Jeff Norris | SVP, Finance |
Andrew Young | CFO |
Richard Fairbank | Chairman & CEO |
Ryan Nash | Goldman Sachs |
Richard Shane | J.P. Morgan |
Mihir Bhatia | Bank of America |
Betsy Graseck | Morgan Stanley |
Sanjay Sakhrani | KBW |
Donald Fandetti | Wells Fargo |
Dominick Gabriele | Oppenheimer |
Good day, and thank you for standing by. Welcome to Capital One Q2 2023 Earnings 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.