Data source: CET1 ratio sourced from FDIC Call Reports (bank-subsidiary level). Published figures from investor relations may differ by 1–2pp as those reflect the bank holding company level. For precise regulatory CET1 figures, refer to each bank's quarterly earnings release.

Citibank

US · USRegulated by OCCLatest: 2025-Q4

0LOW

CET1 Ratio

14.33%+0.32pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$1.10T

-2.58% QoQ growth

Total Loan Book

$700.8B

+8.3% YoY growth

Leverage Ratio

8.60%

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2025-Q4

Comm. Real Estate25.6%

Consumer25.8%

SME / C&I22.5%

Other26.1%

Metric History

8 quarters · FDIC Call Report data

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q4latest	14.33%	8.60%	$1.10T	$700.8B	+8.3%	-2.58%	25.6%	25.8%	22.5%	0
2025-Q3	14.01%	8.78%	$1.13T	$683.5B	+6.2%	-1.04%	26.1%	25.6%	22.7%	—
2025-Q2	13.76%	8.95%	$1.15T	$680.5B	+6.6%	+2.56%	26.0%	25.6%	24.1%	—
2025-Q1	13.97%	9.18%	$1.12T	$654.9B	—	+0.66%	26.5%	26.2%	24.7%	—
2024-Q4	13.83%	9.01%	$1.11T	$647.3B	—	+0.68%	27.0%	28.0%	23.6%	—
2024-Q3	13.93%	9.04%	$1.10T	$643.6B	—	+4.21%	27.4%	27.1%	24.9%	—
2024-Q2	14.11%	8.99%	$1.06T	$638.4B	—	—	27.3%	27.2%	24.0%	—
2024-Q1	14.04%	9.00%	$1.06T	$622.4B	—	—	27.5%	27.3%	23.6%	—

Score Breakdown

0/100 —LOW

Live score · base 1 pts -4 macro adj

Capital Pressure0/40

CET1 14.33% — above 12%, no pressure

-2.33pp above 8% regulatory floor

CET1 stable or improving (14.01% → 14.33%)

Loan Book Growth3/30

Loan book grew 8.3% YoY

RWA grew -2.6% QoQ

Highest concentration: Consumer at 25.8%

Historical SRT20/20

Bank has previously issued SRT transactions

+10

33 months since last SRT deal — likely due for another

+10

Macro Context3/10

Live macro signal: UNFAVORABLE (sentiment -10/20) — 3/10 pts

Large Bank

>$500B total assets — deep capital buffers reduce SRT urgency

-15

CET1 >14% — well capitalised-10

Macro environment · UNFAVORABLE-4

Sentiment -10/20 · global -4 pts

Overall SRT likelihood0/100

AI Investment Memo

Llama will analyze Citibank across 4 data dimensions and write a structured memo

Score: 0/100·Model: llama-3.3-70b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks