David McKay | President and CEO |
Nadine Ahn | Head of Investor Relations |
Rod Bolger | Chief Financial Officer |
Graeme Hepworth | Chief Risk Officer |
Neil McLaughlin | Group Head Personal and Commercial Banking |
Doug Guzman | Group Head Wealth Management Insurance in INTS |
Derek Neldner | Group Head, Capital Markets |
Ebrahim Poonawala | Bank of America |
Meny Grauman | Scotiabank |
Scott Chan | Canaccord Genuity |
Sohrab Movahedi | BMO Capital Markets |
Gabriel Dechaine | National Bank Financial |
Doug Young | Desjardins Capital Markets |
Lemar Persaud | Cormark Securities |
Mario Mendonca | TD Securities |
Ebrahim Poonawala | Bank of America |
Nigel D'Souza | Veritas Investment Research |
Please standby, your meeting is about to begin. Good morning, ladies and gentlemen. Welcome to the RBC's Conference Call for the Third Quarter 2021 financial results. Please be advised that this call is being recorded. I would like to turn the meeting over to Nadine Ahn, Head of Investor Relations.