Citigroup (C) Q3 2011 Earnings Call October 17, 2011 11:00 am ET Executives John Andrews - Director, Investor Relations John C. Gerspach - Chief Financial Officer Vikram S. Pandit - Chief Executive Officer and Director Analysts Michael Mayo - Credit Agricole Securities (USA) Inc., Research Division Vivek Juneja - JP Morgan Chase & Co, Research Division Matthew O'Connor - Deutsche Bank AG, Research Division Ron Mandle - GIC Jason M. Goldberg - Barclays Capital, Research Division Christoph M. Kotowski - Oppenheimer & Co. Inc., Research Division John E. McDonald - Sanford C. Bernstein & Co., LLC., Research Division Michael Holton - Merrill Lynch James F. Mitchell - Buckingham Research Group, Inc. Glenn Schorr - Nomura Securities Co. Ltd., Research Division Moshe Orenbuch - Crédit Suisse AG, Research Division Betsy Graseck - Morgan Stanley, Research Division Todd L. Hagerman - Sterne Agee & Leach Inc., Research Division Adam G. Hurwich - Ulysses Management LLC Ed Najarian - ISI Group Inc., Research Division PresentationOperator
Hello, and welcome to Citi's Third Quarter 2011 Earnings Review with Chief Executive Officer, Vikram Pandit; and Chief Financial Officer, John Gerspach. The call will be hosted by John Andrews, 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. Mr. Andrews, you may begin. John Andrews Rachel, thank you. And good morning to everybody, and thank you for joining us today. On the call today our CEO, Vikram Pandit, will speak first. Then, John Gerspach, our CFO, will take you through the earnings presentation, which is available for download on our website, citigroup.com. After which, we'll be happy to take your questions.