Philip Smith | SVP, IR |
Brian Porter | President and CEO |
Raj Viswanathan | CFO |
Daniel Moore | Chief Risk Officer |
Dan Rees | Group Head, Canadian Banking |
Nacho Deschamps | Group Head, International Banking |
Ebrahim Poonawala | Bank of America Securities |
Gabriel Dechaine | National Bank Financial |
John Aiken | Barclays |
Mario Mendonca | TD Securities |
Doug Young | Desjardins Capital Markets |
Darko Mihelic | RBC Capital Markets |
Scott Chan | Canaccord Genuity |
Sohrab Movahedi | BMO Capital Markets |
Paul Holden | CIBC |
Mike Rizvanovic | Credit Suisse Securities Canada |
Good morning. And welcome to Scotiabank’s 2020 Fourth Quarter and Full-Year Results Presentation. My name is Philip Smith, Scotiabank’s Senior Vice President of Investor Relations. Presenting to you this morning are 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.