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Strength:

Interest revenue and interest expense management:

The Company has managed to turn its negative net income growth into positive in the year 2014. The company has managed its interest revenue and expenses well to turn the net revenue income into positive despite declining interest revenue.

If we look at the graph of net income growth for Bank of America we can find that the Citigroup is managing its interest revenue and expenses very well as compared to the Bank of America.

Loan Loss Provision:

The company has reduced its loan loss provision at a great extent since the year 2010.

Operating profit Margin:

If we look at the operating profit margin we can say that Citigroup is comparatively better operating profit margin as compared to the Bank of America. This is mainly because the company has managed its operating cost well.

Loan Loss Provision Growth:

If we look at loan loss provision growth we can find that Citigroup Inc has worked hard on to control its loan loss.

Weakness:

(i) Net Income: The net Income of the company has declined drastically

(ii) Net Interest revenue of the company has no sign of improvement its just fluctuating.

Prevailing rates set by the Federal Reserve Board and the company profitability:

If we look at the graph we can find that there is a direct correlation between the interest rate and the profitability of both of the company.

Announced mission, and future direction, as stated by the bank’s Chief Executive Officer

The announced mission, and future direction of Citigroup Inc, as stated by the bank’s Chief Executive Officer are:

(i) to utilize our deferred tax assets;

(ii) to drive Citi Holdings to break-even;

(iii) to generate quality and consistent earnings; and

(iv) to be known as an indisputably strong and stable institution.

If we look at the financial condition of the company as compared to its competitors we can find that Citigroup is actually in a very good condition and improving and if remains same it has the capabilities to fulfill all the future goals stated by its CEO.

Forecast of Citigroup Inc projected profitability:

As we have seen above that the profitability of the company is directly proportional to the interest rate. If interest rate is constant then in that case the profitability of the company is going to remain constant.

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