Kristin Silberberg | executive |
Bruce Van Saun | executive |
John Woods | executive |
Robert Siefers | analyst |
Matthew O'Connor | analyst |
Brendan Coughlin | executive |
John Pancari | analyst |
Donald McCree | executive |
L. Erika Penala | analyst |
Manan Gosalia | analyst |
Good morning, everyone, and welcome to the Citizens Financial Group Third Quarter 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.