附录 99.2
花旗集团—季度财务数据补编 |
| 1Q24 | |
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| 页面 | | |
花旗集团 | | | |
财务摘要 | | 1 | |
合并收益表 | | 2 | |
合并资产负债表 | | 3 | |
运营部门、报告单位和组成部分——净收入和收入 | | 4 | |
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服务 | | 5 | |
市场 | | 6 | |
银行业 | | 7 | |
美国个人银行 (USPB) | | 8 | |
指标 | | 9 | |
财富 | | 10 | |
所有其他 | | 11 | |
传统特许经营权 | | 12 | |
公司/其他 | | 13 | |
协调项目——资产剥离相关影响 | | 14 | |
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花旗集团补充详情 | | | |
平均余额和利率 | | 15 | |
EOP 贷款 | | 16 | |
EOP 存款 | | 17 | |
信用损失备抵金 (ACL) 向前滚动 | | 18 | |
贷款信贷损失备抵金(ACLL)和无准备金贷款承诺(ACLUC) | | 19 - 20 | |
非应计资产 | | 21 | |
CET1 资本和补充杠杆比率、有形普通股、每股账面价值和每股有形账面价值 | | 22 | |
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花旗集团财务摘要
(以百万美元计,每股金额除外,另有说明)
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| 24 年第一季度增长/ | |||||||
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | (减少)从 | |||||||
| | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 4Q23 |
| 1Q23 | |||||
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总收入,扣除利息支出(1)(2) | | $ | 21,447 | | $ | 19,436 | | $ | 20,139 | | $ | 17,440 | | $ | 21,104 | | 21% | | (2%) |
运营费用总额(3)(4)(5) | | | 13,289 | | | 13,570 | | | 13,511 | | | 15,996 | | | 14,195 | | (11%) | | 7% |
净信贷损失(NCL) | | | 1,302 | | | 1,504 | | | 1,637 | | | 1,994 | | | 2,303 | | 15% | | 77% |
为贷款建立(发放)信贷储备 | | | 435 | | | 257 | | | 179 | | | 478 | | | 119 | | (75%) | | (73%) |
为无准备金的贷款承诺准备金/(发放) | | | (194) | | | (96) | | | (54) | | | (81) | | | (98) | | (21%) | | 49% |
福利和索赔、其他资产和HTM债务证券准备金 | | | 432 | | | 159 | | | 78 | | | 1,156 | | | 41 | | (96%) | | (91%) |
信贷损失准备金、福利和索赔准备金 | | | 1,975 | | | 1,824 | | | 1,840 | | | 3,547 | | | 2,365 | | (33%) | | 20% |
所得税前持续经营的收入(亏损) | | | 6,183 | | | 4,042 | | | 4,788 | | | (2,103) | | | 4,544 | | NM | | (27%) |
所得税(福利) | | | 1,531 | | | 1,090 | | | 1,203 | | | (296) | | | 1,136 | | NM | | (26%) |
来自持续经营的收入(亏损) | | | 4,652 | | | 2,952 | | | 3,585 | | | (1,807) | | | 3,408 | | NM | | (27%) |
已终止业务的收入(亏损),扣除税款 | | | (1) | | | (1) | | | 2 | | | (1) | | | (1) | | - | | - |
扣除非控股权益前的净收益(亏损) | | | 4,651 | | | 2,951 | | | 3,587 | | | (1,808) | | | 3,407 | | NM | | (27%) |
归属于非控股权益的净收益(亏损) | | | 45 | | | 36 | | | 41 | | | 31 | | | 36 | | 16% | | (20%) |
花旗集团的净收益(亏损) | | $ | 4,606 | | $ | 2,915 | | $ | 3,546 | | $ | (1,839) | | $ | 3,371 | | NM | | (27%) |
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摊薄后的每股收益: | | | | | | | | | | | | | | | | | | | |
来自持续经营的收入(亏损) | | $ | 2.19 | | $ | 1.33 | | $ | 1.63 | | $ | (1.16) | | $ | 1.58 | | NM | | (28%) |
花旗集团的净收益(亏损) | | $ | 2.19 | | $ | 1.33 | | $ | 1.63 | | $ | (1.16) | | $ | 1.58 | | NM | | (28%) |
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优先股息 | | $ | 277 | | $ | 288 | | $ | 333 | | $ | 300 | | $ | 279 | | (7%) | | 1% |
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分配给无限制普通股股东的收入——基本 | | | | | | | | | | | | | | | | | | | |
来自持续经营的收入(亏损) | | $ | 4,296 | | $ | 2,595 | | $ | 3,158 | | $ | (2,217) | | $ | 3,048 | | NM | | (29%) |
花旗集团的净收益(亏损) | | 4,295 | | 2,594 | | 3,160 | | (2,218) | | 3,047 | | NM | | (29%) | |||||
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分配给无限制普通股股东的收入——摊薄 | | | | | | | | | | | | | | | | | | | |
来自持续经营的收入(亏损) | | $ | 4,307 | | $ | 2,610 | | $ | 3,174 | | $ | (2,217) | | $ | 3,063 | | NM | | (29%) |
花旗集团的净收益(亏损) | | 4,306 | | 2,609 | | 3,176 | | (2,218) | | 3,062 | | NM | | (29%) | |||||
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股票(单位:百万): | | | | | | | | | | | | | | | | | | | |
基本平均值 | | | 1,943.5 | | | 1,942.8 | | | 1,924.4 | | | 1,909.7 | | | 1,910.4 | | - | | (2%) |
稀释后的平均值 | | | 1,964.1 | | | 1,968.6 | | | 1,951.7 | | | 1,909.7 | | | 1,943.2 | | 2% | | (1%) |
期末已发行普通股 | | | 1,946.8 | | | 1,925.7 | | | 1,913.9 | | | 1,903.1 | | | 1,907.4 | | - | | (2%) |
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监管资本比率和绩效指标: | | | | | | | | | | | | | | | | | | | |
普通股第一级(CET1)资本比率(6)(7)(8) | | | 13.44% | | | 13.37% | | | 13.59% | | | 13.37% | | | 13.5% | | | | |
一级资本比率(6)(7)(8) | | | 15.31% | | | 15.24% | | | 15.40% | | | 15.02% | | | 15.1% | | | | |
总资本比率(6)(7)(8) | | | 15.40% | | | 15.84% | | | 15.78% | | | 15.13% | | | 15.2% | | | | |
补充杠杆比率(SLR)(6)(8)(9) | | | 5.96% | | | 5.97% | | | 6.04% | | | 5.82% | | | 5.8% | | | | |
平均资产回报率 | | | 0.76% | | | 0.47% | | | 0.58% | | | (0.30%) | | | 0.55% | | | | |
普通股平均回报率 | | | 9.5% | | | 5.6% | | | 6.7% | | | (4.5%) | | | 6.6% | | | | |
平均有形普通股(TCE)(以十亿美元计) | | $ | 161.1 | | $ | 164.1 | | $ | 165.3 | | $ | 165.2 | | $ | 164.7 | | - | | 2% |
有形普通股的平均回报率(RotCE)(10) | | | 10.9% | | | 6.4% | | | 7.7% | | | (5.1%) | | | 7.6% | | NM | | (330) bps |
效率比率(总运营费用/总收入,净额) | | | 62.0% | | | 69.8% | | | 67.1% | | | 91.7% | | | 67.3% | | NM | | 530 个基点 |
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资产负债表数据(以十亿美元计,每股金额除外): | | | | | | | | | | | | | | | | | | | |
总资产 | | $ | 2,455.1 | | $ | 2,423.7 | | $ | 2,368.5 | | $ | 2,411.8 | | $ | 2,432.5 | | 1% | | (1%) |
平均资产总额 | | | 2,462.2 | | | 2,465.6 | | | 2,413.8 | | | 2,427.3 | | | 2,450.3 | | 1% | | - |
贷款总额 | | | 652.0 | | | 660.6 | | | 666.3 | | | 689.4 | | | 674.6 | | (2%) | | 3% |
存款总额 | | | 1,330.5 | | | 1,319.9 | | | 1,273.5 | | | 1,308.7 | | | 1,307.2 | | - | | (2%) |
花旗集团的股东权益 | | | 208.3 | | | 208.7 | | | 209.5 | | | 205.5 | | | 206.6 | | 1% | | (1%) |
每股账面价值 | | | 96.59 | | | 97.87 | | | 99.28 | | | 98.71 | | | 99.08 | | - | | 3% |
每股有形账面价值 | | | 84.21 | | | 85.34 | | | 86.90 | | | 86.19 | | | 86.67 | | 1% | | 3% |
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直接员工(以千计) | | | 240 | | | 240 | | | 240 | | | 239 | | | 237 | | (1%) | | (1%) |
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(1) | 参见第 14 页的脚注 2。 |
(2) | 见第 14 页脚注 4。 |
(3) | 参见第 14 页的脚注 3。 |
(4) | 见第 14 页脚注 5。 |
(5) | 参见第 14 页的脚注 6。 |
(6) | 24 年第 1 季度是初步的。 |
(7) | 花旗具有约束力的CET1资本和一级资本比率是根据巴塞尔协议III标准化方法得出的,而花旗的约束性总资本比率是根据巴塞尔协议III高级方法框架得出的,适用于所有期限。有关花旗CET1资本和比率的构成,请参阅第22页。 |
(8) | 花旗的监管资本比率和组成部分反映了基于与当前预期信贷损失(CECL)标准相关的修订后的监管资本过渡条款的某些延期。有关更多信息,请参阅花旗集团2023年年度报告10-K表中的 “资本资源——监管资本待遇——当前预期信贷损失方法的修改过渡”。 |
(9) | 有关花旗单反相机的构成,请参阅第 22 页。 |
(10) | TCE和RoTCE是非公认会计准则的财务指标。有关花旗平均TCE与花旗平均股东权益总额的对账情况,请参阅第22页。 |
注意:比率和方差百分比是根据显示的金额计算的。
NM 没有意义。
重新分类以符合本期的列报方式。
第 1 页
花旗集团合并损益表
(以百万美元计)
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| 24 年第一季度增长/ | ||
|
| 1Q |
| 2Q |
| 3Q |
| 4Q |
| 1Q | | (减少)从 | |||||||
| | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 4Q23 |
| 1Q23 | |||||
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收入 |
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利息收入 | | $ | 29,395 | | $ | 32,647 | | $ | 34,837 | | $ | 36,379 | | $ | 36,223 |
| - | | 23% |
利息支出 | |
| 16,047 | |
| 18,747 | |
| 21,009 | |
| 22,555 | |
| 22,716 |
| 1% | | 42% |
净利息收入 (NII) | |
| 13,348 | |
| 13,900 | |
| 13,828 | |
| 13,824 | |
| 13,507 |
| (2%) | | 1% |
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佣金和费用 | |
| 2,366 | |
| 2,132 | |
| 2,195 | |
| 2,212 | |
| 2,724 |
| 23% | | 15% |
主要交易 | |
| 3,939 | |
| 2,528 | |
| 3,008 | |
| 1,473 | |
| 3,274 |
| NM | | (17%) |
管理费和其他信托费 | |
| 896 | |
| 989 | |
| 971 | |
| 925 | |
| 1,037 |
| 12% | | 16% |
投资销售的已实现收益(亏损),净额 | |
| 72 | |
| 49 | |
| 30 | |
| 37 | |
| 115 |
| NM | | 60% |
投资减值损失 | |
| (86) | |
| (71) | |
| (70) | |
| (96) | |
| (30) |
| 69% | | 65% |
AFS债务证券信贷损失准备金(1) | |
| (1) | |
| 1 | |
| (1) | |
| (3) | |
| - |
| 100% | | 100% |
其他收入(亏损) | |
| 913 | |
| (92) | |
| 178 | |
| (932) | |
| 477 |
| NM | | (48%) |
非利息收入总额(NIR) | |
| 8,099 | |
| 5,536 | |
| 6,311 | |
| 3,616 | |
| 7,597 |
| NM | | (6%) |
总收入,扣除利息支出 | | | 21,447 | | | 19,436 | | | 20,139 | | | 17,440 | | | 21,104 |
| 21% | | (2%) |
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信贷损失准备金、福利和索赔准备金 | |
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净信贷损失 | |
| 1,302 | |
| 1,504 | |
| 1,637 | |
| 1,994 | |
| 2,303 |
| 15% | | 77% |
建立信贷储备/(发放)贷款 | |
| 435 | |
| 257 | |
| 179 | |
| 478 | |
| 119 |
| (75%) | | (73%) |
贷款信贷损失准备金 | |
| 1,737 | |
| 1,761 | |
| 1,816 | |
| 2,472 | |
| 2,422 |
| (2%) | | 39% |
持有至到期(HTM)债务证券的信用损失准备金 | |
| (17) | |
| (4) | |
| (3) | |
| - | |
| 10 |
| NM | | NM |
为其他资产的信贷损失准备金 | |
| 425 | |
| 149 | |
| 56 | |
| 1,132 | |
| 4 |
| (100%) | | (99%) |
保单持有人福利和索赔 | |
| 24 | |
| 14 | |
| 25 | |
| 24 | |
| 27 |
| 13% | | 13% |
无准备金贷款承诺的信贷损失准备金 | |
| (194) | |
| (96) | |
| (54) | |
| (81) | |
| (98) |
| (21%) | | 49% |
信贷损失、福利和索赔准备金总额(2) | |
| 1,975 | |
| 1,824 | |
| 1,840 | |
| 3,547 | |
| 2,365 |
| (33%) | | 20% |
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运营费用 | |
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薪酬和福利 | |
| 7,538 | |
| 7,388 | |
| 7,424 | |
| 6,882 | |
| 7,673 |
| 11% | | 2% |
房舍和设备 | |
| 598 | |
| 595 | |
| 620 | |
| 695 | |
| 585 |
| (16%) | | (2%) |
技术/通信 | |
| 2,127 | |
| 2,309 | |
| 2,256 | |
| 2,414 | |
| 2,246 |
| (7%) | | 6% |
广告和营销 | |
| 331 | |
| 361 | |
| 324 | |
| 377 | |
| 228 |
| (40%) | | (31%) |
重组 | | | 不适用 | | | 不适用 | | | 不适用 | | | 781 | | | 225 | | NM | | NM |
其他操作 | |
| 2,695 | |
| 2,917 | |
| 2,887 | |
| 4,847 | |
| 3,238 |
| (33%) | | 20% |
运营费用总额 | |
| 13,289 | |
| 13,570 | |
| 13,511 | |
| 15,996 | |
| 14,195 |
| (11%) | | 7% |
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所得税前持续经营的收入(亏损) | |
| 6,183 | |
| 4,042 | |
| 4,788 | |
| (2,103) | |
| 4,544 |
| NM | | (27%) |
所得税准备金(福利) | |
| 1,531 | |
| 1,090 | |
| 1,203 | |
| (296) | |
| 1,136 |
| NM | | (26%) |
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来自持续经营的收入(亏损) | |
| 4,652 | |
| 2,952 | |
| 3,585 | |
| (1,807) | |
| 3,408 |
| NM | | (27%) |
已终止的业务 | |
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来自已终止业务的收入(亏损) | |
| (1) | |
| (1) | |
| 2 | |
| (1) | |
| (1) |
| - | | - |
所得税准备金(福利) | |
| - | |
| - | |
| - | |
| - | |
| - |
| - | | - |
已终止业务的收入(亏损),扣除税款 | |
| (1) | |
| (1) | |
| 2 | |
| (1) | |
| (1) |
| - | | - |
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归属于非控股权益前的净收益(亏损) | |
| 4,651 | |
| 2,951 | |
| 3,587 | |
| (1,808) | |
| 3,407 |
| NM | | (27%) |
非控股权益 | |
| 45 | |
| 36 | |
| 41 | |
| 31 | |
| 36 |
| 16% | | (20%) |
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花旗集团的净收益(亏损) | | $ | 4,606 | | $ | 2,915 | | $ | 3,546 | | $ | (1,839) | | $ | 3,371 |
| NM | | (27%) |
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(1) | 本报告符合ASC 326,该法要求将AFS债务证券的信用损失准备金计入收入。 |
(2) | 该总额不包括AFS债务证券的信用损失准备金,该准备金已在上文单独披露。 |
N/A 不适用。
NM 没有意义。
重新分类以符合本期的列报方式。
第 2 页
花旗集团合并资产负债表
(以百万美元计)
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| 24 年第一季度增长/ | ||
| | 3月31日 | | 6月30日 | | 9月30日 | | 十二月三十一日 | | 3月31日 | | (减少)从 | |||||||
| | 2023 | | 2023 | | 2023 | | 2023 | | 2024(1) | | 4Q23 | | 1Q23 | |||||
资产 |
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来自银行的现金和应付款(包括隔离现金和其他存款) | | $ | 26,224 | | $ | 25,763 | | $ | 26,548 | | $ | 27,342 | | $ | 25,174 |
| (8%) | | (4%) |
扣除备抵后的银行存款 | |
| 302,735 | |
| 271,145 | |
| 227,439 | |
| 233,590 | |
| 247,556 |
| 6% | | (18%) |
根据转售协议借入和购买的证券,扣除补贴 | |
| 384,198 | |
| 337,103 | |
| 335,059 | |
| 345,700 | |
| 344,264 |
| - | | (10%) |
扣除备抵后的经纪应收账款 | |
| 55,491 | |
| 60,850 | |
| 66,194 | |
| 53,915 | |
| 61,314 |
| 14% | | 10% |
交易账户资产 | |
| 383,906 | |
| 423,189 | |
| 406,368 | |
| 411,756 | |
| 431,468 |
| 5% | | 12% |
投资 | |
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| | |
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可供出售的债务证券 | |
| 240,487 | |
| 237,334 | |
| 241,783 | |
| 256,936 | |
| 254,898 |
| (1%) | | 6% |
扣除补贴后的持有至到期债务证券 | |
| 264,342 | |
| 262,066 | |
| 259,456 | |
| 254,247 | |
| 252,459 |
| (1%) | | (4%) |
股权证券 | |
| 7,749 | |
| 7,745 | |
| 7,759 | |
| 7,902 | |
| 7,826 |
| (1%) | | 1% |
投资总额 | |
| 512,578 | |
| 507,145 | |
| 508,998 | |
| 519,085 | |
| 515,183 |
| (1%) | | 1% |
贷款 | |
| | |
| | |
| | |
| | |
| |
| | | |
消费者(2) | |
| 363,696 | |
| 374,591 | |
| 377,714 | |
| 389,197 | |
| 381,759 |
| (2%) | | 5% |
企业(3) | |
| 288,299 | |
| 286,021 | |
| 288,634 | |
| 300,165 | |
| 292,819 |
| (2%) | | 2% |
贷款,扣除非劳动收入 | |
| 651,995 | |
| 660,612 | |
| 666,348 | |
| 689,362 | |
| 674,578 |
| (2%) | | 3% |
贷款信贷损失备抵金 (ACLL) | |
| (17,169) | |
| (17,496) | |
| (17,629) | |
| (18,145) | |
| (18,296) |
| (1%) | | (7%) |
贷款总额,净额 | |
| 634,826 | |
| 643,116 | |
| 648,719 | |
| 671,217 | |
| 656,282 |
| (2%) | | 3% |
善意 | |
| 19,882 | |
| 19,998 | |
| 19,829 | |
| 20,098 | |
| 20,042 |
| - | | 1% |
无形资产(包括MSR) | |
| 4,632 | |
| 4,576 | |
| 4,540 | |
| 4,421 | |
| 4,338 |
| (2%) | | (6%) |
房舍和设备,扣除折旧和摊销 | |
| 27,119 | |
| 27,818 | |
| 27,959 | |
| 28,747 | |
| 29,188 |
| 2% | | 8% |
扣除备用金后的其他资产 | |
| 103,522 | |
| 102,972 | |
| 96,824 | |
| 95,963 | |
| 97,701 |
| 2% | | (6%) |
总资产 | | $ | 2,455,113 | | $ | 2,423,675 | | $ | 2,368,477 | | $ | 2,411,834 | | $ | 2,432,510 |
| 1% | | (1%) |
| | | | | | | | | | | | | | | | | | | |
负债 | |
| | |
| | |
| | |
| | |
| |
| | | |
美国办公室的非计息存款 | | $ | 123,969 | | $ | 109,844 | | $ | 104,061 | | $ | 112,089 | | $ | 112,535 |
| - | | (9%) |
美国办公室的计息存款 | |
| 587,477 | |
| 590,700 | |
| 569,428 | |
| 576,784 | |
| 570,259 |
| (1%) | | (3%) |
美国存款总额 | |
| 711,446 | |
| 700,544 | |
| 673,489 | |
| 688,873 | |
| 682,794 |
| (1%) | | (4%) |
在美国境外办公室的非计息存款 | |
| 90,404 | |
| 91,899 | |
| 84,663 | |
| 88,988 | |
| 87,936 |
| (1%) | | (3%) |
在美国境外办公室的计息存款 | |
| 528,609 | |
| 527,424 | |
| 515,354 | |
| 530,820 | |
| 536,433 |
| 1% | | 1% |
国际存款总额 | |
| 619,013 | |
| 619,323 | |
| 600,017 | |
| 619,808 | |
| 624,369 |
| 1% | | 1% |
| | | | | | | | | | | | | | | | | | | |
存款总额 | |
| 1,330,459 | |
| 1,319,867 | |
| 1,273,506 | |
| 1,308,681 | |
| 1,307,163 |
| - | | (2%) |
根据回购协议借出和出售的证券 | |
| 257,681 | |
| 260,035 | |
| 256,770 | |
| 278,107 | |
| 299,387 |
| 8% | | 16% |
经纪应付账款 | |
| 76,708 | |
| 69,433 | |
| 75,076 | |
| 63,539 | |
| 73,013 |
| 15% | | (5%) |
交易账户负债 | |
| 185,010 | |
| 170,664 | |
| 164,624 | |
| 155,345 | |
| 156,652 |
| 1% | | (15%) |
短期借款 | |
| 40,187 | |
| 40,430 | |
| 43,166 | |
| 37,457 | |
| 31,910 |
| (15%) | | (21%) |
长期债务 | |
| 279,684 | |
| 274,510 | |
| 275,760 | |
| 286,619 | |
| 285,495 |
| - | | 2% |
其他负债,加上津贴(4) | |
| 76,365 | |
| 79,314 | |
| 69,380 | |
| 75,835 | |
| 71,492 |
| (6%) | | (6%) |
负债总额 | | $ | 2,246,094 | | $ | 2,214,253 | | $ | 2,158,282 | | $ | 2,205,583 | | $ | 2,225,112 |
| 1% | | (1%) |
| | | | | | | | | | | | | | | | | | | |
公平 | |
| | |
| | |
| | |
| | |
| |
| | | |
股东权益 | |
| | |
| | |
| | |
| | |
| |
| | | |
优先股 | | $ | 20,245 | | $ | 20,245 | | $ | 19,495 | | $ | 17,600 | | $ | 17,600 |
| - | | (13%) |
普通股 | |
| 31 | |
| 31 | |
| 31 | |
| 31 | |
| 31 |
| - | | - |
额外的实收资本 | |
| 108,369 | |
| 108,579 | |
| 108,757 | |
| 108,955 | |
| 108,592 |
| - | | - |
留存收益 | |
| 198,353 | |
| 199,976 | |
| 202,135 | |
| 198,905 | |
| 200,956 |
| 1% | | 1% |
库存股,按成本计算 | |
| (73,262) | |
| (74,247) | |
| (74,738) | |
| (75,238) | |
| (74,865) |
| - | | (2%) |
累计其他综合收益(亏损)(AOCI) | |
| (45,441) | |
| (45,865) | |
| (46,177) | |
| (44,800) | |
| (45,729) |
| (2%) | | (1%) |
普通股权总额 | | $ | 188,050 | | $ | 188,474 | | $ | 190,008 | | $ | 187,853 | | $ | 188,985 |
| 1% | | - |
| | | | | | | | | | | | | | | | | | | |
花旗集团股东权益总额 | | $ | 208,295 | | $ | 208,719 | | $ | 209,503 | | $ | 205,453 | | $ | 206,585 |
| 1% | | (1%) |
非控股权益 | |
| 724 | |
| 703 | |
| 692 | |
| 798 | |
| 813 |
| 2% | | 12% |
权益总额 | |
| 209,019 | |
| 209,422 | |
| 210,195 | |
| 206,251 | |
| 207,398 |
| 1% | | (1%) |
负债和权益总额 | | $ | 2,455,113 | | $ | 2,423,675 | | $ | 2,368,477 | | $ | 2,411,834 | | $ | 2,432,510 |
| 1% | | (1%) |
| | | | | | | | | | | | | | | | | | | |
(1) | 2024 年 3 月 31 日是初步的。 |
(2) | 消费贷款包括由USPB、Wealth和所有其他传统特许经营权管理的贷款(墨西哥小型企业和中间市场银行(墨西哥SBMM)贷款除外),这些贷款包含在消费者贷款中。 |
(3) | 公司贷款包括由服务、市场、银行和所有其他——传统特许经营权——墨西哥SBMM管理的贷款,这些贷款包含在公司贷款中。 |
(4) | 包括无准备金贷款承诺的信贷损失备抵金。参见第 19 页。 |
NM 没有意义。
重新分类以符合本期的列报方式。
第 3 页
运营部门、报告单位和组件的详细信息
(以百万美元计)
| | | | | | | | | | | | 24 年第一季度增长/ | |||||||
|
| 1Q |
| 2Q |
| 3Q |
| 4Q |
| 1Q |
| (减少)从 | |||||||
| | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 4Q23 | | 1Q23 | |||||
收入,扣除利息支出 | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
服务 | | $ | 4,394 | | $ | 4,555 | | $ | 4,636 | | $ | 4,517 | | $ | 4,766 | | 6% | | 8% |
市场 | | | 5,790 | | | 4,816 | | | 4,771 | | | 3,388 | | | 5,378 | | 59% | | (7%) |
银行业 | | | 1,151 | | | 1,140 | | | 1,347 | | | 954 | | | 1,714 | | 80% | | 49% |
美国个人银行业务 | | | 4,711 | | | 4,619 | | | 4,917 | | | 4,940 | | | 5,178 | | 5% | | 10% |
财富 | | | 1,766 | | | 1,799 | | | 1,855 | | | 1,671 | | | 1,695 | | 1% | | (4%) |
所有其他——管理基础(1)(2) | | | 2,617 | | | 2,513 | | | 2,217 | | | 2,032 | | | 2,385 | | 17% | | (9%) |
协调项目——与资产剥离相关的影响(3) | | | 1,018 | | | (6) | | | 396 | | | (62) | | | (12) | | 81% | | NM |
| | | | | | | | | | | | | | | | | | | |
总净收入——已报告 | | $ | 21,447 | | $ | 19,436 | | $ | 20,139 | | $ | 17,440 | | $ | 21,104 | | 21% | | (2%) |
| | | | | | | | | | | | | | | | | | | |
来自持续经营的收入(亏损) | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | ||
服务 | | $ | 1,309 | | $ | 1,229 | | $ | 1,355 | | $ | 806 | | $ | 1,519 | | 88% | | 16% |
市场 | | | 1,869 | | | 1,148 | | | 1,061 | | | (143) | | | 1,410 | | NM | | (25%) |
银行业 | | | 57 | | | 46 | | | 162 | | | (324) | | | 539 | | NM | | NM |
美国个人银行业务 | | | 402 | | | 461 | | | 756 | | | 201 | | | 347 | | 73% | | (14%) |
财富 | | | 159 | | | 64 | | | 118 | | | 5 | | | 150 | | NM | | (6%) |
所有其他——管理基础(1)(2) | | | 208 | | | 96 | | | (81) | | | (2,241) | | | (463) | | 79% | | NM |
协调项目——与资产剥离相关的影响(3) | | | 648 | | | (92) | | | 214 | | | (111) | | | (94) | | 15% | | NM |
| | | | | | | | | | | | | | | | | | | |
来自持续经营的收入(亏损)——已报告 | | | 4,652 | | | 2,952 | | | 3,585 | | | (1,807) | | | 3,408 | | NM | | (27%) |
| | | | | | | | | | | | | | | | | | | |
已终止的业务 | | (1) | | | (1) | | | 2 | | | (1) | | | (1) | | - | | - | |
| | | | | | | | | | | | | | | | | | | |
归属于非控股权益的净收益(亏损) | | | 45 | | | 36 | | | 41 | | | 31 | | | 36 | | 16% | | (20%) |
| | | | | | | | | | | | | | | | | | | |
净收益(亏损) | | $ | 4,606 | | $ | 2,915 | | $ | 3,546 | | $ | (1,839) | | $ | 3,371 | | NM | | (27%) |
| | | | | | | | | | | | | | | | | | | |
(1) | 包括传统特许经营权和全球员工职能的某些未分配成本(包括财务、风险、人力资源、法律和合规相关成本)、其他公司费用、未分配的全球运营和技术费用、所得税,以及企业资金投资活动和已终止的业务。 |
(2) | 反映管理层的业绩,其中不包括与花旗剥离其亚洲个人银行业务和计划剥离相关的资产剥离相关影响 |
(3) | 对账项目包括资产剥离相关影响,在有管理的基础上不包括在 “所有其他” 中。有关其他信息,请参见第 14 页。对账项目是 |
NM 没有意义。
重新分类以符合本期的列报方式。
第 4 页
服务
(除非另有说明,否则以百万美元计)
| | | |
|
| |
|
| |
|
| |
|
| |
| 24 年第一季度增长/ | ||
|
| 1Q |
| 2Q |
| 3Q |
| 4Q |
| 1Q |
| (减少)从 | |||||||
| | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 4Q23 | | 1Q23 | |||||
净利息收入(包括股息) | | $ | 3,126 | | $ | 3,243 | | $ | 3,440 | | $ | 3,442 | | $ | 3,317 |
| (4%) | | 6% |
费用收入 | |
| | | | | | | | | | | | | | | | | |
佣金和费用 | |
| 741 | |
| 787 | |
| 782 | |
| 815 | |
| 797 |
| (2%) | | 8% |
信托和行政及其他 | |
| 604 | |
| 661 | |
| 630 | |
| 606 | |
| 685 |
| 13% | | 13% |
费用收入总额 | |
| 1,345 | |
| 1,448 | |
| 1,412 | |
| 1,421 | |
| 1,482 |
| 4% | | 10% |
主要交易 | | | 226 | | | 242 | | | 267 | | | 271 | | | 248 | | (8%) | | 10% |
所有其他(1) | | | (303) | | | (378) | | | (483) | | | (617) | | | (281) | | 54% | | 7% |
非利息收入总额 | |
| 1,268 | |
| 1,312 | |
| 1,196 | |
| 1,075 | |
| 1,449 |
| 35% | | 14% |
总收入,扣除利息支出 | |
| 4,394 | |
| 4,555 | |
| 4,636 | |
| 4,517 | |
| 4,766 |
| 6% | | 8% |
运营费用总额 | |
| 2,409 | |
| 2,506 | |
| 2,520 | |
| 2,596 | |
| 2,666 |
| 3% | | 11% |
贷款的净信贷损失(回收额) | |
| 6 | |
| 13 | |
| 27 | |
| (6) | |
| 6 |
| NM | | - |
为贷款建立(发放)信贷储备 | |
| (72) | |
| (14) | |
| 6 | |
| 127 | |
| 34 |
| (73%) | | NM |
无准备金贷款承诺的信贷损失准备金(释放) | |
| 7 | |
| (26) | |
| 23 | |
| (22) | |
| 12 |
| NM | | 71% |
其他资产和HTM债务证券的信用损失准备金 | |
| 45 | |
| 250 | |
| 39 | |
| 547 | |
| 12 |
| (98%) | | (73%) |
信贷损失准备金 | |
| (14) | |
| 223 | |
| 95 | |
| 646 | |
| 64 |
| (90%) | | NM |
税前持续经营的收入 | |
| 1,999 | |
| 1,826 | |
| 2,021 | |
| 1,275 | |
| 2,036 |
| 60% | | 2% |
所得税 | |
| 690 | |
| 597 | |
| 666 | |
| 469 | |
| 517 |
| 10% | | (25%) |
持续经营的收入 | |
| 1,309 | |
| 1,229 | |
| 1,355 | |
| 806 | |
| 1,519 |
| 88% | | 16% |
非控股权益 | |
| 13 | |
| 16 | |
| 16 | |
| 21 | |
| 25 |
| 19% | | 92% |
净收入 | | $ | 1,296 | | $ | 1,213 | | $ | 1,339 | | $ | 785 | | $ | 1,494 |
| 90% | | 15% |
EOP 资产(以十亿计) | | $ | 585 | | $ | 584 | | $ | 552 | | $ | 586 | | $ | 577 |
| (2%) | | (1%) |
平均资产(以十亿计) | |
| 598 | |
| 584 | |
| 566 | |
| 582 | |
| 580 |
| - | | (3%) |
效率比 | | | 55% | | | 55% | | | 54% | | | 57% | | | 56% | | (100) 个基点 | | 100 bps |
平均分配的 TCE(以十亿计)(2) | | $ | 23.0 | | $ | 23.0 | | $ | 23.0 | | $ | 23.0 | | $ | 24.9 | | 8% | | 8% |
roTCE(2) | |
| 22.9% | |
| 21.2% |
|
| 23.1% | |
| 13.5% | |
| 24.1% | | 1,060 个基点 | | 120 个基点 |
| | | | | | | | | | | | | | | | | | | |
按组成部分划分的收入 | | | | | | | | | | | | | | | | | | | |
净利息收入 | | $ | 2,612 | | $ | 2,718 | | $ | 2,868 | | $ | 2,887 | | $ | 2,723 |
| (6%) | | 4% |
非利息收入 | |
| 727 | |
| 702 | |
| 645 | |
| 557 | |
| 793 |
| 42% | | 9% |
财资和贸易解决方案 (TTS) | | | 3,339 | | | 3,420 | | | 3,513 | | | 3,444 | | | 3,516 | | 2% | | 5% |
净利息收入 | | | 514 | | | 525 | | | 572 | | | 555 | | | 594 | | 7% | | 16% |
非利息收入 | | | 541 | | | 610 | | | 551 | | | 518 | | | 656 | | 27% | | 21% |
证券服务 | | | 1,055 | | | 1,135 | | | 1,123 | | | 1,073 | | | 1,250 | | 16% | | 18% |
全方位服务 | | $ | 4,394 | | $ | 4,555 | | $ | 4,636 | | $ | 4,517 | | $ | 4,766 |
| 6% | | 8% |
| | | | | | | | | | | | | | | | | | | |
按地域划分的收入 | | | | | | | | | | | | | | | | | | | |
北美 | | $ | 1,205 | | $ | 1,294 | | $ | 1,333 | | $ | 1,299 | | $ | 1,243 |
| (4%) | | 3% |
国际 | |
| 3,189 | |
| 3,261 | |
| 3,303 | |
| 3,218 | |
| 3,523 |
| 9% | | 10% |
总计 | | $ | 4,394 | | $ | 4,555 | | $ | 4,636 | | $ | 4,517 | | $ | 4,766 |
| 6% | | 8% |
| | | | | | | | | | | | | | | | | | | |
关键驱动因素(3)(除非另有说明,否则以十亿美元计) | | | | | | | | | | | | | | | | | | | |
按报告单位分列的平均贷款 | | | | | | | | | | | | | | | | | | | |
TTS | | $ | 78 | | $ | 79 | | $ | 82 | | $ | 82 | | $ | 81 |
| (1%) | | 4% |
证券服务 | | | 1 | | | 1 | | | 1 | | | 1 | | | 1 | | - | | - |
总计 | | $ | 79 | | $ | 80 | | $ | 83 | | $ | 83 | | $ | 82 |
| (1%) | | 4% |
| | | | | | | | | | | | | | | | | | | |
ACLL占EOP贷款的百分比(4) | | | 0.36% | | | 0.32% | | | 0.33% | | | 0.47% | | | 0.54% | | 7 bps | | 18 bps |
| | | | | | | | | | | | | | | | | | | |
按报告单位和选定组成部分分列的平均存款 | |
|
| |
| | |
| | |
| | |
| |
| | | |
TTS | | $ | 705 | | $ | 689 | | $ | 677 | | $ | 681 | | $ | 684 |
| - | | (3%) |
证券服务 | |
| 125 | |
| 125 | |
| 120 | |
| 122 | |
| 124 |
| 2% | | (1%) |
总计 | | $ | 830 | | $ | 814 | | $ | 797 | | $ | 803 | | $ | 808 |
| 1% | | (3%) |
| | | | | | | | | | | | | | | | | | | |
AUC/AUA(以万亿美元计)(5)(6) | | $ | 21.6 | | $ | 22.3 | | $ | 21.5 | | $ | 23.5 | | $ | 24.0 |
| 2% | | 11% |
跨境交易价值 | | $ | 83.0 | | $ | 87.8 | | $ | 87.8 | | $ | 99.4 | | $ | 90.7 |
| (9%) | | 9% |
美元清算量(百万美元) | |
| 38.3 | |
| 38.8 | |
| 40.0 | |
| 40.2 | |
| 39.6 |
| (1%) | | 3% |
商业卡消费量 | | $ | 16.0 | | $ | 17.3 | | $ | 16.9 | | $ | 16.6 | | $ | 16.8 |
| 1% | | 5% |
| | | | | | | | | | | | | | | | | | | |
(1) | 服务包括花旗获得的收入,这些收入受与银行的收益分享安排约束,即向企业贷款客户出售的投资银行企业贷款、市场和服务产品。 |
(2) | TCE 和 RoTCE 是非公认会计准则财务指标。请参阅第22页,了解各细分市场和各组成部分的平均分配TCE与花旗的总平均TCE和花旗的平均股东权益总额之和的对账情况。 |
(3) | 管理层使用这些信息来审查该细分市场的业绩,并认为该信息对投资者在基础细分市场的表现和趋势方面很有用。 |
(4) | 不包括所有期限均按公允价值记账的贷款。 |
(5) | 反映了某些AUC北美账户的上期修订。 |
(6) | 初步。 |
NM 没有意义。
重新分类以符合本期的列报方式。
第 5 页
市场
(除非另有说明,否则以百万美元计)
| | | | | | | | | | | | 24 年第一季度增长/ | |||||||
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | (减少)从 | |||||||
|
| 2023 |
| 2023 |
| 2023 |
| 2023 |
| 2024 |
| 4Q23 |
| 1Q23 | |||||
| | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
净利息收入(包括股息) | | $ | 1,562 | | $ | 2,009 | | $ | 1,700 | | $ | 1,994 | | $ | 1,713 | | (14%) | | 10% |
费用收入 | | | | | | | | | | | | | | | | | | | |
经纪和费用 | | | 385 | | | 331 | | | 337 | | | 328 | | | 336 | | 2% | | (13%) |
投资银行费用(1) | | | 89 | | | 97 | | | 103 | | | 103 | | | 95 | | (8%) | | 7% |
其他(2) | | | 40 | | | 32 | | | 32 | | | 46 | | | 62 | | 35% | | 55% |
费用收入总额 | | | 514 | | | 460 | | | 472 | | | 477 | | | 493 | | 3% | | (4%) |
主要交易 | | | 3,889 | | | 2,518 | | | 2,853 | | | 1,212 | | | 3,178 | | NM | | (18%) |
所有其他(3) | | | (175) | | | (171) | | | (254) | | | (295) | | | (6) | | 98% | | 97% |
非利息收入总额 | | | 4,228 | | | 2,807 | | | 3,071 | | | 1,394 | | | 3,665 | | NM | | (13%) |
总收入,扣除利息支出 | | | 5,790 | | | 4,816 | | | 4,771 | | | 3,388 | | | 5,378 | | 59% | | (7%) |
运营费用总额 | | | 3,162 | | | 3,337 | | | 3,302 | | | 3,433 | | | 3,380 | | (2%) | | 7% |
贷款的净信贷损失(回收额) | | | 4 | | | 2 | | | (4) | | | 30 | | | 78 | | NM | | NM |
为贷款建立(发放)信贷储备 | | | 64 | | | (23) | | | 119 | | | 41 | | | 120 | | NM | | 88% |
无准备金贷款承诺的信贷损失准备金(释放) | | | (4) | | | (10) | | | 5 | | | 12 | | | (1) | | NM | | 75% |
其他资产和HTM债务证券的信用损失准备金 | | | 19 | | | 12 | | | 43 | | | 126 | | | 3 | | (98%) | | (84%) |
信贷损失准备金 | | | 83 | | | (19) | | | 163 | | | 209 | | | 200 | | (4%) | | NM |
税前持续经营的收入(亏损) | | | 2,545 | | | 1,498 | | | 1,306 | | | (254) | | | 1,798 | | NM | | (29%) |
所得税(福利) | | | 676 | | | 350 | | | 245 | | | (111) | | | 388 | | NM | | (43%) |
来自持续经营的收入(亏损) | | | 1,869 | | | 1,148 | | | 1,061 | | | (143) | | | 1,410 | | NM | | (25%) |
非控股权益 | | | 21 | | | 19 | | | 15 | | | 12 | | | 15 | | 25% | | (29%) |
净收益(亏损) | | $ | 1,848 | | $ | 1,129 | | $ | 1,046 | | $ | (155) | | $ | 1,395 | | NM | | (25%) |
EOP 资产(以十亿计) | | $ | 1,020 | | $ | 1,016 | | $ | 1,009 | | $ | 1,007 | | $ | 1,037 | | 3% | | 2% |
平均资产(以十亿计) | | | 1,004 | | | 1,041 | | | 1,025 | | | 1,032 | | | 1,048 | | 2% | | 4% |
效率比 | | | 55% | | | 69% | | | 69% | | | 101% | | | 63% | | NM | | 800 bps |
平均分配的 TCE(以十亿计)(4) | | $ | 53.1 | | $ | 53.1 | | $ | 53.1 | | $ | 53.1 | | $ | 54.0 | | 2% | | 2% |
roTCE(4) | | | 14.1% | | | 8.5% | | | 7.8% | | | (1.2%) | | | 10.4% | | NM | | (370) bps |
| | | | | | | | | | | | | | | | | | | |
按组成部分划分的收入 | | | | | | | | | | | | | | | | | | | |
固定收益市场 | | $ | 4,623 | | $ | 3,707 | | $ | 3,829 | | $ | 2,569 | | $ | 4,151 | | 62% | | (10%) |
股票市场 | | | 1,167 | | | 1,109 | | | 942 | | | 819 | | | 1,227 | | 50% | | 5% |
总计 | | $ | 5,790 | | $ | 4,816 | | $ | 4,771 | | $ | 3,388 | | $ | 5,378 | | 59% | | (7%) |
| | | | | | | | | | | | | | | | | | | |
汇率和货币 | | $ | 3,551 | | $ | 2,758 | | $ | 2,748 | | $ | 1,736 | | $ | 2,799 | | 61% | | (21%) |
点差产品/其他固定收益 | | | 1,072 | | | 949 | | | 1,081 | | | 833 | | | 1,352 | | 62% | | 26% |
固定收益市场总收入 | | $ | 4,623 | | $ | 3,707 | | $ | 3,829 | | $ | 2,569 | | $ | 4,151 | | 62% | | (10%) |
| | | | | | | | | | | | | | | | | | | |
按地域划分的收入 | | | | | | | | | | | | | | | | | | | |
北美 | | $ | 2,062 | | $ | 1,720 | | $ | 1,924 | | $ | 1,249 | | $ | 2,087 | | 67% | | 1% |
国际 | | | 3,728 | | | 3,096 | | | 2,847 | | | 2,139 | | | 3,291 | | 54% | | (12%) |
总计 | | $ | 5,790 | | $ | 4,816 | | $ | 4,771 | | $ | 3,388 | | $ | 5,378 | | 59% | | (7%) |
| | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
关键驱动因素(5)(以十亿美元计) | | | | | | | | | | | | | | | | | | | |
平均贷款 | | $ | 111 | | $ | 107 | | $ | 108 | | $ | 115 | | $ | 120 | | 4% | | 8% |
NCL 占平均贷款的百分比 | | | 0.01% | | | 0.01% | | | (0.01%) | | | 0.10% | | | 0.26% | | 16 bps | | 25 bps |
ACLL占EOP贷款的百分比(6) | | | 0.66% | | | 0.67% | | | 0.77% | | | 0.71% | | | 0.85% | | 14 bps | | 19 bps |
平均交易账户资产 | | $ | 350 | | $ | 382 | | $ | 393 | | $ | 392 | | $ | 408 | | 4% | | 17% |
平均存款 | | | 23 | | | 23 | | | 23 | | | 23 | | | 24 | | 4% | | 4% |
(1) | 投资银行费用主要包括承保、咨询、银团贷款结构和其他相关融资活动。 |
(2) | 主要包括来自客户主导活动的其他非经纪和投资银行费用。 |
(3) | 市场包括花旗获得的收入,这些收入受与银行的收益分享安排约束——向企业贷款客户出售的投资银行的企业贷款、市场和服务产品。 |
(4) | TCE 和 RoTCE 是非公认会计准则财务指标。请参阅第22页,了解各细分市场和各组成部分的平均分配TCE与花旗的总平均TCE和花旗的平均股东权益总额之和的对账情况。 |
(5) | 管理层使用这些信息来审查该细分市场的业绩,并认为该信息对投资者在基础细分市场的表现和趋势方面很有用。 |
(6) | 不包括所有期限均按公允价值记账的贷款。 |
NM 没有意义。
重新分类以符合本期的列报方式。
第 6 页
银行业
(除非另有说明,否则以百万美元计)
| | | | | | | | | | | | | | | | | 24 年第一季度增长/ | ||
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | (减少)从 | |||||||
|
| 2023 |
| 2023 |
| 2023 |
| 2023 |
| 2024 |
| 4Q23 |
| 1Q23 | |||||
| | | | | | | | | | | | | | | | | | | |
净利息收入(包括股息) | | $ | 500 | | $ | 529 | | $ | 547 | | $ | 542 | | $ | 574 | | 6% | | 15% |
费用收入 | |
| | |
| | |
| | |
| | |
| |
| | | |
投资银行费用(1) | |
| 740 | |
| 573 | |
| 694 | |
| 706 | |
| 977 |
| 38% | | 32% |
其他(2) | |
| 42 | |
| 40 | |
| 40 | |
| 38 | |
| 42 |
| 11% | | - |
费用收入总额 | |
| 782 | |
| 613 | |
| 734 | |
| 744 | |
| 1,019 |
| 37% | | 30% |
主要交易 | |
| (335) | |
| (216) | |
| (164) | |
| (223) | |
| (227) |
| (2%) | | 32% |
所有其他(3) | |
| 204 | |
| 214 | |
| 230 | |
| (109) | |
| 348 |
| NM | | 71% |
非利息收入总额 | |
| 651 | |
| 611 | |
| 800 | |
| 412 | |
| 1,140 |
| NM | | 75% |
总收入,扣除利息支出 | |
| 1,151 | |
| 1,140 | |
| 1,347 | |
| 954 | |
| 1,714 |
| 80% | | 49% |
运营费用总额 | |
| 1,236 | |
| 1,264 | |
| 1,229 | |
| 1,165 | |
| 1,184 |
| 2% | | (4%) |
贷款净信贷损失 | |
| 12 | |
| 57 | |
| 29 | |
| 71 | |
| 66 |
| (7%) | | NM |
为贷款建立(发放)信贷储备 | |
| (50) | |
| (110) | |
| (22) | |
| (163) | |
| (89) |
| 45% | | (78%) |
无准备金贷款承诺的信贷损失准备金(释放) | |
| (171) | |
| (56) | |
| (64) | |
| (63) | |
| (96) |
| (52%) | | 44% |
其他资产和HTM债务证券的信用损失准备金 | | | 86 | | | (39) | | | 1 | | | 339 | | | (10) |
| NM | | NM |
信贷损失准备金 | | | (123) | | | (148) | | | (56) | | | 184 | | | (129) |
| NM | | (5%) |
税前持续经营的收入(亏损) | |
| 38 | |
| 24 | |
| 174 | |
| (395) | |
| 659 |
| NM | | NM |
所得税(福利) | |
| (19) | |
| (22) | |
| 12 | |
| (71) | |
| 120 | | NM | | NM |
来自持续经营的收入(亏损) | |
| 57 | |
| 46 | |
| 162 | |
| (324) | |
| 539 |
| NM | | NM |
非控股权益 | | | 2 | | | 1 | | | 1 | | | - | | | 3 |
| NM | | 50% |
净收益(亏损) | | $ | 55 | | $ | 45 | | $ | 161 | | $ | (324) | | $ | 536 |
| NM | | NM |
EOP 资产(以十亿计) | | $ | 148 | | $ | 149 | | $ | 147 | | $ | 149 | | $ | 152 |
| 2% | | 3% |
平均资产(以十亿计) | |
| 157 | |
| 156 | |
| 152 | |
| 151 | |
| 155 |
| 3% | | (1%) |
效率比 | |
| 107% | |
| 111% | |
| 91% | |
| 122% | |
| 69% | | (5,300) 个基点 | | (3,800) 个基点 |
平均分配的 TCE(以十亿计)(4) | | $ | 21.4 | | $ | 21.4 | | $ | 21.4 | | $ | 21.4 | | $ | 21.8 |
| 2% | | 2% |
roTCE(4) | |
| 1.0% | |
| 0.8% | |
| 3.0% | | | (6.0%) | |
| 9.9% | | NM | | 890 个基点 |
| | | | | | | | | | | | | | | | | | | |
按组成部分划分的收入 | |
| | |
| | |
| | |
| | |
| |
| | | |
Total 投资银行 | | $ | 667 | | $ | 494 | | $ | 685 | | $ | 664 | | $ | 903 |
| 36% | | 35% |
公司贷款——不包括贷款套期保值的收益/(亏损)(3)(5) | |
| 683 | |
| 712 | |
| 709 | |
| 421 | |
| 915 |
| NM | | 34% |
银行总收入(贷款套期保值的除息收益/(亏损))(3)(5) | | | 1,350 | | | 1,206 | | | 1,394 | | | 1,085 | | | 1,818 |
| 68% | | 35% |
贷款套期保值的收益/(亏损)(3)(5) | |
| (199) | |
| (66) | |
| (47) | |
| (131) | |
| (104) |
| 21% | | 48% |
银行总收入,包括贷款套期保值的收益/(亏损)(3)(5) | | $ | 1,151 | | $ | 1,140 | | $ | 1,347 | | $ | 954 | | $ | 1,714 |
| 80% | | 49% |
| | | | | | | | | | | | | | | | | | | |
商业指标——投资银行费用 | |
| | |
| | |
| | |
| | |
| |
| | | |
咨询的 | | $ | 276 | | $ | 156 | | $ | 299 | | $ | 286 | | $ | 230 |
| (20%) | | (17%) |
股票承保(股权资本市场(ECM)) | |
| 109 | |
| 158 | |
| 123 | |
| 110 | |
| 171 |
| 55% | | 57% |
债务承保(债务资本市场(DCM)) | | | 355 | | | 259 | | | 272 | | | 310 | | | 576 |
| 86% | | 62% |
总计 | | $ | 740 | | $ | 573 | | $ | 694 | | $ | 706 | | $ | 977 | | 38% | | 32% |
| | | | | | | | | | | | | | | | | | | |
按地域划分的收入 | | | | | | | | | | | | | | | | | | | |
北美 | | $ | 370 | | $ | 430 | | $ | 597 | | $ | 378 | | $ | 751 | | 99% | | NM |
国际 | | | 781 | | | 710 | | | 750 | | | 576 | | | 963 | | 67% | | 23% |
总计 | | $ | 1,151 | | $ | 1,140 | | $ | 1,347 | | $ | 954 | | $ | 1,714 | | 80% | | 49% |
| | | | | | | | | | | | | | | | | | | |
关键驱动因素(6)(以十亿美元计) | | | | | | | | | | | | | | | | | | | |
平均贷款 | | $ | 95 | | $ | 93 | | $ | 89 | | $ | 89 | | $ | 89 | | - | | (6%) |
NCL 占平均贷款的百分比 | | | 0.05% | | | 0.25% | | | 0.13% | | | 0.32% | | | 0.30% | | (2) bps | | 25 bps |
ACLL占EOP贷款的百分比(7) | | | 1.84% | | | 1.74% | | | 1.75% | | | 1.59% | | | 1.47% | | (12) 个基点 | | (37) 个基点 |
平均存款 | | | 1 | | | 1 | | | 1 | | | 1 | | | 1 | | - | | - |
| | | | | | | | | | | | | | | | | | | |
(1) | 投资银行费用主要包括承保、咨询、银团贷款结构和其他相关融资活动。 |
(2) | 主要包括来自客户主导活动的其他非投资银行费用。 |
(3) | 银行业务包括花旗获得的收入,这些收入受与银行的收益分享安排约束——向企业贷款客户出售的投资银行、市场和服务产品的企业贷款。 |
(4) | TCE 和 RoTCE 是非公认会计准则财务指标。请参阅第22页,了解各细分市场和各组成部分的平均分配TCE与花旗的总平均TCE和花旗的平均股东权益总额之和的对账情况。 |
(5) | 信贷衍生品用于经济地对冲公司贷款组合的一部分,包括应计贷款和公允价值贷款。贷款套期保值的收益(亏损)包括信贷衍生品的按市值计价,部分被投资组合中按公允价值计算的贷款的按市值计价所抵消。应计贷款的套期保值反映了用于经济地对冲公司贷款应计投资组合的信贷衍生品的按市值计价。这些套期保值的固定保费成本从企业贷款收入中扣除,以反映信贷保护的成本。花旗集团的经营业绩不包括收益(亏损)对贷款套期保值的影响,均为非公认会计准则财务指标。 |
(6) | 管理层使用这些信息来审查该细分市场的业绩,并认为该信息对投资者在基础细分市场的表现和趋势方面很有用。 |
(7) | 不包括所有期限均按公允价值记账的贷款。 |
NM 没有意义。
重新分类以符合本期的列报方式。
第 7 页
美国个人银行
(除非另有说明,否则以百万美元计)
| | | | | | | | | | | | | | | | | 24 年第一季度增长/ | ||
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | (减少)从 | |||||||
| | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 4Q23 | | 1Q23 | |||||
| | | | | | | | | | | | | | | | | | | |
净利息收入 |
| $ | 4,854 |
| $ | 4,883 |
| $ | 5,175 |
| $ | 5,238 |
| $ | 5,226 |
| - | | 8% |
费用收入 | |
| | |
| | |
| | |
| | |
| |
| | | |
交换费 | |
| 2,277 | |
| 2,482 | |
| 2,434 | |
| 2,481 | |
| 2,352 |
| (5%) | | 3% |
信用卡奖励和合作伙伴付款 | |
| (2,590) | |
| (2,827) | |
| (2,777) | |
| (2,889) | |
| (2,580) |
| 11% | | - |
其他(1) | |
| 104 | |
| 72 | |
| 75 | |
| 98 | |
| 105 |
| 7% | | 1% |
费用收入总额 | |
| (209) | |
| (273) | |
| (268) | |
| (310) | |
| (123) |
| 60% | | 41% |
所有其他(2) | |
| 66 | |
| 9 | |
| 10 | |
| 12 | |
| 75 |
| NM | | 14% |
非利息收入总额 | |
| (143) | |
| (264) | |
| (258) | |
| (298) | |
| (48) |
| 84% | | 66% |
总收入,扣除利息支出 | |
| 4,711 | |
| 4,619 | |
| 4,917 | |
| 4,940 | |
| 5,178 |
| 5% | | 10% |
| | | | | | | | | | | | | | | | | | | |
运营费用总额 | |
| 2,529 | |
| 2,498 | |
| 2,481 | |
| 2,594 | |
| 2,519 |
| (3%) | | - |
贷款净信贷损失 | |
| 1,074 | |
| 1,218 | |
| 1,343 | |
| 1,599 | |
| 1,864 |
| 17% | | 74% |
为贷款建立(发放)信贷储备 | |
| 576 | |
| 303 | |
| 114 | |
| 471 | |
| 337 |
| (28%) | | (41%) |
为无准备金的贷款承诺的信贷损失准备金(释放)。 | |
| - | |
| 1 | |
| (1) | |
| 1 | |
| - |
| (100%) | | - |
福利和索赔准备金 (PBC) 及其他资产 | | | (1) | | | 3 | | | 3 | | | 3 | | | 3 | | - | | NM |
信贷损失准备金和PBC准备金 | | | 1,649 | | | 1,525 | | | 1,459 | | | 2,074 | | | 2,204 | | 6% | | 34% |
税前持续经营的收入 | |
| 533 | | | 596 | | | 977 | | | 272 | | | 455 | | 67% | | (15%) |
所得税 | |
| 131 | |
| 135 | | | 221 | | | 71 | | | 108 | | 52% | | (18%) |
持续经营的收入 | | | 402 | | | 461 | | | 756 | | | 201 | | | 347 | | 73% | | (14%) |
非控股权益 | | | - | | | - | | | - | | | - | | | - | | - | | - |
净收入 | | $ | 402 | | $ | 461 | | $ | 756 | | $ | 201 | | $ | 347 | | 73% | | (14%) |
EOP 资产(以十亿计) | | $ | 228 | | $ | 228 | | $ | 231 | | $ | 242 | | $ | 237 | | (2%) | | 4% |
平均资产(以十亿计) | |
| 231 | |
| 229 | |
| 230 | |
| 232 | |
| 233 | | - | | 1% |
效率比 | |
| 54% | |
| 54% | |
| 50% | |
| 53% | |
| 49% | | (400) bps | | (500) bps |
平均分配的 TCE(以十亿计)(3) | | $ | 21.9 | | $ | 21.9 | | $ | 21.9 | | $ | 21.9 | | $ | 25.2 | | 15% | | 15% |
roTCE(3) | | | 7.4% | | | 8.4% | | | 13.7% | | | 3.6% | | | 5.5% | | 190 bps | | (190) 个基点 |
| | | | | | | | | | | | | | | | | | | |
按组成部分划分的收入 | |
|
| |
|
| |
|
| |
|
| |
| | | | | |
品牌卡 | | $ | 2,472 | | $ | 2,357 | | $ | 2,539 | | $ | 2,620 | | $ | 2,640 | | 1% | | 7% |
零售服务 | |
| 1,610 | |
| 1,643 | |
| 1,728 | |
| 1,636 | |
| 1,900 | | 16% | | 18% |
零售银行 | |
| 629 | |
| 619 | |
| 650 | |
| 684 | |
| 638 | | (7%) | | 1% |
总计 | | $ | 4,711 | | $ | 4,619 | | $ | 4,917 | | $ | 4,940 | | $ | 5,178 | | 5% | | 10% |
| | | | | | | | | | | | | | | | | | | |
平均贷款和存款(4)(以十亿计) | |
|
| |
|
| |
|
| |
|
| |
| | | | | |
平均贷款 | | $ | 184 | | $ | 189 | | $ | 196 | | $ | 202 | | $ | 204 | | 1% | | 11% |
ACLL占EOP贷款的百分比(5) | |
| 6.62% | |
| 6.44% | |
| 6.36% | |
| 6.28% | |
| 6.58% | | 30 bps | | (4) 个基点 |
平均存款 | |
| 111 | |
| 113 | |
| 110 | |
| 105 | |
| 100 | | (5%) | | (10%) |
| | | | | | | | | | | | | | | | | | | |
(1) | 主要与零售银行和信用卡相关费用有关。 |
(2) | 主要与信用卡网络和合作伙伴的收入激励措施有关。 |
(3) | TCE 和 RoTCE 是非公认会计准则财务指标。请参阅第22页,了解各细分市场和各组成部分的平均分配TCE与花旗的总平均TCE和花旗的平均股东权益总额之和的对账情况。 |
(4) | 管理层使用这些信息来审查该细分市场的业绩,并认为该信息对投资者在基础细分市场的表现和趋势方面很有用。 |
(5) | 不包括所有期限均按公允价值记账的贷款。 |
NM 没有意义。
重新分类以符合本期的列报方式。
第 8 页
美国个人银行
指标
| | | | | | | | | | | | | | | | | 24 年第一季度增长/ | ||
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | (减少)从 | |||||||
|
| 2023 |
| 2023 |
| 2023 |
| 2023 |
| 2024 |
| 4Q23 |
| 1Q23 | |||||
| | | | | | | | | | | | | | | | | | | |
美国个人银行业务关键指标(除非另有说明,否则以十亿美元计) | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
新账户收购(以千计) |
| | | | | | | | | | | | | | | | | | |
品牌卡 |
| | 1,164 | | | 1,131 |
| | 1,146 |
| | 1,105 |
| | 1,170 |
| 6% | | 1% |
零售服务 |
| | 1,976 | | | 2,393 |
| | 2,152 |
| | 2,617 |
| | 1,658 |
| (37%) | | (16%) |
信用卡消费量 |
| |
| | |
|
| |
|
| |
|
| |
| | | | |
品牌卡 | | $ | 115.9 | | $ | 126.8 | | $ | 125.2 | | $ | 129.5 | | $ | 120.9 |
| (7%) | | 4% |
零售服务 | |
| 20.8 | |
| 24.8 | |
| 23.3 | |
| 26.0 | |
| 20.0 |
| (23%) | | (4%) |
平均贷款(1) | |
|
| |
|
| |
|
| |
|
| |
|
| | | | |
品牌卡 | | $ | 96.8 | | $ | 99.8 | | $ | 103.2 | | $ | 106.6 | | $ | 107.5 |
| 1% | | 11% |
零售服务 | |
| 48.8 | |
| 49.0 | |
| 50.2 | |
| 51.6 | |
| 51.7 |
| - | | 6% |
零售银行 | | | 38.0 | | | 40.3 | | | 42.2 | | | 43.9 | | | 45.0 | | 3% | | 18% |
EOP 贷款(1) | |
|
| |
|
| |
|
| |
|
| |
|
| | | | |
品牌卡 | | $ | 97.1 | | $ | 103.0 | | $ | 105.2 | | $ | 111.1 | | $ | 108.0 |
| (3%) | | 11% |
零售服务 | |
| 48.4 | |
| 50.0 | |
| 50.5 | |
| 53.6 | |
| 50.8 |
| (5%) | | 5% |
零售银行 | | | 39.2 | | | 41.5 | | | 43.1 | | | 44.4 | | | 45.6 | | 3% | | 16% |
总收入,扣除利息支出占平均贷款的百分比 | | | | | | | | | | | | | | | | | | | |
品牌卡 | | | 10.36% | | | 9.47% | | | 9.76% | | | 9.75% | | | 9.88% | | | | |
零售服务 | | | 13.38% | | | 13.45% | | | 13.66% | | | 12.58% | | | 14.78% | | | | |
NII占平均贷款的百分比(2) | |
|
| |
|
| |
|
| |
|
| |
|
| | | | |
品牌卡 | |
| 9.36% | |
| 9.01% | |
| 9.12% | |
| 9.17% | |
| 9.30% | | | | |
零售服务 | |
| 17.54% | |
| 17.44% | |
| 17.77% | |
| 16.99% | |
| 17.20% | | | | |
NCL 占平均贷款的百分比 | |
|
| |
|
| |
|
| |
|
| |
|
| | | | |
品牌卡 | |
| 2.18% | |
| 2.47% | |
| 2.72% | |
| 3.06% | |
| 3.65% | | | | |
零售服务 | |
| 4.08% | |
| 4.46% | |
| 4.53% | |
| 5.44% | |
| 6.32% | | | | |
零售银行 | | | 0.66% | | | 0.59% | | | 0.59% | | | 0.62% | | | 0.69% | | | | |
逾期90天以上的贷款占EOP贷款的百分比 | |
|
| |
|
| |
|
| |
|
| |
|
| | | | |
品牌卡 | |
| 0.78% | |
| 0.81% | |
| 0.92% | |
| 1.07% | |
| 1.19% | | | | |
零售服务 | |
| 1.76% | |
| 1.77% | |
| 2.12% | |
| 2.36% | |
| 2.53% | | | | |
零售银行(3) | | | 0.42% | | | 0.39% | | | 0.38% | | | 0.40% | | | 0.35% | | | | |
逾期30-89天的贷款占EOP贷款的百分比 | |
|
| |
|
| |
|
| |
|
| |
|
| | | | |
品牌卡 | |
| 0.76% | |
| 0.81% | |
| 0.97% | |
| 1.03% | |
| 1.01% | | | | |
零售服务 | |
| 1.66% | |
| 1.81% | |
| 2.13% | |
| 2.15% | |
| 2.18% | | | | |
零售银行(3) | | | 0.47% | | | 0.57% | | | 0.55% | | | 0.62% | | | 0.53% | | | | |
分支机构(实际) | |
| 653 | |
| 653 | |
| 652 | |
| 647 | |
| 645 |
| - | | (1%) |
抵押贷款发放 | | $ | 3.3 | | $ | 4.5 | | $ | 3.9 | | $ | 2.8 | | $ | 3.1 |
| 11% | | (6%) |
| | | | | | | | | | | | | | | | | | | |
(1) | 平均贷款、EOP贷款以及相关的消费者拖欠金额和比率包括利息和费用应收账款余额。 |
(2) | 净利息收入包括记作利息收入的某些费用。 |
(3) | 不包括美国政府赞助的机构担保贷款。 |
重新分类以符合本期的列报方式。
第 9 页
财富
(除非另有说明,否则以百万美元计)
| | | | | | | | | | | | | | | | | 24 年第一季度增长/ | ||
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | (减少)从 | |||||||
| | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 4Q23 | | 1Q23 | |||||
| | | | | | | | | | | | | | | | | | | |
净利息收入 |
| $ | 1,121 |
| $ | 1,113 |
| $ | 1,182 |
| $ | 1,044 |
| $ | 979 |
| (6%) | | (13%) |
费用收入 | |
| | | | | | | | | | | | | | | | | |
佣金和费用 | | | 305 | | | 307 | | | 302 | | | 297 | | | 344 | | 16% | | 13% |
其他(1) | | | 174 | | | 207 | | | 217 | | | 210 | | | 232 | | 10% | | 33% |
费用收入总额 | | | 479 | | | 514 | | | 519 | | | 507 | | | 576 | | 14% | | 20% |
所有其他(2) | | | 166 | | | 172 | | | 154 | | | 120 | | | 140 | | 17% | | (16)% |
非利息收入总额 | | | 645 | | | 686 | | | 673 | | | 627 | | | 716 | | 14% | | 11% |
总收入,扣除利息支出 | |
| 1,766 | |
| 1,799 | |
| 1,855 | |
| 1,671 | |
| 1,695 |
| 1% | | (4%) |
运营费用总额 | |
| 1,626 | |
| 1,660 | |
| 1,711 | |
| 1,647 | |
| 1,668 |
| 1% | | 3% |
贷款净信贷损失 | |
| 20 | |
| 23 | |
| 24 | |
| 31 | |
| 29 |
| (6%) | | 45% |
为贷款建立(发放)信贷储备 | |
| (69) | |
| 30 | |
| (19) | |
| (27) | |
| (190) |
| NM | | NM |
无准备金贷款承诺的信贷损失准备金(释放) | |
| (6) | |
| 1 | |
| (8) | |
| 1 | |
| (8) |
| NM | | (33%) |
福利和索赔准备金 (PBC) 及其他资产 | |
| (3) | |
| - | |
| 1 | |
| (1) | |
| (1) |
| - | | 67% |
信贷损失准备金和PBC准备金 | |
| (58) | |
| 54 | |
| (2) | |
| 4 | |
| (170) |
| NM | | NM |
税前持续经营的收入 | |
| 198 | |
| 85 | |
| 146 | |
| 20 | |
| 197 |
| NM | | (1%) |
所得税 | |
| 39 | |
| 21 | |
| 28 | |
| 15 | |
| 47 |
| NM | | 21% |
持续经营的收入 | |
| 159 | |
| 64 | |
| 118 | |
| 5 | |
| 150 |
| NM | | (6%) |
非控股权益 | |
| - | |
| - | |
| - | |
| - | |
| - |
| - | | - |
净收入 | | $ | 159 | | $ | 64 | | $ | 118 | | $ | 5 | | $ | 150 | | NM | | (6%) |
EOP 资产(以十亿计) | | $ | 258 | | $ | 241 | | $ | 236 | | $ | 232 | | $ | 230 | | (1%) | | (11%) |
平均资产(以十亿计) | |
| 261 | |
| 251 | |
| 240 | |
| 234 | |
| 238 | | 2% | | (9%) |
效率比 | |
| 92% | |
| 92% | |
| 92% | |
| 99% | |
| 98% | | (100) bps | | 600 个基点 |
平均分配的 TCE(以十亿计)(3) | | $ | 13.4 | | $ | 13.4 | | $ | 13.4 | | $ | 13.4 | | $ | 13.2 | | (1%) | | (1%) |
roTCE(3) | | | 4.8% | | | 1.9% | | | 3.5% | | | 0.1% | | | 4.6% | | 450 个基点 | | (20) bps |
| | | | | | | | | | | | | | | | | | | |
按组成部分划分的收入 | |
|
| |
|
| |
|
| |
|
| |
|
| | | | |
私人银行 | | $ | 568 | | $ | 605 | | $ | 617 | | $ | 542 | | $ | 571 | | 5% | | 1% |
工作中的财富 | |
| 193 | |
| 224 | |
| 234 | |
| 211 | |
| 181 | | (14%) | | (6%) |
Citigold | |
| 1,005 | |
| 970 | |
| 1,004 | |
| 918 | |
| 943 | | 3% | | (6%) |
总计 | | $ | 1,766 | | $ | 1,799 | | $ | 1,855 | | $ | 1,671 | | $ | 1,695 | | 1% | | (4%) |
| | | | | | | | | | | | | | | | | | | |
按地域划分的收入 | |
|
| |
|
| |
|
| |
|
| |
|
| | | | |
北美 | | $ | 900 | | $ | 904 | | $ | 953 | | $ | 858 | | $ | 773 | | (10%) | | (14%) |
国际 | |
| 866 | |
| 895 | |
| 902 | |
| 813 | |
| 922 | | 13% | | 6% |
总计 | | $ | 1,766 | | $ | 1,799 | | $ | 1,855 | | $ | 1,671 | | $ | 1,695 | | 1% | | (4%) |
| | | | | | | | | | | | | | | | | | | |
关键驱动因素(4)(以十亿美元计) | |
|
| |
|
| |
|
| |
|
| |
|
| | | | |
| | | | | | | | | | | | | | | | | | | |
EOP 客户余额 | | | | | | | | | | | | | | | | | | | |
估计的客户投资资产(5) | | $ | 459 | | $ | 470 | | $ | 471 | | $ | 498 | | $ | 515 | | 3% | | 12% |
存款 | |
| 322 | |
| 315 | |
| 307 | |
| 323 | |
| 323 | | - | | - |
贷款 | |
| 150 | |
| 151 | |
| 151 | |
| 152 | |
| 149 | | (2%) | | (1%) |
总计 | | $ | 931 | | $ | 936 | | $ | 929 | | $ | 973 | | $ | 987 | | 1% | | 6% |
| | | | | | | | | | | | | | | | | | | |
ACLL占EOP贷款的百分比 | | | 0.52% | | | 0.54% | | | 0.53% | | | 0.51% | | | 0.39% |
| (12) 个基点 | | (13) bps |
| | | | | | | | | | | | | | | | | | | |
(1) | 主要与信托和管理费有关。 |
(2) | 主要与包括外汇翻译在内的主要交易收入有关。 |
(3) | TCE 和 RoTCE 是非公认会计准则财务指标。请参阅第22页,了解各细分市场和各组成部分的平均分配TCE与花旗的总平均TCE和花旗的平均股东权益总额之和的对账情况。 |
(4) | 管理层使用这些信息来审查该细分市场的业绩,并认为该信息对投资者在基础细分市场的表现和趋势方面很有用。 |
(5) | 包括管理的资产以及信托和托管资产。 |
NM 没有意义。
重新分类以符合本期的列报方式。
第 10 页
所有其他——管理基础(1)(2)(3)
(除非另有说明,否则以百万美元计)
|
| |
| |
| |
| |
| | |
| 24 年第一季度增长/ | ||||||
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | (减少)来自 | |||||||
| | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 4Q23 |
| 1Q23 | |||||
| | | | | | | | | | | | | | | | | | | |
净利息收入 | | $ | 2,185 | | $ | 2,123 | | $ | 1,784 | | $ | 1,564 | | $ | 1,698 | | 9% | | (22%) |
非利息收入(4)(5) | | | 432 | | | 390 | | | 433 | | | 468 | | | 687 | | 47% | | 59% |
总收入,扣除利息支出 | | | 2,617 | | | 2,513 | | | 2,217 | | | 2,032 | | | 2,385 | | 17% | | (9%) |
运营费用总额(6)(7)(8) | | | 2,254 | | | 2,226 | | | 2,154 | | | 4,455 | | | 2,668 | | (40%) | | 18% |
贷款净信贷损失 | | | 198 | | | 199 | | | 237 | | | 236 | | | 249 | | 6% | | 26% |
为贷款建立(发放)信贷储备 | | | (17) | | | 74 | | | (21) | | | 92 | | | (93) | | NM | | NM |
无准备金贷款承诺的信贷损失准备金(释放) | | | (21) | | | (5) | | | (9) | | | (10) | | | (5) | | 50% | | 76% |
福利和索赔、其他资产和HTM债务证券准备金 | | | 286 | | | (67) | | | (9) | | | 142 | | | 34 | | (76%) | | (88%) |
信贷损失准备金以及福利和索赔准备金(PBC) | | | 446 | | | 201 | | | 198 | | | 460 | | | 185 | | (60%) | | (59%) |
税前持续经营的收入(亏损) | | | (83) | | | 86 | | | (135) | | | (2,883) | | | (468) | | 84% | | NM |
所得税(福利) | | | (291) | | | (10) | | | (54) | | | (642) | | | (5) | | 99% | | 98% |
来自持续经营的收入(亏损) | | | 208 | | | 96 | | | (81) | | | (2,241) | | | (463) | | 79% | | NM |
已终止业务的收入(亏损),扣除税款 | | | (1) | | | (1) | | | 2 | | | (1) | | | (1) | | — | | — |
非控股权益 | | | 9 | | | — | | | 9 | | | (2) | | | (7) | | NM | | NM |
净收益(亏损) | | $ | 198 | | $ | 95 | | $ | (88) | | $ | (2,240) | | $ | (457) | | 80% | | NM |
EOP 资产(以十亿计) | | $ | 216 | | $ | 206 | | $ | 193 | | $ | 196 | | $ | 200 | | 2% | | (7%) |
平均资产(以十亿计) | | | 211 | | | 205 | | | 201 | | | 196 | | | 196 | | — | | (7%) |
效率比 | | | 86% | | | 89% | | | 97% | | | 219% | | | 112% | | NM | | NM |
平均分配的 TCE(以十亿计)(9) | | $ | 28.3 | | $ | 31.3 | | $ | 32.5 | | $ | 32.4 | | $ | 25.6 | | (21%) | | (10%) |
| | | | | | | | | | | | | | | | | | | |
按申报单位和组成部分分列的收入 | | | | | | | | | | | | | | | | | | | |
墨西哥消费者/SBMM | | $ | 1,294 | | $ | 1,412 | | $ | 1,527 | | $ | 1,460 | | $ | 1,571 | | 8% | | 21% |
亚洲消费者 | | | 503 | | | 475 | | | 289 | | | 257 | | | 254 | | (1%) | | (50%) |
传统控股资产 | | | 8 | | | 5 | | | (9) | | | (9) | | | (11) | | (22%) | | NM |
公司/其他 | | | 812 | | | 621 | | | 410 | | | 324 | | | 571 | | 76% | | (30%) |
总计 | | $ | 2,617 | | $ | 2,513 | | $ | 2,217 | | $ | 2,032 | | $ | 2,385 | | 17% | | (9%) |
| | | | | | | | | | | | | | | | | | | |
墨西哥消费者/SBMM——关键指标(以十亿美元计) | | | | | | | | | | | | | | | | | | | |
EOP 贷款 | | $ | 22.0 | | $ | 23.9 | | $ | 24.0 | | $ | 25.2 | | $ | 26.0 | | 3% | | 18% |
EOP 存款 | | | 36.7 | | | 39.0 | | | 38.3 | | | 40.2 | | | 41.0 | | 2% | | 12% |
平均贷款 | | | 20.8 | | | 22.6 | | | 24.0 | | | 23.9 | | | 25.0 | | 5% | | 20% |
NCL 占平均贷款的百分比(仅限墨西哥消费者) | | | 2.89% | | | 2.77% | | | 3.17% | | | 3.24% | | | 3.72% | | | | |
逾期90天以上的贷款占EOP贷款的百分比(仅限墨西哥消费者) | | | 1.24% | | | 1.37% | | | 1.32% | | | 1.35% | | | 1.32% | | | | |
逾期30-89天的贷款占EOP贷款的百分比(仅限墨西哥消费者) | | | 1.26% | | | 1.28% | | | 1.33% | | | 1.35% | | | 1.33% | | | | |
| | | | | | | | | | | | | | | | | | | |
亚洲消费者——关键指标(以十亿美元计) | | | | | | | | | | | | | | | | | | | |
EOP 贷款 | | $ | 10.0 | | $ | 9.1 | | $ | 8.0 | | $ | 7.4 | | $ | 6.5 | | (12%) | | (35%) |
EOP 存款 | | | 14.4 | | | 12.2 | | | 10.8 | | | 9.5 | | | 9.0 | | (5%) | | (38%) |
平均贷款 | | | 12.1 | | | 9.5 | | | 8.6 | | | 7.8 | | | 6.9 | | (12%) | | (43%) |
| | | | | | | | | | | | | | | | | | | |
传统控股资产——关键指标(以十亿美元计) | | | | | | | | | | | | | | | | | | | |
EOP 贷款 | | $ | 2.8 | | $ | 2.7 | | $ | 2.5 | | $ | 2.5 | | $ | 2.3 | | (8%) | | (18%) |
(1) | 包括传统特许经营权和全球员工职能的某些未分配成本(包括财务、风险、人力资源、法律和合规相关成本)、其他公司费用、未分配的全球运营和技术费用及所得税,以及企业资金投资活动和已终止的业务。 |
(2) | 反映管理层的业绩,其中不包括与花旗剥离其亚洲个人银行业务以及计划剥离Legacy Franchises内的墨西哥个人银行、小型企业和中间市场银行业务相关的资产剥离相关影响。有关其他信息,请参阅第 14 页。 |
(3) | 所有其他管理基础的某些经营业绩是非公认会计准则财务指标。有关其他信息,请参见第 14 页。 |
(4) | 参见第 14 页的脚注 2。 |
(5) | 见第 14 页脚注 4。 |
(6) | 参见第 14 页的脚注 3。 |
(7) | 见第 14 页脚注 5。 |
(8) | 参见第 14 页的脚注 6。 |
(9) | TCE是一项非公认会计准则财务指标。有关各细分市场和组件平均分配总消费支出之和的对账表,请参阅第 22 页。 |
NM 没有意义。
重新分类以符合本期的列报方式。
第 11 页
所有其他——管理基础(1)(2)
传统特许经营权(3)
(除非另有说明,否则以百万美元计)
| | | | | | | | | | | | | | | | | 24 年第一季度增长/ | ||
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | (减少)从 | |||||||
|
| 2023 |
| 2023 |
| 2023 |
| 2023 |
| 2024 |
| 4Q23 |
| 1Q23 | |||||
| | | | | | | | | | | | | | | | | | | |
净利息收入 | | $ | 1,236 | | $ | 1,288 | | $ | 1,245 | | $ | 1,164 | | $ | 1,268 |
| 9% | | 3% |
非利息收入(4)(5) | |
| 569 | |
| 604 | |
| 562 | |
| 544 | |
| 546 |
| - | | (4%) |
总收入,扣除利息支出 | |
| 1,805 | |
| 1,892 | |
| 1,807 | |
| 1,708 | |
| 1,814 |
| 6% | | - |
运营费用总额(6)(7)(8) | |
| 1,661 | |
| 1,682 | |
| 1,653 | |
| 1,614 | |
| 1,588 |
| (2%) | | (4%) |
贷款净信贷损失 | |
| 198 | |
| 199 | |
| 237 | |
| 236 | |
| 249 |
| 6% | | 26% |
为贷款建立(发放)信贷储备 | |
| (17) | |
| 74 | |
| (21) | |
| 92 | |
| (93) |
| NM | | NM |
无准备金贷款承诺的信贷损失准备金(释放) | |
| (21) | |
| (5) | |
| (9) | |
| (10) | |
| (5) |
| 50% | | 76% |
福利和索赔(PBC)、其他资产和HTM债务证券准备金 | |
| 175 | |
| 46 | |
| (8) | |
| 153 | |
| 36 |
| (76%) | | (79%) |
信贷损失准备金和PBC准备金 | |
| 335 | |
| 314 | |
| 199 | |
| 471 | |
| 187 |
| (60%) | | (44%) |
税前持续经营的收入(亏损) | |
| (191) | |
| (104) | |
| (45) | |
| (377) | |
| 39 |
| NM | | NM |
所得税(福利) | |
| (160) | |
| (64) | |
| 23 | |
| (113) | |
| 28 |
| NM | | NM |
来自持续经营的收入(亏损) | |
| (31) | |
| (40) | |
| (68) | |
| (264) | |
| 11 |
| NM | | NM |
非控股权益 | |
| 2 | |
| 3 | |
| 2 | |
| 1 | |
| 2 |
| 100% | | - |
净收益(亏损) | | $ | (33) | | $ | (43) | | $ | (70) | | $ | (265) | | $ | 9 |
| NM | | NM |
EOP 资产(以十亿计) | | $ | 90 | | $ | 88 | | $ | 75 | | $ | 75 | | $ | 78 |
| 4% | | (13%) |
平均资产(以十亿计) | |
| 93 | |
| 88 | |
| 81 | |
| 76 | |
| 76 |
| - | | (18%) |
效率比 | |
| 92% | |
| 89% | |
| 91% | |
| 94% | |
| 88% | | (600) bps | | (400) bps |
分配的 TCE(以十亿计)(9) | | $ | 10.0 | | $ | 10.0 | | $ | 10.0 | | $ | 10.0 | | $ | 6.2 | | (38%) | | (38%) |
| | | | | | | | | | | | | | | | | | | |
按申报单位和组成部分分列的收入 | |
|
| |
|
| |
|
| |
|
| |
|
|
| | | |
墨西哥消费者/SBMM | | $ | 1,294 | | $ | 1,412 | | $ | 1,527 | | $ | 1,460 | | $ | 1,571 |
| 8% | | 21% |
亚洲消费者 | |
| 503 | |
| 475 | |
| 289 | |
| 257 | |
| 254 |
| (1%) | | (50%) |
传统控股资产 | |
| 8 | |
| 5 | |
| (9) | |
| (9) | |
| (11) |
| (22%) | | NM |
总计 | | $ | 1,805 | | $ | 1,892 | | $ | 1,807 | | $ | 1,708 | | $ | 1,814 |
| 6% | | - |
| | | | | | | | | | | | | | | | | | | |
墨西哥消费者/SBMM — 关键指标(以十亿美元计) | |
|
| |
|
| |
|
| |
|
| |
|
|
| | | |
EOP 贷款 | | $ | 22.0 | | $ | 23.9 | | $ | 24.0 | | $ | 25.2 | | $ | 26.0 |
| 3% | | 18% |
EOP 存款 | |
| 36.7 | |
| 39.0 | |
| 38.3 | |
| 40.2 | |
| 41.0 |
| 2% | | 12% |
平均贷款 | |
| 20.8 | |
| 22.6 | |
| 24.0 | |
| 23.9 | |
| 25.0 |
| 5% | | 20% |
NCL 占平均贷款的百分比(仅限墨西哥消费者) | |
| 2.89% | |
| 2.77% | |
| 3.17% | |
| 3.24% | |
| 3.72% | | | | |
逾期90天以上的贷款占EOP贷款的百分比(仅限墨西哥消费者) | |
| 1.24% | |
| 1.37% | |
| 1.32% | |
| 1.35% | |
| 1.32% | | | | |
逾期30-89天的贷款占EOP贷款的百分比(仅限墨西哥消费者) | |
| 1.26% | |
| 1.28% | |
| 1.33% | |
| 1.35% | |
| 1.33% | | | | |
| | | | | | | | | | | | | | | | | | | |
亚洲消费者-主要指标(以十亿美元计) | |
|
| |
|
| |
|
| |
|
| |
|
|
| | | |
EOP 贷款 | | $ | 10.0 | | $ | 9.1 | | $ | 8.0 | | $ | 7.4 | | $ | 6.5 |
| (12%) | | (35%) |
EOP 存款 | |
| 14.4 | |
| 12.2 | |
| 10.8 | |
| 9.5 | |
| 9.0 |
| (5%) | | (38%) |
平均贷款 | |
| 12.1 | |
| 9.5 | |
| 8.6 | |
| 7.8 | |
| 6.9 |
| (12%) | | (43%) |
| | | | | | | | | | | | | | | | | | | |
传统控股资产-关键指标(以十亿美元计) | |
|
| |
|
| |
|
| |
|
| |
|
|
| | | |
EOP 贷款 | | $ | 2.8 | | $ | 2.7 | | $ | 2.5 | | $ | 2.5 | | $ | 2.3 |
| (8%) | | (18%) |
(1) | 反映管理层的业绩,其中不包括与花旗剥离其亚洲个人银行业务以及计划剥离Legacy Franchises内的墨西哥个人银行、小型企业和中间市场银行业务相关的资产剥离相关影响。有关其他信息,请参阅第 14 页。 |
(2) | 所有其他管理基础的某些经营业绩是非公认会计准则财务指标。有关其他信息,请参见第 14 页。 |
(3) | 传统特许经营权包括花旗计划退出或已退出的亚洲、波兰和俄罗斯13个市场的消费者特许经营权(亚洲消费者);墨西哥的消费者、小型企业和中间市场银行业务(统称为墨西哥消费者/SBMM);以及传统控股资产(主要是北美消费者抵押贷款和其他遗留资产)。 |
(4) | 参见第 14 页的脚注 2。 |
(5) | 见第 14 页脚注 4。 |
(6) | 参见第 14 页的脚注 3。 |
(7) | 见第 14 页脚注 5。 |
(8) | 参见第 14 页的脚注 6。 |
(9) | TCE是一项非公认会计准则财务指标。有关各细分市场和组件平均分配总消费支出之和的对账表,请参阅第 22 页。 |
NM 没有意义。
重新分类以符合本期的列报方式。
第 12 页
所有其他
公司/其他(1)
(除非另有说明,否则以百万美元计)
| | | | | | | | | | | | 24 年第一季度增长/ | |||||||
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | (减少)从 | |||||||
|
| 2023 |
| 2023 |
| 2023 |
| 2023 |
| 2024 |
| 4Q23 |
| 1Q23 | |||||
| | | | | | | | | | | | | | | | | | | |
净利息收入 | | $ | 949 | | $ | 835 | | $ | 539 | | $ | 400 | | $ | 430 | | 8% | | (55%) |
非利息收入 | |
| (137) | |
| (214) | |
| (129) | |
| (76) | |
| 141 |
| NM |
| NM |
| | | | | | | | | | | | | | | | | | | |
总收入,扣除利息支出 | |
| 812 | |
| 621 | |
| 410 | |
| 324 | |
| 571 |
| 76% |
| (30%) |
| | | | | | | | | | | | | | | | | | | |
运营费用总额 | |
| 593 | |
| 544 | |
| 501 | |
| 2,841 | |
| 1,080 |
| (62%) |
| 82% |
其他资产和HTM债务证券的准备金 | |
| 111 | |
| (113) | |
| (1) | |
| (11) | |
| (2) |
| 82% |
| NM |
税前持续经营的收入(亏损) | |
| 108 | |
| 190 | |
| (90) | |
| (2,506) | |
| (507) |
| 80% |
| NM |
所得税(福利) | |
| (131) | |
| 54 | |
| (77) | |
| (529) | |
| (33) |
| 94% | | 75% |
来自持续经营的收入(亏损) | |
| 239 | |
| 136 | |
| (13) | |
| (1,977) | |
| (474) |
| 76% | | NM |
已终止业务的收入(亏损),扣除税款 | |
| (1) | |
| (1) | |
| 2 | |
| (1) | |
| (1) |
| - | | - |
非控股权益 | |
| 7 | |
| (3) | |
| 7 | |
| (3) | |
| (9) |
| NM | | NM |
净收益(亏损) | | $ | 231 | | $ | 138 | | $ | (18) | | $ | (1,975) | | $ | (466) |
| 76% | | NM |
| | | | | | | | | | | | | | | | | | | |
EOP 资产(以十亿计) | | $ | 126 | | $ | 118 | | $ | 118 | | $ | 121 | | $ | 122 |
| 1% | | (3%) |
平均分配的 TCE(以十亿计)(2) | | | 18.3 | | | 21.3 | | | 22.5 | | | 22.4 | | | 19.4 | | - | | 6% |
| | | | | | | | | | | | | | | | | | | |
(1) | 包括全球员工职能的某些未分配成本(包括财务、风险、人力资源、法律和合规相关成本)、其他公司支出和未分配的全球运营和技术费用及所得税,以及企业财资投资活动和已终止业务。 |
(2) | TCE是一项非公认会计准则财务指标。有关各细分市场和组件平均分配总消费支出之和的对账表,请参阅第 22 页。 |
NM 没有意义。
重新分类以符合本期的列报方式。
第 13 页
所有其他
对账项目(1)
资产剥离相关影响
(除非另有说明,否则以百万美元计)
| | | | | | | | | | | | | | | | | 24 年第一季度增长/ | ||
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | (减少)从 | |||||||
| | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 4Q23 | | 1Q23 | |||||
| | | | | | | | | | | | | | | | | | | |
净利息收入 |
| $ | - |
| $ | - |
| $ | - |
| $ | - |
| $ | - |
| - |
| - |
非利息收入(2)(4) | |
| 1,018 | |
| (6) | |
| 396 | |
| (62) | |
| (12) |
| 81% |
| NM |
总收入,扣除利息支出 | |
| 1,018 | |
| (6) | |
| 396 | |
| (62) | |
| (12) |
| 81% |
| NM |
运营费用总额(3)(5)(6) | |
| 73 | |
| 79 | |
| 114 | |
| 106 | |
| 110 |
| 4% |
| 51% |
贷款净信贷损失 | | | (12) | | | (8) | | | (19) | | | 33 | | | 11 | | (67%) | | NM |
为贷款建立(发放)信贷储备 | | | 3 | | | (3) | | | 2 | | | (63) | | | - | | 100% | | (100%) |
无准备金贷款承诺的信贷损失准备金(释放) | |
| 1 | |
| (1) | |
| - | |
| - | |
| - |
| - |
| (100%) |
福利和索赔、其他资产和HTM债务证券准备金 | | | - | | | - | | | - | | | - | | | - | | - | | - |
信贷损失准备金以及福利和索赔准备金(PBC) | |
| (8) | |
| (12) | |
| (17) | |
| (30) | |
| 11 |
| NM |
| NM |
税前持续经营的收入(亏损) | |
| 953 | |
| (73) | |
| 299 | |
| (138) | |
| (133) |
| 4% | | NM |
所得税(福利) | |
| 305 | |
| 19 | |
| 85 | |
| (27) | |
| (39) |
| (44%) | | NM |
来自持续经营的收入(亏损) | | | 648 | | | (92) | | | 214 | | | (111) | | | (94) | | 15% | | NM |
已终止业务的收入(亏损),扣除税款 | |
| - | |
| - | |
| - | |
| - | |
| - |
| - | | - |
非控股权益 | |
| - | |
| - | |
| - | |
| - | |
| - |
| - | | - |
净收益(亏损) | | $ | 648 | | $ | (92) | | $ | 214 | | $ | (111) | | $ | (94) |
| 15% | | NM |
| | | | | | | | | | | | | | | | | | | |
(1) | 对账项目包括资产剥离相关影响,不包括在 “所有其他” 和 “所有其他——传统特许经营权” 管理结果中。对账项目全面反映在花旗合并损益表第2页中每个细列项目的对账项目中。 |
(2) | 23年第一季度包括与花旗出售印度个人银行业务相关的收入约10.59亿美元的销售收益(扣除各种税后约为7.27亿美元)。有关更多信息,请参阅花旗截至2023年3月31日的季度期的10-Q表季度报告。 |
(3) | 23年第二季度包括约7,900万美元的支出(税后约为5700万美元),主要与墨西哥的离职成本和亚洲退出市场的遣散费有关。有关更多信息,请参阅花旗截至2023年6月30日的季度期的10-Q表季度报告。 |
(4) | 23年第三季度包括与花旗出售台湾个人银行业务相关的约4.03亿美元的销售收益(扣除各种税后约为2.84亿美元)。有关更多信息,请参阅花旗截至2023年9月30日的季度期的10-Q表季度报告。 |
(5) | 2023年第四季度包括约1.06亿美元的运营支出(税后约为7,500万美元),主要与墨西哥的离职成本和亚洲退出市场的遣散费有关。有关更多信息,请参阅花旗截至2023年12月31日止年度的10-K表年度报告。 |
(6) | 24年第一季度包括约1.1亿美元的运营支出(税后约为7700万美元),主要与墨西哥的离职成本和亚洲退出市场的遣散费有关。 |
NM 没有意义。
重新分类以符合本期的列报方式。
第 14 页
平均余额和利率(1)(2)(3)(4)(5)
应纳税等值基础
| | 平均交易量 | | 利息 | | % 平均汇率(4) | ||||||||||||||||||
| | | | | | | | | | | | | | | | | | | ||||||
| | | | | | | | | | | | | | | | | | | ||||||
(以百万美元计),除非另有说明 |
| 1Q23 | | 4Q23 | | 1Q24(5) | | 1Q23 | | 4Q23 | | 1Q24(5) | | 1Q23 | | 4Q23 | | 1Q24(5) | ||||||
资产 |
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
|
|
|
|
|
|
在银行存款 | | $ | 328,141 | | $ | 251,723 | | $ | 251,928 | | $ | 3,031 | | $ | 2,513 | | $ | 2,647 |
| 3.75% | | 3.96% | | 4.23% |
根据转售协议借入和购买的证券(6) | |
| 368,049 | |
| 357,058 | |
| 358,699 | | | 5,174 | | | 8,096 | | | 7,822 | | 5.70% | | 9.00% | | 8.77% |
交易账户资产(7) | |
| 298,824 | |
| 354,090 | |
| 369,681 | | | 2,748 | | | 4,067 | | | 4,128 | | 3.73% | | 4.56% | | 4.49% |
投资 | |
| 516,524 | |
| 516,272 | |
| 516,121 | | | 4,159 | | | 4,993 | | | 4,857 | | 3.27% | | 3.84% | | 3.78% |
消费贷款 | |
| 363,669 | |
| 380,430 | |
| 381,800 | | | 8,624 | | | 9,669 | | | 9,798 | | 9.62% | | 10.08% | | 10.32% |
企业贷款 | |
| 290,068 | |
| 294,242 | |
| 296,955 | | | 4,687 | | | 5,832 | | | 5,759 | | 6.55% | | 7.86% | | 7.80% |
贷款总额(扣除未赚取的收入)(8) | |
| 653,737 | |
| 674,672 | |
| 678,755 | | | 13,311 | | | 15,501 | | | 15,557 | | 8.26% | | 9.12% | | 9.22% |
其他赚取利息的资产 | |
| 87,758 | |
| 76,483 | |
| 75,001 | | | 1,016 | | | 1,230 | | | 1,235 | | 4.70% | | 6.38% | | 6.62% |
平均利息收入资产总额 | | $ | 2,253,033 | | $ | 2,230,298 | | $ | 2,250,185 | | $ | 29,439 | | $ | 36,400 | | $ | 36,246 | | 5.30% | | 6.48% | | 6.48% |
| | | | | | | | | | | | | | | | | | | | | | | | |
负债 | |
| |
| |
| | | | | | | | | | | | | | | | | ||
存款 | | $ | 1,147,176 | | $ | 1,124,798 | | $ | 1,132,197 | | $ | 7,708 | | $ | 10,235 | | $ | 10,411 | | 2.72% | | 3.61% | | 3.70% |
根据回购协议借出和出售的证券(6) | |
| 223,708 | |
| 288,144 | |
| 310,540 | | | 3,566 | | | 6,830 | | | 6,966 | | 6.46% | | 9.40% | | 9.02% |
交易账户负债(7) | |
| 129,361 | |
| 106,399 | |
| 103,674 | | | 787 | | | 878 | | | 831 | | 2.47% | | 3.27% | | 3.22% |
短期借款和其他计息负债 | |
| 144,022 | |
| 116,054 | |
| 108,600 | | | 1,649 | | | 2,056 | | | 1,956 | | 4.64% | | 7.03% | | 7.24% |
长期债务(9) | |
| 170,533 | |
| 165,349 | |
| 168,628 | | | 2,337 | | | 2,556 | | | 2,552 | | 5.56% | | 6.13% | | 6.09% |
平均计息负债总额 | | $ | 1,814,800 | | $ | 1,800,744 | | $ | 1,823,639 | | $ | 16,047 | | $ | 22,555 | | $ | 22,716 | | 3.59% | | 4.97% | | 5.01% |
| | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | |
净利息收入占平均计息资产(NIM)的百分比(9) | |
|
| |
|
| |
| | | $ | 13,392 | | $ | 13,845 | | $ | 13,530 | | 2.41% | | 2.46% | | 2.42% |
| | | | | | | | | | | | | | | | | | | | | | | | |
24 年第一季度增长(减少)来自: | |
|
| |
|
| |
|
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|
| |
|
| |
| |
| 1 | bps | (4) | bps | |
| | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | |
(1) | 利息收入和净利息收入包括23年第一季度的应纳税等值调整(基于21%的美国联邦法定税率),为4,400万美元,2,33年第四季度为2,100万美元,24年第一季度为2,300万美元。 |
(2) | 花旗集团的平均余额和利率包括国内和国际业务。 |
(3) | 某些没有每日平均值的子公司使用了月平均值。 |
(4) | 平均利率百分比是按年化利息与平均交易量之比计算得出的。 |
(5) | 24 年第 1 季度是初步的。 |
(6) | 根据FIN 41,根据转售协议借入或购买的证券以及根据回购协议借出或出售的证券的平均交易量按净额列报;相关利息不包括亚利桑那州立大学2013-01(主题210)的影响。 |
(7) | 服务、市场和银行业交易账户负债的利息支出列为利息收入的减少。现金抵押品头寸的利息收入和利息支出分别在交易账户资产和交易账户负债中报告。 |
(8) | 不良贷款包含在平均贷款余额中。 |
(9) | 不包括本金交易收入中记录公允价值变动的混合金融工具。 |
重新分类以符合本期的列报方式。
第 15 页
EOP 贷款(1)(2)
(以十亿美元计)
| | | | | | | | | | | | | | | | | 24 年第一季度增长/ | ||
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | (减少)从 | |||||||
| | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 4Q23 | | 1Q23 | |||||
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按地区划分的公司贷款 |
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北美 | | $ | 125.1 | | $ | 121.7 | | $ | 123.0 | | $ | 128.9 | | $ | 122.9 |
| (5%) |
| (2%) |
国际 | |
| 163.2 | |
| 164.3 | |
| 165.6 | |
| 171.3 | |
| 169.9 |
| (1%) | | 4% |
公司贷款总额 | | $ | 288.3 | | $ | 286.0 | | $ | 288.6 | | $ | 300.2 | | $ | 292.8 |
| (2%) | | 2% |
| | | | | | | | | | | | | | | | | | | |
按细分市场和报告单位分列的公司贷款 | |
| | |
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服务 | | $ | 80.1 | | $ | 83.6 | | $ | 83.5 | | $ | 84.7 | | $ | 80.5 |
| (5%) | | - |
市场 | |
| 111.4 | |
| 107.1 | |
| 112.1 | |
| 122.2 | |
| 118.6 |
| (3%) | | 6% |
银行业 | |
| 91.1 | |
| 89.2 | |
| 86.8 | |
| 86.8 | |
| 87.3 |
| 1% | | (4%) |
所有其他-传统特许经营权-墨西哥 SBMM | |
| 5.7 | |
| 6.1 | |
| 6.2 | |
| 6.5 | |
| 6.4 |
| (2%) | | 12% |
公司贷款总额 | | $ | 288.3 | | $ | 286.0 | | $ | 288.6 | | $ | 300.2 | | $ | 292.8 |
| (2%) | | 2% |
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USPB | |
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品牌卡 | | $ | 97.1 | | $ | 103.0 | | $ | 105.2 | | $ | 111.1 | | $ | 108.0 |
| (3%) | | 11% |
零售服务 | |
| 48.4 | |
| 50.0 | |
| 50.5 | |
| 53.6 | |
| 50.8 |
| (5%) | | 5% |
零售银行 | |
| 39.2 | |
| 41.5 | |
| 43.1 | |
| 44.4 | |
| 45.6 |
| 3% | | 16% |
总计 | | $ | 184.7 | | $ | 194.5 | | $ | 198.8 | | $ | 209.1 | | $ | 204.4 |
| (2%) | | 11% |
| | | | | | | | | | | | | | | | | | | |
按地区划分的财富 | | | | | | | | | | | | | | | | | | | |
北美 | | $ | 98.9 | | $ | 99.5 | | $ | 101.1 | | $ | 101.6 | | $ | 100.0 | | (2%) | | 1% |
国际 | | | 51.0 | | | 51.0 | | | 49.5 | | | 49.9 | | | 49.0 | | (2%) | | (4%) |
总计 | | $ | 149.9 | | $ | 150.5 | | $ | 150.6 | | $ | 151.5 | | $ | 149.0 | | (2%) | | (1%) |
| | | | | | | | | | | | | | | | | | | |
所有其他-消费者 | |
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墨西哥消费者 | | $ | 16.3 | | $ | 17.8 | | $ | 17.8 | | $ | 18.7 | | $ | 19.6 |
| 5% | | 20% |
亚洲消费者(3) | |
| 10.0 | |
| 9.1 | |
| 8.0 | |
| 7.4 | |
| 6.5 |
| (12%) | | (35%) |
传统控股资产 | |
| 2.8 | |
| 2.7 | |
| 2.5 | |
| 2.5 | |
| 2.3 |
| (8%) | | (18%) |
总计 | | $ | 29.1 | | $ | 29.6 | | $ | 28.3 | | $ | 28.6 | | $ | 28.4 |
| (1%) | | (2%) |
| | | | | | | | | | | | | | | | | | | |
消费贷款总额 | | $ | 363.7 | | $ | 374.6 | | $ | 377.7 | | $ | 389.2 | | $ | 381.8 |
| (2%) | | 5% |
| | | | | | | | | | | | | | | | | | | |
贷款总额-EOP | | $ | 652.0 | | $ | 660.6 | | $ | 666.3 | | $ | 689.4 | | $ | 674.6 |
| (2%) | | 3% |
| | | | | | | | | | | | | | | | | | | |
贷款总额-平均值 | | $ | 653.7 | | $ | 653.6 | | $ | 662.3 | | $ | 674.7 | | $ | 678.8 |
| 1% |
| 4% |
| | | | | | | | | | | | | | | | | | | |
NCL 占平均贷款总额的百分比 | | | 0.81% | | | 0.92% | | | 0.98% | | | 1.17% | | | 1.36% | | 19 个基点 | | 55 个基点 |
| | | | | | | | | | | | | | | | | | | |
(1) | 公司贷款包括由服务、市场、银行和所有其他——传统特许经营权——墨西哥SBMM管理的贷款,这些贷款包含在公司贷款中。 |
(2) | 消费贷款包括由USPB、Wealth和所有其他传统特许经营权管理的贷款(墨西哥小型企业和中间市场银行(墨西哥SBMM)贷款除外),这些贷款包含在消费者贷款中。 |
(3) | 《亚洲消费者》还包括波兰和俄罗斯的贷款。 |
NM 没有意义。
重新分类以符合本期的列报方式。
第 16 页
EOP 存款
(以十亿美元计)
| | | | | | | | | | | | | | | | | 24 年第一季度增长/ | ||
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | (减少)从 | |||||||
|
| 2023 |
| 2023 |
| 2023 |
| 2023 |
| 2024 |
| 4Q23 |
| 1Q23 | |||||
按地区划分的服务、市场和银行业务 | | | | | | | | | | | | | | | | | | | |
北美 | | $ | 394.7 | | $ | 393.3 | | $ | 371.6 | | $ | 371.1 | | $ | 375.7 |
| 1% |
| (5%) |
国际 | |
| 426.1 | |
| 426.5 | |
| 412.3 | |
| 431.8 | |
| 436.0 |
| 1% |
| 2% |
总计 | | $ | 820.8 | | $ | 819.8 | | $ | 783.9 | | $ | 802.9 | | $ | 811.7 |
| 1% |
| (1%) |
| | | | | | | | | | | | | | | | | | | |
财资和贸易解决方案 | | $ | 672.5 | | $ | 673.2 | | $ | 644.8 | | $ | 661.5 | | $ | 662.1 |
| - |
| (2%) |
证券服务 | |
| 124.2 | |
| 124.4 | |
| 113.7 | |
| 119.9 | |
| 125.3 |
| 5% |
| 1% |
服务 | | $ | 796.7 | | $ | 797.6 | | $ | 758.5 | | $ | 781.4 | | $ | 787.4 |
| 1% |
| (1%) |
市场 | |
| 22.8 | |
| 21.3 | |
| 24.5 | |
| 20.8 | |
| 23.6 |
| 13% |
| 4% |
银行业 | |
| 1.3 | |
| 0.9 | |
| 0.9 | |
| 0.7 | |
| 0.7 |
| - |
| (46%) |
总计 | | $ | 820.8 | | $ | 819.8 | | $ | 783.9 | | $ | 802.9 | | $ | 811.7 |
| 1% |
| (1%) |
| | | | | | | | | | | | | | | | | | | |
USPB | | $ | 114.7 | | $ | 112.3 | | $ | 108.9 | | $ | 103.2 | | $ | 99.6 |
| (3%) |
| (13%) |
| | | | | | | | | | | | | | | | | | | |
财富 | | | | | | | | | | | | | | | | | | | |
北美 | | $ | 192.6 | | $ | 184.7 | | $ | 183.8 | | $ | 196.2 | | $ | 196.0 |
| - |
| 2% |
国际 | |
| 129.6 | |
| 129.8 | |
| 123.6 | |
| 126.5 | |
| 127.2 |
| 1% |
| (2%) |
总计 | | $ | 322.2 | | $ | 314.5 | | $ | 307.4 | | $ | 322.7 | | $ | 323.2 |
| - |
| - |
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所有其他 | |
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传统特许经营权 | | | | | | | | | | | | | | | | | | | |
墨西哥消费者 | | $ | 29.1 | | $ | 30.6 | | $ | 29.6 | | $ | 31.9 | | $ | 31.8 |
| - |
| 9% |
墨西哥 SBMM—企业 | | | 7.6 | | | 8.4 | | | 8.7 | | | 8.3 | | | 9.2 | | 11% | | 21% |
亚洲消费者(1) | |
| 14.4 | |
| 12.2 | |
| 10.8 | |
| 9.5 | |
| 9.0 |
| (5%) |
| (38%) |
传统控股资产 | |
| - | |
| - | |
| - | |
| - | |
| - |
| - |
| - |
公司/其他 | |
| 21.7 | |
| 22.1 | |
| 24.2 | |
| 30.2 | |
| 22.7 |
| (25%) |
| 5% |
总计 | | $ | 72.8 | | $ | 73.3 | | $ | 73.3 | | $ | 79.9 | | $ | 72.7 |
| (9%) |
| - |
| | | | | | | | | | | | | | | | | | | |
存款总额-EOP | | $ | 1,330.5 | | $ | 1,319.9 | | $ | 1,273.5 | | $ | 1,308.7 | | $ | 1,307.2 |
| - |
| (2%) |
| | | | | | | | | | | | | | | | | | | |
存款总额-平均值 | | $ | 1,363.2 | | $ | 1,338.2 | | $ | 1,315.1 | | $ | 1,319.7 | | $ | 1,326.4 |
| 1% |
| (3%) |
| | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
(1) | 亚洲消费者还包括波兰和俄罗斯的存款。 |
NM没有意义。
重新分类以符合本期的列报方式。
第 17 页
信用损失备抵金 (ACL) 向前滚动
(以百万美元计,比率除外)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | 构建 | | | | | | | | | ACL/EOP | |
| | 平衡 | | | 构建(发布) | | 2023 财年 | | | 平衡 | | (发布) | | 1Q24 | | | 平衡 | | 贷款 | ||||||||||||||||||||
| | 12/31/22 | | | 1Q23 | | 2Q23 | | 3Q23 | | 4Q23 | | | 2023 财年 | | FX/其他(1) | | | 12/31/23 | | 1Q24 | | FX/其他 | | | 3/31/24 | | 3/31/24 | |||||||||||
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
贷款信贷损失备抵金 (ACLL) |
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服务 | | $ | 356 | | | $ | (72) | | $ | (14) | | $ | 6 | | $ | 127 | | | $ | 47 | | $ | (6) | | | $ | 397 | | $ | 34 | | $ | - | | | $ | 431 | | |
市场 | | | 633 | | | | 64 | | | (23) | | | 119 | | | 41 | | | | 201 | | | (15) | | | | 819 | | | 120 | | | 1 | | | | 940 | | |
银行业 | | | 1,746 | | | | (50) | | | (110) | | | (22) | | | (163) | | | | (345) | | | (24) | | | | 1,377 | | | (89) | | | (3) | | | | 1,285 | | |
传统特许经营企业(墨西哥SBMM) | | | 120 | | | | (27) | | | (5) | | | (1) | | | 1 | | | | (32) | | | 33 | | | | 121 | | | (8) | | | 3 | | | | 116 | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
企业呼叫总额 | | $ | 2,855 | | | $ | (85) | | $ | (152) | | $ | 102 | | $ | 6 | | | $ | (129) | | $ | (12) | | | $ | 2,714 | | $ | 57 | | $ | 1 | | | $ | 2,772 | | 0.97% |
美国卡 | | $ | 11,393 | | | $ | 536 | | $ | 276 | | $ | 128 | | $ | 466 | | | $ | 1,406 | | $ | (173) | | | $ | 12,626 | | $ | 326 | | $ | (1) | | | $ | 12,951 | | 8.16% |
零售银行 | | | 447 | | | | 40 | | | 27 | | | (14) | | | 5 | | | | 58 | | | (29) | | | | 476 | | | 11 | | | - | | | | 487 | | |
USPB 总计 | | $ | 11,840 | | | $ | 576 | | $ | 303 | | $ | 114 | | $ | 471 | | | $ | 1,464 | | $ | (202) | | | $ | 13,102 | | $ | 337 | | $ | (1) | | | $ | 13,438 | | |
财富 | | | 883 | | | | (69) | | | 30 | | | (19) | | | (27) | | | | (85) | | | (30) | | | | 768 | | | (190) | | | (2) | | | | 576 | | |
所有其他——消费者 | | | 1,396 | | | | 13 | | | 76 | | | (18) | | | 28 | | | | 99 | | | 66 | | | | 1,561 | | | (85) | | | 34 | | | | 1,510 | | |
消费者 CLL 总量 | | $ | 14,119 | | | $ | 520 | | $ | 409 | | $ | 77 | | $ | 472 | | | $ | 1,478 | | $ | (166) | | | $ | 15,431 | | $ | 62 | | $ | 31 | | | $ | 15,524 | | 4.07% |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
ACLL 总计 | | $ | 16,974 | | | $ | 435 | | $ | 257 | | $ | 179 | | $ | 478 | | | $ | 1,349 | | $ | (178) | | | $ | 18,145 | | $ | 119 | | $ | 32 | | | $ | 18,296 | | 2.75% |
无准备金贷款承诺的信贷损失备抵金 (ACLUC) | | $ | 2,151 | | | $ | (194) | | $ | (96) | | $ | (54) | | $ | (81) | | | $ | (425) | | $ | 2 | | | $ | 1,728 | | $ | (98) | | $ | (1) | | | $ | 1,629 | | |
ACLL 和 ACLUC (EOP) 总计 | | | 19,125 | | | | | | | | | | | | | | | | | | | | | | | | 19,873 | | | | | | | | | | 19,925 | | |
其他(2) | | | 243 | | | | 408 | | | 145 | | | 53 | | | 1,132 | | | | 1,738 | | | (98) | | | | 1,883 | | | 14 | | | (69) | | | | 1,828 | | |
信用损失准备金总额 (ACL) | | $ | 19,368 | | | $ | 649 | | $ | 306 | | $ | 178 | | $ | 1,529 | | | $ | 2,662 | | $ | (274) | | | $ | 21,756 | | $ | 35 | | $ | (38) | | | $ | 21,753 | | |
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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(1) | 包括与采用亚利桑那州立大学第2022-02号相关的2023年1月1日开盘调整, 金融工具-信贷损失(主题 326):TDR 和过期披露。参见第 19 页。 |
(2) | 包括有关HTM证券和其他资产的ACL活动。 |
重新分类以符合本期的列报方式。
第 18 页
贷款信贷损失备抵金 (ACLL) 和无准备金贷款承诺 (ACLUC)
第 1 页
(以百万美元计)
| | | | | | | | | | | | | | | | | 24 年第一季度增长/ | ||
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | (减少)从 | |||||||
|
| 2023 |
| 2023 |
| 2023 |
| 2023 |
| 2024 |
| 4Q23 |
| 1Q23 | |||||
花旗集团总计 | | | | | | | | | | | | | | | | | | | |
期初贷款信贷损失备抵金(ACLL) | | $ | 16,974 | | $ | 17,169 | | $ | 17,496 | | $ | 17,629 | | $ | 18,145 |
| 3% |
| 7% |
期初余额的调整 | |
|
| |
|
| |
|
| |
|
| |
| | | | | |
金融工具——TDR 和年份披露(1) | |
| (352) | |
| - | |
| - | |
| - | |
| - | | | | |
期初调整后的ACLL | |
| 16,622 | |
| 17,169 | |
| 17,496 | |
| 17,629 | |
| 18,145 |
| 3% |
| 9% |
贷款信贷总额(亏损) | |
| (1,634) | |
| (1,879) | |
| (2,000) | |
| (2,368) | |
| (2,690) |
| (14%) |
| (65%) |
贷款回收总额 | |
| 332 | |
| 375 | |
| 363 | |
| 374 | |
| 387 |
| 3% |
| 17% |
净信贷(亏损)/贷款回收额(NCL) | |
| (1,302) | |
| (1,504) | |
| (1,637) | |
| (1,994) | |
| (2,303) |
| 15% |
| 77% |
补给 NCL | |
| 1,302 | |
| 1,504 | |
| 1,637 | |
| 1,994 | |
| 2,303 |
| 15% |
| 77% |
贷款净储备积累/(发放) | |
| 435 | |
| 257 | |
| 179 | |
| 478 | |
| 119 |
| (75%) |
| (73%) |
贷款信贷损失准备金(PCLL) | |
| 1,737 | |
| 1,761 | |
| 1,816 | |
| 2,472 | |
| 2,422 |
| (2%) |
| 39% |
其他,净额(2)(3)(4)(5)(6)(7) | |
| 112 | |
| 70 | |
| (46) | |
| 38 | |
| 32 |
| (16%) |
| (71%) |
期末的ACLL (a) | | $ | 17,169 | | $ | 17,496 | | $ | 17,629 | | $ | 18,145 | | $ | 18,296 |
| 1% |
| 7% |
| | | | | | | | | | | | | | | | | | | |
无准备金贷款承诺的信贷损失备抵金 (ACLUC)(8) (a) | | $ | 1,959 | | $ | 1,862 | | $ | 1,806 | | $ | 1,728 | | $ | 1,629 |
| (6%) |
| (17%) |
| | | | | | | | | | | | | | | | | | | |
无准备金贷款承诺的信贷损失准备金(释放) | | $ | (194) | | $ | (96) | | $ | (54) | | $ | (81) | | $ | (98) |
| (21%) |
| 49% |
| | | | | | | | | | | | | | | | | | | |
贷款、租赁和无准备金贷款承诺的信贷损失备抵总额 [(a) 的总和] | | $ | 19,128 | | $ | 19,358 | | $ | 19,435 | | $ | 19,873 | | $ | 19,925 |
| - |
| 4% |
| | | | | | | | | | | | | | | | | | | |
ACLL 总额占贷款总额的百分比(9) | |
| 2.65% | |
| 2.67% | |
| 2.68% | |
| 2.66% | |
| 2.75% | | 9 bps | | 10 bps |
| | | | | | | | | | | | | | | | | | | |
消费者 | |
|
| |
|
| |
|
| |
|
| |
| | | | | |
期初的ACLL | | $ | 14,119 | | $ | 14,389 | | $ | 14,866 | | $ | 14,912 | | $ | 15,431 |
| 3% |
| 9% |
期初余额的调整 | |
|
| |
|
| |
|
| |
|
| |
| | | | | |
金融工具——TDR 和年份披露(1) | |
| (352) | |
| - | |
| - | |
| - | |
| - | | | | |
期初调整后的ACLL | |
| 13,767 | |
| 14,389 | |
| 14,866 | |
| 14,912 | |
| 15,431 |
| 3% |
| 12% |
| | | | | | | | | | | | | | | | | | | |
NCL | |
| (1,280) | |
| (1,429) | |
| (1,579) | |
| (1,899) | |
| (2,139) |
| 13% |
| 67% |
补给 NCL | |
| 1,280 | |
| 1,429 | |
| 1,579 | |
| 1,899 | |
| 2,139 |
| 13% |
| 67% |
贷款净储备积累/(发放) | |
| 520 | |
| 409 | |
| 77 | |
| 472 | |
| 62 |
| (87%) |
| (88%) |
贷款信贷损失准备金(PCLL) | |
| 1,800 | |
| 1,838 | |
| 1,656 | |
| 2,371 | |
| 2,201 |
| (7%) |
| 22% |
其他,净额(2)(3)(4)(5)(6)(7) | |
| 102 | |
| 68 | |
| (31) | |
| 47 | |
| 31 |
| (34%) |
| (70%) |
期末的ACLL (b) | | $ | 14,389 | | $ | 14,866 | | $ | 14,912 | | $ | 15,431 | | $ | 15,524 |
| 1% |
| 8% |
| | | | | | | | | | | | | | | | | | | |
消费者 ACLUC(8) (b) | | $ | 101 | | $ | 88 | | $ | 65 | | $ | 62 | | $ | 46 |
| (26%) |
| (54%) |
| | | | | | | | | | | | | | | | | | | |
无准备金贷款承诺的信贷损失准备金(释放) | | $ | (17) | | $ | (4) | | $ | (20) | | $ | (5) | | $ | (15) |
| NM |
| 12% |
| | | | | | | | | | | | | | | | | | | |
贷款、租赁和无准备金贷款承诺的信贷损失备抵总额 [(b) 的总和] | | $ | 14,490 | | $ | 14,954 | | $ | 14,977 | | $ | 15,493 | | $ | 15,570 |
| - |
| 7% |
| | | | | | | | | | | | | | | | | | | |
消费者ACLL占消费贷款总额的百分比 | |
| 3.96% | |
| 3.97% | |
| 3.95% | |
| 3.97% | |
| 4.07% | | 10 bps | | 11 bps |
| | | | | | | | | | | | | | | | | | | |
企业 | |
|
| |
|
| |
|
| |
|
| |
|
| | | | |
期初的ACLL | | $ | 2,855 | | $ | 2,780 | | $ | 2,630 | | $ | 2,717 | | $ | 2,714 |
| - |
| (5%) |
| | | | | | | | | | | | | | | | | | | |
NCL | |
| (22) | |
| (75) | |
| (58) | |
| (95) | |
| (164) |
| 73% |
| NM |
补给 NCL | |
| 22 | |
| 75 | |
| 58 | |
| 95 | |
| 164 |
| 73% |
| NM |
贷款净储备积累/(发放) | |
| (85) | |
| (152) | |
| 102 | |
| 6 | |
| 57 |
| NM |
| NM |
贷款信贷损失准备金(PCLL) | |
| (63) | |
| (77) | |
| 160 | |
| 101 | |
| 221 |
| NM |
| NM |
其他,净额(2) | |
| 10 | |
| 2 | |
| (15) | |
| (9) | |
| 1 |
| NM |
| (90%) |
期末的ACLL (c) | | $ | 2,780 | | $ | 2,630 | | $ | 2,717 | | $ | 2,714 | | $ | 2,772 |
| 2% |
| - |
| | | | | | | | | | | | | | | | | | | |
企业 ACLUC(8) (c) | | $ | 1,858 | | $ | 1,774 | | $ | 1,741 | | $ | 1,666 | | $ | 1,583 |
| (5%) |
| (15%) |
| | | | | | | | | | | | | | | | | | | |
无准备金贷款承诺的信贷损失准备金(释放) | | $ | (177) | | $ | (92) | | $ | (34) | | $ | (76) | | $ | (83) |
| (9%) |
| 53% |
| | | | | | | | | | | | | | | | | | | |
贷款、租赁和无准备金贷款承诺的信贷损失备抵总额 [(c) 的总和] | | $ | 4,638 | | $ | 4,404 | | $ | 4,458 | | $ | 4,380 | | $ | 4,355 |
| (1%) |
| (6%) |
| | | | | | | | | | | | | | | | | | | |
企业ACLL占公司贷款总额的百分比(9) | |
| 0.98% | |
| 0.94% | |
| 0.97% | |
| 0.93% | |
| 0.97% | | 4 bps | | (1) 个基点 |
| | | | | | | | | | | | | | | | | | | |
此表的脚注位于下一页(第 20 页)上。
第 19 页
贷款信贷损失备抵金 (ACLL) 和无准备金贷款承诺 (ACLUC)
第 2 页
以下脚注与上一页(第 19 页)的表格有关:
(1) | 包括与采用亚利桑那州立大学第2022-02号 “金融工具—信贷损失(主题326):TDR和年份披露” 相关的2023年1月1日期初调整。参见第 19 页。 |
(2) | 包括对信贷损失准备金的所有调整,例如收购、处置、证券化、外币折算(外汇折算)、购买会计调整等产生的备抵金变动。 |
(3) | 22 年第 4 季度主要与外汇翻译有关。 |
(4) | 23 年第 1 季度主要与外汇翻译有关。 |
(5) | 23 年第二季度主要与外汇翻译有关。 |
(6) | 23 年第三季度主要与外汇翻译有关。 |
(7) | 23 年第 4 季度主要与外汇翻译有关。 |
(8) | 代表合并资产负债表中作为其他负债记录的额外信贷储备。 |
(9) | 不包括截至2023年3月31日、2023年6月30日、2023年9月30日、2023年9月30日、2023年12月31日和2024年3月31日分别以公允价值为51亿美元、58亿美元、74亿美元和88亿美元的贷款。 |
NM 没有意义。
重新分类以符合本期的列报方式。
第 20 页
非应计资产
(以百万美元计)
|
| | |
|
| |
|
| |
|
| |
|
| |
| 24 年第一季度增长/ | ||
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | (减少)从 | |||||||
|
| 2023 |
| 2023 |
| 2023 |
| 2023 |
| 2024 |
| 4Q23 |
| 1Q23 | |||||
| | | | | | | | | | | | | | | | | | | |
按地区划分的企业非应计贷款(1) |
| |
|
| |
|
| |
|
| |
|
| |
|
|
|
|
|
北美 | | $ | 285 | | $ | 358 | | $ | 934 | | $ | 978 | | $ | 874 |
| (11%) | | NM |
国际 | |
| 928 | |
| 903 | |
| 1,041 | |
| 904 | |
| 615 |
| (32%) | | (34%) |
总计 | | $ | 1,213 | | $ | 1,261 | | $ | 1,975 | | $ | 1,882 | | $ | 1,489 |
| (21%) | | 23% |
| | | | | | | | | | | | | | | | | | | |
按细分市场和组成部分分列的公司非应计贷款(1) | |
|
| |
|
| |
|
| |
|
| |
| |
|
|
|
|
银行业 | | $ | 833 | | $ | 798 | | $ | 953 | | $ | 799 | | $ | 606 |
| (24%) | | (27%) |
服务 | |
| 133 | |
| 123 | |
| 94 | |
| 103 | |
| 27 |
| (74%) | | (80%) |
市场 | |
| 38 | |
| 133 | |
| 735 | |
| 791 | |
| 686 |
| (13%) | | NM |
墨西哥 SBMM | |
| 209 | |
| 207 | |
| 193 | |
| 189 | |
| 170 |
| (10%) | | (19%) |
总计 | | $ | 1,213 | | $ | 1,261 | | $ | 1,975 | | $ | 1,882 | | $ | 1,489 |
| (21%) | | 23% |
| | | | | | | | | | | | | | | | | | | |
消费者非应计贷款(1) | |
|
| |
|
| |
|
| |
|
| |
| |
|
| |
|
USPB | | $ | 287 | | $ | 276 | | $ | 280 | | $ | 291 | | $ | 290 |
| - | | 1% |
财富 | | | 321 | | | 260 | | | 287 | | | 288 | | | 276 | | (4%) | | (14%) |
墨西哥消费者 | |
| 480 | |
| 498 | |
| 463 | |
| 479 | |
| 465 |
| (3%) | | (3%) |
亚洲消费者(2) | |
| 29 | |
| 24 | |
| 25 | |
| 22 | |
| 23 |
| 5% | | (21%) |
传统控股资产——消费者 | |
| 278 | |
| 263 | |
| 247 | |
| 235 | |
| 227 |
| (3%) | | (18%) |
总计 | | $ | 1,395 | | $ | 1,321 | | $ | 1,302 | | $ | 1,315 | | $ | 1,281 |
| (3%) | | (8%) |
| | | | | | | | | | | | | | | | | | | |
非应计贷款总额(NAL) | | $ | 2,608 | | $ | 2,582 | | $ | 3,277 | | $ | 3,197 | | $ | 2,770 |
| (13%) | | 6% |
| | | | | | | | | | | | | | | | | | | |
拥有的其他房地产(OREO)(3) | | $ | 21 | | $ | 31 | | $ | 37 | | $ | 36 | | $ | 26 |
| (28%) | | 24% |
| | | | | | | | | | | | | | | | | | | |
NAL 占贷款总额的百分比 | |
| 0.40% | |
| 0.39% | |
| 0.49% | |
| 0.46% | |
| 0.41% | | (5) 个基点 |
| 1 个基点 |
| | | | | | | | | | | | | | | | | | | |
ACLL 占 NAL 的百分比 | |
| 658% | |
| 678% | |
| 538% | |
| 568% | |
| 661% | |
|
|
|
| | | | | | | | | | | | | | | | | | | |
(1) | 根据花旗集团风险官员的审查,公司贷款处于非应计状态。公司非应计贷款可能仍按时支付利息。除少数例外情况外,以下做法适用于消费贷款:消费贷款,不包括信用卡和抵押贷款,在逾期90天时处于非应计状态,在逾期120天时扣除;住宅抵押贷款在逾期90天时处于非应计状态,在逾期180天减记为可变现净值。根据行业惯例,花旗集团通常对信用卡贷款进行应计利息,直到此类贷款被扣除为止,这通常发生在合同拖欠180天时。因此,非应计贷款披露不包括信用卡贷款。上述余额代表合并资产负债表中消费者贷款和公司贷款中的非应计贷款。 |
(2) | 《亚洲消费者》还包括波兰和俄罗斯的非应计资产。 |
(3) | 代表花旗集团收购抵押品后通过止赎或其他法律诉讼获得的所有财产的账面价值。还包括以前的房舍和不再考虑使用的财产。 |
NM 没有意义。
重新分类以符合本期的列报方式。
第 21 页
普通股1级(CET1)资本和补充杠杆比率,
有形普通股、普通股、账面价值
每股和每股有形账面价值(TBVPS)
(以百万美元或股票计,每股金额和比率除外)
| | | | | | | | | | | |||||
|
| 3月31日 |
| 6月30日 |
| 九月三十日 |
| 十二月三十一日 |
| 3月31日 | |||||
CET1 资本、比率和组成部分 (1) | | 2023 | | 2023 | | 2023 | | 2023 | | 2024(2) | |||||
花旗集团普通股股东权益 (3) | | $ | 188,186 | | $ | 188,610 | | $ | 190,134 | | $ | 187,937 | | $ | 189,059 |
添加:符合条件的非控股权益 | |
| 207 | |
| 209 | |
| 193 | |
| 153 | |
| 159 |
监管资本调整和扣除: | |
|
| |
|
| |
|
| |
|
| |
| |
添加: | |
|
| |
|
| |
|
| |
|
| |
| |
CECL 过渡条款 (4) | |
| 1,514 | |
| 1,514 | |
| 1,514 | |
| 1,514 | |
| 757 |
减去: | |
|
| |
|
| |
|
| |
|
| |
| |
扣除税款的现金流套期保值累计未实现净收益(亏损) | |
| (2,161) | |
| (1,990) | |
| (1,259) | |
| (1,406) | |
| (914) |
与归因于自有信誉的金融负债公允价值变动相关的累计未实现净收益(亏损),扣除税款 | |
| 1,037 | |
| 307 | |
| 625 | |
| (410) | |
| (1,031) |
无形资产: | |
|
| |
|
| |
|
| |
|
| |
| |
商誉,扣除相关的递延所得税负债(DTL)(5) | |
| 18,844 | |
| 18,933 | |
| 18,552 | |
| 18,778 | |
| 18,647 |
抵押贷款服务权 (MSR) 以外的可识别无形资产,扣除相关的 DTL | |
| 3,607 | |
| 3,531 | |
| 3,444 | |
| 3,349 | |
| 3,258 |
固定福利养老金计划净资产;其他 | |
| 1,999 | |
| 2,020 | |
| 1,340 | |
| 1,317 | |
| 1,386 |
净营业亏损、外国税收抵免和一般商业信贷结转产生的递延所得税资产(DTA)(6) | |
| 11,783 | |
| 11,461 | |
| 11,219 | |
| 12,075 | |
| 11,936 |
其他税收协议、某些普通股投资和MSR的超额上限超过10%/ 15%(6)(8) | |
| 1,045 | |
| 1,828 | |
| 1,786 | |
| 2,306 | |
| 3,551 |
CET1 Capital | | $ | 153,753 | | $ | 154,243 | | $ | 156,134 | | $ | 153,595 | | $ | 153,142 |
风险加权资产 (RWA)(4) | | $ | 1,144,359 | | $ | 1,153,450 | | $ | 1,148,550 | | $ | 1,148,608 | | $ | 1,137,050 |
CET1 资本比率 (CET1/RWA) | |
| 13.44% | |
| 13.37% | |
| 13.59% | |
| 13.37% | |
| 13.5% |
| | | | | | | | | | | | | | | |
补充杠杆比率和组成部分 | |
|
| |
|
| |
|
| |
|
| |
| |
CET1(4) | | $ | 153,753 | | $ | 154,243 | | $ | 156,134 | | $ | 153,595 | | $ | 153,142 |
额外的一级资本 (AT1)(7) | |
| 21,496 | |
| 21,500 | |
| 20,744 | |
| 18,909 | |
| 18,923 |
一级资本总额 (T1C)(CET1 + AT1) | | $ | 175,249 | | $ | 175,743 | | $ | 176,878 | | $ | 172,504 | | $ | 172,065 |
总杠杆敞口 (TLE)(4) | | $ | 2,939,744 | | $ | 2,943,546 | | $ | 2,927,392 | | $ | 2,964,954 | | $ | 2,949,960 |
补充杠杆比率 (T1C/TLE) | |
| 5.96% | |
| 5.97% | |
| 6.04% | |
| 5.82% | |
| 5.8% |
| | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | |
有形普通股、账面价值和每股有形账面价值 | |
|
| |
|
| |
|
| |
|
| |
| |
普通股股东权益 | | $ | 188,050 | | $ | 188,474 | | $ | 190,008 | | $ | 187,853 | | $ | 188,985 |
减去: | |
|
| |
|
| |
|
| |
|
| |
| |
善意 | |
| 19,882 | |
| 19,998 | |
| 19,829 | |
| 20,098 | |
| 20,042 |
无形资产(MSR 除外) | |
| 3,974 | |
| 3,895 | |
| 3,811 | |
| 3,730 | |
| 3,636 |
与资产相关的商誉和可识别的无形资产(MSR 除外)HFS | |
| 246 | |
| 246 | |
| 49 | |
| - | |
| - |
有形普通股 (TCE)(9) | | $ | 163,948 | | $ | 164,335 | | $ | 166,319 | | $ | 164,025 | | $ | 165,307 |
已发行普通股 (CSO) | |
| 1,946.8 | |
| 1,925.7 | |
| 1,913.9 | |
| 1,903.1 | |
| 1,907.4 |
每股账面价值(普通股/CSO) | | $ | 96.59 | | $ | 97.87 | | $ | 99.28 | | $ | 98.71 | | $ | 99.08 |
每股有形账面价值(TCE/CSO)(9) | | $ | 84.21 | | $ | 85.34 | | $ | 86.90 | | $ | 86.19 | | $ | 86.67 |
| | | | | | | | | | | | | | | |
平均 TCE(以十亿美元计)(9) | | | | | | | | | | | | | | | |
服务 | | $ | 23.0 | | $ | 23.0 | | $ | 23.0 | | $ | 23.0 | | $ | 24.9 |
市场 | | | 53.1 | | | 53.1 | | | 53.1 | | | 53.1 | | | 54.0 |
银行业 | | | 21.4 | | | 21.4 | | | 21.4 | | | 21.4 | | | 21.8 |
USPB | | | 21.9 | | | 21.9 | | | 21.9 | | | 21.9 | | | 25.2 |
财富 | | | 13.4 | | | 13.4 | | | 13.4 | | | 13.4 | | | 13.2 |
所有其他 | | | 28.3 | | | 31.3 | | | 32.5 | | | 32.4 | | | 25.6 |
花旗平均总消费支出 | | $ | 161.1 | | $ | 164.1 | | $ | 165.3 | | $ | 165.2 | | $ | 164.7 |
| | | | | | | | | | | | | | | |
另外: | | | | | | | | | | | | | | | |
平均商誉 | | $ | 18.7 | | $ | 20.0 | | $ | 19.9 | | $ | 20.4 | | $ | 19.6 |
平均无形资产(MSR 除外) | | | 3.9 | | | 3.9 | | | 3.9 | | | 3.8 | | | 3.7 |
与资产 HFS 相关的平均商誉和可识别的无形资产(MSR 除外) | | | 0.4 | | | 0.2 | | | 0.1 | | | - | | | - |
花旗平均普通股股东权益总额(以十亿美元计) | | $ | 184.1 | | $ | 188.2 | | $ | 189.2 | | $ | 189.4 | | $ | 188.0 |
| | | | | | | | | | | | | | | |
(1) | 参见第 1 页的脚注 7。 |
(2) | 2024 年 3 月 31 日是初步的。 |
(3) | 根据美联储委员会监管报告要求,不包括与已发行优先股相关的发行成本。 |
(4) | 参见第 1 页的脚注 8。 |
(5) | 包括 “嵌入” 在未合并金融机构重大普通股投资估值中的商誉。 |
(6) | 代表巴塞尔协议III Cet1 Capital中不包括的递延税,其中包括净营业亏损、外国税收抵免、一般商业信贷结转结转以及从超过10%限额的CET1资本中扣除的时差(未来扣除)产生的DTA。 |
(7) | 其他一级资本主要包括合格的非累积永久优先股和合格信托优先证券。 |
(8) | 受10%/ 15%限制的资产包括MSR、因临时差异而产生的DTA以及对未合并金融机构的重大普通股投资。在列报的所有期限中,扣除仅与因超过10%限制的临时差异而产生的税收协定有关。 |
(9) | TCE和TBVPS是非公认会计准则的财务指标。 |
重新分类以符合本期的列报方式。
第 22 页