Kristin Silberberg | Executive Vice President, Investor Relations |
Bruce Van Saun | Chairman & Chief Executive Officer |
John Woods | Chief Financial Officer |
Brendan Coughlin | Head, Consumer Banking |
Don McCree | Head, Commercial Banking |
Scott Siefers | Piper Sandler |
Erika Najarian | UBS |
Matthew O'Connor | Deutsche Bank |
Ebrahim Poonawala | Bank of America |
Gerard Cassidy | RBC Capital Markets |
Brian Wilczynski | Morgan Stanley |
Kenneth Usdin | Jefferies |
John Pancari | Evercore ISI |
Good morning, everyone, and welcome to the Citizens Financial Group Third Quarter 2022 Earnings Conference Call. My name is Alan, 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.