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🔹 Adj. Revenue: $21B (Est. $20.93B) 🔴; +2% YoY
🔹 Adj EPS: $1.81 (Est. $1.67) 🟢
🔹 Markets Revenue: $4.54B (Est. $4.45B) 🟢
🔹 FICC S&T: $3.46B (Est. $3.29B) 🟢
🔹 Equities S&T: $1.08B (Est. $1.16B) 🔴
Outlook:
🔹 Citi sees NII ex-Markets +5–6% YoY
🔹 Target: 10–11% RoTCE for 2026
Business Segments:
🔹 Services: $5.9B; +15% YoY
🔹 US Personal Banking: $5.29B (Est. $5.31B) 🔴; +3% YoY
🔹 Wealth: $2.13B (Est. $2.20B) 🔴; +7% YoY
🔹 Banking: $2.21B (Est. $2.00B) 🟢; +78% YoY
Ex-Notable Item (Russia sale accounting):
🔹 Revenue: $21.0B (vs $19.9B reported)
🔹 EPS: $1.81 (vs $1.19 reported)
🔹 Net Income: $3.6B (vs $2.5B reported)
🔸 Notable item: $1.2B loss on sale ($1.1B after-tax) tied to planned sale of AO Citibank in Russia (in Other revenues)
P&L:
🔹 Operating Expense: $13.8B
🔹 Provision for Credit Losses: $2.2B (incl. $2.2B net credit losses)
🔹 Net Income: $2.5B
🔹 CET1 Ratio: 13.2%
Balance Sheet:
🔹 End-of-Period Deposits: ~$1.4T; +9% YoY
🔹 Book Value / Tangible BVPS: $110.01 / $97.06
🔹 Capital returned to common shareholders (Q4): ~$5.6B (buybacks + dividends)
#c
Переходи в чат t.me/USstocksnews_chat
