Brian Klock | Head of Markets & Investor Relations |
Darren King | Chief Financial Officer |
Matthew O'Connor | Deutsche Bank |
John Pancari | Evercore ISI |
Ebrahim Poonawala | BofA Securities |
Manan Gosalia | Morgan Stanley |
Ken Usdin | Jefferies |
Steven Alexopoulos | JPMorgan |
Gerard Cassidy | RBC Capital Markets |
Welcome to the M&T Bank Fourth Quarter and Full Year 2022 Earnings Conference Call. [Operator Instructions]. Please be advised that today's conference is being recorded.
I would now like to hand the conference over to Brian Klock, Head of Market and Investor Relations. Please go ahead.