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SEC filingCitigroup Inc. reported total revenues, net of interest expense, of $85.22 billion for fiscal year 2025, driven by net interest income of $59.79 billion and total non-interest revenues of $25.43 billion. The company recorded net income of $14.31 billion, with income from continuing operations of $14.46 billion. Key expenses included total provisions for credit losses and for benefits and claims of $10.27 billion and total operating expenses of $55.13 billion. The balance sheet showed total assets of $2,657.20 billion, with total loans, net of $732.98 billion and total deposits of $1,403.57 billion. Total equity stood at $213.82 billion. Cash flow from operations was negative $67.63 billion, while financing activities provided $238.03 billion, primarily from changes in deposits and long-term debt issuance. The company reported basic and diluted earnings per share of $7.00.
Citigroup Inc. reported fiscal year 2025 results with total revenues, net of interest expense, of $85.22 billion. This revenue was composed of net interest income of $59.79 billion and total non-interest revenues of $25.43 billion. The company's income from continuing operations before income taxes was $19.83 billion. After a provision for income taxes of $5.37 billion, income from continuing operations was $14.46 billion. Including a minor loss from discontinued operations of $3.0 million and accounting for noncontrolling interests of $146.0 million, the net income attributable to Citigroup was $14.31 billion. Both basic and diluted earnings per share were $7.00, based on weighted-average common shares outstanding of approximately 1.83 billion and adjusted weighted-average shares of 1.87 billion for diluted EPS.
The primary driver of Citigroup's revenue was net interest income, which totaled $59.79 billion, derived from interest income of $142.86 billion and interest expense of $83.07 billion. Non-interest revenues contributed $25.43 billion, with major components including commissions and fees of $11.17 billion, principal transactions of $10.23 billion, and administration and other fiduciary fees of $4.41 billion. Other revenue items included realized gains on sales of investments net of $471.0 million, net impairment losses on investments of $352.0 million, and other revenue of -$504.0 million. The document and XBRL data do not provide a segment or geographic breakdown of these revenues.
Profitability metrics can be derived from the provided figures. The company incurred total provisions for credit losses and for benefits and claims of $10.27 billion, which includes provisions for credit losses on loans of $9.50 billion. Total operating expenses were $55.13 billion, with the largest components being compensation and benefits at $29.64 billion and technology/communication expenses at $9.42 billion. Other significant operating expenses included transactional and product servicing ($4.58 billion), premises and equipment ($2.48 billion), professional services ($2.07 billion), advertising and marketing ($1.10 billion), and other operating expenses ($5.86 billion). A restructuring credit of $14.0 million was also recorded.
Cash flow from operating activities of continuing operations was negative $67.63 billion, primarily due to net income of $14.31B being offset by total adjustments of negative $81.94B, which included significant changes in trading account assets and liabilities. Cash flow from investing activities was negative $108.28 billion, driven by net purchases of investments and loans. Cash flow from financing activities was positive $238.03 billion, largely from increases in deposits ($137.94B), securities loaned and sold under agreements to repurchase ($93.34B), and net issuance of long-term debt. The balance sheet shows total assets of $2,657.20 billion, including cash and due from banks of $23.72B, deposits with banks of $325.86B, trading account assets of $537.14B, total investments of $444.23B, and total loans, net of $732.98B. Total liabilities were $2,443.38 billion, with deposits of $1,403.57B being the largest component. Total equity was $213.82 billion.
The provided document content and XBRL data do not contain any forward-looking statements, management guidance, strategic priorities, or specific risk factor discussions for future periods. The analysis is therefore limited to the historical financial results for the fiscal year ended December 31, 2025, as presented in the 10-K filing.