 Capital One Financial Corporation NYSE:COF.PK Q4 2022 Results Conference Call January 24, 2023 5:00 PM ET Company Participants Jeff Norris - SVP, Finance Richard Fairbank - Chairman and CEO Andrew Young - CFO Conference Call Participants Mihir Bhatia - Bank of America Ryan Nash - Goldman Sachs Betsy Graseck - Morgan Stanley Bill Carcache - Wolfe Research Don Fandetti - Wells Fargo Sanjay Sakhrani - KBW Arren Cyganovich - Citi Richard Shane - JP Morgan Moshe Orenbuch - Credit Suisse John Pancari - Evercore ISI Operator Good day, and thank you for standing by. Welcome to the Fourth Quarter 2022 Capital One Financial Earnings Conference Call. 