Citibank's personal unsecured loan has the advantage of low borrowing threshold. Most banks require borrowers to earn more than 5,000 yuan a month and work in their current units for more than half a year. Citibank's personal unsecured loan only requires the borrower's monthly income of 4,000 yuan, and can make a request after working in the current unit for three months or having more than two years of experience. Secondly, Citibank's personal unsecured loan interest rate is also relatively low. It is reported that the monthly interest rate of unsecured loans of the bank is as low as 1.2%, and there are gift packages for borrowers to take.
Citibank's personal unsecured loans also have some defects. The most obvious two points are: first, there are restrictions on the nature of the borrower's work, such as chefs, security guards, people's liberation army, drivers and other high-risk occupations can not seek help for the time being; Second, the quota is low, usually fluctuating at 8 times of the applicant's monthly income. Customers with large capital needs should choose carefully.
Citibank
Citibank is a retail bank under Citigroup. Its main predecessor is new york City Bank, which was established in June 2002 18 16.
Citigroup provides services to about 200 million customers in more than 0/00 countries around the world, including individuals, institutions, enterprises and government departments. Providing a wide range of financial products and services, from consumer banking services and credit, corporate and investment banking services, as well as brokerage, insurance and asset management, is unmatched by any other financial institution.
In the ranking of global 1000 banks in 2002 by The Banker, Citigroup ranked first with tier-one capital of 59 billion, total assets of about109.7 billion and profit of about152.8 billion, and its profit level accounted for 2.522% of the total profits of 1000 banks. According to the latest annual report of Citigroup, in 2003, its Tier 1 capital reached 66.9 billion, its total assets reached 654.38+026.4 billion, and its profit was about 654.38+07.85 billion US dollars, increasing by 6543.8+03.4%, 6543.8+05.2% and 654.38+06.8% respectively over the previous year.
In the past 10 years, the compound annual growth of Citigroup's share price, profitability and income all reached double digits, and the profit growth was higher than the income growth. What surprised peers in particular was that in a series of major events such as 1998 Asian financial crisis, 200 1 Argentina financial crisis and the war on terrorism, the overall profitability of 1000 big banks decreased by 14.9% and 29.7% respectively, but Citigroup still achieved 3% and 29.7%.
Citigroup is recognized as one of the most successful financial services groups in the world, not only because it continues to occupy the leading position among the enterprises with the highest profit and growth rate in the global financial services industry, but also because it is the most global financial services chain company in the world. Citigroup serves more than 200 million customers in more than 65,438+000 countries. Every customer can get all-round financial services such as savings, credit, securities, insurance, trust, fund, financial consultation and asset management at any of Citigroup's business outlets. The average number of products per customer ranks first among peers in the world, so Citigroup's customer relationship service network is a valuable resource for Citigroup. Sandy Weil once proudly said: "This network is our only real competitive advantage. No matter where you go in the world, you may find a Citibank institution to serve you. "