Brian Klock | executive |
Daryl Bible | executive |
Manan Gosalia | analyst |
Ebrahim Poonawala | analyst |
L. Erika Penala | analyst |
Matthew O'Connor | analyst |
Bill Carcache | analyst |
Brent Erensel | analyst |
Gerard Cassidy | analyst |
John Pancari | analyst |
Welcome to the M&T Bank Third Quarter 2023 Earnings Conference Call. [Operator Instructions] Please be advised that today's conference is being recorded. I would now like to hand the conference over to Brian Klock, Head of Market and Investor Relations. Please go ahead.
Thank you, Angela, and good morning.