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我来说说CITI GROUP

金融业目前的REVENUE由于资产管理收入下降，加上房地产业还未恢复过来，
加上联邦对银行处理FORECLOSURE的法律程序问题提出诉讼，可能会付大量的罚金。
今年上半年业绩会大幅度下跌,下周一出业绩，一定是MISS EXPECTATION.

但长线看好，公司已将大量不良资产转让出去。
2011、2012年业绩会由于损失减少，收入增加加上去年计提的损失，会有不错的表现。
根据Morgan Stanley 预测2012 年收入将达0.49股。P/E 将小于9

结论：短线看空，长线看多。
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