Jen Landis | Investor Relations |
Jane Fraser | Chief Executive Officer |
Mark Mason | Chief Financial Officer |
Glenn Schorr | Evercore |
Betsy Graseck | Morgan Stanley |
Jim Mitchell | Seaport Research |
Ken Usdin | Jefferies |
Mike Mayo | Wells Fargo Securities |
Ebrahim Poonawala | Bank of America |
Matt O'Connor | Deutsche Bank |
Vivek Juneja | the JP Morgan |
Gerard Cassidy | RBC |
Steven Chubak | Wolfe Research |
Erika Najarian | UBS |
John McDonald | Autonomous Research |
Hello, and welcome to Citi's Fourth Quarter 2021 Earnings Review with the Chief Executive Officer, Jane Fraser; and Chief Financial Officer, Mark Mason. Today's call will be hosted by Jen Landis, Head of Citi Investor Relations. [Operator Instructions] Also, as a reminder, this conference is being recorded today. [Operator Instructions] Ms. Landis, you may begin.