U.S. Bancorp at Goldman Sachs U.S. Financial Services Conference Transcript
Okay. So if everybody can take their seats, we're going to get started. I'd like to welcome our next panelist, which are Chairman and CEO of USB, Andy Cecere, and CFO, Terry Dolan. I think USB needs little introduction. It's obviously had very, very good and very consistent performance over the years. Between Andy and Terry, they have almost 6 decades of experience at USB. And since Andy's been the CEO that the return on equity has averaged 500 to 600 basis points above the industry average. I think Andy and Terry going to give a brief presentation, and then they're going to join me for a fireside chat.
All right thank you. Thank you, Richard, and good morning, everyone. I'm going to just give a brief overview of the company, and then Terry is going to give an update on the fourth quarter. And then we'd be happy to take your questions. So let me start by mentioning that Terry and I may be referring to some forward-looking
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