Bryan Gill | Director of IR |
Bill Demchak | Chairman, President and CEO |
Rob Reilly | EVP and CFO |
Betsy Graseck | Morgan Stanley |
Bill Carcache | Wolfe Research |
Mike Mayo | Wells Fargo Securities |
John Penn Carey | Evercore ISI |
Scott Siefers | Piper Sandler |
Gerard Cassidy | RBC |
Terry McEvoy | Stephens Inc. |
Good morning. My name is Pama, 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.