Mike Corbat | CEO |
John Gerspach | CFO |
Mark Mason | Incoming CFO |
Susan Kendall | Head of Investor Relations |
Jim Mitchell | Buckingham Research |
John McDonald | Bernstein |
Matt O'Connor | Deutsche Bank |
Glenn Schorr | Evercore |
Mike Mayo | Wells Fargo Securities |
Steven Chubak | Wolfe Research |
Marty Mosby | Vining Sparks Management |
Ken Usdin | Jefferies. |
Betsy Graseck | Morgan Stanley |
Brian Kleinhanzl | KBW |
Saul Martinez | UBS |
Gerard Cassidy | RBC |
Erika Najarian | Bank of America |
Al Alevizakos | HSBC |
Vivek Juneja | JP Morgan |
Hello. And welcome to Citi’s Fourth Quarter 2018 Earnings Review. Today, we are joining by Citi’s Chief Executive Officer, Mike Corbat; the Chief Financial Officer, John Gerspach; and Citi’s incoming CFO, Mark Mason. Today’s call will be hosted by Susan Kendall, Head of Citi Investor Relations. We ask that you please hold all questions until the completion of the formal remarks.