Perhaps the most depressing aspect of Citi's results was the tone of remarks by its chief financial officer, Gary Crittenden.

对于花旗此举最悲观的论调可能是由它的首席财务官Gary Crittenden做出的。

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"If unemployment continues to increase, credit card net charge-offs could exceed historical norms," Gary L. Crittenden, Citigroup's chief financial officer, said.

花旗集团的首席财务官说，“如果失业人数继续增加，信用卡净赖帐额可能超过历史限额。”

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Perhaps the most depressing aspect of Citi's results was the tone of remarks by its chief financial officer, Gary Crittenden.

ECONOMIST: Bank losses: A Citi situation | The

Gary Crittenden, the company's chief financial officer, says Citi could use the bailout money to rebuild the reserves of the bank it plans to buy.

NPR: Despite Cash Injection, Banks Cautious On Lending

To cut expenses, it slashed 4, 200 jobs in the fourth quarter in addition to the 17, 000 layoffs announced in the spring, and CFO Gary Crittenden said more layoffs are in the offing.

NPR: Citigroup Posts Poor Q4 Results, Slashes Dividend