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>>> Citi - CFO: company currently has up to $10-15B shortfall under Fed's total

CFO: company currently has up to $10-15B shortfall under Fed's total loss-absorbing capacity (TLAC) rule, but believes it is manageable - GS conf comments 
- will take $300M repositioning charge in Q4
- will add $300-400M in additional loan reserves from Q3 for energy loans
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