Brooke Hales | Vice President, Investor Relations |
Bharat Masrani | Chief Executive Officer |
Kelvin Tran | Chief Financial Officer |
Ajai Bambawale | Chief Risk Officer |
Michael Rhodes | Group Head, Canadian Personal Banking |
Paul Douglas | Group Head, Canadian Business Banking |
Raymond Chun | Group Head, Wealth & Insurance |
Leo Salom | President and CEO, TD Bank, America's Most Convenient Bank |
Riaz Ahmed | Group Head, Wholesale Banking |
Ebrahim Poonawala | Bank of America |
Doug Young | Desjardins Capital Markets |
Gabriel Dechaine | National Bank Financial |
Meny Grauman | Scotiabank |
Paul Holden | CIBC |
Lemar Persaud | Cormark Securities |
Nigel D’Souza | Veritas Investment Research |
Jo Ho Kim | Credit Suisse |
Darko Mihelic | RBC Capital Markets |
Mike Rizvanovic | KBW Research |
Scott Chan | Canaccord Genuity |
Good afternoon, everyone, and welcome to the TD Bank Group Q3 2022 Earnings Conference Call. I would now like to turn the meeting over to Ms. Brooke Hales. Please go ahead, Ms. Hales.