Chris Doll | IR |
Greg Carmichael | President and CEO |
Tayfun Tuzun | CFO |
Lars Anderson | COO |
Frank Forrest | Chief Risk Officer |
Jamie Leonard | Treasurer |
Geoffrey Elliott | Autonomous Research |
Ken Usdin | Jefferies |
John Pancari | Evercore |
Marty Mosby | Vining Sparks |
Peter Winter | Wedbush Securities |
Ken Zerbe | Morgan Stanley |
Erika Najarian | Bank of America |
Gerard Cassidy | RBC |
Christopher Marinac | FIG Partners |
Kevin Barker | Piper Jaffray |
Matt O’Connor | Deutsche Bank |
Good morning, my name is Chelsea and I will be your conference operator today. At this time, I would like to welcome everyone to the Fifth Third Bancorp Q4 2018 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question-and-answer session. [Operator Instructions] Thank you.