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Citizens Financial Group, Inc. (CFG) Q3 2024 Earnings Call Transcript

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Citizens Financial Group, Inc. (NYSE:CFG) Q3 2024 Earnings Conference Call October 16, 2024 9:00 AM ET

Company Participants

Kristin Silberberg – Executive 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
Matt O’Connor – Deutsche Bank
John Pancari – Evercore
Erika Najarian – UBS
Manan Gosalia – Morgan Stanley

Operator

Good morning, everyone and welcome to the Citizens Financial Group Third Quarter Earnings Conference Call. My name is Alan, 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.

Now I’ll turn the call over to Kristin Silberberg, Executive Vice President, Investor Relations. Kristin, you may begin.

Kristin Silberberg

Thank you, Alan. Good morning, everyone and thank you for joining us. First, this morning, our Chairman and CEO, Bruce Van Saun and CFO, John Woods will provide an overview of our third quarter 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 third quarter earnings presentation located on our investor relations website. After the presentation, we’ll 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 2 of the presentation. We also reference non-GAAP financial measures, so it’s important to review our GAAP results on Page 3 of the presentation and the reconciliations in the appendix.

And with that, I will hand over

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