Q4 2023 Discover Financial Services Earnings Call Transcript

Jan 22, 2024

Jan 18, 2024 / 01:00PM GMT
Operator

Good morning. My name is Todd, and I will be your conference operator today. At this time, I would like to welcome everyone to the Fourth Quarter 2023 Discover Financial Services Earnings Conference Call.

(Operator Instructions)

I will now turn the call over to Mr. Eric Wasserstrom, Senior Vice President of Corporate Strategy and Investor Relations. Please go ahead.

Eric Edmund Wasserstrom - Discover Financial Services - Head of IR

Thank you, and welcome to this morning's call. I'll begin on Slide 2 of our earnings presentation, which you can find in the financial section of our Investor Relations website, investorrelations.discover.com. Our discussion today contains certain forward-looking statements that are subject to risks and uncertainties that may cause actual results to differ materially. Please refer to our notices regarding forward-looking statements that appear in our fourth quarter 2023 earnings press release and presentation.

Our call today will include remarks from our Interim CEO, John Owen; and John Greene, our Chief

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