Danielle Dietz | Managing Vice President, Global Finance |
Andrew Young | Chief Financial Officer |
Richard Fairbank | Chairman & Chief Executive Officer |
Ryan Nash | Goldman Sachs |
Kevin Barker | Piper Sandler |
Bill Carcache | Wolfe Research |
Rick Shane | JPMorgan |
Sanjay Sakhrani | KBW |
Don Fandetti | Wells Fargo |
Moshe Orenbuch | Credit Suisse |
Arren Cyganovich | Citi |
Betsy Graseck | Morgan Stanley |
Dominick Gabriele | Oppenheimer |
Good day, everyone, and welcome to the Capital One Second Quarter 2022 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question-and-answer session. [Operator Instructions] Thank you. I would now like to turn the call over to Ms.