Q4 2022 SLM Corp Earnings Call Transcript
Good day, and welcome to the 2022 4th Quarter Sallie Mae Earnings Call. (Operator Instructions) As a reminder, this call is being recorded.
I would now like to turn the call over to Melissa Bronaugh, Vice President, Investor Relations. You may begin.
Thank you, Michelle. Good morning, and welcome to Sallie Mae's Fourth Quarter 2022 Earnings Call. It is my pleasure to be here today with Jon Witter, our CEO; and Steve McGarry, our CFO. After the prepared remarks, we will open up the call for questions. Before we begin, keep in mind our discussion will contain predictions, expectations and forward-looking statements. Actual results in the future may be materially different from those discussed here. This could be due to a variety of factors. Listeners should refer to the discussion of those factors on the company's Form 10-Q and other filings with the SEC.
For Sallie Mae, these factors include, among others, the potential impact of the COVID-19 pandemic on our business, results of operations,
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