SLM Corporation (SLM) Q3 2022 Earnings Call Transcript

Oct. 27, 2022 6:27 PM ETSLM Corporation (SLM), SLMBP
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SLM Corporation (NASDAQ:SLM) Q3 2022 Earnings Conference Call October 27, 2022 8:00 AM ET

Company Participants

Brian Cronin - VP, IR

Jon Witter - CEO

Steve McGarry - EVP & CFO

Conference Call Participants

Sanjay Sakhrani - KBW

Rick Shane - JPMorgan

Jeff Adelson - Morgan Stanley

Moshe Orenbuch - Credit Suisse

Operator

Good day and welcome to the 2022 Third Quarter Sallie Mae Earnings Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Instructions will be given at that time. As a reminder, this call is being recorded.

I would now like to turn the call over to Brian Cronin, Vice President, Investor Relations. You may begin.

Brian Cronin

Thank you, Michelle. Good morning, and welcome to Sallie Mae’s third quarter 2022 earnings call. It is my pleasure to be here today with Jon Witter, our CEO; and Steve McGarry, our CFO. After the prepared remarks, we will open up 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, the potential impacts of the COVID-19 pandemic on our business, results of operation, financial conditions and/or cash flows.

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 Form 10-Q for the quarter ended September 30, 2022. This is posted along with the earnings press release on the Investors

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