Kristin Silberberg | Executive Vice President, Investor Relations |
Bruce Van Saun | Chairman & Chief Executive Officer |
John Woods | Chief Financial Officer |
Don McCree | Head, Commercial Banking |
Brendan Coughlin | Head, Consumer Banking |
Scott Siefers | Piper Sandler |
Peter Winter | D.A. Davidson & Co. |
Kenneth Usdin | Jefferies |
John Pancari | Evercore ISI |
Manan Gosalia | Morgan Stanley |
Vivek Juneja | JPMorgan |
Good morning, everyone, and welcome to the Citizens Financial Group Fourth Quarter and Full Year 2022 Earnings Conference Call. My name is Keeley, 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.