Kristin Silberberg | Executive Vice President, Investor Relations |
Bruce Van Saun | Chairman & Chief Executive Officer |
John Woods | Vice Chairman & Chief Financial Officer |
Don McCree | Head, Commercial Banking |
Brendan Coughlin | Head, Consumer Banking |
Scott Siefers | Piper Sandler |
Matt O'Connor | Deutsche Bank |
Erika Najarian | Bank of America |
John Pancari | Evercore ISI |
Gerard Cassidy | RBC Capital Markets |
Amanda Larsen | Jefferies |
Ken Zerbe | Morgan Stanley |
Saul Martinez | UBS |
Bill Carcache | Wolfe Research |
Good morning, everyone and welcome to the Citizens Financial Group Fourth Quarter and Full Year 2020 Earnings Conference Call. My name is Alan, and I'll be your operator for 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 event is being recorded.