Ellen Taylor | IR |
Bruce Van Saun | Chairman and CEO |
John Woods | CFO |
Brad Conner | Head of Consumer Banking |
Donald McCree | Head of Commercial Banking |
Matt O'Connor | Deutsche Bank |
Peter Winter | Wedbush Securities |
Saul Martinez | UBS |
Brian Klock | Keefe Bruyette & Woods |
Kenneth Zerbe | Morgan Stanley |
Scott Siefers | Sandler O'Neill Partners |
Erika Najarian | Bank of America |
Lana Chan | BMO Capital Markets |
Gerard Cassidy | RBC |
John Pancari | Evercore |
Kevin Barker | Piper Jaffray |
Good morning everyone, and welcome to the Citizens Financial Group Third Quarter 2018 Earnings Conference call. My name is Brad, and I’ll be your operator on the call today. Currently all participants are in a listen-only mode.
Following the presentation, we will conduct a brief question-and-answer session.
As a reminder, this conference is being recorded.