Eric Wasserstrom | Head of IR |
Roger Hochschild | CEO |
John Greene | CFO |
Rick Shane | JPMorgan |
Jeff Adelson | Morgan Stanley |
Ryan Nash | Goldman Sachs |
John Hecht | Jefferies |
Don Fandetti | Wells Fargo |
Sanjay Sakhrani | KBW |
Kevin Barker | Piper Sandler |
Mihir Bhatia | Bank of America |
Nick Holowko | UBS |
Bob Napoli | William Blair |
Arren Cyganovich | Citi |
Dominick Gabriele | Oppenheimer |
Bill Ryan | Seaport Research Partners |
Good morning. My name is Todd, and I will be your conference operator today. At this time, I would like to welcome everyone to the Second Quarter 2023 Discover Financial Services Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there'll be a question-and-answer session.