Jeff Norris | Senior Vice President, Global Finance |
Richard Fairbank | Chairman and CEO |
Andrew Young | Chief Financial Officer |
Sanjay Sakhrani | KBW |
Rick Shane | JPMorgan |
Bill Carcache | Wolfe Research |
John Pancari | Evercore ISI |
Ryan Nash | Goldman Sachs |
Betsy Graseck | Morgan Stanley |
Moshe Orenbuch | Credit Suisse |
Don Fandetti | Wells Fargo |
John Hecht | Jefferies |
Good day, ladies and gentlemen. And welcome to the Capital One First Quarter 2022 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question-and-answer period. [Operator Instructions] Thank you.