_5480" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_5479" xlink:to="Locator_ofg_LongTermandShortTermDebtAmountAxis_5480" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LongTermandShortTermDebtAmountAxis" xlink:label="Locator_ofg_LongTermandShortTermDebtAmountAxis_5501" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FederalHomeLoanBankAdvancesDomain" xlink:label="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5502" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LongTermandShortTermDebtAmountAxis_5501" xlink:to="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5502" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FederalHomeLoanBankAdvancesDomain" xlink:label="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5503" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TwoMillionMember" xlink:label="Locator_ofg_TwoMillionMember_5504" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5503" xlink:to="Locator_ofg_TwoMillionMember_5504" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FederalHomeLoanBankAdvancesDomain" xlink:label="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5505" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ThirtyfourmillionmemberMember" xlink:label="Locator_ofg_ThirtyfourmillionmemberMember_5506" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5505" xlink:to="Locator_ofg_ThirtyfourmillionmemberMember_5506" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FederalHomeLoanBankAdvancesDomain" xlink:label="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5507" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SeventyMillionMember" xlink:label="Locator_ofg_SeventyMillionMember_5508" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5507" xlink:to="Locator_ofg_SeventyMillionMember_5508" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FederalHomeLoanBankAdvancesDomain" xlink:label="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5509" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NinemillionmemberMember" xlink:label="Locator_ofg_NinemillionmemberMember_5510" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5509" xlink:to="Locator_ofg_NinemillionmemberMember_5510" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FederalHomeLoanBankAdvancesDomain" xlink:label="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5511" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SixteenMillionMember" xlink:label="Locator_ofg_SixteenMillionMember_5512" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5511" xlink:to="Locator_ofg_SixteenMillionMember_5512" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FederalHomeLoanBankAdvancesDomain" xlink:label="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5513" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TwelveMillionsMember" xlink:label="Locator_ofg_TwelveMillionsMember_5514" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5513" xlink:to="Locator_ofg_TwelveMillionsMember_5514" order="6.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FederalHomeLoanBankAdvancesDomain" xlink:label="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5515" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FiftyFiveMillionsMember" xlink:label="Locator_ofg_FiftyFiveMillionsMember_5516" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5515" xlink:to="Locator_ofg_FiftyFiveMillionsMember_5516" order="7.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FederalHomeLoanBankAdvancesDomain" xlink:label="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5517" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OneHundredMillionsMember" xlink:label="Locator_ofg_OneHundredMillionsMember_5518" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FederalHomeLoanBankAdvancesDomain_5517" xlink:to="Locator_ofg_OneHundredMillionsMember_5518" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_5473" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="Locator_us-gaap_DebtInstrumentAxis_5474" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_5473" xlink:to="Locator_us-gaap_DebtInstrumentAxis_5474" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="Locator_us-gaap_DebtInstrumentAxis_5519" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_5520" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentAxis_5519" xlink:to="Locator_us-gaap_DebtInstrumentNameDomain_5520" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_5521" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FederalLoanHomeBankAdvancesShortTermPeriodMaturedMember" xlink:label="Locator_ofg_FederalLoanHomeBankAdvancesShortTermPeriodMaturedMember_5522" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_5521" xlink:to="Locator_ofg_FederalLoanHomeBankAdvancesShortTermPeriodMaturedMember_5522" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_5523" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FederalloanhomebankadvanceslongtermperiodmaturedMember" xlink:label="Locator_ofg_FederalloanhomebankadvanceslongtermperiodmaturedMember_5524" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_5523" xlink:to="Locator_ofg_FederalloanhomebankadvanceslongtermperiodmaturedMember_5524" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivableInterestIncomeRecognizedInLoansIndividuallyEvaluatedForImpairmentDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_5609" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_5610" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_5609" xlink:to="Locator_us-gaap_ReceivableTypeDomain_5610" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_5595" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoanMember" xlink:label="Locator_ofg_LoanMember_5596" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_5595" xlink:to="Locator_ofg_LoanMember_5596" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoanMember" xlink:label="Locator_ofg_LoanMember_5597" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedLoansMember" xlink:label="Locator_ofg_OriginatedLoansMember_5598" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoanMember_5597" xlink:to="Locator_ofg_OriginatedLoansMember_5598" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoanMember" xlink:label="Locator_ofg_LoanMember_5599" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedForUnderAsc31020Member" xlink:label="Locator_ofg_AccountedForUnderAsc31020Member_5600" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoanMember_5599" xlink:to="Locator_ofg_AccountedForUnderAsc31020Member_5600" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoanMember" xlink:label="Locator_ofg_LoanMember_5601" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansInFDICAssistedTransactionMember" xlink:label="Locator_ofg_AcquiredLoansInFDICAssistedTransactionMember_5602" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoanMember_5601" xlink:to="Locator_ofg_AcquiredLoansInFDICAssistedTransactionMember_5602" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5603" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5604" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5603" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5604" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5607" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TroubledDebtRestructuringMember" xlink:label="Locator_ofg_TroubledDebtRestructuringMember_5608" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5607" xlink:to="Locator_ofg_TroubledDebtRestructuringMember_5608" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5605" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_5606" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5605" xlink:to="Locator_us-gaap_CommercialLoanMember_5606" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="Locator_us-gaap_ReceivablesAbstract_5543" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5544" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivablesAbstract_5543" xlink:to="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5544" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5589" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="Locator_us-gaap_FinancingReceivableImpairedLineItems_5590" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5589" xlink:to="Locator_us-gaap_FinancingReceivableImpairedLineItems_5590" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="Locator_us-gaap_FinancingReceivableImpairedLineItems_5525" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethodAbstract" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethodAbstract_5526" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableImpairedLineItems_5525" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethodAbstract_5526" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethodAbstract" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethodAbstract_5531" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_5532" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethodAbstract_5531" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_5532" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethodAbstract" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethodAbstract_5533" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_5534" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethodAbstract_5533" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_5534" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethodAbstract" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethodAbstract_5535" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod_5536" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethodAbstract_5535" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod_5536" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="Locator_us-gaap_FinancingReceivableImpairedLineItems_5527" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_5528" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableImpairedLineItems_5527" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_5528" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_5537" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_5538" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_5537" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_5538" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_5539" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_5540" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_5539" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_5540" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_5541" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_5542" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_5541" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_5542" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5591" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5592" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5591" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5592" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5593" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_5594" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5593" xlink:to="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_5594" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AllowanceForLoanAndLeaseLossesTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ValuationAllowanceAbstract" xlink:label="Locator_us-gaap_ValuationAllowanceAbstract_5611" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:label="Locator_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_5612" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ValuationAllowanceAbstract_5611" xlink:to="Locator_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_5612" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AllowanceForLoanAndLeaseLosses">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ValuationAllowanceAbstract" xlink:label="Locator_us-gaap_ValuationAllowanceAbstract_5613" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AllowanceForCreditLossesTextBlock" xlink:label="Locator_us-gaap_AllowanceForCreditLossesTextBlock_5614" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ValuationAllowanceAbstract_5613" xlink:to="Locator_us-gaap_AllowanceForCreditLossesTextBlock_5614" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivableBBVAPRAcquiredLoan31030CarryingAmountsDetails">
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTable" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTable_5657" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5658" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTable_5657" xlink:to="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5658" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5615" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableAtAcquisition" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableAtAcquisition_5616" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5615" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableAtAcquisition_5616" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5617" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference_5618" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5617" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference_5618" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5619" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodCashFlowsExpectedToBeCollectedAtAcquisition" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodCashFlowsExpectedToBeCollectedAtAcquisition_5620" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5619" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodCashFlowsExpectedToBeCollectedAtAcquisition_5620" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5621" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferAccretableYield" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferAccretableYield_5622" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5621" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferAccretableYield_5622" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5623" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAtAcquisitionAtFairValue" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAtAcquisitionAtFairValue_5624" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5623" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAtAcquisitionAtFairValue_5624" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5625" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAllowanceForLoanLosses" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAllowanceForLoanLosses_5626" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5625" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAllowanceForLoanLosses_5626" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5627" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet_5628" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_5627" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet_5628" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTable" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTable_5659" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis" xlink:label="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_5660" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTable_5659" xlink:to="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_5660" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis" xlink:label="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_5661" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_5662" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_5661" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_5662" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_5663" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedSC31030NonCoveredLoansMember" xlink:label="Locator_ofg_AccountedSC31030NonCoveredLoansMember_5664" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_5663" xlink:to="Locator_ofg_AccountedSC31030NonCoveredLoansMember_5664" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="Locator_us-gaap_ReceivablesAbstract_5631" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTable" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTable_5632" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivablesAbstract_5631" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTable_5632" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AllowanceForLoanAndLeaseLossesNarrativeDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5665" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SpecialProvisionSignificantEvent" xlink:label="Locator_ofg_SpecialProvisionSignificantEvent_5666" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5665" xlink:to="Locator_ofg_SpecialProvisionSignificantEvent_5666" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5667" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SpecialProvisionDueSignificantEventOriginatedLoansPortfolio" xlink:label="Locator_ofg_SpecialProvisionDueSignificantEventOriginatedLoansPortfolio_5668" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5667" xlink:to="Locator_ofg_SpecialProvisionDueSignificantEventOriginatedLoansPortfolio_5668" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5669" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SpecialProvisionDueSignificantEventOriginatedMortgageLoansPortfolio" xlink:label="Locator_ofg_SpecialProvisionDueSignificantEventOriginatedMortgageLoansPortfolio_5670" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5669" xlink:to="Locator_ofg_SpecialProvisionDueSignificantEventOriginatedMortgageLoansPortfolio_5670" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5671" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ChangeInChargeOffsForPeriod" xlink:label="Locator_ofg_ChangeInChargeOffsForPeriod_5672" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5671" xlink:to="Locator_ofg_ChangeInChargeOffsForPeriod_5672" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5673" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ChargeOffToProvisionOnReclassifiedLoans" xlink:label="Locator_ofg_ChargeOffToProvisionOnReclassifiedLoans_5674" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5673" xlink:to="Locator_ofg_ChargeOffToProvisionOnReclassifiedLoans_5674" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5675" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NotImpairedLoans" xlink:label="Locator_ofg_NotImpairedLoans_5676" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5675" xlink:to="Locator_ofg_NotImpairedLoans_5676" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5677" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SpecialProvisionDueSignificantEventOriginatedAutoLoansPortfolio" xlink:label="Locator_ofg_SpecialProvisionDueSignificantEventOriginatedAutoLoansPortfolio_5678" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5677" xlink:to="Locator_ofg_SpecialProvisionDueSignificantEventOriginatedAutoLoansPortfolio_5678" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5679" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AdditionalAmortizationOfFdiciaFromSteppedUpCosts" xlink:label="Locator_ofg_AdditionalAmortizationOfFdiciaFromSteppedUpCosts_5680" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5679" xlink:to="Locator_ofg_AdditionalAmortizationOfFdiciaFromSteppedUpCosts_5680" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5681" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowanceCovered" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableAllowanceCovered_5682" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5681" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableAllowanceCovered_5682" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5683" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ProvisionForLoanLossesCovered" xlink:label="Locator_ofg_ProvisionForLoanLossesCovered_5684" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5683" xlink:to="Locator_ofg_ProvisionForLoanLossesCovered_5684" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5685" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AllowanceDeRecognitionDueToChangeInPolicyFromMostRecentAcquisition" xlink:label="Locator_ofg_AllowanceDeRecognitionDueToChangeInPolicyFromMostRecentAcquisition_5686" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5685" xlink:to="Locator_ofg_AllowanceDeRecognitionDueToChangeInPolicyFromMostRecentAcquisition_5686" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5687" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AllowanceDeRecognitionDueToChangeInPolicyFromLoansAcquiredAcquisition" xlink:label="Locator_ofg_AllowanceDeRecognitionDueToChangeInPolicyFromLoansAcquiredAcquisition_5688" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5687" xlink:to="Locator_ofg_AllowanceDeRecognitionDueToChangeInPolicyFromLoansAcquiredAcquisition_5688" order="12.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5689" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredGovernmentLoanScheduledPrincipalPayments" xlink:label="Locator_ofg_AcquiredGovernmentLoanScheduledPrincipalPayments_5690" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5689" xlink:to="Locator_ofg_AcquiredGovernmentLoanScheduledPrincipalPayments_5690" order="13.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5691" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GovernmentLineOfCreditSoldProvision" xlink:label="Locator_ofg_GovernmentLineOfCreditSoldProvision_5692" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5691" xlink:to="Locator_ofg_GovernmentLineOfCreditSoldProvision_5692" order="14.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5693" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SpecialProvisionDueSignificantEventOriginatedCommercialLoansPortfolio" xlink:label="Locator_ofg_SpecialProvisionDueSignificantEventOriginatedCommercialLoansPortfolio_5694" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5693" xlink:to="Locator_ofg_SpecialProvisionDueSignificantEventOriginatedCommercialLoansPortfolio_5694" order="15.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5695" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SpecialProvisionDueSignificanteventoriginatedconsumerloansportfolio" xlink:label="Locator_ofg_SpecialProvisionDueSignificanteventoriginatedconsumerloansportfolio_5696" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5695" xlink:to="Locator_ofg_SpecialProvisionDueSignificanteventoriginatedconsumerloansportfolio_5696" order="16.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5697" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SpecialProvisionDueSignificantEventAcquiredLoansPortfolio" xlink:label="Locator_ofg_SpecialProvisionDueSignificantEventAcquiredLoansPortfolio_5698" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5697" xlink:to="Locator_ofg_SpecialProvisionDueSignificantEventAcquiredLoansPortfolio_5698" order="17.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5699" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SpecialProvisionDueSignificantEventAcquiredMortgageLoansPortfolio1" xlink:label="Locator_ofg_SpecialProvisionDueSignificantEventAcquiredMortgageLoansPortfolio1_5700" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5699" xlink:to="Locator_ofg_SpecialProvisionDueSignificantEventAcquiredMortgageLoansPortfolio1_5700" order="18.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5701" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SpecialProvisionDueToSignificantEventAcquiredCommercialLoansPortfolio" xlink:label="Locator_ofg_SpecialProvisionDueToSignificantEventAcquiredCommercialLoansPortfolio_5702" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5701" xlink:to="Locator_ofg_SpecialProvisionDueToSignificantEventAcquiredCommercialLoansPortfolio_5702" order="19.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5703" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SpecialProvisionDueSignificantEventAcquiredConsumerLoansPortfolio" xlink:label="Locator_ofg_SpecialProvisionDueSignificantEventAcquiredConsumerLoansPortfolio_5704" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5703" xlink:to="Locator_ofg_SpecialProvisionDueSignificantEventAcquiredConsumerLoansPortfolio_5704" order="20.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5705" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SpecialProvisionDueSignificantEventAcquiredAutoLoansPortfolio" xlink:label="Locator_ofg_SpecialProvisionDueSignificantEventAcquiredAutoLoansPortfolio_5706" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5705" xlink:to="Locator_ofg_SpecialProvisionDueSignificantEventAcquiredAutoLoansPortfolio_5706" order="21.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5707" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AllowanceForLoanLossesRelatedToHurricanes" xlink:label="Locator_ofg_AllowanceForLoanLossesRelatedToHurricanes_5708" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentLineItems_5707" xlink:to="Locator_ofg_AllowanceForLoanLossesRelatedToHurricanes_5708" order="22.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BorrowingsRedemptionFundDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_5751" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_5752" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_5751" xlink:to="Locator_us-gaap_DebtInstrumentLineItems_5752" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_5709" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DebtInstrumentCumulativeSinkingFundObligations" xlink:label="Locator_ofg_DebtInstrumentCumulativeSinkingFundObligations_5710" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_5709" xlink:to="Locator_ofg_DebtInstrumentCumulativeSinkingFundObligations_5710" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_5711" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:label="Locator_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_5712" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_5711" xlink:to="Locator_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_5712" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_5713" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:label="Locator_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_5714" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_5713" xlink:to="Locator_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_5714" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_5715" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:label="Locator_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_5716" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_5715" xlink:to="Locator_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_5716" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="Locator_us-gaap_DebtInstrumentLineItems_5717" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DebtInstrumentCumulativeSinkingFund" xlink:label="Locator_ofg_DebtInstrumentCumulativeSinkingFund_5718" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentLineItems_5717" xlink:to="Locator_ofg_DebtInstrumentCumulativeSinkingFund_5718" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_5753" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="Locator_us-gaap_DebtInstrumentAxis_5754" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_5753" xlink:to="Locator_us-gaap_DebtInstrumentAxis_5754" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="Locator_us-gaap_DebtInstrumentAxis_5755" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_5756" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentAxis_5755" xlink:to="Locator_us-gaap_DebtInstrumentNameDomain_5756" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_5757" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RedemptionFundMember" xlink:label="Locator_ofg_RedemptionFundMember_5758" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_5757" xlink:to="Locator_ofg_RedemptionFundMember_5758" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentsAbstract" xlink:label="Locator_us-gaap_DebtInstrumentsAbstract_5721" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtByMaturityAbstract" xlink:label="Locator_us-gaap_LongTermDebtByMaturityAbstract_5722" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentsAbstract_5721" xlink:to="Locator_us-gaap_LongTermDebtByMaturityAbstract_5722" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtByMaturityAbstract" xlink:label="Locator_us-gaap_LongTermDebtByMaturityAbstract_5723" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_5724" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LongTermDebtByMaturityAbstract_5723" xlink:to="Locator_us-gaap_DebtInstrumentTable_5724" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/CommitmentsSummarizedCreditrelatedFinancialInstrumentsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_5759" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommitmentsToExtendCredit" xlink:label="Locator_ofg_CommitmentsToExtendCredit_5760" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_5759" xlink:to="Locator_ofg_CommitmentsToExtendCredit_5760" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_5761" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialLettersCredit" xlink:label="Locator_ofg_CommercialLettersCredit_5762" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_5761" xlink:to="Locator_ofg_CommercialLettersCredit_5762" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_5763" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_StandbyLettersOfCreditAndFinancialGuarantees" xlink:label="Locator_ofg_StandbyLettersOfCreditAndFinancialGuarantees_5764" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_5763" xlink:to="Locator_ofg_StandbyLettersOfCreditAndFinancialGuarantees_5764" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_5765" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PerformanceLettersOfCreditAndFinancialGuarantees" xlink:label="Locator_ofg_PerformanceLettersOfCreditAndFinancialGuarantees_5766" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_5765" xlink:to="Locator_ofg_PerformanceLettersOfCreditAndFinancialGuarantees_5766" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_5767" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansSoldWithRecourse" xlink:label="Locator_ofg_LoansSoldWithRecourse_5768" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_5767" xlink:to="Locator_ofg_LoansSoldWithRecourse_5768" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_5769" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommitmentsToSellOrSecuritizeMortgageLoans" xlink:label="Locator_ofg_CommitmentsToSellOrSecuritizeMortgageLoans_5770" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_5769" xlink:to="Locator_ofg_CommitmentsToSellOrSecuritizeMortgageLoans_5770" order="6.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AccumulatedOtherComprehensiveIncomeChangesInOtherComprehensiveIncomeByComponentsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_5785" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_5786" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_5785" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_5786" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_5807" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_5808" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_5807" xlink:to="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_5808" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_5773" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax_5774" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_5773" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax_5774" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_5775" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAvailableforsaleSecurities" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAvailableforsaleSecurities_5776" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_5775" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAvailableforsaleSecurities_5776" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_5777" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ReclassificationOutOfAccumulatedOtherComprehensiveIncome" xlink:label="Locator_ofg_ReclassificationOutOfAccumulatedOtherComprehensiveIncome_5778" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_5777" xlink:to="Locator_ofg_ReclassificationOutOfAccumulatedOtherComprehensiveIncome_5778" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_5779" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeOtherNetOfTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeOtherNetOfTax_5780" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_5779" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeOtherNetOfTax_5780" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_5771" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ChangeAccumulatedOtherComprehensiveIncomeorLossNetOfTax" xlink:label="Locator_ofg_ChangeAccumulatedOtherComprehensiveIncomeorLossNetOfTax_5772" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_5771" xlink:to="Locator_ofg_ChangeAccumulatedOtherComprehensiveIncomeorLossNetOfTax_5772" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_5781" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ChangeAccumulatedOtherComprehensiveIncomeorLossNetOfTax" xlink:label="Locator_ofg_ChangeAccumulatedOtherComprehensiveIncomeorLossNetOfTax_5782" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AccumulatedOtherComprehensiveIncomeLineItems_5781" xlink:to="Locator_ofg_ChangeAccumulatedOtherComprehensiveIncomeorLossNetOfTax_5782" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_5809" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis" xlink:label="Locator_ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis_5810" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_5809" xlink:to="Locator_ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis_5810" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis" xlink:label="Locator_ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis_5817" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_5818" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis_5817" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_5818" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_5811" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTaxMember" xlink:label="Locator_ofg_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTaxMember_5812" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_5811" xlink:to="Locator_ofg_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTaxMember_5812" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_5813" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember" xlink:label="Locator_us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember_5814" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_5813" xlink:to="Locator_us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember_5814" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_5815" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_5816" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_5815" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_5816" order="3.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/OffsettingArrangementsAssetsOffsettingDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentAxis" xlink:label="Locator_us-gaap_FinancialInstrumentAxis_5875" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5876" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancialInstrumentAxis_5875" xlink:to="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5876" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5871" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeMember" xlink:label="Locator_us-gaap_DerivativeMember_5872" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5871" xlink:to="Locator_us-gaap_DerivativeMember_5872" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5873" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellMember" xlink:label="Locator_us-gaap_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellMember_5874" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5873" xlink:to="Locator_us-gaap_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellMember_5874" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAbstract" xlink:label="Locator_us-gaap_OffsettingAbstract_5833" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAssetsTable" xlink:label="Locator_us-gaap_OffsettingAssetsTable_5834" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAbstract_5833" xlink:to="Locator_us-gaap_OffsettingAssetsTable_5834" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAssetsTable" xlink:label="Locator_us-gaap_OffsettingAssetsTable_5867" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAssetsLineItems" xlink:label="Locator_us-gaap_OffsettingAssetsLineItems_5868" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAssetsTable_5867" xlink:to="Locator_us-gaap_OffsettingAssetsLineItems_5868" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAssetsLineItems" xlink:label="Locator_us-gaap_OffsettingAssetsLineItems_5819" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedGross" xlink:label="Locator_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedGross_5820" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAssetsLineItems_5819" xlink:to="Locator_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedGross_5820" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAssetsLineItems" xlink:label="Locator_us-gaap_OffsettingAssetsLineItems_5821" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability" xlink:label="Locator_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability_5822" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAssetsLineItems_5821" xlink:to="Locator_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability_5822" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAssetsLineItems" xlink:label="Locator_us-gaap_OffsettingAssetsLineItems_5823" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowed" xlink:label="Locator_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowed_5824" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAssetsLineItems_5823" xlink:to="Locator_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowed_5824" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAssetsLineItems" xlink:label="Locator_us-gaap_OffsettingAssetsLineItems_5825" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnSecurities" xlink:label="Locator_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnSecurities_5826" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAssetsLineItems_5825" xlink:to="Locator_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnSecurities_5826" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAssetsLineItems" xlink:label="Locator_us-gaap_OffsettingAssetsLineItems_5827" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnCash" xlink:label="Locator_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnCash_5828" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAssetsLineItems_5827" xlink:to="Locator_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnCash_5828" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAssetsLineItems" xlink:label="Locator_us-gaap_OffsettingAssetsLineItems_5829" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedOffsetAgainstCollateral" xlink:label="Locator_ofg_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedOffsetAgainstCollateral_5830" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAssetsLineItems_5829" xlink:to="Locator_ofg_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedOffsetAgainstCollateral_5830" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAssetsTable" xlink:label="Locator_us-gaap_OffsettingAssetsTable_5869" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentAxis" xlink:label="Locator_us-gaap_FinancialInstrumentAxis_5870" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAssetsTable_5869" xlink:to="Locator_us-gaap_FinancialInstrumentAxis_5870" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/OffsettingArrangementLiabilitiesOffsettingDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentAxis" xlink:label="Locator_us-gaap_FinancialInstrumentAxis_5931" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5932" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancialInstrumentAxis_5931" xlink:to="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5932" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5927" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeFinancialInstrumentsLiabilitiesMember" xlink:label="Locator_us-gaap_DerivativeFinancialInstrumentsLiabilitiesMember_5928" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5927" xlink:to="Locator_us-gaap_DerivativeFinancialInstrumentsLiabilitiesMember_5928" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5929" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseMember" xlink:label="Locator_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseMember_5930" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5929" xlink:to="Locator_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseMember_5930" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAbstract" xlink:label="Locator_us-gaap_OffsettingAbstract_5891" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingLiabilitiesTable" xlink:label="Locator_us-gaap_OffsettingLiabilitiesTable_5892" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAbstract_5891" xlink:to="Locator_us-gaap_OffsettingLiabilitiesTable_5892" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingLiabilitiesTable" xlink:label="Locator_us-gaap_OffsettingLiabilitiesTable_5923" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingLiabilitiesLineItems" xlink:label="Locator_us-gaap_OffsettingLiabilitiesLineItems_5924" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingLiabilitiesTable_5923" xlink:to="Locator_us-gaap_OffsettingLiabilitiesLineItems_5924" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingLiabilitiesLineItems" xlink:label="Locator_us-gaap_OffsettingLiabilitiesLineItems_5877" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross" xlink:label="Locator_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross_5878" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingLiabilitiesLineItems_5877" xlink:to="Locator_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross_5878" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingLiabilitiesLineItems" xlink:label="Locator_us-gaap_OffsettingLiabilitiesLineItems_5879" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset" xlink:label="Locator_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_5880" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingLiabilitiesLineItems_5879" xlink:to="Locator_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_5880" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingLiabilitiesLineItems" xlink:label="Locator_us-gaap_OffsettingLiabilitiesLineItems_5881" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned" xlink:label="Locator_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_5882" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingLiabilitiesLineItems_5881" xlink:to="Locator_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_5882" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingLiabilitiesLineItems" xlink:label="Locator_us-gaap_OffsettingLiabilitiesLineItems_5883" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimSecurities" xlink:label="Locator_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimSecurities_5884" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingLiabilitiesLineItems_5883" xlink:to="Locator_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimSecurities_5884" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingLiabilitiesLineItems" xlink:label="Locator_us-gaap_OffsettingLiabilitiesLineItems_5885" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash" xlink:label="Locator_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash_5886" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingLiabilitiesLineItems_5885" xlink:to="Locator_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash_5886" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingLiabilitiesLineItems" xlink:label="Locator_us-gaap_OffsettingLiabilitiesLineItems_5887" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral" xlink:label="Locator_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_5888" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingLiabilitiesLineItems_5887" xlink:to="Locator_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_5888" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingLiabilitiesTable" xlink:label="Locator_us-gaap_OffsettingLiabilitiesTable_5925" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentAxis" xlink:label="Locator_us-gaap_FinancialInstrumentAxis_5926" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingLiabilitiesTable_5925" xlink:to="Locator_us-gaap_FinancialInstrumentAxis_5926" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/OffsettingsOfAssetsLiabilities">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAbstract" xlink:label="Locator_us-gaap_OffsettingAbstract_5933" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BalanceSheetOffsettingTextBlock" xlink:label="Locator_ofg_BalanceSheetOffsettingTextBlock_5934" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAbstract_5933" xlink:to="Locator_ofg_BalanceSheetOffsettingTextBlock_5934" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/OffsettingsOfAssetsLiabilitiesTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAbstract" xlink:label="Locator_us-gaap_OffsettingAbstract_5935" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAssetsTableTextBlock" xlink:label="Locator_us-gaap_OffsettingAssetsTableTextBlock_5936" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAbstract_5935" xlink:to="Locator_us-gaap_OffsettingAssetsTableTextBlock_5936" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAbstract" xlink:label="Locator_us-gaap_OffsettingAbstract_5937" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:label="Locator_us-gaap_OffsettingLiabilitiesTableTextBlock_5938" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAbstract_5937" xlink:to="Locator_us-gaap_OffsettingLiabilitiesTableTextBlock_5938" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/FDICIndemnificationIndemnificationAssetAndTrueupPaymentObligationNarrativeDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="Locator_us-gaap_BusinessCombinationsAbstract_5939" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PercentOfLossesFdicAbsorbs" xlink:label="Locator_ofg_PercentOfLossesFdicAbsorbs_5940" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BusinessCombinationsAbstract_5939" xlink:to="Locator_ofg_PercentOfLossesFdicAbsorbs_5940" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="Locator_us-gaap_BusinessCombinationsAbstract_5941" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PercentOfLossesRecoveriesFdicShares" xlink:label="Locator_ofg_PercentOfLossesRecoveriesFdicShares_5942" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BusinessCombinationsAbstract_5941" xlink:to="Locator_ofg_PercentOfLossesRecoveriesFdicShares_5942" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="Locator_us-gaap_BusinessCombinationsAbstract_5943" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessAcquisitionDateOfAcquisitionAgreement1" xlink:label="Locator_us-gaap_BusinessAcquisitionDateOfAcquisitionAgreement1_5944" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BusinessCombinationsAbstract_5943" xlink:to="Locator_us-gaap_BusinessAcquisitionDateOfAcquisitionAgreement1_5944" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="Locator_us-gaap_BusinessCombinationsAbstract_5945" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DescriptionOfRegulatoryAssistance" xlink:label="Locator_us-gaap_DescriptionOfRegulatoryAssistance_5946" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BusinessCombinationsAbstract_5945" xlink:to="Locator_us-gaap_DescriptionOfRegulatoryAssistance_5946" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="Locator_us-gaap_BusinessCombinationsAbstract_5947" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AdditionalAmortizationOfFdicIndemnificationAsset" xlink:label="Locator_ofg_AdditionalAmortizationOfFdicIndemnificationAsset_5948" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BusinessCombinationsAbstract_5947" xlink:to="Locator_ofg_AdditionalAmortizationOfFdicIndemnificationAsset_5948" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="Locator_us-gaap_BusinessCombinationsAbstract_5949" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ClaimableLossesOnNonSingleFamilyResidentialLoans" xlink:label="Locator_ofg_ClaimableLossesOnNonSingleFamilyResidentialLoans_5950" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BusinessCombinationsAbstract_5949" xlink:to="Locator_ofg_ClaimableLossesOnNonSingleFamilyResidentialLoans_5950" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="Locator_us-gaap_BusinessCombinationsAbstract_5951" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicIndemnificationAssetNoncashPaymentsReceived" xlink:label="Locator_ofg_FdicIndemnificationAssetNoncashPaymentsReceived_5952" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BusinessCombinationsAbstract_5951" xlink:to="Locator_ofg_FdicIndemnificationAssetNoncashPaymentsReceived_5952" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="Locator_us-gaap_BusinessCombinationsAbstract_5953" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FDICOwedPayment" xlink:label="Locator_ofg_FDICOwedPayment_5954" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BusinessCombinationsAbstract_5953" xlink:to="Locator_ofg_FDICOwedPayment_5954" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="Locator_us-gaap_BusinessCombinationsAbstract_5955" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicIndemnificationAssetExpense" xlink:label="Locator_ofg_FdicIndemnificationAssetExpense_5956" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BusinessCombinationsAbstract_5955" xlink:to="Locator_ofg_FdicIndemnificationAssetExpense_5956" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="Locator_us-gaap_BusinessCombinationsAbstract_5957" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepaymentToTheFdicForTheTerminationOfSharedLossAgreements" xlink:label="Locator_ofg_RepaymentToTheFdicForTheTerminationOfSharedLossAgreements_5958" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BusinessCombinationsAbstract_5957" xlink:to="Locator_ofg_RepaymentToTheFdicForTheTerminationOfSharedLossAgreements_5958" order="10.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AccumulatedOtherComprehensiveIncomeReclassificationsOutOfOtherComprehensiveIncomeDetails">
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis" xlink:label="Locator_ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis_6015" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_6016" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis_6015" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_6016" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_6013" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_6014" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_6013" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_6014" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_5975" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_5976" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_5975" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_5976" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_6009" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_6010" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_6009" xlink:to="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_6010" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_5959" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InterestRateContract" xlink:label="Locator_ofg_InterestRateContract_5960" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_5959" xlink:to="Locator_ofg_InterestRateContract_5960" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_5961" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TaxEffectFromIncreaseInCapitalGainsTaxRateCashFlowHedges" xlink:label="Locator_ofg_TaxEffectFromIncreaseInCapitalGainsTaxRateCashFlowHedges_5962" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_5961" xlink:to="Locator_ofg_TaxEffectFromIncreaseInCapitalGainsTaxRateCashFlowHedges_5962" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_5963" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GainOnSaleOfInvestments" xlink:label="Locator_us-gaap_GainOnSaleOfInvestments_5964" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_5963" xlink:to="Locator_us-gaap_GainOnSaleOfInvestments_5964" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_5965" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities_5966" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_5965" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities_5966" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_5967" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TaxEffectReclassifiedFromAccumulatedOciIntoIncomeTaxProvision" xlink:label="Locator_ofg_TaxEffectReclassifiedFromAccumulatedOciIntoIncomeTaxProvision_5968" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_5967" xlink:to="Locator_ofg_TaxEffectReclassifiedFromAccumulatedOciIntoIncomeTaxProvision_5968" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_5969" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TaxEffectFromIncreaseInCapitalGainsTaxRateAfs" xlink:label="Locator_ofg_TaxEffectFromIncreaseInCapitalGainsTaxRateAfs_5970" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_5969" xlink:to="Locator_ofg_TaxEffectFromIncreaseInCapitalGainsTaxRateAfs_5970" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_5971" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NetIncomeLossAttributableToReclassificationsMadeOutOfOtherComprehensiveIncome" xlink:label="Locator_ofg_NetIncomeLossAttributableToReclassificationsMadeOutOfOtherComprehensiveIncome_5972" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_5971" xlink:to="Locator_ofg_NetIncomeLossAttributableToReclassificationsMadeOutOfOtherComprehensiveIncome_5972" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_6011" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis" xlink:label="Locator_ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis_6012" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_6011" xlink:to="Locator_ofg_ReclassificationoutofaccumulatedothercomprehensiveincomeaxisAxis_6012" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/Guarantees">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteesAbstract" xlink:label="Locator_us-gaap_GuaranteesAbstract_6017" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteesTextBlock" xlink:label="Locator_us-gaap_GuaranteesTextBlock_6018" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteesAbstract_6017" xlink:to="Locator_us-gaap_GuaranteesTextBlock_6018" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/GuaranteesNarrativeDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteesAbstract" xlink:label="Locator_us-gaap_GuaranteesAbstract_6045" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfGuaranteeObligationsTable" xlink:label="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_6046" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteesAbstract_6045" xlink:to="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_6046" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfGuaranteeObligationsTable" xlink:label="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_6085" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_6086" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_6085" xlink:to="Locator_us-gaap_GuaranteeObligationsLineItems_6086" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_6019" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredStandbyLettersOfCreditAndFinancialGuarantees" xlink:label="Locator_ofg_AcquiredStandbyLettersOfCreditAndFinancialGuarantees_6020" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsLineItems_6019" xlink:to="Locator_ofg_AcquiredStandbyLettersOfCreditAndFinancialGuarantees_6020" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_6021" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding" xlink:label="Locator_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding_6022" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsLineItems_6021" xlink:to="Locator_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding_6022" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_6023" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchasedLoan" xlink:label="Locator_ofg_RepurchasedLoan_6024" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsLineItems_6023" xlink:to="Locator_ofg_RepurchasedLoan_6024" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_6025" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ObligationWithJointAndSeveralLiabilityArrangementAmountRecognized" xlink:label="Locator_us-gaap_ObligationWithJointAndSeveralLiabilityArrangementAmountRecognized_6026" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsLineItems_6025" xlink:to="Locator_us-gaap_ObligationWithJointAndSeveralLiabilityArrangementAmountRecognized_6026" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_6027" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchasedLoansNotSubjectToCreditRecourseProvision" xlink:label="Locator_ofg_RepurchasedLoansNotSubjectToCreditRecourseProvision_6028" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsLineItems_6027" xlink:to="Locator_ofg_RepurchasedLoansNotSubjectToCreditRecourseProvision_6028" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_6029" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GainsLossesOnRecourseDebt" xlink:label="Locator_us-gaap_GainsLossesOnRecourseDebt_6030" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsLineItems_6029" xlink:to="Locator_us-gaap_GainsLossesOnRecourseDebt_6030" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_6031" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainLossOnRepurchaseLoanNotSubjectToCreditRecourse" xlink:label="Locator_ofg_GainLossOnRepurchaseLoanNotSubjectToCreditRecourse_6032" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsLineItems_6031" xlink:to="Locator_ofg_GainLossOnRepurchaseLoanNotSubjectToCreditRecourse_6032" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_6033" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AmountOfServicedLoans" xlink:label="Locator_ofg_AmountOfServicedLoans_6034" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsLineItems_6033" xlink:to="Locator_ofg_AmountOfServicedLoans_6034" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_6035" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FundsAdvancedToInvestorsUnderServicingAgreements" xlink:label="Locator_ofg_FundsAdvancedToInvestorsUnderServicingAgreements_6036" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsLineItems_6035" xlink:to="Locator_ofg_FundsAdvancedToInvestorsUnderServicingAgreements_6036" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_6037" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ValuationAllowancesAndReservesBalance" xlink:label="Locator_us-gaap_ValuationAllowancesAndReservesBalance_6038" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsLineItems_6037" xlink:to="Locator_us-gaap_ValuationAllowancesAndReservesBalance_6038" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_6039" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TwoYearsOrLessRecourseObligationTerminationAmount" xlink:label="Locator_ofg_TwoYearsOrLessRecourseObligationTerminationAmount_6040" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsLineItems_6039" xlink:to="Locator_ofg_TwoYearsOrLessRecourseObligationTerminationAmount_6040" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_6041" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PercentageOfFutureExtinguishedRecourseObligationTerminatedInTwoYearsOrLess" xlink:label="Locator_ofg_PercentageOfFutureExtinguishedRecourseObligationTerminatedInTwoYearsOrLess_6042" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsLineItems_6041" xlink:to="Locator_ofg_PercentageOfFutureExtinguishedRecourseObligationTerminatedInTwoYearsOrLess_6042" order="12.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfGuaranteeObligationsTable" xlink:label="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_6087" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsByNatureAxis" xlink:label="Locator_us-gaap_GuaranteeObligationsByNatureAxis_6088" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_6087" xlink:to="Locator_us-gaap_GuaranteeObligationsByNatureAxis_6088" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsByNatureAxis" xlink:label="Locator_us-gaap_GuaranteeObligationsByNatureAxis_6089" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsNatureDomain" xlink:label="Locator_us-gaap_GuaranteeObligationsNatureDomain_6090" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsByNatureAxis_6089" xlink:to="Locator_us-gaap_GuaranteeObligationsNatureDomain_6090" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsNatureDomain" xlink:label="Locator_us-gaap_GuaranteeObligationsNatureDomain_6091" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ServicedMortgageLoanMember" xlink:label="Locator_ofg_ServicedMortgageLoanMember_6092" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsNatureDomain_6091" xlink:to="Locator_ofg_ServicedMortgageLoanMember_6092" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ServicedMortgageLoanMember" xlink:label="Locator_ofg_ServicedMortgageLoanMember_6095" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoanWithRecourseMember" xlink:label="Locator_ofg_LoanWithRecourseMember_6096" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ServicedMortgageLoanMember_6095" xlink:to="Locator_ofg_LoanWithRecourseMember_6096" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ServicedMortgageLoanMember" xlink:label="Locator_ofg_ServicedMortgageLoanMember_6097" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoanServicedUnderRepresentationWarrantiesMember" xlink:label="Locator_ofg_LoanServicedUnderRepresentationWarrantiesMember_6098" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ServicedMortgageLoanMember_6097" xlink:to="Locator_ofg_LoanServicedUnderRepresentationWarrantiesMember_6098" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsNatureDomain" xlink:label="Locator_us-gaap_GuaranteeObligationsNatureDomain_6093" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialGuaranteeMember" xlink:label="Locator_us-gaap_FinancialGuaranteeMember_6094" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsNatureDomain_6093" xlink:to="Locator_us-gaap_FinancialGuaranteeMember_6094" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/LoansReceivableAccretableYieldAndNonaccretableDiscountActivityOfAcquiredEurobankLoansDetails">
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis" xlink:label="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_6171" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_6172" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_6171" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_6172" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_6173" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansInFDICAssistedTransactionMember" xlink:label="Locator_ofg_AcquiredLoansInFDICAssistedTransactionMember_6174" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCoveredAndNotCoveredDomain_6173" xlink:to="Locator_ofg_AcquiredLoansInFDICAssistedTransactionMember_6174" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAbstract" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAbstract_6123" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansandleasesreceivablecoveredandnotcoveredTable" xlink:label="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_6124" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAbstract_6123" xlink:to="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_6124" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansandleasesreceivablecoveredandnotcoveredTable" xlink:label="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_6165" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems" xlink:label="Locator_ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems_6166" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_6165" xlink:to="Locator_ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems_6166" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems" xlink:label="Locator_ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems_6099" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_6100" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems_6099" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_6100" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_6107" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion_6108" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_6107" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion_6108" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_6109" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ChangeInExpectedCashFlow" xlink:label="Locator_ofg_ChangeInExpectedCashFlow_6110" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_6109" xlink:to="Locator_ofg_ChangeInExpectedCashFlow_6110" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_6111" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Certainloansacquiredintransfernotaccountedforasdebtsecuritiesaccretableyieldreclassificationsfromtononaccretabledifference" xlink:label="Locator_ofg_Certainloansacquiredintransfernotaccountedforasdebtsecuritiesaccretableyieldreclassificationsfromtononaccretabledifference_6112" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_6111" xlink:to="Locator_ofg_Certainloansacquiredintransfernotaccountedforasdebtsecuritiesaccretableyieldreclassificationsfromtononaccretabledifference_6112" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_6105" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield_6106" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_6105" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield_6106" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_6113" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield_6114" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward_6113" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield_6114" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems" xlink:label="Locator_ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems_6101" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_6102" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainloansacquiredintransfernotaccountedforasdebtsecuritiesLineItems_6101" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_6102" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_6117" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountPrincipalLosses" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountPrincipalLosses_6118" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_6117" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountPrincipalLosses_6118" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_6119" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountReclassificationsFromAccretableYield" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountReclassificationsFromAccretableYield_6120" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_6119" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountReclassificationsFromAccretableYield_6120" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_6115" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference_6116" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_6115" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference_6116" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_6121" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference" xlink:label="Locator_us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference_6122" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableDiscountMovementScheduleRollForward_6121" xlink:to="Locator_us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference_6122" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansandleasesreceivablecoveredandnotcoveredTable" xlink:label="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_6167" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis" xlink:label="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_6168" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_6167" xlink:to="Locator_ofg_LoansAndLeasesReceivableCoveredAndNotCoveredAxis_6168" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansandleasesreceivablecoveredandnotcoveredTable" xlink:label="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_6169" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_6170" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_LoansandleasesreceivablecoveredandnotcoveredTable_6169" xlink:to="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_6170" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_6175" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_6176" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_6175" xlink:to="Locator_us-gaap_ReceivableTypeDomain_6176" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_6177" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember" xlink:label="Locator_ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember_6178" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_6177" xlink:to="Locator_ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember_6178" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_6179" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialAndOtherConstructionMember" xlink:label="Locator_ofg_CommercialAndOtherConstructionMember_6180" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_6179" xlink:to="Locator_ofg_CommercialAndOtherConstructionMember_6180" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_6181" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConstructionAndDevelopmentSecuredByFamilyPropertiesMember" xlink:label="Locator_ofg_ConstructionAndDevelopmentSecuredByFamilyPropertiesMember_6182" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_6181" xlink:to="Locator_ofg_ConstructionAndDevelopmentSecuredByFamilyPropertiesMember_6182" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_6183" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AutoAndLeasingLoansReceivableMember" xlink:label="Locator_ofg_AutoAndLeasingLoansReceivableMember_6184" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_6183" xlink:to="Locator_ofg_AutoAndLeasingLoansReceivableMember_6184" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_6185" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_6186" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_6185" xlink:to="Locator_us-gaap_ConsumerLoanMember_6186" order="5.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DerivativeActivitiesInterestRateSwapNotDesignatedAsHedgingInstrumentsAndTheirTermDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_6245" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_6246" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentRiskAxis_6245" xlink:to="Locator_us-gaap_DerivativeContractTypeDomain_6246" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_6247" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SwapMember" xlink:label="Locator_us-gaap_SwapMember_6248" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_6247" xlink:to="Locator_us-gaap_SwapMember_6248" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SwapMember" xlink:label="Locator_us-gaap_SwapMember_6235" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativesOfferedToClientsMember" xlink:label="Locator_ofg_DerivativesOfferedToClientsMember_6236" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SwapMember_6235" xlink:to="Locator_ofg_DerivativesOfferedToClientsMember_6236" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SwapMember" xlink:label="Locator_us-gaap_SwapMember_6237" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MirrorImageDerivativesMember" xlink:label="Locator_ofg_MirrorImageDerivativesMember_6238" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SwapMember_6237" xlink:to="Locator_ofg_MirrorImageDerivativesMember_6238" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentDetailAbstract" xlink:label="Locator_us-gaap_DerivativeInstrumentDetailAbstract_6199" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeTable" xlink:label="Locator_us-gaap_DerivativeTable_6200" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentDetailAbstract_6199" xlink:to="Locator_us-gaap_DerivativeTable_6200" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeTable" xlink:label="Locator_us-gaap_DerivativeTable_6229" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_6230" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeTable_6229" xlink:to="Locator_us-gaap_DerivativeLineItems_6230" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_6187" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_DerivativeNotionalAmount" xlink:label="Locator_invest_DerivativeNotionalAmount_6188" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_6187" xlink:to="Locator_invest_DerivativeNotionalAmount_6188" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_6189" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAverageFixedInterestRate" xlink:label="Locator_us-gaap_DerivativeAverageFixedInterestRate_6190" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_6189" xlink:to="Locator_us-gaap_DerivativeAverageFixedInterestRate_6190" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_6191" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInceptionDates" xlink:label="Locator_us-gaap_DerivativeInceptionDates_6192" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_6191" xlink:to="Locator_us-gaap_DerivativeInceptionDates_6192" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_6193" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentContractSettlementDate" xlink:label="Locator_invest_InvestmentContractSettlementDate_6194" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_6193" xlink:to="Locator_invest_InvestmentContractSettlementDate_6194" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_6195" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeMaturityDates" xlink:label="Locator_us-gaap_DerivativeMaturityDates_6196" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_6195" xlink:to="Locator_us-gaap_DerivativeMaturityDates_6196" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeTable" xlink:label="Locator_us-gaap_DerivativeTable_6231" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_6232" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeTable_6231" xlink:to="Locator_us-gaap_DerivativeInstrumentRiskAxis_6232" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeTable" xlink:label="Locator_us-gaap_DerivativeTable_6233" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeByInterestRateAxis" xlink:label="Locator_ofg_DerivativeByInterestRateAxis_6234" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeTable_6233" xlink:to="Locator_ofg_DerivativeByInterestRateAxis_6234" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeByInterestRateAxis" xlink:label="Locator_ofg_DerivativeByInterestRateAxis_6239" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeByInterestRateDomain" xlink:label="Locator_ofg_DerivativeByInterestRateDomain_6240" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DerivativeByInterestRateAxis_6239" xlink:to="Locator_ofg_DerivativeByInterestRateDomain_6240" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeByInterestRateDomain" xlink:label="Locator_ofg_DerivativeByInterestRateDomain_6241" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Rate513Member" xlink:label="Locator_ofg_Rate513Member_6242" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DerivativeByInterestRateDomain_6241" xlink:to="Locator_ofg_Rate513Member_6242" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DerivativeByInterestRateDomain" xlink:label="Locator_ofg_DerivativeByInterestRateDomain_6243" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Rate551Member" xlink:label="Locator_ofg_Rate551Member_6244" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DerivativeByInterestRateDomain_6243" xlink:to="Locator_ofg_Rate551Member_6244" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AccruedInterestReceivableAndOtherAssets">
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Accruedinterestreceivableandotherassetsabstract" xlink:label="Locator_ofg_Accruedinterestreceivableandotherassetsabstract_6249" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsDisclosureTextBlock" xlink:label="Locator_us-gaap_OtherAssetsDisclosureTextBlock_6250" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_Accruedinterestreceivableandotherassetsabstract_6249" xlink:to="Locator_us-gaap_OtherAssetsDisclosureTextBlock_6250" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/InvestmentSecuritiesOtherthantemporarilyImpairedSecuritiesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_6251" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward_6252" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_6251" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward_6252" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward_6255" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsSecuritiesSold" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsSecuritiesSold_6256" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward_6255" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsSecuritiesSold_6256" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward_6257" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsPeriodIncreaseDecrease" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsPeriodIncreaseDecrease_6258" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward_6257" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsPeriodIncreaseDecrease_6258" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward_6253" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld_6254" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward_6253" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld_6254" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward_6259" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld" xlink:label="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld_6260" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward_6259" xlink:to="Locator_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld_6260" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/RestictedCash">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndInvestmentsAbstract" xlink:label="Locator_us-gaap_RestrictedCashAndInvestmentsAbstract_6261" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedAssetsDisclosureTextBlock" xlink:label="Locator_us-gaap_RestrictedAssetsDisclosureTextBlock_6262" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RestrictedCashAndInvestmentsAbstract_6261" xlink:to="Locator_us-gaap_RestrictedAssetsDisclosureTextBlock_6262" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DisclosureRestrictedCashTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndInvestmentsAbstract" xlink:label="Locator_us-gaap_RestrictedCashAndInvestmentsAbstract_6263" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTextBlock" xlink:label="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTextBlock_6264" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RestrictedCashAndInvestmentsAbstract_6263" xlink:to="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTextBlock_6264" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/RestrictedCashCompositionDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_6287" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_6288" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeAxis_6287" xlink:to="Locator_us-gaap_InvestmentTypeCategorizationMember_6288" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_6289" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember" xlink:label="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_6290" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_6289" xlink:to="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_6290" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_6291" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeMember" xlink:label="Locator_us-gaap_DerivativeMember_6292" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_6291" xlink:to="Locator_us-gaap_DerivativeMember_6292" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_6293" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ResidentialLoansSoldWithRecourseMember" xlink:label="Locator_ofg_ResidentialLoansSoldWithRecourseMember_6294" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_6293" xlink:to="Locator_ofg_ResidentialLoansSoldWithRecourseMember_6294" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndInvestmentsAbstract" xlink:label="Locator_us-gaap_RestrictedCashAndInvestmentsAbstract_6269" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable" xlink:label="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable_6270" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RestrictedCashAndInvestmentsAbstract_6269" xlink:to="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable_6270" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable" xlink:label="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable_6283" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems" xlink:label="Locator_us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems_6284" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable_6283" xlink:to="Locator_us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems_6284" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems" xlink:label="Locator_us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems_6265" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="Locator_us-gaap_RestrictedCashAndCashEquivalents_6266" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems_6265" xlink:to="Locator_us-gaap_RestrictedCashAndCashEquivalents_6266" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable" xlink:label="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable_6285" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_6286" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable_6285" xlink:to="Locator_us-gaap_InvestmentTypeAxis_6286" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AllowanceForLoanAndLeaseLossesCompositionOfTheCompanysAllowanceForLoanAndLeaseLossesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_6351" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_6352" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_6351" xlink:to="Locator_us-gaap_ReceivableTypeDomain_6352" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_6353" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_NonAcquiredLoanMember" xlink:label="Locator_ofg_NonAcquiredLoanMember_6354" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_6353" xlink:to="Locator_ofg_NonAcquiredLoanMember_6354" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_6355" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansMember" xlink:label="Locator_ofg_AcquiredLoansMember_6356" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_6355" xlink:to="Locator_ofg_AcquiredLoansMember_6356" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_6375" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_6376" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_6375" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_6376" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_6377" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredBbvaprLoansMember" xlink:label="Locator_ofg_AcquiredBbvaprLoansMember_6378" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_6377" xlink:to="Locator_ofg_AcquiredBbvaprLoansMember_6378" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredBbvaprLoansMember" xlink:label="Locator_ofg_AcquiredBbvaprLoansMember_6381" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedForUnderAsc31020Member" xlink:label="Locator_ofg_AccountedForUnderAsc31020Member_6382" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AcquiredBbvaprLoansMember_6381" xlink:to="Locator_ofg_AccountedForUnderAsc31020Member_6382" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredBbvaprLoansMember" xlink:label="Locator_ofg_AcquiredBbvaprLoansMember_6383" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccountedForUnderAsc31030Member" xlink:label="Locator_ofg_AccountedForUnderAsc31030Member_6384" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_AcquiredBbvaprLoansMember_6383" xlink:to="Locator_ofg_AccountedForUnderAsc31030Member_6384" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_6379" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredLoansInFDICAssistedTransactionMember" xlink:label="Locator_ofg_AcquiredLoansInFDICAssistedTransactionMember_6380" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodDomain_6379" xlink:to="Locator_ofg_AcquiredLoansInFDICAssistedTransactionMember_6380" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_6373" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6374" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_6373" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6374" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6357" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_6358" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6357" xlink:to="Locator_us-gaap_MortgagesMember_6358" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6359" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_6360" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6359" xlink:to="Locator_us-gaap_CommercialLoanMember_6360" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6361" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_6362" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6361" xlink:to="Locator_us-gaap_ConsumerLoanMember_6362" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6363" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AutoAndLeasingLoansReceivableMember" xlink:label="Locator_ofg_AutoAndLeasingLoansReceivableMember_6364" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6363" xlink:to="Locator_ofg_AutoAndLeasingLoansReceivableMember_6364" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6365" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnallocatedFinancingReceivablesMember" xlink:label="Locator_us-gaap_UnallocatedFinancingReceivablesMember_6366" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6365" xlink:to="Locator_us-gaap_UnallocatedFinancingReceivablesMember_6366" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6367" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AutomobileLoanMember" xlink:label="Locator_us-gaap_AutomobileLoanMember_6368" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6367" xlink:to="Locator_us-gaap_AutomobileLoanMember_6368" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6369" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember" xlink:label="Locator_ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember_6370" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6369" xlink:to="Locator_ofg_LoansSecuredBy14FamilyResidentialPropertiesCoveredMember_6370" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6371" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CommercialAndOtherConstructionMember" xlink:label="Locator_ofg_CommercialAndOtherConstructionMember_6372" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6371" xlink:to="Locator_ofg_CommercialAndOtherConstructionMember_6372" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_6295" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableAllowance_6296" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_6295" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableAllowance_6296" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ValuationAllowanceAbstract" xlink:label="Locator_us-gaap_ValuationAllowanceAbstract_6299" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6300" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ValuationAllowanceAbstract_6299" xlink:to="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6300" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6343" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_6344" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6343" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_6344" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6345" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_6346" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6345" xlink:to="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_6346" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6347" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis" xlink:label="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_6348" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6347" xlink:to="Locator_ofg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAxis_6348" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6349" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_6350" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6349" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_6350" order="3.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DerivativeActivitiesMaturityYearsOfSwaptionsTiedToSPDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeInstrumentDetailAbstract" xlink:label="Locator_us-gaap_DerivativeInstrumentDetailAbstract_6407" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SwapoptiontableTable" xlink:label="Locator_ofg_SwapoptiontableTable_6408" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentDetailAbstract_6407" xlink:to="Locator_ofg_SwapoptiontableTable_6408" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SwapoptiontableTable" xlink:label="Locator_ofg_SwapoptiontableTable_6449" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SwapOptionsContractDueDateLineItems" xlink:label="Locator_ofg_SwapOptionsContractDueDateLineItems_6450" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_SwapoptiontableTable_6449" xlink:to="Locator_ofg_SwapOptionsContractDueDateLineItems_6450" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SwapOptionsContractDueDateLineItems" xlink:label="Locator_ofg_SwapOptionsContractDueDateLineItems_6385" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ContractReceivableAbstract" xlink:label="Locator_us-gaap_ContractReceivableAbstract_6386" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_SwapOptionsContractDueDateLineItems_6385" xlink:to="Locator_us-gaap_ContractReceivableAbstract_6386" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ContractReceivableAbstract" xlink:label="Locator_us-gaap_ContractReceivableAbstract_6391" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ContractReceivableDueOneYearOrLess" xlink:label="Locator_us-gaap_ContractReceivableDueOneYearOrLess_6392" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ContractReceivableAbstract_6391" xlink:to="Locator_us-gaap_ContractReceivableDueOneYearOrLess_6392" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ContractReceivableAbstract" xlink:label="Locator_us-gaap_ContractReceivableAbstract_6393" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ContractReceivableDueOneToTwoYears" xlink:label="Locator_us-gaap_ContractReceivableDueOneToTwoYears_6394" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ContractReceivableAbstract_6393" xlink:to="Locator_us-gaap_ContractReceivableDueOneToTwoYears_6394" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ContractReceivableAbstract" xlink:label="Locator_us-gaap_ContractReceivableAbstract_6395" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ContractReceivableDueTwoToThreeYears" xlink:label="Locator_us-gaap_ContractReceivableDueTwoToThreeYears_6396" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ContractReceivableAbstract_6395" xlink:to="Locator_us-gaap_ContractReceivableDueTwoToThreeYears_6396" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ContractReceivableAbstract" xlink:label="Locator_us-gaap_ContractReceivableAbstract_6397" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsReceivableBilledForLongTermContractsOrPrograms" xlink:label="Locator_us-gaap_AccountsReceivableBilledForLongTermContractsOrPrograms_6398" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ContractReceivableAbstract_6397" xlink:to="Locator_us-gaap_AccountsReceivableBilledForLongTermContractsOrPrograms_6398" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SwapOptionsContractDueDateLineItems" xlink:label="Locator_ofg_SwapOptionsContractDueDateLineItems_6387" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PurchaseObligationFiscalYearMaturityAbstract" xlink:label="Locator_us-gaap_PurchaseObligationFiscalYearMaturityAbstract_6388" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_SwapOptionsContractDueDateLineItems_6387" xlink:to="Locator_us-gaap_PurchaseObligationFiscalYearMaturityAbstract_6388" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PurchaseObligationFiscalYearMaturityAbstract" xlink:label="Locator_us-gaap_PurchaseObligationFiscalYearMaturityAbstract_6399" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PurchaseObligationDueInNextTwelveMonths" xlink:label="Locator_us-gaap_PurchaseObligationDueInNextTwelveMonths_6400" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PurchaseObligationFiscalYearMaturityAbstract_6399" xlink:to="Locator_us-gaap_PurchaseObligationDueInNextTwelveMonths_6400" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PurchaseObligationFiscalYearMaturityAbstract" xlink:label="Locator_us-gaap_PurchaseObligationFiscalYearMaturityAbstract_6401" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PurchaseObligationDueInSecondYear" xlink:label="Locator_us-gaap_PurchaseObligationDueInSecondYear_6402" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PurchaseObligationFiscalYearMaturityAbstract_6401" xlink:to="Locator_us-gaap_PurchaseObligationDueInSecondYear_6402" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PurchaseObligationFiscalYearMaturityAbstract" xlink:label="Locator_us-gaap_PurchaseObligationFiscalYearMaturityAbstract_6403" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PurchaseObligationDueInThirdYear" xlink:label="Locator_us-gaap_PurchaseObligationDueInThirdYear_6404" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PurchaseObligationFiscalYearMaturityAbstract_6403" xlink:to="Locator_us-gaap_PurchaseObligationDueInThirdYear_6404" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PurchaseObligationFiscalYearMaturityAbstract" xlink:label="Locator_us-gaap_PurchaseObligationFiscalYearMaturityAbstract_6405" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PurchaseObligation" xlink:label="Locator_us-gaap_PurchaseObligation_6406" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PurchaseObligationFiscalYearMaturityAbstract_6405" xlink:to="Locator_us-gaap_PurchaseObligation_6406" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SwapoptiontableTable" xlink:label="Locator_ofg_SwapoptiontableTable_6451" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MajorTypesOfEquitySecuritiesSwaptionAxis" xlink:label="Locator_ofg_MajorTypesOfEquitySecuritiesSwaptionAxis_6452" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_SwapoptiontableTable_6451" xlink:to="Locator_ofg_MajorTypesOfEquitySecuritiesSwaptionAxis_6452" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MajorTypesOfEquitySecuritiesSwaptionAxis" xlink:label="Locator_ofg_MajorTypesOfEquitySecuritiesSwaptionAxis_6453" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MajortypesofequitysecuritiesswaptionDomain" xlink:label="Locator_ofg_MajortypesofequitysecuritiesswaptionDomain_6454" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_MajorTypesOfEquitySecuritiesSwaptionAxis_6453" xlink:to="Locator_ofg_MajortypesofequitysecuritiesswaptionDomain_6454" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MajortypesofequitysecuritiesswaptionDomain" xlink:label="Locator_ofg_MajortypesofequitysecuritiesswaptionDomain_6455" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SwaptionMember" xlink:label="Locator_us-gaap_SwaptionMember_6456" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_MajortypesofequitysecuritiesswaptionDomain_6455" xlink:to="Locator_us-gaap_SwaptionMember_6456" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BorrowingsOtherSignificantDetailsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentsAbstract" xlink:label="Locator_us-gaap_DebtInstrumentsAbstract_6457" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DisclosureOfRepurchaseAgreementsAbstract" xlink:label="Locator_us-gaap_DisclosureOfRepurchaseAgreementsAbstract_6458" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentsAbstract_6457" xlink:to="Locator_us-gaap_DisclosureOfRepurchaseAgreementsAbstract_6458" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DisclosureOfRepurchaseAgreementsAbstract" xlink:label="Locator_us-gaap_DisclosureOfRepurchaseAgreementsAbstract_6459" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AverageDailyAggregateBalanceOutstanding" xlink:label="Locator_ofg_AverageDailyAggregateBalanceOutstanding_6460" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DisclosureOfRepurchaseAgreementsAbstract_6459" xlink:to="Locator_ofg_AverageDailyAggregateBalanceOutstanding_6460" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DisclosureOfRepurchaseAgreementsAbstract" xlink:label="Locator_us-gaap_DisclosureOfRepurchaseAgreementsAbstract_6461" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MaximumOutstandingBalanceAtAnyMonthEnd" xlink:label="Locator_ofg_MaximumOutstandingBalanceAtAnyMonthEnd_6462" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DisclosureOfRepurchaseAgreementsAbstract_6461" xlink:to="Locator_ofg_MaximumOutstandingBalanceAtAnyMonthEnd_6462" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DisclosureOfRepurchaseAgreementsAbstract" xlink:label="Locator_us-gaap_DisclosureOfRepurchaseAgreementsAbstract_6463" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementWeightedAverageInterestRateDuringYear" xlink:label="Locator_ofg_RepurchaseAgreementWeightedAverageInterestRateDuringYear_6464" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DisclosureOfRepurchaseAgreementsAbstract_6463" xlink:to="Locator_ofg_RepurchaseAgreementWeightedAverageInterestRateDuringYear_6464" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DisclosureOfRepurchaseAgreementsAbstract" xlink:label="Locator_us-gaap_DisclosureOfRepurchaseAgreementsAbstract_6465" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementWeightedAverageInterestRateAtYearEnd" xlink:label="Locator_ofg_RepurchaseAgreementWeightedAverageInterestRateAtYearEnd_6466" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DisclosureOfRepurchaseAgreementsAbstract_6465" xlink:to="Locator_ofg_RepurchaseAgreementWeightedAverageInterestRateAtYearEnd_6466" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BorrowingsRepurchaseTransactionLiabilityAndMarketValueOfItsUnderlyingCollateralDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_6513" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsSoldUnderAgreementsToRepurchaseLineItems" xlink:label="Locator_us-gaap_AssetsSoldUnderAgreementsToRepurchaseLineItems_6514" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_6513" xlink:to="Locator_us-gaap_AssetsSoldUnderAgreementsToRepurchaseLineItems_6514" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsSoldUnderAgreementsToRepurchaseLineItems" xlink:label="Locator_us-gaap_AssetsSoldUnderAgreementsToRepurchaseLineItems_6467" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsSoldUnderAgreementsToRepurchaseRepurchaseLiability" xlink:label="Locator_us-gaap_AssetsSoldUnderAgreementsToRepurchaseRepurchaseLiability_6468" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsSoldUnderAgreementsToRepurchaseLineItems_6467" xlink:to="Locator_us-gaap_AssetsSoldUnderAgreementsToRepurchaseRepurchaseLiability_6468" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsSoldUnderAgreementsToRepurchaseLineItems" xlink:label="Locator_us-gaap_AssetsSoldUnderAgreementsToRepurchaseLineItems_6469" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate" xlink:label="Locator_us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate_6470" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsSoldUnderAgreementsToRepurchaseLineItems_6469" xlink:to="Locator_us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate_6470" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsSoldUnderAgreementsToRepurchaseLineItems" xlink:label="Locator_us-gaap_AssetsSoldUnderAgreementsToRepurchaseLineItems_6471" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsSoldUnderAgreementsToRepurchaseMarketValue" xlink:label="Locator_us-gaap_AssetsSoldUnderAgreementsToRepurchaseMarketValue_6472" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsSoldUnderAgreementsToRepurchaseLineItems_6471" xlink:to="Locator_us-gaap_AssetsSoldUnderAgreementsToRepurchaseMarketValue_6472" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_6515" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="Locator_us-gaap_DebtInstrumentAxis_6516" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_6515" xlink:to="Locator_us-gaap_DebtInstrumentAxis_6516" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="Locator_us-gaap_DebtInstrumentAxis_6521" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_6522" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentAxis_6521" xlink:to="Locator_us-gaap_DebtInstrumentNameDomain_6522" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_6523" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember" xlink:label="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_6524" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_6523" xlink:to="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_6524" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_6517" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DebtDueDateAxis" xlink:label="Locator_ofg_DebtDueDateAxis_6518" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_6517" xlink:to="Locator_ofg_DebtDueDateAxis_6518" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DebtDueDateAxis" xlink:label="Locator_ofg_DebtDueDateAxis_6525" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_6526" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_DebtDueDateAxis_6525" xlink:to="Locator_ofg_RepurchaseAgreementsDueDateDomain_6526" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_6527" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaturityUpTo30DaysMember" xlink:label="Locator_us-gaap_MaturityUpTo30DaysMember_6528" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_6527" xlink:to="Locator_us-gaap_MaturityUpTo30DaysMember_6528" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_6529" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Maturity30To90DaysMember" xlink:label="Locator_us-gaap_Maturity30To90DaysMember_6530" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_6529" xlink:to="Locator_us-gaap_Maturity30To90DaysMember_6530" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RepurchaseAgreementsDueDateDomain" xlink:label="Locator_ofg_RepurchaseAgreementsDueDateDomain_6531" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaturityOver90DaysMember" xlink:label="Locator_us-gaap_MaturityOver90DaysMember_6532" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_RepurchaseAgreementsDueDateDomain_6531" xlink:to="Locator_us-gaap_MaturityOver90DaysMember_6532" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_6519" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentAxis" xlink:label="Locator_us-gaap_FinancialInstrumentAxis_6520" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentTable_6519" xlink:to="Locator_us-gaap_FinancialInstrumentAxis_6520" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentAxis" xlink:label="Locator_us-gaap_FinancialInstrumentAxis_6533" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6534" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancialInstrumentAxis_6533" xlink:to="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6534" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6535" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FnmaAndFhlmcMember" xlink:label="Locator_ofg_FnmaAndFhlmcMember_6536" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6535" xlink:to="Locator_ofg_FnmaAndFhlmcMember_6536" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6537" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember" xlink:label="Locator_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_6538" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6537" xlink:to="Locator_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_6538" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6539" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CollateralizedMortgageObligationsMember" xlink:label="Locator_us-gaap_CollateralizedMortgageObligationsMember_6540" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6539" xlink:to="Locator_us-gaap_CollateralizedMortgageObligationsMember_6540" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6541" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" xlink:label="Locator_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_6542" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6541" xlink:to="Locator_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_6542" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6543" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USTreasurySecuritiesMember" xlink:label="Locator_us-gaap_USTreasurySecuritiesMember_6544" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6543" xlink:to="Locator_us-gaap_USTreasurySecuritiesMember_6544" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="Locator_us-gaap_DebtDisclosureAbstract_6475" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="Locator_us-gaap_DebtInstrumentTable_6476" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtDisclosureAbstract_6475" xlink:to="Locator_us-gaap_DebtInstrumentTable_6476" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AccruedInterestReceivableAndOtherAssetsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:label="Locator_us-gaap_AccountsReceivableNetAbstract_6545" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AccruedInterestReceivableOnNonCoveredLoans" xlink:label="Locator_ofg_AccruedInterestReceivableOnNonCoveredLoans_6546" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsReceivableNetAbstract_6545" xlink:to="Locator_ofg_AccruedInterestReceivableOnNonCoveredLoans_6546" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:label="Locator_us-gaap_AccountsReceivableNetAbstract_6547" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:label="Locator_us-gaap_AccruedInvestmentIncomeReceivable_6548" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsReceivableNetAbstract_6547" xlink:to="Locator_us-gaap_AccruedInvestmentIncomeReceivable_6548" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:label="Locator_us-gaap_AccountsReceivableNetAbstract_6549" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestReceivable" xlink:label="Locator_us-gaap_InterestReceivable_6550" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsReceivableNetAbstract_6549" xlink:to="Locator_us-gaap_InterestReceivable_6550" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/GuaranteesTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteesAbstract" xlink:label="Locator_us-gaap_GuaranteesAbstract_6555" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfGuaranteeObligationsTextBlock" xlink:label="Locator_us-gaap_ScheduleOfGuaranteeObligationsTextBlock_6556" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteesAbstract_6555" xlink:to="Locator_us-gaap_ScheduleOfGuaranteeObligationsTextBlock_6556" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/GuaranteesChangesInLiabiltyOfEstimatedLossFromCreditRecourseAgreementDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteesAbstract" xlink:label="Locator_us-gaap_GuaranteesAbstract_6557" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward" xlink:label="Locator_us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward_6558" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteesAbstract_6557" xlink:to="Locator_us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward_6558" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward" xlink:label="Locator_us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward_6561" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsIncurredBenefits1" xlink:label="Locator_us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsIncurredBenefits1_6562" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward_6561" xlink:to="Locator_us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsIncurredBenefits1_6562" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward" xlink:label="Locator_us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward_6563" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsPaymentForBenefits" xlink:label="Locator_us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsPaymentForBenefits_6564" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward_6563" xlink:to="Locator_us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsPaymentForBenefits_6564" order="3.0" preferredLabel="http://www.xbrl.org/2009/role/negatedNetLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward" xlink:label="Locator_us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward_6559" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsGuaranteedBenefitLiabilityGross" xlink:label="Locator_us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsGuaranteedBenefitLiabilityGross_6560" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward_6559" xlink:to="Locator_us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsGuaranteedBenefitLiabilityGross_6560" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward" xlink:label="Locator_us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward_6565" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsGuaranteedBenefitLiabilityGross" xlink:label="Locator_us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsGuaranteedBenefitLiabilityGross_6566" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward_6565" xlink:to="Locator_us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsGuaranteedBenefitLiabilityGross_6566" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/StockholdersEquitySharesRepurchasedUnderTheStockRepurchaseProgramDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6571" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="Locator_us-gaap_TreasuryStockValue_6572" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6571" xlink:to="Locator_us-gaap_TreasuryStockValue_6572" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6567" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased" xlink:label="Locator_us-gaap_StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased_6568" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6567" xlink:to="Locator_us-gaap_StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased_6568" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6569" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockAcquiredAverageCostPerShare" xlink:label="Locator_us-gaap_TreasuryStockAcquiredAverageCostPerShare_6570" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6569" xlink:to="Locator_us-gaap_TreasuryStockAcquiredAverageCostPerShare_6570" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareRepurchaseProgramAxis" xlink:label="Locator_us-gaap_ShareRepurchaseProgramAxis_6607" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareRepurchaseProgramDomain" xlink:label="Locator_us-gaap_ShareRepurchaseProgramDomain_6608" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareRepurchaseProgramAxis_6607" xlink:to="Locator_us-gaap_ShareRepurchaseProgramDomain_6608" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareRepurchaseProgramDomain" xlink:label="Locator_us-gaap_ShareRepurchaseProgramDomain_6609" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SecondQuarterMember" xlink:label="Locator_ofg_SecondQuarterMember_6610" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareRepurchaseProgramDomain_6609" xlink:to="Locator_ofg_SecondQuarterMember_6610" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SecondQuarterMember" xlink:label="Locator_ofg_SecondQuarterMember_6615" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_April2015Member" xlink:label="Locator_ofg_April2015Member_6616" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_SecondQuarterMember_6615" xlink:to="Locator_ofg_April2015Member_6616" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SecondQuarterMember" xlink:label="Locator_ofg_SecondQuarterMember_6617" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_May2015Member" xlink:label="Locator_ofg_May2015Member_6618" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_SecondQuarterMember_6617" xlink:to="Locator_ofg_May2015Member_6618" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SecondQuarterMember" xlink:label="Locator_ofg_SecondQuarterMember_6619" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_June2015Member" xlink:label="Locator_ofg_June2015Member_6620" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_SecondQuarterMember_6619" xlink:to="Locator_ofg_June2015Member_6620" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareRepurchaseProgramDomain" xlink:label="Locator_us-gaap_ShareRepurchaseProgramDomain_6611" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ThirdQuarterMember" xlink:label="Locator_ofg_ThirdQuarterMember_6612" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareRepurchaseProgramDomain_6611" xlink:to="Locator_ofg_ThirdQuarterMember_6612" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ThirdQuarterMember" xlink:label="Locator_ofg_ThirdQuarterMember_6621" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_July2015Member" xlink:label="Locator_ofg_July2015Member_6622" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ThirdQuarterMember_6621" xlink:to="Locator_ofg_July2015Member_6622" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareRepurchaseProgramDomain" xlink:label="Locator_us-gaap_ShareRepurchaseProgramDomain_6613" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SeventymillionsrepurchaseprogramMember" xlink:label="Locator_ofg_SeventymillionsrepurchaseprogramMember_6614" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareRepurchaseProgramDomain_6613" xlink:to="Locator_ofg_SeventymillionsrepurchaseprogramMember_6614" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_StockRepurchaseProgramAbstract" xlink:label="Locator_ofg_StockRepurchaseProgramAbstract_6575" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfTreasuryStockTable" xlink:label="Locator_us-gaap_ClassOfTreasuryStockTable_6576" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_StockRepurchaseProgramAbstract_6575" xlink:to="Locator_us-gaap_ClassOfTreasuryStockTable_6576" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfTreasuryStockTable" xlink:label="Locator_us-gaap_ClassOfTreasuryStockTable_6603" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6604" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ClassOfTreasuryStockTable_6603" xlink:to="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6604" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfTreasuryStockTable" xlink:label="Locator_us-gaap_ClassOfTreasuryStockTable_6605" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareRepurchaseProgramAxis" xlink:label="Locator_us-gaap_ShareRepurchaseProgramAxis_6606" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ClassOfTreasuryStockTable_6605" xlink:to="Locator_us-gaap_ShareRepurchaseProgramAxis_6606" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/SubsequentEvent">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventsAbstract" xlink:label="Locator_us-gaap_SubsequentEventsAbstract_6623" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventsTextBlock" xlink:label="Locator_us-gaap_SubsequentEventsTextBlock_6624" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SubsequentEventsAbstract_6623" xlink:to="Locator_us-gaap_SubsequentEventsTextBlock_6624" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/ServicingAssetsSensitivityOfCurrentFairValueOfServicingAssetsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6661" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_6662" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6661" xlink:to="Locator_us-gaap_ConventionalLoanMember_6662" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6663" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LeaseMember" xlink:label="Locator_ofg_LeaseMember_6664" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6663" xlink:to="Locator_ofg_LeaseMember_6664" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueTable" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueTable_6657" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6658" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueTable_6657" xlink:to="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6658" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6625" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAsset" xlink:label="Locator_us-gaap_ServicingAsset_6626" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6625" xlink:to="Locator_us-gaap_ServicingAsset_6626" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6627" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed" xlink:label="Locator_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_6628" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6627" xlink:to="Locator_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_6628" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6629" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed" xlink:label="Locator_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed_6630" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6629" xlink:to="Locator_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed_6630" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6631" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInDiscountRate" xlink:label="Locator_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInDiscountRate_6632" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6631" xlink:to="Locator_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInDiscountRate_6632" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6633" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInDiscountRate" xlink:label="Locator_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInDiscountRate_6634" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6633" xlink:to="Locator_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInDiscountRate_6634" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueTable" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueTable_6659" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentbytypesAxis" xlink:label="Locator_ofg_FinancialinstrumentbytypesAxis_6660" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueTable_6659" xlink:to="Locator_ofg_FinancialinstrumentbytypesAxis_6660" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentbytypesAxis" xlink:label="Locator_ofg_FinancialinstrumentbytypesAxis_6665" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6666" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentbytypesAxis_6665" xlink:to="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6666" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestsContinuedToBeHeldByTransferorInFinancialAssetsThatItHasSecuritizedOrServicingAssetsOrLiabilitiesRelatingToAssetsThatItHasSecuritizedAbstract" xlink:label="Locator_us-gaap_InterestsContinuedToBeHeldByTransferorInFinancialAssetsThatItHasSecuritizedOrServicingAssetsOrLiabilitiesRelatingToAssetsThatItHasSecuritizedAbstract_6637" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueTable" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueTable_6638" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestsContinuedToBeHeldByTransferorInFinancialAssetsThatItHasSecuritizedOrServicingAssetsOrLiabilitiesRelatingToAssetsThatItHasSecuritizedAbstract_6637" xlink:to="Locator_us-gaap_ServicingAssetsAtFairValueTable_6638" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AccumulatedOtherComprehensiveIncome">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DisclosureTextBlockAbstract" xlink:label="Locator_us-gaap_DisclosureTextBlockAbstract_6667" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:label="Locator_us-gaap_ComprehensiveIncomeNoteTextBlock_6668" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DisclosureTextBlockAbstract_6667" xlink:to="Locator_us-gaap_ComprehensiveIncomeNoteTextBlock_6668" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/EarningsPerCommonShare">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_6669" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareTextBlock" xlink:label="Locator_us-gaap_EarningsPerShareTextBlock_6670" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_6669" xlink:to="Locator_us-gaap_EarningsPerShareTextBlock_6670" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/AccumulatedOtherComprehensiveIncomeTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DisclosureTextBlockAbstract" xlink:label="Locator_us-gaap_DisclosureTextBlockAbstract_6671" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_6672" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DisclosureTextBlockAbstract_6671" xlink:to="Locator_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_6672" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DisclosureTextBlockAbstract" xlink:label="Locator_us-gaap_DisclosureTextBlockAbstract_6673" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_6674" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DisclosureTextBlockAbstract_6673" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_6674" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/EarningPerCommonShareTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_6675" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_6676" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_6675" xlink:to="Locator_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_6676" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/EarningsPerCommonShareNarrativeDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_6685" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:label="Locator_us-gaap_PreferredStockSharesIssued_6686" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_6685" xlink:to="Locator_us-gaap_PreferredStockSharesIssued_6686" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementTable" xlink:label="Locator_us-gaap_StatementTable_6697" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_6698" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementTable_6697" xlink:to="Locator_us-gaap_StatementLineItems_6698" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementTable" xlink:label="Locator_us-gaap_StatementTable_6699" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="Locator_us-gaap_StatementClassOfStockAxis_6700" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementTable_6699" xlink:to="Locator_us-gaap_StatementClassOfStockAxis_6700" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="Locator_us-gaap_StatementClassOfStockAxis_6701" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="Locator_us-gaap_ClassOfStockDomain_6702" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementClassOfStockAxis_6701" xlink:to="Locator_us-gaap_ClassOfStockDomain_6702" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="Locator_us-gaap_ClassOfStockDomain_6703" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NonredeemableConvertiblePreferredStockMember" xlink:label="Locator_us-gaap_NonredeemableConvertiblePreferredStockMember_6704" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ClassOfStockDomain_6703" xlink:to="Locator_us-gaap_NonredeemableConvertiblePreferredStockMember_6704" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_6677" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_StockConversionRate" xlink:label="Locator_ofg_StockConversionRate_6678" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_6677" xlink:to="Locator_ofg_StockConversionRate_6678" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_6679" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_6680" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_6679" xlink:to="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_6680" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_6681" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ConvertiblePreferredStock" xlink:label="Locator_ofg_ConvertiblePreferredStock_6682" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_6681" xlink:to="Locator_ofg_ConvertiblePreferredStock_6682" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_6683" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementTable" xlink:label="Locator_us-gaap_StatementTable_6684" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_6683" xlink:to="Locator_us-gaap_StatementTable_6684" order="4.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/FDICIndemnificationAssetAndTrueupPaymentObligationFairValueAndTheUndiscountedAmountOfTheTrueupPaymentObligationDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="Locator_us-gaap_BusinessCombinationsAbstract_6705" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessCombinationContingentConsiderationLiability" xlink:label="Locator_us-gaap_BusinessCombinationContingentConsiderationLiability_6706" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BusinessCombinationsAbstract_6705" xlink:to="Locator_us-gaap_BusinessCombinationContingentConsiderationLiability_6706" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="Locator_us-gaap_BusinessCombinationsAbstract_6707" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Businesscombinationcontingentconsiderationpotentialcashpayment" xlink:label="Locator_ofg_Businesscombinationcontingentconsiderationpotentialcashpayment_6708" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BusinessCombinationsAbstract_6707" xlink:to="Locator_ofg_Businesscombinationcontingentconsiderationpotentialcashpayment_6708" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/PledgeAssets">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingAbstract" xlink:label="Locator_us-gaap_TransfersAndServicingAbstract_6709" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PledgeAssetsTextBlock" xlink:label="Locator_ofg_PledgeAssetsTextBlock_6710" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingAbstract_6709" xlink:to="Locator_ofg_PledgeAssetsTextBlock_6710" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/PledgeAssetsTable">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingAbstract" xlink:label="Locator_us-gaap_TransfersAndServicingAbstract_6711" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock" xlink:label="Locator_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock_6712" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingAbstract_6711" xlink:to="Locator_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock_6712" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/DisclosurePledgeAssetsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="Locator_us-gaap_DebtInstrumentAxis_6789" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_6790" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentAxis_6789" xlink:to="Locator_us-gaap_DebtInstrumentNameDomain_6790" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_6791" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember" xlink:label="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_6792" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_6791" xlink:to="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_6792" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_6793" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankTimeDepositsMember" xlink:label="Locator_us-gaap_BankTimeDepositsMember_6794" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_6793" xlink:to="Locator_us-gaap_BankTimeDepositsMember_6794" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_6795" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MoneyMarketFundsMember" xlink:label="Locator_us-gaap_MoneyMarketFundsMember_6796" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_6795" xlink:to="Locator_us-gaap_MoneyMarketFundsMember_6796" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_6797" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestRateSwapMember" xlink:label="Locator_us-gaap_InterestRateSwapMember_6798" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_6797" xlink:to="Locator_us-gaap_InterestRateSwapMember_6798" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_6799" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalReserveBankAdvancesMember" xlink:label="Locator_us-gaap_FederalReserveBankAdvancesMember_6800" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_6799" xlink:to="Locator_us-gaap_FederalReserveBankAdvancesMember_6800" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_6801" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BondfortrustoperationmemberMember" xlink:label="Locator_ofg_BondfortrustoperationmemberMember_6802" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_6801" xlink:to="Locator_ofg_BondfortrustoperationmemberMember_6802" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="Locator_us-gaap_DebtInstrumentNameDomain_6803" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMember" xlink:label="Locator_us-gaap_FederalHomeLoanBankAdvancesMember_6804" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DebtInstrumentNameDomain_6803" xlink:to="Locator_us-gaap_FederalHomeLoanBankAdvancesMember_6804" order="7.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6819" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsMember" xlink:label="Locator_us-gaap_InvestmentsMember_6820" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6819" xlink:to="Locator_us-gaap_InvestmentsMember_6820" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6821" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgagesMember" xlink:label="Locator_us-gaap_MortgagesMember_6822" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6821" xlink:to="Locator_us-gaap_MortgagesMember_6822" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6823" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_6824" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6823" xlink:to="Locator_us-gaap_CommercialLoanMember_6824" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6825" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AutomobileLoanMember" xlink:label="Locator_us-gaap_AutomobileLoanMember_6826" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6825" xlink:to="Locator_us-gaap_AutomobileLoanMember_6826" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingAbstract" xlink:label="Locator_us-gaap_TransfersAndServicingAbstract_6723" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltableTable" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltableTable_6724" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingAbstract_6723" xlink:to="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltableTable_6724" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltableTable" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltableTable_6781" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems" xlink:label="Locator_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_6782" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltableTable_6781" xlink:to="Locator_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_6782" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems" xlink:label="Locator_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_6713" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged" xlink:label="Locator_us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged_6714" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_6713" xlink:to="Locator_us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged_6714" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems" xlink:label="Locator_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_6715" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PledgedFinancialInstrumentsNotSeparatelyReportedLoansReceivableForOtherArrangements" xlink:label="Locator_ofg_PledgedFinancialInstrumentsNotSeparatelyReportedLoansReceivableForOtherArrangements_6716" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_6715" xlink:to="Locator_ofg_PledgedFinancialInstrumentsNotSeparatelyReportedLoansReceivableForOtherArrangements_6716" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems" xlink:label="Locator_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_6717" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PledgedAssetsOtherNotSeparatelyReportedOnStatementOfFinancialPosition" xlink:label="Locator_ofg_PledgedAssetsOtherNotSeparatelyReportedOnStatementOfFinancialPosition_6718" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_6717" xlink:to="Locator_ofg_PledgedAssetsOtherNotSeparatelyReportedOnStatementOfFinancialPosition_6718" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems" xlink:label="Locator_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_6719" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Assetsnotpledged" xlink:label="Locator_ofg_Assetsnotpledged_6720" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_6719" xlink:to="Locator_ofg_Assetsnotpledged_6720" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltableTable" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltableTable_6783" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="Locator_us-gaap_DebtInstrumentAxis_6784" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltableTable_6783" xlink:to="Locator_us-gaap_DebtInstrumentAxis_6784" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltableTable" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltableTable_6785" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateralaxisAxis" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateralaxisAxis_6786" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltableTable_6785" xlink:to="Locator_ofg_FinancialinstrumentsownedandpledgedascollateralaxisAxis_6786" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateralaxisAxis" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateralaxisAxis_6805" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6806" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentsownedandpledgedascollateralaxisAxis_6805" xlink:to="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltypedomainMemberDomain_6806" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentsownedandpledgedascollateraltableTable" xlink:label="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltableTable_6787" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralAxis" xlink:label="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralAxis_6788" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentsownedandpledgedascollateraltableTable_6787" xlink:to="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralAxis_6788" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralAxis" xlink:label="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralAxis_6807" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain" xlink:label="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain_6808" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralAxis_6807" xlink:to="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain_6808" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain" xlink:label="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain_6809" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesInvestmentMember" xlink:label="Locator_us-gaap_SecuritiesInvestmentMember_6810" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain_6809" xlink:to="Locator_us-gaap_SecuritiesInvestmentMember_6810" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain" xlink:label="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain_6811" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ResidentialMortgageMember" xlink:label="Locator_us-gaap_ResidentialMortgageMember_6812" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain_6811" xlink:to="Locator_us-gaap_ResidentialMortgageMember_6812" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain" xlink:label="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain_6813" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="Locator_us-gaap_CommercialLoanMember_6814" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain_6813" xlink:to="Locator_us-gaap_CommercialLoanMember_6814" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain" xlink:label="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain_6815" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="Locator_us-gaap_ConsumerLoanMember_6816" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain_6815" xlink:to="Locator_us-gaap_ConsumerLoanMember_6816" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain" xlink:label="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain_6817" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AutoAndLeasesLoanMember" xlink:label="Locator_ofg_AutoAndLeasesLoanMember_6818" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialInstrumentsOwnedAndNotPledgedAsCollateralTypeMemberDomain_6817" xlink:to="Locator_ofg_AutoAndLeasesLoanMember_6818" order="5.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/ServicingAssets">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingAbstract" xlink:label="Locator_us-gaap_TransfersAndServicingAbstract_6827" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock_6828" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingAbstract_6827" xlink:to="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock_6828" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/ServicingAssetsChangesInServingRightsAtFairValueDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsAbstract" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsAbstract_6829" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmountRollForward" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6830" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsAbstract_6829" xlink:to="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6830" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmountRollForward" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6833" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SaleOfMortgageServicingRights" xlink:label="Locator_ofg_SaleOfMortgageServicingRights_6834" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6833" xlink:to="Locator_ofg_SaleOfMortgageServicingRights_6834" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmountRollForward" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6835" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueAdditions" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueAdditions_6836" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6835" xlink:to="Locator_us-gaap_ServicingAssetAtFairValueAdditions_6836" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmountRollForward" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6837" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueOtherChangesThatAffectBalance" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueOtherChangesThatAffectBalance_6838" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6837" xlink:to="Locator_us-gaap_ServicingAssetAtFairValueOtherChangesThatAffectBalance_6838" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmountRollForward" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6839" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ChangesInServicingAssetFairValueDueToSalesPrice" xlink:label="Locator_ofg_ChangesInServicingAssetFairValueDueToSalesPrice_6840" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6839" xlink:to="Locator_ofg_ChangesInServicingAssetFairValueDueToSalesPrice_6840" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmountRollForward" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6841" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueChangesInFairValueResultingFromChangesInValuationInputsOrChangesInAssumptions" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueChangesInFairValueResultingFromChangesInValuationInputsOrChangesInAssumptions_6842" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6841" xlink:to="Locator_us-gaap_ServicingAssetAtFairValueChangesInFairValueResultingFromChangesInValuationInputsOrChangesInAssumptions_6842" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmountRollForward" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6831" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmount" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueAmount_6832" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6831" xlink:to="Locator_us-gaap_ServicingAssetAtFairValueAmount_6832" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmountRollForward" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6843" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmount" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueAmount_6844" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetAtFairValueAmountRollForward_6843" xlink:to="Locator_us-gaap_ServicingAssetAtFairValueAmount_6844" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/ServicingAssetsKeyEconomicAssumptionsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6887" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_6888" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6887" xlink:to="Locator_us-gaap_ConventionalLoanMember_6888" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6889" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LeaseMember" xlink:label="Locator_ofg_LeaseMember_6890" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6889" xlink:to="Locator_ofg_LeaseMember_6890" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DisclosureOfTransferOfSecuritizedFinancialAssetsAccountedForAsSaleAbstract" xlink:label="Locator_us-gaap_DisclosureOfTransferOfSecuritizedFinancialAssetsAccountedForAsSaleAbstract_6851" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueTable" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueTable_6852" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DisclosureOfTransferOfSecuritizedFinancialAssetsAccountedForAsSaleAbstract_6851" xlink:to="Locator_us-gaap_ServicingAssetsAtFairValueTable_6852" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueTable" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueTable_6877" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TransfersandservicingoffinancialinstrumentstypesoffinancialinstrumentsdomainAxis" xlink:label="Locator_ofg_TransfersandservicingoffinancialinstrumentstypesoffinancialinstrumentsdomainAxis_6878" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueTable_6877" xlink:to="Locator_ofg_TransfersandservicingoffinancialinstrumentstypesoffinancialinstrumentsdomainAxis_6878" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TransfersandservicingoffinancialinstrumentstypesoffinancialinstrumentsdomainAxis" xlink:label="Locator_ofg_TransfersandservicingoffinancialinstrumentstypesoffinancialinstrumentsdomainAxis_6891" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6892" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_TransfersandservicingoffinancialinstrumentstypesoffinancialinstrumentsdomainAxis_6891" xlink:to="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6892" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueTable" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueTable_6879" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeAxis" xlink:label="Locator_us-gaap_RangeAxis_6880" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueTable_6879" xlink:to="Locator_us-gaap_RangeAxis_6880" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeAxis" xlink:label="Locator_us-gaap_RangeAxis_6881" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeMember" xlink:label="Locator_us-gaap_RangeMember_6882" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RangeAxis_6881" xlink:to="Locator_us-gaap_RangeMember_6882" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeMember" xlink:label="Locator_us-gaap_RangeMember_6883" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MinimumMember" xlink:label="Locator_us-gaap_MinimumMember_6884" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RangeMember_6883" xlink:to="Locator_us-gaap_MinimumMember_6884" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeMember" xlink:label="Locator_us-gaap_RangeMember_6885" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaximumMember" xlink:label="Locator_us-gaap_MaximumMember_6886" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RangeMember_6885" xlink:to="Locator_us-gaap_MaximumMember_6886" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueTable" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueTable_6875" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6876" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueTable_6875" xlink:to="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6876" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6845" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed" xlink:label="Locator_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed_6846" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6845" xlink:to="Locator_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed_6846" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6847" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate" xlink:label="Locator_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate_6848" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6847" xlink:to="Locator_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate_6848" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/ServicingAssetsNarrativesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6935" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="Locator_us-gaap_ConventionalLoanMember_6936" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6935" xlink:to="Locator_us-gaap_ConventionalLoanMember_6936" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6937" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LeaseMember" xlink:label="Locator_ofg_LeaseMember_6938" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6937" xlink:to="Locator_ofg_LeaseMember_6938" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueTable" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueTable_6931" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6932" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueTable_6931" xlink:to="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6932" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6893" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmount" xlink:label="Locator_us-gaap_ServicingAssetAtFairValueAmount_6894" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6893" xlink:to="Locator_us-gaap_ServicingAssetAtFairValueAmount_6894" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6895" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ContractuallySpecifiedServicingFeesAmount" xlink:label="Locator_us-gaap_ContractuallySpecifiedServicingFeesAmount_6896" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6895" xlink:to="Locator_us-gaap_ContractuallySpecifiedServicingFeesAmount_6896" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6897" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ServicingRightsPrincipalBalanceOutstandingUnamortized" xlink:label="Locator_ofg_ServicingRightsPrincipalBalanceOutstandingUnamortized_6898" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6897" xlink:to="Locator_ofg_ServicingRightsPrincipalBalanceOutstandingUnamortized_6898" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6899" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MortgageServicingRightsSalePrice" xlink:label="Locator_ofg_MortgageServicingRightsSalePrice_6900" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6899" xlink:to="Locator_ofg_MortgageServicingRightsSalePrice_6900" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6901" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR" xlink:label="Locator_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR_6902" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6901" xlink:to="Locator_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR_6902" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6903" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LossOnMsrSaleHeldforSale" xlink:label="Locator_ofg_LossOnMsrSaleHeldforSale_6904" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueLineItems_6903" xlink:to="Locator_ofg_LossOnMsrSaleHeldforSale_6904" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueTable" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueTable_6933" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentbytypesAxis" xlink:label="Locator_ofg_FinancialinstrumentbytypesAxis_6934" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ServicingAssetsAtFairValueTable_6933" xlink:to="Locator_ofg_FinancialinstrumentbytypesAxis_6934" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinancialinstrumentbytypesAxis" xlink:label="Locator_ofg_FinancialinstrumentbytypesAxis_6939" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6940" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_FinancialinstrumentbytypesAxis_6939" xlink:to="Locator_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6940" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsAbstract" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsAbstract_6907" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ServicingAssetsAtFairValueTable" xlink:label="Locator_us-gaap_ServicingAssetsAtFairValueTable_6908" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsAbstract_6907" xlink:to="Locator_us-gaap_ServicingAssetsAtFairValueTable_6908" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/HoldingCompanyFinancialInformation">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:label="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_6941" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:label="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_6942" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_6941" xlink:to="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_6942" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/ServicingAssetsTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsAbstract" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsAbstract_6943" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock" xlink:label="Locator_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock_6944" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsAbstract_6943" xlink:to="Locator_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock_6944" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsAbstract" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsAbstract_6945" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAssumptionsForFairValueOnSecuritizationDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock" xlink:label="Locator_us-gaap_ScheduleOfAssumptionsForFairValueOnSecuritizationDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_6946" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsAbstract_6945" xlink:to="Locator_us-gaap_ScheduleOfAssumptionsForFairValueOnSecuritizationDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_6946" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsAbstract" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsAbstract_6947" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock" xlink:label="Locator_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_6948" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsAbstract_6947" xlink:to="Locator_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_6948" order="3.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/HoldingCompanyFinancialInformationTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:label="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_6949" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Condensedconsolidatingbalancesheettabletextblock" xlink:label="Locator_ofg_Condensedconsolidatingbalancesheettabletextblock_6950" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_6949" xlink:to="Locator_ofg_Condensedconsolidatingbalancesheettabletextblock_6950" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:label="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_6951" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Condensedconsolidatingstatementofoperationstabletextblock" xlink:label="Locator_ofg_Condensedconsolidatingstatementofoperationstabletextblock_6952" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_6951" xlink:to="Locator_ofg_Condensedconsolidatingstatementofoperationstabletextblock_6952" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:label="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_6953" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Condensedconsolidatingothercomprenhensiveincometabletextblock" xlink:label="Locator_ofg_Condensedconsolidatingothercomprenhensiveincometabletextblock_6954" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_6953" xlink:to="Locator_ofg_Condensedconsolidatingothercomprenhensiveincometabletextblock_6954" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:label="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_6955" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Condensedconsolidatingstatementofcashflowstabletextblock" xlink:label="Locator_ofg_Condensedconsolidatingstatementofcashflowstabletextblock_6956" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_6955" xlink:to="Locator_ofg_Condensedconsolidatingstatementofcashflowstabletextblock_6956" order="4.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BusinessSegmentsNarrativeDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReconciliationFromSegmentTotalsToConsolidatedAbstract" xlink:label="Locator_us-gaap_ReconciliationFromSegmentTotalsToConsolidatedAbstract_6961" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable" xlink:label="Locator_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_6962" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReconciliationFromSegmentTotalsToConsolidatedAbstract_6961" xlink:to="Locator_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_6962" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable" xlink:label="Locator_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_6975" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_6976" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_6975" xlink:to="Locator_us-gaap_SegmentReportingInformationLineItems_6976" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_6957" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ChangeinAssetsReclassification" xlink:label="Locator_ofg_ChangeinAssetsReclassification_6958" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_6957" xlink:to="Locator_ofg_ChangeinAssetsReclassification_6958" order="1.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable" xlink:label="Locator_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_6977" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_6978" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_6977" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_6978" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_6979" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_6980" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_6979" xlink:to="Locator_us-gaap_SegmentDomain_6980" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_6981" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BankingMember" xlink:label="Locator_ofg_BankingMember_6982" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_6981" xlink:to="Locator_ofg_BankingMember_6982" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_6983" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TreasuryMember" xlink:label="Locator_ofg_TreasuryMember_6984" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_6983" xlink:to="Locator_ofg_TreasuryMember_6984" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_6985" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IntersegmentEliminationMember" xlink:label="Locator_us-gaap_IntersegmentEliminationMember_6986" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_6985" xlink:to="Locator_us-gaap_IntersegmentEliminationMember_6986" order="3.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/StockholdersEquityNarrativeDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_6987" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction" xlink:label="Locator_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_6988" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_6987" xlink:to="Locator_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_6988" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="Locator_us-gaap_ClassOfStockDomain_7067" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockMember" xlink:label="Locator_us-gaap_PreferredStockMember_7068" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ClassOfStockDomain_7067" xlink:to="Locator_us-gaap_PreferredStockMember_7068" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="Locator_us-gaap_ClassOfStockDomain_7069" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommonStockMember" xlink:label="Locator_us-gaap_CommonStockMember_7070" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ClassOfStockDomain_7069" xlink:to="Locator_us-gaap_CommonStockMember_7070" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="Locator_us-gaap_StockholdersEquityNoteAbstract_6989" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_6990" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityNoteAbstract_6989" xlink:to="Locator_us-gaap_StatementLineItems_6990" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="Locator_us-gaap_StockholdersEquityNoteAbstract_6991" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfStockByClassTable" xlink:label="Locator_us-gaap_ScheduleOfStockByClassTable_6992" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityNoteAbstract_6991" xlink:to="Locator_us-gaap_ScheduleOfStockByClassTable_6992" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfStockByClassTable" xlink:label="Locator_us-gaap_ScheduleOfStockByClassTable_7055" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7056" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfStockByClassTable_7055" xlink:to="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7056" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6993" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockRepurchaseProgramAuthorizedAmount1" xlink:label="Locator_us-gaap_StockRepurchaseProgramAuthorizedAmount1_6994" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6993" xlink:to="Locator_us-gaap_StockRepurchaseProgramAuthorizedAmount1_6994" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6995" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased" xlink:label="Locator_us-gaap_StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased_6996" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6995" xlink:to="Locator_us-gaap_StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased_6996" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6997" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockAcquiredAverageCostPerShare" xlink:label="Locator_us-gaap_TreasuryStockAcquiredAverageCostPerShare_6998" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6997" xlink:to="Locator_us-gaap_TreasuryStockAcquiredAverageCostPerShare_6998" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6999" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:label="Locator_us-gaap_TreasuryStockValueAcquiredCostMethod_7000" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_6999" xlink:to="Locator_us-gaap_TreasuryStockValueAcquiredCostMethod_7000" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7001" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1" xlink:label="Locator_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_7002" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7001" xlink:to="Locator_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_7002" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7003" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockRepurchaseProgramRemainingNumberOfSharesAuthorizedToBeRepurchased" xlink:label="Locator_us-gaap_StockRepurchaseProgramRemainingNumberOfSharesAuthorizedToBeRepurchased_7004" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7003" xlink:to="Locator_us-gaap_StockRepurchaseProgramRemainingNumberOfSharesAuthorizedToBeRepurchased_7004" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7005" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SharePrice" xlink:label="Locator_us-gaap_SharePrice_7006" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7005" xlink:to="Locator_us-gaap_SharePrice_7006" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7007" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PreferredStockIssueCostsPeriod" xlink:label="Locator_ofg_PreferredStockIssueCostsPeriod_7008" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7007" xlink:to="Locator_ofg_PreferredStockIssueCostsPeriod_7008" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7009" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_IssuanceCostsStock" xlink:label="Locator_ofg_IssuanceCostsStock_7010" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7009" xlink:to="Locator_ofg_IssuanceCostsStock_7010" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7011" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AverageSharePrice" xlink:label="Locator_ofg_AverageSharePrice_7012" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7011" xlink:to="Locator_ofg_AverageSharePrice_7012" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityClassOfTreasuryStockLineItems" xlink:label="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7013" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_LegalSurplus" xlink:label="Locator_ofg_LegalSurplus_7014" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityClassOfTreasuryStockLineItems_7013" xlink:to="Locator_ofg_LegalSurplus_7014" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfStockByClassTable" xlink:label="Locator_us-gaap_ScheduleOfStockByClassTable_7057" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareRepurchaseProgramAxis" xlink:label="Locator_us-gaap_ShareRepurchaseProgramAxis_7058" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfStockByClassTable_7057" xlink:to="Locator_us-gaap_ShareRepurchaseProgramAxis_7058" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareRepurchaseProgramAxis" xlink:label="Locator_us-gaap_ShareRepurchaseProgramAxis_7061" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareRepurchaseProgramDomain" xlink:label="Locator_us-gaap_ShareRepurchaseProgramDomain_7062" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareRepurchaseProgramAxis_7061" xlink:to="Locator_us-gaap_ShareRepurchaseProgramDomain_7062" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareRepurchaseProgramDomain" xlink:label="Locator_us-gaap_ShareRepurchaseProgramDomain_7063" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SeventymillionsrepurchaseprogramMember" xlink:label="Locator_ofg_SeventymillionsrepurchaseprogramMember_7064" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareRepurchaseProgramDomain_7063" xlink:to="Locator_ofg_SeventymillionsrepurchaseprogramMember_7064" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfStockByClassTable" xlink:label="Locator_us-gaap_ScheduleOfStockByClassTable_7059" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ScheduleofstockbyclasstableAxis" xlink:label="Locator_ofg_ScheduleofstockbyclasstableAxis_7060" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfStockByClassTable_7059" xlink:to="Locator_ofg_ScheduleofstockbyclasstableAxis_7060" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ScheduleofstockbyclasstableAxis" xlink:label="Locator_ofg_ScheduleofstockbyclasstableAxis_7065" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="Locator_us-gaap_ClassOfStockDomain_7066" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_ScheduleofstockbyclasstableAxis_7065" xlink:to="Locator_us-gaap_ClassOfStockDomain_7066" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/EquitybasedCompensationPlanEquityBasedCompensationPlanDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedArrangementsToObtainGoodsAndServicesAbstract" xlink:label="Locator_us-gaap_ShareBasedArrangementsToObtainGoodsAndServicesAbstract_7071" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7072" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedArrangementsToObtainGoodsAndServicesAbstract_7071" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7072" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7077" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_7078" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7077" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_7078" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7079" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:label="Locator_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_7080" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7079" xlink:to="Locator_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_7080" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7081" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_7082" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7081" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_7082" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7075" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_7076" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7075" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_7076" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7083" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_7084" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7083" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_7084" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedArrangementsToObtainGoodsAndServicesAbstract" xlink:label="Locator_us-gaap_ShareBasedArrangementsToObtainGoodsAndServicesAbstract_7073" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_7074" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedArrangementsToObtainGoodsAndServicesAbstract_7073" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_7074" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_7087" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_7088" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_7087" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_7088" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_7089" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_7090" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_7089" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_7090" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_7091" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice_7092" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_7091" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice_7092" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_7085" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_7086" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_7085" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_7086" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_7093" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_7094" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_7093" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_7094" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/EquityBasedCompensationSummaryOfTheRangeOfExercisePricesAndTheWeightedAverageRemainingContractualLifeOfTheOptionsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_7111" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable" xlink:label="Locator_us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable_7112" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_7111" xlink:to="Locator_us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable_7112" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable" xlink:label="Locator_us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable_7151" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7152" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable_7151" xlink:to="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7152" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7095" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit_7096" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7095" xlink:to="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit_7096" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7097" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit_7098" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7097" xlink:to="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit_7098" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7099" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_7100" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7099" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_7100" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7101" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_7102" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7101" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_7102" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7103" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:label="Locator_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_7104" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7103" xlink:to="Locator_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_7104" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7105" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_7106" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7105" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_7106" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7107" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_7108" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems_7107" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_7108" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable" xlink:label="Locator_us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable_7153" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis_7154" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable_7153" xlink:to="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis_7154" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis_7155" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7156" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis_7155" xlink:to="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7156" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7157" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PricerangeoneMember" xlink:label="Locator_ofg_PricerangeoneMember_7158" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7157" xlink:to="Locator_ofg_PricerangeoneMember_7158" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7159" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PricerangetwoMember" xlink:label="Locator_ofg_PricerangetwoMember_7160" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7159" xlink:to="Locator_ofg_PricerangetwoMember_7160" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7161" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PricerangethreeMember" xlink:label="Locator_ofg_PricerangethreeMember_7162" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7161" xlink:to="Locator_ofg_PricerangethreeMember_7162" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7163" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PricerangefourMember" xlink:label="Locator_ofg_PricerangefourMember_7164" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7163" xlink:to="Locator_ofg_PricerangefourMember_7164" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7165" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PricerangefiveMember" xlink:label="Locator_ofg_PricerangefiveMember_7166" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7165" xlink:to="Locator_ofg_PricerangefiveMember_7166" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7167" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PricerangesixMember" xlink:label="Locator_ofg_PricerangesixMember_7168" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7167" xlink:to="Locator_ofg_PricerangesixMember_7168" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xlink:label="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7169" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_PricerangesevenMember" xlink:label="Locator_ofg_PricerangesevenMember_7170" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain_7169" xlink:to="Locator_ofg_PricerangesevenMember_7170" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_7113" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_7114" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_7113" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_7114" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_7115" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:label="Locator_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_7116" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_7115" xlink:to="Locator_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_7116" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/EquitybasedCompensationPlanAssumptionsUsedInEstimatingFairValueOfTheOptionsGrantedDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract_7171" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_7172" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract_7171" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_7172" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract_7173" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_7174" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract_7173" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_7174" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract_7175" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_7176" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract_7175" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_7176" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract_7177" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:label="Locator_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_7178" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract_7177" xlink:to="Locator_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_7178" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/EquitybasedCompensationPlanSummaryOfTheRestrictedUnitsActivityUnderTheOmnibusPlanDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_7205" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:label="Locator_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7206" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_7205" xlink:to="Locator_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7206" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:label="Locator_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7235" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_7236" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7235" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_7236" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_7179" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_7180" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_7179" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_7180" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_7187" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_7188" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_7187" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_7188" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_7189" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_7190" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_7189" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_7190" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_7191" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_7192" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_7191" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_7192" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_7185" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_7186" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_7185" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_7186" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_7193" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_7194" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_7193" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_7194" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_7181" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_7182" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_7181" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_7182" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_7197" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_7198" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_7197" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_7198" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_7199" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_7200" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_7199" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_7200" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_7201" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_7202" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_7201" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_7202" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_7195" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_7196" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_7195" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_7196" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_7203" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:label="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_7204" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_7203" xlink:to="Locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_7204" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:label="Locator_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7237" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PlanNameAxis" xlink:label="Locator_us-gaap_PlanNameAxis_7238" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7237" xlink:to="Locator_us-gaap_PlanNameAxis_7238" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PlanNameAxis" xlink:label="Locator_us-gaap_PlanNameAxis_7239" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PlanNameDomain" xlink:label="Locator_us-gaap_PlanNameDomain_7240" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PlanNameAxis_7239" xlink:to="Locator_us-gaap_PlanNameDomain_7240" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PlanNameDomain" xlink:label="Locator_us-gaap_PlanNameDomain_7241" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OmnibusplanMember" xlink:label="Locator_ofg_OmnibusplanMember_7242" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PlanNameDomain_7241" xlink:to="Locator_ofg_OmnibusplanMember_7242" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/IncomeTaxesComponentsOfIncomeTaxExpensebenefitDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:label="Locator_us-gaap_ComponentsOfIncomeTaxExpenseBenefitContinuingOperationsAbstract_7243" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:label="Locator_us-gaap_CurrentIncomeTaxExpenseBenefit_7244" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfIncomeTaxExpenseBenefitContinuingOperationsAbstract_7243" xlink:to="Locator_us-gaap_CurrentIncomeTaxExpenseBenefit_7244" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:label="Locator_us-gaap_ComponentsOfIncomeTaxExpenseBenefitContinuingOperationsAbstract_7245" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="Locator_us-gaap_DeferredIncomeTaxExpenseBenefit_7246" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfIncomeTaxExpenseBenefitContinuingOperationsAbstract_7245" xlink:to="Locator_us-gaap_DeferredIncomeTaxExpenseBenefit_7246" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:label="Locator_us-gaap_ComponentsOfIncomeTaxExpenseBenefitContinuingOperationsAbstract_7247" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefit_7248" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfIncomeTaxExpenseBenefitContinuingOperationsAbstract_7247" xlink:to="Locator_us-gaap_IncomeTaxExpenseBenefit_7248" order="3.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/IncomeTaxesEffectiveIncomeTaxRateReconciliationDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_7249" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7250" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_7249" xlink:to="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7250" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7253" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xlink:label="Locator_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_7254" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7253" xlink:to="Locator_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_7254" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7255" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:label="Locator_us-gaap_IncomeTaxReconciliationTaxExemptIncome_7256" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7255" xlink:to="Locator_us-gaap_IncomeTaxReconciliationTaxExemptIncome_7256" order="2.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7257" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Incometaxreconciliationcapitallosscarryforward" xlink:label="Locator_ofg_Incometaxreconciliationcapitallosscarryforward_7258" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7257" xlink:to="Locator_ofg_Incometaxreconciliationcapitallosscarryforward_7258" order="3.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7259" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_IncomeTaxReconciliationDisallowedNetOperatingLossCarryover" xlink:label="Locator_ofg_IncomeTaxReconciliationDisallowedNetOperatingLossCarryover_7260" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7259" xlink:to="Locator_ofg_IncomeTaxReconciliationDisallowedNetOperatingLossCarryover_7260" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7261" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance" xlink:label="Locator_us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance_7262" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7261" xlink:to="Locator_us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance_7262" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7263" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InterestAndPenaltiesReleasedRelatedToUnrecognizedTaxBenefits" xlink:label="Locator_ofg_InterestAndPenaltiesReleasedRelatedToUnrecognizedTaxBenefits_7264" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7263" xlink:to="Locator_ofg_InterestAndPenaltiesReleasedRelatedToUnrecognizedTaxBenefits_7264" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7265" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate" xlink:label="Locator_us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate_7266" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7265" xlink:to="Locator_us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate_7266" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7267" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_IncomeTaxLoanBasisChangeEffect" xlink:label="Locator_ofg_IncomeTaxLoanBasisChangeEffect_7268" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7267" xlink:to="Locator_ofg_IncomeTaxLoanBasisChangeEffect_7268" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7269" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Effectofchangeintaxofunitsegment" xlink:label="Locator_ofg_Effectofchangeintaxofunitsegment_7270" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7269" xlink:to="Locator_ofg_Effectofchangeintaxofunitsegment_7270" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7271" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_IncomeTaxReconciliationCapitalGainLossAtPreferentialRate" xlink:label="Locator_ofg_IncomeTaxReconciliationCapitalGainLossAtPreferentialRate_7272" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7271" xlink:to="Locator_ofg_IncomeTaxReconciliationCapitalGainLossAtPreferentialRate_7272" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7273" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:label="Locator_us-gaap_IncomeTaxReconciliationOtherAdjustments_7274" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7273" xlink:to="Locator_us-gaap_IncomeTaxReconciliationOtherAdjustments_7274" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7275" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefit_7276" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_7275" xlink:to="Locator_us-gaap_IncomeTaxExpenseBenefit_7276" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_7251" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7252" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_7251" xlink:to="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7252" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7277" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_7278" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7277" xlink:to="Locator_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_7278" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7279" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome_7280" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7279" xlink:to="Locator_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome_7280" order="2.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7281" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Effectiveincometaxratereconciliationcapitallosscarryforward" xlink:label="Locator_ofg_Effectiveincometaxratereconciliationcapitallosscarryforward_7282" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7281" xlink:to="Locator_ofg_Effectiveincometaxratereconciliationcapitallosscarryforward_7282" order="3.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7283" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_EffectiveIncomeTaxRateDisallowedNetOperatingLossCarryover" xlink:label="Locator_ofg_EffectiveIncomeTaxRateDisallowedNetOperatingLossCarryover_7284" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7283" xlink:to="Locator_ofg_EffectiveIncomeTaxRateDisallowedNetOperatingLossCarryover_7284" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7285" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance_7286" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7285" xlink:to="Locator_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance_7286" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7287" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxContingencies" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateReconciliationTaxContingencies_7288" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7287" xlink:to="Locator_us-gaap_EffectiveIncomeTaxRateReconciliationTaxContingencies_7288" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7289" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate_7290" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7289" xlink:to="Locator_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate_7290" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7291" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_EffectiveIncomeTaxRateLoanBasisChangeEffect" xlink:label="Locator_ofg_EffectiveIncomeTaxRateLoanBasisChangeEffect_7292" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7291" xlink:to="Locator_ofg_EffectiveIncomeTaxRateLoanBasisChangeEffect_7292" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7293" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Effectofchangeintaxofunitsegmenttaxrate" xlink:label="Locator_ofg_Effectofchangeintaxofunitsegmenttaxrate_7294" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7293" xlink:to="Locator_ofg_Effectofchangeintaxofunitsegmenttaxrate_7294" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7295" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_EffectiveIncomeTaxRateCapitalLossGainAtPreferentialRate" xlink:label="Locator_ofg_EffectiveIncomeTaxRateCapitalLossGainAtPreferentialRate_7296" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7295" xlink:to="Locator_ofg_EffectiveIncomeTaxRateCapitalLossGainAtPreferentialRate_7296" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7297" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_7298" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7297" xlink:to="Locator_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_7298" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7299" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperations_7300" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_7299" xlink:to="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperations_7300" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/IncomeTaxesComponentsOfDeferredTaxAssetsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_7323" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract_7324" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_7323" xlink:to="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract_7324" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract_7325" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7326" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract_7325" xlink:to="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7326" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7333" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts" xlink:label="Locator_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts_7334" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7333" xlink:to="Locator_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts_7334" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7335" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DeferredtaxassetsAcquiredloansandotherrealestatevaluationadjustments" xlink:label="Locator_ofg_DeferredtaxassetsAcquiredloansandotherrealestatevaluationadjustments_7336" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7335" xlink:to="Locator_ofg_DeferredtaxassetsAcquiredloansandotherrealestatevaluationadjustments_7336" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7337" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Deferredtaxassetsoperatinglossandcapitalnetcarryforwards" xlink:label="Locator_ofg_Deferredtaxassetsoperatinglossandcapitalnetcarryforwards_7338" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7337" xlink:to="Locator_ofg_Deferredtaxassetsoperatinglossandcapitalnetcarryforwards_7338" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7339" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax" xlink:label="Locator_us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax_7340" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7339" xlink:to="Locator_us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax_7340" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7341" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DeferredTaxAssetDepositAndBorrowingsValuationAdjustment" xlink:label="Locator_ofg_DeferredTaxAssetDepositAndBorrowingsValuationAdjustment_7342" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7341" xlink:to="Locator_ofg_DeferredTaxAssetDepositAndBorrowingsValuationAdjustment_7342" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7343" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxAssetsOtherComprehensiveLoss" xlink:label="Locator_us-gaap_DeferredTaxAssetsOtherComprehensiveLoss_7344" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7343" xlink:to="Locator_us-gaap_DeferredTaxAssetsOtherComprehensiveLoss_7344" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7345" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxAssetsDerivativeInstruments" xlink:label="Locator_us-gaap_DeferredTaxAssetsDerivativeInstruments_7346" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7345" xlink:to="Locator_us-gaap_DeferredTaxAssetsDerivativeInstruments_7346" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7347" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DeferredTaxAssetAcquiredPortfolio" xlink:label="Locator_ofg_DeferredTaxAssetAcquiredPortfolio_7348" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7347" xlink:to="Locator_ofg_DeferredTaxAssetAcquiredPortfolio_7348" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7349" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DeferredTaxAssetsTaxIndemnificationAsset" xlink:label="Locator_ofg_DeferredTaxAssetsTaxIndemnificationAsset_7350" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7349" xlink:to="Locator_ofg_DeferredTaxAssetsTaxIndemnificationAsset_7350" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7351" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherDeferredAllowanceTaxAssets" xlink:label="Locator_ofg_OtherDeferredAllowanceTaxAssets_7352" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7351" xlink:to="Locator_ofg_OtherDeferredAllowanceTaxAssets_7352" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7353" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_DeferredTaxAssetsInAcquiredSoftwareRelatedToAcquisition" xlink:label="Locator_ofg_DeferredTaxAssetsInAcquiredSoftwareRelatedToAcquisition_7354" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7353" xlink:to="Locator_ofg_DeferredTaxAssetsInAcquiredSoftwareRelatedToAcquisition_7354" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7355" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxAssetsOther" xlink:label="Locator_us-gaap_DeferredTaxAssetsOther_7356" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7355" xlink:to="Locator_us-gaap_DeferredTaxAssetsOther_7356" order="12.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7357" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxAssetsGross" xlink:label="Locator_us-gaap_DeferredTaxAssetsGross_7358" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_7357" xlink:to="Locator_us-gaap_DeferredTaxAssetsGross_7358" order="13.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract_7327" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7328" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract_7327" xlink:to="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7328" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7359" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Deferredtaxliabilitiesfdicindemnificationasset" xlink:label="Locator_ofg_Deferredtaxliabilitiesfdicindemnificationasset_7360" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7359" xlink:to="Locator_ofg_Deferredtaxliabilitiesfdicindemnificationasset_7360" order="1.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7361" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Deferredtaxliabilityfdicassistedacquisition" xlink:label="Locator_ofg_Deferredtaxliabilityfdicassistedacquisition_7362" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7361" xlink:to="Locator_ofg_Deferredtaxliabilityfdicassistedacquisition_7362" order="2.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7363" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Deferredtaxliabilitiescustomerdepositandcustomerrelationship" xlink:label="Locator_ofg_Deferredtaxliabilitiescustomerdepositandcustomerrelationship_7364" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7363" xlink:to="Locator_ofg_Deferredtaxliabilitiescustomerdepositandcustomerrelationship_7364" order="3.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7365" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Deferredtaxliabilitiesbuildingvaluationadjusment" xlink:label="Locator_ofg_Deferredtaxliabilitiesbuildingvaluationadjusment_7366" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7365" xlink:to="Locator_ofg_Deferredtaxliabilitiesbuildingvaluationadjusment_7366" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7367" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities" xlink:label="Locator_us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities_7368" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7367" xlink:to="Locator_us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities_7368" order="5.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7369" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxLiabilitiesMortgageServicingRights" xlink:label="Locator_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_7370" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7369" xlink:to="Locator_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_7370" order="6.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7371" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxLiabilitiesOther" xlink:label="Locator_us-gaap_DeferredTaxLiabilitiesOther_7372" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7371" xlink:to="Locator_us-gaap_DeferredTaxLiabilitiesOther_7372" order="7.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7373" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilities" xlink:label="Locator_us-gaap_DeferredIncomeTaxLiabilities_7374" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_7373" xlink:to="Locator_us-gaap_DeferredIncomeTaxLiabilities_7374" order="8.0" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract_7329" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxAssetsValuationAllowance" xlink:label="Locator_us-gaap_DeferredTaxAssetsValuationAllowance_7330" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract_7329" xlink:to="Locator_us-gaap_DeferredTaxAssetsValuationAllowance_7330" order="3.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" xlink:label="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract_7331" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxAssetsNet" xlink:label="Locator_us-gaap_DeferredTaxAssetsNet_7332" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract_7331" xlink:to="Locator_us-gaap_DeferredTaxAssetsNet_7332" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/EmployeeBenefitPlanNarrativeDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:label="Locator_us-gaap_CompensationAndRetirementDisclosureAbstract_7419" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeeAmount" xlink:label="Locator_us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeeAmount_7420" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CompensationAndRetirementDisclosureAbstract_7419" xlink:to="Locator_us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeeAmount_7420" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:label="Locator_us-gaap_CompensationAndRetirementDisclosureAbstract_7421" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesEmployeeBenefitPlan" xlink:label="Locator_us-gaap_StockIssuedDuringPeriodSharesEmployeeBenefitPlan_7422" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CompensationAndRetirementDisclosureAbstract_7421" xlink:to="Locator_us-gaap_StockIssuedDuringPeriodSharesEmployeeBenefitPlan_7422" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:label="Locator_us-gaap_CompensationAndRetirementDisclosureAbstract_7423" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DefinedContributionPlanCostRecognized" xlink:label="Locator_us-gaap_DefinedContributionPlanCostRecognized_7424" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CompensationAndRetirementDisclosureAbstract_7423" xlink:to="Locator_us-gaap_DefinedContributionPlanCostRecognized_7424" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:label="Locator_us-gaap_CompensationAndRetirementDisclosureAbstract_7425" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount" xlink:label="Locator_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount_7426" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CompensationAndRetirementDisclosureAbstract_7425" xlink:to="Locator_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount_7426" order="4.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/PremisesAndEquipmentNarrativeDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentAbstract_7427" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Depreciation" xlink:label="Locator_us-gaap_Depreciation_7428" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PropertyPlantAndEquipmentAbstract_7427" xlink:to="Locator_us-gaap_Depreciation_7428" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/PremisesAndEquipmentDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeAxis" xlink:label="Locator_us-gaap_RangeAxis_7479" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeMember" xlink:label="Locator_us-gaap_RangeMember_7480" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RangeAxis_7479" xlink:to="Locator_us-gaap_RangeMember_7480" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeMember" xlink:label="Locator_us-gaap_RangeMember_7481" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MinimumMember" xlink:label="Locator_us-gaap_MinimumMember_7482" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RangeMember_7481" xlink:to="Locator_us-gaap_MinimumMember_7482" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeMember" xlink:label="Locator_us-gaap_RangeMember_7483" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaximumMember" xlink:label="Locator_us-gaap_MaximumMember_7484" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RangeMember_7483" xlink:to="Locator_us-gaap_MaximumMember_7484" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentAbstract_7435" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:label="Locator_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_7436" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PropertyPlantAndEquipmentAbstract_7435" xlink:to="Locator_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_7436" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:label="Locator_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_7473" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentLineItems_7474" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_7473" xlink:to="Locator_us-gaap_PropertyPlantAndEquipmentLineItems_7474" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentLineItems_7429" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentGross_7430" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PropertyPlantAndEquipmentLineItems_7429" xlink:to="Locator_us-gaap_PropertyPlantAndEquipmentGross_7430" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentLineItems_7431" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentUsefulLife_7432" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PropertyPlantAndEquipmentLineItems_7431" xlink:to="Locator_us-gaap_PropertyPlantAndEquipmentUsefulLife_7432" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:label="Locator_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_7475" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentByTypeAxis_7476" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_7475" xlink:to="Locator_us-gaap_PropertyPlantAndEquipmentByTypeAxis_7476" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentByTypeAxis_7485" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentTypeDomain_7486" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PropertyPlantAndEquipmentByTypeAxis_7485" xlink:to="Locator_us-gaap_PropertyPlantAndEquipmentTypeDomain_7486" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentTypeDomain_7487" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LandImprovementsMember" xlink:label="Locator_us-gaap_LandImprovementsMember_7488" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PropertyPlantAndEquipmentTypeDomain_7487" xlink:to="Locator_us-gaap_LandImprovementsMember_7488" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentTypeDomain_7489" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BuildingAndBuildingImprovementsMember" xlink:label="Locator_us-gaap_BuildingAndBuildingImprovementsMember_7490" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PropertyPlantAndEquipmentTypeDomain_7489" xlink:to="Locator_us-gaap_BuildingAndBuildingImprovementsMember_7490" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentTypeDomain_7491" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LeaseholdImprovementsMember" xlink:label="Locator_us-gaap_LeaseholdImprovementsMember_7492" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PropertyPlantAndEquipmentTypeDomain_7491" xlink:to="Locator_us-gaap_LeaseholdImprovementsMember_7492" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentTypeDomain_7493" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FurnitureAndFixturesMember" xlink:label="Locator_us-gaap_FurnitureAndFixturesMember_7494" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PropertyPlantAndEquipmentTypeDomain_7493" xlink:to="Locator_us-gaap_FurnitureAndFixturesMember_7494" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentTypeDomain_7495" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xlink:label="Locator_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_7496" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PropertyPlantAndEquipmentTypeDomain_7495" xlink:to="Locator_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_7496" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:label="Locator_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_7477" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeAxis" xlink:label="Locator_us-gaap_RangeAxis_7478" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_7477" xlink:to="Locator_us-gaap_RangeAxis_7478" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentAbstract_7437" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="Locator_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_7438" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PropertyPlantAndEquipmentAbstract_7437" xlink:to="Locator_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_7438" order="2.0" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentAbstract_7439" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentNet_7440" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PropertyPlantAndEquipmentAbstract_7439" xlink:to="Locator_us-gaap_PropertyPlantAndEquipmentNet_7440" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/EquityBasedCompensationPlanTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationAbstract" xlink:label="Locator_us-gaap_ShareBasedCompensationAbstract_7497" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTextBlock" xlink:label="Locator_us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTextBlock_7498" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationAbstract_7497" xlink:to="Locator_us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTextBlock_7498" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationAbstract" xlink:label="Locator_us-gaap_ShareBasedCompensationAbstract_7499" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock_7500" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationAbstract_7499" xlink:to="Locator_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock_7500" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationAbstract" xlink:label="Locator_us-gaap_ShareBasedCompensationAbstract_7501" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfSharebasedCompensationRestrictedStockAndRestrictedStockUnitsActivityTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfSharebasedCompensationRestrictedStockAndRestrictedStockUnitsActivityTableTextBlock_7502" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationAbstract_7501" xlink:to="Locator_us-gaap_ScheduleOfSharebasedCompensationRestrictedStockAndRestrictedStockUnitsActivityTableTextBlock_7502" order="3.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/RegulatoryCapitalRequirementsTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RegulatoryCapitalRequirementsAbstract" xlink:label="Locator_us-gaap_RegulatoryCapitalRequirementsAbstract_7503" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:label="Locator_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_7504" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RegulatoryCapitalRequirementsAbstract_7503" xlink:to="Locator_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_7504" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/IncomeTaxesTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_7505" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_7506" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_7505" xlink:to="Locator_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_7506" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_7507" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_7508" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_7507" xlink:to="Locator_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_7508" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_7509" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SummaryOfIncomeTaxContingenciesTextBlock" xlink:label="Locator_us-gaap_SummaryOfIncomeTaxContingenciesTextBlock_7510" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_7509" xlink:to="Locator_us-gaap_SummaryOfIncomeTaxContingenciesTextBlock_7510" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_7511" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_7512" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_7511" xlink:to="Locator_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_7512" order="4.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/PremisesAndEquipmentTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentAbstract_7513" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentTextBlock_7514" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PropertyPlantAndEquipmentAbstract_7513" xlink:to="Locator_us-gaap_PropertyPlantAndEquipmentTextBlock_7514" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/EquityBasedCompensationPlan">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensationAbstract" xlink:label="Locator_us-gaap_ShareBasedCompensationAbstract_7515" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DisclosureOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTextBlock" xlink:label="Locator_us-gaap_DisclosureOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTextBlock_7516" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ShareBasedCompensationAbstract_7515" xlink:to="Locator_us-gaap_DisclosureOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTextBlock_7516" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/RegulatoryCapitalRequirements">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RegulatoryCapitalRequirementsAbstract" xlink:label="Locator_us-gaap_RegulatoryCapitalRequirementsAbstract_7517" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:label="Locator_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_7518" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RegulatoryCapitalRequirementsAbstract_7517" xlink:to="Locator_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_7518" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/EmployeeBenefitPlan">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:label="Locator_us-gaap_CompensationAndRetirementDisclosureAbstract_7519" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xlink:label="Locator_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock_7520" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CompensationAndRetirementDisclosureAbstract_7519" xlink:to="Locator_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock_7520" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/PremisesAndEquipment">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentAbstract_7521" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_7522" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PropertyPlantAndEquipmentAbstract_7521" xlink:to="Locator_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_7522" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/IncomeTaxReconciliationOfUnrecognizedTaxBenefitsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxUncertaintiesAbstract" xlink:label="Locator_us-gaap_IncomeTaxUncertaintiesAbstract_7523" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:label="Locator_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_7524" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxUncertaintiesAbstract_7523" xlink:to="Locator_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_7524" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:label="Locator_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_7527" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" xlink:label="Locator_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions_7528" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_7527" xlink:to="Locator_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions_7528" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:label="Locator_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_7529" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromAcquisition" xlink:label="Locator_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromAcquisition_7530" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_7529" xlink:to="Locator_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromAcquisition_7530" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:label="Locator_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_7531" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" xlink:label="Locator_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities_7532" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_7531" xlink:to="Locator_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities_7532" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:label="Locator_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_7533" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations" xlink:label="Locator_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations_7534" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_7533" xlink:to="Locator_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations_7534" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:label="Locator_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_7525" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnrecognizedTaxBenefits" xlink:label="Locator_us-gaap_UnrecognizedTaxBenefits_7526" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_7525" xlink:to="Locator_us-gaap_UnrecognizedTaxBenefits_7526" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:label="Locator_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_7535" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnrecognizedTaxBenefits" xlink:label="Locator_us-gaap_UnrecognizedTaxBenefits_7536" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_7535" xlink:to="Locator_us-gaap_UnrecognizedTaxBenefits_7536" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/RestrictedCashNarrativeDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_7571" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_7572" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeAxis_7571" xlink:to="Locator_us-gaap_InvestmentTypeCategorizationMember_7572" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_7573" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember" xlink:label="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_7574" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_7573" xlink:to="Locator_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_7574" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_7575" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeMember" xlink:label="Locator_us-gaap_DerivativeMember_7576" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_7575" xlink:to="Locator_us-gaap_DerivativeMember_7576" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="Locator_us-gaap_InvestmentTypeCategorizationMember_7577" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ResidentialLoansSoldWithRecourseMember" xlink:label="Locator_ofg_ResidentialLoansSoldWithRecourseMember_7578" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeCategorizationMember_7577" xlink:to="Locator_ofg_ResidentialLoansSoldWithRecourseMember_7578" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndInvestmentsAbstract" xlink:label="Locator_us-gaap_RestrictedCashAndInvestmentsAbstract_7537" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable" xlink:label="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable_7538" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RestrictedCashAndInvestmentsAbstract_7537" xlink:to="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable_7538" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable" xlink:label="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable_7567" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems" xlink:label="Locator_us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems_7568" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable_7567" xlink:to="Locator_us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems_7568" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems" xlink:label="Locator_us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems_7539" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CertificatesofdepositsSubsidiary" xlink:label="Locator_ofg_CertificatesofdepositsSubsidiary_7540" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems_7539" xlink:to="Locator_ofg_CertificatesofdepositsSubsidiary_7540" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems" xlink:label="Locator_us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems_7541" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TreasuryBillSubsidiary" xlink:label="Locator_ofg_TreasuryBillSubsidiary_7542" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems_7541" xlink:to="Locator_ofg_TreasuryBillSubsidiary_7542" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems" xlink:label="Locator_us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems_7543" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ReserveRequiredByLocalGoverment" xlink:label="Locator_ofg_ReserveRequiredByLocalGoverment_7544" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems_7543" xlink:to="Locator_ofg_ReserveRequiredByLocalGoverment_7544" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems" xlink:label="Locator_us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems_7545" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="Locator_us-gaap_RestrictedCashAndCashEquivalents_7546" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems_7545" xlink:to="Locator_us-gaap_RestrictedCashAndCashEquivalents_7546" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable" xlink:label="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable_7569" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_7570" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable_7569" xlink:to="Locator_us-gaap_InvestmentTypeAxis_7570" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/FDICIndemnificationAssetAndTrueupPaymentObligationFDICIndemnificationExpenseDetails">
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Fdicsharedlossexpenseabstract" xlink:label="Locator_ofg_Fdicsharedlossexpenseabstract_7579" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicIndemnificationAssetExpense" xlink:label="Locator_ofg_FdicIndemnificationAssetExpense_7580" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_Fdicsharedlossexpenseabstract_7579" xlink:to="Locator_ofg_FdicIndemnificationAssetExpense_7580" order="1.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Fdicsharedlossexpenseabstract" xlink:label="Locator_ofg_Fdicsharedlossexpenseabstract_7581" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicClawbackLiability" xlink:label="Locator_ofg_FdicClawbackLiability_7582" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_Fdicsharedlossexpenseabstract_7581" xlink:to="Locator_ofg_FdicClawbackLiability_7582" order="2.0" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Fdicsharedlossexpenseabstract" xlink:label="Locator_ofg_Fdicsharedlossexpenseabstract_7583" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Reimbursementtofdicforrecoveries" xlink:label="Locator_ofg_Reimbursementtofdicforrecoveries_7584" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_Fdicsharedlossexpenseabstract_7583" xlink:to="Locator_ofg_Reimbursementtofdicforrecoveries_7584" order="3.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Fdicsharedlossexpenseabstract" xlink:label="Locator_ofg_Fdicsharedlossexpenseabstract_7585" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FinalSettlementWithTheFdicOnCommercialLoans" xlink:label="Locator_ofg_FinalSettlementWithTheFdicOnCommercialLoans_7586" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_Fdicsharedlossexpenseabstract_7585" xlink:to="Locator_ofg_FinalSettlementWithTheFdicOnCommercialLoans_7586" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Fdicsharedlossexpenseabstract" xlink:label="Locator_ofg_Fdicsharedlossexpenseabstract_7587" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SharedLossTerminationBenefit" xlink:label="Locator_ofg_SharedLossTerminationBenefit_7588" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_Fdicsharedlossexpenseabstract_7587" xlink:to="Locator_ofg_SharedLossTerminationBenefit_7588" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Fdicsharedlossexpenseabstract" xlink:label="Locator_ofg_Fdicsharedlossexpenseabstract_7589" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_FdicSharedLossExpenseNet" xlink:label="Locator_ofg_FdicSharedLossExpenseNet_7590" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_Fdicsharedlossexpenseabstract_7589" xlink:to="Locator_ofg_FdicSharedLossExpenseNet_7590" order="6.0" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/ForeclosedRealEstate">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherRealEstateAbstract" xlink:label="Locator_us-gaap_OtherRealEstateAbstract_7601" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RealEstateOwnedTextBlock" xlink:label="Locator_us-gaap_RealEstateOwnedTextBlock_7602" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherRealEstateAbstract_7601" xlink:to="Locator_us-gaap_RealEstateOwnedTextBlock_7602" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/ForeclosedRealEstateTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherRealEstateAbstract" xlink:label="Locator_us-gaap_OtherRealEstateAbstract_7603" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Foreclosedrealestaterollforwardtabletextblock" xlink:label="Locator_ofg_Foreclosedrealestaterollforwardtabletextblock_7604" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherRealEstateAbstract_7603" xlink:to="Locator_ofg_Foreclosedrealestaterollforwardtabletextblock_7604" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/ForeclosedRealEstateRollforwardDetails">
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedTable" xlink:label="Locator_ofg_OtherRealEstateOwnedTable_7641" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedRollforwardLineItems" xlink:label="Locator_ofg_OtherRealEstateOwnedRollforwardLineItems_7642" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherRealEstateOwnedTable_7641" xlink:to="Locator_ofg_OtherRealEstateOwnedRollforwardLineItems_7642" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedRollforwardLineItems" xlink:label="Locator_ofg_OtherRealEstateOwnedRollforwardLineItems_7607" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedWriteDowns" xlink:label="Locator_ofg_OtherRealEstateOwnedWriteDowns_7608" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherRealEstateOwnedRollforwardLineItems_7607" xlink:to="Locator_ofg_OtherRealEstateOwnedWriteDowns_7608" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedRollforwardLineItems" xlink:label="Locator_ofg_OtherRealEstateOwnedRollforwardLineItems_7609" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Otherrealestateownedadditions" xlink:label="Locator_ofg_Otherrealestateownedadditions_7610" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherRealEstateOwnedRollforwardLineItems_7609" xlink:to="Locator_ofg_Otherrealestateownedadditions_7610" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedRollforwardLineItems" xlink:label="Locator_ofg_OtherRealEstateOwnedRollforwardLineItems_7611" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Otherrealestateownedsales" xlink:label="Locator_ofg_Otherrealestateownedsales_7612" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherRealEstateOwnedRollforwardLineItems_7611" xlink:to="Locator_ofg_Otherrealestateownedsales_7612" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedRollforwardLineItems" xlink:label="Locator_ofg_OtherRealEstateOwnedRollforwardLineItems_7613" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Otherrealestateownedotheradjustments" xlink:label="Locator_ofg_Otherrealestateownedotheradjustments_7614" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherRealEstateOwnedRollforwardLineItems_7613" xlink:to="Locator_ofg_Otherrealestateownedotheradjustments_7614" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedRollforwardLineItems" xlink:label="Locator_ofg_OtherRealEstateOwnedRollforwardLineItems_7605" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherRealEstateAndForeclosedAssets" xlink:label="Locator_us-gaap_OtherRealEstateAndForeclosedAssets_7606" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherRealEstateOwnedRollforwardLineItems_7605" xlink:to="Locator_us-gaap_OtherRealEstateAndForeclosedAssets_7606" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedRollforwardLineItems" xlink:label="Locator_ofg_OtherRealEstateOwnedRollforwardLineItems_7615" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherRealEstateAndForeclosedAssets" xlink:label="Locator_us-gaap_OtherRealEstateAndForeclosedAssets_7616" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherRealEstateOwnedRollforwardLineItems_7615" xlink:to="Locator_us-gaap_OtherRealEstateAndForeclosedAssets_7616" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedTable" xlink:label="Locator_ofg_OtherRealEstateOwnedTable_7643" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedAxis" xlink:label="Locator_ofg_OtherRealEstateOwnedAxis_7644" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherRealEstateOwnedTable_7643" xlink:to="Locator_ofg_OtherRealEstateOwnedAxis_7644" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedAxis" xlink:label="Locator_ofg_OtherRealEstateOwnedAxis_7645" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedDomain" xlink:label="Locator_ofg_OtherRealEstateOwnedDomain_7646" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherRealEstateOwnedAxis_7645" xlink:to="Locator_ofg_OtherRealEstateOwnedDomain_7646" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedDomain" xlink:label="Locator_ofg_OtherRealEstateOwnedDomain_7647" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OriginatedLoansMember" xlink:label="Locator_ofg_OriginatedLoansMember_7648" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherRealEstateOwnedDomain_7647" xlink:to="Locator_ofg_OriginatedLoansMember_7648" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedDomain" xlink:label="Locator_ofg_OtherRealEstateOwnedDomain_7649" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_AcquiredBbvaprLoansMember" xlink:label="Locator_ofg_AcquiredBbvaprLoansMember_7650" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherRealEstateOwnedDomain_7649" xlink:to="Locator_ofg_AcquiredBbvaprLoansMember_7650" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherRealEstateOwnedDomain" xlink:label="Locator_ofg_OtherRealEstateOwnedDomain_7651" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_EurobankMember" xlink:label="Locator_ofg_EurobankMember_7652" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_OtherRealEstateOwnedDomain_7651" xlink:to="Locator_ofg_EurobankMember_7652" order="3.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/SignificantEvent">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ExtraordinaryAndUnusualItemsAbstract" xlink:label="Locator_us-gaap_ExtraordinaryAndUnusualItemsAbstract_7653" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnusualOrInfrequentItemsDisclosureTextBlock" xlink:label="Locator_us-gaap_UnusualOrInfrequentItemsDisclosureTextBlock_7654" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ExtraordinaryAndUnusualItemsAbstract_7653" xlink:to="Locator_us-gaap_UnusualOrInfrequentItemsDisclosureTextBlock_7654" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/SignificantEventNarrativeDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ExtraordinaryAndUnusualItemsAbstract" xlink:label="Locator_us-gaap_ExtraordinaryAndUnusualItemsAbstract_7655" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SpecialProvisionSignificantEvent" xlink:label="Locator_ofg_SpecialProvisionSignificantEvent_7656" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ExtraordinaryAndUnusualItemsAbstract_7655" xlink:to="Locator_ofg_SpecialProvisionSignificantEvent_7656" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ExtraordinaryAndUnusualItemsAbstract" xlink:label="Locator_us-gaap_ExtraordinaryAndUnusualItemsAbstract_7657" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_IncurredCostsDueToHurricane" xlink:label="Locator_ofg_IncurredCostsDueToHurricane_7658" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ExtraordinaryAndUnusualItemsAbstract_7657" xlink:to="Locator_ofg_IncurredCostsDueToHurricane_7658" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ExtraordinaryAndUnusualItemsAbstract" xlink:label="Locator_us-gaap_ExtraordinaryAndUnusualItemsAbstract_7659" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InsuranceReimbursement" xlink:label="Locator_ofg_InsuranceReimbursement_7660" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ExtraordinaryAndUnusualItemsAbstract_7659" xlink:to="Locator_ofg_InsuranceReimbursement_7660" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InsuranceReimbursement" xlink:label="Locator_ofg_InsuranceReimbursement_7667" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherAssetsReceivableFromInsurance" xlink:label="Locator_ofg_OtherAssetsReceivableFromInsurance_7668" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_InsuranceReimbursement_7667" xlink:to="Locator_ofg_OtherAssetsReceivableFromInsurance_7668" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ExtraordinaryAndUnusualItemsAbstract" xlink:label="Locator_us-gaap_ExtraordinaryAndUnusualItemsAbstract_7661" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_EstimatedTotalLosses" xlink:label="Locator_ofg_EstimatedTotalLosses_7662" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ExtraordinaryAndUnusualItemsAbstract_7661" xlink:to="Locator_ofg_EstimatedTotalLosses_7662" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ExtraordinaryAndUnusualItemsAbstract" xlink:label="Locator_us-gaap_ExtraordinaryAndUnusualItemsAbstract_7663" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ProvisionForLoanLossesToReplenishTheAllowanceForLoanChargeOffs" xlink:label="Locator_ofg_ProvisionForLoanLossesToReplenishTheAllowanceForLoanChargeOffs_7664" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ExtraordinaryAndUnusualItemsAbstract_7663" xlink:to="Locator_ofg_ProvisionForLoanLossesToReplenishTheAllowanceForLoanChargeOffs_7664" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ExtraordinaryAndUnusualItemsAbstract" xlink:label="Locator_us-gaap_ExtraordinaryAndUnusualItemsAbstract_7665" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ChargeOffsRelatedToTheHurricanes" xlink:label="Locator_ofg_ChargeOffsRelatedToTheHurricanes_7666" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ExtraordinaryAndUnusualItemsAbstract_7665" xlink:to="Locator_ofg_ChargeOffsRelatedToTheHurricanes_7666" order="6.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/SubsequentEventsNarrativeDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventsAbstract" xlink:label="Locator_us-gaap_SubsequentEventsAbstract_7669" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventDescription" xlink:label="Locator_us-gaap_SubsequentEventDescription_7670" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SubsequentEventsAbstract_7669" xlink:to="Locator_us-gaap_SubsequentEventDescription_7670" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventsAbstract" xlink:label="Locator_us-gaap_SubsequentEventsAbstract_7671" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventsDate" xlink:label="Locator_us-gaap_SubsequentEventsDate_7672" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SubsequentEventsAbstract_7671" xlink:to="Locator_us-gaap_SubsequentEventsDate_7672" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventsAbstract" xlink:label="Locator_us-gaap_SubsequentEventsAbstract_7673" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SubsequentEventNewEntityCapitalContribution" xlink:label="Locator_ofg_SubsequentEventNewEntityCapitalContribution_7674" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SubsequentEventsAbstract_7673" xlink:to="Locator_ofg_SubsequentEventNewEntityCapitalContribution_7674" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventsAbstract" xlink:label="Locator_us-gaap_SubsequentEventsAbstract_7675" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SubsequentEventsCapitalContributionDate" xlink:label="Locator_ofg_SubsequentEventsCapitalContributionDate_7676" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SubsequentEventsAbstract_7675" xlink:to="Locator_ofg_SubsequentEventsCapitalContributionDate_7676" order="4.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/OFGBANCORPHoldingCompanyFinancialInformationTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:label="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_7677" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Condensedconsolidatingbalancesheettabletextblock" xlink:label="Locator_ofg_Condensedconsolidatingbalancesheettabletextblock_7678" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_7677" xlink:to="Locator_ofg_Condensedconsolidatingbalancesheettabletextblock_7678" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:label="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_7679" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Condensedconsolidatingstatementofoperationstabletextblock" xlink:label="Locator_ofg_Condensedconsolidatingstatementofoperationstabletextblock_7680" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_7679" xlink:to="Locator_ofg_Condensedconsolidatingstatementofoperationstabletextblock_7680" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:label="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_7681" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Condensedconsolidatingothercomprenhensiveincometabletextblock" xlink:label="Locator_ofg_Condensedconsolidatingothercomprenhensiveincometabletextblock_7682" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_7681" xlink:to="Locator_ofg_Condensedconsolidatingothercomprenhensiveincometabletextblock_7682" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:label="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_7683" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Condensedconsolidatingstatementofcashflowstabletextblock" xlink:label="Locator_ofg_Condensedconsolidatingstatementofcashflowstabletextblock_7684" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_7683" xlink:to="Locator_ofg_Condensedconsolidatingstatementofcashflowstabletextblock_7684" order="4.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BankingAndFinanialServiceRevenues">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="Locator_us-gaap_BankingAndThriftAbstract_7685" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftDisclosureTextBlock" xlink:label="Locator_us-gaap_BankingAndThriftDisclosureTextBlock_7686" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BankingAndThriftAbstract_7685" xlink:to="Locator_us-gaap_BankingAndThriftDisclosureTextBlock_7686" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BankingAndFinanialServiceRevenuesTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="Locator_us-gaap_BankingAndThriftAbstract_7687" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ScheduleofcommissionandfeerevenuetableTextBlock" xlink:label="Locator_ofg_ScheduleofcommissionandfeerevenuetableTextBlock_7688" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BankingAndThriftAbstract_7687" xlink:to="Locator_ofg_ScheduleofcommissionandfeerevenuetableTextBlock_7688" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://orientalfg.com/role/BankingAndFinanialServiceRevenuesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="Locator_us-gaap_BankingAndThriftAbstract_7727" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BankingServiceRevenuesAbstract" xlink:label="Locator_ofg_BankingServiceRevenuesAbstract_7728" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BankingAndThriftAbstract_7727" xlink:to="Locator_ofg_BankingServiceRevenuesAbstract_7728" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BankingServiceRevenuesAbstract" xlink:label="Locator_ofg_BankingServiceRevenuesAbstract_7689" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CheckingAccountsFees" xlink:label="Locator_ofg_CheckingAccountsFees_7690" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_BankingServiceRevenuesAbstract_7689" xlink:to="Locator_ofg_CheckingAccountsFees_7690" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BankingServiceRevenuesAbstract" xlink:label="Locator_ofg_BankingServiceRevenuesAbstract_7691" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_SavingsAccountsFees" xlink:label="Locator_ofg_SavingsAccountsFees_7692" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_BankingServiceRevenuesAbstract_7691" xlink:to="Locator_ofg_SavingsAccountsFees_7692" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BankingServiceRevenuesAbstract" xlink:label="Locator_ofg_BankingServiceRevenuesAbstract_7693" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_ElectronicBankingFees" xlink:label="Locator_ofg_ElectronicBankingFees_7694" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_BankingServiceRevenuesAbstract_7693" xlink:to="Locator_ofg_ElectronicBankingFees_7694" order="3.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BankingServiceRevenuesAbstract" xlink:label="Locator_ofg_BankingServiceRevenuesAbstract_7695" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_CreditLifeCommissions" xlink:label="Locator_ofg_CreditLifeCommissions_7696" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_BankingServiceRevenuesAbstract_7695" xlink:to="Locator_ofg_CreditLifeCommissions_7696" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BankingServiceRevenuesAbstract" xlink:label="Locator_ofg_BankingServiceRevenuesAbstract_7697" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BranchServiceCommissions" xlink:label="Locator_ofg_BranchServiceCommissions_7698" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_BankingServiceRevenuesAbstract_7697" xlink:to="Locator_ofg_BranchServiceCommissions_7698" order="5.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BankingServiceRevenuesAbstract" xlink:label="Locator_ofg_BankingServiceRevenuesAbstract_7699" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ContractuallySpecifiedServicingFeesAmount" xlink:label="Locator_us-gaap_ContractuallySpecifiedServicingFeesAmount_7700" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_BankingServiceRevenuesAbstract_7699" xlink:to="Locator_us-gaap_ContractuallySpecifiedServicingFeesAmount_7700" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BankingServiceRevenuesAbstract" xlink:label="Locator_ofg_BankingServiceRevenuesAbstract_7701" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_InternationalFees" xlink:label="Locator_ofg_InternationalFees_7702" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_BankingServiceRevenuesAbstract_7701" xlink:to="Locator_ofg_InternationalFees_7702" order="7.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BankingServiceRevenuesAbstract" xlink:label="Locator_ofg_BankingServiceRevenuesAbstract_7703" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MiscellaneousIncome" xlink:label="Locator_ofg_MiscellaneousIncome_7704" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_BankingServiceRevenuesAbstract_7703" xlink:to="Locator_ofg_MiscellaneousIncome_7704" order="8.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BankingServiceRevenuesAbstract" xlink:label="Locator_ofg_BankingServiceRevenuesAbstract_7705" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TotalBankingServiceRevenues" xlink:label="Locator_ofg_TotalBankingServiceRevenues_7706" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_BankingServiceRevenuesAbstract_7705" xlink:to="Locator_ofg_TotalBankingServiceRevenues_7706" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="Locator_us-gaap_BankingAndThriftAbstract_7729" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_WealthManagementRevenueAbstract" xlink:label="Locator_ofg_WealthManagementRevenueAbstract_7730" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BankingAndThriftAbstract_7729" xlink:to="Locator_ofg_WealthManagementRevenueAbstract_7730" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_WealthManagementRevenueAbstract" xlink:label="Locator_ofg_WealthManagementRevenueAbstract_7707" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InsuranceCommissionsAndFees" xlink:label="Locator_us-gaap_InsuranceCommissionsAndFees_7708" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_WealthManagementRevenueAbstract_7707" xlink:to="Locator_us-gaap_InsuranceCommissionsAndFees_7708" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_WealthManagementRevenueAbstract" xlink:label="Locator_ofg_WealthManagementRevenueAbstract_7709" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_BrokerFees" xlink:label="Locator_ofg_BrokerFees_7710" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_WealthManagementRevenueAbstract_7709" xlink:to="Locator_ofg_BrokerFees_7710" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_WealthManagementRevenueAbstract" xlink:label="Locator_ofg_WealthManagementRevenueAbstract_7711" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TrustFees" xlink:label="Locator_ofg_TrustFees_7712" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_WealthManagementRevenueAbstract_7711" xlink:to="Locator_ofg_TrustFees_7712" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_WealthManagementRevenueAbstract" xlink:label="Locator_ofg_WealthManagementRevenueAbstract_7713" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_RetirementPlanAndAdministrationFees" xlink:label="Locator_ofg_RetirementPlanAndAdministrationFees_7714" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_WealthManagementRevenueAbstract_7713" xlink:to="Locator_ofg_RetirementPlanAndAdministrationFees_7714" order="4.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_WealthManagementRevenueAbstract" xlink:label="Locator_ofg_WealthManagementRevenueAbstract_7715" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentBankingRevenue" xlink:label="Locator_us-gaap_InvestmentBankingRevenue_7716" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_WealthManagementRevenueAbstract_7715" xlink:to="Locator_us-gaap_InvestmentBankingRevenue_7716" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_WealthManagementRevenueAbstract" xlink:label="Locator_ofg_WealthManagementRevenueAbstract_7717" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_WealthManagementRevenue" xlink:label="Locator_ofg_WealthManagementRevenue_7718" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_WealthManagementRevenueAbstract_7717" xlink:to="Locator_ofg_WealthManagementRevenue_7718" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="Locator_us-gaap_BankingAndThriftAbstract_7731" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MortgageBankingActivitiesAbstract" xlink:label="Locator_ofg_MortgageBankingActivitiesAbstract_7732" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BankingAndThriftAbstract_7731" xlink:to="Locator_ofg_MortgageBankingActivitiesAbstract_7732" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MortgageBankingActivitiesAbstract" xlink:label="Locator_ofg_MortgageBankingActivitiesAbstract_7719" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_Servicingfeesamount" xlink:label="Locator_ofg_Servicingfeesamount_7720" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_MortgageBankingActivitiesAbstract_7719" xlink:to="Locator_ofg_Servicingfeesamount_7720" order="1.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MortgageBankingActivitiesAbstract" xlink:label="Locator_ofg_MortgageBankingActivitiesAbstract_7721" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_GainLossOnSaleOfMortgageLoansAndValuation" xlink:label="Locator_ofg_GainLossOnSaleOfMortgageLoansAndValuation_7722" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_MortgageBankingActivitiesAbstract_7721" xlink:to="Locator_ofg_GainLossOnSaleOfMortgageLoansAndValuation_7722" order="2.0" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MortgageBankingActivitiesAbstract" xlink:label="Locator_ofg_MortgageBankingActivitiesAbstract_7723" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_OtherFees" xlink:label="Locator_ofg_OtherFees_7724" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_MortgageBankingActivitiesAbstract_7723" xlink:to="Locator_ofg_OtherFees_7724" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_MortgageBankingActivitiesAbstract" xlink:label="Locator_ofg_MortgageBankingActivitiesAbstract_7725" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TotalMortgageBankingActivities" xlink:label="Locator_ofg_TotalMortgageBankingActivities_7726" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_ofg_MortgageBankingActivitiesAbstract_7725" xlink:to="Locator_ofg_TotalMortgageBankingActivities_7726" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="Locator_us-gaap_BankingAndThriftAbstract_7733" />
        <loc xlink:type="locator" xlink:href="ofg-20180930.xsd#ofg_TotalBankingAndFinancialServiceRevenues" xlink:label="Locator_ofg_TotalBankingAndFinancialServiceRevenues_7734" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BankingAndThriftAbstract_7733" xlink:to="Locator_ofg_TotalBankingAndFinancialServiceRevenues_7734" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
</linkbase>
