Brooke Hales | 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 Management and Insurance |
Leo Salom | President and Chief Executive Officer, TD Bank, America’s Most Convenient Bank |
Riaz Ahmed | Group Head, Wholesale Banking |
Gabriel Dechaine | National Bank Financial |
Meny Grauman | Scotiabank |
Paul Holden | CIBC |
Doug Young | Desjardins Bank Capital Markets |
Lemar Persaud | Cormark Securities |
Sohrab Movahedi | BMO Capital Markets |
Joo Ho Kim | Credit Suisse |
Mike Rizvanovic | KBW Research |
Scott Chan | Canaccord Genuity |
Good afternoon, everyone and welcome to the TD Bank Group Q4 2022 Earnings Conference Call. I would now like to turn the meeting over to Ms. Brooke Hales. Please go ahead, Ms. Hales.