Jennifer Landis | executive |
Jane Fraser | executive |
Mark Mason | executive |
Michael Mayo | analyst |
Glenn Schorr | analyst |
John McDonald | analyst |
James Mitchell | analyst |
Ebrahim Poonawala | analyst |
Gerard Cassidy | analyst |
L. Erika Penala | analyst |
Matthew O'Connor | analyst |
Ryan Kenny | analyst |
Robert Siefers | analyst |
Vivek Juneja | analyst |
Steven Chubak | analyst |
Hello, and welcome to Citi's Fourth Quarter 2023 Earnings Call. Today's call will be hosted by Jen Landis, Head of Citi's Investor Relations. [Operator Instructions] Also, as a reminder, this conference is being recorded today. [Operator Instructions] Ms. Landis, you may begin.