Q3 2019 Citizens Financial Group Inc Earnings Call Transcript
Good morning, everyone, and welcome to the Citizens Financial Group Third Quarter 2019 Earnings Conference Call. My name is Brad, 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 Ellen Taylor, Head of Investor Relations. Ellen, you may begin.
Thanks so much, Brad, and happy Friday, everybody. We're really pleased to have you all join us. First up this morning, our Chairman and CEO, Bruce Van Saun; and CFO, John Woods, will provide an overview of our results and our outlook, and then we'll reference the earnings presentation, which you can find at investor.citizensbank.com. Then we'll be happy to take questions. In the room with us today are Brad Conner, Head of Consumer Banking; and Don McCree, Head of Commercial Banking and they will be able to provide some additional color.
So now for some quick housekeeping, our comments today will include forward-looking statements, which are subject to risks and
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