Christopher Doll | Director, IR |
Gregory Carmichael | Chairman, President & CEO |
Tayfun Tuzun | EVP & CFO |
Richard Stein | Chief Credit Officer |
James Leonard | EVP & Chief Risk Officer |
Saul Martinez | UBS Investment Bank |
Matthew O'Connor | Deutsche Bank |
Erika Najarian | Bank of America Merrill Lynch |
John Pancari | Evercore ISI |
Gerard Cassidy | RBC Capital Markets |
Vivek Juneja | JPMorgan Chase & Co. |
Robert Siefers | Piper Sandler & Co. |
Ladies and gentlemen, thank you for standing by. Welcome to the Fifth Third Bancorp 1Q '20 Earnings Call. [Operator Instructions]. Thank you. I would now like to hand the conference over to your host, Mr.