Operator
Welcome, and thanks for standing by. [Operator Instructions] At this time’s convention is being recorded.
I might now like to show the convention over to Kristin Silberberg. Thanks. You might start.
Kristin SilberbergHead of Investor Relations
Thanks, Julie. Good morning, everybody, and thanks for becoming a member of us. First, this morning, our Chairman and CEO, Bruce Van Saun; and CFO, Aunoy Banerjee, will present an summary of our fourth quarter and full 12 months outcomes. Brendan Coughlin, our President; and Don McCree, our Chair of Business Banking, are additionally right here to supply extra coloration.
We might be referencing our fourth quarter and full 12 months presentation situated on our Investor Relations web site. After the presentation, we might be pleased to take questions. Our feedback at the moment will embody forward-looking statements, that are topic to dangers and uncertainties which will trigger our outcomes to vary materially from expectations. These are outlined on your overview within the presentation. We additionally reference non-GAAP monetary measures, so it is vital to overview our GAAP ends in the presentation and the reconciliations within the appendix.
And with
