In offices outside North America — NCL ratio
Citigroup In offices outside North America — NCL ratio increased by 9.4% to 7.0% in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 17.4%, from 6.0% to 7.0%. Over 3 years (FY 2022 to FY 2025), In offices outside North America — NCL ratio shows an upward trend with a 23.9% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
How to read this metric
A lower ratio indicates effective credit risk management and high-quality lending, while a higher ratio indicates significant credit losses.
Detailed definition
This metric represents the Net Charge-Off (NCL) ratio for the international segment, calculated as the value of loans wr...
Peer comparison
A standard industry metric for evaluating credit loss experience across different geographic regions.
c_segment_in_offices_outside_north_america_ncl_ratioHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | 5.1% | 4% | 3.1% | 3.2% | 3.1% | 3.2% | 3.2% | 3.8% | 4% | 4.4% | 5.9% | 5% | 4.7% | 4.7% | 4.9% | 6% | 5.8% | 6% | 6.4% | 7% |
| QoQ Change | — | -21.6% | -23.3% | +5.6% | -4.6% | +4.5% | -1.2% | +19.5% | +4.7% | +9.3% | +34.9% | -14.3% | -6.6% | -0.4% | +4.9% | +21.4% | -2.2% | +2.6% | +7.0% | +9.4% |
| YoY Change | — | — | — | — | -39.5% | -19.3% | +3.9% | +17.6% | +29.2% | +35.1% | +84.6% | +32.4% | +18.1% | +7.6% | -16.4% | +18.5% | +24.0% | +27.8% | +30.3% | +17.4% |
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Frequently Asked Questions
- What is Citigroup's in offices outside north america — ncl ratio?
- Citigroup (C) reported in offices outside north america — ncl ratio of 7.0% in Q1 2026.
- How has Citigroup's in offices outside north america — ncl ratio changed year-over-year?
- Citigroup's in offices outside north america — ncl ratio increased by 17.4% year-over-year, from 6.0% to 7.0%.
- What is the long-term trend for Citigroup's in offices outside north america — ncl ratio?
- Over 3 years (2022 to 2025), Citigroup's in offices outside north america — ncl ratio has grown at a 23.9% compound annual growth rate (CAGR), from 12.7% to 24.2%.
- What does in offices outside north america — ncl ratio mean?
- The percentage of international loans that the bank has written off as uncollectible.