 Royal Bank of Canada NYSE:RY Q4 2022 Earnings Conference Call November 30, 2022 8:00 AM ET Company Participants Asim Imran - Head, Investor Relations Dave McKay - President and Chief Executive Officer Nadine Ahn - Chief Financial Officer Graeme Hepworth - Chief Risk Officer Neil McLaughlin - Group Head, Personal and Commercial Banking Derek Neldner - Group Head, Capital Markets Doug Guzman - Group Head, Wealth Management, Insurance and ITS Conference Call Participants Ebrahim Poonawala - Bank of America Doug Young - Desjardins Capital Markets Paul Holden - CIBC Capital Markets Mario Mendonca - TD Securities Scott Chan - Canaccord Genuity Gabriel Dechaine - National Bank Financial Sohrab Movahedi - BMO Capital Markets Meny Grauman - Scotiabank Lemar Persaud - Cormark Securities Mike Rizvanovic - KBW Joo Ho Kim - Credit Suisse Operator Good morning, ladies and gentlemen. Welcome to the RBCs Conference Call for the Fourth Quarter 2022 Financial Results. 