Dec 10, 2019 / 06:30PM GMT
Richard Nigel Ramsden - Goldman Sachs Group Inc., Research Division - MD
Going to get started. So if everybody could take their seats, I know there's going to be a few people drifting in because we're in between sessions.
But up next, I'm delighted to welcome CEO and Chairman of PNC, Bill Demchak. Bill is here for the sixth time since he's become CEO. Over the past few years, Bill has done, I think, a great job improving the efficiency ratio, the return on equity as well as delivering significant shareholder value since he's taken over as CEO.
So Bill, thank you very much for joining us.
William S. Demchak - The PNC Financial Services Group, Inc. - Chairman, President & CEO
Good to be here, Rich.
Questions and Answers:
Richard Nigel Ramsden - Goldman Sachs Group Inc., Research Division - MDSo I thought that we always start off with the same point. And I appreciate that just because the calendar year is turning over, it doesn't mean that things necessarily have to change. But can we start
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