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CITIGROUP (C)

Citi is a global financial services company that operates through five main business segments, providing a wide range of financial products and services . The company offers cash management, trade, working capital solutions, securities services, sales and trading services, investment banking, corporate lending, traditional banking services, and wealth management . Citi's diversified business model and global network enable it to maintain leadership positions in key areas and drive revenue growth across its segments .

  1. Services - Provides cash management, trade, working capital solutions, and securities services through Treasury and Trade Solutions (TTS) and Securities Services .
    • Treasury and Trade Solutions (TTS) - Offers cash management and trade solutions.
    • Securities Services - Delivers securities services and working capital solutions.
  2. Markets - Offers sales and trading services across various asset classes, including equities and fixed income, with a focus on maintaining leadership in fixed income .
  3. Banking - Encompasses Investment Banking and Corporate Lending, supporting client capital-raising needs and strategic financing solutions .
  4. U.S. Personal Banking (USPB) - Includes Branded Cards and Retail Services, providing traditional banking services and contributing to consistent revenue growth .
    • Branded Cards - Offers credit card services.
    • Retail Services - Provides traditional banking services.
  5. Wealth - Serves affluent and high-net-worth clients with a range of financial services, expected to grow at a high single-digit to low double-digit CAGR .

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NamePositionExternal RolesShort Bio

Titi Cole

ExecutiveBoard

Director

Datadog, Inc. (Board Member), Sickle Cell Hope Alive Foundation (Executive Director of Development)

Titi Cole is a Director at Citigroup as of January 31, 2025, previously serving as Head of Legacy Franchises.

Jane N. Fraser

Executive

CEO

Council on Foreign Relations (Board Member), Harvard Business School (Board of Dean’s Advisors), Stanford Advisory Board (Member)

Jane Fraser is the CEO of Citigroup Inc. since March 2021, with extensive experience across Citigroup’s business segments and recognized for her leadership in governance, regulatory interaction, and risk management.

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Mark A. L. Mason

Executive

CFO

N/A

Mark Mason is the CFO of Citigroup, having joined in 2001. He has held various senior roles within Citigroup, including CEO of Citi Private Bank and CFO of Citi’s Institutional Clients Group.

Patrick Scally

Executive

Interim Controller

N/A

Patrick Scally is the Interim Controller of Citigroup since September 2024, having been with the company since 1992.

Robert Walsh

Executive

Interim Chief Accounting Officer

N/A

Robert Walsh is the Interim Chief Accounting Officer of Citigroup since September 2024, with over two decades of experience at Citigroup.

Barbara J. Desoer

Board

Director

DaVita Inc. (Board Member), InStride (Advisory Board Member)

Barbara Desoer has been a Director of Citigroup since 2019, with over 40 years of experience in financial services, including a 35-year career at Bank of America.

Casper W. von Koskull

Board

Director

Heimstaden Bostad Ab (Chairman), Fazer Ab (Chairman), Stena Ab (Board Member)

Casper von Koskull has been a Director of Citigroup since January 2023, with over 35 years of experience in institutional and international finance.

Diana L. Taylor

Board

Director

Brookfield Corporation (Director), Accion (Chair of the Board), Columbia Business School (Board of Overseers)

Diana Taylor has been a Director of Citigroup since 2009, with extensive experience in financial services and regulatory compliance.

Duncan P. Hennes

Board

Director

RenaissanceRe Holdings Ltd. (Board Member)

Duncan Hennes has been a Director of Citigroup since 2013, with extensive experience in risk management, financial services, and corporate governance.

Ellen M. Costello

Board

Director

The Economic Club of Chicago (Member)

Ellen Costello has been a Director of Citigroup since 2016, with extensive experience in financial services, risk management, and regulatory compliance.

Gary M. Reiner

Board

Director

Hewlett Packard Enterprise Company (Board Member)

Gary Reiner has been a Director of Citigroup since 2013, with expertise in technology, cybersecurity, and data management.

Grace E. Dailey

Board

Director

N/A

Grace Dailey has been a Director of Citigroup since 2019, with 36 years of experience as a banking regulator, focusing on risk management and regulatory compliance.

James S. Turley

Board

Director

Emerson Electric Co. (Board Member), Northrop Grumman Corporation (Board Member), Precigen, Inc. (Board Member)

James Turley has been a Director of Citigroup since 2013, with expertise in financial reporting, corporate governance, and risk management.

John C. Dugan

Board

Chair of Citigroup Inc.

Mitsubishi UFJ Financial Group, Inc. (Global Advisory Board Member), University of Michigan’s “Michigan in Washington” Program (Advisory Board Member)

John Dugan has been Chair of Citigroup Inc. since January 2019, with a background in regulatory, legal, and compliance matters.

Peter B. Henry

Board

Director

Nike, Inc. (Board Member), Analog Devices, Inc. (Board Member), National Bureau of Economic Research (Board Member)

Peter Henry has been a Director of Citigroup since 2015, providing insights on emerging markets and international business.

Renée J. James

Board

Director

Ampere Computing (Founder, Chair, and CEO), Oracle Corporation (Board Member)

Renée James has been a Director of Citigroup since 2016, with a background in technology leadership and cybersecurity.

S. Leslie Ireland

Board

Director

The Stimson Center (Board Member), Chubb Insurance (Cyber Advisory Board Member), KnightSwan Acquisition Corp. (Director)

S. Leslie Ireland has been a Director of Citigroup since 2017, with expertise in financial intelligence, cybersecurity, and risk management.

  1. Given the progress you've made on the transformation and regulatory consent orders, why did you receive an amended consent order related to data quality and regulatory reporting, and is this an issue of insufficient resources or needing to change your approach?

  2. You mentioned that you closed a BSA/AML order this quarter, yet concerns remain about your data quality and regulatory reporting; can you clarify whether these issues are impacting your ability to serve clients or causing any operational disruptions?

  3. With your stock trading at $64 compared to a tangible book value of $90, why aren't you being more aggressive in repurchasing shares, especially given the disconnect between your performance and stock price?

  4. In light of concerns about judicial reform in Mexico and the potential negative impact on Banamex's valuation, how do you plan to proceed with the IPO, and are you prepared to delay it if market conditions don't improve?

  5. Despite improvements in net interest income in certain areas, you've guided for NII ex-markets to be roughly flat sequentially and slightly down for the full year; what's driving this headwind, and how do you plan to address it going forward?

Research analysts who have asked questions during CITIGROUP earnings calls.

Ebrahim Poonawala

Bank of America Securities

7 questions for C

Also covers: , BK, BMO +30 more

Erika Najarian

UBS

7 questions for C

Also covers: AXP, BAC, CFG +14 more

Gerard Cassidy

RBC Capital Markets

7 questions for C

Also covers: BAC, BK, BPOP +14 more

Betsy Graseck

Morgan Stanley

6 questions for C

Also covers: BAC, BK, GS +8 more

Glenn Schorr

Evercore ISI

6 questions for C

Also covers: APO, BAC, BEN +14 more

John McDonald

Truist Securities

6 questions for C

Also covers: BAC, FHN, GRDN +6 more

James Mitchell

Seaport Global Holdings LLC

5 questions for C

Also covers: BAC, BK, EVR +9 more

Matthew O'Connor

Deutsche Bank

5 questions for C

Also covers: BAC, CFG, FITB +11 more

Saul Martinez

HSBC

5 questions for C

Also covers: AXP, BAC, GS +6 more

Ken Usdin

Autonomous Research

4 questions for C

Also covers: BAC, BK, CFG +11 more

Mike Mayo

Wells Fargo

4 questions for C

Also covers: BAC, BK, CMA +11 more

Michael Mayo

Wells Fargo

3 questions for C

Also covers: BAC, BK, FITB +10 more

Chris McGratty

KBW

2 questions for C

Also covers: BAC, CFG, FHN +11 more

Christopher McGratty

Keefe, Bruyette & Woods

2 questions for C

Also covers: ASB, BAC, BANC +33 more

Steven Alexopoulos

JPMorgan Chase & Co.

2 questions for C

Also covers: BAC, CFG, FCNCA +10 more

Vivek Juneja

JPMorgan Chase & Co.

2 questions for C

Also covers: BAC, NTRS, STT +2 more

Jim Mitchell

Seaport Global

1 question for C

Also covers: BAC, EVR, JPM +2 more

Kenneth Usdin

Jefferies

1 question for C

Also covers: BK, FITB, HBAN +7 more

Ryan Kenny

Morgan Stanley

1 question for C

Also covers: EVR, HLI, LAZ +2 more
YearAmount Due (in billions)Debt TypeInterest Rate (%)% of Total Debt
202411.8 Long-Term Debt (Bank & Non-Bank)Not provided3.9% = (11.8 / 299.1) * 100
202543.7 Long-Term Debt (Bank & Non-Bank)Not provided14.6% = (43.7 / 299.1) * 100
202649.6 Long-Term Debt (Bank & Non-Bank)Not provided16.6% = (49.6 / 299.1) * 100
202727.2 Long-Term Debt (Bank & Non-Bank)Not provided9.1% = (27.2 / 299.1) * 100
202830.3 Long-Term Debt (Bank & Non-Bank)Not provided10.1% = (30.3 / 299.1) * 100
202917.5 Long-Term Debt (Bank & Non-Bank)Not provided5.8% = (17.5 / 299.1) * 100
Thereafter119.0 Long-Term Debt (Bank & Non-Bank)7.625% (Trust Preferred) 39.8% = (119.0 / 299.1) * 100
NameStart DateEnd DateReason for Change
KPMG LLP1969PresentCurrent auditor
Citations: The auditor, KPMG LLP, has served as Citigroup's auditor since 1969.  **[0000831001-24-000033_c-20231231.htm:211]**

Recent press releases and 8-K filings for C.

Citigroup-led Imprint securitization upsized to $300M, rated AAA by Fitch
·$C
Debt Issuance
  • Imprint Payments closed its inaugural ABS, backed by co-branded credit card receivables, upsizing the deal 50% from $200 M to $300 M on strong demand and received a AAA rating from Fitch Ratings.
  • The ABS priced at approximately 160 basis points over benchmarks.
  • The transaction was led by Citigroup, Mizuho, Truist Securities, and HSBC, with US Bancorp and First Citizens Capital Securities as co-managers.
  • Proceeds will support growth across Imprint’s co-branded card programs, diversify funding sources, and establish a repeatable capital markets platform.
Oct 15, 2025, 5:30 PM
Citigroup reports Q3 2025 results
·$C
Earnings
Guidance Update
Share Buyback
  • Citigroup delivered $3.8 billion in net income and $1.86 EPS (ROTC 8%), and on an adjusted basis EPS was $2.24 (adjusted ROTC 9.7%), on $22.1 billion of revenues, up 9% year-over-year.
  • All five businesses generated record or double-digit revenue growth: Services +7%, Markets +15%, Banking +34%, Wealth +8%, and USPB revenue reached $5.3 billion with ROTC >14%.
  • Returned over $6 billion of capital in Q3 (including $5 billion of share repurchases; YTD repurchases $8.75 billion), and ended the quarter with a CET1 ratio of 13.2%, 110 bps above the requirement.
  • Raised full-year guidance: expect revenues to exceed $84 billion, NII ex-markets up ~5.5%, and a full-year efficiency ratio slightly below 64%; credit outlook unchanged.
Oct 14, 2025, 3:00 PM
Citi reports Q3 2025 earnings
·$C
Earnings
Share Buyback
Dividends
  • Citi reported Q3 2025 revenues of $22.1 billion, up 9% YoY, with net income of $3.8 billion (+16% YoY) and EPS of $1.86 (+23% YoY).
  • Efficiency ratio improved ~30 bps YoY to 65%, and ROTCE rose 100 bps YoY to 8.0% (9.7% ex-notable item).
  • CET1 capital ratio stood at 13.2%, about 110 bps above the regulatory requirement.
  • Returned $6.1 billion to shareholders in the quarter via buybacks and dividends, and increased the quarterly dividend to $0.60 per share.
Oct 14, 2025, 3:00 PM
Citigroup reports Q3 2025 results
·$C
Earnings
Share Buyback
M&A
  • Citigroup delivered revenues of $22.1 billion (up 9% YoY) and net income of $3.8 billion ($1.86 EPS) in Q3 2025.
  • All major businesses achieved record Q3 revenues: Services up 7% to its best quarter ever, Markets up 15% to its strongest Q3, Banking up 34%, and Wealth reported $18.6 billion in net new investment assets.
  • The firm returned $6.1 billion to shareholders through share repurchases and dividends, reaching a 176% payout ratio, and ended the quarter with a book value per share of $108.41 and tangible book value of $95.72.
  • Citi advanced its strategic simplification by agreeing to sell a 25% equity stake in Banamex, reinforcing its commitment to shareholder value.
Oct 14, 2025, 2:08 PM
Citigroup Q3 2025 profit rises 16% on record revenue
·$C
Earnings
Share Buyback
  • Citigroup’s Q3 net income rose 16% year-over-year to $3.8 billion, with EPS up 23% to $1.86, beating analyst expectations.
  • Markets revenue increased 15% to $5.6 billion, led by stronger fixed income and equity trading.
  • All five business divisions delivered record revenues, including 31.3% growth in banking and 8% in wealth management.
  • Adjusted net income was $4.5 billion (or $2.24 per share) after excluding a $726 million goodwill impairment from the Banamex sale; the bank returned $6.1 billion to shareholders via buybacks and dividends.
Oct 14, 2025, 12:23 PM
Citi plans 2026 crypto custody service for institutional clients
·$C
Product Launch
New Projects/Investments
  • Citi will offer a crypto custody service by 2026, enabling institutional clients to securely hold native assets like bitcoin and ether.
  • The service employs a hybrid custody model, combining in-house technology with third-party partnerships to support diverse asset types.
  • The initiative aligns with Citi’s broader blockchain pivot in a friendlier regulatory climate under the GENIUS Act and Trump administration policies.
  • It augments existing crypto efforts, including investments in stablecoin payment startups and exploration of tokenized deposits.
Oct 13, 2025, 12:23 PM
Navan pursues $6.5B IPO amid government shutdown
·$C
Delisting/Listing Issues
  • Navan plans to raise $960 million by selling 30 million shares at $24–$26 each, targeting a $6.5 billion valuation in its US IPO.
  • The IPO is backed by major institutions including Goldman Sachs, Citigroup, Jefferies, Mizuho, Morgan Stanley, Lightspeed, and Andreessen Horowitz.
  • The filing uses SEC rules for automatic approval during the federal shutdown, though staff can still later request amendments or questions.
  • Navan posted 32% revenue growth to $613 million over the trailing 12 months, alongside a $188 million loss, per updated filings.
Oct 11, 2025, 12:53 AM
Citigroup co-manages $900 million SunStrong residential solar ABS
·$C
Debt Issuance
  • SunStrong closed a $900 million asset-backed securitization of residential solar assets—the largest solar ABS issuance this year—priced on September 19 and closed on September 30, 2025.
  • The deal comprises four tranches: public Class A-1 (coupon 5.95%), private A-2, and retained Classes B and C.
  • The pool includes 64,024 solar assets (≈528 MW capacity) across 18 states with a weighted average FICO of 763.
  • ATLAS SP Partners acted as sole structuring agent and joint bookrunner; ING Financial Markets was joint bookrunner; Bank of America Securities and Citigroup were co-managers.
Oct 2, 2025, 9:00 PM
Citigroup hosts Trump family trust
·$C
New Projects/Investments
  • The trust established at Citigroup by Eric Trump holds President Trump’s assets and is managed by select personnel including wealth management head Andy Sieg under tight controls.
  • Citigroup faced $136 million in fines from the Federal Reserve and OCC in mid-2024 for risk management deficiencies and is working to resolve the consent orders.
  • Its wealth management division offers services such as stock-collateralized loans and block trades, leveraging historical financing ties with the Trump family.
  • Citigroup reported $83.11 billion in revenue, a 6.7% three-year revenue growth rate, 17.06% net margin, and issued $59.4 billion in new debt over the past three years.
Oct 2, 2025, 8:27 AM
Citi integrates Token Services with 24/7 USD Clearing for real-time cross-border payments
·$C
Product Launch
  • Citi has integrated its Citi Token Services blockchain platform with its 24/7 USD Clearing solution, enabling near-instant, round-the-clock cross-border USD payments for institutional clients in the US and UK.
  • The solution delivers continuous multibank interoperability, reducing payment delays and optimizing real-time liquidity management across Citi and non-Citi accounts.
  • Initially available for clients with Citi accounts in the UK and US, the offering will be expanded to additional geographies in the future.
  • Citi’s 24/7 USD Clearing network supports over 250 banks across more than 40 markets, facilitating seamless global USD transactions.
Sep 29, 2025, 12:00 PM