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1、T R A N S C R I P T Citi Third Quarter 2022 Earnings Review October 14,2022 Copyright 2022 Citigroup Inc.1 Host Jennifer Landis,Citi Head of Investor Relations Speakers Jane Fraser,Citi Chief Executive Officer Mark Mason,Citi Chief Financial Officer _ PRESENTATION OPERATOR:Hello,and welcome to Citis

2、 Third Quarter 2022 Earnings Call with the Chief Executive Officer,Jane Fraser;and Chief Financial Officer,Mark Mason.Todays call will be hosted by Jenn Landis,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

3、be given instructions for the question-and-answer session.Also as a reminder,this call is being recorded today.If you have any objections,please disconnect at this time.Ms.Landis,you may begin.JENNIFER LANDIS:Thank you,operator.Good morning,and thank you all for joining us.Id like to remind you that

4、 todays presentation,which is available for download on our website,may contain forward-looking statements,which are based on managements current expectations and are subject to uncertainty and changes in circumstances.Actual results may differ materially from these statements due to a variety of fa

5、ctors,including those described in our SEC filings.With that,Ill turn it over to Jane.JANE FRASER:Thank you,Jenn,and thanks everyone for joining us today.Well,we are certainly still living through interesting times.And overall,I am pleased with how our bank is navigating through them.As youll hear f

6、rom me shortly,we continue to focus intensely on executing our strategy and our transformation as we outlined at Investor Day,whilst supporting our clients in this complex environment.So before I get into the quarter,let me highlight some observations about what we see going on around the world,give