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1、T R A N S C R I P T Citi Fourth Quarter 2022 Earnings Review January 13,2023 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、Fourth Quarter 2022 Earnings Review 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 wil

3、l 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.Ms.Landis,you may begin.JENNIFER LANDIS:Thank you,operator.Good morning and thank you all for joining us.Id like to remind

4、you that 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 varie

5、ty of factors,including those described in our SEC filings.With that,Ill turn it over to Jane.JANE FRASER:Thank you,Jenn,and happy new year to everyone joining us today.We are very much off and running as we start 2023.Today,Ill share our perspective on the macro environment before recapping our per

6、formance in the fourth quarter.And then I will take a few minutes to reflect on our progress in 2022 and our strategic priorities for the coming year.The global macro environment played out largely as we anticipated during the second half of last year.As we enter 2023,the environment is a tad better