Kerri Bernstein | Head-Investor Relations |
Steve Squeri | Chairman and Chief Executive Officer |
Jeff Campbell | Chief Financial Officer |
Sanjay Sakhrani | KBW |
Mihir Bhatia | Bank of America |
Mark DeVries | Barclays |
Betsy Graseck | Morgan Stanley |
Rick Shane | JPMorgan |
Craig Maurer | FT Partners |
Dominick Gabriele | Oppenheimer |
Moshe Orenbuch | Credit Suisse |
Bob Napoli | William Blair |
Don Fandetti | Wells Fargo |
Lisa Ellis | MoffettNathanson |
Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q1 2023 Earnings Call. At this time all participants are in a listen-only mode. Later we will conduct a question-and-answer session. [Operator Instructions] As a reminder, today's call is being recorded.