Citigroup and the 'financial supermarket' experiment | FT Film
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- Опубликовано: 15 май 2024
- The 1998 mega-merger between banking giant Citicorp and insurer Travelers Group created the world's biggest financial services company. But Citi's share price plummeted and the group has been hit by a series of scandals. The FT looks at what went wrong and how the bank can turn itself around
#citigroup #citibank #travelersgroup #banks #finance #financialmarkets #markets
00:39 A series of scandals
04:44 The record merger
12:40 The fallen giant
14:33 The revamp
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Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains.
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields
Amazing. It gets quite difficult to handle all of this, and staying informed is a major cause. how do you go about this, are you a pro investor?
I have been in touch with a Financial advisor. With a startup of $ 100 k, my advisor chooses the entry command of my portfolio which has grown to approximately $ 450 k in some weeks.
I’m intrigued by your progress. Could you share some insights into your trading strategy or perhaps recommend any specific resources or mentors that have led to your success?
I consult with:-
It's really impressive how Citi shares plunged from $600 each to around $45... And it's not recovering
Jason Iked's posts are a goldmine of knowledge - truly remarkable!
Why not recovering
Impressive? Not the word that I would have used.
As a former Citi employee who worked in numerous roles, I agree that the bank is way too large and complex. This is especially evident with operations spread across so many countries. Also, the whole Revlon fiasco is indicative all the internal problems with very anitiquated technology. Simplification is definitely the way forward. Hopefully the CEO is successful with the current and much needed restructuring effort.
Lies again? CAZOO GAZi USD SGD
Didn't the current CEO sent out an email saying to all employees they are welcome to work from home until the end of the year? Without reading too much into it, but could be sign of trouble.
Citi is the only USA bank here where I live now in East African country..
Do you think it's even worth while to open an account so I can have another resource here for utilizing??
@patrickmccarthy5617 No. All brought back in 3 days a week minimum.
as a former colleague, I agree. and seems the CEO also agrees.
The Market have been suffering over the past month, with all the three indexes recording losses in recent weeks. My $400,000 portfolio is down by approximately 20%, any recommendations to scale up my returns before retirement will be highly appreciated.
The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
I agree. Based on personal experience working with an investment advisor, I currently have $385k in a well-diversified portfolio that has experienced exponential growth. It’s not only about having money to invest in stocks ,but you also need to be knowledgeable,persistent,and have strong hands to back it up.
I’m new to all this, heard it's a good time to buy and basically I've just got cash sitting duck in the bank and I’d really love to put it to good use seeing how inflation is at an all time-high, who is this coach that guides you, mind I look them up .
Sure, the investment-advisor that guides me is..
MARY TERESE SINGH
Loved the presentation. Learnt a lot about Citi's history and got a better sense of why it stands where it stands today.
Overall, 51% of investors think this year would favor stocks, mutual funds, and other equity-based investments, despite Treasury yields and other safer cash-like investments paying big. I’m looking for opportunities in the market that could fetch me $1m ahead of retirement by 2025
Look for stocks that have paid steady, increasing dividends for years (or decades), and have not cut their dividends even during recessions. Alternatively speaking to a certified market strategist can help with pointers on equities to acquire
True. Having the right financial planner is invaluable. My portfolio is well-matched for every season of the market and recently hit 90% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till Q3 2024.
I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you
Olivia Maria Lucas ….you're most likely going to find her basic info on the internet, she's firmly established and well qualified.
Thanks for sharing. searched for her full name and her website popped up and it was easy to schedule a call session with her
Great documentary having worked at Citi. The model of being banker to the large global corporates was really Centre of plate and great bread and butter business! Watching the turnaround with great anticipation and cheering from the sidelines ! Wishing the Citi team all the best!
It is called $hiti group for a reason.
This is so messed up. You've got no valid morality left.
.
@@David-wc5zlHalf of the comments on this video seem to be made by pure sociopaths. The banking world is filled with sickos
I can’t lie a Wells Fargo employee being your banking sector interviewee and having that person speak poorly about citi bank is ironic
😂
💯💯💯
Like all journalists, they are getting all sides of the story. The perpetrators of the crime are either dead or not talking. The Wells Fargo guy was hilarious and blunt. He can now be tagged with his own words if he screws up.
I thought the same thing.
11:11 Bancassurance works in France for two reasons :
- French banks made loan insurance mandatory (you can't get a mortgage without insuring it), and for decades they forced customers to buy the insurance in their own insurance subsidiaries. That's no longer working (lawmakers destroyed that monopole, step by step, and now you can chose, and even change your loan insurer and oh miracle, loan insurances prices went down quickly).
- the main form of financial savings account here works and is regulated as a form of insurance - we call that life insurance but it's very different from american life insurances.
Since they had to operate in the insurance buisness anyway, and already had insurance subsidiaries with staff, HQs, etc, banks later developped a full offer of insurances (car, renters insurance, etc.) with correct prices.
Interstingly, the reverse bancassurance (or assurbanque), insurers going in the retail banking business, never worked. Only AXA maintains a bank subsidiary, and it's not a big player, it's a niche online bank for high income households.
I bet they want to do deals like, a French insurance to be the cheaper price or something under an American dollar or something to that effect.. Literally.... without any risk management ideals.. or even have any ideas of how they are calculated to begin with. So literally just destroy the French's old franc..... even though the euro is introduced... but isn't this still backing some of their oldest actual products as well ? Oh... sure.. just roll it forward... and count it as just a mere 50% of what it was before.
I can't even find a proper market or product any more either for my house insurance, or my life insurance... that should've covered my mortgage. It's like..... This is SO bad.... !!!! No wonder, so many individuals are now entering into these so caled HMOs... as well as these ex-financiers.. now doing these kind of corporate loans and commercial buildings, for residentials.. and they don't even live or stay in there. Except their immediate families !!!!!! Exactly WHAT or WHO is going to carry that forward ?? So the entire banking sector is basically their own private bank ?!!?!!!!...... OH !!! Why didn't anybody say so !!!....
Remember one other thing also too. Which is that, insurances were often based on averages of that population... cos of various genetics, or whatever of the group of people etc etc etc. So... and these are important elements to stand by. Why are women, often promoted asap... within the first 10 years of their careers traditionally ? That is to buy time for an actual time period for her to have a child. That is, also including... the differences and the various SOX rules too.
That music goes with stunning beginnings of next starting . This is where you needed the brilliance of Jamie Dimon !!.
Love this kind of content - very interesting. Thanks.
10:57 We need another video discussing how the French insurance banks are successful while the US insurance and bank combination attempts fail
In many latam countries when you secure a mortgage or a loan thag loan is tagged to a life insurance . Banks will get paid
if you get a mortgage, life insurance (or more likely mortgage protection) is compulsory. the main idea is transferring the risk from the individuals to institutions, which makes sense.
Because banks in US use insurance funds to borrow money, they don’t have a reserve for that. when insurance is going to pay to a customer, banks don’t have the money because they borrow that money.
In Mexico, insurance and bank combination works well because banks perpetuate client life-time value.
Insurance is based on risk assessment... and the risk is based on crime records... Ask yourself.. how much crime exists in the USA ? Since the sub prime mortgage period... how many are homeless now ? So... why would the insurnace piece work in the USA, if at all ? It won't work. And this is also.. edging towards the same thing too even in the UK here... Cos these kind of decisions have indirectly forced... countries like the UK to take in refugees as well.... and indirectly affecting insurances as well. Despite, it should NOT have been as so.. but it is getting to be there. And then, the migrant level of being a land bank as well... which is causing even a worst economic situation too. And companies have disappeared from the UK. The increasing NGOs.. are happening here... And it will soon mean, that the actual collapse... of actual... society, as we know it, will soon happen. Which, at this point in time then.. means that... well... the market itself will collapse. Many houses have already been abandoned here in the UK too. People just ran off !... The cities where the banks are in the UK, have actually gone bankrupt... and the public money has gone.... So this is causing... the banking sector is indirectly causing the government to go bankrupt as well ? Despite the original 2008 "saving point".... and now... the "debt level".... is being carried by the government. Cos why ? Those stupid buildings that have nobody in them are here.... What did the UK government had to do ? They have to create certain laws to ring fence them in !!!! .... Devolved regions... (With a lot of debts, but still being counted though... for the country !!!! )
@@GreenOliveBranch : But they invest and wanted to expand into Asia... without knowing that insurances in Asia wouldn't and doesn't work.. cos why ? Housing in Asia.. is humid and damp... unless you build an actual solid concrete thing. In which case, it means an awful lot of money ? And then to even insure that building means, how much money ? And yet, there are no other businesses, that is large enough to make those kind of figures.. so then... it has to mean that it can only be banks. And yet... there aren't the people there.. so then, they try to create this kind of "wealth management" piece.. right ? So then.. this means that, those SE Asians... keep spending and spending like no tomorrow.. while the rest of us across the globe, watch their gloats.. and their so called "wealth management" pseudo companies... waffing and waffing across the globe, trying to take us down.
So then, they try to do things like concerts.. to create insurances.. or to have personal insurances.. or voice insurances.. or whatever insurances... etc etc etc. What happened to "normal life" ? While the rest of us have to watch the news, waiting to be .... feared... and triggered. Oh... I forgot... social media companies, could also be invested too.. and deliberately to cause fear and triggers.... THAT is happening... Cos then it means that it is marketing data too !!!!...
Awesome video, random suggestion. Thanks FT!
Amazing documentaries FT PLEASE KEEP THIS UP
Paula Scher and her design of the Citi logo brought me here. 😊
Homer Simpson must be running the back room at Citi. Doh !
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here is my problem I have been making losses trying to make trade. I thought to trade demo is just like the real..can anyone help me out or at least tell me on what to do.
I always advice new members to have an orientation on how it works before getting involved. Trade offers more benefits than just holding.
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I love city bank, I trade often, it’s like a open wallet, I never seen a bank so open to their mistakes and then keep making them. The BIG C 😂
This is where you needed the brilliance of Jamie Dimon !!
That music goes with stunning beginnings of next starting 😂
o , its very easy to understand . Thank u for your effortedThank you sir for such a informative vi
Citi Bank is the only USA branch here in my east African country. I came to the internet to research if i should open an account with them
Thank you for doing everything you can to help us become financially educated.
Sadly, banks continue to stumble, mortgage rates is on the rise with higher imports and lower exports, yet the FED is to lessen cost. So, where do we grow and safeguard our money now? something will eventually break if they keep raising interests and quantitative tightening.
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@@jeffery_Automotive This is huge! think you can point me towards the direction of your advisor? been looking at advisory management myself.. seeking ways to invest and make more money with the uncertainty in the economy.
My advisor is Julie Anne Hoover , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market
@@jeffery_Automotive I appreciate you sharing this. When I looked up the woman you named and read through her credentials, it was obvious that she was a complete professional. I just need her to respond to the message I wrote her.
Citigroup already sold Philippine retail banking operations to Union Bank of the Philippines (UnionBank).
I wish Citigroup would accidentally send me $900M. Though I imagine that my bank would highlight it as an error.
The banking sector breaks laws all the time, though no one goes to prison.
They change the laws instead
haha
@@jayceh @ After they changed the law. Then they send in somebody or to hire specific individual that is part of the family... and then that individual... would... wealth management products. So then it means that, those families literally owns the bank. That is how it works.
Terrible, this is nothing more than a PR campaign to buy Jane more time. Rearranging deck chairs is not a "strategy". You do a reorg when you first take over the top job, not as part of some strategy, but as a way to solidify your chain of command. To do a large reshuffle 2 and half years later, is to admit the tenure has been a failure, but place the blame on someone else.
On the other hand, it is quite an extraordinary feat to get your first attempt at strategy correct on the first try. In some other areas (maybe family-owned business? non-public?) this would be seen as good, you make a mistake you fix it, learn from it and try something new. In the relentless quarterly capitalism pace it's one mistake, you are out, but so is the learning you have gained, and the next person has to learn all over again.
@@Blashmack Not when you been there for nearly 20 years, and been involved in every major line of the businesses, and chosen presumably with a plan.
Good luck with re-organising a financial institution with a quarter million headcount...
Amazing video
Your videos have helped me turn my trading around. I'm finally making consistent profits!
"Whereas you used to have these rockstar bankers..."
*pans to Jamie Dimon*
I'M STILL HERE BROS
Dimon belongs in prison
Citi just sold its Indonesia portfolio. They are closing in many places in Asia. They were convenient in Asia especially China years back but last few years asian banks are offering better services than western banks
Silos are a big problem at Citi. Jane should have cut off the 'I'll run it like I want to' attitude a long time ago. I wish her luck. She's going to need it to change that culture.
Thank you FT for this excellent film
Yes!! When anything beyond certain amount gets transferred, it’s always, and I mean always gets double checked. Sometimes with pre-approval basis. So, no possibility of getting screwed with such an amount erroneously transferred. Now; if anyone wants to cook a “duck roast” - an additional “zero” could be inserted later. But then again; such record can be checked for potential espionage.
wow so many positive comments here and ex citibank and wells fargo employees here!!!
Will buy citi shares, since it’s so low
Thank you
I do think the Citi consumer side is behind the times where everyone is doing better interface and Citi really fell behind. I have never seen a banking website so dated, and it only offers a few options. Can you believe that Citi doesn't offer DRIP to its individual brokerage accounts, whereas everyone else has offered those since mid-2010? I think it is pathetic for a global corporation such as Citi to fail in a business they are quite well known for, which is consumer banking. Their prestige around the world is nice. My parents often talk about how Citi is a bank for the wealthy. I think Citi is a stupid joke.
Citibanks is pretty huge in China and Singapore
They're screwing up in SG too... allowing them to do whatever they like... so many of these hired individuals.. make it sounds like the ENTIRE world... is one simple UN level.... state. THAT is what some people assume and act like in China and in Singapore. They don't even realise, or to even accept the differences in other countries.... At all. Why ? Cos they are hired... so they wouldn't risk their own positions.
Banks should be considered utilities and regulated accordingly.
The real issue is very similar to what you’re implying. The repeal of the glass stegal act shattered the firewall between commercial and investment banking. Frank Dodd act tries to mend some structural deficiencies but its still the wild west in America when it comes to banking.
Unregulated capitalism does not work. You need the guard-rails of regulation to keep these drunken idiots on the road.
Этот окуп в конце зарешал вообще всю игру! Свезло конечно)
"A rising tides lifts all yachts"
Plutocracy 101
Now I really understand why Citi has gotten problems.
suddenly Im wide awake thinking were on the brink of a major financial paradigm shift.
Sandy Weill and John Reed were about as culturally different from each other as two people could possibly be. You're talking Wall Street versus Park Avenue, downtown versus uptown, really different. When I read that they would be co-CEOs, I just thought, "that can't possibly last long." Reed was gone in short order.
Laws should have been reintroduced separating investment from retail banking again after the industry proved they still couldn’t be trusted to combine them safely. And forced the breakup of these huge conglomerations
Retail and investment have been separated, but the conglomerates haven't been broken up. And government and finance are too cosy with each other.
Glass-Steagall worked well for 60 years. Tearing down the firewall between the casino, and retail banking was a big mistake
Great video! I ejoyed it!
I'm confused, if I was accidentally transferred just £500 I've been told it's theft to not make the nak aware so they can recollect it. So how can Reckon just get away with such theft??!!
go online and research the laws in your country. And read the written contract you have with your bank, they cover this issue in their contracts. It's tedious, and requires a few hours of effort. But knowledge is power in your scenario. You will also find other interesting stuff that does apply to you right now. This story did not report the end result of all the lawsuits in the US, which will have different laws than Britain. The $900 million mistaken transfer was a civil matter, not criminal theft, under US law. I'm too lazy to look up these results, so I'm assigning it to you. Lol!
Someone telling you its theft doesnt make it theft
They’re kinda like the Sears of banks
Not at all, they are considered too big to fail, so the government will always keep them alive
12:12 "Which the Senior Management seemed to have no idea was a potential risk" LOLOLOLOLOLOL!!!!!!!!! They are all leeches on society.
Somehow people see SoFi makeing the exact same mistakes as Citi and tell themselves, "I want to invest in SoFi". We never learn.
You would think if there was a $9 million dollar transaction that there will be multiple people looking at it to ensure everything is right
No. Only 1 checker
Their Accounting staff need to get fired...incompetents...the whole process lacks checks and balances somehow for this to be able to happen..
@@andreewert1925 mark mason. Chief Risk Officer got fired. Brad Hu also got a soft axe.
CFO should have been fitred foir issuing this 900 million Transfer..@@ralphperez4360
@@ralphperez4360isnt Mark Mason the CFO?
Citi is the modern version of an empire. Get large get inertia and fall apart.
If it's believed that women typically assume CEO roles during crises, does the same logic apply to systemic financial institutions like the ECB, the World Bank and the US Fed?
Like ex Walgreen CEO who tanked the stock to lowest point aftr spending $10 BILLION😊
Citi has IT problems? wait for Wells Fargo... IT operations has entirely shifted to India 😂
With all the Indian tech CEOs and senior managers in USA, strange move-but I guess you gotta take expertise where you can get it.
The T in Citi stands for Tech problems.
Like this wasn't planned....
5:11 National mood in 1998!
I was in the global audit department at Citi. I'm just gonna say those were some wild and interesting times 🙊
Please tell us more. How about some interesting tales.
The language constructs are so short sighted. 😊
*_"I don't even recognize city bank or something..."_* 😅😮😢
Not this guy from Wells Fargo talking 😂😂😂
T'is a fair world when banks have money laundering issues, and individuals get jailed for money laundering. All one has to do is become bank holding company, and 'voila' one has now money laundering issues.
Piece of cake, all one needs is billions in cash...
So. What I heard is, invest in Citi and hope Jane Frazer doesn’t have a heart attack. ((She is the Xi-Jin-Ping of Citi) let’s hope she is developing her second in command just in case she falls off her perch.
i think RCB is the bakra here .. some backdoor dealing must have happened between MI and RCB to make way for pandya into MI
Jane Fraser took the job knowing she would be the scape goat woman. That's why she took total control, so she has a fighting chance. A man would do the same thing. If she is fired, she will get a very sweet, sweet severance package, and she will retire to the Bahamas or something.
Ho boy.... didn't knew it was that bad...
History will keep repeating itself. Bankers will always try to sell the idea that they can manage risks better than those that came before to drive higher profits. They were not humbled. There is another banker in training waiting for their opportunity to make the same mistakes in order to make record profits.
They are not "mistakes" - the risk mispricing is absolutely deliberate, because making provisions for risk costs money, and hence you make more money if you can magic the risk away. Of course, reality is not fooled and at some point the actual level of risk will show itself and the people that fudged it will start screeching about "we couldn't have predicted this" - when they absolutely could have, and should have.
Below book value for a bank is not odd at all.
Wildwest at it's best.
Its super choice to see someone from Wells Fargo criticizing Citibank.
Bill Clinton did well generally, but this was his one big failure-not reversing Reagan's financial deregulations, and then not stamping on the dismantling of Glass-Steagall.
Who do you think paid for the bulk of Bill Clinton’s candidacy all the way from the Iowa primaries???
@@ralphperez4360 Difficult to say, since he did so poorly in Iowa and NH-altho better in NH, avoided being wiped out. Maybe Gennifer's family chipped in a few million, or at least sent Flowers?
Ross Perot is another guess-he probably took more angry voters from 'unbeatable' Bush than he took progressives from Clinton. When he dropped out, Clinton got a huge boost after the Dem convention, so maybe Perot did have a lot of Dem voters?? Or maybe Gore's family-picking Al was one of a number of great tactical moves Clinton pulled off during the campaign.
If you're looking for a conspiracy fantasy, you have a tough job-Clinton was just a great campaigner who somehow avoided sinking and won support across the board-eg retired people were a significant segment of his financing!
Anyone who works at a physical bank, I feel bad for you for doing so much work for so little money
Thanks
FT's reporting is get worse by the year, with more sensationalism and tabloid-like analysis on almost everything.
Why is there a Xylophon emoyed on every clip about banks xD?
Experiment is the right word.
I work in Citi in the consumer banking side of things, and the technology side is so bad and outdated it’s frustrating.
I believe it. I purchased a couple prepaid credit cards for credit building purposes for a teenager
/College student.
They fumbled the account so bad simply by making the technology for paying or managing the account nearly useless.
Monopolistic policies and globalization hs been disastrous in more ways than one.
I'm afraid it's not just Wall St. You don't have to look far here: John Lewis & Partners👀
Weill saw himself as a genius. Would investors agree ? He pushed Dimon out .
Weill got rid of Jamie when Jamie fired Sandy's daughter; who ran a business unit at Citi.
The war you don’t see
Hope the best for Jane Fraser’s Citigroup 19:26
Getting lean is the only way
People hate not using medical topic subject words in non medical industries conversations.
How are you going to transfer 900 million and it not flag anyone?
You would be surprised
Citi also tells the story of USA…..
As american businesses retreated across the world ….Citi would follow them.
The rise of local banks or Asian banks shows that they are better in running local banks compared to Citi.
Citi used to be the best bank in South East Asia…..now it had just sold out.
Last time I buy many American products…..now I hardly buy American products except for Apple ( made in China).
America is retreating back to USA….where Trump will protect the local companies with tariffs.
The poor are suffering as their basic goods prices have shot up with the tariffs.
More homelessness expected.
Women always have to clean up the balance sheet,when a man has made mess🤷♀️❤️🌹👀
CONGRATULATIONS 👏 AND PRAYERS 🙏 BY RAVINDER TALWAR JALANDHAR CITY PUNJAB INDIA
Citigroup is mine. I planned it in the 1970s with my assets then and projected future assets. And HSBC and MUFG, etc. Really. So I am supposed to be trillionaire now in these world banks...
And it was actually me who planned the Cayman Islands as an international banking hub. Modern Hollywood and the Tech Giants I own actually but taken from me. I also created McDonald's, Pizza Hut, Dunkin Donuts, and Jollibee, etc.
Not giving 500M back is mad 😂.
It’s not mad. It’s desperation.
Thats like Revlons annual income
I'd sue them if they did that to me
14:01
A monopoly.
Rotten Corp(se)
Humble Banking... lolz
Yup, if CEOs are not social activist and just focus on the job at hand, it will definitely be GREAT!
? What does that have to do with the utter failure that is citibank. What are you even saying.
@@AvgJane19citi is the biggest dei supporter
The last phrase about bla bla bla humble banking, give's a resume for the whole documentary. Less to say funny, more like amateurs who made it. No begining, less content and Numbers/Data, and for the end just mentioned. They should try watching 4 part Planet Finance/Arte
11:20 "for whatever reason" is not good signal of this person's expertise. They should be able to explain why banking and insurance dont go well together in the US but it does work well in France.
I couldn't disagree with you more. The analyst surely knows thrse reasons and is also sensible enough to recognize that the specific reasons the French bancassurance Mosel doesn't work here in the US is outside the scope of this video. A less talented and less confident analyst (you?) would prattle on and on merely to demonstrate her knowledge.
Citi was smart. Put a DEI woman ceo and stop getting all the hate while making the same mistakes.
lots of bots here ...youtube financial videos seems to be a magnet coupled with lazy youtubers not policing.
"humble banking" get da fq out of here! 😂
Shiti Bank