Conference Call Participants
John McDonald – Truist Securities, Inc., Research Division
John Pancari – Evercore ISI Institutional Equities, Research Division
Kenneth Usdin – Bernstein Autonomous LLP
Ebrahim Poonawala – BofA Securities, Research Division
Michael Mayo – Wells Fargo Securities, LLC, Research Division
Saul Martinez – HSBC Global Investment Research
Gerard Cassidy – RBC Capital Markets, Research Division
L. Erika Penala – UBS Investment Bank, Research Division
Betsy Graseck – Morgan Stanley, Research Division
Christopher McGratty – Keefe, Bruyette, & Woods, Inc., Research Division
Matthew O’Connor – Deutsche Bank AG, Research Division
Vivek Juneja – JPMorgan Chase & Co, Research Division
Robert Siefers – Piper Sandler & Co., Research Division
Presentation
Operator
Welcome to the U.S. Bancorp’s Third Quarter 2025 Earnings Conference Call. [Operator Instructions] This call will be recorded and available for replay beginning today at approximately 11:00 a.m. Central Time.
I will now turn the conference over to George Andersen, Director of Investor Relations for U.S. Bancorp.
George Andersen
Senior VP & Director of Investor Relations
Thank you, [ John-Louis ], and good morning, everyone. Joining me today in Minneapolis is our Chief Executive Officer, Gunjan Kedia, and Vice Chair and CFO, John Stern. In a moment, Gunjan and John will reference a slide presentation together with their prepared remarks. A copy of the presentation, our press release and all supplemental consolidated schedules are available on our website at ir.usbank.com.
Please note that any forward-looking statements made during today’s call are subject to risks and uncertainties that can cause our actual results to differ materially from our current expectations. These factors are described on Page 2 of today’s earnings presentation in our
