花旗集团 Citigroup Inc.（C）2025年第三季度业绩报告「NYSE」（英文版）（45页）.pdf

1、Earnings Results PresentationThird Quarter 2025October 14,2025Maximize unique global networkScale WealthTarget share gains in Services,Banking,Markets and U.S.Personal BankingGrow Commercial Banking client segmentFocus on five core interconnected businessesExit 14 international consumer markets(1)Si

2、mplify 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 United StatesOur VisionDelivering on our Investor Day prioritiesBuild a winning cultur

3、eInvest in talentDeliver One Citi#1 priorityRelentless executionRegulatory remediationModernize infrastructure Data enhancementsLargely CompleteOur strategy and path forward remain unchangedNote:All footnotes are presented starting on Slide 35.Main Priorities for 2025 and 20262SimplificationCulture

4、and TalentTransformationEnhance Business Performance3Q25 revenues of$22.1 billion,up 9%YoY YTD 25 revenues of$65.4 billion,up 7%YoY3Q25 expenses of$14.3 billion,efficiency ratio of 65%improved 30 bps YoY Improved 360 bps YoY ex-notable item(1)3Q25 RoTCE of 8.0%,up 100 bps YoY(2)(9.7%ex-notable item(

5、1)YTD 25 RoTCE of 8.6%,up 140 bps YoY(2)(9.2%ex-notable item(1)Positive operating leverage in 3Q25 and YTD 25CET1 Capital Ratio(4)of 13.2%,110 bps above regulatory requirement during the quarterReturned$6.1 billion to common shareholders through share repurchases and dividends in 3Q25,which includes

6、$5.0 billion of share repurchases$12.0 billion YTD 25,which includes$8.75 billion of share repurchasesIncreased common dividend per share to$0.60Delivering strong performance in 3Q25Note:All footnotes are presented starting on Slide 35.3Q25 and YTD 25 Firmwide Key Highlights3Revenues3Q25$22.1 billio