SLMBP - SLM Corporation (SLM) Q4 2023 Earnings Call Transcript
2024-01-24 21:53:09 ET
SLM Corporation (SLM)
Q4 2023 Earnings Conference Call
January 24, 2024, 05:30 PM ET
Company Participants
Melissa Bronaugh - Investor Relations
Jon Witter - Chief Executive Officer
Pete Graham - Chief Financial Officer
Conference Call Participants
Arren Cyganovich - Citi
Moshe Orenbuch - TD Cowen
Terry Ma - Barclays
Sanjay Sakhrani - KBW
Michael Kaye - Wells Fargo
John Hecht - Jefferies
Jeff Adelson - Morgan Stanley
Vincent Caintic - Stephens
Mark DeVries - Deutsche Bank
Rick Shane - JPMorgan
Giuliano Bologna - Compass Point
Presentation
Operator
Hello, and thank you for standing by. Welcome to Sallie Mae 2023 Q4 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions]
I would now like to hand the conference over to Melissa Bronaugh. You may begin.
Melissa Bronaugh
Thank you, Towanda. Good evening, and welcome to Sallie Mae's fourth quarter 2023 earnings call. It is my pleasure to be here today with Jon Witter, our CEO; and Pete Graham, our CFO. After the prepared remarks, we will open the call for questions.
Before we begin, keep in mind our discussion will contain predictions, expectations, and forward-looking statements. Actual results in the future may be materially different from those discussed here. This could be due to a variety of factors. Listeners should refer to the discussion of those factors on the company's Form 10-Q and other filings with the SEC. For Sallie Mae, these factors include, among others, results of operations, financial conditions, and/or cash flows, as well as any potential impacts of the COVID-19 pandemic on our business.
During this conference call, we will refer to non-GAAP measures we call our core earnings. A description of core earnings, a full reconciliation to GAAP measures, and our GAAP results can be found in the earnings supplement for the quarter ended December 31, 2023. This is posted along with the earnings press release and the earnings presentation on the Investors page at salliemae.com.
Thank you. And now I will turn the call over to Jon.
Jon Witter
Thank you, Melissa and Towanda. Good evening, everyone. Thank you for joining us today to discuss Sallie Mae's fourth quarter and full year 2023 results....
SLM Corporation (SLM) Q4 2023 Earnings Call Transcript