Bryan Gill | EVP, Director, IR |
William Demchak | Chairman, President & CEO |
Robert Reilly | EVP & CFO |
John McDonald | Autonomous Research |
Erika Najarian | Bank of America Merrill Lynch |
Robert Siefers | Piper Sandler & Co. |
John Pancari | Evercore ISI |
Gerard Cassidy | RBC Capital Markets |
Kenneth Usdin | Jefferies |
Matthew O'Connor | Deutsche Bank |
Saul Martinez | UBS Investment Bank |
Good morning. My name is Dina, and I will be your conference operator for today. At this time, I would like to welcome everyone to The PNC Financial Services Group earnings Conference call. [Operator Instructions].
As a reminder, this call is being recorded, Wednesday, January 15, 2020.