Citizens Financial Group, Inc. (NYSE:CFG) Q4 2024 Earnings Conference Call January 17, 2024 9:00 AM ET

Company Participants

Lovin Thomas - Senior Vice President, Investor Relations
Bruce Van Saun - Chairman and Chief Executive Officer
John Woods - Chief Financial Officer
Brendan Coughlin - Head of Consumer Banking
Don McCree - Head of Commercial Banking

Conference Call Participants

Scott Siefers - Piper Sandler
Erika Najarian - UBS
Matt O'Connor - Deutsche Bank
Gerard Cassidy - RBC Capital Markets
Manan Gosalia - Morgan Stanley

Operator

Good morning, everyone and welcome to the Citizens Financial Group Fourth Quarter and Full-Year Earnings Conference Call. My name is Ivy, and I'll be your operator today. Currently, all participants are in a listen-only mode. Following the presentation, we will conduct a brief question-and-answer session. As a reminder, this event is being recorded.

I'll now turn the call over to Lovin Thomas, Senior Vice President, Investor Relations. Lovin, you may begin.

Lovin Thomas

Thank you, Ivy. Good morning, everyone, and thank you for joining us. I'm stepping in today for Kristin, who is out sick.

First this morning, our Chairman and CEO, Bruce Van Saun and CFO, John Woods, will provide an overview of our fourth quarter and full-year results. Brendan Coughlin, Head of Consumer Banking and Don McCree, Head of Commercial Banking are also here to provide additional color.

We will be referencing our fourth quarter and full-year earnings presentation located on our investor relations website. After the presentation, we will be happy to take questions. Our comments today will include forward-looking statements, which are subject to risks and uncertainties that may cause our results to differ materially from expectations. These are outlined for your review on page two of the presentation.

We also reference non-GAAP financial measures, so it's important to review our GAAP results