BANK2011: Citigroup Bank Performance and CAMELS Analysis Project

This project undertakes a comprehensive analysis of Citigroup's financial performance within the banking and financial system. The assignment begins with an executive summary outlining the project's objectives, which include understanding banking terminology, industry structure, and analyzing Citigroup's performance using data collected from various sources. The introduction covers the basics of banking, differentiating between commercial and investment banks, and highlighting their roles in economic development, such as mobilizing capital and financing industries. The project then provides an overview of Citigroup, including its history, ranking, global presence, and operational structure, detailing its two main segments: Global Consumer Banking (GCB) and Institutional Clients Group (ICG). Part 1 and 2 of the project cover the required reports and bank performance ratios, including Capital Adequacy, Return on Assets (ROA), Net Interest Margin (NIM), Efficiency Ratio, Liquidity, Asset Quality, and Net noncore funding dependence, providing formulas, significance, and ideal ratios for each. The analysis concludes with a CAMELS analysis, a well-known rating system used to evaluate banks based on Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity, offering a detailed explanation of each factor.