Kristin Silberberg | executive |
Bruce Van Saun | executive |
John Woods | executive |
L. Erika Penala | analyst |
Robert Siefers | analyst |
Peter Winter | analyst |
Donald McCree | executive |
Brendan Coughlin | executive |
Kenneth Usdin | analyst |
Manan Gosalia | analyst |
Matthew O'Connor | analyst |
Vivek Juneja | analyst |
Good morning, everyone, and welcome to the Citizens Financial Group Third Quarter 2023 Earnings Conference Call. My name is Greg, and I'll be your operator today. [Operator Instructions] As a reminder, this event is being recorded.
Now I'll turn the call over to Kristin Silberberg, Executive Vice President, Investor Relations. Kristin, you may begin.