Bryan Gill | Director of Investor Relations |
William Demchak | Chairman, President and Chief Executive Officer |
Robert Reilly | Chief Financial Officer |
John Pancari | Evercore ISI Research |
John McDonald | Bernstein |
Erika Najarian | Bank of America Merrill Lynch |
Ken Usdin | Jefferies |
Betsy Graseck | Morgan Stanley |
Kevin Barker | Piper Jaffray |
Gerard Cassidy | RBC |
Brian Klock | Keefe, Bruyette & Woods |
Mike Mayo | Wells Fargo Securities |
Good morning. My name is Kelly and I will be your conference operator today. At this time I would like to welcome everyone to the PNC Financial Services Group 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.