Kerri Bernstein | Head, IR |
Stephen Squeri | Chairman & CEO |
Jeff Campbell | CFO |
Christophe Le Caillec | Deputy Chief Financial Officer |
Sanjay Sakhrani | KBW |
Ryan Nash | Goldman Sachs |
Betsy Graseck | Morgan Stanley |
Richard Shane | JPMorgan |
Robert Napoli | William Blair |
Craig Maurer | FT Partners |
Lisa Ellis | MoffettNathanson |
Arren Cyganovich | Citi |
Dominick Gabriele | Oppenheimer |
Don Fandetti | Wells Fargo |
Mihir Bhatia | Bank of America |
Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q2 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.