Elizabeth Lynn | Interim Head, IR |
Michael Corbat | CEO & Executive Director |
Mark Mason | CFO |
Jane Fraser | President & Director |
Glenn Schorr | Evercore ISI |
John McDonald | Autonomous Research |
Erika Najarian | Bank of America Merrill Lynch |
Michael Mayo | Wells Fargo Securities |
Jim Mitchell | Seaport Global Securities |
Matthew O'Connor | Deutsche Bank |
Betsy Graseck | Morgan Stanley |
Kenneth Usdin | Jefferies |
Christoph Kotowski | Oppenheimer |
Charles Peabody | Portales |
Gerard Cassidy | RBC Capital Markets |
Andrew Lim | Societe Generale |
Vivek Juneja | JPMorgan Chase & Co. |
Hello, and welcome to Citi's fourth quarter 2020 earnings review with the Chief Executive Officer, Mike Corbat; incoming Chief Executive Officer, Jane Fraser; and Chief Financial Officer, Mark Mason. Today's call will be hosted by Elizabeth Lynn, Head of Citi Investor Relations. [Operator Instructions]. Also, as a reminder, this conference is being recorded today.
If you have any objections, please disconnect at this time.