Citigroup

Citigroup's employees fell 0.490% to 203,000 in 1Q2019

By Helgi Analytics - November 05, 2019

Citigroup employed 203,000 persons in 2019-03-31, down 0.490% when compared to the previous year. Historically, the bank's workf...

Citigroup's net profit rose 9.20% to USD 4,710 mil in 1Q2019

By Helgi Analytics - November 05, 2019

Citigroup made a net profit of USD 4,710 mil in the first quarter of 2019, up 1.95% when compared to the same period of last year...

Citigroup's npls (as % of loans) rose 0.550% to 2.01% in 1Q2019

By Helgi Analytics - November 05, 2019

Citigroup's non-performing loans reached 2.01% of total loans at the end of 2019-03-31, down from 2.03% compared to the previous ...

Profit Statement 2016 2017 2018
Net Interest Income USD mil 45,476 45,061 46,562
Fee Income (As % Of Revenues) % 16.5 17.5 16.3
Other Income USD mil 13,643 14,676 14,435
Total Revenues USD mil 70,797 72,444 72,854
Staff Cost USD mil 20,970 21,181 21,154
Operating Profit USD mil 28,459 30,212 31,013
Provisions USD mil 6,982 7,451 7,568
Net Profit USD mil 14,912 -6,798 18,045
Balance Sheet 2016 2017 2018
Interbank Loans USD mil 137,451 156,741 164,460
Customer Loans USD mil 612,309 654,679 671,881
Debt Securities USD mil 590,117 584,768 629,291
Total Assets USD mil 1,792,080 1,842,460 1,917,380
Shareholders' Equity USD mil 226,143 201,672 197,074
Interbank Borrowing USD mil 141,821 156,277 177,768
Customer Deposits USD mil 929,406 959,822 1,013,170
Issued Debt Securities USD mil 377,424 406,189 408,650
Ratios 2016 2017 2018
ROE % 6.64 -3.18 9.05
ROA % 0.846 -0.374 0.960
Costs (As % Of Assets) % 2.40 2.32 2.23
Costs (As % Of Income) % 59.8 58.3 57.4
Capital Adequacy Ratio % 16.2 16.3 16.2
Net Interest Margin % 2.58 2.48 2.48
Loans (As % Of Deposits) % 65.9 68.2 66.3
NPLs (As % Of Loans) % 0.923 0.716 2.00
Provisions (As % Of NPLs) % 209 259 90.0
Valuation 2016 2017 2018
Market Capitalisation (End Of Period) USD mil 171,919 193,797 125,085
Share Price (End Of Period) CZK 61.1 74.4 52.1
Price/Earnings (P/E) 11.5 ... 6.93
Price/Book Value (P/BV) 0.760 0.961 0.635
Earnings Per Share (EPS) 5.30 -2.61 7.51
Book Value Per Share 80.4 77.4 82.0

Get all company financials in excel:

Download Sample   $19.99

summary Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                              
Net Interest Income USD mil                 46,686 46,793 47,993 46,630 45,476    
Total Revenues USD mil                 69,190 76,419 77,219 76,354 70,797    
Operating Profit USD mil                 19,154 28,011 22,168 32,739 28,459    
Net Profit USD mil                 7,541 13,673 7,310 17,242 14,912    
balance sheet                              
Interbank Loans USD mil ... ...             102,134 169,005 128,089 112,197 137,451    
Customer Loans USD mil ... ...             630,009 645,824 628,641 604,991 612,309    
Debt Securities USD mil ... ...             573,637 566,017 576,013 562,630 590,117    
Total Assets USD mil ... ...             1,864,660 1,880,380 1,842,180 1,731,210 1,792,080    
Shareholders' Equity USD mil ... ...             190,997 206,133 211,696 223,092 226,143    
Interbank Borrowing USD mil ... ...             211,236 203,512 173,438 146,496 141,821    
Customer Deposits USD mil ... ...             930,560 968,273 899,332 907,887 929,406    
Issued Debt Securities USD mil ... ...             407,039 388,822 420,451 339,866 377,424    
ratios                              
ROE % ... ...             4.07 6.89 3.50 7.93 6.64    
ROA % ... ...             0.403 0.730 0.393 0.965 0.846    
Costs (As % Of Assets) % ... ...             2.68 2.59 2.96 2.44 2.40    
Costs (As % Of Income) %                 72.3 63.3 71.3 57.1 59.8    
Capital Adequacy Ratio % ... ... ...           17.3 16.7 12.8 15.3 16.2    
Net Interest Margin % ... ...             2.50 2.50 2.58 2.61 2.58    
Interest Income (As % Of Revenues) %                 67.5 61.2 62.2 61.1 64.2    
Fee Income (As % Of Revenues) %                 18.2 16.9 16.9 15.5 16.5    
Staff Cost (As % Of Total Cost) %                 50.2 49.5 43.5 49.9 49.5    
Equity (As % Of Assets) % ... ...             10.2 11.0 11.5 12.9 12.6    
Loans (As % Of Deposits) % ... ...             67.7 66.7 69.9 66.6 65.9    
Loans (As % Assets) % ... ...             33.8 34.3 34.1 34.9 34.2    
NPLs (As % Of Loans) % ... ... ...           0.632 0.582 1.14 0.885 0.923    
Provisions (As % Of NPLs) % ... ... ...           614 508 217 231 209    
valuation                              
Market Capitalisation (End Of Period) USD mil ... ... ...           119,353 157,556 165,914 155,542 171,919    
Number Of Shares (Average) mil ... ... ...           3,017 3,035 3,032 2,970 2,814    
Share Price (End Of Period) CZK ... ... ...           39.6 51.9 54.7 52.4 61.1    
Earnings Per Share (EPS) ... ... ...           2.50 4.51 2.41 5.81 5.30    
Book Value Per Share ... ... ...           63.3 67.9 69.8 75.1 80.4    
Price/Earnings (P/E) ... ... ...   ... ...     15.8 11.5 22.7 9.02 11.5 ...  
Price/Book Value (P/BV) ... ... ...           0.625 0.764 0.784 0.697 0.760    
Earnings Per Share Growth % ... ... ... ...         -32.2 80.3 -46.5 141 -8.74    
Book Value Per Share Growth % ... ... ... ...         5.87 7.30 2.80 7.58 6.96    
income statement Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                              
Interest Income USD mil                 67,298 62,970 61,683 58,551 57,988    
Interest Cost USD mil                 20,612 16,177 13,690 11,921 12,512    
Net Interest Income USD mil                 46,686 46,793 47,993 46,630 45,476    
Net Fee Income USD mil                 12,584 12,941 13,032 11,848 11,678    
Other Income USD mil                 9,920 16,685 16,194 17,876 13,643    
Total Revenues USD mil                 69,190 76,419 77,219 76,354 70,797    
Staff Cost USD mil                 25,119 23,967 23,959 21,769 20,970    
Depreciation USD mil                 3,266 3,165 3,178 2,878 2,542    
Other Cost USD mil                 21,651 21,276 27,914 18,968 18,826    
Operating Cost USD mil                 50,036 48,408 55,051 43,615 42,338    
Operating Profit USD mil                 19,154 28,011 22,168 32,739 28,459    
Provisions USD mil                 11,329 8,514 7,467 7,913 6,982    
Extra and Other Cost USD mil                 0 0 0 0 0    
Pre-Tax Profit USD mil                 7,825 19,497 14,701 24,826 21,477    
Tax USD mil                 7.00 5,867 7,197 7,440 6,444    
Minorities USD mil                 219 227 192 90.0 63.0    
Net Profit USD mil                 7,541 13,673 7,310 17,242 14,912    
growth rates                              
Net Interest Income Growth % ...               -2.02 0.229 2.56 -2.84 -2.47    
Net Fee Income Growth % ...               0.753 2.84 0.703 -9.09 -1.43    
Total Revenue Growth % ...               -10.4 10.4 1.05 -1.12 -7.28    
Operating Cost Growth % ...               -0.287 -3.25 13.7 -20.8 -2.93    
Operating Profit Growth % ...               -29.3 46.2 -20.9 47.7 -13.1    
Pre-Tax Profit Growth % ...               -46.8 149 -24.6 68.9 -13.5    
Net Profit Growth % ...               -31.9 81.3 -46.5 136 -13.5    
balance sheet Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                              
Cash USD mil ... ...             36,453 29,885 32,108 20,900 23,043    
Interbank Loans USD mil ... ...             102,134 169,005 128,089 112,197 137,451    
Customer Loans USD mil ... ...             630,009 645,824 628,641 604,991 612,309    
Retail Loans USD mil ... ...             408,671 393,831 365,943 325,785 325,063    
Corporate Loans USD mil ... ...             246,793 271,641 278,692 291,832 299,306    
Debt Securities USD mil ... ...             573,637 566,017 576,013 562,630 590,117    
Fixed Assets USD mil ... ...             151,357 130,322 126,688 128,723 131,068    
Total Assets USD mil ... ...             1,864,660 1,880,380 1,842,180 1,731,210 1,792,080    
Shareholders' Equity USD mil ... ...             190,997 206,133 211,696 223,092 226,143    
Of Which Minority Interest USD mil ... ... ... ...         1,948 1,794 1,511 1,235 1,023    
Liabilities USD mil ... ...             1,673,660 1,674,250 1,630,480 1,508,120 1,565,930    
Interbank Borrowing USD mil ... ...             211,236 203,512 173,438 146,496 141,821    
Customer Deposits USD mil ... ...             930,560 968,273 899,332 907,887 929,406    
Issued Debt Securities USD mil ... ...             407,039 388,822 420,451 339,866 377,424    
Other Liabilities USD mil ... ...             124,828 113,642 137,264 113,869 117,283    
asset quality                              
Non-Performing Loans USD mil ... ... ...           4,145 3,870 7,367 5,463 5,765    
Gross Loans USD mil ... ...             655,464 665,472 644,635 617,617 624,369    
Total Provisions USD mil ... ...             25,455 19,648 15,994 12,626 12,060    
growth rates                              
Customer Loan Growth % ... ... ...           2.09 2.51 -2.66 -3.76 1.21    
Retail Loan Growth % ... ... ...           -3.47 -3.63 -7.08 -11.0 -0.222    
Corporate Loan Growth % ... ... ...           10.2 10.1 2.60 4.71 2.56    
Total Asset Growth % ... ... ...           -0.492 0.843 -2.03 -6.02 3.52    
Shareholders' Equity Growth % ... ... ...           6.36 7.92 2.70 5.38 1.37    
Customer Deposit Growth % ... ... ...           7.46 4.05 -7.12 0.951 2.37    
ratios Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ratios                              
ROE % ... ...             4.07 6.89 3.50 7.93 6.64    
ROA % ... ...             0.403 0.730 0.393 0.965 0.846    
Costs (As % Of Assets) % ... ...             2.68 2.59 2.96 2.44 2.40    
Costs (As % Of Income) %                 72.3 63.3 71.3 57.1 59.8    
Capital Adequacy Ratio % ... ... ...           17.3 16.7 12.8 15.3 16.2    
Tier 1 Ratio % ... ... ...           14.1 13.7 11.5 13.5 14.2    
Net Interest Margin % ... ...             2.50 2.50 2.58 2.61 2.58    
Interest Spread % ... ... ...           2.38 2.40 2.49 2.52 2.48    
Asset Yield % ... ...             3.60 3.36 3.31 3.28 3.29    
Cost Of Liabilities % ... ... ...           1.22 0.966 0.829 0.760 0.814    
Interest Income (As % Of Revenues) %                 67.5 61.2 62.2 61.1 64.2    
Fee Income (As % Of Revenues) %                 18.2 16.9 16.9 15.5 16.5    
Other Income (As % Of Revenues) %                 14.3 21.8 21.0 23.4 19.3    
Cost Per Employee USD per month ... ... ...           8,082 7,957 8,285 7,853 7,979    
Cost Per Employee (Local Currency) EUR per month ... ... ...           8,082 7,957 8,285 7,853 7,979    
Staff Cost (As % Of Total Cost) %                 50.2 49.5 43.5 49.9 49.5    
Equity (As % Of Assets) % ... ...             10.2 11.0 11.5 12.9 12.6    
Loans (As % Of Deposits) % ... ...             67.7 66.7 69.9 66.6 65.9    
Loans (As % Assets) % ... ...             33.8 34.3 34.1 34.9 34.2    
NPLs (As % Of Loans) % ... ... ...           0.632 0.582 1.14 0.885 0.923    
Provisions (As % Of NPLs) % ... ... ...           614 508 217 231 209    
Provisions (As % Of Loans) % ... ...             4.04 3.04 2.54 2.09 1.97    
Cost of Provisions (As % Of Loans) % ... ...             1.82 1.33 1.17 1.28 1.15    
other data Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
other data                              
Branches ... ... ...           4,008 3,729 2,888 2,754 2,618    
Employees ... ... ...           259,000 251,000 241,000 231,000 219,000    
Clients mil ... ... ...           65.0 64.4 55.4 54.4 54.6    
Risk-Weighted Assets USD mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...  

Get all company financials in excel:

Download Sample   $19.99

Citigroup's net interest margin fell 2.22% to 2.43% in 1Q2019

By Helgi Analytics - November 05, 2019

Citigroup's net interest margin amounted to 2.43% in the first quarter of 2019, down from 2.48% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.02% in 1Q2010 and an all time low of 2.14% ...

Citigroup's price/earnings (P/E) rose 15.5% to 8.01 in 1Q2019

By Helgi Analytics - November 05, 2019

Citigroup stock traded at CZK 62.0 per share at the end first quarter of 2019 implying a market capitalization of USD 145,182 mil. Since the end of 1Q2014, the stock has appreciated by 17.8 % implying an annual average growth of 3.33 %. In absolute terms, the value of...

Citigroup's market capitalisation (end of period) rose 16.1% to USD 145,182 mil in 1Q2019

By Helgi Analytics - November 05, 2019

Citigroup stock traded at JPY 2,137 per share at the end of first quarter of 2019 implying a market capitalization of USD 4,383 mil. Over the last five years, the stock has depreciated by 4.15 implying an annual average growth of -0.845% In absolute terms...

Citigroup's capital adequacy ratio rose 1.98% to 16.5% in 1Q2019

By Helgi Analytics - November 05, 2019

Citigroup's capital adequacy ratio reached 16.5% at the end of first quarter of 2019, up from 16.2% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 17.7% in 2Q2012 and an all time low of 10.6% in 3Q2007. T...

Citigroup's costs (as % of assets) rose 6.07% to 2.18% in 1Q2019

By Helgi Analytics - November 05, 2019

Citigroup's cost to income ratio reached 57.0% in the first quarter of 2019, down from 57.8% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 436% of income in 4Q2008 and an all time low of 40.0% in 2Q2009. ...

Citigroup's share price (end of period) rose 19.1% to CZK 62.0 in 1Q2019

By Helgi Analytics - November 05, 2019

Citigroup stock traded at CZK 62.0 per share at the end of first quarter of 2019 implying a market capitalization of USD 145,182 mil. Over the last five years, the stock has appreciated by 17.8 % implying an annual average growth of 3.33 %. In absolute terms, the valu...

Citigroup's net interest income fell 1.38% to USD 11,759 mil in 1Q2019

By Helgi Analytics - November 05, 2019

Citigroup generated total banking revenues of USD 18,576 mil in the first quarter of 2019, down 1.57% when compared to the same period of last year and up 8.48% when compared to the previous quarter. Historically, the bank’s revenues containing of...

Citigroup's equity (as % of assets) fell 2.12% to 10.1% in 1Q2019

By Helgi Analytics - November 05, 2019

Citigroup's Equity reached 10.1% of total assets in the 1Q2019, down from 10.6% for the previous year. As a share of net customer loans, the ratio amounted to 29.4% at the end of the first quarter of 2019. ...

Citigroup's provisions (as % of loans) rose 0.392% to 1.84% in 1Q2019

By Helgi Analytics - November 05, 2019

...

Citigroup's Cost of Risk fell 1.98% to 2.52% in 1Q2019

By Helgi Analytics - November 05, 2019

Citigroup's Cost of Risk (loan loss provisions as % of total assets) amounted to 2.52% in the first quarter of 2019, down from 2.57% when compared to the previous quarter. Historically, the bank’s cost of risk reached an all time high of 9.74% in 1Q2010 and ...

More News

Citigroup Logo

Finance

Citigroup has been growing its revenues and asset by 3.51% and -0.109% a year on average in the last 10 years. Its loans and deposits have grown by 0.109% and 2.73% a year during that time and loans to deposits ratio reached 66.3% at the end of 2018. The company achieved an average return on equity of 4.68% in the last decade with net profit growing nan% a year on average. In terms of operating efficiency, its cost to income ratio reached 57.4% in 2018, compared to 61.9% average in the last decade.

Equity represented 10.3% of total assets or 29.3% of loans at the end of 2018. Citigroup's non-performing loans were 2.00% of total loans while provisions covered some 90.0% of NPLs at the end of 2018.

Valuation

Citigroup stock traded at CZK 52.1 per share at the end of 2018 resulting in a market capitalization of USD 125,085 mil. Over the previous five years, stock price rose by 0.27% or 0.054% a year on average. That’s compared to an average ROE of 4.79% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 6.93x and price to book value (PBV) of 0.635x in 2018.

More Companies in American Banking Sector