Citi's Mason Says Q4 Markets Revenue Expected To Be Down Low To Mid Single Digits YoY; Q4 Investment Banking Fees Expected To Rise By Mid 20s; Severance Costs Expected To Increase In Q4; Efficiency Ratio Still Expected To Be Less Than 60% Next Year; Transformation Expenses Will Fall Next Year; Bank Reached Two Thirds Of Transformation Goals; Severance Charges Should Come Down Next Year; There Is Significant Amount Of Progress; Two Thirds Of Goals Were Reached, Including Risk Controls And Automation