Tim Sedabres | Director, Investor Relations |
Steve Steinour | Chairman, President and Chief Executive Officer |
Zach Wasserman | Chief Financial Officer and SEVP |
Rich Pohle | EVP and Chief Credit Officer |
Ebrahim Poonawala | Bank of America |
Scott Siefers | Piper Sandler |
Steven Alexopoulos | JPMorgan |
Ken Usdin | Jefferies |
Jon Arfstrom | RBC Capital Markets |
Peter Winter | Wedbush Securities, Inc. |
Erika Najarian | UBS |
Matt O'Connor | Deutsche Bank |
John Pancari | Evercore ISI |
Terry McEvoy | Stephens, Inc. |
Greetings, and welcome to the Huntington Bancshares Fourth Quarter Earnings Call. [Operator Instructions] As a reminder, this conference is being recorded. I would now like to turn the conference over to your host, Tim Sedabres, Director of Investor Relations.
Thank you, operator. Welcome, everyone and good morning.