Bryan Gill | Director of Investor Relations |
William Demchak | Chairman, President and Chief Executive Officer |
Robert Reilly | Chief Financial Officer |
John Pancari | Evercore Partners |
John McDonald | Bernstein |
Erika Najarian | Bank of America Merrill Lynch |
Scott Siefers | Sandler O'Neill & Partners |
Betsy Graseck | Morgan Stanley |
Gerard Cassidy | RBC Capital Markets |
Ken Usdin | Jefferies |
Kevin Barker | Piper Jaffray |
Brian Klock | Keefe, Bruyette & Woods |
Chris Kotowski | Oppenheimer & Co. |
Marty Mosby | Vining Sparks. |
Mike Mayo | Wells Fargo Securities |
Good morning. My name is Colin 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.