 Bank of Montreal NYSE:BMO Q4 2022 Earnings Call Transcript December 1, 2022 8:30 AM ET Company Participants Christine Viau - Investor Relations Darryl White - Chief Executive Officer Tayfun Tuzun - Chief Financial Officer Piyush Agrawal - Chief Risk Officer Ernie Johannson - Head of Canadian PC Dave Casper - Chief Executive Officer, U.S. PC Dan Barclay - Chief Executive Officer Group Head, BMO Capital Markets Conference Call Participants Ebrahim Poonawala - Bank of America Meny Grauman - Scotiabank Doug Young - Desjardin Capital Markets Gabriel Dechaine - National Bank Financial Paul Holden - CIBC Lemar Persaud - Cormark Securities Mario Mendonca - TD Securities Joo Ho Kim - Credit Suisse Scott Chan - Canaccord Genuity Operator Good morning, and welcome to the BMO Financial Groups Q4 2022 earnings release and conference call for December 1, 2022. Your host for today is Christine Viau. 