Bryan Gill | Executive Vice President and Director of Investor Relations |
William Demchak | Chairman, President and Chief Executive Officer |
Robert Reilly | Executive Vice President and Chief Financial Officer |
John Pancari | Evercore ISI |
Erika Najarian | Bank of America Merrill Lynch |
Betsy Graseck | Morgan Stanley |
Scott Siefers | Sandler O'Neill & Partners L.P. |
John McDonald | Autonomous Research LLP |
Matthew O'Connor | Deutsche Bank AG |
Kenneth Usdin | Jefferies LLC |
Michael Mayo | Wells Fargo Securities, LLC |
Kevin Barker | Piper Jaffray |
Gerard Cassidy | RBC Capital Markets |
Saul Martinez | UBS Investment Bank |
Good morning. My name is Tina, and I will be your conference operator today. At this time, I would like to welcome everyone to The PNC Financial Services Group Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session.