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CIT's (CIT) CEO Ellen Alemany on Q4 2016 Results - Earnings Call Transcript

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CIT Group Inc. (CIT) Q4 2016 Earnings Conference Call January 31, 2017 8:00 AM ET

Executives

Barbara Callahan - Head, Investor Relations
Ellen Alemany - Chairwoman and Chief Executive Officer
Carol Hayles - Chief Financial Officer
Rob Rowe - Chief Risk Officer

Analysts

Arren Cyganovich - D.A. Davidson
Moshe Orenbuch - Credit Suisse
Mark DeVries - Barclays
Chris Kotowski - Oppenheimer & Company
David Ho - Deutsche Bank
Vincent Caintic - Stephens
Chris Brendler - Stifel

Operator

Good morning and welcome to CIT’s Fourth Quarter 2016 Earnings Conference Call. My name is Keith and I will be your operator today. [Operator Instructions] As a reminder, this conference call is being recorded. I would now like to turn the conference over to Barbara Callahan, Head of Investor Relations. Please proceed, ma’am.

Barbara Callahan

Thank you, Keith. Good morning and welcome to CIT’s fourth quarter 2016 earnings conference call. Our call today will be hosted by Ellen Alemany, Chairwoman and CEO and Carol Hayles, our CFO. After Ellen and Carol’s prepared remarks, we will have a question-and-answer session. Also, joining us for the Q&A discussion is our Chief Risk Officer, Rob Rowe.

As a courtesy to others on the call, we ask that you limit yourself to one question and a follow-up and then return to the call queue, if you have additional questions. We will do our best to answer as many questions as possible in the time that we have this morning.

Elements of this call are forward-looking in nature and may involve risks, uncertainties and contingencies that may cause actual results to differ materially from those anticipated. Any forward-looking statements relate only to the time and date of this call. We disclaim any duty to update these statements based on new information, future events or otherwise. For information about risk factors relating to the

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