Bryan Gill | Director of Investor Relations |
Bill Demchak | Chairman, President and CEO |
Rob Reilly | Executive Vice President and CFO |
Betsy Graseck | Morgan Stanley |
John McDonald | Autonomous Research |
Scott Siefers | Piper Sandler |
Erika Najarian | Bank of America |
Ken Usdin | Jefferies |
Mike Mayo | Wells Fargo Securities |
Gerard Cassidy | RBC |
Matt O'Connor | Deutsche Bank |
Bill Carcache | Wolfe Research |
Good morning. My name is Frank, 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.