Jennifer Piepszak | Chief Financial Officer |
James Dimon | Chairman and Chief Executive Officer |
Kenneth Usdin | Jefferies |
Saul Martinez | UBS Investment Bank |
Erika Najarian | Bank of America Merrill Lynch |
Michael Mayo | Wells Fargo Securities |
Betsy Graseck | Morgan Stanley |
Matthew O'Connor | Deutsche Bank |
Gerard Cassidy | RBC Capital Markets |
Steven Chubak | Wolfe Research, LLC |
Brian Kleinhanzl | KBW |
Glenn Schorr | Evercore ISI |
Marlin Mosby | Vining Sparks |
Andrew Lim | Societe Generale |
Alison Williams | Bloomberg Intelligence |
Good morning, ladies and gentlemen. Welcome to JPMorgan Chase's Fourth Quarter 2019 Earnings Call. This call is being recorded. [Operator Instructions] At this time, I would like to turn the call over to JPMorgan Chase's Chairman and CEO, Jamie Dimon; and Chief Financial Officer, Jennifer Piepszak. Piepszak, please go ahead.