Bread Financial Holdings Inc at UBS Financial Services Conference Transcript
Thank you everyone for joining. I'm, Nick Holoco, the consumer finance and midcap Bank analyst here at UBS, and I'm pleased to welcome Perry Bieberman, Chief Financial Officer of Bread Financial, which is one of the largest credit card issuers, primarily focused on private label, co-brand, and general purpose credit cards. Perry, it's great to have you here, so thank you for joining us.
Thank you for having me.
Maybe to get us started this afternoon. Let me start by asking about the state of the consumer through the lens of bread. We've heard a lot this week about the K-shaped economy and how consumers have been managing through this inflationary environment over the past few years. So what have you observed over the past year or so in the health of consumers in your portfolio, and what are you starting to see, if any changes at the margin?
Yeah, I think when we look at the consumer who we serve, we really serve
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