Santander Consumer USA Holdings Inc. (SC) Q4 2019 Earnings Conference Call January 29, 2020 9:00 AM ET
Company Participants
Evan Black - VP, IR
Mahesh Aditya - President & CEO
Fahmi Karam - CFO
Conference Call Participants
Moshe Orenbuch - Credit Suisse
John Hecht - Jefferies
Steven Kwok - KBW
Arren Cyganovich - Citi
John Rowan - Janney
Jeff Adelson - Morgan Stanley
Kevin Barker - Piper Sandler
Vincent Caintic - Stephens
Rob Wildhack - Autonomous Research
Operator
Good morning, and welcome to the Santander Consumer USA Holdings Fourth Quarter 2019 Earnings Conference Call. At this time, all parties have been placed in listen-only mode. Following today’s presentation, the floor will be opened for your questions. [Operator Instructions] It is now my pleasure to introduce your host, Evan Black, Head of Investor Relations. Evan, the floor is yours.
Evan Black
Thanks Nicole. Good morning and thank you for joining the call everyone. On the call today we have Mahesh Aditya, President and Chief Executive Officer, and Fahmi Karam, Chief Financial Officer.
Certain statements made today maybe forward-looking. Please refer to our public SEC filings and Risk Factors with respect to those statements. We may also reference certain non-GAAP financial measures that we believe will be useful for investors and a reconciliation of those measures to U.S. GAAP is included in the 8-K issued today, January 29, 2020.
With that, I'll turn it over to our CEO, Mahesh.
Mahesh Aditya
Thank you and good morning everybody. I want to start by saying how honored I am to be appointed President and CEO of Santander Consumer. I joined Santander in 2017, serving as the Chief Operating Officer and most recently as the Chief Risk Officer of Santander U.S. In each of these roles and as a board member of Santander Consumer, I was significantly involved in the
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