Citigroup

Citigroup's third-quarter core revenue fell but the bank's earnings on Monday were better than expected and credit losses fell sharply.

Brett Rose, head of U. S. rates strategy at Citigroup Global Markets, said, 'On Friday, I said it was 50-50' there would be a downgrade.

But over the weekend, as they pored through Citigroup's books, it became clear to top officials that the company needed government help.

Mr. Prince said he never sold more than a few of the Citigroup shares amassed during a career that stretched nearly 30 years.

David Thurtell, metals strategist at Citigroup in London, says: "There's just not the supply becoming available that there needs to be. "

Until recently, the bank viewed Nikko Citigroup as a major unit that it intended to hold onto.

Japan's banking watchdog likely will issue sanctions in the next two months against Citigroup, according to people familiar with the matter.

"That's a pretty solid improvement, even if the year-over-year comparisons continued to be ugly, " said Citigroup economist Ken Peng.

In Washington, Bush said the government stood ready to help the banking system as it did with Sunday's Citigroup deal.

US banks including Morgan Stanley, JPMorgan and Citigroup are trying to strike deals with local partners that are amenable to Beijing.

The trading desk reported the incident, and the bank fired the two Citigroup traders, people familiar with the matter said.

Prashant Bhatia, Citigroup analyst, cut his rating to "sell" and said there was a significant chance of E*Trade winding up in bankruptcy.

He said he estimated there was only a 20% chance that the U. S. would nationalize banks like Citigroup.

In a Sept. 21 letter to Mr. Doggett, he said: "The Citigroup guarantees raise important oversight concerns. "

As Chuck Prince, former head of Citigroup, put it, "as long as the music is playing, you've got to get up and dance" .

It would have been risky in the extreme to allow Citigroup to follow Lehman Brothers into capitalism's graveyard, or to let AIG collapse.

Citigroup and regulators later said such an errant trade did not appear to have taken place.

'Nine months ago, investors had to make a very big leap of faith, ' says Hasan Tevfik, a global-stock strategist at Citigroup in London.

Citigroup's newly-acquired controlling stake in Guangdong Development Bank, with more than 500 branches, gives it a fair shot.

Meanwhile, Citigroup is close to announcing the hiring of a high-profile outsider to join the board, say people familiar with the matter.

The disposal also is a reminder of how much work remains for Citigroup as it tries to downsize.

Meanwhile, shares of Citigroup were hit after Goldman Sachs analysts said credit losses at the bank had continued to grow rapidly.

Citigroup and Morgan Stanley are headquartered in midtown -- far from the dark downtown tunnels of the financial district.

Analysts have said Citigroup never invested enough in technology or to make the bank's various parts work well together.

Prior to that, she traded short-term interest rate options on Citigroup's foreign exchange desk in London.

Citigroup's Gerspach, speaking on a conference call with investors, said: "Citi is not involved in the matter the SEC announced on Friday. "

At least two of Citigroup Inc. 's (C) top executives are seeing their pay cut substantially, the bank disclosed Tuesday.

Those payments are locked up in Citigroup interest-bearing accounts for a few years before employees can get their hands on the cash.

On Wednesday, Pandit reminded the audience that Citigroup has among the smallest mortgage portfolios of any major U. S. bank.

"Our distinctiveness is we connect the world better than anyone else, " he said, noting Citigroup's global reach.

"It's been a phenomenal start to the year for the China market, " said Terence Chia, of Citigroup's Asian debt syndication team.

Citigroup is considering a plan in which the US Treasury Department would sell its 34% stake in the bank, The Wall Street Journal said.

In the case of Citigroup, a real systemic risk for the financial markets had to be contained.

Certainly, the bank is in better shape than its arch-rival Citigroup, having largely avoided the most toxic subprime securities.

Now Citigroup has said it would not take delivery of a $42 million Dassault Falcon 7X jet that it had planned to buy.

Citigroup will also put unwanted businesses and assets into a separate structure, with an eye toward their eventual sale, the source said.

According to people familiar with the matter, Citigroup's board is expected to vote on the deal Monday.

Under the terms being discussed, Citigroup would agree to absorb losses on assets covered by the agreement up to a certain threshold.

The Treasury could then sell the stock in the market over a period of time as it has with its investment in Citigroup.

Big falls in share prices around the globe should be expected, says Citigroup, in light of the Greek crisis.

Citigroup's stock plummeted last week to its lowest level since December 1992, raising doubts about the bank's ability to survive.

Naomi Watanabe, a spokesperson for Citigroup, told TIME the company had made contingency plans to move staff to other locations if need be.

"This decoupling theory is starting to be very severely tested, " says Tobias Levkovich, an analyst at Citigroup.

The team is made up of executives from his days at Citigroup as well as a cadre of J. P. Morgan executives nurtured by Dimon and outsiders.

Robert Rubin, a former Citigroup director, said he too was full of regret.

Citigroup executives say she was 'right like a broken clock' with her dividend call, and they deny that Citigroup will need more capital.

Around the world, Citigroup executives are realizing that the U. S. government's expanded stake could cause headaches.

Still, Mr. Wong says, Citigroup's decision not to renew his contract shortly before it was due to end "came as quite a shock. "

In the end, Citigroup's share was capped at 20 per cent, the maximum allowed to any one foreign stakeholder in a Chinese bank.

SPDB's remarks appeared to signal that Citigroup had lost its months-long battle to secure a discount to the market price for the holding.

"ZTE is a strong technology company, but of a particular sort, " says James Liang, an analyst with Citigroup.

In fact, risk was rising to dangerous levels at Citigroup as the bank dove deeper into mortgage-backed securities.

Lawyers said the clause appears to defang the exclusivity pact between Wachovia and Citigroup.

But Marc Smart, at Citigroup, said he was highly sceptical of the extreme share price rises.

The Wall Street Journal reported last week that Citigroup was preparing to nominate four financial experts to its board.

He must have wondered if Goldman would have been better off from a public-relations point of view by incurring giant losses, like Citigroup.

'We do not expect the reform to reduce tax revenue significantly, ' said Citigroup economists Minggao Shen and Ken Peng in a note.

It might be a high-profile deal but, for Citigroup, GDB forms just one part of its China strategy.

When the housing market collapsed, Citigroup suffered billions of dollars in losses that dwarfed the fees it had collected.

The sharp pull back by Citigroup is the latest example of a global bank running into trouble with a subsidiary that makes higher-risk loans.

U. S. government officials did not demand that Citigroup end its payouts, a person familiar with the discussions told the paper.

Mr. Pandit and his allies argue he isn't to blame for Citigroup's mess and that he has taken major steps to stabilize the company.

"The market seems to believe this could be like Microsoft version two, " says Mark Mahaney, an analyst at Citigroup.

He would be called a sellout akin to Peter Orszag, who left government service to become a vice chairman at Citigroup.

Citigroup is preparing fire thousands from its worldwide investment-banking division, The Wall Street Journal reported on Sunday.

Citigroup would be allowed by Chinese law to hold a maximum one-third stake, with the rest controlled by Orient Securities.

A Citigroup spokesman declined to comment Monday on the bank's relationship with regulators.

Citigroup, the State Grid, Citic Trust and China Life Insurance each have 20 per cent of the bank and seats on the board.

Citigroup confirmed a big shake-up in its corporate structure as it reported a net loss for the fourth quarter of $8. 3 billion.

Citigroup Inc. shares rose after the bank reported a better-than-expected profit.

"The Chinese economy has continued to grow in a traditional fashion, " said Minggao Shen of Citigroup in Beijing.

After years of strong growth fuelled by its own buying binge, Citigroup has not yet learned to grow on its own.

Citigroup's huge tax deductions are the result of its losses in the financial crisis.

and Citigroup posted a 57% drop in quarterly profits and said parts of the debt market might not recover soon.

Citigroup's action in reporting the problem within weeks and replacing most of the customer cards appears to be an aggressive response.

Horowitz, the Citigroup analyst, has set a $22 price target for the bank's shares, despite his loss forecast.

By the end of the week, a small number of clients, including wealthy customers of Citigroup's private bank, had started defecting.

They also hold big shares of Citigroup and a number of other banks, as well as sixty percent of General Motors.

Chuck Prince's insistence in July that Citigroup was "still dancing" was an obvious hostage to fortune.

Citigroup, the financial services group, has launched an educational website to help promote responsible spending.

He said Citigroup was offering to lend to clients who needed capital urgently.

The wrangling followed a Saturday night ruling by a state-court judge that extended the expiration of Citigroup's agreement until Friday.

But Tobias Levkovich, Citigroup's chief U. S. equity strategist, says 'we suspect that capital spending will drop 15%' over the next year.

We do not encourage originality by conferring windfall gains on the Disney Corporation, EMI, Citigroup, and the Picasso estate.

However, on pure funding costs, Citigroup said less than 1 per cent of its funding would be affected.

Treasury will call for Citigroup's board to be comprised of a majority of independent directors.

Each successive rescue, from Bear Stearns to Citigroup, has affected different parts of the capital structure in different ways.

Phibro has been a lean and largely hidden profit center within Citigroup's investment bank.

He must have wondered whether Goldman would have been better off politically had it incurred giant losses, like Citigroup.

"Investors appear to be viewing renminbi gains as broadly bearish for the dollar and bullish for risk, " said Steve Englander at Citigroup.

Steven Wieting, the United States economist for Citigroup, said: "We're describing the U. S. economy as recessionary. "

HSBC, Standard Chartered and Citigroup have taken over small Taiwanese banks in the last two years.

A spokesman for Citigroup said the move was made 'in light of Japan's economic importance. '

Up to now, Citigroup's cross-border payment and settlement rate of RMB has been the market leader.

Citigroup and Bank of America (BofA) posted thumping quarterly losses. Morgan Stanley eked out a modest gain.

But Han Meng Tan, a Singapore-based Citigroup analyst, says Singapore has been able to attract market leaders in several Chinese sectors.

It is unclear whether the U. S. government will take an equity stake in Citigroup in return for providing a financial backstop.

Within a few weeks some $40 billion was poured into distressed Western lenders, among them Citigroup, UBS, Morgan Stanley and Merrill Lynch.

"The general message is neither weak nor strong, " said Ken Peng, an economist with Citigroup in Beijing.

Citigroup believe that the benefits of these initiatives will over time show.

This was to shift Citigroup from a growth strategy based on acquisitions to one based on both acquisitions and organic growth.

It was not immediately clear if the reported job cuts would be in addition to cuts announced by Citigroup in April.

Citigroup, notes its Indian-born boss, Vikram Pandit, "is going back to the core model of what we had as a global bank" .

GIC's view is that with this latest move, Citigroup's capacity to weather the severe economic downturn will be strengthened, ' he said.

America's Treasury announced the next step in its plan to sell its remaining stake in Citigroup.

Kevin Hassett of the American Enterprise Institute illustrates the worries by imagining that China bought Citigroup.

After the acquisition, Citigroup would delist the company from Indian bourses .

Andrew Cox, foreign exchange strategist at Citigroup, sees any pullbacks in commodity-linked currencies as a buying opportunity, however.

The minimum bid, as set by a unit of Citigroup Inc. , which had a $1. 3 million mortgage on the home, was $379, 900.

People at Bank of America, Citigroup, Goldman Sachs, JPMorgan Chase and even the Treasury Department have gone a bit curling crazy.

Morgan Stanley and Citigroup each inked an agreement with a mainland partner, although neither has yet secured approval.

Citigroup has come under pressure from activist union shareholders who want the financial conglomerate to break itself up.

Citigroup says that insurance has worse growth prospects and a lower return on capital than its other businesses.

Emerging markets and their banks also face problems as Western banks reel in loans, Citigroup Inc. said in a report last week.

Of the big banks that were helped by the Troubled Asset Relief Programme, only Wells Fargo, Bank of America and Citigroup have yet to repay.

If you look at JPMorgan and Citigroup, even though they beat expectations, they said that looking ahead, times are going to be challenging.

As a result, Citigroup is in a relatively strong position to consider expansion opportunities that seemed impractical earlier this summer.

Citigroup's 15-person board is already comprised primarily of directors who are considered independent of the company.

Smith said he wants to fill spaces that may be left by Citigroup, especially in areas such as trade finance.

That's how Citigroup is describing the recent performance of the UK market to its clients.

The Citigroup-led consortium aims to take a majority stake in the bank for Rmb24. 1bn, with the US bank taking 20 per cent.

'Investment puts a pretty high floor on growth. It acts as an economic stabilizer, ' says Ken Peng, an economist for Citigroup in Shanghai.

Citigroup says the Asia-Pacific region is one of the most important to its profitability and market share.

Citigroup Inc. is investing heavily in technology to support the expansion of its consumer-banking business in the Asia-Pacific region.

Defaults and delinquencies are known to be rising: companies like Citigroup and American Express have said so.

Even Citigroup, one of the giants of the financial world, needed $300bn of government help and guarantees to survive.

Citigroup said it would rename the Japanese investment banking operations it is not selling to SMFG as Citigroup Global Markets Japan Inc.

General Motors and Ford have put jets up for sale, as have other companies including Citigroup, AT&T and Time Warner.

A few major overseas banks with local units, including Citigroup Inc. , haven't publicly issued their reports.

The government and Citigroup had hoped to unveil the plan Sunday evening, but the negotiations appeared to drag on longer than expected.

Moody's Investors Service lowered Citigroup's credit rating one level to its third highest rating.

For its part, Citigroup thinks its balance sheet is well positioned and its capital ratios equal or exceed those of peers.

The cull comes soon after similar carnage at Citigroup and Merrill Lynch, which also announced thousands of cuts last month.

The type of building reflects Citigroup's desire to be a leading financial institution in China.

Citigroup has been hammered by the fallout from the subprime-mortgage debacle and its repercussions in financial markets.

Citigroup has been looking for a Chinese brokerage partner to set up an investment banking venture for years.

Citi will continue to work with the authorities on this investigation, ' Citigroup said.

But, even for the US, the notion of a world held together by Citigroup's business plan is simply too costly.

That includes unwinding a deal in which the government shields Citigroup from most losses on $301 billion of assets held by the company.

In October 2005, three Citigroup analysts released a report describing the pattern of growth in the U. S. economy.

Sandy Chen, retail analyst at Citigroup in Shanghai, says the radically different approaches reflect the two chains' business philosophies.

Another senior executive said there was an important difference between Morgan Stanley and other troubled banks such as Citigroup and UBS.

Last week, under pressure from Treasury officials, Citigroup canceled its order for a corporate jet.

The remaining 14 banks to be audited, including foreign-owned Standard Bank, Standard Chartered and Citigroup, were unscathed.

Citigroup's management believes that hedge funds for the air operation is the recent sharp share price dive .

Citigroup thinks it is 'highly unlikely' it will have to bring back on book much of these mortgage assets.

his lacked adequate strength in standing out of Citigroup's contentious politics.

Possible penalties range from a temporary suspension of banking operations to an order forcing Citigroup to improve its operations.

Similar concerns stopped CDB from taking a huge stake in Citigroup, as the US financial group desperately sought fresh sources of funds.

On Thursday, Citigroup reduced its revenue estimate for H-P and Dell in a research note titled 'The PC Industry Slips Into Recession. '

Mr Prince argued that Citigroup had been starved of investment under Mr Weill and stepped up spending.

Citigroup considers China, where it now employs more than 3, 000 people, one of its most crucial international markets.

A few years ago, Chinatrust gained investors' respect by recruiting a team of experienced bankers from Citigroup.

It's not attached to the financial crisis of Citigroup. . . -I mean, sure. -. . . not attached to it.

Equities research analysts at Morgan Stanley upgraded shares of Citigroup from a " neutral " rating to an " overweight " .

Witness the dismantling of the financial supermarket that Citigroup tried and failed to build.

Citigroup said the new rules were a positive step in the development of China's banking sector.

Citigroup, Goldman Sachs, Morgan Stanley and Deutsche Bank are the global coordinators for the AIA IPO.

After its bail-out Citigroup, for example, split itself into a "good bank" and a "bad bank" for operational purposes.

"There has been no breach and there have been no associated losses, " Citigroup said in a statement.

As the parent company's financial problems mounted, some Primerica employees clamored to sever their ties with Citigroup.

A lot of risk wasn't dispersed, as we now know. It ended up in banks like Citigroup and UBS.

Citigroup Global Markets Limited represents the European investment banking arm of US-based financial services giant Citigroup.

To raise new capital, Citigroup is likely to broaden the conversion to include preferred securities held by private investors.

A key issue in the unfolding legal fight between the three banks is an 'exclusivity agreement' between Citigroup and Wachovia.

The scale of the opportunity has brought other foreign groups flocking in too, including Australia's Macquarie Bank and Citigroup of the US.

The latest leaks from the investigation say that Merrill Lynch, Credit Suisse First Boston and Citigroup will be found guilty of fraud.

"Implementation depends on local authorities, and it will not be easy, " said Ken Peng, Citigroup's economist in Beijing.

He told her helping Citigroup was important and that if she couldn't play a meaningful role, the Fed and Treasury could do it without her.

As a result, Citigroup does not control GDB. Rather, it "has significant management influence" .

A caveat: Unlike most of its key rivals, Citigroup isn't profitable now and may not operate in the black next year either.

Meanwhile, Citigroup paid $34. 4 billion to its employees in 2007 and is now valued by the stockmarket at just $18. 1 billion.

It is seen as a temporary partner and Citigroup is thought to have the first right of repurchase for IBM's shares.

But that jump also coincided with a sharp increase in shorting of Citigroup shares.

Dodd-Frank forbids specific support for a single company, as was done for Bear Stearns, AIG, Citigroup and Bank of America.

Citigroup issued a research note Tuesday saying the likelihood that Microsoft will offer a higher bid to clinch a deal with Yahoo is rising.

Cong recommend : a very detailed one, quant carefully, the author of the New York Citigroup?

They note that Mr Weill made a lot of money for investors while, until recently, Citigroup's stock price had gone nowhere under Mr Prince.

Citigroup's capital levels remain above regulatory minimums but have fallen below the company's internal target of 7. 5%.

To untangle the company, Mr. Pandit has split Citigroup in half.

Citigroup analyst Tim Evans, who has repeatedly argued that oil was overpriced, said Monday that the momentum had swung to the bears.

'The problems in Asia are obviously a lot less than in the Western world, ' says Simon Ho, a banking analyst at Citigroup Global Markets.

"The unanswered question is whether you can be a good golfer with only three clubs, " says Jeremy Sigee of Citigroup.

During the financial crisis, Citigroup's corporate banking services provided a consistent, low-risk income.

He is determined to end talk of his firm having replaced Citigroup as America's clumsiest bank.

His investments include substantial stakes in News Corp, Citigroup and Apple, as well as several luxury hotels.

Citigroup analysts said they believed generic packaging was likely in Australia, but unlikely in Europe.

J. P. Morgan and Citigroup, reporting Thursday and Friday morning, respectively, also are expected to report improved results.

If you take a look at some recent research produced by Citigroup, it might seem not.

But Citigroup's performance will have to improve for Mr Prince to be confident he will be smiling at Davos next year.

Citigroup, meanwhile, has cancelled an order for a $50m executive jet, though only after flying into flak from the media and the Treasury.

Other companies under scrutiny include Citigroup, Wells Fargo, General Motors, Chrysler and Chrysler Financial.

Mr Blavatnik is rumoured to be interested in buying EMI, which is owned by Citigroup, to create a behemoth in the recording industry.

On the first of these questions, an analysis by Citigroup provides a negative answer.

Citigroup has received $45 billion in taxpayer-funded capital so far, while Morgan Stanley has received $10 billion.

Most of the new entrants, including multinational giants Citigroup and HSBC, are targeting high net-worth individuals.

"It's another good set of results, " said Adrian Cattley, equity strategist at Citigroup.

Citigroup promised then not to invest in another mainland bank without Shanghai Pudong's permission.

In the meantime, though, Citigroup strategists said they expect risk aversion to continue to hold sway in markets.

Earlier this year, Citigroup had to inject capital into another hedge fund, hobbled by its purchase of a big book of corporate loans.

In return, the government will get a stake in the company. Citigroup has operations in more than 100 countries.

By buying a CDSs on Citigroup without owning the corresponding bond, you can bet that Citigroup will default on its obligations.

It is the first significant deal since the US Federal Reserve lifted a ban on Citigroup making big acquisitions.

After all those losses and bailouts, rank-and-file employees of Citigroup are getting some good news: their salaries are going up.

GDB and Citigroup will have to work closely together to improve risk management.

The head of Citigroup's Asian operations yesterday ruled out selling the US group's stakes in Chinese and Indian banks.

"Desperation buying by Chinese utilities has caused the spot price to leap, " says Alan Heap, commodities analyst with Citigroup in Sydney.

Citigroup notes that the country has seen portfolio outflows of $8. 7bn so far this fiscal year, an extraordinary reversal.

US politicians have consistently lobbied for Citigroup's interests during the bidding process.

Average price-to-earnings ratios in Europe, on a trailing 12-month basis, are about 16, up from seven back in March, according to Citigroup.

Another of his big investments, in Citigroup, has plunged in value.

If Citigroup defaults on its bond, the investor receives one million dollars in exchange for the bond.

Mr Prince replies that Citigroup needed better internal controls, although he concedes the pendulum may have swung too far.

Citigroup's Ms. Browne recommends investors buy energy and agricultural stocks that benefit from higher commodity prices.

However, J. P. Morgan's corporate-banking operations in Asia are still dwarfed by those of Citigroup Inc. and HSBC Holdings PLC.

Tumbles in U. S. autos (GM, Ford &Chrysler) &Citigroup, and fear of global economic depression resulted in global stock markets plunged.

Privileged Citigroup has operational control of unlisted Guangdong Development Bank.

The negotiations with Citigroup "proved extremely complicated and difficult, " Steel said.

That led to a bounce in Nikko's shares and Citigroup had to raise its offer, valuing the firm at $13. 4 billion.

Production is being curtailed more rapidly than in previous downturns, '' Citigroup said. ``Supply cuts will stabilize prices.

That structure would help Citigroup cleanse its balance sheet of billions of dollars in potentially toxic assets, these people said.

Citigroup analyst Bradley Ball, who has held a "buy" rating through months of turmoil surrounding the GSEs, challenged that premise.

In 2002, Citigroup gave up control of Travelers Property Casualty through a share listing and subsequent spin-off.

The Federal Deposit Insurance Corp. has pushed Citigroup to hire top executives with more commercial-banking experience.

I am personally committed to Citigroup. No doubt about that.

The American Bankers Association includes JP Morgan Chase, Bank of America and Citigroup.

Citigroup peddles mortgages to risky borrowers through CitiFinancial, its consumer-finance arm.

The debate faded out, however, after Citigroup and Bank of America, the banking system's weakest links, announced surprise profits.

In May, Citigroup unveiled a three-year plan that included getting rid of more businesses, mortgages, real-estate operations and jobs.

I. G. They also hold big shares of Citigroup anda number of other banks, as well as 60% of General Motors.

Just now, much of it is directed at Citigroup, which is under pressure to cut costs and raise its share price.

There are two main reasons why, in the words of a new report by the financial-strategy team at Citigroup, "hostile M&A is poised to surge" .

Recipients include Merrill Lynch, Citigroup, Morgan Stanley and Switzerland's UBS (or, as wags now call it, Union Bank of Singapore).

Then Walter Wriston, head of what later became Citigroup, revolutionised the industry by arguing that capital was often wasted.

In June Citigroup completed the sale of its fund-of-hedge-funds business to SkyBridge Capital.

A perusal of Citigroup's most recent disclosures reveals that it could not survive without government life support.

Banks including Bank of America, Citigroup and Wells Fargo have recently announced plans to repay government rescue money.

Issuers include Citigroup (C), Chesapeake Energy (CHK), Vornado Realty Trust (VNO) and Transocean (RIG).

Barring yet another unforeseen delay, a Citigroup-led group will this week be named as winner in the battle for Guangdong Development Bank.

As Citigroup points out, bigger ministries could reduce the regulatory burden and allow greater freedom in price-setting.

Citigroup Global Markets Limited also offers treasury, cash management, and custody services.

Citigroup is not alone in cutting jobs and costs as the economic crisis worsens.

GIC kept a low profile until its recent investments in Citigroup and UBS because of its traditional role as a giant asset management fund.

Specifically, Citigroup projects U. S. pharmaceutical group sales alone to grow more than 20% in the next 5 years.

Many retail banks, such as Bank of America and Citigroup, currently do not "mark to market" trillions of dollars in loans and securities.

On Friday, they finally rose to the pulpit to give Citigroup and Bank of America an overdue eulogy, cutting their ratings.

The Treasury is infusing $25 billion apiece into J. P. Morgan and Citigroup as it seeks to get credit flowing.

Todd Elmer at Citigroup says speculation of reduced recycling of dollar reserves by Asian central banks could limit gains in the euro.

In the third quarter, none of the units upon which Citigroup has pinned its hopes showed a jump in revenue.

Major banks also offer solid information, including Wells Fargo, JPMorgan Chase, Bank of America and Citigroup.