Phil Smith | Senior Vice President of Investor Relations |
Brian Porter | President and Chief Executive Officer |
Raj Viswanathan | Executive Vice President and Chief Financial Officer |
Daniel Moore | Chief Risk Officer |
James O’Sullivan | Group Head, Canadian Banking |
Ignacio Nacho Deschamps | Group Head, International Banking and Digital Transformation |
Dieter Jentsch | Group Head, Global Banking and Markets |
Robert Sedran | CIBC World Markets |
Meny Grauman | Cormark Securities |
Steve Theriault | Eight Capital |
Doug Young | Desjardins Securities |
Darko Mihelic | RBC Capital Markets |
Ebrahim Poonawala | Bank of America, Merrill Lynch |
Gabriel Dechaine | National Bank Financial |
Scott Chan | Canaccord Genuity |
Sohrab Movahedi | BMO Capital Markets |
Good morning, and welcome to Scotiabank’s 2018 Year-End and Fourth Quarter Results Presentation. My name is Phil Smith, Senior Vice President of Investor Relations. Presenting to you this morning is Brian Porter, Scotiabank’s President and Chief Executive Officer; Raj Viswanathan, our Chief Financial Officer; and Daniel Moore, our Chief Risk Officer.
Following our comments, we will be glad to take your questions. Also present to take questions today are Scotiabank’s business line group heads: James O’Sullivan from Canadian Banking; Nacho Deschamps from International Banking; and Dieter Jentsch from Global Banking and Markets.