Northwest Bancshares, Inc. (NASDAQ:NWBI) Q4 2024 Earnings Conference Call January 24, 2025 10:00 AM ET

Company Participants

Michael Perry - Managing Director, Corporate Strategy and Development and Investor Relations
Louis Torchio - President and CEO
Doug Schosser - Chief Financial Officer
Thomas Creal - Chief Credit Officer

Conference Call Participants

Tim Switzer - KBW
Daniel Tamayo - Raymond James
Matthew Breese - Stephens, Inc.
Daniel Cardenas - Janney Montgomery Scott

Operator

Good morning, thank you for joining us, and welcome to Northwest Bancshares Fourth Quarter 2024 Earnings Call. This session is being recorded, and a playback will be available on our Investor Relations website. All participants are currently in listen-only mode. Towards the end of today's call, we will open the floor for a question-and-answer session.

Now I would like to introduce Michael Perry, who recently joined Northwest as Managing Director of Corporate Strategy and Development and Investor Relations.

Michael Perry

Good morning, everyone, and thank you, operator. Welcome to Northwest Bancshares fourth quarter 2024 earnings call. It's great to be here. Joining me today are Louis Torchio, President and CEO of Northwest Bancshares; Doug Schosser, our Chief Financial Officer; Sean Morrow, our Treasurer; and TK Creal, our Chief Credit Officer.

During this call, we will refer to information included in the supplemental earnings release presentation, which is available on our Investor Relations website. If you'd like to read our forward-looking and other related disclosures, you can find them on Slide 2. Thank you.

And now, I'll hand it over to Lou.

Louis Torchio

Good morning, everyone. Thanks for joining us to discuss our quarterly results.

I'm pleased to report that we delivered solid returns in the fourth quarter, and we're happy with our core financial performance, which Doug will cover momentarily. In particular, last quarter, we saw a significant improvement in our net interest