Financial Performance - Citigroup reported a consolidated net income of $4.5 billion for Q4 2025, reflecting a 10% increase year-over-year[1]. - Total Citigroup revenues reached $20 billion in Q4 2025, with net interest income (NII) contributing $12 billion, up 8% from the previous year[1]. - Citigroup reported net revenues of $21,596 million for Q4 2025, a 10% increase from Q4 2024, and full-year revenues of $85,225 million, reflecting a 6% increase compared to FY 2024[2]. - Citigroup's net income for Q4 2025 was $4,064 million, a 34% decrease from Q4 2024, while full-year net income reached $14,306 million, a 13% increase from FY 2024[2]. - Citigroup's net income for FY 2025 was $14,306 million, reflecting a 13% increase from FY 2024[7]. - Total Citigroup reported revenues for FY 2025 reached $85.225 billion, reflecting a 6% increase compared to FY 2024's $80.722 billion[93]. - Total Citigroup Net Income for FY 2025 was reported at $14.306 billion, reflecting a 13% increase compared to FY 2024's $12.682 billion[97]. Revenue Breakdown - Non-Interest Revenues (NIR) accounted for $8 billion, representing a 12% increase compared to Q4 2024[1]. - Total non-interest revenues (NIR) decreased by 4% to $25,433 million in FY 2025 compared to FY 2024[7]. - Services revenue for Q4 2025 reached $5,942 million, an increase of 11% from Q3 2025 and 15% year-over-year[15]. - Corporate lending revenues for Q4 2025 were $938 million, a decrease of 5% from Q3 2025 but a significant increase of 197% year-over-year[104]. - Legacy franchises revenues for FY 2025 were $5,512 million, a 19% decrease from FY 2024[101]. Operating Expenses - Citigroup's total operating expenses for Q4 2025 were $14 billion, which is a 4% increase year-over-year[1]. - Operating expenses for Q4 2025 were $13,425 million, up 6% year-over-year, with full-year operating expenses totaling $55,132 million, a 3% increase from FY 2024[2]. - Total operating expenses for FY 2025 were reported at $55.132 billion, a 3% increase from FY 2024's $53.567 billion[95]. - Total operating expenses for FY 2025 were $6,040 million, a 14% decrease from FY 2024[104]. Capital and Assets - The Common Equity Tier 1 (CET1) capital ratio stood at 12.5%, indicating a strong capital position[1]. - The Common Equity Tier 1 (CET1) Capital ratio stood at 13.41% for Q4 2025, while the Tier 1 Capital ratio was 15.10%[3]. - Total assets increased to $2,571.5 billion in Q4 2025, reflecting a 13% increase from the previous year[2]. - Total end-of-period assets reached $86 billion in Q4 2025, a 16% increase from Q4 2024[49]. Loans and Deposits - Total loans reached $702.1 billion in Q4 2025, marking an 8% increase year-over-year, while total deposits were $1,316.4 billion, a 9% increase from Q4 2024[2]. - Total end-of-period loans as reported for Q4 2025 were $752 million, an 8% increase from Q4 2024's $695 million[93]. - Total end-of-period deposits as reported for Q4 2025 reached $1.404 billion, a 9% increase from Q4 2024's $1.285 billion[93]. Credit Losses and Provisions - The allowance for credit losses (ACL) was reported at $3 billion, with a decrease of 5% from the previous quarter[1]. - Net credit losses (NCLs) for Q4 2025 were $2,459 million, a 1% increase from Q4 2024, with total NCLs for FY 2025 at $9,097 million, a 1% increase compared to FY 2024[2]. - The total allowance for credit losses (ACL) was $19,247 million, with a ratio of 2.58%[76]. - The net credit losses (NCLs) for the quarter were $(2,190) million, showing a 1% decrease compared to $(2,234) million in the previous quarter[79]. Strategic Initiatives - The company plans to expand its wealth management services, targeting a 15% growth in client assets by 2026[1]. - Citigroup is investing in new technology platforms, with a budget of $1 billion allocated for digital transformation initiatives in 2026[1]. - Citigroup's market expansion strategy includes entering three new international markets by the end of 2026[1]. Efficiency and Returns - The efficiency ratio improved to 62.2% in Q4 2025, compared to 67.1% in Q4 2024, indicating better cost management[2]. - The return on common equity (RoCE) for FY 2025 is 8.0%, compared to 5.1% in FY 2024, indicating a significant improvement[90]. - The return on tangible common equity (RoTCE) for FY 2025 was 11.6%, an increase of 250 basis points from 9.1% in FY 2024[24].

NEW YORK (AP) — Setting aside their current fight with the White House, things are looking good on Wall Street. The latest trio of big banks reported their results Wednesday — Bank of America, Citigroup and Wells Fargo — and while each of them do different flavors of banking the theme is the same: profits are up, dealmaking is healthy, and the consumer is doing just fine. “While any number of risks continue, we are bullish on the U.S. economy in 2026,” said Brian Moynihan, CEO and chairman of Bank of Am ...

Wall Street's main indexes slid for the second straight day as investors parsed results from Bank of America and Citigroup, while data for retail sales and producer prices did little to shake expectations for interest-rate cuts later this year. ...

智通财经APP获悉，前欧洲央行行长特里谢在接受采访时直言，美国总统特朗普对美联储的持续抨击， 可能对全球金融体系造成"严重后果"，这种做法正在动摇发达经济体近50年来形成的央行独立性共识。 特里谢还指出，美国在财政与政治层面的"高度脆弱性"正在加剧。他提到，美国长期存在的两党共识 是"不断扩大支出"，这令投资者对为财政赤字和高企的债务占GDP比重融资愈发警惕。 "美国的情况在某种程度上也反映了全球经济的现状。"特里谢说，"无论是公共还是私人部门，当前债 务占GDP的比例，都高于雷曼兄弟倒闭前的水平。市场在面对这些风险时显得过于平静。" 他警告称，如果美联储被迫成为总统的"最听话仆人"，将对全球经济和金融稳定造成"极其破坏性的影 响"。"我们正处在全球经济高度脆弱的阶段，这也是为何美国行政部门与美联储关系被破坏令人极度担 忧。" 与此同时，花旗集团(C.US)也在最新报告中指出，民粹主义政府对央行独立性的冲击风险可能从美国向 外蔓延。随着英国国债和欧洲政府债券的加权平均期限不断缩短，投资者对30年期等长期债券兴趣下 降，各国债务的利息成本对政策利率变动愈发敏感。 花旗认为，这可能在未来加大民粹主义政府向央行施压 ...

Major financials kick off the week with Bank of America Corporation, Wells Fargo & Company, and Citigroup Inc. reporting pre-market Wednesday, followed by Morgan Stanley, Goldman Sachs Group Inc. (The), and BlackRock Inc. on Thursday. Next Tuesday sees a surge in reports, highlighted by Netflix Inc. after close, while Next Wednesday features Johnson & Johnson pre-market alongside numerous financials and real estate firms. Disclaimer: This article is for informational purposes only and does not constitute fi ...

来源：滚动播报 花旗集团首席财务官表示，下一任美联储主席秉持同样的独立性承诺至关重要。 ...

花旗银行(C.US)于美东时间1月14日盘前发布2025年第四季度财报，每股收益超预期，营收略逊预期。 数据显示，营收为198.7亿美元，同比增长2.1%，但较市场预期低5.8亿美元;非GAAP每股收益为1.81美 元，较市场预期高出0.19美元。 花旗Q4营收增长主要得益于银行、资金服务、美国个人银行及财富管理业务的贡献，但被"其他所 有"业务的下滑所部分抵消。若剔除与俄罗斯相关的特殊项目影响，营收实际增长8%。 本季度信贷损失准备为22亿美元，主要由22亿美元的净信贷损失以及因净贷款活动增加而额外计提的 3000万美元贷款损失拨备(ACL)所驱动，贷款质量变化部分抵消了该影响。 净信贷损失较去年同期下降2%，主要由于美国个人银行业务的改善，但遗留业务板块的损失增加在很 大程度上抵消了这一改善。 在首席执行官简.弗雷泽的带领下，该行第四季度财务咨询费大幅增长84%，推动全年并购业务收入同 比增长超五成，创下历史纪录。根据周三发布的财报，这一业绩表现明显优于其更大竞争对手摩根大通 (JPM.US)，后者2025年此项业务仅增长6%。 长期以来难以跻身顶级投行之列的花旗，正通过业务重组实现突破。弗雷泽于2024 ...

Citigroup's stock rose, as the bank's earnings miss was due to a previously disclosed large loss related to plans to sell AO Citibank in Russia. ...

France is looking into sending Eutelsat satellite terminals to Iran to help citizens after Iranian authorities imposed a blackout of internet services in a bid to quell the country's most violent dome... ...

Citigroup's profit fell 13% in the fourth quarter as it booked a $1.2 billion loss tied to the sale of its Russia business, offsetting higher revenue from dealmaking and services to corporate clients. ...