 Truist Financial Corporation NYSE:TFC Q4 2022 Earnings Conference Call January 19, 2023 8:00 AM ET Company Participants Ankur Vyas - Head, Investor Relations Bill Rogers - Chairman and Chief Executive Officer Mike Maguire - Chief Financial Officer Clarke Starnes - Vice Chair and Chief Risk Officer Beau Cummins - Vice Chair John Howard - Chief Insurance Officer Conference Call Participants Mike Mayo - Wells Fargo Securities Ken Usdin - Jefferies Matt OConnor - Deutsche Bank John McDonald - Autonomous Research Ebrahim Poonawala - Bank of America Gerard Cassidy - RBC Betsy Graseck - Morgan Stanley Operator Greetings, ladies and gentlemen and welcome to the Truist Financial Corporations Fourth Quarter 2022 Earnings Conference Call. Operator Instructions As a reminder, this event is being recorded. 