Kristin Silberberg | EVP, IR |
Bruce Van Saun | CEO & Chairman |
John Woods | Vice Chairman & CFO |
Brendan Coughlin | Head, Consumer Banking |
Don McCree | Head, Commercial Banking |
Peter Winter | Wedbush Securities |
Erika Najarian | Bank of America |
Scott Siefers | Piper Sandler |
John Pancari | Evercore ISI |
Ken Usdin | Jefferies |
Ken Zerbe | Morgan Stanley |
Vivek Juneja | JPMorgan |
Saul Martinez | UBS |
Dave Rochester | Compass Point |
Good morning, everyone, and welcome to the Citizens Financial Group Third Quarter 2020 Earnings Conference Call. My name is Greg, and I’ll 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. [Operator Instructions] As a reminder, this event is being recorded.