Financial Performance - Net income was $113.5 million, or $1.32 per diluted share, compared to $119.5 million, or $1.38 per diluted share in 1Q25[24, 25] - Adjusted Pre-Provision Net Revenue (PPNR) totaled $167.9 million, up $5.5 million compared to 1Q25[24, 25] - Net Interest Margin (NIM) was 3.49%, up 6 bps compared to 1Q25[24, 25] - Efficiency ratio was 54.91%, improved 31 bps compared to prior quarter[24, 25] Balance Sheet - Total assets reached $35.2 billion[10] - Loans totaled $23.5 billion, up $364 million, or 6% LQA[10, 25, 29] - Deposits totaled $29.0 billion, down $148 million, or 2% LQA[10, 25, 36] - CET1 ratio was estimated at 14.03%, down 45 bps linked-quarter; TCE ratio at 9.84%, down 17 bps linked-quarter[10, 24, 25] Asset Quality - Criticized commercial loans totaled $569 million, or 3.15% of total commercial loans, down $25 million from $594 million, or 3.35% of total commercial loans, in prior quarter[38, 39] - Nonaccrual loans totaled $95 million, or 0.40% of total loans, down $9 million from $104 million, or 0.45% of total loans, in prior quarter[38, 39] - ACL coverage solid at 1.45%, compared to 1.49% in prior quarter[25, 41] Forward Guidance - Expect EOP loans at 12/31/25 to be up low single digits from 12/31/24 levels[74] - Expect NII (te) to be up between 3%-4% from FY24; expect modest NIM expansion throughout 2H25[74] - Expect noninterest income to be up 9%-10% from FY24 noninterest income[74]

Financial Performance - Q2 2025 organic revenue grew by 30%[9] - Q2 Non-GAAP Adj EBITA increased by 41% to $6138 million with a 153% margin[10] - Q2 Non-GAAP adjusted diluted EPS increased by 51% to $205[10] - The company repurchased $142 million in shares in Q2 and $223 million year-to-date[10] Revenue Breakdown - Media & Advertising and Precision Marketing accounted for 68% of total revenue with combined organic growth exceeding 7%[9] - Total revenue for the second quarter was $40156 million a 42% increase[11] - Year-to-date revenue reached $77060 million a 30% increase[11] Strategic Initiatives - The Interpublic (IPG) Transaction cleared antitrust review by the US Federal Trade Commission in late June 2025 with closing expected in the second half of 2025[9] - The company achieved a $250 million year-to-date improvement in the use of operating capital[10]

Financial Performance - Total revenue reached $3.4 billion, an increase of 8%, or 9% excluding notable items[4] - Fee revenue totaled $2.7 billion, up 11%, or 12% excluding notable items[4] - Expenses amounted to $2.5 billion, reflecting an 11% increase, or 6% excluding notable items[4] - EPS reached $2.17, up 1%, or $2.53, up 18% excluding notable items[4] Business Momentum - Record AUC/A of $49.0 trillion at quarter-end, with AUC/A wins of $1093 billion[4] - New servicing fee revenue wins of $145 million primarily related to back office[4] - Record AUM of $5.1 trillion at quarter-end with total net inflows of $82 billion, including record Institutional net inflows of $68 billion[4] - FX trading volumes increased by 17%[4] Capital Allocation - Returned $517 million to common shareholders, including $300 million in share repurchases and $217 million in declared dividends[4] - Announced a planned 11% increase to 3Q25 per share quarterly common stock dividend to $0.84, subject to Board approval[4]

Financial Performance - Citigroup reported revenues of $21.7 billion in 2Q25, an increase of 8% year-over-year[5] - Net income for 2Q25 was $4.0 billion, a 25% increase compared to 2Q24[5] - The Return on Tangible Common Equity (RoTCE) for 2Q25 was 8.7%, up from 7.2% in 2Q24[5] - Diluted Earnings Per Share (EPS) for 2Q25 was $1.96, a 29% increase year-over-year[5] Capital and Shareholder Returns - Citigroup's CET1 Capital Ratio was 13.5% in 2Q25[5] - The company returned approximately $3.1 billion to common shareholders through share repurchases and dividends in 2Q25[7] - The Board approved an increase to the common stock dividend to $0.60 per share starting in 3Q25, up from $0.56 per share[7] Business Segment Performance - Services revenues increased to $5.1 billion in 2Q25[9] - Markets revenues increased to $5.9 billion in 2Q25[9] - U S Personal Banking revenues increased to $5.1 billion in 2Q25[9]

Financial Performance - Equity Bancshares reported core net income of $175 million for Q2 2025[21] - Core earnings per share reached $099 in Q2 2025[21] - The company's net interest margin stood at 417% for Q2 2025[22] - Return on average tangible common equity (ROATCE) was 1264% for Q2 2025[22] - Tangible book value per share increased to $3217 in Q2 2025[6, 18, 19] Balance Sheet - Total assets amounted to $54 billion[6] - Gross loans totaled $36 billion[6, 21] - Total deposits reached $42 billion[6, 21] - The loan to deposit ratio was 850%[54] Capital Management - The company's TCE/TA ratio was 1063%[6] - CET 1 Capital Ratio was 1507%[6] - Total Risk-based Capital Ratio was 1684%[6]

Financial Performance - Net income reached $5.5 billion, or $1.60 per diluted common share, including a $253 million gain from acquiring the remaining interest in the merchant services joint venture[4] - Revenue totaled $20.8 billion, a 1% increase, with net interest income at $11.7 billion (down 2%) and noninterest income at $9.1 billion (up 4%)[4] - The effective income tax rate was 14.3%[4] - Return on Equity (ROE) was 12.8%, and Return on Tangible Common Equity (ROTCE) was 15.2%[4] Credit Quality - Provision for credit losses amounted to $1.0 billion[6] - Total net loan charge-offs were $1.0 billion, down $304 million, representing 0.44% of average loans (annualized)[6] - Allowance for credit losses for loans stood at $14.6 billion, a 1% decrease[6] Capital and Liquidity - The Common Equity Tier 1 (CET1) ratio was 11.1%[5] - The Liquidity Coverage Ratio (LCR) was 121%[5] - Total Loss Absorbing Capacity (TLAC) ratio was 24.4%[5] Loans and Deposits - Average loans were $916.7 billion, stable year-over-year[4] - Average deposits totaled $1.3 trillion, down 1%[4]

Financial Performance - Revenue increased by 9% year-over-year to $5.0 billion[5] - Expenses increased by 4% year-over-year to $3.2 billion[5] - Pre-tax margin increased by 3%-pts year-over-year to 37%[5] - EPS increased by 27% year-over-year[3] - ROTCE increased by 3.2%-pts year-over-year to 27.8%[5] Capital Allocation - Returned $1.2 billion to common shareholders, including $346 million in dividends and $895 million in share repurchases[5] - Declared a 13% increase in the quarterly common stock dividend in 3Q25[5] Business Segments - Securities Services total revenue increased by 10% year-over-year to $2.474 billion[20] - Market and Wealth Services total revenue increased by 13% year-over-year to $1.742 billion[24] - Investment and Wealth Management total revenue decreased by 2% year-over-year to $801 million[28] Capital and Liquidity - Tier 1 leverage ratio decreased by 17 bps quarter-over-quarter to 6.1%[12] - CET1 ratio remained flat quarter-over-quarter at 11.5%[12]

Financial Performance - The company reported net income of $2.9 million, with an adjusted net income of $40.8 million[7, 8] - A securities portfolio restructure resulted in a loss of $60 million[7, 9, 23] - Net interest margin (NIM) expanded by 13 bps to 3.68%[7] - Pre-Tax Pre-Provision Net Revenue was $(4.4) million, but adjusted PPNR reached $58.6 million[7] - The efficiency ratio was 105.7%, while the adjusted efficiency ratio was 56.9%[7] Balance Sheet & Credit Quality - Annualized loan held for investment (HFI) growth was 4.2%[7] - Annualized total deposit growth reached 7.2%[7] - ACL coverage ratio stood at 1.51%[7] - Net charge-offs returned to historical levels at an annualized rate of 0.02%[7, 56] - Nonperforming Assets (NPA) to Assets ratio increased by 8 basis points to 0.92%[7] Capital & M&A - Tangible Common Equity to Tangible Assets ratio was 10.4%[7] - CET 1 Ratio was 12.3% and Total Risk-Based Capital was 14.7% (preliminary)[7] - The merger with Southern States Bancshares, Inc closed on July 1, 2025, with conversion expected in 3Q25[7]

Financial Performance - Adjusted EBITDA reached $1.11 billion[2] - The company aims to deliver $1.5 billion in savings from FY25 to FY27[12] - Digital sales increased by 25%[2] - ID sales increased by 2.8%[2] - Adjusted EPS was $0.55[2] Strategic Initiatives - The company focuses on driving customer growth through digital engagement[4] - Building the media business to fuel reinvestment into the core business[6] - The company plans to open new demand channels[7] - The company plans to enhance the customer value proposition by amplifying Own Brands presence[8] - Partnering with strategic vendors to invest in price[10] - Modernizing capabilities with a "Technology-first focus" and leveraging AI to accelerate operations[12]

Financial Performance Highlights - Net income for 2Q25 reached $15 billion, resulting in an EPS of $5.24[2,4] - Excluding a significant item, net income was $14.2 billion, EPS was $4.96, and ROTCE was 20%[2,3,5] - Managed revenue totaled $45.7 billion[2,4] - Expenses amounted to $23.8 billion, with a managed overhead ratio of 52%[2,4] Balance Sheet Strength - CET1 capital stood at $284 billion[2,5] - Standardized CET1 capital ratio was 15.0%, while the Advanced CET1 capital ratio was 15.1%[2,5] - Average loans reached $1.4 trillion, up 5% year-over-year and 3% quarter-over-quarter[2] - Average deposits were $2.5 trillion, up 6% year-over-year and 3% quarter-over-quarter[2] - Cash and marketable securities totaled $1.5 trillion[2] Capital Distribution - Common dividend was $3.9 billion, or $1.40 per share[2] - Net common stock repurchases amounted to $7.1 billion[2] - Net payout LTM (Last Twelve Months) was 71%[2] Business Segment Performance - Consumer & Community Banking (CCB) reported net income of $5.2 billion, up 23% year-over-year, with revenue of $18.8 billion, up 6% year-over-year[10,16] - Commercial & Investment Bank (CIB) reported net income of $6.7 billion, up 13% year-over-year, with revenue of $19.5 billion, up 9% year-over-year[17,22] - Asset & Wealth Management (AWM) reported net income of $1.5 billion, up 17% year-over-year, with revenue of $5.8 billion, up 10% year-over-year[23,25] Outlook - The company expects FY2025 net interest income of approximately $95.5 billion, market dependent[30] - The company expects FY2025 net interest income excluding Markets of approximately $92 billion, market dependent[30] - The company expects FY2025 Card Services NCO rate of approximately 3.6%[30] - The company expects FY2025 adjusted expense of approximately $95.5 billion, market dependent[30]