Citizens Financial Group Inc at Barclays Americas Select Franchise Conference Transcript
Perfect, great. Moving right along, very pleased to have Citizens Financial. Since their spinout from RBS, maybe 5, 6 years ago, they've been a steady attendee at this event. And if you look, in each and every one of those years, they've consistently improved their ROTCE, ROA, efficiency ratio to pretty healthy levels and despite that we expect further improvement from here.
From the company to tell us a lot more about that, we have Bruce Van Saun, Chairman and CEO; and also present, Ellen Taylor, Director of Investor Relations. With that, I want to turn it over to Bruce.
Thank you, Jason. Good morning, everyone. Pleasure to be here. Let me get started and offer you the cautionary language, which you can look at, at your convenience.
So let me start out, and I'll give you just a snapshot about Citizens and the markets that we serve.
So overall, we have a very
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