Zions Bancorporation, National Association (NASDAQ:ZION) Q4 2022 Earnings Conference Call January 23, 2023 5:30 PM ET Company Participants James Abbott - Director, IR Harris Simmons - Chairman and CEO Paul Burdiss - CFO Scott McLean - President and COO Michael Morris - Chief Credit Officer Conference Call Participants Manan Gosalia - Morgan Stanley Ebrahim Poonawala - Bank of America John Pancari - Evercore ISI Chris McGratty - KBW Peter Winter - D.A. Davidson Ken Usdin - Jefferies Operator Greetings, and w ...