U.S. Bancorp (NYSE:USB) Q4 2024 Earnings Call Transcript January 16, 2025 9:00 AM ET

Company Participants

George Andersen - SVP and Director of IR
Andy Cecere - Chairman and CEO
John Stern - Senior EVP and CFO
Gunjan Kedia - President

Conference Call Participants

Scott Siefers - Piper Sandler
John McDonald - Truist Securities
Betsy Graseck - Morgan Stanley
Ebrahim Poonawala - Bank of America
Erika Najarian - UBS
John Pancari - Evercore ISI
Mike Mayo - Wells Fargo Securities
Matt O'Connor - Deutsche Bank
David Long - Raymond James
Vivek Juneja - JPMorgan
Bill Carcache - Wolfe Research
Saul Martinez - HSBC

Operator

Welcome to the U.S. Bancorp Fourth Quarter 2024 Earnings Conference Call. Following a review of the results, there will be a formal question-and-answer session. [Operator Instructions] This call will be recorded and available for replay beginning today at approximately 11 AM Central Time. I will now turn the conference over to George Andersen, Senior Vice President and Director of Investor Relations for U.S. Bancorp. Please go ahead.

George Andersen

Thank you, Audra, and good morning, everyone. Today I'm joined by our Chairman and CEO, Andy Cecere; President, Gunjan Kedia; Vice Chair and CAO, Terry Dolan; and Senior Executive Vice President and CFO, John Stern. In a moment, Andy and John will be referencing a slide presentation together with their prepared remarks. A copy of the presentation, our press release, and all supplemental consolidated schedules can be found on our website at ir.usbank.com.

Please note that any forward-looking statements made during today's call are subject to risk and uncertainty. Factors that could materially change our current forward-looking assumptions are described on Page 2 of today's earnings release presentation, our press release, and in reports on file with the SEC. Following our prepared remarks this morning, we will be happy to take any