Citizens Financial Group Inc (CFG) Q4 2019 Earnings Call Transcript

Founded in 1993 by brothers Tom and David Gardner, The Motley Fool helps millions of people attain financial freedom through our website, podcasts, books, newspaper column, radio show, and premium investing services. Good morning everybody and welcome to the Citizens Financial Group Fourth Quarter and Full Year 2019 Earnings Conference Call. My name is Brad and I’ll be your operator on the call 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 conference is being recorded. I’d now like to turn the call over to Ellen Taylor, Head of Investor Relations. Ellen, you may begin. Okay. Thanks, Brad and happy new decade to everyone. We’re really pleased to have you join us. First this morning, our Chairman and CEO, Bruce Van Saun and CFO, John Woods will provide an overview of our results and our outlook, and will reference our presentation, which you can find in investor.citizensbank.com, and then we’ll be happy to take questions. I’d also like to mention that Brad Conner, Head of Consumer Banking and Don McCree, Head of Commercial Banking are h...

A grocery, a deli, florist, a coffee shop, or an all-purpose hardware store so you wouldn’t

A grocery, a deli, florist, a coffee shop, or an all-purpose hardware store so you wouldn’t have to drive five miles to pick up a nut, bolt, or screw. An ethnic restaurant with tables on the sidewalk, to be welcoming. Something that says “neighborhood.” And how about lowering traffic speeds, less loitering, and attracting foot traffic beyond clients of social service agencies? Wooster Square Alder Aaron Greenberg and City Assistant Director for Comprehensive Planning Aicha Woods convened about 40 people at the Conte/West Hills School library for the session to “re-vision”  the stretch of the Grand Avenue corridor roughly from Hamilton Street and the new Mill River Crossing development to Olive Street. The City Plan Department has put this corridor and two others — lower Dixwell Avenue and lower Whalley Avenue near downtown — on a fast track for rezoning. The idea for Tuesday’s “listening session” was to solicit ideas for what new uses locals want in the neighborhood; to focus on challenges to overcome in street-scape improvements; and then to see how rezoning from the corridor’s current general business (BA) designation to other current classifications or potentially a new “tra...