Bryan Gill | Director of Investor Relations |
Bill Demchak | Chairman, President and Chief Executive Officer |
Rob Reilly | Executive Vice President and Chief Financial Officer |
John Pancari | Evercore ISI |
Betsy Graseck | Morgan Stanley |
John McDonald | Autonomous Research |
Erika Najarian | Bank of America |
Ken Usdin | Jefferies |
Kevin Barker | Piper Jaffray |
Gerard Cassidy | RBC |
Good morning. My name is Silvana, 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.