Equity valuation
Citigroup, the leading global financial services company, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

Profitability Ratios | 2008 | 2009 | 2010 | 2010 Q1 | 2011 Q1 | Net Interest Revenue/Asset | 2.52% | 2.68% | 2.80% | 2.96% | 2.58% | Net Income/Asset | -1.28% | -0.08% | 0.53% | 0.88% | 0.62% | Net Operating Income/Asset | -1.49% | -0.06% | 0.53% | 0.84% | 0.61% | Management Efficiency | | | | | | Yearly Provisions Expense/Avg Assets | 1.56% | 2.03% | 1.26% | 1.66% | 0.60% | Yearly Provisions Expense/Avg Ins&Is | 4.12% | 5.72% | 3.44% | 4.39% | 1.74% | Cost Ratio | | | | | | Efficiency Ratio | 67.05% | 46.23% | 44.12% | 37.31% | 47.42% | Equity Coverage Ratio | | | | | | Equity Capital/Total Asset | 7.31% | 8.20% | 8.54% | 7.56% | 8.78% | Growth | | | | | | Asset Growth Rate | -11.39% | -3.92% | 2.77% | 9.86% | -2.72% |
Profitability: CITIGROUP's profitability is considerably average when compared to other local players. In 2011 Q1, CITIGROUP's Net Operating Income to Assets ratio amounted to 0.61% (leading local rivals managed to achieve 0.76%). When examining Net Income to Total Assets ratio, it is evident that Net Income is insignificant when measured to CITIGROUP's Assets, in 2011 Q1, CITIGROUP managed to achieve .62% which is considered average (compared to leading rival that achieved 0.76%). As for Net Interest Revenue to Total Assets, CITIGROUP's interest revenue is also considered above the average scale by achieving 2.58% in 2011 (compared to other local banks