Ryan Richards | Director, IR |
Kelly King | Chairman and CEO |
Daryl Bible | CFO |
Bill Rogers | President and COO |
Chris Henson | Head, Banking and Insurance |
Clarke Starnes | Chief Risk Officer |
Ken Usdin | Jefferies |
Michael Rose | Raymond James |
Gerard Cassidy | RBC |
John Pancari | Evercore ISI |
Betsy Graseck | Morgan Stanley |
Mike Mayo | Wells Fargo |
Saul Martinez | UBS |
Greetings, ladies and gentlemen, and welcome to the Truist Financial Corporation Third Quarter 2020 Earnings Conference. Currently, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation.
As a reminder, this event is being recorded. It is now my pleasure to introduce your host, Mr.