Mike Corbat | CEO |
Mark Mason | CFO |
Elizabeth Lynn | Head, IR |
John McDonald | Autonomous |
Glenn Schorr | Evercore |
Steven Chubak | Wolf Research |
Saul Martinez | UBS |
Jim Mitchell | Buckingham Research |
Mike Mayo | Wells Fargo Securities |
Erika Najarian | Bank of America |
Matt O’Connor | Deutsche Bank |
Betsy Graseck | Morgan Stanley |
Ken Usdin | Jefferies |
Brian Kleinhanzl | KBW |
Marty Mosby | Vining Sparks |
Gerard Cassidy | RBC |
Vivek Juneja | JP Morgan |
Hello and welcome to Citi’s Fourth Quarter 2019 Earnings Review. Today, we’re joined by Citi’s Chief Executive Officer, Mike Corbat; the Chief Financial Officer -- and Mark Mason, CFO. Today’s call will be hosted by Elizabeth Lynn, Head of Citi Investor Relations. We ask that you please hold all questions until the completion of the formal remarks, at which time you will be given instructions for the question-and-answer session. Also as a reminder, this conference is being recorded today.