Citigroup (C)

Q4 2010 Earnings Call

January 18, 2011 10:30 am ET


John Gerspach - Chief Financial Officer and Member of Executive Committee

John Andrewas -

John Andrews - Director, Investor Relations

Vikram Pandit - Chief Executive Officer, Director and Member of Executive Committee


Andrea Jao - Cowen and Company, LLC

Jeffrey Harte - Sandler O'Neill & Partners L.P.

John McDonald - Bernstein Research

Betsy Graseck - Morgan Stanley

James Mitchell - Goldman Sachs

Glenn Shore

Guy Moszkowski - BofA Merrill Lynch

Moshe Orenbuch - Crédit Suisse AG

Edward Najarian - ISI Group Inc.

Carole Berger

Christoph Kotowski - Oppenheimer & Co. Inc.

Michael Mayo - Credit Agricole Securities (USA) Inc.

Matthew O'Connor - Deutsche Bank AG

Richard Bove - Punk Ziegel



Hello, and welcome to Citi's Fourth Quarter 2010 Earnings Review with Chief Executive Officer, Vikram Pandit; and Chief Financial Officer, John's Gerspach. Today's call will be hosted by John Andrews, Head of Citi Investor Relations. [Operator Instructions] Mr. Andrews, you may begin.

John Andrews

Thank you, operator. Good morning, and thank you everyone this morning for joining us. On the call today, of course, Vikram will take us through the presentation, initially, followed by John Gerspach, our CFO, who will take you through the detailed deck which available on our website. Afterwards, they will be happy to take your questions.

Before we get started, I would like to remind you that today's presentation may concern forward-looking statements, which are based on management's current expectations and are subject to uncertainty and changes in circumstances. Actual results may differ materially from these statements due to a variety of factors, including the precautionary statements referenced in our discussion today and those included in our SEC filings, including without limitation, the Risk Factors section of our 2009 Form 10-K. With that said and out of the way, let me turn it over to Vikram. Vikram?

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