Citigroup's (C) CEO Mike Corbat on Q3 2016 Results - Earnings Call Transcript

Oct. 14, 2016 4:00 PM ETCitigroup Inc. (C)
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Citigroup Inc. (NYSE:C) Q3 2016 Earnings Conference Call October 14, 2016 11:30 AM ET


Susan Kendall - IR

Mike Corbat - CEO

John Gerspach - CFO


Glenn Schorr - Evercore ISI

John McDonald - Bernstein

Jim Mitchell - Buckingham Research

Steven Chubak - Nomura

Mike Mayo - CLSA

Ken Usdin - Jefferies

Erika Najarian - Bank of America

Betsy Graseck - Morgan Stanley

Matt O'Connor - Deutsche Bank

Matt Burnell - Wells Fargo Securities

Brian Kleinhanzl - KBW

Marty Mosby - Vining Sparks

Gerard Cassidy - RBC


Hello, and welcome to Citi's Third Quarter 2016 Earnings Review with Chief Executive Officer, Mike Corbat and Chief Financial Officer, John Gerspach. Today's call will be hosted by Susan Kendall, 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.

Ms. Kendall, you may begin.

Susan Kendall

Thank you, Brian. Good morning and thank you all for joining us. On our call today, our CEO, Mike Corbat will speak first, then John Gerspach, our CFO, will take you through the earnings presentation, which is available for download on our website, Afterwards, we'll be happy to take questions.

Before we get started, I would like to remind you that today's presentation may contain forward-looking statements, which are based on management's current expectations and are subject to uncertainty and changes in circumstances. Actual results in capital and other financial condition may differ materially from these statements due to a variety of factors, including the precautionary statements referenced in our discussion today and those included in our SEC filings, including, without limitation, the Risk Factors section of our 2015 Form 10-K.

With that said, let me turn it over to Mike.

Mike Corbat

Thank you, Susan, and

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