Citizens Financial Group Inc at Goldman Sachs Financial Services Conference (Virtual) Transcript

Dec 08, 2020 / 01:40PM GMT
Ryan Matthew Nash - Goldman Sachs Group, Inc., Research Division - MD

Hi, everyone. This is Ryan Nash, the Regional Bank and Consumer Finance Analyst here at Goldman Sachs. Kicking it off for the regional banks and joining us for the sixth straight year, we are excited to once again have Citizens Financial.

Citizens has done an outstanding job managing the current downturn as its countercyclical businesses such as mortgages have offset a challenging rate environment and a challenging credit backdrop. In addition, it's continued to drive expense discipline and operating efficiency through its top 6 program, which have recently added $100 million of pretax benefits too.

Here to tell us more about the story, our Chairman and CEO, Bruce Van Saun. Today's presentation is going to be fireside chat. Just before we get started, you'll see on your screen, there's a place to submit questions. If you'd like to submit a question through the webcast, please do so, and we will try our best to ensure that gets addressed.

So first up, Bruce, thank you once again for joining us at today's

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