Brief KPI Trend summary Report

of CITI Bank
Year 2021-2022

This report contains Major KPIs namely :

1. Revenues

2. Operating Expenses

3. Cost of credit

4. Net Income

Note : The above KPI are of different operational units of Citi bank respectively.
respectively.
Institutional Clients Group (ICG)
Revenue
Expected revenue growth to
$9.2 billion (3% YoY increase)
with significant increases in TTS,
Securities Services, and Markets
Revenues.
Cost of credit
$56 million (compared to $(281) million
in the prior-year period)
the reason could be
Net ACL Release for Loans and
Unfunded Commitments: $(54) million
Net Credit Losses: $104 million
Operating expenses
$6.6 billion (YoY 6% increase)
• Driven by:
• Transformation investments
• Business-led investments
• Volume-related expenses
• Foreign exchange translation
• Productivity savings
Net income
$1.9 billion (YoY 18% decrease)
• Driven by:
• Higher expenses
• Higher cost of credit
• Partially offset by higher revenues
Personal Banking and Wealth
Management (PBWM)
1 Revenue
Expected to increase to $6.1 billion (5%
YoY increase) driven by strong loan
growth across US Personal Banking and
higher interest rates.
3 Cost of credit
expected to increase to $1.7 billion
compared to $(296) million in the prior-
year period. it id driven by net build in the
ACL for loans and unfunded
commitments of $752 million in Q4’22
2 Operating Expenses
expected to increase to $4.3 billion (i.e.,
YoY 7% increase), primarily driven by
transformation investments and other
risk and control initiatives.
4 Net Income
Overall net income is expected to
decrease to $114 million (93% YoY
decrease), driven by higher cost of credit
and expenses which also requires major
attention of senior management towards
PBWM
Legacy Franchises
Revenue
Expected to decrease to $2.1
billion (6% YoY decrease).
Expenses
Expected to decrease to $1.8
billion (38% YoY decrease),
driven by the absence of
divestiture-related costs.
Cost of credit
Expected to increase to $123
million compared to last year
$112 million, primarily due to a
larger net ACL release in the
prior-year period.

Net Income
Expected to be approximately $72 million compared to loss $616 million in the prior year period , reflecting lower
expenses and partially offset by lower revenues.

699M
Revenue
Expected to increase to $699
million from $131 Million.
Corporate/Other
431M 23%
Income from Continuing Expenses
Operations
Expected to drop to $247 million
Expected to be approximately $431 (23% YoY decrease), driven by
million, reflecting higher net lower consulting expenses.
revenue and lower expenses which
is better comparing to last year loss
of $144 Million.