Geoff Weiss | Senior Vice President, Investor Relations |
Victor Dodig | President & Chief Executive Officer |
Hratch Panossian | Senior Executive Vice-President & Chief Financial Officer |
Shawn Beber | Senior Executive Vice-President, Chief Risk Officer |
Mike Capatides | Senior Executive Vice-President & Group Head, US Region; President & CEO, CIBC Bank USA |
Harry Culham | Senior Executive Vice President & Group Head, Capital Markets & Direct Financial Services |
Laura Dottori Attanasio | Senior Executive Vice President & Group Head, Personal & Business Banking Canada |
Jon Hountalas | Senior Executive Vice President & Group Head, Commercial Banking & Wealth Management-Canada |
Ebrahim Poonawala | Bank of America |
Scott Chan | Canaccord Genuity |
Meny Grauman | Scotiabank |
Gabriel Dechaine | National Bank Financial |
Mario Mendonca | TD Securities |
Lemar Persaud | Cormark Securities |
Sohrab Movahedi | BMO Capital Markets |
Nigel D'Souza | Veritas Investments |
Doug Young | Desjardin Capital Markets |
Good morning. Welcome to the CIBC Quarterly Financial Results Call. Please be advised that this call is being recorded. I would like to turn the meeting over to Geoff Weiss, Senior Vice President, Investor Relations. Please go ahead, Geoff.