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C - Citibank


gordoffh

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Isn't it just a matter of time before the likes of Loeb, Ichan and Ackman push for a breakup. I can almost see Ackman starting a leveraged C fund telling his investors of 100% upside and then pushing out a 300 page sum of the parts C thesis.

 

Ackman sold out of Citi a couple years ago.

 

I remember he said he had a nightmare about credit issues internationally that he could not foresee.

 

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Guest wellmont

a couple of years ago there was no blood in the water around $C. there is now. there have also been two years of "healing".

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Do some of you own the long term warrants?  Seems to me that is something worth considering.  When - and if - the bank is streamlined, that will create value.  This has been a bank run by egos for many years, but once sanity prevails, there is probably good value here.

 

Verinder

 

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Do some of you own the long term warrants?  Seems to me that is something worth considering.  When - and if - the bank is streamlined, that will create value.  This has been a bank run by egos for many years, but once sanity prevails, there is probably good value here.

 

Verinder

 

I consider the warrants to speculative to own, for my own taste.  Similar to BAC-B's, but even more so.  I can certainly imagine scenarios where they make a lot of money, but betting on 21% growth per year is too steep for me.

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"keep in mind....there is no guarantee that Citi will actually get it done in 2015. Although I'm sure it will cost CEO his job if he doesn't."

 

There definitely isn't but if it fails again a year from now then it will have to be broken up, if it is, it will trade higher on that news as the parts are currently worth more than the whole, at least for now they are.

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With all that "excess capital" on the books now, it is tough to do 10% RoE. That is all the article is saying. No new information here. This could have been easily deduced after the capital return plan rejection by the Fed.

 

It is a problem if their $ profit doesn't meet expectations, especially now with more capital. If they are any good, they would lend against this excess capital at >10% RoE and increase their book value further. That would be better for owners than the buyback if they lend prudently.

 

 

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Corbat said McQuade is now "fully empowered to do whatever is necessary, and I will devote any resource required, to ensure our next capital plan is not objected to."

 

Probably makes shareholders wonder why he didn't start doing this 18 months ago.

Apparently it wasn't top priority to pass the test.

 

 

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Corbat said McQuade is now "fully empowered to do whatever is necessary, and I will devote any resource required, to ensure our next capital plan is not objected to."

 

Probably makes shareholders wonder why he didn't start doing this 18 months ago.

Apparently it wasn't top priority to pass the test.

 

 

To me it feels like they are being punished for Mexico scandal. How did Citi not know about it earlier, their control processes are week and that's what the regulators seem to me pointing out in round about way. I think the regulators were worried they will have backlash if they approved of Citi's processes and controls. Seems more like a CYA by regulators than actual issues!

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Along with the recent agreement, they just announced the sale of their Honduras consumer banking business and is slimming their branch network in Korea.  They seem to be moving with some urgency in selling non-core assets and making this company easier to manage. 

 

Tks,

S

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Guest wellmont

Citi Is Bracing to Miss a Profit Target

 

 

Citigroup Says Its Return-on-Tangible-Common-Equity Goal May Be Out of Reach

 

 

http://online.wsj.com/news/articles/SB10001424052702304819004579487892440995538?mod=WSJ_hp_LEFTWhatsNewsCollection&mg=reno64-wsj

 

this is normal result. the fed is not allowing them to increase ROE by letting them buy back stock at below tangible book value. this is why the market is yawning!

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I currently have a 2.5% portfolio position and I do not have plans to add to it.  I currently work in risk management and fully understand the amount of work and time it takes to address these types of qualitative issues.  This could potentially take years to address and let's hope it is not systemic across the organization as Citi's reach is global.  This is exactly why I said the easiest way to address this issue is to break up the company so it is much easier to manage as working with regulators from around the world is extremely frusrating!!!  I hope none of you guys have the joys of working with the FED / MAS  :)

 

Thanks,

S

 

Don't know if anyone cares, but Bill Nygren at Oakmark is long C, as per his latest letter:

 

http://www.valuewalk.com/2014/04/bill-nygren-q1-letter-long-c-gis-sny-deo/

 

Is anyone adding/buying here ?  I'm wondering why there isnt more excitement at this price!  Not finding much else this cheap.

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Don't know if anyone cares, but Bill Nygren at Oakmark is long C, as per his latest letter:

 

http://www.valuewalk.com/2014/04/bill-nygren-q1-letter-long-c-gis-sny-deo/

 

Is anyone adding/buying here ?  I'm wondering why there isnt more excitement at this price!  Not finding much else this cheap.

 

HSBC trades around tangible book, a 10x PE a 5% and increasing dividend and is a much better bank. I would argue that it is cheaper on any metric but tangible book/share price.

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