 Citizens Financial Group, Inc. NYSE:CFG Q2 2022 Earnings Conference Call July 19, 2022 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 Brendan Coughlin - Head, Consumer Banking Don McCree - Head, Commercial Banking Conference Call Participants John Pancari - Evercore Scott Siefers - Piper Sandler Peter Winter - Wedbush Securities Gerard Cassidy - RBC Erika Najarian - UBS Ken Usdin - Jefferies Vivek Juneja - JPMorgan Operator Good morning, everyone, and welcome to the Citizens Financial Group Second Quarter 2022 Earnings Conference Call. My name is Alan, and Ill be your operator today. 