John Campbell | Director, IR |
Charlie Scharf | CEO & President |
John Shrewsberry | CFO |
Erika Najarian | Bank of America |
John McDonnell | Autonomous Research |
Scott Siefers | Piper Sandler |
Betsy Graseck | Morgan Stanley |
Ken Usdin | Jefferies |
Saul Martinez | UBS |
Steven Chubak | Wolfe Research |
Matt O'Connor | Deutsche Bank |
John Pancari | Evercore ISI |
Brian Kleinhanzl | KBW |
Chris Kotowski | Oppenheimer & Company |
Vivek Juneja | JPMorgan |
Charles Peabody | Portales |
Gerard Cassidy | RBC Capital Markets |
Good morning. My name is Regina, and I will be your conference operator today. At this time, I would like to welcome everyone to the Wells Fargo Second Quarter 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 [Operator Instructions].