Bread Financial Holdings Inc at Barclays Global Financial Services Conference Transcript

Sep 12, 2023 / 07:30PM GMT
Terry Ma - Barclays Bank PLC, Research Division - Research Analyst

Okay. Welcome, everyone, and thank you for joining this afternoon. My name is Terry Ma. I'm the consumer finance analyst at Barclays. I'm very pleased to have Bread Financial with us today. From the company, we have Ralph Andretta, the President and CEO. We have Perry Beberman, the Chief Financial Officer; and we have Valerie Greer, the Chief Commercial Officer.

So the format of this will be a short presentation by Bread and then we are going to go to a fireside chat format. So I'll just turn it over to Ralph.

Ralph J. Andretta - Bread Financial Holdings, Inc. - President, CEO & Director

Terry, thank you, and thank you all for coming to the closing act today in initial room. I appreciate it very much. I'm with -- as Terry said, I'm with Perry Beberman, our CFO; and Val Greer, our Chief Commercial Officer. We have some prepared remarks, and then we're happy to take questions during the fireside chat.

So I'd like to start on Slide 3. So regarding the U.S. economy, we're

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