Q4 2019 Bank of Montreal Earnings Call Transcript
Good morning, and welcome to the BMO Financial Group's Q4 2019 Earnings Release and Conference Call for December 3, 2019. Your host for today is Ms. Jill Homenuk, Head of Investor Relations. Ms. Homenuk, please go ahead.
Thank you. Good morning, and thanks for joining us today. Our agenda for today's investor presentation is as follows. We will begin the call with remarks from Darryl White, BMO's CEO; followed by presentations from Tom Flynn, the Bank's Chief Financial Officer; and Pat Cronin, our Chief Risk Officer. Darryl will then provide some outlook comments before we move on to the question-and-answer period. We have with us today Cam Fowler from Canadian P&C; and Dave Casper from U.S. P&C. Dan Barclay is here for BMO Capital Markets; and Joanna Rotenberg is here for BMO Wealth Management.
During the question-and-answer period, we will take questions from prequalified analysts. To give everyone an opportunity to participate, please keep it to one question. On behalf of those speaking today, I
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