Citigroup , Inc . C Q4 2009 Earnings Call Transcript
Hello and welcome to Citi s Fourth Quarter and Full Year 2009 Earnings Review with Chief Executive Officer, Vikram Pandit and Chief Financial Officer, John Gerspach. Today s call will be hosted by John Andrews, 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. Also, as a reminder, this conference is being recorded today, if you have any objections please disconnect at this time.