Richard Baytosh | SVP, IR |
Kelly King | Chairman & CEO |
Daryl Bible | Senior EVP & CFO |
Christopher Henson | President & COO |
Clarke Starnes | Senior EVP & Chief Risk Officer |
Lana Chan | BMO Capital Markets |
Betsy Graseck | Morgan Stanley |
John McDonald | Bernstein |
Jennifer Demba | SunTrust |
Gerard Cassidy | RBC |
Saul Martinez | UBS |
Stephen Scouten | Sandler O'Neill |
John Pancari | Evercore ISI |
Geoffrey Elliott | Autonomous Research |
Greetings, ladies and gentlemen. And welcome to the BB&T Corporation Fourth Quarter 2018 Earnings Conference Call. Currently all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation.
As a reminder, this event is being recorded.