Chris Doll | Director, IR |
Greg Carmichael | CEO |
Timothy Spence | President |
James Leonard | CFO |
Richard Stein | Chief Credit Officer |
John Pancari | Evercore |
Erika Najarian | UBS |
Ken Usdin | Jefferies |
Gerard Cassidy | RBC |
Bill Carcache | Wolfe Research |
Mike Mayo | Wells Fargo |
Matt O'Connor | Deutsche Bank |
Good day. Thank you for standing by, and welcome to the Fifth Third Bancorp Fourth Quarter 2021 Earnings Conference Call. At this time, all participants are in listen-only mode. After the speakers’ presentation, there will be a question-and-answer session. [Operator Instructions] Thank you.