Ellen Taylor | Head, IR & EVP |
Bruce Van Saun | Chairman, President & CEO |
John Woods | EVP & CFO |
Brad Conner | Vice Chairman, Consumer Banking |
Donald McCree | Vice Chairman & Head, Commercial Banking Division |
Robert Siefers | Sandler O'Neill + Partners |
Erika Najarian | Bank of America Merrill Lynch |
Matthew O'Connor | Deutsche Bank |
Geoffrey Elliott | Autonomous Research |
Kenneth Zerbe | Morgan Stanley |
Gerard Cassidy | RBC Capital Markets |
John Pancari | Evercore ISI |
Marlin Mosby | Vining Sparks |
Lana Chan | BMO Capital Markets |
Peter Winter | Wedbush Securities |
Saul Martinez | UBS Investment Bank |
Good morning, everyone, and welcome to the Citizens Financial Group Fourth Quarter and Full Year 2018 Earnings Conference Call. My name is Brad, and I'll be your operator on the call today. [Operator Instructions].
As a reminder, this event is being recorded.
Now I'll turn the call over to Ellen Taylor, Head of Investor Relations.