Bryan Gill | Director of Investor Relations |
Bill Demchak | Chairman, President and Chief Executive Officer |
Rob Reilly | Executive Vice President and Chief Financial Officer |
John McDonald | Bernstein |
John Pancari | Evercore ISI |
Gerard Cassidy | RBC Capital Markets |
Ken Usdin | Jefferies |
Erika Najarian | Bank of America Merrill Lynch |
Saul Martinez | UBS |
Kevin Barker | Piper Jaffray |
Brian Klock | Keefe, Bruyette & Woods, Inc. |
Good morning. My name is Carlos, 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.