Nadine Ahn | Head of Investor Relations |
Dave McKay | President, Chief Executive Officer |
Rod Bolger | Chief Financial Officer |
Graeme Hepworth | Chief Risk Officer |
Neil McLaughlin | Group Head of Personal & Commercial Banking |
Ebrahim Poonawala | Bank of America Securities |
John Aiken | Barclays |
Gabriel Dechaine | National Bank Financial |
Meny Grauman | Scotiabank |
Scott Chan | Canaccord Genuity |
Doug Young | Desjardins Capital Markets |
Mario Mendonca | TD Securities |
Sohrab Movahedi | BMO Capital Markets |
Lemar Persaud | Cormark Securities |
Mike Rizvanovic | Credit Suisse |
Paul Holden | CIBC |
Good morning, ladies and gentlemen. Welcome to RBC's conference call for the fourth quarter 2020 financial results. Please be advised that this call is being recorded. I would now like to turn the meeting over to Nadine Ahn, Head of Investor Relations. Please go ahead, Ms.