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Citizens Financial Group, Inc. (NYSE:CFG ) Q1 2025 Earnings Conference Call April 16, 2025 8:00 AM ET Company Participants Kristin Silberberg - Head, 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 John Pancari - Evercore ISI Ken Usdin - Autonomous Research Peter Winter - D.A. Davidson Erika Najarian - UBS Matt O'Connor - Deutsche Bank Gerard Cassidy - RBC Capital Markets Ebrahim Poonawala - Bank of America Manan Gosalia - Morgan Stanley Operator Good morning, everyone, and welcome to the Citizens Financial Group First Quarter 2025 Earnings Conference Call.