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John McCartney: Good morning, and welcome to Scotiabank s 2022 Fourth Quarter Results Presentation. My name is John McCartney. I m Head of Investor Relations here at the bank.

United statesSuraj viswanathanDan reesEbrahim poonawalaGlen gowlandPhil thomasBrian porterPressmaster shutterstockJohn mccartneyJake lawrencePacific alliance wealth managementGreat place to work instituteInternational bankScotiabank women initiativeYour business bankInvestment bank