Bryan Gill | EVP, Director, IR |
William S. Demchak | Chairman, President, & CEO |
Robert Q. Reilly | CFO |
John Pancari | Evercore ISI |
Scott Siefers | Piper Sandler |
Erika Najarian | Bank of America Merrill Lynch |
Ken Usdin | Jefferies |
Matt O’Connor | Deutsche Bank |
Gerard Cassidy | RBC Capital Markets |
John McDonald | Autonomous Research |
Brent Erensel | Portales Partners |
Saul Martinez | UBS |
Brian Klock | Keefe, Bruyette & Woods |
Good morning. My name is Carlos, 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.