Comerica Incorporated (NYSE:CMA) Q4 2024 Earnings Conference Call January 22, 2025 8:00 AM ET

Company Participants

Kelly Gage - Director, IR
Curt Farmer - President, Chairman & CEO
Jim Herzog - CFO
Peter Sefzik - Chief Banking Officer
Melinda Chausse - Senior EVP, Chief Credit Officer

Conference Call Participants

Jon Arfstrom - RBC Capital Markets
Manan Gosalia - Morgan Stanley
John Pancari - Evercore ISI
Bernard Von Gizycki - Deutsche Bank
Anthony Elian - JPMorgan Chase
Chris McGratty - KBW

Operator

Greetings, and welcome to the Comerica Fourth Quarter and Fiscal Year 2024 Financial Review Conference Call. At this time, all participants will be in listen-only mode. A question-and-answer session will follow the formal presentation.

[Operator Instructions] As a reminder, this conference is being recorded. At this time, it is now my pleasure to introduce Kelly Gage, Director of Investor Relations. Thank you, Kelly. You may now begin.

Kelly Gage

Thanks, Rob. Good morning, and welcome to Comerica's fourth quarter fiscal year 2024 earnings conference call. Participating on this call will be our President, Chairman and CEO, Curt Farmer; Chief Financial Officer, Jim Herzog; Chief Credit Officer, Melinda Chausse; and Chief Banking Officer, Peter Sefzik. During this presentation, we will be referring to slides, which provide additional details. The presentation slides and our press release are available on the SEC's website, as well as in the Investor Relations section of our website, comerica.com.

The presentation and this conference call contain forward-looking statements. And in that regard, you should be mindful of the risks and uncertainties that can cause actual results to differ materially from expectations. Forward-looking statements speak only as of the date of this presentation, and we undertake no obligation to update any forward-looking statements. Please refer to the Safe Harbor statement in today's earnings presentation on Slide 2. Also, the presentation and this conference call