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Citi has two types of credit cards. The Costco Anywhere Visa® Business Card by Citi is exclusively for Costco customers, while the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® may be worth exploring if you frequently fly with American Airlines.Costco Anywhere Visa Business Card by Citi ReviewCitiBusiness AAdvantage Platinum Select Mastercard ReviewCiti Personal Loan ReviewCiti Personal Loans may be worthwhile if you already bank with the company. To be eligible for a personal loan at Citi meet Citi's creditworthiness criteria.See Business Insider's Citi Personal Loans Review.Citi Mortgages ReviewCiti offers several types of home loans, including conforming, jumbo, FHA, VA and HomeRun mortgages. The HomeRun mortgage could be a good choice if you're looking for an affordable mortgage option. Through the HomeRun mortgage program, customers may make a down payment as low as 3% with no mortgage insurance requirement.See Business Insider's Citi Mortgage Review.How Citi ComparesWe've compared Citi to three other national banks: Bank of America, Chase, and Wells Fargo.Citi vs. Bank of AmericaBank of America is a good choice if you want a larger branch network, because it has locations in 37 U.S. states and Washington, DC. You also might prefer Bank of America for a simpler banking experience, since Citi has more a more complex fee structure.But Citi has a much larger free ATM network, including ATMs in other countries.You'll probably prefer Citi if you're eligible to open the Citi® Accelerate Savings account, because you'll earn a much higher savings rate than you could with Bank of America savings accounts. As for CDs, the best CD rate between the two banks will depend on which term you choose.Bank of America ReviewCiti vs. ChaseChase is another great option if you want a large branch network within the U.S. It has branches in every state except Alaska and Hawaii.Chase and Citi are both known for offering several checking accounts. The best fit could come down to what you want out of a checking account and whether you can waive the monthly fee on your preferred account.For example, if you just want a simple checking account, you might prefer Citi Access Checking over Chase Total Checking®. Both offer strong sign-up bonuses to eligible customers, but Citi's account has a lower monthly fee that is automatically waived for the first three months.Chase Bank ReviewCiti vs. Wells FargoAgain, you may prefer Wells Fargo if you want a larger branch network throughout the United
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Convenient than other banks. Some financial institutions only offer customer support from 9 a.m. to 5 p.m. on weekdays and limited support on weekends.You can also chat online with a Citi customer representative from 6 a.m. to 10 p.m. ET.Is Citi Trustworthy?The Better Business Bureau gives Citi an F rating because it's received a high volume of customer complaints on the BBB website and it has failed to respond to many customer complaints.In November 2023, the Consumer Financial Protection Bureau claimed Citi intentionally discriminated against Armenian-American credit card applicants. The CFPB ordered the bank to pay $25.9 million in fees and to applicants who were impacted.Citi Fees, Rates, and Financial BenefitsUnderstanding Citi's Fee StructureCiti's fee structure is complicated. Your fees will depend on which bank accounts you have and whether you qualify for Relationship Tiers.With the bank's standard checking accounts, you'll need to be mindful of monthly service fees, non-Citi ATM fees, money order fees, official check fees, and stop payment request fees.If you have Citi Priority, the Citigold® Checking Account, the Citigold® Checking Account with a savings account, it'll be easier to waive common bank fees. For example, you'll be able to waive ATM fees, money order fees, and official check fees. However, you'll need to meet minimum balance requirements to get these accounts.One fee that you won't have to worry about at Citi is overdraft fees. The bank eliminated overdraft fees, returned item fees, and overdraft protection fees on bank accounts in 2022. For that reason, Citi is one of the best banks for avoiding overdrafts.Citi Savings and CD Rates and How They CompareCiti® Accelerate Savings rates are comparable to high-yield savings accounts at the best online banks, and a good option if you can waive the monthly service fee. You aren't eligible for this account if you live California, Connecticut, select parts of Florida, select parts of Illinois, Maryland, Nevada, New Jersey, New York, Virginia, or Washington, DC.People who aren't eligible for Citi® Accelerate Savings, have to get Citi® Savings. The Citi® Savings rate depends on your Relationship Tier. Regardless of which tier you're in, the Citi® Savings rate is lower than the average savings account rate. You'll want to choose a different bank to obtain a high savings rate.Citi FAQs Citi offers checking accounts, savings accounts, CDs, business bank accounts, personal loans, home loans, and credit cards. The fees associated with Citi accounts largely depend onAraneta City - Araneta City - The City of Firsts!
Sony FDR-AX43A Handycam with ExMor R CMOS Sensor 0% 3mos BDO, BPI, CITI, HSBC ₱17,416.67/mo. ₱54,999.00 ₱52,250.00 -4% Canon XA65 Professional UHD 4K Camcorder 0% 3mos BDO, BPI, CITI, HSBC ₱49,832.67/mo. ₱149,498.00 Canon EOS C400 6K Full-Frame Digital Cinema Camera 0% 3mos BDO, BPI, CITI, HSBC ₱170,332.67/mo. ₱510,998.00 Sony PXW-Z200 4K 1" CMOS Sensor XDCAM Camcorder 0% 3mos BDO, BPI, CITI, HSBC ₱88,999.67/mo. ₱266,999.00 Exascend Essential CFexpress Type A 480GB Memory Card 0% 3mos BDO, BPI, CITI, HSBC ₱5,833.33/mo. ₱17,500.00 Panasonic HC-WXF1 UHD 4K Camcorder 0% 3mos BDO, BPI, CITI, HSBC ₱22,497.00/mo. ₱74,990.00 ₱67,491.00 -10% Panasonic HC-V800 HD Camcorder 0% 3mos BDO, BPI, CITI, HSBC ₱10,497.00/mo. ₱34,990.00 ₱31,491.00 -10% Panasonic HC-X2GC 4K & Full-HD Camcorder 0% 3mos BDO, BPI, CITI, HSBC ₱71,997.00/mo. ₱239,990.00 ₱215,991.00 -10% Panasonic HC-X20GC 4K & Full-HD Camcorder 0% 3mos BDO, BPI, CITI, HSBC ₱56,997.00/mo. ₱189,990.00 ₱170,991.00 -10% Panasonic AG-UX180 4K Premium Professional Camcorder 0% 3mos BDO, BPI, CITI, HSBC ₱75,896.67/mo. ₱252,989.00 ₱227,690.00 -10% Canon EOS C70 Cinema Camera 0% 3mos BDO, BPI, CITI, HSBC ₱106,999.33/mo. ₱320,998.00 Canon C100 II Body 0% 3mos BDO, BPI, CITI, HSBC ₱68,079.39/mo. ₱221,998.00 ₱204,238.16 -8% Sony PXW-Z190 4K Handheld Camcorder 0% 3mos BDO, BPI, CITI, HSBC ₱105,666.67/mo. ₱348,700.00 ₱317,000.00 -9%. 20 Housing Housing Stock Type County City City County City City City County City City City City City City City City City City Housing Stock Goal 2,194 1,316 smashy city: monster battles. sunshine city parking. city siege. crime city 3d. city siege 4: alien siege. city siege: sniper. city drift. city driver. crime city 3d 2. skateboard city. city builder 3d. real city parkingCity Ward Redistricting - City of Jersey City - Jersey City, New
Full balance and interest at any time 6 days after opening an account Interest compounded daily, deposited monthly FDIC insured Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Citi Step Up CD Citi Step Up CD Annual Percentage Yield (APY) 0.05% to 0.15% Minimum Opening Deposit $500 Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. Get a rate increase every 10 months Check mark icon A check mark. It indicates a confirmation of your intended interaction. Standard early withdrawal penalties Cons con icon Two crossed lines that form an 'X'. Low interest rate Product Details Earn 0.05% APY during your first 10 months, 0.10% APY for months 11 through 20, and 0.15% APY on months 21 though 30 For CD terms of 1 year or greater, the early withdrawal penalty is 180 days of simple interest Interest compounded daily and deposited monthly FDIC insured Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Citi offers three types of CDs: Citi Fixed Rate CDs, Citi Step Up CDs, and Citi No Penalty CDs.While the bank's abundance of checking and savings account options can be staggering, its CD options are easier to follow. Step Up CDs allow you to earn a higher interest rate at a specified date, while no-penalty CDs do not charge you early withdrawal penalties if you take out money from your account before the term ends.If you're searching for a competitive interest rate, a 1-year or 18-month Citi Fixed Rate CD might be worth considering.See Business Insider's Citi CD review.Citi Personal Credit Card ReviewCiti has a variety of credit cards, including travel credit cards, balance transfer credit cards, cash-back credit cards, and credit cards with 0% APR.Our best Citi credit cards guide highlights the best options depending on what you're looking for. The Citi Strata Premier℠ Card is our top Citi credit card for 2024.Citi Custom Cash Card ReviewCiti Diamond Preferred Card ReviewCiti Premier Card ReviewCiti Double Cash Card ReviewCiti Simplicity Card ReviewCiti Rewards+ Card ReviewCostco Anywhere Visa Card by Citi ReviewCiti AAdvantage Platinum Select Card ReviewCiti AAdvantage MileUp Card ReviewCiti Advantage Executive Card ReviewCiti Business Credit Card ReviewIf you have a small business,Dragon City cheats Dragon City – Dragon City cheats Dragon City
Business Insider Back to Top A white circle with a black border surrounding a chevron pointing up. It indicates 'click here to go back to the top of the page.' Updated 2025-01-09T04:15:41Z Read in app Citi (Member FDIC) could be a good option if you live in one of the 42 states that offers Citi® Accelerate Savings because it pays a high interest rate. Citi is also notably featured in our guides for best low credit score mortgage lenders and best credit cards.Citi Review: Overall RatingCiti Pros and ConsAbout CitiCiti Branch AccessibilityCiti (Member FDIC) is a national bank with over 650 branches sprinkled around the U.S., including California, Connecticut, Florida, Illinois, Maryland, Nevada, New Jersey, New York, South Dakota, Virginia, and Washington, DC. You'll also have access to over 65,000 fee-free ATMs nationwide, plus free ATMs all over the world.What You Need to Know About Citi BankingSome of Citi's accounts depend on where you live. For example, the high-yield Citi® Accelerate Savings is only available for residents of certain states.Citi also has a new system called Relationship Tiers. If you maintain a certain account balance, you'll be eligible for Citi Priority, Citigold® Checking Account, or Citigold® Private Client Checking Account, which have more benefits and services. For example, these accounts do not have ATM fees, money order fees, or official check fees.Your Citi accounts are FDIC-insured for up to $250,000, or $500,000 for joint accounts.Citi Digital Experience and App UsabilityWith the Citi mobile app, you can open checking and savings accounts, view your transaction history, make mobile check deposits, use Zelle, initiate online bill payments, and find ATMs. If you have a Citi credit card, you'll also get to check your FICO credit score for free.The bank's online banking offers similar services. You'll be able to open bank accounts, view online bank statements, find Citi locations, and use online bill pay.Citi's mobile app experience may not stack up to other big banks, though. According to a J.D. Power 2023 U.S. Online Banking Satisfaction Study, Citi ranked lower in banking mobile app satisfaction than the study average. For online banking satisfaction, Citi performed better, receiving 6 points above the study average.The bank's mobile app is rated 4.9 out of 5 stars in the Apple store and 4.7 stars out of 5 stars in the Google Play store.Citi Customer Support AvailabilityCiti's customer service is available 24/7 over the phone, which is moreA Professional City Builder Designs the PERFECT CITY - In Cities
All forum topics Previous Topic Next Topic Previous 1 2 3 4 Next Credit Mentor 05-17-2018 01:00 PM Re: LL Bean MasterCard to be Issued by Citi @Anonymous wrote:I wonder if Barclay's is getting out of the co-branded card business. It wasn't too long ago that the Barclay Williams & Sonoma card was switched over to Comenity.I hope so I am blacklisted from barclays would be nice to have more options 😂😂 EXP 780 EQ 796 TU 810 Valued Member 05-21-2018 09:46 AM Re: LL Bean MasterCard to be Issued by Citi I have had one of these for years. It's got a decent limit--$11k or so. Haven't used it in a while, though. Switched to a Freedom Unlimited for everything.I had thought about getting a Citi Double Cash, but opted for the Chase card after I read that Citi seems to be consistently stingy on starting limits. Didn't want high utilization since I would be using it as my primary card. It'd be awesome if they let me product change the Bean card to a double cash and I'd keep that limit. AmEx BCP (34.5k), Amazon Prime Visa (25k), Citi DoubleCash (20k), LL Bean Mastercard (10k), Chase Freedom (10k), US Bank Cash+ (9k), BoA Customized Cash (8k), Elan Credit Union Card (4.5k) Moderator Emeritus 05-21-2018 12:31 PM Re: LL Bean MasterCard to be Issued by Citi - no, Barclays isn't exiting the private label market anytime soon.Typically, both the lender and partner organization continually evaluate their contracts and either decide to renew or exit such partnership. Notable instances include Barclays acquiring the JetBlue portfolio from AMEX and introducing the Uber CC recently.Comenity, SYNCB, Barclays, FNBO, and Capital One consistently aquire and shed private label CC portfolios. Senior Contributor 06-15-2018 07:19 AM Re: LL Bean MasterCard to be Issued by Citi This card is now officially with Citi, although the transition won't be complete until Monday, June 18.I logged into my LL Bean card account today and got this message from Barclays:We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at 1-888-232-0780.I called the number on the back of my card rather than the number listed above and got a Citi rep. Before speaking to her, I heard various recordings explaining the transition process. The upshot is that account access is limited until Monday, and neither the customer nor the reps will be able to view transactions. However, customer service will be able to help if you need to report a lost or stolen card.Part of me wishes that I had gone into this transition with a zero balance. However, I don't anticipate any problems. I wonder when this card might report to the credit bureaus. I anticipate reporting at statement time as Citi normally does, but I wonder if there might be a mid-cycle report as part of the transition.It'd be interesting if anyone who went through the Costco AMEX to Citi transition could chime in. I'm curious to know how. 20 Housing Housing Stock Type County City City County City City City County City City City City City City City City City City Housing Stock Goal 2,194 1,316 smashy city: monster battles. sunshine city parking. city siege. crime city 3d. city siege 4: alien siege. city siege: sniper. city drift. city driver. crime city 3d 2. skateboard city. city builder 3d. real city parkingComments
Citi has two types of credit cards. The Costco Anywhere Visa® Business Card by Citi is exclusively for Costco customers, while the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® may be worth exploring if you frequently fly with American Airlines.Costco Anywhere Visa Business Card by Citi ReviewCitiBusiness AAdvantage Platinum Select Mastercard ReviewCiti Personal Loan ReviewCiti Personal Loans may be worthwhile if you already bank with the company. To be eligible for a personal loan at Citi meet Citi's creditworthiness criteria.See Business Insider's Citi Personal Loans Review.Citi Mortgages ReviewCiti offers several types of home loans, including conforming, jumbo, FHA, VA and HomeRun mortgages. The HomeRun mortgage could be a good choice if you're looking for an affordable mortgage option. Through the HomeRun mortgage program, customers may make a down payment as low as 3% with no mortgage insurance requirement.See Business Insider's Citi Mortgage Review.How Citi ComparesWe've compared Citi to three other national banks: Bank of America, Chase, and Wells Fargo.Citi vs. Bank of AmericaBank of America is a good choice if you want a larger branch network, because it has locations in 37 U.S. states and Washington, DC. You also might prefer Bank of America for a simpler banking experience, since Citi has more a more complex fee structure.But Citi has a much larger free ATM network, including ATMs in other countries.You'll probably prefer Citi if you're eligible to open the Citi® Accelerate Savings account, because you'll earn a much higher savings rate than you could with Bank of America savings accounts. As for CDs, the best CD rate between the two banks will depend on which term you choose.Bank of America ReviewCiti vs. ChaseChase is another great option if you want a large branch network within the U.S. It has branches in every state except Alaska and Hawaii.Chase and Citi are both known for offering several checking accounts. The best fit could come down to what you want out of a checking account and whether you can waive the monthly fee on your preferred account.For example, if you just want a simple checking account, you might prefer Citi Access Checking over Chase Total Checking®. Both offer strong sign-up bonuses to eligible customers, but Citi's account has a lower monthly fee that is automatically waived for the first three months.Chase Bank ReviewCiti vs. Wells FargoAgain, you may prefer Wells Fargo if you want a larger branch network throughout the United
2025-04-08Convenient than other banks. Some financial institutions only offer customer support from 9 a.m. to 5 p.m. on weekdays and limited support on weekends.You can also chat online with a Citi customer representative from 6 a.m. to 10 p.m. ET.Is Citi Trustworthy?The Better Business Bureau gives Citi an F rating because it's received a high volume of customer complaints on the BBB website and it has failed to respond to many customer complaints.In November 2023, the Consumer Financial Protection Bureau claimed Citi intentionally discriminated against Armenian-American credit card applicants. The CFPB ordered the bank to pay $25.9 million in fees and to applicants who were impacted.Citi Fees, Rates, and Financial BenefitsUnderstanding Citi's Fee StructureCiti's fee structure is complicated. Your fees will depend on which bank accounts you have and whether you qualify for Relationship Tiers.With the bank's standard checking accounts, you'll need to be mindful of monthly service fees, non-Citi ATM fees, money order fees, official check fees, and stop payment request fees.If you have Citi Priority, the Citigold® Checking Account, the Citigold® Checking Account with a savings account, it'll be easier to waive common bank fees. For example, you'll be able to waive ATM fees, money order fees, and official check fees. However, you'll need to meet minimum balance requirements to get these accounts.One fee that you won't have to worry about at Citi is overdraft fees. The bank eliminated overdraft fees, returned item fees, and overdraft protection fees on bank accounts in 2022. For that reason, Citi is one of the best banks for avoiding overdrafts.Citi Savings and CD Rates and How They CompareCiti® Accelerate Savings rates are comparable to high-yield savings accounts at the best online banks, and a good option if you can waive the monthly service fee. You aren't eligible for this account if you live California, Connecticut, select parts of Florida, select parts of Illinois, Maryland, Nevada, New Jersey, New York, Virginia, or Washington, DC.People who aren't eligible for Citi® Accelerate Savings, have to get Citi® Savings. The Citi® Savings rate depends on your Relationship Tier. Regardless of which tier you're in, the Citi® Savings rate is lower than the average savings account rate. You'll want to choose a different bank to obtain a high savings rate.Citi FAQs Citi offers checking accounts, savings accounts, CDs, business bank accounts, personal loans, home loans, and credit cards. The fees associated with Citi accounts largely depend on
2025-03-28Full balance and interest at any time 6 days after opening an account Interest compounded daily, deposited monthly FDIC insured Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Citi Step Up CD Citi Step Up CD Annual Percentage Yield (APY) 0.05% to 0.15% Minimum Opening Deposit $500 Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. Get a rate increase every 10 months Check mark icon A check mark. It indicates a confirmation of your intended interaction. Standard early withdrawal penalties Cons con icon Two crossed lines that form an 'X'. Low interest rate Product Details Earn 0.05% APY during your first 10 months, 0.10% APY for months 11 through 20, and 0.15% APY on months 21 though 30 For CD terms of 1 year or greater, the early withdrawal penalty is 180 days of simple interest Interest compounded daily and deposited monthly FDIC insured Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Citi offers three types of CDs: Citi Fixed Rate CDs, Citi Step Up CDs, and Citi No Penalty CDs.While the bank's abundance of checking and savings account options can be staggering, its CD options are easier to follow. Step Up CDs allow you to earn a higher interest rate at a specified date, while no-penalty CDs do not charge you early withdrawal penalties if you take out money from your account before the term ends.If you're searching for a competitive interest rate, a 1-year or 18-month Citi Fixed Rate CD might be worth considering.See Business Insider's Citi CD review.Citi Personal Credit Card ReviewCiti has a variety of credit cards, including travel credit cards, balance transfer credit cards, cash-back credit cards, and credit cards with 0% APR.Our best Citi credit cards guide highlights the best options depending on what you're looking for. The Citi Strata Premier℠ Card is our top Citi credit card for 2024.Citi Custom Cash Card ReviewCiti Diamond Preferred Card ReviewCiti Premier Card ReviewCiti Double Cash Card ReviewCiti Simplicity Card ReviewCiti Rewards+ Card ReviewCostco Anywhere Visa Card by Citi ReviewCiti AAdvantage Platinum Select Card ReviewCiti AAdvantage MileUp Card ReviewCiti Advantage Executive Card ReviewCiti Business Credit Card ReviewIf you have a small business,
2025-03-30Business Insider Back to Top A white circle with a black border surrounding a chevron pointing up. It indicates 'click here to go back to the top of the page.' Updated 2025-01-09T04:15:41Z Read in app Citi (Member FDIC) could be a good option if you live in one of the 42 states that offers Citi® Accelerate Savings because it pays a high interest rate. Citi is also notably featured in our guides for best low credit score mortgage lenders and best credit cards.Citi Review: Overall RatingCiti Pros and ConsAbout CitiCiti Branch AccessibilityCiti (Member FDIC) is a national bank with over 650 branches sprinkled around the U.S., including California, Connecticut, Florida, Illinois, Maryland, Nevada, New Jersey, New York, South Dakota, Virginia, and Washington, DC. You'll also have access to over 65,000 fee-free ATMs nationwide, plus free ATMs all over the world.What You Need to Know About Citi BankingSome of Citi's accounts depend on where you live. For example, the high-yield Citi® Accelerate Savings is only available for residents of certain states.Citi also has a new system called Relationship Tiers. If you maintain a certain account balance, you'll be eligible for Citi Priority, Citigold® Checking Account, or Citigold® Private Client Checking Account, which have more benefits and services. For example, these accounts do not have ATM fees, money order fees, or official check fees.Your Citi accounts are FDIC-insured for up to $250,000, or $500,000 for joint accounts.Citi Digital Experience and App UsabilityWith the Citi mobile app, you can open checking and savings accounts, view your transaction history, make mobile check deposits, use Zelle, initiate online bill payments, and find ATMs. If you have a Citi credit card, you'll also get to check your FICO credit score for free.The bank's online banking offers similar services. You'll be able to open bank accounts, view online bank statements, find Citi locations, and use online bill pay.Citi's mobile app experience may not stack up to other big banks, though. According to a J.D. Power 2023 U.S. Online Banking Satisfaction Study, Citi ranked lower in banking mobile app satisfaction than the study average. For online banking satisfaction, Citi performed better, receiving 6 points above the study average.The bank's mobile app is rated 4.9 out of 5 stars in the Apple store and 4.7 stars out of 5 stars in the Google Play store.Citi Customer Support AvailabilityCiti's customer service is available 24/7 over the phone, which is more
2025-03-27Of this Citi Research product ("the Product"), please contact Citi Research, 388 Greenwich Street, 6th Floor, New York, NY, 10013, Attention: Legal/Compliance [E6WYB6412478]. In addition, the same important disclosures, with the exception of the Valuation and Risk assessments and historical disclosures, are contained on the Firm's disclosure website at Valuation and Risk assessments can be found in the text of the most recent research note/report regarding the subject company. Pursuant to the Market Abuse Regulation a history of all Citi Research recommendations published during the preceding 12-month period can be accessed via Citi Velocity ( or your standard distribution portal. Historical disclosures (for up to the past three years) will be provided upon request.Citi Research Equity Ratings Distribution12 Month RatingCatalyst WatchData current as of 01 Jan 2025BuyHoldSellBuyHoldSellCiti Research Global Fundamental Coverage (Neutral=Hold)57%34%9%35%48%17%% of companies in each rating category that are investment banking clients43%44%35%47%40%42%Citi Research Quantitative World Radar Screen Model Coverage30%40%30%% of companies in each rating category that are investment banking clients29%18%15%Citi Research Quantitative Latam Radar Screen Model Coverage21%58%21%% of companies in each rating category that are investment banking clients48%50%45%Citi Research Quantitative Asia Radar Screen Model Coverage20%60%20%% of companies in each rating category that are investment banking clients24%12%6%Citi Research Quantitative Australia Radar Screen Model Coverage41%0%59%% of companies in each rating category that are investment banking clients43%0%26%Guide to Citi Research Fundamental Research Investment Ratings:Citi Research stock recommendations include an investment rating and an optional risk rating to highlight high risk stocks.Risk rating takes into account both price volatility and fundamental criteria. Stocks will either have no risk rating or a High risk rating assigned.Investment Ratings: Citi Research investment ratings are Buy, Neutral and Sell. Our ratings are a function of analyst expectations of expected total return ("ETR") and risk. ETR is the sum of the forecast price appreciation (or depreciation) plus the dividend yield for a stock within the next 12 months. The target price is based on a 12 month time horizon. The Investment rating definitions are: Buy (1) ETR of 15% or more or 25% or more for High risk stocks; and Sell (3) for negative ETR. Any covered stock not assigned a Buy or a Sell is a Neutral (2). For stocks rated Neutral (2), if an analyst believes that there are insufficient valuation drivers and/or investment catalysts to derive a positive or negative investment view, they may elect with the approval of Citi Research management not to assign
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