Citizens Financial Group Inc at Morgan Stanley Virtual US Financials Conference Transcript
All right. Good morning, everyone. I'm Ken Zerbe, the midcap banks analyst at Morgan Stanley, and I want to welcome you to the 2020 Morgan Stanley Financials Conference.
Now before we begin, I do need to tell you that for important disclosures, please read the Morgan Stanley research disclosure website at www.morganstanley.com/researchdisclosures. If you have any questions, please reach out to your Morgan Stanley sales representative.
All right. So kicking off our conference this year, we have Brendan Coughlin, head of Consumer Banking from Citizens, and I'm really excited to have Brendan with us today. Now I also want to remind everyone before we begin that if you have any questions for Brendan, please submit the questions directly through the Morgan Stanley conference portal that you've dialed into.
All right. With that, let me turn it over to Brendan for some prepared remarks, and then we're going to jump right
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