 Fifth Third Bancorp NASDAQ:FITB Q4 2022 Earnings Conference Call January 19, 2023 9:00 AM ET Company Participants Chris Doll - Director-Investor Relations Timothy Spence - President and Chief Executive Officer James Leonard - Executive Vice President and Chief Financial Officer Bryan Preston - Treasurer Richard Stein - Executive Vice President and Chief Credit Officer Conference Call Participants Gerard Cassidy - RBC Michael Mayo - Wells Fargo Scott Siefers - Piper Sandler Manan Gosalia - Morgan Stanley Ebrahim Poonawala - Bank of America John Pancari - Evercore Matthew OConnor - Deutsche Bank Operator Good morning. My name is Rob and I will be your conference operator today. 