An opportunity map for agentic AI across Services, Markets and Banking — grounded in Citi's disclosed FY2025 financials and real industry benchmarks.
Citi delivered record FY2025 revenue and positive operating leverage across all five businesses — while committing to keep bending the cost curve. The wholesale franchise, with its scale and process intensity, is where AI compounds fastest.
Treasury & Trade Solutions (cross-border / international payments, USD clearing) + Securities Services. FY2025 revenue $21.3B · opex $10.8B · cross-border value $416B.
Fixed Income + Equities (incl. Prime). High-volume, low-latency. FY2025 revenue $22.0B · opex $14.1B.
Investment Banking (M&A, ECM, DCM) + Corporate Banking. FY2025 revenue $8.2B · opex $4.5B.
Shared spine: onboarding/KYC, reference & client data, trade & payment processing, reconciliations, settlement, controls, and regulatory reporting — where most addressable expense (and AI opportunity) concentrates.
Each estimate is built bottom-up from a disclosed segment cost pool × an addressable share × a conservative AI savings rate — and anchored to a documented "quantum-leap" benchmark. Click any card to expand.
Pick an opportunity and adjust the addressable cost pool and AI savings rate. The financial impact and the portfolio total recompute live. Defaults reflect the conservative ranges in the analysis.
From copilot to autonomous multi-step agent — grounded in Citi data and bank-grade governance. Pick a scenario and run the agent.
Bubble size = estimated annual run-rate impact. Hover any bubble for detail. Sequencing weighs ROI certainty, cost-pool size, and data/regulatory dependencies.