Brian Klock | executive |
Daryl Bible | executive |
Gerard Cassidy | analyst |
Manan Gosalia | analyst |
John Pancari | analyst |
Ebrahim Poonawala | analyst |
Frank Schiraldi | analyst |
L. Erika Penala | analyst |
Bill Carcache | analyst |
Brian Foran | analyst |
Steven Alexopoulos | analyst |
Kenneth Usdin | analyst |
Christopher Spahr | analyst |
Welcome to the M&T Bank Fourth Quarter and Full Year 2023 Earnings Conference Call. [Operator Instructions]. Please be advised that today's conference is being recorded.
And I would now like to hand the conference over to Brian Klock, Head of Market and Investor Relations. Please go ahead.