Q4 2019 Citizens Financial Group Inc Earnings Call Transcript

Jan 17, 2020 / 02:00PM GMT
Operator

Good morning, everybody, and welcome to the Citizens Financial Group Fourth Quarter and Full Year 2019 Earnings Conference Call. My name is Brad, and I'll be your operator on the call today. (Operator Instructions) As a reminder, this conference is being recorded.

I'd now like to turn the call over to Ellen Taylor, Head of Investor Relations. Ellen, you may begin.

Ellen A. Taylor - Citizens Financial Group, Inc. - Head of IR

Thanks, Brad. And happy new decade to everyone. We're really pleased to have you join us. First, this morning, our Chairman and CEO, Bruce Van Saun; and CFO, John Woods, will provide an overview of our results and our outlook, and will reference our presentation, which you can find at investor.citizensbank.com. And then we'll be happy to take questions. I'd also like to mention that Brad Conner, Head of Consumer Banking; and Don McCree, Head of Commercial Banking, are here to help us with that.

And now for some additional quick housekeeping. Our comments today will include forward-looking statements, which are subject to

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