John McCartney | Head of Investor Relations |
Brian Porter | President and Chief Executive Officer |
Raj Viswanathan | Chief Financial Officer |
Phil Thomas | Chief Risk Officer |
Dan Rees | Canadian Banking |
Nacho Deschamps | International Banking |
Glen Gowland | Global Wealth Management |
Jake Lawrence | Global Banking and Markets |
Ebrahim Poonawala | BofA Securities |
Paul Holden | CIBC Capital Markets |
Doug Young | Desjardins Capital Markets |
Gabriel Dechaine | National Bank Financial |
Mario Mendonca | TD Securities |
Scott Chan | Canaccord Genuity |
Darko Mihelic | RBC Capital Markets |
Sohrab Movahedi | BMO Capital Markets |
Good morning, and welcome to Scotiabank's 2022 Fourth Quarter Results Presentation. My name is John McCartney. I'm Head of Investor Relations here at the bank. Presenting to you this morning are Brian Porter, Scotiabank's President and Chief Executive Officer; Raj Viswanathan, our Chief Financial Officer; and Phil Thomas, our Chief Risk Officer.
Following our comments, we'll be glad to take your questions.