Form 8-K

8-K — CITIGROUP INC

Accession: 0001104659-26-042942

Filed: 2026-04-14

Period: 2026-04-14

CIK: 0000831001

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — c-20260414x8k.htm (Primary)

EX-99.1 (c-20260414xex99d1.htm)

EX-99.2 (c-20260414xex99d2.htm)

EX-99.3 (c-20260414xex99d3.htm)

GRAPHIC (c-20260414xex99d1001.jpg)

GRAPHIC (c-20260414xex99d1002.jpg)

GRAPHIC (c-20260414xex99d2001.jpg)

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8-K

8-K (Primary)

Filename: c-20260414x8k.htm · Sequence: 1

Citigroup Inc._April 14, 2026

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) April 14, 2026

Citigroup Inc.

(Exact name of registrant as specified in its charter)

Delaware

1-9924

52-1568099

(State or other jurisdiction

of incorporation)

(Commission

File Number)

(IRS Employer

Identification No.)

388 Greenwich Street, New York,

(Address of principal executive offices)

10013

(Zip Code)

(212) 559-1000

(Registrant's telephone number,

including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934 formatted in Inline XBRL: See Exhibit 99.3

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

CITIGROUP INC.

Current Report on Form 8-K

Item 2.02 Results of Operations and Financial Condition.

On April 14, 2026, Citigroup Inc. announced its results for the quarter ended March 31, 2026. A copy of the related press release, filed as Exhibit 99.1 to this Form 8-K, is incorporated herein by reference. The quotation under the heading “CEO Commentary” on page 1 of Exhibit 99.1 shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (Act) or otherwise subject to the liabilities under that Section. The information included in Exhibit 99.1, other than in the quotation, shall be deemed “filed” for purposes of the Act.

In addition, a copy of the Citigroup Inc. Quarterly Financial Data Supplement for the quarter ended March 31, 2026 is being furnished as Exhibit 99.2 to this Form 8-K and shall not be deemed to be “filed” for purposes of Section 18 of the Act or otherwise subject to the liabilities of that section.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit Number

99.1

Citigroup Inc. press release dated April 14, 2026.

99.2

Citigroup Inc. Quarterly Financial Data Supplement for the quarter ended March 31, 2026.

99.3

Citigroup Inc. securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934 as of the filing date.

104.1

See the cover page of this Current Report on Form 8-K, formatted in Inline XBRL.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CITIGROUP INC.

Dated: April 14, 2026

By:

/s/ Nicole Giles

Nicole Giles

Controller and Chief Accounting Officer

(Principal Accounting Officer)

EX-99.1

Filename: c-20260414xex99d1.htm · Sequence: 2

Exhibit 99.1

For Immediate Release

Citigroup Inc. (NYSE: C)

APRIL 14, 2026

FIRST QUARTER 2026 RESULTS AND KEY METRICS

CHAIR AND CEO

COMMENTARY

Citi Chair and CEO Jane Fraser said, “We’re off to an exceptionally strong start in 2026, with revenue up 14% and net income growing 42%. Services had an outstanding quarter with revenue up 17% and Markets crossed $7 billion in revenue. Banking continued to build momentum with fees up 12% amid a record first quarter in M&A. Wealth saw revenue grow 11% and continued to improve its returns and U.S. Consumer Cards saw 4% revenue growth and returns of nearly 20%. Our diversified business model continues to drive consistent revenue growth and we remain a source of financial strength and trust for our clients during uncertain times.

“We’ve entered into the final phase of our divestitures and 90% of our Transformation programs are now at or near our target state. We demonstrated our commitment to returning capital by repurchasing $6.3 billion shares during the quarter.

“We remain very much on track to deliver the 10-11% RoTCE target this year. I’m excited for next month’s Investor Day where we’ll discuss our path forward and how we will realize the significant upside Citi offers,” Ms. Fraser concluded.

RETURNED ~$7.4 BILLION IN THE FORM OF COMMON SHARE REPURCHASES AND COMMON DIVIDENDS

PAYOUT RATIO OF 134%(3)

COMMON EQUITY TIER 1 CAPITAL RATIO OF 12.7%(4)

BOOK VALUE PER SHARE OF $112.22

TANGIBLE BOOK VALUE PER SHARE OF $99.01(5)

New York, April 14, 2026 – Citigroup Inc. today reported net income for the first quarter 2026 of $5.8 billion, or $3.06 per diluted share, on revenues of $24.6 billion. This compares to net income of $4.1 billion, or $1.96 per diluted share, on revenues of $21.6 billion for the first quarter 2025.

Revenues increased 14%(6) from the prior-year period, driven by growth in each of Citi’s five interconnected businesses(7) and Legacy Franchises in All Other, as well as the impact of foreign exchange translation, partially offset by a decline in Corporate/Other, also in All Other.

Net income was $5.8 billion, compared to $4.1 billion in the prior-year period, driven by higher revenues and a lower effective tax rate, partially offset by higher expenses and a higher provision for credit losses.

Earnings per share of $3.06 increased from $1.96 per diluted share in the prior-year period, reflecting higher net income and a lower share count due to share repurchases.

Percentage comparisons throughout this press release are calculated for the first quarter 2026 versus the first quarter 2025, unless otherwise specified.

First Quarter Financial Results

Citigroup

($ in millions, except per share amounts and as otherwise noted)

1Q’26

4Q’25

1Q’25

QoQ%

YoY%

Total revenues, net of interest expense

24,633

19,871

21,596

24%

14%

Total operating expenses

14,311

13,840

13,425

Net credit losses

2,208

2,190

2,459

(10)%

Net ACL build / (release)(a)

581

210

177%

Other provisions(b)

129%

(70)%

Total provision for credit losses

2,805

2,220

2,723

26%

Income (loss) from continuing operations before taxes

7,517

3,811

5,448

97%

38%

Provision for income taxes

1,578

1,288

1,340

23%

18%

Income (loss) from continuing operations

5,939

2,523

4,108

135%

45%

Income (loss) from discontinued operations, net of taxes

(1)

Net income attributable to non-controlling interest

153

200%

256%

Citigroup’s net income (loss)

5,785

2,471

4,064

134%

42%

EOP loans ($B)

762

752

702

Average loans ($B)

755

737

691

EOP assets ($B)

2,778

2,657

2,572

EOP deposits ($B)

1,446

1,404

1,316

10%

Average deposits ($B)

1,446

1,422

1,305

11%

Book value per share

112.22

110.01

103.90

Tangible book value per share(c)

99.01

97.06

91.52

Common Equity Tier 1 (CET1) Capital ratio(d)

12.7%

13.2%

13.4%

Supplementary Leverage ratio (SLR)(d)

5.2%

5.5%

5.8%

Return on average common equity (ROE)(e)

11.5%

4.5%

8.0%

Return on average tangible common equity (RoTCE)(f)

13.1%

5.1%

9.1%

800 bps

400 bps

Efficiency Ratio (total operating expenses/total revenues, net)

58.1%

69.6%

62.2%

(1,150) bps

(410) bps

(a) Includes credit reserve build / (release) for loans and provision / (release) for credit losses on unfunded lending commitments.

(b) Includes provisions on Other Assets, policyholder benefits and claims and HTM debt securities.

(d) Ratios as of March 31, 2026 are preliminary. For additional information, please refer to footnote 4.

(e) Ratios as of March 31, 2026 are preliminary. For additional information, please refer to footnote 1.

(f) Ratios as of March 31, 2026 are preliminary. RoTCE is a non-GAAP financial measure. For additional information, please refer to foonote 2.

Citigroup

Citigroup revenues of $24.6 billion in the first quarter 2026 increased 14%, driven by growth in each of Citi’s five interconnected businesses(7) and Legacy Franchises, as well as the impact of foreign exchange translation, partially offset by a decline in Corporate/Other. Net interest income increased 12%, driven by growth across each of Citi’s five businesses and Legacy Franchises, partially offset by a decline in Corporate/Other. Non-interest revenue increased 17%, driven by growth across each of Citi’s five businesses and All Other.

Citigroup operating expenses of $14.3 billion were up 7%(6), driven by higher compensation and benefits expenses, including higher severance, the impact of foreign exchange translation, and higher volume and other revenue-related expenses, partially offset by productivity savings, lower legal expenses, stranded cost reductions and lower transformation expenses in Corporate/Other.

Citigroup provision for credit losses was $2.8 billion, reflecting $2.2 billion of net credit losses and a net allowance for credit losses (ACL) build of $597 million, driven by portfolio quality, including seasonal mix changes, as well as increased uncertainty in the macroeconomic outlook, partially offset by refinements to loss assumptions and lower net lending activity. Net credit losses were down 10% from the prior-year period, driven by decreases in USCC and Markets, partially offset by an increase in Legacy Franchises. The provision in the prior-year period was $2.7 billion, reflecting $2.5 billion of net credit losses and a net ACL build of $264 million, driven by increased uncertainty in the macroeconomic outlook and portfolio quality, largely offset by lower net lending activity.

Citigroup net income was $5.8 billion in the first quarter 2026, compared to net income of $4.1 billion in the prior-year period, driven by higher revenues and a lower effective tax rate, partially offset by higher expenses and a higher provision for credit losses. Citigroup’s effective tax rate was approximately 21% in the current quarter compared to 25% in the first quarter 2025, largely driven by a discrete item in the current quarter.

Citigroup’s total allowance for credit losses was $22.0 billion at quarter end, compared to $22.8 billion at the end of the prior-year period. Total ACL on loans was $19.6 billion at quarter end, compared to $18.7 billion at the end of the prior-year period, with a reserve-to-funded loans ratio of 2.6%, down from 2.7% in the prior-year period. Total non-accrual loans increased $0.7 billion, or 25% from the prior-year period to $3.4 billion. Corporate non-accrual loans increased $0.6 billion, or 42% from the prior-year period to $2.0 billion, driven by idiosyncratic downgrades in Banking and Services, partially offset by upgrades and repayments in Markets. Consumer non-accrual loans increased $0.1 billion, or 6% from the prior-year period to $1.4 billion.

Citigroup’s end-of-period loans were $762 billion at quarter end, up 8% versus the prior-year period, primarily driven by higher loans in Markets and Wealth. Citigroup’s average loans were $755 billion in the first quarter 2026, up 9% versus the prior-year period, primarily driven by higher average loans in Markets, Services and Wealth.

Citigroup’s end-of-period deposits were approximately $1.4 trillion at quarter end, up 10% versus the prior-year period, driven by increases in Services. Citigroup’s average deposits were approximately $1.4 trillion in the first quarter 2026, up 11% versus the prior-year period, driven by higher average deposits in Services.

Citigroup’s book value per share of $112.22 at quarter end increased 8% versus the prior-year period, and tangible book value per share of $99.01 at quarter end also increased 8% versus the prior-year period. The increases were driven by net income and beneficial net movements in accumulated other comprehensive income (AOCI), partially offset by the payment of common and preferred dividends and reductions in additional paid-in capital (APIC). In addition, common share repurchases were dilutive to tangible book value per share and book value per share. At quarter end, Citigroup’s preliminary CET1 Capital ratio(4) was 12.7% versus 13.2% at the end of the prior quarter, primarily driven by common share repurchases, the payment of common and preferred dividends and higher risk-weighted assets, primarily offset by net income and the impact of Citi’s sale of AO Citibank in Russia, mainly in currency translation adjustment in AOCI. Citigroup’s Supplementary Leverage ratio(4) for the first quarter 2026 was 5.2% versus 5.5% at the end of the prior quarter. During the quarter, Citigroup returned approximately $7.4 billion to common shareholders in the form of share repurchases and dividends.

Services

($ in millions, except as otherwise noted)

1Q’26

4Q’25

1Q’25

QoQ%

YoY%

Net interest income

3,424

3,303

2,865

20%

Non-interest revenue

1,192

1,182

1,064

12%

Treasury and Trade Solutions

4,616

4,485

3,929

17%

Net interest income

719

747

633

(4)%

14%

Non-interest revenue

768

1,040

642

(26)%

20%

Securities Services

1,487

1,787

1,275

(17)%

17%

Total Services revenues

6,103

6,272

5,204

(3)%

17%

Total operating expenses

2,935

2,843

2,584

14%

Net credit losses

(84)%

(50)%

Net ACL build / (release)(a)

(15)

378%

Other provisions(b)

(15)

(81)%

Total provision for credit losses

(11)

84%

Net income

2,228

2,496

1,834

(11)%

21%

Services Key Statistics and Metrics ($B)

Allocated Average TCE(c)

RoTCE(c)

27.0%

30.0%

22.5%

(300) bps

450 bps

Fee revenue ($MM)

1,672

1,630

1,473

14%

Average loans

14%

Average deposits

961

935

826

16%

Cross border transaction value(d)

106

115

(8)%

12%

US dollar clearing volume (#MM)(e)

(3)%

Commercial card spend volume(f)

Assets under custody and/or administration (AUC/AUA) ($T)(g)

21%

(a) Includes credit reserve build / (release) for loans and provision / (release) for credit losses on unfunded lending commitments.

(b) Includes provisions on Other Assets and for HTM debt securities.

(d) Cross border transaction value is defined as the total value of cross-border foreign exchange payments processed through Citi’s proprietary Worldlink and Cross Border Funds Transfer platforms, including payments from consumer, corporate, financial institution and public sector clients.

(e) U.S. dollar clearing volume is defined as the number of USD clearing payment instructions processed by Citi on behalf of U.S. and foreign-domiciled entities (primarily financial institutions). Amounts in the table are stated in millions of payment instructions processed.

(f) Commercial Card Spend Volume is defined as total global spend volumes using Citi issued commercial cards net of refunds and returns.

(g) 1Q26 is preliminary.

Services(7)

Services revenues of $6.1 billion were up 17%, driven by growth in Treasury and Trade Solutions and Securities Services. Net interest income increased 18%, driven by an increase in average deposit balances and deposit spreads. Non-interest revenue increased 15%(6), primarily driven by fee revenue growth of 14%.

Treasury and Trade Solutions revenues of $4.6 billion were up 17%, driven by a 20% increase in net interest income and a 12% increase in non-interest revenue. The increase in net interest income was driven by higher average deposit balances and deposit spreads. The increase in non-interest revenue was largely driven by growth in fees and underlying fee drivers, including an increase in cross-border transaction value of 12%, an increase in U.S. dollar clearing volume of 3% and an increase in commercial card spend volume of 8%.

Securities Services revenues of $1.5 billion were up 17%, driven by a 20%(6) increase in non-interest revenue and a 14% increase in net interest income. The increase in non-interest revenue was primarily driven by higher fees, which benefited from a 21% increase in assets under custody and administration. The increase in net interest income was largely driven by higher average deposit balances and deposit spreads.

Services operating expenses of $2.9 billion increased 14%, primarily driven by higher volume and other revenue-related expenses, higher compensation and benefits and higher technology costs.

Services provision for credit losses was $94 million, reflecting a net ACL build of $91 million, driven by increased uncertainty in the macroeconomic outlook and changes in credit quality on certain exposures, partially offset by refinements to loss assumptions, and $3 million of net credit losses. The provision in the prior-year period was $51 million, reflecting a net ACL build of $45 million, driven by increased uncertainty in the macroeconomic outlook and transfer risk, and $6 million of net credit losses.

Services net income of $2.2 billion increased 21%, driven by higher revenues, partially offset by higher expenses and a higher provision for credit losses.

Markets

($ in millions, except as otherwise noted)

1Q’26

4Q’25

1Q’25

QoQ%

YoY%

Rates and currencies

3,311

2,449

3,116

35%

Spread products / other fixed income

1,855

1,105

1,462

68%

27%

Fixed Income markets

5,166

3,554

4,578

45%

13%

Equity markets

2,080

1,055

1,497

97%

39%

Total Markets revenues

7,246

4,609

6,075

57%

19%

Total operating expenses

3,835

3,608

3,466

11%

Net credit losses

(3)

(12)

142

75%

Net ACL build / (release)(a)

(80)

100%

(100)%

Other provisions(b)

(12)

Total provision for credit losses

(15)

(104)

201

86%

Net income

2,595

838

1,849

210%

40%

Markets Key Statistics and Metrics ($B)

Allocated Average TCE(c)

RoTCE(c)

18.7%

6.2%

14.0%

1,250 bps

470 bps

Average trading account assets

573

556

474

21%

Average loans

162

152

128

27%

Average VaR ($ in MM)(d)

127

109

118

17%

(a) Includes credit reserve build / (release) for loans and provision / (release) for credit losses on unfunded lending commitments.

(b) Includes provisions on Other Assets and HTM debt securities.

(d) VaR estimates, at a 99% confidence level, the potential decline in the value of a position or a portfolio under normal market conditions assuming a one-day holding period. VaR statistics, which are based on historical data, can be materially different across firms due to differences in portfolio composition, VaR methodologies and model parameters.

Markets(7)

Markets revenues of $7.2 billion increased 19%, driven by growth in Fixed Income markets and Equity markets revenues.

Fixed Income markets revenues of $5.2 billion increased 13%, driven by growth in both rates and currencies and spread products and other fixed income. Rates and currencies revenues increased 6%, driven by revenue growth in the foreign exchange business on higher volumes and optimization of the balance sheet, largely offset by lower revenue in rates on elevated volatility. Spread products and other fixed income revenues increased 27%, primarily driven by strong performance in commodities.

Equity markets revenues of $2.1 billion increased 39%, driven by growth in derivatives, prime services and cash equities. Prime balances(8) grew to a record and were up more than 50%.

Markets operating expenses of $3.8 billion increased 11%, primarily driven by higher performance-related compensation, higher volume-related expenses and higher legal expenses.

Markets provision for credit losses was a benefit of $15 million, reflecting a net ACL release of $12 million, driven by refinements to loss assumptions, primarily offset by increased uncertainty in the macroeconomic outlook, and $3 million of net credit recoveries. The provision in the prior-year period was $201 million, reflecting $142 million of net credit losses in spread products and a net ACL build of $59 million, driven by increased uncertainty in the macroeconomic outlook.

Markets net income of $2.6 billion increased 40%, driven by higher revenues and a lower provision for credit losses, partially offset by higher expenses.

Banking

($ in millions, except as otherwise noted)

1Q’26

4Q’25

1Q’25

QoQ%

YoY%

Investment Banking

1,326

1,356

1,114

(2)%

19%

Corporate Lending(a)

391

443

402

(12)%

(3)%

Total Banking revenues(a)

1,717

1,799

1,516

(5)%

13%

Gain / (loss) on loan hedges(a)

(26)

257%

Total Banking revenues including gain/(loss) on loan hedges(a)

1,767

1,773

1,530

15%

Total operating expenses

1,240

1,152

1,034

20%

Net credit losses

(76)%

(82)%

Net ACL build / (release)(b)

124

150

185

(17)%

(33)%

Other provisions(c)

(5)

100%

Total provision for credit losses

132

176

214

(25)%

(38)%

Net income

304

354

223

(14)%

36%

Banking Key Statistics and Metrics

Allocated Average TCE(d) ($B)

(15)%

RoTCE(d)

15.8%

15.3%

9.8%

50 bps

600 bps

Average loans ($B)

Advisory

505

649

424

(22)%

19%

Equity underwriting

208

180

127

16%

64%

Debt underwriting

519

458

553

13%

(6)%

Investment Banking fees

1,232

1,287

1,104

(4)%

12%

(a) Excludes gain / (loss) on credit derivatives as well as the mark-to-market on loans at fair value. For additional information, see Footnote 9.

(b) Includes credit reserve build / (release) for loans and provision for credit losses on unfunded lending commitments.

(d) TCE and RoTCE are non-GAAP financial measures. For additional information, refer to Footnote 2.

Banking(7)

Banking revenues of $1.8 billion increased 15%, driven by growth in Investment Banking.

Investment Banking revenues of $1.3 billion increased 19%, driven by increases in Investment Banking fees of 12% and net interest income. The increase in Investment Banking fees reflects growth in Advisory and Equity Capital Markets (ECM), partially offset by a decline in Debt Capital Markets (DCM). Advisory fees increased 19%, reflecting continued growth in sell-side fees and strong performance with sponsors. ECM fees increased 64%, driven by growth in follow-ons and convertibles. DCM fees decreased 6%, driven by lower non-investment grade activity.

Corporate Lending revenues of $391 million, excluding mark-to-market on loan hedges(9), decreased 3%, driven by marks on certain assets, primarily offset by higher loan spreads.

Banking operating expenses of $1.2 billion increased 20%, primarily driven by higher compensation and benefits, including performance-based compensation and investments in the business, and higher volume and other revenue-related expenses.

Banking provision for credit losses was $132 million, reflecting a net ACL build of $126 million, driven by increased uncertainty in the macroeconomic outlook and exposure growth, largely offset by refinements to loss assumptions, and $6 million of net credit losses. The provision in the prior-year period was $214 million, reflecting a net ACL build of $180 million, driven by increased uncertainty in the macroeconomic outlook, and $34 million of net credit losses.

Banking net income of $304 million increased 36%, driven by higher revenues and a lower provision for credit losses, largely offset by higher expenses.

Wealth

($ in millions, except as otherwise noted)

1Q’26

4Q’25

1Q’25

QoQ%

YoY%

Citigold and Retail Banking

2,062

2,010

1,825

13%

Private Bank

757

625

664

21%

14%

Wealth at Work

246

227

268

(8)%

Total revenues, net of interest expense

3,065

2,862

2,757

11%

Total operating expenses

2,415

2,377

2,390

Net credit losses

10%

31%

Net ACL build / (release)(a)

86%

(79)%

Other provisions(b)

(4)

100%

Total provision for credit losses

101

126

16%

(20)%

Net income

432

299

191

44%

126%

Wealth Key Statistics and Metrics ($B)

Allocated Average TCE(c)

RoTCE(c)

10.8%

7.7%

5.0%

310 bps

580 bps

Loans

205

204

196

Deposits

418

413

401

Client investment assets(d)

676

670

595

14%

EOP client balances

1,299

1,287

1,192

Net New Investment Assets (NNIA)(e)

104%

(11)%

(a) Includes credit reserve build / (release) for loans and provision / (release) for credit losses on unfunded lending commitments.

(b) Includes provisions on Other Assets and policyholder benefits and claims.

(d) 1Q26 Client investment assets are preliminary. Includes assets under management, trust and custody assets. Starting in 1Q’26, Client investment assets includes an additional $10B associated with the value of client insurance policies that were not previously reported.

(e) 1Q26 Net new investment assets are preliminary. Represents investment asset inflows, including dividends, interest and distributions, less investment asset outflows.

Wealth(7)

Wealth revenues of $3.1 billion increased 11%, driven by growth in Citigold and Retail Banking and the Private Bank, partially offset by lower revenues in Wealth at Work. Net interest income of $2.1 billion increased 14%, driven by higher deposit spreads and average deposit balances, partially offset by lower mortgage spreads. Non-interest revenue of $970 million increased 5%, driven by higher investment fee revenues, with client investment assets up 14%, partially offset by the loss of fee revenue from the 2025 sale of the trust business.

Citigold and Retail Banking revenues of $2.1 billion increased 13%, driven by higher deposit spreads and higher investment fee revenues.

Private Bank revenues of $757 million increased 14%, driven by higher deposit spreads and average deposit balances and higher investment fee revenues, largely offset by lower mortgage spreads and the loss of fee revenue from the 2025 sale of the trust business.

Wealth at Work revenues of $246 million decreased 8%, driven by lower mortgage spreads, largely offset by higher deposit spreads and average deposit balances.

Wealth operating expenses of $2.4 billion increased 1%, driven by investments in technology and higher volume-related expenses, partially offset by lower compensation and benefits, including the impact from the 2025 sale of the trust business.

Wealth provision for credit losses was $101 million, reflecting $88 million of net credit losses, primarily driven by overdraft losses and international credit cards, and a net ACL build of $13 million. The provision in the prior-year period was $126 million, reflecting $67 million of net credit losses and a net ACL build of $59 million, driven by increased uncertainty in the macroeconomic outlook.

Wealth net income of $432 million increased 126%, driven by higher revenues and a lower provision for credit losses, partially offset by higher expenses.

USCC

($ in millions, except as otherwise noted)

1Q’26

4Q’25

1Q’25

QoQ%

YoY%

Net interest income

5,116

5,143

4,984

(1)%

Non-interest revenue

(359)

(579)

(417)

38%

14%

Total revenues, net of interest expense

4,757

4,564

4,567

Total operating expenses

1,711

1,794

1,691

(5)%

Net credit losses

1,742

1,739

1,954

(11)%

Net ACL build / (release)(a)

348

(117)

(174)

Other provisions(b)

(33)%

Total provision for credit losses

2,092

1,624

1,783

29%

17%

Net income

732

884

838

(17)%

(13)%

USCC Key Statistics and Metrics ($B)

Allocated average TCE(c)

(24)%

RoTCE(c)

19.2%

17.3%

16.7%

190 bps

250 bps

Average loans

171

172

168

(1)%

U.S. credit card spend volume

152

166

144

(9)%

New credit cards account acquisitions (in thousands)(d)

2,942

3,687

2,840

(20)%

(a) Includes credit reserve build / (release) for loans.

(b) Includes provisions on policyholder benefits and claims and Other Assets.

(d) New Credit Cards account acquisitions represent the number of new credit card accounts opened.

U.S. Consumer Cards (USCC)(7)

USCC revenues of $4.8 billion increased 4%, driven by growth in net interest income and non-interest revenue. Net interest income increased 3%, driven by higher interest-earning balances and higher loan spreads. Non-interest revenue increased 14%, driven by higher interchange fees, lower partner payment accruals and higher annual credit card fees, largely offset by higher rewards and acquisition costs.

USCC operating expenses of $1.7 billion increased 1%, driven by higher volume and other revenue-related expenses and higher compensation and benefits, primarily offset by lower legal expenses.

USCC provision for credit losses was $2.1 billion, reflecting $1.7 billion of net credit losses and a net ACL build of $350 million, driven by seasonal portfolio mix changes, the forward purchase commitment of the Barclays American Airlines co-branded card portfolio, as well as increased uncertainty in the macroeconomic outlook. This was largely offset by lower seasonal volumes and refinements to loss assumptions. Net credit losses were down 11% from the prior-year period, driven by improved credit performance in both general purpose and private label credit cards. The provision in the prior-year period was $1.8 billion, reflecting $2.0 billion of net credit losses and a net ACL release of $171 million, driven by lower net lending activity, largely offset by portfolio quality and increased uncertainty in the macroeconomic outlook.

USCC net income of $732 million decreased 13%, driven by a higher provision for credit losses and higher expenses, largely offset by higher revenues.

All Other (Managed Basis)(a)(b)

($ in millions, except as otherwise noted)

1Q’26

4Q’25

1Q’25

QoQ%

YoY%

Legacy Franchises (managed basis)

2,161

329

1,621

33%

Corporate / Other

(479)

(537)

(158)

11%

(203)%

Total revenues

1,682

(208)

1,463

15%

Total operating expenses

2,144

2,026

2,226

(4)%

Net credit losses

371

341

256

45%

Net ACL build / (release)(c)

(87)%

(86)%

Other provisions(d)

(39)%

Total provision for credit losses

400

449

359

(11)%

11%

Net (loss)

(494)

(2,290)

(856)

78%

42%

All Other Key Statistics and Metrics ($B)

Allocated Average TCE(e)

(a) Includes Legacy Franchises and certain unallocated costs of global staff functions (including finance, risk, human resources, legal and compliance-related costs), other corporate expenses, and unallocated global operations and technology expenses and income taxes, as well as Corporate Treasury investment activities and discontinued operations.

(b) Reflects results on a managed basis, which excludes divestiture-related impacts related to Citi’s divestitures of its Asia consumer banking businesses and Mexico Consumer/SBMM within Legacy Franchises. For additional information, please refer to Footnote 10.

(c) Includes credit reserve build / (release) for loans and provision / (release) for credit losses on unfunded lending commitments.

(d) Includes provisions on policyholder benefits and claims, Other Assets and HTM debt securities.

(e) TCE is a non-GAAP financial measure. For additional information, refer to Footnote 2.

All Other (Managed Basis)(7)(10)

All Other (managed basis) revenues of $1.7 billion increased 15%, driven by growth in Legacy Franchises, largely offset by a decline in Corporate/Other.

Legacy Franchises (managed basis)(10) revenues of $2.2 billion increased 33%, driven by growth in Mexico, including the impact of foreign exchange translation, and a gain on the sale of an investment, partially offset by lower revenues in closed exit and wind-down markets.

Corporate/Other revenues of $(479) million decreased from $(158) million in the prior-year period, driven by lower net interest income due to a lower benefit from cash and securities reinvestment, due to actions taken over the last few quarters to reduce Citi’s asset sensitivity in a declining interest rate environment, partially offset by higher non-interest revenues.

All Other (managed basis) expenses of $2.1 billion decreased 4%, driven by lower legal expenses, lower transformation expenses, lower expenses related to closed exits and wind-downs and lower professional services expenses, primarily offset by higher severance and the impact of foreign exchange translation.

All Other (managed basis) provision for credit losses was $400 million, reflecting $371 million of net credit losses and a net ACL build of $29 million. Net credit losses were up 45% from the prior-year period, driven by higher consumer volume and portfolio seasoning in Mexico Consumer. The provision in the prior-year period was $359 million, reflecting $256 million of net credit losses and a net ACL build of $103 million, primarily driven by increased uncertainty in the macroeconomic outlook and higher volume in Mexico Consumer.

All Other (managed basis) net loss was $(494) million, compared to $(856) million in the prior-year period, driven by higher revenues and lower expenses, partially offset by a higher provision for credit losses.

Citigroup will host a conference call today at 11:00 AM (ET). A live webcast of the presentation, as well as financial results and presentation materials, will be available at https://www.citigroup.com/global/investors. The live webcast of the presentation can also be accessed at https://www.veracast.com/webcasts/citigroup/webinars/CITI1Q26.cfm

Additional financial, statistical and business-related information, as well as business and segment trends, is included in a Quarterly Financial Data Supplement. Both this earnings release and Citigroup’s First Quarter 2026 Quarterly Financial Data Supplement are available on Citigroup’s website at www.citigroup.com.

Citi is a preeminent banking partner for institutions with cross-border needs, a global leader in wealth management and a valued personal bank in its home market of the United States. Citi does business in more than 180 countries and jurisdictions, providing corporations, governments, investors, institutions and individuals with a broad range of financial products and services.

Certain statements in this release are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on management’s current expectations and are subject to uncertainty and changes in circumstances. These statements are not guarantees of future results or occurrences. Actual results and capital and other financial condition may differ materially from those included in these statements due to a variety of factors. These factors include, among others: (i) macroeconomic, geopolitical and other challenges and uncertainties, including impacts related to the conflict in the Middle East and resulting disruptions to energy and other commodities markets and supply chains; elevated inflation, slowing economic growth and increases in unemployment rates; changes in U.S. laws or policies, including those related to interest rates; (ii) the execution and efficacy of Citi’s priorities regarding its simplification, transformation and enhanced business performance, including those related to revenues, net interest income, expenses, capital-related, credit and return expectations; and (iii) the precautionary statements included in this release. These factors also consist of those contained in Citigroup’s filings with the U.S. Securities and Exchange Commission, including without limitation the “Risk Factors” section of Citigroup’s 2025 Form 10-K. Any forward-looking statements made by or on behalf of Citigroup speak only as to the date they are made, and Citi does not undertake to update forward-looking statements to reflect the impact of circumstances or events that arise after the date the forward-looking statements were made.

Contacts:

Investors: Jennifer Landis (jennifer.am.landis@citi.com)

Press: Danielle Romero-Apsilos (danielle.romeroapsilos@citi.com)

(1) Ratios as of March 31, 2026 are preliminary. Citigroup’s return on average common stockholders’ equity (ROE) is calculated using net income less preferred stock dividends divided by average common stockholders’ equity.

(2) Ratios as of March 31, 2026 are preliminary. Citigroup’s allocated average tangible common equity (TCE) and return on average tangible common equity (RoTCE) are non-GAAP financial measures. RoTCE represents annualized net income available to common shareholders as a percentage of average TCE. For the components of these calculations and for a reconciliation of common equity to TCE, refer to the Citigroup Inc. Quarterly Financial Data Supplement for the quarter ended March 31, 2026 (the 1Q26 Financial Supplement), which is Exhibit 99.2 to Citigroup’s Current Report on Form 8-K furnished with the U.S. Securities and Exchange Commission on April 14, 2026.

As used herein, 2026 RoTCE is a forward-looking non-GAAP financial measure. From time to time, management may discuss forward-looking non-GAAP financial measures, such as forward-looking estimates or targets for revenue, expenses and RoTCE. Citi is unable to provide a reconciliation of forward-looking non-GAAP financial measures to their most directly comparable GAAP financial measures because Citi is unable to provide, without unreasonable effort, a meaningful or accurate calculation or estimation of amounts that would be necessary for the reconciliation due to the complexity and inherent difficulty in forecasting and quantifying future amounts or when they may occur. Such unavailable information could be significant for future results.

(3) Citigroup’s payout ratio is the sum of common dividends and common share repurchases divided by net income available to common shareholders.

(4) Ratios as of March 31, 2026 are preliminary. For the composition of Citigroup’s CET1 Capital and ratio and Citigroup’s Supplementary Leverage ratio, refer to the 1Q26 Financial Supplement.

(5) Citigroup’s tangible book value per share is a non-GAAP financial measure. For a reconciliation of common equity to tangible common equity and resulting calculation of tangible book value per share, refer to the 1Q26 Financial Supplement.

(6) Citi’s first quarter 2026 and 2025 results did not include any notable items. Accordingly, Citi is not adjusting its results for these periods.

(7) As previously noted in Citi’s Form 8-K furnished with the U.S. Securities and Exchange Commission on April 3, 2026, the following reporting changes were implemented in the first quarter 2026:

● Citi transferred its Retail Banking business from U.S. Personal Banking (USPB) to Wealth and integrated the remaining USPB businesses into a new U.S. Consumer Cards segment. As a result, the financial results, balance sheet, and tangible common equity (TCE) of the Retail Banking business are reported within the Wealth segment.

● Citi updated its TCE methodology across the Services, Markets, and Banking segments to better align capital usage with the shared economic benefits of corporate lending to clients across these segments. This update eliminated the corporate lending revenue sharing arrangement among the segments.

● Certain interest rate risk management activities within Markets were reclassified to Corporate/Other or reallocated among businesses within Markets. These changes impacted the results of the Markets segment and Corporate/Other.

Prior period results and TCE allocations for the segments referenced above were recast to reflect these reporting changes, while Citi’s consolidated results and TCE remained unchanged.

(8) Prime balances are defined as clients’ billable balances where Citigroup provides cash or synthetic prime brokerage services.

(9) Credit derivatives are used to economically hedge a portion of the Corporate Lending portfolio that includes both accrual loans and loans at fair value. Gain/(loss) on loan hedges includes the mark-to-market on the credit derivatives and the mark-to-market on the loans in the portfolio that are at fair value. The fixed premium costs of these hedges are netted against the Corporate Lending revenues to reflect the cost of credit protection. Citigroup’s results of operations excluding the impact of gain/(loss) on loan hedges are non-GAAP financial measures. For a reconciliation to reported results, refer to the 1Q26 Financial Supplement.

(10) All Other (managed basis) reflects results on a managed basis, which excludes divestiture-related impacts, for all periods, related to Citigroup’s divestitures of its Asia consumer banking businesses and Mexico Consumer/SBMM businesses within Legacy Franchises. Certain of the results of operations of All Other (managed basis) and Legacy Franchises (managed basis) that exclude divestiture-related impacts are non-GAAP financial measures. For additional information and a reconciliation of these results, refer to the 1Q26 Financial Supplement.

EX-99.2

Filename: c-20260414xex99d2.htm · Sequence: 3

Exhibit 99.2

CITIGROUP—QUARTERLY FINANCIAL DATA SUPPLEMENT

1Q26

Page

Note:

Citigroup

Financial Summary

See Citi’s 4Q25 Historical Financial Supplement furnished on Form 8-K (filed on April 3, 2026) for a description of and additional historical periods reflecting Citi’s first quarter of 2026 reporting changes. Prior period results and TCE allocations in this First Quarter 2026 Quarterly Financial Data Supplement for the impacted segments were recast to reflect these reporting changes, while Citi’s consolidated results and TCE remained unchanged.

Consolidated Statement of Income

Consolidated Balance Sheet

Segment Net Revenues and Income (Loss)

Services

Markets

Banking

Wealth

U.S. Consumer Cards (USCC)

Metrics

All Other

Legacy Franchises

Corporate/Other

Divestiture-Related Impacts—Reconciling Items

Citigroup Supplemental Detail

Average Balances and Interest Rates

EOP (End-of-Period) Loans

EOP Deposits

Allowance for Credit Losses (ACL) Rollforward

Allowance for Credit Losses on Loans (ACLL) and Unfunded Lending Commitments (ACLUC)

19 - 20

Non-Accrual Assets

Common Equity Tier 1 (CET1) Capital and Supplementary Leverage Ratios

Tangible Common Equity (TCE), Common Equity, Book Value per Share, Tangible Book Value Per Share (TBVPS) and Returns on Common Equity (RoCE) and Tangible Common Equity (RoTCE)

Reconciliations of Adjusted Results and FX Impact

FX Impact

Total Citigroup Revenues, Net Interest Income (NII) and Non-Interest Revenues (NIR), and Total Citigroup Operating Expenses

Notable Items Adjustments and All Other (Managed Basis)

All Other (Managed Basis), and Legacy Franchises (Managed Basis)

Services and Banking—Corporate Lending Revenues

Total Citigroup Revenues, Total Operating Expenses, RoCE and RoTCE

Legacy Franchises Exits Contribution

CITIGROUP FINANCIAL SUMMARY

(In millions of dollars, except per share amounts, ratios, bps, and as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Revenues, net of interest expense

21,596

21,668

22,090

19,871

24,633

24%

14%

Operating expenses

13,425

13,577

14,290

13,840

14,311

Net credit losses (NCLs)

2,459

2,234

2,214

2,190

2,208

(10%)

Credit reserve build (release) for loans

102

243

397

289%

Provision / (release) for unfunded lending commitments

108

(19)

100

184

70%

Provisions for benefits and claims, other assets and HTM debt securities

414

129%

(70%)

Provisions for credit losses and for benefits and claims

2,723

2,872

2,450

2,220

2,805

26%

Income (loss) from continuing operations before income taxes

5,448

5,219

5,350

3,811

7,517

97%

38%

Income taxes (benefits)

1,340

1,186

1,559

1,288

1,578

23%

18%

Income (loss) from continuing operations

4,108

4,033

3,791

2,523

5,939

135%

45%

Income (loss) from discontinued operations, net of taxes

(1)

Net income (loss) before noncontrolling interests

4,107

4,033

3,790

2,522

5,938

135%

45%

Net income (loss) attributable to noncontrolling interests

153

200%

256%

Citigroup’s net income (loss)

4,064

4,019

3,752

2,471

5,785

134%

42%

Diluted earnings per share:

Income (loss) from continuing operations

1.96

1.86

1.19

3.06

157%

56%

Net income (loss)

1.96

1.86

1.19

3.06

157%

56%

Preferred dividends

269

287

274

284

305

13%

Income allocated to unrestricted common shareholders—basic

Income (loss) from continuing operations (for EPS purposes)

3,752

3,683

3,439

2,150

5,426

152%

45%

Net income (loss) (for EPS purposes)

3,751

3,683

3,438

2,149

5,425

152%

45%

Income allocated to unrestricted common shareholders—diluted

Income (loss) from continuing operations (for EPS purposes)

3,769

3,702

3,459

2,170

5,443

151%

44%

Net income (loss) (for EPS purposes)

3,768

3,702

3,458

2,169

5,442

151%

44%

Shares(in millions):

Average basic

1,879.0

1,855.9

1,820.3

1,772.8

1,736.9

(2%)

(8%)

Average diluted

1,919.6

1,893.1

1,862.6

1,816.9

1,776.0

(2%)

(7%)

Common shares outstanding, at period end

1,867.7

1,840.9

1,789.3

1,747.5

1,705.6

(2%)

(9%)

Regulatory capital ratios and performance metrics:

Common Equity Tier 1 (CET1) Capital ratio(1)(2)

13.41%

13.48%

13.27%

13.18%

12.7%

Tier 1 Capital ratio(1)(3)

15.10%

14.98%

14.97%

13.65%

14.5%

Total Capital ratio(1)(4)

15.41%

15.28%

15.31%

15.66%

15.4%

Supplementary Leverage ratio (SLR)(1)(5)

5.79%

5.53%

5.52%

5.48%

5.2%

Return on average assets

0.65%

0.61%

0.55%

0.36%

0.83%

47 bps

18 bps

Return on average common equity(RoCE)

8.0%

7.7%

7.1%

4.5%

11.5%

700 bps

350 bps

Average tangible common equity (TCE) (in billions of dollars)(6)

169.3

172.1

172.3

170.4

169.2

(1%)

Return on tangible common equity(RoTCE)(6)

9.1%

8.7%

8.0%

5.1%

13.1%

800 bps

400 bps

Operating leverage(7)

759 bps

567 bps

59 bps

(381) bps

746 bps

1,127 bps

(13) bps

Efficiency ratio (total operating expenses/total revenues, net)

62.2%

62.7%

64.7%

69.6%

58.1%

(1,150) bps

(410) bps

Balance sheet data(in billions of dollars, except per share amounts)(1):

Total assets

2,571.5

2,622.8

2,642.5

2,657.2

2,777.7

Total average assets

2,517.1

2,647.8

2,688.8

2,722.5

2,816.8

12%

Total loans

702.1

725.3

733.9

752.2

761.6

Total deposits

1,316.4

1,357.7

1,383.9

1,403.6

1,446.2

10%

Citigroup’s stockholders’ equity

212.4

213.2

213.0

212.3

211.0

(1%)

Book value per share

103.90

106.94

108.41

110.01

112.22

Tangible book value per share(6)

91.52

94.16

95.72

97.06

99.01

Direct staff (in thousands)

229

230

227

226

224

(1%)

(2%)

(1)

March 31, 2026 is preliminary.

(2)

For March 31, 2026 and all prior periods presented, Citi’s binding CET1 Capital ratios were derived under the Standardized Approach. For the composition of Citi’s CET1 Capital and ratio, see page 22.

(3)

Citi’s binding Tier 1 Capital ratios were derived under the Advanced Approaches for December 31, 2025 and the Standardized Approach for all other periods presented, including March 31, 2026.

(4)

For March 31, 2026 and all prior periods presented, Citi’s binding Total Capital ratios were derived under the Advanced Approaches.

(5)

For the composition of Citi’s SLR, see page 22.

(6)

TCE, RoTCE and Tangible book value per share are non-GAAP financial measures. See page 23 for a reconciliation of Tangible book value per share and Citi’s average TCE to Citi’s total average stockholders’ equity.

(7)

Represents the year-over-year growth rate in basis points (bps) of total revenues, net of interest expense less the year-over-year growth rate of total operating expenses. Positive operating leverage indicates that the revenue growth rate was greater than the expense growth rate.

Note: Ratios and variance percentages are calculated based on the displayed amounts.

NM Not meaningful.

N/D Not disclosed.

Reclassified to conform to the current period’s presentation.

Page 1

CITIGROUP CONSOLIDATED STATEMENT OF INCOME

(In millions of dollars)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Revenues

Interest income (including dividends)

33,666

35,859

36,690

36,649

35,513

(3%)

Interest expense

19,654

20,684

21,750

20,984

19,772

(6%)

Net interest income (NII)

14,012

15,175

14,940

15,665

15,741

12%

Commissions and fees

2,707

2,745

2,888

2,829

3,272

16%

21%

Principal transactions

3,510

2,503

2,772

1,450

4,008

176%

14%

Administration and other fiduciary fees

1,045

1,123

1,117

1,129

1,123

(1%)

Realized gains (losses) on sales of investments, net

121

138

105

107

270

152%

123%

Net impairment losses on investments recognized in earnings

(58)

(35)

(25)

(234)

(140)

40%

(141%)

Other revenue (loss)

259

293

(1,075)

359

39%

Total non-interest revenues (NIR)

7,584

6,493

7,150

4,206

8,892

111%

17%

Total revenues, net of interest expense

21,596

21,668

22,090

19,871

24,633

24%

14%

Provisions for credit losses and for benefits and claims

Net credit losses on loans

2,459

2,234

2,214

2,190

2,208

(10%)

Credit reserve build / (release) for loans

102

243

397

289%

Provision for credit losses on loans

2,561

2,477

2,259

2,200

2,605

18%

Provision for credit losses on held-to-maturity (HTM) debt securities

(5)

(30)

(500%)

Provision for credit losses on other assets

381

(32)

(15%)

Policyholder benefits and claims

(46%)

(35%)

Provision for credit losses on unfunded lending commitments

108

(19)

100

184

70%

Total provisions for credit losses and for benefits and claims

2,723

2,872

2,450

2,220

2,805

26%

Operating expenses

Compensation and benefits

7,464

7,633

7,474

7,068

8,382

19%

12%

Technology / communication

2,379

2,290

2,325

2,429

2,335

(4%)

(2%)

Transactional and product servicing

1,102

1,184

1,110

1,179

1,225

11%

Premises and equipment

574

615

607

681

586

(14%)

Professional services

476

510

514

573

441

(23%)

(7%)

Advertising and marketing

250

269

260

318

233

(27%)

(7%)

Restructuring

(3)

(2)

(5)

(4)

100%

Other operating

1,183

1,078

2,005

1,596

1,109

(31%)

(6%)

Total operating expenses

13,425

13,577

14,290

13,840

14,311

Income (loss) from continuing operations before income taxes

5,448

5,219

5,350

3,811

7,517

97%

38%

Provision (benefit) for income taxes

1,340

1,186

1,559

1,288

1,578

23%

18%

Income (loss) from continuing operations

4,108

4,033

3,791

2,523

5,939

135%

45%

Discontinued operations

Income (loss) from discontinued operations

(1)

Provision (benefit) for income taxes

Income (loss) from discontinued operations, net of taxes

(1)

Net income (loss) before attribution to noncontrolling interests

4,107

4,033

3,790

2,522

5,938

135%

45%

Noncontrolling interests

153

200%

256%

Citigroup’s net income (loss)

4,064

4,019

3,752

2,471

5,785

134%

42%

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 2

CITIGROUP CONSOLIDATED BALANCE SHEET

(In millions of dollars)

1Q26 Increase/

March 31,

June 30,

September 30,

December 31,

March 31,

(Decrease) from

2025

2026(1)

4Q25

1Q25

Assets

Cash and due from banks (including segregated cash and other deposits)

24,463

24,991

23,545

23,717

23,625

(3%)

Deposits with banks, net of allowance

283,868

312,482

324,515

325,862

362,097

11%

28%

Securities borrowed and purchased under agreements to resell, net of allowance

390,215

323,892

321,347

356,195

353,094

(1%)

(10%)

Brokerage receivables, net of allowance

57,440

64,029

75,992

62,679

91,720

46%

60%

Trading account assets

518,577

568,558

562,254

537,139

593,473

10%

14%

Investments

Available-for-sale debt securities

225,180

235,802

246,227

246,720

257,822

14%

Held-to-maturity debt securities, net of allowance

220,385

206,094

197,092

189,831

178,503

(6%)

(19%)

Equity securities

7,323

7,504

7,413

7,678

7,839

Total investments

452,888

449,400

450,732

444,229

444,164

(2%)

Loans

Consumer(2)

386,312

395,759

398,628

408,533

402,391

(2%)

Corporate(3)

315,744

329,586

335,277

343,697

359,225

14%

Loans, net of unearned income

702,056

725,345

733,905

752,230

761,616

Allowance for credit losses on loans (ACLL)

(18,726)

(19,123)

(19,206)

(19,247)

(19,636)

(2%)

(5%)

Total loans, net

683,330

706,222

714,699

732,983

741,980

Goodwill

19,422

19,878

19,126

19,098

18,997

(1%)

(2%)

Intangible assets (including MSRs)

4,430

4,409

4,330

4,284

4,305

(3%)

Premises and equipment, net of depreciation and amortization

30,814

32,312

32,819

33,339

33,574

Other assets, net of allowance

106,067

116,599

113,116

117,677

110,658

(6%)

Total assets

2,571,514

2,622,772

2,642,475

2,657,202

2,777,687

Liabilities

Non-interest-bearing deposits in U.S. offices

122,472

119,898

116,921

121,610

122,083

Interest-bearing deposits in U.S. offices

562,628

575,709

592,728

613,052

634,812

13%

Total U.S. deposits

685,100

695,607

709,649

734,662

756,895

10%

Non-interest-bearing deposits in offices outside the U.S.

82,215

86,458

83,920

87,041

86,004

(1%)

Interest-bearing deposits in offices outside the U.S.

549,095

575,668

590,360

581,870

603,341

10%

Total international deposits

631,310

662,126

674,280

668,911

689,345

Total deposits

1,316,410

1,357,733

1,383,929

1,403,573

1,446,240

10%

Securities loaned and sold under agreements to repurchase

403,959

347,913

349,726

348,098

369,585

(9%)

Brokerage payables

78,302

90,949

89,596

74,836

111,224

49%

42%

Trading account liabilities

148,688

163,952

160,243

162,798

185,266

14%

25%

Short-term borrowings

49,139

55,560

54,760

51,878

72,056

39%

47%

Long-term debt

295,684

317,761

315,846

315,827

307,566

(3%)

Other liabilities, plus allowances(4)

66,074

74,774

74,498

86,370

73,178

(15%)

11%

Total liabilities

2,358,256

2,408,642

2,428,598

2,443,380

2,565,115

Stockholders’ equity

Preferred stock

18,350

16,350

19,050

20,050

19,550

(2%)

Common stock

Additional paid-in capital

108,616

108,839

109,010

108,452

107,821

(1%)

Retained earnings

209,013

211,674

214,034

215,128

219,542

Treasury stock, at cost

(77,880)

(79,886)

(84,932)

(89,473)

(95,370)

(7%)

(22%)

Accumulated other comprehensive income (loss) (AOCI)

(45,722)

(43,786)

(44,170)

(41,897)

(40,615)

11%

Total common equity

194,058

196,872

193,973

192,241

191,409

(1%)

Total Citigroup stockholders’ equity

212,408

213,222

213,023

212,291

210,959

(1%)

Noncontrolling interests

850

908

854

1,531

1,613

90%

Total equity

213,258

214,130

213,877

213,822

212,572

(1%)

Total liabilities and equity

2,571,514

2,622,772

2,642,475

2,657,202

2,777,687

(1)

March 31, 2026 is preliminary.

(2)

Consumer loans include loans managed by USCC, Wealth, and All Other—Legacy Franchises (other than Mexico small business and middle-market banking (Mexico SBMM), and the Assets Finance Group (AFG)).

(3)

Corporate loans include loans managed by Services, Markets, Banking, and All Other—Legacy Franchises—Mexico SBMM, and the AFG.

(4)

Includes allowance for credit losses for unfunded lending commitments. See page 19.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 3

SEGMENT NET REVENUES AND INCOME (LOSS)

(In millions of dollars)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Revenues, net of interest expense

Services

5,204

5,430

5,730

6,272

6,103

(3%)

17%

Markets

6,075

5,980

5,745

4,609

7,246

57%

19%

Banking

1,530

1,434

1,647

1,773

1,767

15%

Wealth

2,757

2,814

2,839

2,862

3,065

11%

U.S. Consumer Cards (USCC)

4,567

4,471

4,656

4,564

4,757

All Other—managed basis(1)(2)

1,463

1,716

1,471

(208)

1,682

15%

Reconciling Items—divestiture-related impacts(3)

(177)

(1)

Total net revenues—reported

21,596

21,668

22,090

19,871

24,633

24%

14%

Income (loss) from continuing operations

Services

1,849

1,728

2,098

2,512

2,242

(11%)

21%

Markets

1,862

1,824

1,723

856

2,629

207%

41%

Banking

222

267

355

304

(14%)

37%

Wealth

191

385

303

299

432

44%

126%

USCC

838

758

929

884

732

(17%)

(13%)

All Other—managed basis(1)(2)

(839)

(573)

(752)

(2,273)

(388)

83%

54%

Reconciling Items—divestiture-related impacts(3)

(15)

(180)

(777)

(110)

(12)

89%

20%

Income (loss) from continuing operations—reported

4,108

4,033

3,791

2,523

5,939

135%

45%

Discontinued operations

(1)

Net income (loss) attributable to noncontrolling interests

153

200%

256%

Net income (loss)

4,064

4,019

3,752

2,471

5,785

134%

42%

(1)

Includes Legacy Franchises and certain unallocated costs of global staff functions (including finance, risk, human resources, legal, and compliance-related costs), other corporate expenses, and unallocated global operations and technology expenses, and income taxes, as well as Corporate Treasury investment activities and discontinued operations.

(2)

Reflects results on a managed basis, which excludes divestiture-related impacts related to Citi’s divestitures of its Asia consumer banking businesses and Mexico Consumer/SBMM (consists of Mexico consumer banking (Mexico Consumer) and Small Business and Middle-Market Banking (SBMM), collectively (Mexico Consumer/SBMM)) within Legacy Franchises. See pages 12 and 14 for additional information.

(3)

Reconciling Items consist of the divestiture-related impacts excluded from All Other on a managed basis. See page 14 for additional information. The Reconciling Items are fully reflected in the various line items in Citi’s Consolidated Statement of Income (page 2). See page 14 for additional information.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 4

SERVICES

(In millions of dollars, except as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Net interest income (including dividends)

3,498

3,630

3,823

4,050

4,143

18%

Fee revenue

Commissions and fees

815

904

880

879

909

12%

Administration and other fiduciary fees

658

752

746

751

763

16%

Total fee revenue

1,473

1,656

1,626

1,630

1,672

14%

Principal transactions

233

124

190

257

263

13%

All other

335

(93%)

Total non-interest revenue

1,706

1,800

1,907

2,222

1,960

(12%)

15%

Total revenues, net of interest expense

5,204

5,430

5,730

6,272

6,103

(3%)

17%

Total operating expenses

2,584

2,679

2,707

2,843

2,935

14%

Net credit losses (recoveries) on loans

(84%)

(50%)

Credit reserve build (release) for loans

(4)

(18)

304%

Provision (release) for credit losses on unfunded lending commitments

(6)

(8)

(11)

(83%)

Provisions for credit losses for other assets and HTM debt securities

286

(15)

(81%)

Provision for credit losses

353

(11)

84%

Income from continuing operations before taxes

2,569

2,398

2,962

3,440

3,074

(11%)

20%

Income taxes

720

670

864

928

832

(10%)

16%

Income from continuing operations

1,849

1,728

2,098

2,512

2,242

(11%)

21%

Noncontrolling interests

(13%)

(7%)

Net income

1,834

1,712

2,081

2,496

2,228

(11%)

21%

EOP assets (in billions)

589

618

627

628

649

10%

Average assets (in billions)

578

593

616

630

637

10%

Efficiency ratio

50%

49%

47%

45%

48%

300 bps

(200) bps

Average allocated TCE (in billions)(1)

33.0

33.5

RoTCE(1)

22.5%

20.8%

25.0%

30.0%

27.0%

(300) bps

450 bps

Revenue by line of business

Net interest income

2,865

2,949

3,121

3,303

3,424

20%

Non-interest revenue

1,064

1,063

1,099

1,182

1,192

12%

Treasury and Trade Solutions (TTS)

3,929

4,012

4,220

4,485

4,616

17%

Net interest income

633

681

702

747

719

(4%)

14%

Non-interest revenue

642

737

808

1,040

768

(26%)

20%

Securities Services

1,275

1,418

1,510

1,787

1,487

(17%)

17%

Total Services

5,204

5,430

5,730

6,272

6,103

(3%)

17%

Revenue by managed geography

North America

1,549

1,660

1,759

1,939

1,976

28%

International

3,655

3,770

3,971

4,333

4,127

(5%)

13%

Total

5,204

5,430

5,730

6,272

6,103

(3%)

17%

Key drivers(2)(in billions of dollars, except as otherwise noted)

Average loans by line of business

TTS

13%

Securities Services

100%

Total

14%

ACLL as a % of EOP loans(3)

0.30%

0.36%

0.35%

0.33%

0.42%

9 bps

12 bps

NCLs as a % of average loans

0.03%

0.09%

0.05%

0.08%

0.01%

(7) bps

(2) bps

Average deposits by line of business

TTS

690

713

744

780

812

18%

Securities Services

136

144

149

155

149

(4%)

10%

Total

826

857

893

935

961

16%

AUC/AUA (in trillions of dollars)(4)

26.1

28.2

29.7

31.4

31.6

21%

Cross-border transaction value(5)

95.1

101.3

104.8

115.2

106.3

(8%)

12%

U.S. dollar clearing volume (in millions)(6)

42.7

44.3

44.8

45.3

43.9

(3%)

Commercial card spend volume

17.2

17.9

18.4

17.7

18.6

(1)

TCE and RoTCE are non-GAAP financial measures. See page 23 for a reconciliation of the summation of the segments’ and component’s average allocated TCE to Citigroup’s total average TCE and Citi’s total average stockholders’ equity.

(2)

Management uses this information in reviewing the segment’s results and believes it is useful to investors concerning underlying segment performance and trends.

(3)

Excludes loans that are carried at fair value for all periods.

(4)

March 31, 2026 is preliminary.

(5)

Represents the total value of cross-border foreign exchange payments processed through Citi platforms.

(6)

Represents the number of U.S. dollar Clearing Payment instructions processed on behalf of U.S. and foreign-domiciled entities (primarily financial institutions).

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 5

MARKETS

(In millions of dollars, except as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Net interest income (including dividends)

1,924

2,824

2,178

2,761

2,797

45%

Fee revenue

Brokerage and fees

400

399

400

364

478

31%

20%

Investment banking fees(1)

135

106

163

120

(11%)

Other(2)

(4%)

Total fee revenue

587

556

626

541

653

21%

11%

Principal transactions

3,285

2,302

2,737

1,155

3,542

207%

All other

279

298

204

152

254

67%

(9%)

Total non-interest revenue

4,151

3,156

3,567

1,848

4,449

141%

Total revenues, net of interest expense

6,075

5,980

5,745

4,609

7,246

57%

19%

Total operating expenses

3,466

3,508

3,490

3,608

3,835

11%

Net credit losses (recoveries) on loans

142

(12)

(3)

75%

Credit reserve build (release) for loans

(44)

(73)

(52%)

Provision (release) for credit losses on unfunded lending commitments

(8)

(7)

(23)

(229%)

Provisions for credit losses for other assets and HTM debt securities

(5)

(12)

Provision for credit losses

201

108

(104)

(15)

86%

Income (loss) from continuing operations before taxes

2,408

2,364

2,223

1,105

3,426

210%

42%

Income taxes (benefits)

546

540

500

249

797

220%

46%

Income (loss) from continuing operations

1,862

1,824

1,723

856

2,629

207%

41%

Noncontrolling interests

89%

162%

Net income (loss)

1,849

1,803

1,702

838

2,595

210%

40%

EOP assets (in billions)

1,162

1,164

1,179

1,185

1,280

10%

Average assets (in billions)

1,118

1,219

1,229

1,247

1,325

19%

Efficiency ratio

57%

59%

61%

78%

53%

(2,500) bps

(400) bps

Average allocated TCE (in billions)(3)

53.5

56.4

RoTCE(3)

14.0%

13.5%

12.6%

6.2%

18.7%

1,250 bps

470 bps

Revenue by line of business

Fixed Income Markets

4,578

4,388

4,225

3,554

5,166

45%

13%

Equity Markets

1,497

1,592

1,520

1,055

2,080

97%

39%

Total

6,075

5,980

5,745

4,609

7,246

57%

19%

Rates and Currencies

3,116

3,221

2,963

2,449

3,311

35%

Spread Products / Other Fixed Income

1,462

1,167

1,262

1,105

1,855

68%

27%

Total Fixed Income Markets revenues

4,578

4,388

4,225

3,554

5,166

45%

13%

Revenue by managed geography

North America

2,169

2,124

2,270

1,826

2,559

40%

18%

International

3,906

3,856

3,475

2,783

4,687

68%

20%

Total

6,075

5,980

5,745

4,609

7,246

57%

19%

Key drivers(4) (in billions of dollars)

Average loans

128

136

147

152

162

27%

NCLs (annualized) as a % of average loans

0.45%

0.02%

0.18%

(0.03%)

(0.01%)

2 bps

(46) bps

ACLL as a % of EOP loans(5)

0.89%

0.85%

0.78%

0.67%

0 bps

(22) bps

Average trading account assets

474

547

555

556

573

21%

(1)

Investment banking fees are primarily composed of underwriting, advisory, loan syndication structuring, and other related financing activity.

(2)

Primarily includes other non-brokerage and investment banking fees from customer-driven activities.

(3)

(4)

Management uses this information in reviewing the segment’s results and believes it is useful to investors concerning underlying segment performance and trends.

(5)

Excludes loans that are carried at fair value for all periods.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 6

BANKING

(In millions of dollars, except as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Net interest income (including dividends)

491

530

562

549

587

20%

Fee revenue

Investment banking fees(1)

1,104

1,058

1,169

1,287

1,232

(4%)

12%

Other(2)

31%

Total fee revenue

1,153

1,117

1,234

1,347

1,296

(4%)

12%

Principal transactions

(90)

(179)

(164)

(119)

(38)

68%

58%

All other

(24)

(34)

(4)

(78)

(225%)

Total non-interest revenue

1,039

904

1,085

1,224

1,180

(4%)

14%

Total revenues, net of interest expense

1,530

1,434

1,647

1,773

1,767

15%

Total operating expenses

1,034

1,137

1,139

1,152

1,240

20%

Net credit losses on loans

(76%)

(82%)

Credit reserve build (release) for loans

137

136

175

29%

124%

Provision (release) for credit losses on unfunded lending commitments

107

(51)

Provisions for credit losses for other assets and HTM debt securities

(5)

100%

Provision for credit losses

214

173

157

176

132

(25%)

(38%)

Income (loss) from continuing operations before taxes

282

124

351

445

395

(11%)

40%

Income taxes (benefits)

52%

Income (loss) from continuing operations

222

267

355

304

(14%)

37%

Noncontrolling interests

(1)

(2)

(3)

(100%)

100%

Net income (loss)

223

270

354

304

(14%)

36%

EOP assets (in billions)

147

148

141

140

154

10%

Average assets (in billions)

144

150

149

146

154

Efficiency ratio

68%

79%

69%

65%

70%

500 bps

200 bps

Average allocated TCE (in billions)(3)

9.2

7.8

(15%)

RoTCE(3)

9.8%

4.1%

11.6%

15.3%

15.8%

50 bps

600 bps

Revenue by line of business

Total Investment Banking

1,114

1,073

1,238

1,356

1,326

(2%)

19%

Corporate Lending (excluding gain (loss) on loan hedges)(4)

402

423

453

443

391

(12%)

(3%)

Total Banking revenues (ex-gain (loss) on loan hedges)(4)

1,516

1,496

1,691

1,799

1,717

(5%)

13%

Gain (loss) on loan hedges(4)

(62)

(44)

(26)

257%

Total Banking revenues including gain (loss) on loan hedges(4)

1,530

1,434

1,647

1,773

1,767

15%

Business metrics—investment banking fees

Advisory

424

408

427

649

505

(22%)

19%

Equity underwriting (Equity Capital Markets (ECM))

127

218

174

180

208

16%

64%

Debt underwriting (Debt Capital Markets (DCM))

553

432

568

458

519

13%

(6%)

Total

1,104

1,058

1,169

1,287

1,232

(4%)

12%

Revenue by managed geography

North America

874

648

862

1,023

1,109

27%

International

656

786

785

750

658

(12%)

Total

1,530

1,434

1,647

1,773

1,767

15%

Key drivers(5) (in billions of dollars)

Average loans

NCLs (annualized) as a % of average loans

0.17%

0.08%

0.04%

0.13%

0.03%

(10) bps

(14) bps

ACLL as a % of EOP loans(6)

1.54%

1.72%

1.83%

2.04%

2.06%

2 bps

52 bps

(1)

Investment banking fees are primarily composed of underwriting, advisory, loan syndication structuring, and other related financing activity.

(2)

Primarily includes other non-investment banking fees from customer-driven activities.

(3)

(4)

Credit derivatives are used to economically hedge a portion of the corporate loan portfolio that includes both accrual loans and loans at fair value. Gain (loss) on loan hedges includes the mark-to-market on the credit derivatives, partially offset by the mark-to-market on the loans in the portfolio that are at fair value. Hedges on accrual loans reflect the mark-to-market on credit derivatives used to economically hedge the corporate loan accrual portfolio. The fixed premium costs of these hedges are netted against the corporate lending revenues to reflect the cost of credit protection. Citigroup’s results of operations excluding the impact of gain (loss) on loan hedges are non-GAAP financial measures.

(5)

Management uses this information in reviewing the segment’s results and believes it is useful to investors concerning underlying segment performance and trends.

(6)

Excludes loans that are carried at fair value for all periods.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 7

WEALTH

(In millions of dollars, except as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Net interest income

1,831

1,902

2,018

2,095

14%

Fee revenue

Commissions and fees

484

454

494

465

543

17%

12%

Other(1)

247

246

232

238

207

(13%)

(16%)

Total fee revenue

731

700

726

703

750

All other(2)

195

283

211

141

220

56%

13%

Total non-interest revenue

926

983

937

844

970

15%

Total revenues, net of interest expense

2,757

2,814

2,839

2,862

3,065

11%

Total operating expenses

2,390

2,313

2,375

2,377

2,415

Net credit losses on loans

10%

31%

Credit reserve build (release) for loans

(65)

(16)

117%

(80%)

Provision (release) for credit losses on unfunded lending commitments

(1)

(100%)

100%

Provisions for benefits and claims (PBC), and other assets

(4)

(1)

100%

Provisions for credit losses and for PBC

126

101

16%

(20%)

Income from continuing operations before taxes

241

494

391

398

549

38%

128%

Income taxes

109

117

18%

134%

Income from continuing operations

191

385

303

299

432

44%

126%

Noncontrolling interests

Net income

191

385

303

299

432

44%

126%

EOP assets (in billions)

301

308

313

316

320

Average assets (in billions)

301

305

315

325

321

(1%)

Efficiency ratio

87%

82%

84%

83%

79%

(400) bps

(800) bps

Average allocated TCE (in billions)(3)

15.4

16.2

RoTCE(3)

5.0%

10.0%

7.8%

7.7%

10.8%

310 bps

580 bps

Revenue by line of business

Citigold and Retail Banking

1,825

1,862

1,969

2,010

2,062

13%

Private Bank

664

731

656

625

757

21%

14%

Wealth at Work

268

221

214

227

246

(8%)

Total

2,757

2,814

2,839

2,862

3,065

11%

Revenue by managed geography

North America

1,734

1,729

1,741

1,825

1,893

International

1,023

1,085

1,098

1,037

1,172

13%

15%

Total

2,757

2,814

2,839

2,862

3,065

11%

Key drivers(4) (in billions of dollars)

EOP client balances

Client investment assets(5)(6)(7)

595

635

660

670

676

14%

Deposits

401

400

408

413

418

Loans

196

200

202

204

205

Total

1,192

1,235

1,270

1,287

1,299

Net new investment assets (NNIA)(7)(8)

16.5

2.0

18.6

7.2

14.7

104%

(11%)

Average deposits

399

398

405

407

414

Average loans

194

197

201

203

205

ACLL as a % of EOP loans(9)

0.38%

0.34%

0.33%

0 bps

(5) bps

NCLs (annualized) as a % of average loans

0.14%

0.15%

0.18%

0.16%

0.17%

1 bps

3 bps

U.S. Retail Banking branches (actual)

644

650

653

655

(1)

Primarily related to fiduciary and administrative fees.

(2)

Primarily related to principal transactions revenue including FX translation.

(3)

(4)

Management uses this information in reviewing the segment’s results and believes it is useful to investors concerning underlying segment performance and trends.

(5)

Includes assets under management, and trust and custody assets.

(6)

Beginning in 1Q26, Client investment assets include an additional approximate $10 billion associated with the value of client insurance policies that were not previously reported.

(7)

March 31, 2026 is preliminary.

(8)

Represents investment asset inflows, including dividends, interest and distributions, less investment asset outflows.

(9)

Excludes loans that are carried at fair value for all periods.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 8

U.S. CONSUMER CARDS (USCC)

(In millions of dollars, except as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Net interest income

4,984

4,918

5,124

5,143

5,116

(1%)

Fee revenue

Interchange fees(1)

2,285

2,459

2,448

2,526

2,404

(5%)

Card rewards and partner payments

(2,821)

(3,008)

(3,031)

(3,215)

(2,897)

10%

(3%)

Other(1)

103

114

112

(2%)

17%

Total fee revenue

(440)

(446)

(469)

(575)

(381)

34%

13%

All other(2)

(1)

(4)

(4%)

Total non-interest revenue

(417)

(447)

(468)

(579)

(359)

38%

14%

Total revenues, net of interest expense

4,567

4,471

4,656

4,564

4,757

Total operating expenses

1,691

1,626

1,644

1,794

1,711

(5%)

Net credit losses on loans

1,954

1,856

1,741

1,739

1,742

(11%)

Credit reserve build (release) for loans

(174)

(5)

(117)

Provision (release) for credit losses on unfunded lending commitments(3).

272

Provisions for benefits and claims (PBC), and other assets

(33%)

Provisions for credit losses and for PBC

1,783

1,852

1,799

1,624

2,092

29%

17%

Income from continuing operations before taxes

1,093

993

1,213

1,146

954

(17%)

(13%)

Income taxes

255

235

284

262

222

(15%)

(13%)

Income from continuing operations

838

758

929

884

732

(17%)

(13%)

Noncontrolling interests

Net income

838

758

929

884

732

(17%)

(13%)

EOP assets (in billions)

167

171

178

171

(4%)

Average assets (in billions)

169

168

171

173

172

(1%)

Efficiency ratio

37%

36%

35%

39%

36%

(300) bps

(100) bps

Average allocated TCE (in billions)(4)

20.3

15.5

(24%)

RoTCE(4)

16.7%

15.0%

18.2%

17.3%

19.2%

190 bps

250 bps

Key drivers(5)(in billions)

Average loans

168

171

172

171

(1%)

ACLL as a % of EOP loans

8.29%

8.08%

8.09%

7.74%

8.09%

35 bps

(20) bps

NCLs (annualized) as a % of average loans

4.72%

4.43%

4.05%

4.00%

4.12%

12 bps

(60) bps

Revenue rate(6)

11.02%

10.67%

10.80%

10.53%

11.28%

75 bps

26 bps

NII(7)(annualized) as a % of average loans

12.03%

11.74%

11.89%

11.86%

12.13%

27 bps

10 bps

(1)

Primarily includes credit card-related fees.

(2)

Primarily related to revenue incentives from card networks.

(3)

1Q26 includes a reserve build related to the forward purchase commitment of the Barclays American Airlines co-branded card portfolio.

(4)

(5)

Management uses this information in reviewing the segment’s results and believes it is useful to investors concerning underlying segment performance and trends.

(6)

Total revenues, net of interest expense (annualized) as a % of average loans.

(7)

Net interest income includes certain fees that are recorded as interest revenue.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 9

USCC

Metrics

1Q26 Increase/

(Decrease) from

Key drivers(1) (in billions of dollars, except as otherwise noted)

2025

2026

4Q25

1Q25

New credit cards account acquisitions (in thousands)

General Purpose Credit Cards (GPCC)(2)

1,696

1,704

1,872

2,115

1,899

(10%)

12%

Private Label Credit Cards (PLCC)(3)

1,144

1,551

1,339

1,572

1,043

(34%)

(9%)

Credit card spend volume

GPCC

133.2

144.8

144.5

152.4

141.5

(7%)

PLCC

10.9

13.9

12.6

13.9

10.5

(24%)

(4%)

Average loans(4)

GPCC

133.6

134.4

136.8

138.6

PLCC

30.6

30.1

30.0

29.8

28.9

(3%)

(6%)

Installment Lending

3.8

3.7

3.9

3.8

(3%)

EOP loans(4)

GPCC

132.9

136.8

137.7

143.2

138.7

(3%)

PLCC

29.9

30.4

29.8

30.5

28.3

(7%)

(5%)

Installment Lending

3.7

3.8

NCLs as a % of average loans

GPCC

4.45%

4.20%

3.85%

3.78%

3.87%

9 bps

(58) bps

PLCC

5.71%

5.18%

4.67%

4.77%

5.05%

28 bps

(66) bps

Installment Lending

6.19%

6.29%

6.43%

6.00%

6.19%

19 bps

0 bps

Loans 90+ days past due as a % of EOP loans

GPCC

1.42%

1.30%

1.27%

1.32%

1.39%

7 bps

(3) bps

PLCC

2.23%

2.00%

2.08%

2.13%

2.15%

2 bps

(8) bps

Installment Lending

0.49%

0.57%

0.58%

0.55%

(3) bps

6 bps

Loans 30-89 days past due as a % of EOP loans

GPCC

1.21%

1.12%

1.21%

1.23%

1.20%

(3) bps

(1) bps

PLCC

2.04%

1.89%

2.07%

1.99%

1.98%

(1) bps

(6) bps

Installment Lending

1.41%

1.35%

1.26%

1.37%

1.42%

5 bps

1 bps

(1)

Management uses this information in reviewing the segment’s results and believes it is useful to investors concerning underlying segment performance and trends.

(2)

General Purpose Credit Cards (GPCC). Consists of consumer credit cards that operate on established payment networks and are accepted by a wide variety of merchants and service providers.

(3)

Private Label Credit Cards (PLCC). Consists of consumer credit cards that are issued for use with a specific retailer or its affiliates and are limited to purchases of that retailer’s goods and services.

(4)

GPCC and PLCC average loans, EOP loans, and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

Reclassified to conform to the current period’s presentation.

Page 10

ALL OTHER—MANAGED BASIS(1)(2)(3)

(In millions of dollars, except as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Net interest income

1,284

1,442

1,351

1,144

1,003

(12%)

(22%)

Non-interest revenue(4)(5)

179

274

120

(1,352)

679

279%

Total revenues, net of interest expense

1,463

1,716

1,471

(208)

1,682

15%

Total operating expenses(5)(6)(7)(8)(9)

2,226

2,277

2,169

2,026

2,144

(4%)

Net credit losses on loans

256

297

341

371

45%

Credit reserve build (release) for loans

(83%)

(82%)

Provision (release) for credit losses on unfunded lending commitments

(1)

(6)

(3)

(200%)

Provisions for benefits and claims (PBC), other assets and HTM debt securities

(39%)

Provisions for credit losses and for PBC

359

374

331

449

400

(11%)

11%

Income (loss) from continuing operations before taxes

(1,122)

(935)

(1,029)

(2,683)

(862)

68%

23%

Income taxes (benefits)

(283)

(362)

(277)

(410)

(474)

(16%)

(67%)

Income (loss) from continuing operations

(839)

(573)

(752)

(2,273)

(388)

83%

54%

Income (loss) from discontinued operations, net of taxes

(1)

Noncontrolling interests

(21)

105

Net income (loss)

(856)

(552)

(756)

(2,290)

(494)

78%

42%

EOP assets (in billions)

206

214

211

210

204

(3%)

(1%)

Average assets (in billions)

207

213

209

202

208

Efficiency ratio

152%

133%

147%

(974%)

127%

Average allocated TCE (in billions)(10)

37.9

40.7

40.9

39.0

39.8

Revenue by line of business

Mexico Consumer/SBMM

1,467

1,536

1,722

1,775

2,054

16%

40%

Asia Consumer(4)(11)

135

155

149

(1,434)

105

(22%)

Legacy Holdings Assets (LHA)

(12)

(89%)

Corporate/Other

(158)

(400)

(537)

(479)

11%

(203%)

Total

1,463

1,716

1,471

(208)

1,682

15%

Mexico Consumer/SBMM—key indicators(in billions of dollars)

EOP loans

24.1

26.8

28.5

30.0

30.6

27%

EOP deposits

35.3

38.4

40.6

43.8

24%

Average loans

23.7

25.5

27.2

29.2

30.7

30%

NCLs as a % of average loans (Mexico Consumer only)

5.51%

5.28%

5.46%

5.91%

6.37%

46 bps

86 bps

Loans 90+ days past due as a % of EOP loans (Mexico Consumer only)

1.41%

1.58%

1.60%

1.72%

1.71%

(1) bps

30 bps

Loans 30-89 days past due as a % of EOP loans (Mexico Consumer only)

1.46%

1.52%

1.58%

1.59%

1.64%

5 bps

18 bps

Asia Consumer—key indicators(in billions of dollars)(12)(13)

EOP loans

4.5

3.0

2.7

2.5

2.2

(12%)

(51%)

EOP deposits

7.4

1.5

1.3

1.1

0.9

(18%)

(88%)

Average loans

4.7

4.0

2.8

2.6

2.4

(8%)

(49%)

Legacy Holdings Assets—key indicators(in billions of dollars)

EOP loans

2.2

2.1

1.8

1.7

(6%)

(23%)

(1)

Includes Legacy Franchises (see page 12 for details) and certain unallocated costs of global staff functions (including finance, risk, human resources, legal and compliance-related costs), other corporate expenses, and unallocated global operations and technology expenses and income taxes, as well as Corporate Treasury investment activities and discontinued operations. The results of operations, as well as certain disclosed balance sheet information, for Mexico Consumer/SBMM are presented on a managerial view and include certain intercompany allocations, managerial charges, and offshore expenses that reflect the Mexico Consumer/SBMM operations as a component of Citi’s consolidated operations. The Mexico Consumer/SBMM results are therefore not intended to reflect, and may differ (significantly) from, Banamex’s results and operations as a standalone legal entity.

(2)

(3)

Certain of the results of operations of All Other—managed basis are non-GAAP financial measures. See page 14 for additional information.

(4)

In 4Q25, Citigroup recognized an approximate $1.2 billion loss recorded in revenue (approximately $1.1 billion after-tax) related to the loss on sale of the announced move to held-for-sale of AO Citibank (Russia). The sale closed on February 18, 2026. The loss on sale consists of (($1.556) billion) (($1.506) billion after-tax) in Legacy Franchises and (($32) million) in Corporate/Other, partially offset by $356 million in Services, $19 million in Markets and $40 million in Banking. The only tax impact ($50 million tax benefit) was recorded in Legacy Franchises. For additional information, see Citi’s Form 8-K filed on December 29, 2025.

(5)

See footnote 2 on page 14.

(6)

See footnote 3 on page 14.

(7)

See footnote 4 on page 14.

(8)

See footnote 5 on page 14.

(9)

See footnote 6 on page 14.

(10)

TCE is a non-GAAP financial measure. See page 23 for a reconciliation of the summation of the segments’ and component’s average allocated TCE.

(11)

Asia Consumer includes revenues from the Poland and Russia consumer banking businesses.

(12)

Asia Consumer also includes loans and deposits in Poland (through 1Q25) and Russia.

(13)

The key indicators for Asia Consumer also reflect the reclassification of loans and deposits to Other assets and Other liabilities under HFS accounting on Citi’s Consolidated Balance Sheet beginning in 2Q25.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 11

ALL OTHER—MANAGED BASIS(1)(2)

Legacy Franchises(3)

(In millions of dollars, except as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Net interest income

1,167

1,271

1,338

1,379

1,479

27%

Non-interest revenue(4)(5)

454

420

533

(1,050)

682

50%

Total revenues, net of interest expense

1,621

1,691

1,871

329

2,161

33%

Total operating expenses(5)(6)(7)(8)(9)

1,334

1,287

1,320

1,222

1,324

(1%)

Net credit losses on loans

256

297

341

371

45%

Credit reserve build (release) for loans

(83%)

(82%)

Provision (release) for credit losses on unfunded lending commitments

(1)

(6)

(3)

(200%)

Provisions for benefits and claims (PBC), other assets and HTM debt securities

(3%)

(7%)

Provisions for credit losses and for PBC

358

371

327

447

409

(9%)

14%

Income (loss) from continuing operations before taxes

(71)

224

(1,340)

428

Income taxes (benefits)

(25)

(5)

147

137

(7%)

Income (loss) from continuing operations

(46)

158

(1,487)

291

Noncontrolling interests

(22)

114

Net income (loss)

(60)

155

(1,496)

177

EOP assets (in billions)

13%

Average assets (in billions)

14%

Efficiency ratio

82%

76%

71%

371%

61%

Average allocated TCE (in billions)(10)

5.1

5.7

12%

Revenue by line of business

Mexico Consumer/SBMM(3)

1,467

1,536

1,722

1,775

2,054

16%

40%

Asia Consumer(4)(11)

135

155

149

(1,434)

105

(22%)

Legacy Holdings Assets (LHA)

(12)

(89%)

Total

1,621

1,691

1,871

329

2,161

33%

Mexico Consumer/SBMM(3)—key indicators(in billions of dollars)

EOP loans

24.1

26.8

28.5

30.0

30.6

27%

EOP deposits

35.3

38.4

40.6

43.8

24%

Average loans

23.7

25.5

27.2

29.2

30.7

30%

NCLs as a % of average loans (Mexico Consumer only)

5.51%

5.28%

5.46%

5.91%

6.37%

46 bps

86 bps

Loans 90+ days past due as a % of EOP loans (Mexico Consumer only)

1.41%

1.58%

1.60%

1.72%

1.71%

(1) bps

30 bps

Loans 30-89 days past due as a % of EOP loans (Mexico Consumer only)

1.46%

1.52%

1.58%

1.59%

1.64%

5 bps

18 bps

Asia Consumer—key indicators(in billions of dollars)(12)(13)

EOP loans

4.5

3.0

2.7

2.5

2.2

(12%)

(51%)

EOP deposits

7.4

1.5

1.3

1.1

0.9

(18%)

(88%)

Average loans

4.7

4.0

2.8

2.6

2.4

(8%)

(49%)

Legacy Holdings Assets—key indicators(in billions of dollars)

EOP loans

2.2

2.1

1.8

1.7

(6%)

(23%)

(1)

Reflects results on a managed basis, which excludes divestiture-related impacts related to Citi’s divestitures of its Asia consumer banking businesses and Mexico Consumer/SBMM within Legacy Franchises. See page 14 for additional information. The results of operations, as well as certain disclosed balance sheet information, for Mexico Consumer/SBMM are presented on a managerial view and include certain intercompany allocations, managerial charges, and offshore expenses that reflect the Mexico Consumer/SBMM operations as a component of Citi’s consolidated operations. The Mexico Consumer/SBMM results are therefore not intended to reflect, and may differ (significantly) from, Banamex’s results and operations as a standalone legal entity.

(2)

Certain of the results of operations of All Other—managed basis are non-GAAP financial measures. See page 14 for additional information.

(3)

Legacy Franchises consists of the consumer franchises in 13 markets across Asia, Poland and Russia that Citi has exited or intends to exit (collectively Asia Consumer); Mexico Consumer/SBMM (consists of Mexico consumer banking (Mexico Consumer) and Small Business and Middle-Market Banking (SBMM), collectively (Mexico Consumer/SBMM)); and Legacy Holdings Assets (North America consumer mortgage loans, Citigroup’s U.K. consumer banking business and other legacy assets).

(4)

(5)

See footnote 2 on page 14.

(6)

See footnote 3 on page 14.

(7)

See footnote 4 on page 14.

(8)

See footnote 5 on page 14.

(9)

See footnote 6 on page 14.

(10)

TCE is a non-GAAP financial measure. See page 23 for a reconciliation of the summation of the segments’ and component’s average allocated TCE.

(11)

Asia Consumer includes revenues from the Poland and Russia consumer banking businesses.

(12)

Asia Consumer also includes loans and deposits in Poland (through 1Q25) and Russia.

(13)

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 12

ALL OTHER

Corporate/Other(1)

(In millions of dollars, except as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Net interest income

117

171

(235)

(476)

(103%)

Non-interest revenue

(275)

(146)

(413)

(302)

(3)

99%

Total revenues, net of interest expense

(158)

(400)

(537)

(479)

11%

(203%)

Total operating expenses

892

990

849

804

820

(8%)

Provisions for other assets, HTM debt securities and other

(9)

Income (loss) from continuing operations before taxes

(1,051)

(968)

(1,253)

(1,343)

(1,290)

(23%)

Income taxes (benefits)

(258)

(357)

(343)

(557)

(611)

(10%)

(137%)

Income (loss) from continuing operations

(793)

(611)

(910)

(786)

(679)

14%

Income (loss) from discontinued operations, net of taxes

(1)

Noncontrolling interests

(9)

Net income (loss)

(796)

(612)

(911)

(794)

(671)

15%

16%

EOP assets (in billions)

129

131

125

124

117

(6%)

(9%)

Average allocated TCE (in billions)(2)

32.8

35.6

35.8

33.9

34.1

(1)

Includes certain unallocated costs of global staff functions (including finance, risk, human resources, legal and compliance-related costs), other corporate expenses and unallocated global operations and technology expenses and income taxes, as well as Corporate Treasury investment activities and discontinued operations.

(2)

TCE is a non-GAAP financial measure. See page 23 for a reconciliation of the summation of the segments’ and component’s average allocated TCE.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 13

ALL OTHER

Divestiture-Related Impacts

(Reconciling Items)(1)

(In millions of dollars, except as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Net interest income

Non-interest revenue(2)

(177)

(1)

Total revenues, net of interest expense

(177)

(1)

Total operating expenses(2)(3)(4)(5)(6)

766

(23%)

(9%)

Net credit losses on loans

(3)

(2)

Credit reserve build (release) for loans

(11)

(100%)

100%

Provision (release) for credit losses on unfunded lending commitments

Provisions for benefits and claims (PBC), other assets and HTM debt securities

Provisions for credit losses and for PBC

(11)

(3)

(1)

Income (loss) from continuing operations before taxes

(23)

(219)

(761)

(40)

(19)

53%

17%

Income taxes (benefits)

(8)

(39)

(7)

13%

Income (loss) from continuing operations

(15)

(180)

(777)

(110)

(12)

89%

20%

Income (loss) from discontinued operations, net of taxes

Noncontrolling interests

Net income (loss)

(15)

(180)

(777)

(110)

(12)

89%

20%

(1)

Reconciling Items consist of the divestiture-related impacts excluded from the results of All Other, as well as All Other—Legacy Franchises on a managed basis. The Reconciling Items are fully reflected in Citi’s Consolidated Statement of Income on page 2 for each respective line item.

(2)

2Q25 includes (i) an approximate $186 million loss recorded in revenue (approximately $157 million after-tax) related to the announced sale of the Poland consumer banking business; and (ii) approximately $37 million in operating expenses (approximately $26 million after-tax) primarily related to separation costs in Mexico. For additional information, see Citi’s Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2025.

(3)

1Q25 includes approximately $34 million in operating expenses (approximately $23 million after-tax), largely related to separation costs in Mexico and severance costs in the Asia exit markets. For additional information, see Citi’s Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2025.

(4)

3Q25 includes approximately $766 million in operating expenses (approximately $744 million after-tax), driven by a goodwill impairment charge in Mexico ($726 million ($714 million after-tax)) and separation costs in Mexico. For additional information, see Citi’s Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2025.

(5)

4Q25 includes approximately $40 million in operating expenses (approximately $28 million after-tax), primarily related to separation costs in Mexico. For additional information, see Citi’s Annual Report on Form 10-K for the year ended December 31, 2025.

(6)

1Q26 includes approximately $31 million in operating expenses (approximately $23 million after-tax), primarily related to separation costs in Mexico.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 14

AVERAGE BALANCES AND INTEREST RATES(1)(2)(3)(4)

Taxable Equivalent Basis

(In millions of dollars, except as otherwise noted)

Average Volumes

Interest

% Average Rate(4)

1Q25

4Q25

1Q26(5)

1Q25

4Q25

1Q26(5)

1Q25

4Q25

1Q26(5)

Assets

Deposits with banks

280,566

333,848

344,971

3,001

3,190

3,194

4.34%

3.79%

3.75%

Securities borrowed and purchased under resale agreements(6)

362,140

364,353

394,172

6,291

7,047

6,681

7.05%

7.67%

6.87%

Trading account assets(7)

437,378

523,690

535,116

4,370

5,317

4,897

4.05%

4.03%

3.71%

Investments

459,354

447,982

443,526

4,175

4,192

4,028

3.69%

3.71%

3.68%

Consumer loans

386,690

401,451

403,807

9,758

10,121

9,977

10.23%

10.00%

10.02%

Corporate loans

304,047

335,263

351,398

4,985

5,286

5,269

6.65%

6.26%

6.08%

Total loans (net of unearned income)(8)

690,737

736,714

755,205

14,743

15,407

15,246

8.66%

8.30%

8.19%

Other interest-earning assets

75,982

96,860

123,549

1,112

1,521

1,496

5.94%

6.23%

4.91%

Total average interest-earning assets

2,306,157

2,503,447

2,596,539

33,692

36,674

35,542

5.92%

5.81%

5.55%

Liabilities

Deposits

1,103,768

1,218,253

1,236,277

8,438

8,680

8,253

3.10%

2.83%

2.71%

Securities loaned and sold under repurchase agreements(6)

372,193

384,902

412,607

6,256

7,101

6,598

6.82%

7.32%

6.49%

Trading account liabilities(7)

91,169

103,820

118,413

757

753

769

3.37%

2.88%

2.63%

Short-term borrowings and other interest-bearing liabilities

130,654

154,999

185,229

1,726

1,907

1,832

5.36%

4.88%

4.01%

Long-term debt(9)

175,021

186,846

184,573

2,477

2,543

2,320

5.74%

5.40%

5.10%

Total average interest-bearing liabilities

1,872,805

2,048,820

2,137,099

19,654

20,984

19,772

4.26%

4.06%

3.75%

Net interest income as a % of average interest-earning assets (NIM)(9)

14,038

15,690

15,770

2.47%

2.49%

2.46%

1Q26 increase (decrease) from:

(1)

bps

(3)

bps

(1)

Interest income and Net interest income include the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 21%) of $26 million for 1Q25, $25 million for 4Q25 and $29 million for 1Q26.

(2)

Citigroup average balances and interest rates include both domestic and international operations.

(3)

Monthly averages have been used by certain subsidiaries where daily averages are unavailable.

(4)

Average rate percentage is calculated as annualized interest over average volumes.

(5)

March 31, 2026 is preliminary.

(6)

Average volumes of securities borrowed or purchased under agreements to resell and securities loaned or sold under agreements to repurchase are reported net pursuant to FIN 41; the related interest excludes the impact of ASU 2013-01 (Topic 210).

(7)

Interest expense on Trading account liabilities of Services, Markets, and Banking is reported as a reduction of Interest income. Interest income and Interest expense on cash collateral positions are reported in Trading account assets and Trading account liabilities, respectively.

(8)

Nonperforming loans are included in the average loan balances.

(9)

Excludes hybrid financial instruments with changes in fair value recorded in Principal transactions revenue.

Reclassified to conform to the current period’s presentation.

Page 15

END-OF-PERIOD LOANS(1)(2)

(In billions of dollars)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Corporate loans by region

North America

138.7

146.5

150.1

155.2

163.6

18%

International

177.0

183.1

185.2

188.5

195.6

11%

Total corporate loans

315.7

329.6

335.3

343.7

359.2

14%

Corporate loans by segment and reporting unit

Services

98.0

96.4

99.4

99.5

101.5

Markets

129.8

144.3

149.7

159.4

165.2

27%

Banking

81.4

81.9

78.8

77.2

84.6

10%

All Other—Legacy Franchises—Mexico SBMM and AFG(3)

6.5

7.0

7.4

7.6

7.9

22%

Total corporate loans

315.7

329.6

335.3

343.7

359.2

14%

Wealth by region

North America

144.9

147.3

148.2

150.2

150.4

International

50.6

52.7

53.5

54.1

54.6

Total

195.5

200.0

201.7

204.3

205.0

USCC

GPCC

132.9

136.8

137.7

143.2

138.7

(3%)

PLCC

29.9

30.4

29.8

30.5

28.3

(7%)

(5%)

Installment Lending

3.7

3.8

Total

166.5

170.9

171.3

177.5

170.8

(4%)

All Other—Consumer

Mexico Consumer

17.9

20.0

21.2

22.5

22.8

27%

Asia Consumer(4)

4.5

3.0

2.7

2.5

2.2

(12%)

(51%)

Legacy Holdings Assets (LHA)

1.9

1.7

1.6

(6%)

(16%)

Total

24.3

24.9

25.6

26.7

26.6

Total consumer loans

386.3

395.8

398.6

408.5

402.4

(2%)

Total loans—EOP

702.1

725.3

733.9

752.2

761.6

Total loans—average

690.7

712.2

725.0

736.7

755.2

NCLs as a % of total average loans

1.44%

1.26%

1.21%

1.18%

1.19%

1 bps

(25) bps

(1)

Corporate loans include loans managed by Services, Markets, Banking, and All Other—Legacy Franchises—Mexico SBMM, and the AFG.

(2)

Consumer loans include loans managed by USCC, Wealth, and All Other—Legacy Franchises (other than Mexico SBMM, and the AFG).

(3)

Includes Legacy Franchises corporate loans activity related to Mexico SBMM and AFG (AFG was previously reported in Markets; all periods have been reclassified to reflect this move into Legacy Franchises), as well as other LHA corporate loans.

(4)

Asia Consumer also includes loans in Poland (through 1Q25) and Russia.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 16

END-OF-PERIOD DEPOSITS

(In billions of dollars)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Services, Markets, and Banking by region (institutional)

North America

406.3

414.4

428.3

452.9

478.5

18%

International

444.4

477.2

483.1

481.3

499.3

12%

Total

850.7

891.6

911.4

934.2

977.8

15%

Treasury and Trade Solutions

692.1

726.4

740.0

779.4

804.5

16%

Securities Services

140.9

148.1

151.3

138.4

155.2

12%

10%

Services

833.0

874.5

891.3

917.8

959.7

15%

Markets

17.2

16.7

19.3

16.0

17.7

11%

Banking

0.5

0.4

0.8

0.4

(20%)

Total

850.7

891.6

911.4

934.2

977.8

15%

Wealth

North America

278.7

277.3

278.5

285.6

285.8

International

122.4

123.1

129.2

126.9

132.1

Total

401.1

400.4

407.7

412.5

417.9

All Other

Legacy Franchises

Mexico Consumer

25.6

28.5

29.7

33.3

32.6

(2%)

27%

Mexico SBMM—corporate

9.7

9.9

10.9

10.5

11.2

15%

Asia Consumer(1)

7.4

1.5

1.3

1.1

0.9

(18%)

(88%)

Legacy Holdings Assets (LHA)(2)

0.1

Corporate/Other

21.8

25.7

22.8

11.9

5.7

(52%)

(74%)

Total

64.6

65.7

64.8

56.9

50.5

(11%)

(22%)

Total deposits—EOP

1,316.4

1,357.7

1,383.9

1,403.6

1,446.2

10%

Total deposits—average

1,305.0

1,342.8

1,382.2

1,422.3

1,446.4

11%

(1)

Asia Consumer also includes deposits in Poland (through 1Q25) and Russia.

(2)

LHA includes deposits from the U.K. consumer banking business.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 17

ALLOWANCE FOR CREDIT LOSSES (ACL) ROLLFORWARD

(In millions of dollars, except ratios)

ACLL/EOP

Balance

Builds (Releases)

FY 2025

Balance

Builds (Releases)

YTD 2026

Balance

Loans

12/31/24

1Q25

2Q25

3Q25

4Q25

FY 2025

FX/Other

12/31/25

1Q26

FX/Other(1)

3/31/26

Allowance for credit losses on loans (ACLL)

Services

264

(4)

(18)

327

425

Markets

1,030

(44)

(73)

(16)

1,027

(6)

1,044

Banking

1,167

137

136

389

1,578

175

(11)

1,742

Legacy Franchises corporate(Mexico SBMM and AFG(2))

(12)

121

128

Total corporate ACLL

2,556

154

259

(22)

442

3,053

299

(13)

3,339

0.95%

U.S. Cards

13,560

(169)

(12)

(102)

(239)

13,324

(2)

13,400

8.02%

Installment lending

425

(5)

(15)

(2)

(1)

422

(2)

420

Total USCC

13,985

(174)

(5)

(117)

(241)

13,746

(2)

13,820

Wealth

673

(65)

(16)

(11)

669

(1)

681

All Other—consumer

1,360

210

209

1,779

1,796

Total consumer ACLL

16,018

(52)

(16)

(41)

(42)

218

16,194

16,297

4.05%

Total ACLL

18,574

102

243

400

273

19,247

397

(8)

19,636

2.61%

Allowance for credit losses on unfunded lending commitments (ACLUC)(3)

1,601

108

(19)

100

202

1,833

184

(4)

2,013

Total ACLL and ACLUC

20,175

210

224

145

602

303

21,080

581

(12)

21,649

Other(4)(5)

2,002

388

(17)

479

(2,188)

293

302

Total ACL

22,177

244

612

219

1,081

(1,885)

21,373

584

(6)

21,951

(1)

Primarily includes FX translation on the EOP ACL balances.

(2)

See footnote 3 on page 16.

(3)

1Q26 includes a reserve build related to the forward purchase commitment of the Barclays American Airlines co-branded card portfolio.

(4)

Includes ACL activity on HTM securities and Other assets.

(5)

The decrease in the Other ACL at December 31, 2025 represents the held-for-sale accounting treatment for AO Citibank (Russia), wherein the assets and liabilities of AO Citibank were reclassified to Other assets and Other liabilities.

Reclassified to conform to the current period’s presentation.

Page 18

ALLOWANCE FOR CREDIT LOSSES ON LOANS (ACLL) AND

UNFUNDED LENDING COMMITMENTS (ACLUC)

Page 1

(In millions of dollars)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Total Citigroup

Allowance for credit losses on loans (ACLL) at beginning of period

18,574

18,726

19,123

19,206

19,247

Gross credit (losses) on loans

(2,926)

(2,723)

(2,726)

(2,724)

(2,820)

(4%)

Gross recoveries on loans

467

489

512

534

612

15%

31%

Net credit (losses) / recoveries on loans (NCLs)

(2,459)

(2,234)

(2,214)

(2,190)

(2,208)

(10%)

Replenishment of NCLs

2,459

2,234

2,214

2,190

2,208

(10%)

Net reserve builds / (releases) for loans

102

243

397

289%

Provision for credit losses on loans (PCLL)

2,561

2,477

2,259

2,200

2,605

18%

Other, net(1)(2)(3)(4)(5)(6)

154

(8)

ACLL at end of period (a)

18,726

19,123

19,206

19,247

19,636

Allowance for credit losses on unfunded lending commitments (ACLUC)(7)(8)(a)

1,720

1,721

1,820

1,833

2,013

10%

17%

Provision (release) for credit losses on unfunded lending commitments(8)

108

(19)

100

184

70%

Total allowance for credit losses on loans, leases and unfunded lending commitments [sum of (a)]

20,446

20,844

21,026

21,080

21,649

Total ACLL as a % of total loans(9)

2.70%

2.67%

2.65%

2.58%

2.61%

3 bps

(9) bps

Total NCLs (annualized) as a % of average loans

1.44%

1.26%

1.21%

1.18%

1.19%

1 bps

(25) bps

Consumer

ACLL at beginning of period

16,018

16,001

16,100

16,205

16,194

NCLs

(2,277)

(2,185)

(2,122)

(2,148)

(2,200)

(3%)

Replenishment of NCLs

2,277

2,185

2,122

2,148

2,200

(3%)

Net reserve builds / (releases) for loans

(52)

(16)

(41)

Provision for credit losses on loans (PCLL)

2,225

2,169

2,189

2,107

2,298

Other, net(1)(2)(3)(4)(5)(6)

115

(83%)

(86%)

ACLL at end of period (b)

16,001

16,100

16,205

16,194

16,297

Consumer ACLUC(7)(8)(b)

297

Provision (release) for credit losses on unfunded lending commitments(8)

(3)

(1)

(4)

274

Total allowance for credit losses on loans, leases and unfunded lending commitments [sum of (b)]

16,032

16,124

16,225

16,218

16,594

Consumer ACLL as a % of total consumer loans

4.14%

4.07%

3.96%

4.05%

9 bps

(9) bps

Consumer NCLs (annualized) as a % of average loans

2.39%

2.25%

2.12%

2.21%

9 bps

(18) bps

Corporate

ACLL at beginning of period

2,556

2,725

3,023

3,001

3,053

19%

NCLs

(182)

(49)

(92)

(42)

(8)

(81%)

(96%)

Replenishment of NCLs

182

(81%)

(96%)

Net reserve builds / (releases) for loans

154

259

(22)

299

486%

94%

Provision for credit losses on loans (PCLL)

336

308

307

230%

(9%)

Other, net(1)

(13)

ACLL at end of period (c)

2,725

3,023

3,001

3,053

3,339

23%

Corporate ACLUC(7)(c)

1,689

1,697

1,800

1,809

1,716

(5%)

Provision (release) for credit losses on unfunded lending commitments

111

(18)

104

(90)

Total allowance for credit losses on loans, leases and unfunded lending commitments [sum of (c)]

4,414

4,720

4,801

4,862

5,055

15%

Corporate ACLL as a % of total corporate loans(10)

0.89%

0.94%

0.92%

0.91%

0.95%

4 bps

6 bps

Corporate NCLs (annualized) as a % of average loans

0.24%

0.06%

0.11%

0.05%

0.01%

(4) bps

(23) bps

Footnotes to this table are on the following page (page 20).

Page 19

ALLOWANCE FOR CREDIT LOSSES ON LOANS (ACLL) AND

UNFUNDED LENDING COMMITMENTS (ACLUC)

Page 2

The following footnotes relate to the table on the preceding page (page 19):

(1)

Includes all adjustments to the allowance for credit losses, such as changes in the allowance from acquisitions, dispositions, securitizations, foreign currency translation (FX translation), purchase accounting adjustments, etc.

(2)

1Q25 primarily relates to FX translation.

(3)

2Q25 includes an approximate $25 million reclass related to Citi’s agreement to sell its Poland consumer banking business. That ACLL was transferred to Other assets beginning June 30, 2025. 2Q25 also includes FX translation.

(4)

3Q25 primarily relates to FX translation.

(5)

4Q25 primarily relates to FX translation.

(6)

1Q26 primarily relates to FX translation.

(7)

Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.

(8)

1Q26 includes a reserve build related to the forward purchase commitment of the Barclays American Airlines co-branded card portfolio.

(9)

Excludes loans that are carried at fair value of $8.2 billion, $9.3 billion, $7.9 billion, $6.9 billion, and $8.5 billion at March 31, 2025, June 30, 2025, September 30, 2025, December 31, 2025, and March 31, 2026, respectively.

(10)

Excludes loans that are carried at fair value of $7.9 billion, $9.2 billion, $7.9 billion, $6.8 billion, and $8.5 billion at March 31, 2025, June 30, 2025, September 30, 2025, December 31, 2025, and March 31, 2026, respectively.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 20

NON-ACCRUAL ASSETS

(In millions of dollars)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Corporate non-accrual loans by region(1)

North America

822

953

1,280

1,145

955

(17%)

16%

International

554

769

791

856

1,002

17%

81%

Total

1,376

1,722

2,071

2,001

1,957

(2%)

42%

Corporate non-accrual loans(1)

Banking

510

502

820

919

971

90%

Services

110

134

187

337

393

17%

257%

Markets

631

932

926

622

472

(24%)

(25%)

Mexico SBMM and AFG

125

154

138

123

121

(2%)

(3%)

Total

1,376

1,722

2,071

2,001

1,957

(2%)

42%

Consumer non-accrual loans(1)

Wealth

702

945

886

847

660

(22%)

(6%)

USCC

(5%)

17%

Mexico Consumer

416

485

526

585

577

(1%)

39%

Asia Consumer(2)

(20%)

(40%)

Legacy Holdings Assets—Consumer

172

165

157

149

144

(3%)

(16%)

Total

1,328

1,632

1,607

1,618

1,414

(13%)

Total non-accrual loans (NAL)

2,704

3,354

3,678

3,619

3,371

(7%)

25%

Other real estate owned (OREO)(3)

55%

62%

NAL as a percentage of total loans

0.39%

0.46%

0.50%

0.48%

0.44%

(4) bps

5 bps

ACLL as a percentage of NAL

693%

570%

522%

532%

582%

(1)

Corporate loans are placed on non-accrual status based on a review by Citigroup’s risk officers. Corporate non-accrual loans may still be current on interest payments. With limited exceptions, the following practices are applied for consumer loans: consumer loans, excluding credit cards and mortgages, are placed on non-accrual status at 90 days past due, and are charged off at 120 days past due; residential mortgage loans are placed on non-accrual status at 90 days past due and written down to net realizable value at 180 days past due. Consistent with industry conventions, Citigroup generally accrues interest on credit card loans until such loans are charged off, which typically occurs at 180 days contractual delinquency. As such, the non-accrual loan disclosures do not include credit card loans. The balances above represent non-accrual loans within Consumer loans and Corporate loans on the Consolidated Balance Sheet.

(2)

Asia Consumer also includes Non-accrual assets in Poland (through 1Q25) and Russia.

(3)

Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral. Also includes former premises and property for use that is no longer contemplated.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 21

COMMON EQUITY TIER 1 (CET1) CAPITAL AND

SUPPLEMENTARY LEVERAGE RATIOS

(In millions of dollars or shares, except ratios)

Mar. 31,

Jun. 30,

Sep. 30,

Dec. 31,

March 31,

CET1 Capital and Ratio and Components(1)

2025

2026(2)

Citigroup common stockholders’ equity(3)

194,125

196,931

194,038

192,304

191,478

Add: qualifying noncontrolling interests

192

200

217

226

Regulatory capital adjustments and deductions:

Less:

Accumulated net unrealized gains (losses) on cash flow hedges, net of tax

(213)

(141)

(116)

(249)

Cumulative unrealized net gain (loss) related to changes in fair value of financial liabilities attributable to own creditworthiness, net of tax

(32)

(408)

(1,443)

(1,919)

(353)

Intangible assets:

Goodwill, net of related deferred tax liabilities (DTLs)(4)

18,122

18,524

17,876

18,482

18,373

Identifiable intangible assets other than mortgage servicing rights (MSRs), net of related DTLs

3,291

3,236

3,169

3,135

3,150

Defined benefit pension plan net assets and other

1,532

1,610

1,725

1,822

1,730

Deferred tax assets (DTAs) arising from net operating loss, foreign tax credit and general business credit carry-forwards(5)

11,517

11,163

10,807

10,784

10,470

Excess over 10% / 15% limitations for other DTAs, certain common stock investments and MSRs(5)(6)

4,261

4,204

3,757

3,117

3,879

CET1 Capital

155,839

158,943

158,480

157,099

154,704

Risk-Weighted Assets (RWA)

1,162,306

1,178,756

1,194,274

1,192,174

1,216,767

CET1 Capital ratio (CET1/RWA)

13.41%

13.48%

13.27%

13.18%

12.7%

Supplementary Leverage Ratio and Components

CET1

155,839

158,943

158,480

157,099

154,704

Additional Tier 1 Capital (AT1)(7)

19,675

17,676

20,313

22,576

22,092

Total Tier 1 Capital (T1C) (CET1 + AT1)

175,514

176,619

178,793

179,675

176,796

Total Leverage Exposure (TLE)

3,033,450

3,195,323

3,236,413

3,276,212

3,372,448

Supplementary Leverage ratio (T1C/TLE)

5.79%

5.53%

5.52%

5.48%

5.2%

(1)

See footnote 2 on page 1.

(2)

March 31, 2026 is preliminary.

(3)

Excludes issuance costs related to outstanding preferred stock in accordance with Federal Reserve Board regulatory reporting requirements.

(4)

Includes goodwill “embedded” in the valuation of significant common stock investments in unconsolidated financial institutions.

(5)

Represents deferred tax excludable from Basel III CET1 Capital, which includes net DTAs arising from net operating loss, foreign tax credit, and general business credit tax carry-forwards and DTAs arising from temporary differences (future deductions) that are deducted from CET1 Capital exceeding the 10% limitation.

(6)

Assets subject to 10% / 15% limitations include MSRs, DTAs arising from temporary differences, and significant common stock investments in unconsolidated financial institutions. For all periods presented, the deduction related only to DTAs arising from temporary differences that exceeded the 10% limitation.

(7)

Additional Tier 1 Capital primarily includes qualifying noncumulative perpetual preferred stock and qualifying trust preferred securities.

Reclassified to conform to the current period’s presentation.

Page 22

TANGIBLE COMMON EQUITY (TCE), COMMON EQUITY, BOOK VALUE

PER SHARE, TANGIBLE BOOK VALUE PER SHARE (TBVPS),

RETURNS ON COMMON EQUITY (RoCE) AND

TANGIBLE COMMON EQUITY (RoTCE)

(In millions of dollars or shares, except per share amounts and ratios)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Tangible Common Equity, Book Value Per Share and Tangible Book Value Per Share

Common stockholders’ equity

194,058

196,872

193,973

192,241

191,409

(1%)

Less:

Goodwill

19,422

19,878

19,126

19,098

18,997

Identifiable intangible assets (other than MSRs)

3,679

3,639

3,582

3,525

3,539

Goodwill and identifiable intangible assets (other than MSRs) related to businesses HFS

Tangible common equity (TCE)(1)

170,941

173,339

171,265

169,618

168,873

(1%)

Common shares outstanding (CSO)

1,867.7

1,840.9

1,789.3

1,747.5

1,705.6

(2%)

(9%)

Book value per share (common equity/CSO)

103.90

106.94

108.41

110.01

112.22

Tangible book value per share (TCE/CSO)(1)

91.52

94.16

95.72

97.06

99.01

Return on Common Equity (RoCE) and Return on Tangible Common Equity (RoTCE)

Net income (loss)

4,064

4,019

3,752

2,471

5,785

Preferred dividends

269

287

274

284

305

Net income (loss) available to common shareholders

3,795

3,732

3,478

2,187

5,480

Average common stockholders’ equity

191,794

195,622

195,471

193,205

192,606

Less:

Average goodwill and intangibles

22,474

23,482

23,169

22,763

23,360

Average TCE

169,320

172,140

172,302

170,442

169,246

(1%)

RoCE

8.0%

7.7%

7.1%

4.5%

11.5%

700 bps

350 bps

RoTCE

9.1%

8.7%

8.0%

5.1%

13.1%

800 bps

400 bps

Average TCE(in billions of dollars)(1)(2)

Services

33.0

33.5

Markets

53.5

56.4

Banking

9.2

7.8

(15%)

Wealth

15.4

16.2

USCC

20.3

15.5

(24%)

All Other

37.9

40.7

40.9

39.0

39.8

Total Citi average TCE

169.3

172.1

172.3

170.4

169.2

(1%)

Add:

Average goodwill

18.8

19.8

19.6

19.2

19.9

Average intangible assets (other than MSRs)

3.7

3.6

3.5

Total Citi average common stockholders’ equity(in billions of dollars)

191.8

195.6

195.5

193.2

192.6

Income (loss) available to common shareholders(in billions of dollars)(3)

Services

1.8

1.7

2.1

2.5

2.2

(12%)

22%

Markets

1.8

1.7

0.8

2.6

225%

44%

Banking

0.2

0.1

0.3

0.4

0.3

(25%)

50%

Wealth

0.2

0.4

0.3

0.4

33%

100%

USCC

0.8

0.9

0.7

(22%)

(13%)

All Other—managed basis(3)

(1.0)

(0.9)

(1.0)

(2.6)

(0.7)

73%

30%

Reconciling Items—divestiture-related impacts(4)

(0.2)

(0.8)

(0.1)

100%

Total Citi income (loss) available to common shareholders(3)

3.8

3.7

3.5

2.2

5.5

150%

45%

RoTCE(1)

Services

22.5%

20.8%

25.0%

30.0%

27.0%

(300) bps

450 bps

Markets

14.0%

13.5%

12.6%

6.2%

18.7%

1,250 bps

470 bps

Banking

9.8%

4.1%

11.6%

15.3%

15.8%

50 bps

600 bps

Wealth

5.0%

10.0%

7.8%

7.7%

10.8%

310 bps

580 bps

USCC

16.7%

15.0%

18.2%

17.3%

19.2%

190 bps

250 bps

All Other—managed basis(3)

(12.0%)

(8.3%)

(10.0%)

(26.2%)

(8.1%)

Reconciling Items—divestiture-related impacts(4)

N/A

Total Citi RoTCE

9.1%

8.7%

8.0%

5.1%

13.1%

800 bps

400 bps

(1)

TCE, TBVPS, and RoTCE are non-GAAP financial measures. RoTCE represents annualized net income available to common shareholders as a percentage of average TCE.

(2)

Tangible Common Equity is allocated to each segment based on Citi’s allocation methodology, which incorporates Basel III standardized risk-weighted assets, the global systemically important banks (GSIB) surcharge, and a simulation of TCE in severe stress environments, as well as a leverage component. The allocation methodology, including underlying assumptions and judgments used to allocate TCE, is periodically reassessed and as a result, the TCE allocated to the segments may change.

(3)

Represents Net income (loss), less Preferred Stock dividends. See table above for dividend amounts.

(4)

Reconciling Items consist of the divestiture-related impacts excluded from the results of All Other, as well as All Other—Legacy Franchises on a managed basis. For a reconciliation of these results, see page 14.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 23

FX Impact

(In millions of dollars)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Foreign currency (FX) translation impact

Total Citigroup

Total revenues—as reported

21,596

21,668

22,090

19,871

24,633

24%

14%

Impact of FX translation(1)

512

219

222

159

Total revenues—Ex-FX(1)

22,108

21,887

22,312

20,030

24,633

23%

11%

Total operating expenses—as reported

13,425

13,577

14,290

13,840

14,311

Impact of FX translation(1)

433

136

161

123

Total operating expenses—Ex-FX(1)

13,858

13,713

14,451

13,963

14,311

Total provisions for credit losses and PBC—as reported

2,723

2,872

2,450

2,220

2,805

26%

Impact of FX translation(1)

Total provisions for credit losses and PBC—Ex-FX(1)

2,810

2,909

2,471

2,240

2,805

25%

Total EBIT—as reported

5,448

5,219

5,350

3,811

7,517

97%

38%

Impact of FX translation(1)

(8)

Total EBIT—Ex-FX(1)

5,440

5,265

5,390

3,827

7,517

96%

38%

Total EOP Loans—as reported

702

725

734

752

762

Impact of FX translation(1)

(1)

(2)

Total EOP Loans—Ex-FX(1)

710

724

732

750

762

Total EOP Deposits—as reported

1,316

1,358

1,384

1,404

1,446

10%

Impact of FX translation(1)

(5)

(4)

(5)

Total EOP Deposits—Ex-FX(1)

1,333

1,353

1,380

1,399

1,446

Total Average Loans—as reported

691

712

725

737

755

Impact of FX translation(1)

Total Average Loans—Ex-FX(1)

704

718

727

739

755

Total Average Deposits—as reported

1,305

1,343

1,382

1,422

1,446

11%

Impact of FX translation(1)

Total Average Deposits—Ex-FX(1)

1,335

1,355

1,387

1,428

1,446

Legacy Franchises—Mexico Consumer/SBMM

All Other—Legacy Franchises (LF) Mexico Consumer/SBMM revenues—as reported

1,467

1,536

1,722

1,775

2,054

16%

40%

Impact of FX translation(1)

220

127

All Other—LF Mexico Consumer/SBMM revenues—Ex-FX(1)

1,687

1,663

1,814

1,842

2,054

12%

22%

All Other—LF Mexico Consumer/SBMM expenses—as reported

1,060

984

1,772

962

1,181

23%

11%

Impact of FX translation(1)

179

107

All Other—LF Mexico Consumer/SBMM expenses—Ex-FX(1)

1,239

1,079

1,879

1,002

1,181

18%

(5%)

(1)

Reflects the impact of foreign currency (FX) translation into U.S. dollars applying the first quarter of 2026 average exchange rates for all quarterly periods, with the exception of EOP loans and deposits, which were calculated based on exchange rates as of March 31, 2026. Citi’s results excluding the impact of FX translation are non-GAAP financial measures.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 24

Reconciliation of Adjusted Results (Page 1)

(In millions of dollars, except per share amounts and as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Total Citigroup revenues, net interest income (NII) and non-interest revenues (NIR)

Total Citigroup revenues—as reported

21,596

21,668

22,090

19,871

24,633

24%

14%

Less:

Total divestiture-related Impacts on revenues(1)

(177)

(1)

Total Citigroup revenues, excluding divestitures impacts(*)

21,596

21,845

22,088

19,872

24,620

24%

14%

Total Citigroup revenues—as reported

21,596

21,668

22,090

19,871

24,633

24%

14%

Less:

Notable item—Russia HFS accounting treatment loss impact on revenues(2)

(1,173)

Total Citigroup revenues, excluding notable item(s) impact(*)

21,596

21,668

22,090

21,044

24,633

17%

14%

Total Citigroup net interest income (NII)—as reported

14,012

15,175

14,940

15,665

15,741

12%

Markets NII(3)

1,924

2,824

2,178

2,761

2,797

Citigroup NII ex-Markets(*)

12,088

12,351

12,762

12,904

12,944

Total Citigroup non-interest revenue (NIR)—as reported

7,584

6,493

7,150

4,206

8,892

111%

17%

Markets NIR(3)

4,151

3,156

3,567

1,848

4,449

Citigroup NIR ex-Markets(*)

3,433

3,337

3,583

2,358

4,443

88%

29%

Less:

Notable item—Russia HFS accounting treatment loss impact on revenues(4)

(1,192)

Citigroup NIR ex-Markets, excluding notable item(s) impact(*)

3,433

3,337

3,583

3,550

4,443

25%

29%

Total Citigroup operating expenses

Total Citigroup operating expenses—as reported

13,425

13,577

14,290

13,840

14,311

Less:

Notable item—Mexico goodwill impairment charge impact on operating expenses(5)

726

Total Citigroup operating expenses, excluding notable item(s)(*)

13,425

13,577

13,564

13,840

14,311

Total Citigroup revenues—as reported

21,596

21,668

22,090

19,871

24,633

24%

14%

Total Citigroup operating expenses—as reported

13,425

13,577

14,290

13,840

14,311

Total Citigroup efficiency ratio—as reported

62.2%

62.7%

64.7%

69.6%

58.1%

(1,150) bps

(410) bps

Less:

Notable item(s) impact(s) on revenues(2)

(1,173)

Total Citigroup revenues, excluding notable item(s)(*)

21,596

21,668

22,090

21,044

24,633

17%

14%

Less:

Notable item(s) impact(s) on operating expenses(5)

726

Total Citigroup operating expenses, excluding notable item(s)(*)

13,425

13,577

13,564

13,840

14,311

Total Citigroup efficiency ratio, excluding notable item(s)(*)

62.2%

62.7%

61.4%

65.8%

58.1%

(770) bps

(410) bps

Represents a non-GAAP financial measure.

(1)

See footnote 2 on page 14 for details.

(2)

See footnote 4 on page 12 for details.

(3)

See page 6 for details.

(4)

See footnote 4 on page 12 for details. The amount on this line adds the $19 million impact for Markets because it is already deducted in the Citigroup ex-Markets NIR number above.

(5)

See footnote 4 on page 14 for details.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 25

Reconciliation of Adjusted Results (Page 2)

(In millions of dollars, except per share amounts and as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Total Citigroup operating expenses

Total Citigroup other operating expenses(1)—as reported

2,483

2,472

3,386

3,168

2,369

(25%)

(5%)

Less:

Notable item—Mexico goodwill impairment charge impact on other operating expenses(2)

726

Total Citigroup other operating expenses, excluding notable item(s)(*)

2,483

2,472

2,660

3,168

2,369

(25%)

(5%)

Notable items adjustments

Total Citigroup net income—as reported

4,064

4,019

3,752

2,471

5,785

134%

42%

Less notable items:

Russia HFS accounting treatment loss impact on net income(3)

(1,123)

Mexico goodwill impairment charge impact on net income(2)

(714)

Total Citigroup net income, excluding notable Item(s)(*)

4,064

4,019

4,466

3,594

5,785

61%

42%

Total Citigroup diluted EPS—as reported

1.96

1.86

1.19

3.06

157%

56%

Less:

Notable item(s)(2)(3)

(0.38)

(0.62)

Total Citigroup diluted EPS, excluding notable item(s)(*)

1.96

2.24

1.81

3.06

69%

56%

Total Citigroup diluted EPS—as reported

1.96

1.86

1.19

3.06

157%

56%

Less:

Notable item—Russia HFS accounting treatment loss impact on net income(3)

(0.62)

Total Citigroup diluted EPS, excluding notable item(*)

1.96

1.86

1.81

3.06

69%

56%

Total Citigroup RoCE—as reported

8.0%

7.7%

7.1%

4.5%

11.5%

700 bps

350 bps

Less:

Notable item(s)(2)(3)

0 bps

(140) bps

(230) bps

0 bps

Total Citigroup RoCE, excluding notable items(*)

8.0%

7.7%

8.5%

6.8%

11.5%

470 bps

350 bps

Total Citigroup RoTCE—as reported

9.1%

8.7%

8.0%

5.1%

13.1%

800 bps

400 bps

Less:

Notable item(s)(2)(3)

0 bps

(170) bps

(260) bps

0 bps

Total Citigroup RoTCE, excluding notable items(*)

9.1%

8.7%

9.7%

7.7%

13.1%

540 bps

400 bps

All Other (managed basis)(4)(*)

All Other revenues—managed basis(*)

1,463

1,716

1,471

(208)

1,682

15%

Add:

Total divestiture-related impacts on revenues(5)

(177)

(1)

All Other revenues—U.S. GAAP

1,463

1,539

1,473

(209)

1,695

16%

All Other operating expenses—managed basis(*)

2,226

2,277

2,169

2,026

2,144

(4%)

Add:

Total divestiture-related impacts on operating expenses(6)

766

All Other operating expenses—U.S. GAAP

2,260

2,314

2,935

2,066

2,175

(4%)

All Other provisions for credit losses—managed basis(*)

359

374

331

449

400

(11%)

11%

Add:

Total divestiture-related impacts on provisions for credit losses

(11)

(3)

(1)

All Other provisions for credit losses—U.S. GAAP

348

379

328

448

401

(10%)

15%

All Other EBIT—managed basis(*)

(1,122)

(935)

(1,029)

(2,683)

(862)

68%

23%

Add:

Total divestiture-related impacts on revenues(5)

(177)

(1)

Total divestiture-related impacts on operating expenses(6)

(34)

(37)

(766)

(40)

(31)

Total divestiture-related impacts on provisions for credit losses

(5)

(1)

All Other EBIT—U.S. GAAP

(1,145)

(1,154)

(1,790)

(2,723)

(881)

68%

23%

Represents a non-GAAP financial measure.

(1)

Other operating expenses include the following expense line items: Premises and equipment, Professional services, Advertising and marketing, and Other operating expenses.

(2)

See footnote 4 on page 14 for details.

(3)

See footnote 4 on page 12 for details.

(4)

(5)

See footnote 2 on page 14 for details.

(6)

See footnotes 2, 3, 4, 5, and 6 on page 14 for details.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 26

Reconciliation of Adjusted Results (Page 3)

(In millions of dollars, except as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

All Other (managed basis)(1)(*)

All Other net income (loss)—managed basis

(856)

(552)

(756)

(2,290)

(494)

78%

42%

Add:

Total divestiture-related impacts on revenue(2)

(177)

(1)

Total divestiture-related impacts on operating expenses(3)

(34)

(37)

(766)

(40)

(31)

Total divestiture-related impacts on provisions for credit losses

(5)

(1)

Total divestiture-related impacts on income taxes

(16)

(70)

All Other net income (loss)—U.S. GAAP

(871)

(732)

(1,533)

(2,400)

(506)

79%

42%

Legacy Franchises (LF) (managed basis)(1)(*)

Legacy Franchises revenues (managed basis)—as reported

1,621

1,691

1,871

329

2,161

33%

Less:

Notable item—portion of Russia HFS accounting treatment loss impact on LF revenues(4)

(1,556)

LF revenues, excluding notable item(s) impact(*)

1,621

1,691

1,871

1,885

2,161

15%

33%

LF revenues—managed basis(*)

1,621

1,691

1,871

329

2,161

33%

Add:

Total divestiture-related impacts on revenues(2)

(177)

(1)

LF revenues—U.S. GAAP

1,621

1,514

1,873

328

2,174

34%

LF operating expenses—managed basis(*)

1,334

1,287

1,320

1,222

1,324

(1%)

Add:

Total divestiture-related impacts on operating expenses(3)

766

LF operating expenses—U.S. GAAP

1,368

1,324

2,086

1,262

1,355

(1%)

LF provisions for credit losses—managed basis(*)

358

371

327

447

409

(9%)

14%

Add:

Total divestiture-related impacts on provisions for credit losses

(11)

(3)

(1)

LF provisions for credit losses—U.S. GAAP

347

376

324

446

410

(8%)

18%

LF EBIT—managed basis(*)

(71)

224

(1,340)

428

Add:

Total divestiture-related impacts on revenue(2)

(177)

(1)

Total divestiture-related impacts on operating expenses(3)

(34)

(37)

(766)

(40)

(31)

Total divestiture-related impacts on provisions for credit losses

(5)

(1)

LF EBIT—U.S. GAAP

(94)

(186)

(537)

(1,380)

409

LF net income (loss)—managed basis(*)

(60)

155

(1,496)

177

Add:

Total divestiture-related impacts on revenue(2)

(177)

(1)

Total divestiture-related impacts on operating expenses(3)

(34)

(37)

(766)

(40)

(31)

Total divestiture-related impacts on provisions for credit losses

(5)

(1)

Total divestiture-related impacts on income taxes

(16)

(70)

LF net income (loss)—U.S. GAAP

(75)

(120)

(622)

(1,606)

165

Represents a non-GAAP financial measure.

(1)

(2)

See footnote 2 on page 14 for details.

(3)

See footnotes 2, 3, 4, 5, and 6 on page 14 for details.

(4)

See footnote 4 on page 12 for details.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 27

Reconciliation of Adjusted Results (Page 4)

(In millions of dollars, except as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Services

Services revenues—as reported

5,204

5,430

5,730

6,272

6,103

(3%)

17%

Less:

Notable item—portion of Russia HFS accounting treatment impact on services revenues(1)

356

Services revenues, excluding notable item(s) impact(*)

5,204

5,430

5,730

5,916

6,103

17%

Services non-interest revenue (NIR)—as reported

1,706

1,800

1,907

2,222

1,960

(12%)

15%

Less:

Notable item—portion of Russia HFS accounting treatment impact on services revenues(1)

356

Services NIR, excluding notable item(s) impact(*)

1,706

1,800

1,907

1,866

1,960

15%

Banking—Corporate Lending revenues

Banking—Corporate Lending revenues—as reported

416

361

409

417

441

Gain (loss) on loan hedges(2)

(62)

(44)

(26)

Banking—Corporate Lending revenues—excluding gain (loss) on loan hedges(*)

402

423

453

443

391

(12%)

(3%)

Represents a non-GAAP financial measure.

(1)

See footnote 4 on page 12 for details.

(2)

See page 7 for details.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 28

Reconciliation of Adjusted Results (Page 5)

(In millions of dollars, or as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Total Citigroup revenues

Total Citigroup revenues—as reported

21,596

21,668

22,090

19,871

24,633

24%

14%

Less:

Total divestiture-related impacts on revenues(2)

(177)

(1)

Notable item—Russia HFS accounting treatment loss impact on revenues(3)

(1,173)

Total Citigroup revenues, excluding divestitures impacts and Russia loss(*)

21,596

21,845

22,088

21,045

24,620

17%

14%

Total Citigroup operating expenses—as reported

13,425

13,577

14,290

13,840

14,311

Less:

Total divestiture-related impacts on expenses(4)

766

FDIC special assessment(5)

(20)

(47)

(191)

Total Citigroup operating expenses, excluding divestitures impacts and FDIC special assessment(5)(*)

13,371

13,560

13,571

13,991

14,280

Total Citigroup operating expenses—as reported

13,425

13,577

14,290

13,840

14,311

Less:

Goodwill impairment(6)

726

Total Citigroup operating expenses, excluding goodwill impairment(*)

13,425

13,577

13,564

13,840

14,311

Total Citigroup RoCE and RoTCE

Total Citigroup RoCE—as reported

8.0%

7.7%

7.1%

4.5%

11.5%

700 bps

350 bps

Less:

Notable item—Russia HFS accounting treatment loss impact on net income(3)

0 bps

(230) bps

0 bps

Total Citigroup RoCE, excluding notable item(*)

8.0%

7.7%

7.1%

6.8%

11.5%

470 bps

350 bps

Total Citigroup RoTCE—as reported

9.1%

8.7%

8.0%

5.1%

13.1%

800 bps

400 bps

Less:

Notable item—Russia HFS accounting treatment loss impact on net income(3)

0 bps

(260) bps

0 bps

Total Citigroup RoTCE, excluding notable item(*)

9.1%

8.7%

8.0%

7.7%

13.1%

540 bps

400 bps

Represents a non-GAAP financial measure.

(1)

Not used.

(2)

See footnote 2 on page 14 for details.

(3)

See footnote 4 on page 12 for details.

(4)

See footnotes 2, 3, 4, 5, and 6 on page 14 for details.

(5)

Federal Deposit Insurance Corporation (FDIC) Special Assessment.

(6)

See footnote 4 on page 14 for details.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 29

Reconciliation of Adjusted Results (Page 6)

(In millions of dollars, except as otherwise noted)

1Q26 Increase/

(Decrease) from

2025

2026

4Q25

1Q25

Legacy Franchises (LF) exits contribution(1)

Revenues

Closed or signed markets revenues—Ex-divestitures

108

118

122

(1,456)

(29%)

Add:

Divestiture-related impacts on closed or signed markets revenues

(177)

(1)

Closed or signed markets revenues—U.S. GAAP

108

(59)

124

(1,457)

(17%)

Mexico Consumer/SBMM revenues—Ex-divestitures

1,467

1,536

1,722

1,775

2,054

16%

40%

Add:

Divestiture-related impacts on Mexico/SBMM

Mexico Consumer/SBMM revenues—U.S. GAAP

1,467

1,536

1,722

1,775

2,054

16%

40%

Wind-downs/sale/other revenues—Ex-divestitures

200%

(35%)

Add:

Divestiture-related impacts on wind-downs/sale/other revenues

Wind-downs/sale/other revenues—U.S. GAAP

200%

(35%)

Expenses

Closed or signed markets expenses—Ex-divestitures

135

161

133

108

(31%)

(44%)

Add:

Divestiture-related impacts on closed or signed markets expenses

Closed or signed markets expenses—U.S. GAAP

145

168

137

116

(31%)

(45%)

Mexico Consumer/SBMM expenses—Ex-divestitures

1,039

954

1,013

928

1,157

25%

11%

Add:

Divestiture-related impacts on Mexico/SBMM

759

Mexico Consumer/SBMM expenses—U.S. GAAP

1,060

984

1,772

962

1,181

23%

11%

Wind-downs/sale/other expenses—Ex-divestitures

160

172

174

186

(51%)

(43%)

Add:

Divestiture-related impacts on wind-downs/sale/other expenses

(2)

Wind-downs/sale/other expenses—U.S. GAAP

163

172

177

184

(49%)

(42%)

(1)

For this presentation, AO Citibank (Russia) has been classified as “Closed or signed markets” for all periods presented. Citi’s 4Q25 Financial Data Supplement (issued on January 14, 2026) had AO Citibank (Russia) classified as “Wind-down/sale/other” because the sale of AO Citibank (Russia) was not signed and closed until February 18, 2026.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 30

EX-99.3

Filename: c-20260414xex99d3.htm · Sequence: 4

Citigroup Inc._April 14, 2026

Exhibit 99.3

Citigroup Inc. securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:

Title of each class

Ticker

Symbol(s)

Title for iXBRL

Name of each

exchange on

which

registered

Common Stock, par value $.01 per share

New York Stock Exchange

Depositary Shares, each representing a 1/1,000th interest in a share of 6.250% Noncumulative Preferred Stock, Series II

C PR R

Dep Shs, represent 1/1,000th interest in a share of 6.250% Noncum Pref Stk, Ser II

New York Stock Exchange

7.625% Trust Preferred Securities of Citigroup Capital III (and registrant’s guaranty with respect thereto)

C/36Y

7.625% TRUPs of Cap III (and registrant’s guaranty)

New York Stock Exchange

7.875% Fixed Rate / Floating Rate Trust Preferred Securities (TruPS®) of Citigroup Capital XIII (and registrant’s guaranty with respect thereto)

C N

7.875% FXD / FRN TruPS of Cap XIII (and registrant’s guaranty)

New York Stock Exchange

Medium-Term Senior Notes, Series N, Callable Fixed Rate Notes Due April 26, 2028 of CGMHI (and registrant’s guaranty with respect thereto)

C/28

MTN, Series N, Callable Fixed Rate Notes Due Apr 2028 of CGMHI (and registrant’s guaranty)

New York Stock Exchange

Medium-Term Senior Notes, Series N, Floating Rate Notes Due September 17, 2026 of CGMHI (and registrant’s guaranty with respect thereto)

C/26

MTN, Series N, Floating Rate Notes Due Sept 2026 of CGMHI (and registrant’s guaranty)

New York Stock Exchange

Medium-Term Senior Notes, Series N, Floating Rate Notes Due September 15, 2028 of CGMHI (and registrant’s guaranty with respect thereto)

C/28A

MTN, Series N, Floating Rate Notes Due Sept 2028 of CGMHI (and registrant’s guaranty)

New York Stock Exchange

Medium-Term Senior Notes, Series N, Floating Rate Notes Due October 6, 2028 of CGMHI (and registrant’s guaranty with respect thereto)

C/28B

MTN, Series N, Floating Rate Notes Due Oct 2028 of CGMHI (and registrant’s guaranty)

New York Stock Exchange

Medium-Term Senior Notes, Series N, Floating Rate Notes Due March 21, 2029 of CGMHI (and registrant’s guaranty with respect thereto)

C/29A

MTN, Series N, Floating Rate Notes Due Mar 2029 of CGMHI (and registrant’s guaranty)

New York Stock Exchange

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Document and Entity Information

Apr. 14, 2026

Document Type

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Apr. 14, 2026

Entity File Number

1-9924

Entity Registrant Name

Citigroup Inc.

Entity Incorporation, State or Country Code

Entity Tax Identification Number

52-1568099

Entity Address, Address Line One

388 Greenwich Street

Entity Address, City or Town

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Entity Address, State or Province

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Trading Symbol

C PR R

Security Exchange Name

NYSE

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Title of 12(b) Security

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Trading Symbol

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Security Exchange Name

NYSE

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Trading Symbol

C N

Security Exchange Name

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Title of 12(b) Security

MTN, Series N, Callable Fixed Rate Notes Due Apr 2028 of CGMHI (and registrant’s guaranty)

Trading Symbol

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Security Exchange Name

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Title of 12(b) Security

MTN, Series N, Floating Rate Notes Due Sept 2026 of CGMHI (and registrant’s guaranty)

Trading Symbol

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Security Exchange Name

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Series N Medium Term Senior Notes Due Sept 2028 [Member]

Title of 12(b) Security

MTN, Series N, Floating Rate Notes Due Sept 2028 of CGMHI (and registrant’s guaranty)

Trading Symbol

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Security Exchange Name

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Series N Medium Term Senior Notes Due Oct 2028 [Member]

Title of 12(b) Security

MTN, Series N, Floating Rate Notes Due Oct 2028 of CGMHI (and registrant’s guaranty)

Trading Symbol

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Security Exchange Name

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