 Citizens Financial Group, Inc. NYSE:CFG Q4 2022 Earnings Conference Call January 17, 2023 9:00 AM ET Company Participants Kristin Silberberg - Executive Vice President, Investor Relations Bruce Van Saun - Chairman Chief Executive Officer John Woods - Chief Financial Officer Don McCree - Head, Commercial Banking Brendan Coughlin - Head, Consumer Banking Conference Call Participants Scott Siefers - Piper Sandler Peter Winter - D.A. Davidson Co. Kenneth Usdin - Jefferies John Pancari - Evercore ISI Manan Gosalia - Morgan Stanley Vivek Juneja - JPMorgan Operator Good morning, everyone, and welcome to the Citizens Financial Group Fourth Quarter and Full Year 2022 Earnings Conference Call. 