Brian Klock | Head of Markets and IR |
Donald MacLeod | Director, IR |
Darren J. King | EVP & CFO |
John Pancari | Evercore ISI |
Ken Usdin | Jefferies |
Gerard Cassidy | RBC Capital Markets |
Christopher Spahr | Wells Fargo |
Dave Rochester | Compass Point |
Ebrahim Poonawala | Bank of America |
Erika Najarian | UBS |
Matt O'Connor | Deutsche Bank |
Good morning and welcome to the M&T Bank Fourth Quarter and Full Year 2021 Earnings Conference Call. Currently, all phone participants have been placed in a listen-only mode.
Following management’s prepared remarks, we will open the call for your questions. [Operator Instructions]. Today’s call is being recorded.