Eastern Bankshares, Inc. (NASDAQ:EBC) Q4 2023 Earnings Conference Call January 26, 2024 9:00 AM ET

Company Participants

Bob Rivers – Chairman and Chief Executive Officer

Jim Fitzgerald – Chief Financial Officer, Chief Administrative Officer and Treasurer

Conference Call Participants

Mark Fitzgibbon – Piper Sandler

Laurie Hunsicker – Seaport Research Partners

Damon DelMonte – KBW

Operator

Hello, and welcome to Eastern Bankshares Inc. Fourth Quarter 2023 Earnings Conference Call. Today’s call will include forward-looking statements, including statements about Eastern’s future financial and operating results, outlook, business strategies and plans as well as other opportunities and potential risks that management foresees. Such forward-looking statements reflect management’s current estimates or beliefs and are subject to risks and uncertainties that may cause actual results or the timing of events to differ materially from the views expressed today.

More information about such risks and uncertainties is set forth under the caption ‘forward-looking statements’ in the earnings press release as well as in the ‘Risk Factors’ section and other disclosures in the company’s periodic filings with the Securities and Exchange Commission. Any forward-looking statements made during this call represent management’s views and estimates as of today and the company undertakes no obligation to update these statements, as a result of new information or future events.

During the call, the company will also discuss both GAAP and certain non-GAAP financial measures. For a reconciliation of GAAP and non-GAAP financial measures, please refer to the company’s earnings press release, which can be found at investor.easternbank.com. Please note, this event is being recorded [Operator Instructions] Thank you.

I would now like to turn the call over to Bob Rivers, Chair and CEO. Please go ahead.

Bob Rivers

Thank you, Julie. Good morning, everyone. And thank you for joining our fourth quarter earnings call. I hope year 2024 is off to a good start. With me

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