Citi's Steady Growth Amidst Competition: A Closer Look at 2025 Financial Performance

Summary

Citigroup's revenue in 2025 grew slightly, reflecting its positive performance in market demand, product diversification, and cost control. Although the growth was not significant, it still demonstrated the company's stability and potential market opportunities. Compared with its peers, Citigroup's revenue growth performance was moderate, and it needs to continue to focus on market competition and strategic adjustments.

Opportunities

1. Citigroup plans to achieve a growth of more than 10% in the size of its Hong Kong retail wealth management team in 2025, indicating strong market demand and possible further revenue growth.

2. Citigroup achieved a 20% YoY growth in wealth management business, providing a good foundation for future revenue.

3. The company is undergoing digital transformation and fintech investment to adapt to market changes and drive revenue growth.

Risks

1. Although market demand has recovered, Citigroup may face pressure on market share in the competitive financial market.

2. The company is undergoing restructuring, and job cuts and resource optimization may affect revenue stability in the short term.

3. The industry's technological transformation and the introduction of AI technology may intensify competition and increase the challenges faced by the company.