Rich Baytosh | Director of Investor Relations |
Kelly King | Chairman & Chief Executive Officer |
Daryl Bible | Chief Financial Officer |
Bill Rogers | President & Chief Operating Officer |
Chris Henson | Head of Banking and Insurance |
Clarke Starnes | Chief Risk Officer |
Gerard Cassidy | RBC |
Saul Martinez | UBS |
Matt O'Connor | Deutsche Bank |
John Pancari | Evercore ISI |
Mike Mayo | Wells Fargo Securities |
Ken Usdin | Jefferies |
Erika Najarian | Bank of America |
Brian Klock | Keefe, Bruyette & Woods |
John McDonald | Autonomous Research |
Lana Chan | BMO Capital Markets |
Stephen Scouten | Piper Sandler |
Christopher Marinac | Janney Montgomery Scott |
Greetings, ladies and gentlemen, and welcome to the Truist Financial Corporation Fourth Quarter 2019 Earnings Conference. 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.
It is now my pleasure to introduce your host, Mr.