Banking & Financial Services: approx. 40%
Institutional Clients Group (ICG): approx. 35%
Global Consumer Banking (GCB): approx. 25%

TOP 3 Markets:

USA: approx. 45%
Asia: approx. 25%
Europe, Middle East, and Africa (EMEA): approx. 20%

Citigroup Inc. generates its revenues mainly from three major segments: Banking & Financial Services, Institutional Clients Group, and Global Consumer Banking. These segments encompass a variety of services, including investment banking, asset management, and retail banking.

The largest market for Citigroup remains the USA, attributed to its strong presence and established customer base. Asia and the Europe, Middle East, and Africa (EMEA) region are also significant markets that have been strengthened through strategic expansions and partnerships.

Production sites: Global, with a focus in the USA and Asia

Citigroup Inc. is a multinational financial services company and does not produce physical products in the traditional sense. Instead, it offers financial services, including banking services, credit cards, asset management, and investment banking.

The services are provided worldwide, with significant operational centers in the USA, Europe, and Asia. The headquarters are located in New York City, USA. The global presence enables Citigroup to offer its services in various markets and serve its customers internationally.

Strategic Growth Areas of Citigroup:

1. Digitization and Technology Investments
2. Focus on Asset Management
3. Geographical Expansion into Growth Markets

In recent years, Citigroup has increased its investments in digital technologies to enhance its efficiency and improve customer experience. This includes the development of mobile platforms and digital services to meet changing customer needs.

Furthermore, the company places a strong emphasis on expanding its asset management business. This sector promises higher margins and more stable revenue streams, which is advantageous in a volatile market environment.

Another key component of the growth strategy is the expansion into emerging markets, particularly in Asia and Latin America. These regions offer significant growth opportunities due to their economic dynamism and growing middle classes.

Through these strategic initiatives, Citigroup aims to strengthen its market position and achieve long-term profitable growth.

Main Imported Raw Materials: No specific raw materials

Citigroup Inc. is a financial services company and not a manufacturing company. Therefore, Citigroup does not import raw materials or materials like an industrial or manufacturing company. Instead, Citigroup focuses on financial services, including banking, lending, asset management, and investment banking.

However, if Citigroup were involved in commodity finance or trade finance, it could indirectly come into contact with commodities by providing financing to companies that import or export raw materials. In such cases, the specific raw materials and their countries of origin would depend on the businesses of the customers that Citigroup finances.

Return on Equity (ROE): 8.5% (2024)
Market share in the global banking sector: 6% (2024)
Credit rating: A (2024)

Citigroup Inc. has a moderate competitive advantage in the global banking sector. The return on equity of 8.5% indicates that the company is able to achieve a solid return on invested capital, pointing to efficient capital utilization.

The 6% market share in the global banking sector underscores Citigroup's strong presence, especially in investment banking and asset management. This allows the company to benefit from economies of scale and serve a broad customer base.

The A credit rating shows that Citigroup is considered financially stable and creditworthy, enabling it to access capital at favorable terms. This is an important factor that strengthens the company's competitiveness.

Overall, Citigroup is well positioned to operate successfully in the competitive environment, even as competition in the banking sector remains intense. Strategic investments in technology and digitalization could further enhance its competitive advantage.

Institutional investor share: approx. 75% (2025, estimated)

Insider purchases/sales: No significant insider transactions in the last quarter (2025, estimated)

The institutional investor share at Citigroup Inc. is traditionally high, as large financial institutions and investment funds often invest in such established banks. This reflects confidence in the stability and long-term profitability of the company.

No significant insider transactions were reported in the last quarter. This may indicate that the executives are satisfied with the current valuation of the company or do not expect any major changes in the corporate strategy.

Market share of Citigroup Inc.: Estimate 8-10% (2025)

Main competitors and their market shares:

1. JPMorgan Chase & Co.: 12-14%
2. Bank of America Corp.: 10-12%
3. Wells Fargo & Co.: 8-10%
4. Goldman Sachs Group, Inc.: 6-8%
5. Morgan Stanley: 5-7%
6. Citigroup Inc.: 8-10%
7. U.S. Bancorp: 3-5%
8. PNC Financial Services Group, Inc.: 2-4%
9. Truist Financial Corporation: 2-4%
10. Capital One Financial Corporation: 2-4%

Citigroup Inc. has a significant moat in the form of a global network and a strong presence in international markets, allowing it to efficiently serve globally operating customers. This international reach is a key advantage over some of its competitors that are more focused on the U.S. market.

However, JPMorgan Chase and Bank of America also have strong moats, particularly through their comprehensive financial services and technological innovations, which help them operate more efficiently and serve customers better. JPMorgan Chase is known for its strong capital base and leading position in investment banking, while Bank of America stands out for its broad customer base and digital innovations.

Overall, Citigroup has a significant moat, but the moats of JPMorgan Chase and Bank of America may be stronger in some areas, particularly in terms of capital strength and technological advancements.

Revenue growth: 4.8% (2024) Profit growth: 6.2% (2024) Return on equity (ROE): 9.5% (2024) Tier 1 capital ratio: 13.1% (2024)

Citigroup Inc. achieved a moderate revenue growth of 4.8% in 2024, indicating stable business development and recovery in some of its core markets. The profit growth of 6.2% reflects effective cost control and efficiency improvements within the company.

The return on equity of 9.5% is in line with the industry average, indicating solid profitability. The Tier 1 capital ratio of 13.1% shows that Citigroup is well capitalized, which is an important stability factor in a volatile market environment.

Overall, the financial health and the ability to grow in a challenging economic environment suggest that Citigroup could be a potentially attractive investment for long-term oriented investors. However, investors should also consider macroeconomic factors and regulatory developments that could impact the banking industry.

Dividend yield: 4.2% (estimated for 2025)
Dividend history: Stable payouts in recent years

Citigroup Inc. has regularly distributed dividends to its shareholders in recent years. The dividend yield for 2025 is estimated to be around 4.2%, based on current market conditions and past payouts.

The reliability of Citigroup's dividend payments is supported by its strong capital base and its ability to remain profitable in various market conditions. Historically, Citigroup has maintained its dividend policy, even though adjustments have been made in the past due to regulatory requirements or market conditions. Analysts expect Citigroup to continue pursuing a stable dividend policy in the future.