Susan Kendall | Head, IR |
Mike Corbat | CEO |
John Gerspach | CFO |
John McDonald | Bernstein |
Jim Mitchell | Buckingham Research |
Glenn Schorr | Evercore ISI |
Mike Mayo | Wells Fargo Securities |
Matt O’Connor | Deutsche Bank |
Ken Usdin | Jefferies |
Betsy Graseck | Morgan Stanley |
Saul Martinez | UBS |
Gerard Cassidy | RBC |
Brian Kleinhanzl | KBW |
Hello. And welcome to Citi’s Third Quarter 2018 Earnings Review with Chief Executive Officer, Mike Corbat; and Chief Financial Officer, John Gerspach. 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. At which time, you will be given instructions for the question-and-answer session.