花旗集团 Citigroup Inc.（C）2025年第二季度业绩报告「NYSE」（英文版）（39页）.pdf

1、Earnings Results PresentationSecond Quarter 2025July 15,2025Maximize 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)Simp

2、lify 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 cultureI

3、nvest 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 31.Main Priorities for 2025 and 20262SimplificationCulture an

4、d TalentTransformationEnhance Business PerformanceDelivering strong performance in 2Q25Note:All footnotes are presented starting on Slide 31.2Q25 and 1H25 Firmwide Key Highlights2Q25 revenues of$21.7 billion,up 8%YoY;1H25 revenues of$43.3 billion,up 5%YoY2Q25 expenses of$13.6 billion,efficiency rati

5、o of 63%improved by 340 bps YoY2Q25 RoTCE of 8.7%,up 150 bps YoY(1);1H25 RoTCE of 8.9%,up 150 bps YoY(1)Positive operating leverage for Citi and each of its five businesses in 2Q25 and 1H25CET1 Capital Ratio(2)of 13.5%,140 bps above current regulatory requirementReturned$3.1 billion to common shareh

6、olders through share repurchases and dividends in 2Q25 and$5.8 billion in 1H25,which includes$3.75 billion of share repurchasesBoard approved an increase to the common stock dividend to$0.60 per share,up from$0.56 per share,starting in 3Q25Indicative Stress Capital Buffer of 3.6%,down from the curre