花旗集团 Citigroup Inc.（C）2025年第四季度及全年业绩报告「NYSE」（英文版）（42页）.pdf

1、Earnings Results PresentationFourth Quarter and Full Year 2025January 14,2026Agenda4Q25 and FY 2025 Financial Results3Financial Outlook19Appendix242Maximize unique global networkScale WealthTarget share gains in Services,Banking,Markets and U.S.Personal BankingGrow Commercial Banking client segmentF

2、ocus on five core interconnected businessesExit 14 international consumer markets(1)Simplify the organization and management structure Be the preeminent banking partner for institutions with cross-border needs,a global leader in wealth management and a valued personal bank in our home market of the

3、United StatesOur VisionDelivering on our Investor Day prioritiesBuild a winning cultureInvest in talentDeliver One Citi Over 80%of Transformation programs at or nearly at Citis target-state#1 priorityRelentless executionRegulatory remediationModernize infrastructureData enhancementsLargely CompleteO

4、ur strategy and path forward remain unchangedNote:All footnotes are presented starting on Slide 34.Main Priorities for 20263SimplificationCulture and TalentTransformationEnhance Firm and Business PerformanceReported revenues of$85.2 billion,up 6%YoYoRevenues ex-notable items(e)of$86.4 billion,up 7%Y

5、oYReported expenses of$55.1 billion,up 3%YoYoExpenses ex-notable items(e)of$54.4 billion,up 2%YoYDelivered positive operating leverage with 170 bps improvement in efficiency ratio YoYoOn an adjusted revenue and expense basis(e),efficiency ratio of 63.0%RoTCE of 7.7%,up 70 bps YoYo8.8%ex-notable item

6、s(e),up 180 bps YoYReported net income of$14.3 billion,up 13%YoYoNet income ex-notable items(e)of$16.1 billion,up 27%YoY EPS of$6.99,EPS ex-notable items(e)of$7.97CET1 Capital Ratio(b)of 13.2%,160 bps above regulatory capital requirement during the quarterReturned over$17.5 billion to common shareho