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Citigroup (C) investor relations material
Citigroup Barclays 23rd Annual Global Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Barclays 23rd Annual Global Financial Services Conference summary9 Sep, 2025
Conference highlights
Citi has achieved five consecutive quarters of positive operating leverage and continues to simplify operations, modernize infrastructure, and retire legacy applications.
All five business segments reported positive operating leverage in the latest quarter, with ongoing transformation and increased share repurchases.
Citi is focused on being a global leader in institutional banking, wealth management, and U.S. personal banking.
The company is executing a strategy centered on disciplined expense management and targeted investments for growth.
Progress includes exiting non-core markets, restructuring into five segments, and enhancing transparency for investors.
Macroeconomic and business outlook
The global economy remains resilient but faces persistent uncertainty, with attention on tariffs, inflation, and employment.
Rate cuts are expected to begin in September and continue through 2026, with slowing growth anticipated in the back half of the year and into 2026.
Strong engagement with corporate clients, robust M&A activity, and a healthy IPO pipeline are expected to drive growth.
Consumer spending, especially in branded cards, is up, with delinquencies and NCL rates within expected ranges.
Citi is well positioned to manage a lower rate environment and is leveraging its global services platform to support clients amid tariff and supply chain shifts.
Business segment performance and strategy
Services business remains a $20B high-margin operation, with strong U.S. dollar clearing and cross-border flows.
Digitization and new offerings like Citi Token Services are enhancing client capabilities for 24/7 money movement.
Recent regulatory changes and stablecoin developments present new opportunities for client service expansion.
Banking segment has seen methodical talent investments, driving top-line growth and increased fees, especially in M&A, healthcare, tech, and leveraged finance.
Wealth management is undergoing a reboot, with cost reductions funding investments in talent and technology, and partnerships with Palantir and BlackRock expanding offerings.
The new Strata Card targets high-end customers with competitive pricing and enhanced rewards, showing strong early uptake.
How is Citi leveraging AI for efficiency?
How will 2026 expenses be lower than 2025?
Services: Vision for evolving landscape?
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Next Citigroup earnings date
Q3 202514 Oct, 2025
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Frequently asked questions
A global bank with diverse services
Citigroup, commonly referred to as Citi, is a prominent global financial institution that offers a wide range of banking and financial services. With a global presence and a diverse portfolio of products and services, Citi caters to the needs of individuals, corporations, and governments worldwide. The company operates through multiple business segments, providing a comprehensive suite of banking, investment, and advisory services for its clients. Citi's extensive reach and expertise in the financial industry contribute to its position as a leading player in the global market.
Banking services
Citigroup operates through multiple business segments catered towards different types of clients. These segments include consumer banking, commercial banking, and wealth management.
In consumer banking, Citi offers a range of products and services such as banking accounts, credit cards, and loans to private individuals. In commercial banking, the company provides financial solutions and services tailored to the needs of businesses, including cash management, trade finance, and treasury services. Additionally, Citi's wealth management segment offers investment advisory and asset management services to help clients grow and preserve their wealth through intelligent investing. Through these segments, Citi aims to provide a solution to the financial needs of individuals, businesses, and high-net-worth individuals around the world. Citi is far from alone when it comes to offering these types of financial services to clients and some other businesses operating in the same industry and in a similar fashion to Citi include names like Goldman Sachs and JPMorgan.
The investment banking side of Citi
Citi's investment banking division provides a range of financial services to corporations, governments, and institutional clients. This includes advisory services for mergers and acquisitions, debt and equity underwriting, capital raising, and risk management solutions. Through its investment banking operations, Citi assists facilitating corporate transactions, helping clients access capital markets, and providing strategic financial advice. The division contributes to Citi's overall revenue by generating fee income and strengthening client relationships.
A global enterprise
Citigroup's global presence spans across multiple countries, allowing the company to operate in diverse markets and serve a wide range of clients. This global footprint provides Citigroup with access to international opportunities, a broad customer base, and a diverse set of economic conditions. It also enables the company to leverage its global network to deliver financial services efficiently and effectively, while capitalizing on growth prospects across geographies.
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