 Zions Bancorporation, National Association NASDAQ:ZION Q4 2022 Results Conference Call January 23, 2023 5:30 PM ET Company Participants James Abbott - Director, IR Harris Simmons - Chairman and CEO Paul Burdiss - CFO Scott McLean - President and COO Michael Morris - Chief Credit Officer Conference Call Participants Manan Gosalia - Morgan Stanley Ebrahim Poonawala - Bank of America John Pancari - Evercore ISI Chris McGratty - KBW Peter Winter - D.A. Davidson Ken Usdin - Jefferies Operator Greetings, and welcome to the Zions Bancorp Q4 Earnings Conference Call. 