 Citigroup Inc. NYSE:C.PK Q4 2022 Earnings Conference Call January 13, 2023 11:00 AM ET Company Participants Jen Landis - Head, Investor Relations Jane Fraser - Chief Executive Officer Mark Mason - Chief Financial Officer Conference Call Participants Glenn Schorr - Evercore John McDonald - Autonomous Research Erika Najarian - UBS Mike Mayo - Wells Fargo Securities Ebrahim Poonawala - Bank of America Betsy Graseck - Morgan Stanley Matt OConnor - Deutsche Bank Jim Mitchell - Seaport Global Ken Usdin - Jefferies Sheng Wang - Wolfe Research Mike Mayo - Wells Fargo Securities Operator Hello and welcome to Citis Fourth Quarter 2022 Earnings Review with the Chief Executive Officer, Jane Fraser; and Chief Financial Officer, Mark Mason. Todays call will be hosted by Jen Landis, Head of Citi Investor Relations. 