Jeff Norris | SVP, Finance |
Richard Fairbank | Chairman and CEO |
Andrew Young | CFO |
Mihir Bhatia | Bank of America |
Ryan Nash | Goldman Sachs |
Betsy Graseck | Morgan Stanley |
Bill Carcache | Wolfe Research |
Don Fandetti | Wells Fargo |
Sanjay Sakhrani | KBW |
Arren Cyganovich | Citi |
Richard Shane | JP Morgan |
Moshe Orenbuch | Credit Suisse |
John Pancari | Evercore ISI |
Good day, and thank you for standing by. Welcome to the Fourth Quarter 2022 Capital One Financial Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers’ presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today’s conference is being recorded.