 The PNC Financial Services Group, Inc. NYSE:PNC Q4 2022 Results Conference Call January 18, 2023 9:00 AM ET Company Participants Bryan Gill - SVP, Director-IR Bill Demchak - Chairman, President CEO Rob Reilly - EVP, CFO Conference Call Participants John Pancari - Evercore John McDonald - Autonomous Research Gerard Cassidy - RBC Bill Carcache - Wolfe Research Betsy Graseck - Morgan Stanley Ken Usdin - Jefferies Mike Mayo - Wells Fargo Securities Ebrahim Poonawala - Bank of America Matt OConor - Deutsche Bank Vivek Juneja - JPMorgan Bryan Gill Good morning. Welcome to todays conference call for the PNC Financial Services Group. 