Bread Financial Holdings Inc at Credit Suisse Financial Services Forum Transcript
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Good afternoon, everyone. Thanks for joining us. We're very pleased to have the management of Bread Financial with us. Bread is a leading private label credit card issuer, who in recent years has added a number of co-branded proprietary programs to its base.
We've got both CEO, Ralph Andretta, who joined -- before joining Bread was the head of U.S. Cards at Citi and had leadership positions in both Bank of America and American Express before that; and Perry Beberman, the CFO. He joined Bread from BofA and been part of the management team that BofA acquired with MBNA.
So we'll do a fireside chat format. And if there are questions from the room, we can perhaps entertain those as well.
Questions & Answers
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So maybe to start it off, Ralph, can you talk -- one of the objectives that you've had is when -- as
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