Citigroup Inc. provided earnings guidance for 2015. Looking ahead to 2015, the company remains committed to delivering on its financial targets, including a mid-50s efficiency ratio in Citicorp and a return on assets of at least 90 basis points for Citigroup. The company believed these targets can be delivered through a combination of modest revenue growth in its core business, maintaining expense discipline to offset higher regulatory and compliance costs and realizing the cost savings from the actions took in 2014.

The company expected average assets to decline going into 2015, though foreign exchange rates may influence the balance.