Ankur Vyas | Head, Investor Relations |
Bill Rogers | Chairman and Chief Executive Officer |
Mike Maguire | Chief Financial Officer |
Clarke Starnes | Vice Chair and Chief Risk Officer |
Beau Cummins | Vice Chair |
John Howard | Chief Insurance Officer |
Mike Mayo | Wells Fargo Securities |
Ken Usdin | Jefferies |
Matt O’Connor | Deutsche Bank |
John McDonald | Autonomous Research |
Ebrahim Poonawala | Bank of America |
Gerard Cassidy | RBC |
Betsy Graseck | Morgan Stanley |
Greetings, ladies and gentlemen and welcome to the Truist Financial Corporation’s Fourth Quarter 2022 Earnings Conference Call. [Operator Instructions] As a reminder, this event is being recorded. It is now my pleasure to introduce your host, Mr. Ankur Vyas, Head of Investor Relations, Truist Financial Corporation. Please go ahead, sir.