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August 30, 2012 3:00 pm ET
Rudy Sankovic - Senior Vice President of Investor Relations
Ed Clark - Group President and Chief Executive Officer
Colleen Johnston - Group Head, Finance and Chief Financial Officer
Bharat Masrani - Group Head, U.S. Personal and CB of TD Bank Group and President, CEO of TD Bank, N.A.
Mark Chauvin - Group Head and Chief Risk Officer
Timothy Hockey - Group Head, Canadian Banking, Auto Finance and Credit Cards of TD Bank Group, President and Chief Executive Officer, TD Canada Trust
Michael Goldberg - Desjardins Securities
John Reucassel - BMO Capital Markets
Gabriel Dechaine - Credit Suisse
Peter Routledge - National Bank Financial
Robert Sedran - CIBC
Brad Smith - Stonecap Securities
Steve Theriault - Bank of America Merrill Lynch
John Aiken - Barclays Capital
Chris Mutascio - Stifel Nicolaus
Good afternoon and welcome to TD Bank Group's third quarter 2012 investor presentation. My name is Rudy Sankovic and I am the Head of Investor Relations of the bank.
We will begin today's presentation with remarks from Ed Clark, the bank's CEO, after which Colleen Johnston, the bank's CFO, will present our third quarter operating results. Mark Chauvin, Chief Risk Officer, will offer comments on credit quality, after which we will entertain questions from those present in the room and from prequalified analysts and investors on the phone.
Also present today to answer your questions are Tim Hockey, Group Head, Canadian Banking, Auto Finance and Credit Cards, Bharat Masrani, Group Head, US P&C Banking, and Mike Pedersen, Group Head, Wealth, Insurance, and Corporate Shared Services. Bob Dorrance, Group Head, Wholesale Banking, is joining us by phone today.