Q4 2023 National Bank of Canada Earnings Call Transcript
Good morning, ladies and gentlemen, and welcome to National Bank of Canada's Fourth Quarter Results Conference Call. I would now like to turn the meeting over to Madam Marianne Ratté, Vice President and Head Investor Relations. Please go ahead, Madam Ratté.
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(foreign language), and good morning, everyone. We will begin the call with remarks from Laurent Ferreira, President and CEO; Marie Chantal Gingras, CFO; and Bill Bonnell, Chief Risk Officer. Also present for the Q&A session are Lucie Blanchet, Head of Personal Banking and Client Experience; Michael Denham, Head of Commercial and Private Banking; Nancy Pacquet, Head of Wealth Management as of November 1; Etienne Dubuc, Head of Financial Markets, also responsible for Credigy; and Stéphane Achard, Head of International, responsible for ABA Bank.
Before we begin, I would like to refer you to Slide 2 of our presentation for information on forward-looking statements and non
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