Royal Bank of Canada (RY) F3Q12 Earnings Call August 30, 2012 7:30 a.m. ET Executives Gordon Nixon - President and Chief Executive Officer Morten Friis - Chief Risk Officer Janice Fukakusa -Chief Administrative Officer and Chief Financial Officer George Lewis- Head of Wealth Management Doug McGregor - Chairman and Co-CEO, Capital Markets Dave McKay - Head of Canadian Banking Mark Standish - President and Co-CEO, Capital Markets Jim Westlake - Head of International Banking and Insurance Zabeen Hirji - Chief Human Resources Officer Amy Cairncross - VP & Head, Investor Relations Analysts Rob Sedran - CIBC Gabriel Dechaine - Credit Suisse Peter Routledge - National Bank Financial Darko Mihelic - Cormark Securities Michael Goldberg - Desjardins Securities John Reucassel - BMO Nesbitt Burns Cheryl Pate - Morgan Stanley PresentationOperator
Good morning, ladies and gentlemen. Welcome to the RBC 2012 Third Quarter Results Conference Call. I would now like to turn the meeting over to Ms. Amy Cairncross, Head of Investor Relations. Please go ahead, Ms. Cairncross. Amy Cairncross Good morning, and thank you for joining us. Presenting to you this morning are Gord Nixon, our CEO; Morten Friis, our Chief Risk Officer; and Janice Fukakusa, our Chief Administrative Officer and CFO. Following their comments, we will open the call for questions from analysts. The call is one hour long and will end at 8.30. To give everyone a chance to participate, please keep it to one question and then re-queue. We will be posting management's remarks on our website shortly after the call.