Bruce Van Saun | Chairman, CEO |
John Woods | CFO |
Brad Conner | Head of Consumer Banking |
Don McCree | Head of Commercial Banking |
Ellen Taylor | Head of IR |
Matt O'Connor | Deutsche |
Ken Usdin | Jefferies |
Peter Winter | Wedbush Securities |
Scott Siefers | Sandler O'Neill |
Erika Najarian | Bank of America |
Saul Martinez | UBS |
Brian Foran | Autonomous |
John Pancari | Evercore |
Ken Zerbe | Morgan Stanley |
Gerard Cassidy | RBC |
Good morning everyone and welcome to the Citizens Financial Group Fourth Quarter and Full Year 2019 Earnings Conference Call. My name is Brad and I will be your operator 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.