John McCartney | Head of Investor Relations |
Brian Porter | President & Chief Executive Officer |
Raj Viswanathan | Chief Financial Officer |
Phil Thomas | Chief Risk Officer |
Dan Rees | Group Head, Canadian Banking |
Glen Gowland | Group Head, Global Wealth Management |
Nacho Deschamps | Group Head, International Banking and Digital Transformation |
Jake Lawrence | CEO, Group Head, Global Banking and Markets |
Ebrahim Poonawala | Bank of America |
Gabriel Dechaine | National Bank Financial |
John Aiken | Barclays |
Doug Young | Desjardins Capital Markets |
Paul Holden | CIBC |
Mario Mendonca | TD Securities |
Scott Chan | Canaccord Genuity |
Lemar Persaud | Cormark Securities |
Sohrab Movahedi | BMO Capital Markets |
Darko Mihelic | RBC Capital Markets |
Good morning. And welcome to Scotiabank's 2021 Fourth Quarter Results Presentation. My name is John McCartney, I'm Head of Investor Relations here at Scotiabank. Presenting to you this morning are Brian Porter, Scotiabank's President and Chief Executive Officer; Raj Viswanathan, our Chief Financial Officer; and Phil Thomas, Chief Risk Officer.
Following our comments, we will be glad to take your questions.