<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:9de05f60-4f05-4340-af4c-ad436a5dafd5,g:896f13ee-ff20-4e62-af4c-29b54f8158aa-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="https://xbrl.org/2023/arcrole/summation-item" xlink:type="simple" xlink:href="https://www.xbrl.org/2023/calculation-1.1.xsd#summation-item"/>
  <link:roleRef roleURI="http://www.citigroup.com/role/CONSOLIDATEDSTATEMENTOFINCOMEUNAUDITED" xlink:type="simple" xlink:href="c-20260331.xsd#CONSOLIDATEDSTATEMENTOFINCOMEUNAUDITED"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/CONSOLIDATEDSTATEMENTOFINCOMEUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_6516f286-7343-4aa8-95c2-44f6b6657d4f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_60d78845-0938-4c6c-973b-f0adb6956815" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareDiluted_6516f286-7343-4aa8-95c2-44f6b6657d4f" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_60d78845-0938-4c6c-973b-f0adb6956815" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_905fa0b6-e4f3-46bc-b60c-d766fced5183" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareDiluted_6516f286-7343-4aa8-95c2-44f6b6657d4f" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_905fa0b6-e4f3-46bc-b60c-d766fced5183" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_580d467c-3d85-4e3f-b8a9-4621ca262f19" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_fc435f1e-ba1b-49a4-8155-2f763c5a7dbc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_580d467c-3d85-4e3f-b8a9-4621ca262f19" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_fc435f1e-ba1b-49a4-8155-2f763c5a7dbc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_091bb50d-0c1e-47ad-ba0d-9f6ddf482898" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_580d467c-3d85-4e3f-b8a9-4621ca262f19" xlink:to="loc_us-gaap_NoninterestIncome_091bb50d-0c1e-47ad-ba0d-9f6ddf482898" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_ProvisionForCreditLossBenefitsAndClaimsExpenseReversal_1c875239-1182-4840-be87-431862ee470c" xlink:href="c-20260331.xsd#c_ProvisionForCreditLossBenefitsAndClaimsExpenseReversal"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_38b55cf0-87ca-4c3b-bcf5-15d2afabf1e0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_ProvisionForCreditLossBenefitsAndClaimsExpenseReversal_1c875239-1182-4840-be87-431862ee470c" xlink:to="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_38b55cf0-87ca-4c3b-bcf5-15d2afabf1e0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_258639f9-0e1c-49ae-83f1-fa3595f30826" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_ProvisionForCreditLossBenefitsAndClaimsExpenseReversal_1c875239-1182-4840-be87-431862ee470c" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_258639f9-0e1c-49ae-83f1-fa3595f30826" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_FinancingReceivableOtherAssetsCreditLossExpenseReversal_701741d3-f54e-46e6-9e9a-cc582409c938" xlink:href="c-20260331.xsd#c_FinancingReceivableOtherAssetsCreditLossExpenseReversal"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_ProvisionForCreditLossBenefitsAndClaimsExpenseReversal_1c875239-1182-4840-be87-431862ee470c" xlink:to="loc_c_FinancingReceivableOtherAssetsCreditLossExpenseReversal_701741d3-f54e-46e6-9e9a-cc582409c938" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal_fc553056-46af-4e4d-8f7b-afef52af5043" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_ProvisionForCreditLossBenefitsAndClaimsExpenseReversal_1c875239-1182-4840-be87-431862ee470c" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal_fc553056-46af-4e4d-8f7b-afef52af5043" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_5a688c47-f347-472f-ae6a-3f472c818926" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_ProvisionForCreditLossBenefitsAndClaimsExpenseReversal_1c875239-1182-4840-be87-431862ee470c" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_5a688c47-f347-472f-ae6a-3f472c818926" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_5180f3c3-4b49-4d61-aa53-e2b1f3072d1b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax_58f53037-9f7d-47cb-85f8-e1b27585f7d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_5180f3c3-4b49-4d61-aa53-e2b1f3072d1b" xlink:to="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax_58f53037-9f7d-47cb-85f8-e1b27585f7d7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation_3c326fb5-86f8-474c-a186-35114398a4a2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_5180f3c3-4b49-4d61-aa53-e2b1f3072d1b" xlink:to="loc_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation_3c326fb5-86f8-474c-a186-35114398a4a2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_9991390c-b68a-400d-97a8-bddf20196628" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_d5343791-a5a8-42c6-a87d-4332d0601902" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_9991390c-b68a-400d-97a8-bddf20196628" xlink:to="loc_us-gaap_ProfitLoss_d5343791-a5a8-42c6-a87d-4332d0601902" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_4ce5c9fd-2add-4c5a-93ae-7d5e15937f18" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_9991390c-b68a-400d-97a8-bddf20196628" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_4ce5c9fd-2add-4c5a-93ae-7d5e15937f18" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_204f6fdc-2b22-4038-8335-de982634ad44" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_a9cc130c-9244-46c0-a4ba-965fbdbd0ba4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_204f6fdc-2b22-4038-8335-de982634ad44" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_a9cc130c-9244-46c0-a4ba-965fbdbd0ba4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_b2ca1a3c-cd72-42ec-aa27-ee16d293e5b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperating"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_204f6fdc-2b22-4038-8335-de982634ad44" xlink:to="loc_us-gaap_InterestExpenseOperating_b2ca1a3c-cd72-42ec-aa27-ee16d293e5b1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_d5d7d5b6-8c21-4fbd-b642-4f9daf3b63d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OccupancyNet_4d077461-78ca-40f6-9ba9-6e03b3d1f209" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OccupancyNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_d5d7d5b6-8c21-4fbd-b642-4f9daf3b63d4" xlink:to="loc_us-gaap_OccupancyNet_4d077461-78ca-40f6-9ba9-6e03b3d1f209" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoninterestExpense_f4948e78-6f50-4783-90f4-4481f1577822" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherNoninterestExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_d5d7d5b6-8c21-4fbd-b642-4f9daf3b63d4" xlink:to="loc_us-gaap_OtherNoninterestExpense_f4948e78-6f50-4783-90f4-4481f1577822" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_TransactionalAndProductServicing_39888e57-ba8d-48b7-8224-fadbe80c4ad0" xlink:href="c-20260331.xsd#c_TransactionalAndProductServicing"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_d5d7d5b6-8c21-4fbd-b642-4f9daf3b63d4" xlink:to="loc_c_TransactionalAndProductServicing_39888e57-ba8d-48b7-8224-fadbe80c4ad0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommunicationsAndInformationTechnology_e2ced939-0ac5-4773-8e2e-f8782e6a98ce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommunicationsAndInformationTechnology"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_d5d7d5b6-8c21-4fbd-b642-4f9daf3b63d4" xlink:to="loc_us-gaap_CommunicationsAndInformationTechnology_e2ced939-0ac5-4773-8e2e-f8782e6a98ce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_76fd2afd-53eb-4695-a042-ee7b1f96bb0a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_d5d7d5b6-8c21-4fbd-b642-4f9daf3b63d4" xlink:to="loc_us-gaap_LaborAndRelatedExpense_76fd2afd-53eb-4695-a042-ee7b1f96bb0a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketingAndAdvertisingExpense_fbc0364a-5709-4662-8db9-a7855c272811" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MarketingAndAdvertisingExpense"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_d5d7d5b6-8c21-4fbd-b642-4f9daf3b63d4" xlink:to="loc_us-gaap_MarketingAndAdvertisingExpense_fbc0364a-5709-4662-8db9-a7855c272811" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees_bdcab125-399a-42e5-8c7a-fd2af36327da" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfessionalFees"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_d5d7d5b6-8c21-4fbd-b642-4f9daf3b63d4" xlink:to="loc_us-gaap_ProfessionalFees_bdcab125-399a-42e5-8c7a-fd2af36327da" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_72a1df84-6bc7-4b7f-831e-de0edfbd20f5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_ProvisionForCreditLossBenefitsAndClaimsExpenseReversal_73b6b74f-7aa6-4073-9ee8-38801d77ee2d" xlink:href="c-20260331.xsd#c_ProvisionForCreditLossBenefitsAndClaimsExpenseReversal"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_72a1df84-6bc7-4b7f-831e-de0edfbd20f5" xlink:to="loc_c_ProvisionForCreditLossBenefitsAndClaimsExpenseReversal_73b6b74f-7aa6-4073-9ee8-38801d77ee2d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_a31f4cef-5cdc-43ed-97ee-81f0b57dce57" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromEquityMethodInvestments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_72a1df84-6bc7-4b7f-831e-de0edfbd20f5" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_a31f4cef-5cdc-43ed-97ee-81f0b57dce57" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_a6fa7de8-0a21-4b3b-b68a-95b25487a7ac" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpense"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_72a1df84-6bc7-4b7f-831e-de0edfbd20f5" xlink:to="loc_us-gaap_NoninterestExpense_a6fa7de8-0a21-4b3b-b68a-95b25487a7ac" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_6ca1dd5a-a431-4b59-9140-904b827776a7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_72a1df84-6bc7-4b7f-831e-de0edfbd20f5" xlink:to="loc_us-gaap_Revenues_6ca1dd5a-a431-4b59-9140-904b827776a7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_78ae69be-ae4a-402c-9a8e-edd92f51876b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_4c7060a1-8cb1-45f7-aed2-f58725205f03" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_78ae69be-ae4a-402c-9a8e-edd92f51876b" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_4c7060a1-8cb1-45f7-aed2-f58725205f03" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_9b5f178d-6956-43ff-8910-6227e4234930" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_78ae69be-ae4a-402c-9a8e-edd92f51876b" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_9b5f178d-6956-43ff-8910-6227e4234930" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_5307425f-d728-4f62-9701-4e41a2721a74" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_967246d5-5bc6-44c3-aac7-9e29a5b8968a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsPerBasicShare"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareBasic_5307425f-d728-4f62-9701-4e41a2721a74" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_967246d5-5bc6-44c3-aac7-9e29a5b8968a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_bd734e0c-f23c-44b6-9f80-5d5a5c65a5c6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareBasic_5307425f-d728-4f62-9701-4e41a2721a74" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_bd734e0c-f23c-44b6-9f80-5d5a5c65a5c6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_3b551dd8-a1b9-4389-b915-7dc1b61adf03" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_5e9737b3-0501-4e97-8840-8a0040ac33b0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_3b551dd8-a1b9-4389-b915-7dc1b61adf03" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_5e9737b3-0501-4e97-8840-8a0040ac33b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_c681599d-1361-4e53-b350-634488eb600d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_3b551dd8-a1b9-4389-b915-7dc1b61adf03" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_c681599d-1361-4e53-b350-634488eb600d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_62a5914a-6a73-4e5f-8031-8e725f3d6069" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_OtherthanTemporaryImpairmentLossesInvestmentsPortionRecognizedinEarningsNetEquityMethodInvestmentOtherthanTemporaryImpairmentAndInvestmentImpairmentMeasurementAlternative_5565022d-4840-46e5-9aba-a1fee6a04be4" xlink:href="c-20260331.xsd#c_OtherthanTemporaryImpairmentLossesInvestmentsPortionRecognizedinEarningsNetEquityMethodInvestmentOtherthanTemporaryImpairmentAndInvestmentImpairmentMeasurementAlternative"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_62a5914a-6a73-4e5f-8031-8e725f3d6069" xlink:to="loc_c_OtherthanTemporaryImpairmentLossesInvestmentsPortionRecognizedinEarningsNetEquityMethodInvestmentOtherthanTemporaryImpairmentAndInvestmentImpairmentMeasurementAlternative_5565022d-4840-46e5-9aba-a1fee6a04be4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense_4836f31d-235b-4e8b-83b2-6b7a8e4907c4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherNonoperatingIncomeExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_62a5914a-6a73-4e5f-8031-8e725f3d6069" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpense_4836f31d-235b-4e8b-83b2-6b7a8e4907c4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions_ff3077ab-d3ad-417e-8c78-878ef01b2f7b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_62a5914a-6a73-4e5f-8031-8e725f3d6069" xlink:to="loc_us-gaap_InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions_ff3077ab-d3ad-417e-8c78-878ef01b2f7b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrincipalTransactionsRevenue_d693054c-af46-4dfd-9163-f9a0d02f3db5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrincipalTransactionsRevenue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_62a5914a-6a73-4e5f-8031-8e725f3d6069" xlink:to="loc_us-gaap_PrincipalTransactionsRevenue_d693054c-af46-4dfd-9163-f9a0d02f3db5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_AdministrationAndOtherFiduciaryFees_b163b482-6028-4bfe-8a1b-2a67e4e7d0d7" xlink:href="c-20260331.xsd#c_AdministrationAndOtherFiduciaryFees"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_62a5914a-6a73-4e5f-8031-8e725f3d6069" xlink:to="loc_c_AdministrationAndOtherFiduciaryFees_b163b482-6028-4bfe-8a1b-2a67e4e7d0d7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_11cc6799-3546-4eba-b412-9637a7a51639" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealizedInvestmentGainsLosses"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_62a5914a-6a73-4e5f-8031-8e725f3d6069" xlink:to="loc_us-gaap_RealizedInvestmentGainsLosses_11cc6799-3546-4eba-b412-9637a7a51639" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/CONSOLIDATEDSTATEMENTOFCOMPREHENSIVEINCOMEUNAUDITED" xlink:type="simple" xlink:href="c-20260331.xsd#CONSOLIDATEDSTATEMENTOFCOMPREHENSIVEINCOMEUNAUDITED"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/CONSOLIDATEDSTATEMENTOFCOMPREHENSIVEINCOMEUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_c76af072-ffce-4c44-a37e-890b40909911" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_f9222349-d246-4b2a-a0ab-4ec176067c15" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_c76af072-ffce-4c44-a37e-890b40909911" xlink:to="loc_us-gaap_NetIncomeLoss_f9222349-d246-4b2a-a0ab-4ec176067c15" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_a6f0f798-2e2c-48e1-ad7f-a327d06b9ad8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_c76af072-ffce-4c44-a37e-890b40909911" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_a6f0f798-2e2c-48e1-ad7f-a327d06b9ad8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_d99442c8-0e2a-40cd-a7b5-7f390066e815" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_3cedd752-0668-4dff-a17c-ade1c226a88b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_d99442c8-0e2a-40cd-a7b5-7f390066e815" xlink:to="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_3cedd752-0668-4dff-a17c-ade1c226a88b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossFinancialLiabilityFairValueOptionAfterTaxAndReclassificationAdjustmentAttributableToParent_0b97d6e0-3150-4858-8727-ab0742c2dd93" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossFinancialLiabilityFairValueOptionAfterTaxAndReclassificationAdjustmentAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_d99442c8-0e2a-40cd-a7b5-7f390066e815" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossFinancialLiabilityFairValueOptionAfterTaxAndReclassificationAdjustmentAttributableToParent_0b97d6e0-3150-4858-8727-ab0742c2dd93" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_2100ab52-f5c1-4981-9cf5-e69541027f19" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_d99442c8-0e2a-40cd-a7b5-7f390066e815" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_2100ab52-f5c1-4981-9cf5-e69541027f19" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_3bc9c7a8-5044-44c7-8ad5-bddb98d40c21" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_d99442c8-0e2a-40cd-a7b5-7f390066e815" xlink:to="loc_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_3bc9c7a8-5044-44c7-8ad5-bddb98d40c21" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_4fef5821-c788-4752-a73e-fa6ad72faff5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_d99442c8-0e2a-40cd-a7b5-7f390066e815" xlink:to="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_4fef5821-c788-4752-a73e-fa6ad72faff5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAfterAdjustmentsAndTaxParent_a6005f63-e668-4a55-ac27-cc6fe039d92e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAfterAdjustmentsAndTaxParent"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_d99442c8-0e2a-40cd-a7b5-7f390066e815" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAfterAdjustmentsAndTaxParent_a6005f63-e668-4a55-ac27-cc6fe039d92e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTaxParent_cc917e1d-9e8d-4283-aa52-e61f62dc2429" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTaxParent"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_d99442c8-0e2a-40cd-a7b5-7f390066e815" xlink:to="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTaxParent_cc917e1d-9e8d-4283-aa52-e61f62dc2429" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/CONSOLIDATEDSTATEMENTOFCOMPREHENSIVEINCOMEUNAUDITED_1" xlink:type="simple" xlink:href="c-20260331.xsd#CONSOLIDATEDSTATEMENTOFCOMPREHENSIVEINCOMEUNAUDITED_1"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/CONSOLIDATEDSTATEMENTOFCOMPREHENSIVEINCOMEUNAUDITED_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_ec450c51-0616-4e18-8f5f-bcb45372f5ee" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToNoncontrollingInterest_4392f568-d309-4727-8743-2b0b1d998b57" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_ec450c51-0616-4e18-8f5f-bcb45372f5ee" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToNoncontrollingInterest_4392f568-d309-4727-8743-2b0b1d998b57" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_ae95b2ea-28f5-4c8c-adfa-a3502b27851c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_ec450c51-0616-4e18-8f5f-bcb45372f5ee" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_ae95b2ea-28f5-4c8c-adfa-a3502b27851c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_66e0e6ec-ce70-4f97-9ff5-230eacd2221e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_ec450c51-0616-4e18-8f5f-bcb45372f5ee" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_66e0e6ec-ce70-4f97-9ff5-230eacd2221e" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/CONSOLIDATEDBALANCESHEET" xlink:type="simple" xlink:href="c-20260331.xsd#CONSOLIDATEDBALANCESHEET"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/CONSOLIDATEDBALANCESHEET" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_3ca4262e-0cf2-48bc-9eec-897c696663de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_bd2d7b8d-064f-4627-9936-e5c00c24e9f2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_3ca4262e-0cf2-48bc-9eec-897c696663de" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_bd2d7b8d-064f-4627-9936-e5c00c24e9f2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_2e92f28c-af53-4d91-aad5-db1776b7df30" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_3ca4262e-0cf2-48bc-9eec-897c696663de" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_2e92f28c-af53-4d91-aad5-db1776b7df30" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest_668a7a72-8aa4-4bc4-ab5b-8a61d08181c3" xlink:href="c-20260331.xsd#c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_f40dd7f1-08e0-4741-b690-98cbf13bfc5c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest_668a7a72-8aa4-4bc4-ab5b-8a61d08181c3" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_f40dd7f1-08e0-4741-b690-98cbf13bfc5c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_40a1f826-c9c4-4ec7-9b16-6dfef0c44d7c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest_668a7a72-8aa4-4bc4-ab5b-8a61d08181c3" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_40a1f826-c9c4-4ec7-9b16-6dfef0c44d7c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_NonMarketableEquitySecurities_6d893d9b-c8fd-4354-944a-70d39ffd1a9d" xlink:href="c-20260331.xsd#c_NonMarketableEquitySecurities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest_668a7a72-8aa4-4bc4-ab5b-8a61d08181c3" xlink:to="loc_c_NonMarketableEquitySecurities_6d893d9b-c8fd-4354-944a-70d39ffd1a9d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_70d7c551-c529-4f17-8b83-bd6b3c2ecf91" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_0f153c85-b83b-44fa-973f-5660ffd680c5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_70d7c551-c529-4f17-8b83-bd6b3c2ecf91" xlink:to="loc_us-gaap_StockholdersEquity_0f153c85-b83b-44fa-973f-5660ffd680c5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterest_a308bab8-4bb1-4f6c-83a3-dc0fa7c8f847" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_70d7c551-c529-4f17-8b83-bd6b3c2ecf91" xlink:to="loc_us-gaap_MinorityInterest_a308bab8-4bb1-4f6c-83a3-dc0fa7c8f847" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_c598e7da-2476-471f-80e6-45692601fb17" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_1a07d94b-9511-4c9e-88a8-6d6ec3c0e5c2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Deposits"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c598e7da-2476-471f-80e6-45692601fb17" xlink:to="loc_us-gaap_Deposits_1a07d94b-9511-4c9e-88a8-6d6ec3c0e5c2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingValueOfFederalFundsPurchasedSecuritiesSoldUnderAgreementsToRepurchaseAndDepositsReceivedForSecuritiesLoaned_f19c80da-3c48-4e68-b7b5-249adf9f82e6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingValueOfFederalFundsPurchasedSecuritiesSoldUnderAgreementsToRepurchaseAndDepositsReceivedForSecuritiesLoaned"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c598e7da-2476-471f-80e6-45692601fb17" xlink:to="loc_us-gaap_CarryingValueOfFederalFundsPurchasedSecuritiesSoldUnderAgreementsToRepurchaseAndDepositsReceivedForSecuritiesLoaned_f19c80da-3c48-4e68-b7b5-249adf9f82e6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_BrokeragePayables_a77262e4-d01d-4b58-a4b6-9105f570d46b" xlink:href="c-20260331.xsd#c_BrokeragePayables"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c598e7da-2476-471f-80e6-45692601fb17" xlink:to="loc_c_BrokeragePayables_a77262e4-d01d-4b58-a4b6-9105f570d46b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingLiabilities_7e470f0a-eeea-4988-92ca-f953e2cbb033" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TradingLiabilities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c598e7da-2476-471f-80e6-45692601fb17" xlink:to="loc_us-gaap_TradingLiabilities_7e470f0a-eeea-4988-92ca-f953e2cbb033" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermBorrowings_1d0f43ab-cf90-4ac9-a62f-a07817f40c6b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermBorrowings"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c598e7da-2476-471f-80e6-45692601fb17" xlink:to="loc_us-gaap_ShortTermBorrowings_1d0f43ab-cf90-4ac9-a62f-a07817f40c6b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_a2dab074-536e-492d-8006-61b1d23d5b0d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebt"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c598e7da-2476-471f-80e6-45692601fb17" xlink:to="loc_us-gaap_LongTermDebt_a2dab074-536e-492d-8006-61b1d23d5b0d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_ee05a8fb-1cd9-43d7-817f-e42bf31741fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherLiabilities"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c598e7da-2476-471f-80e6-45692601fb17" xlink:to="loc_us-gaap_OtherLiabilities_ee05a8fb-1cd9-43d7-817f-e42bf31741fd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_f304da50-b3b6-4671-a4e7-0ead6e43c044" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_9b003f14-7c69-43e1-8518-41d67c56a8cc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_f304da50-b3b6-4671-a4e7-0ead6e43c044" xlink:to="loc_us-gaap_Liabilities_9b003f14-7c69-43e1-8518-41d67c56a8cc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_4c8835af-e712-457c-b189-e619f7316f47" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_f304da50-b3b6-4671-a4e7-0ead6e43c044" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_4c8835af-e712-457c-b189-e619f7316f47" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_91054b68-4ba4-4f3e-9c23-e132096dd949" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks_09d1e97d-6e59-4683-9f43-00d5638a8daf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_91054b68-4ba4-4f3e-9c23-e132096dd949" xlink:to="loc_us-gaap_CashAndDueFromBanks_09d1e97d-6e59-4683-9f43-00d5638a8daf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DepositsWithBanksAndOtherFinancialInstitutionsNetOfAllowance_9284fbbb-2d78-422f-90e3-2d6b610d634b" xlink:href="c-20260331.xsd#c_DepositsWithBanksAndOtherFinancialInstitutionsNetOfAllowance"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_91054b68-4ba4-4f3e-9c23-e132096dd949" xlink:to="loc_c_DepositsWithBanksAndOtherFinancialInstitutionsNetOfAllowance_9284fbbb-2d78-422f-90e3-2d6b610d634b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed_ab65646b-ee35-476f-a884-a5ae255ee54e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_91054b68-4ba4-4f3e-9c23-e132096dd949" xlink:to="loc_us-gaap_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed_ab65646b-ee35-476f-a884-a5ae255ee54e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_BrokerageReceivables_1610b40b-b3e0-446f-ac58-f427cd95e178" xlink:href="c-20260331.xsd#c_BrokerageReceivables"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_91054b68-4ba4-4f3e-9c23-e132096dd949" xlink:to="loc_c_BrokerageReceivables_1610b40b-b3e0-446f-ac58-f427cd95e178" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecurities_c2ff0227-5517-4af9-a3bb-8726f1cfa3b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TradingSecurities"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_91054b68-4ba4-4f3e-9c23-e132096dd949" xlink:to="loc_us-gaap_TradingSecurities_c2ff0227-5517-4af9-a3bb-8726f1cfa3b1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest_b17ac155-63df-44a8-8827-dd3899f3fad3" xlink:href="c-20260331.xsd#c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_91054b68-4ba4-4f3e-9c23-e132096dd949" xlink:to="loc_c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest_b17ac155-63df-44a8-8827-dd3899f3fad3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_8d86df80-bd78-4133-8e33-4b27d615cb7a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_91054b68-4ba4-4f3e-9c23-e132096dd949" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_8d86df80-bd78-4133-8e33-4b27d615cb7a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_1935dc5e-c678-42a1-a202-3d5618bee779" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Goodwill"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_91054b68-4ba4-4f3e-9c23-e132096dd949" xlink:to="loc_us-gaap_Goodwill_1935dc5e-c678-42a1-a202-3d5618bee779" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_1a4066df-44d7-4214-a81f-51d6774fd1d0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_91054b68-4ba4-4f3e-9c23-e132096dd949" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_1a4066df-44d7-4214-a81f-51d6774fd1d0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_92396640-5777-476a-8a5a-7405e9b7d6a4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_91054b68-4ba4-4f3e-9c23-e132096dd949" xlink:to="loc_us-gaap_OtherAssets_92396640-5777-476a-8a5a-7405e9b7d6a4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_f46e4e5f-7136-44d7-a148-d7c0fe514bf2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_91054b68-4ba4-4f3e-9c23-e132096dd949" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_f46e4e5f-7136-44d7-a148-d7c0fe514bf2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_efb986a8-a5e0-464e-84c7-32ad5c72d75f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_4e05febc-9d7d-412c-adf3-22269b1bb930" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_efb986a8-a5e0-464e-84c7-32ad5c72d75f" xlink:to="loc_us-gaap_PreferredStockValue_4e05febc-9d7d-412c-adf3-22269b1bb930" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_1b3f0fd8-b730-418d-acc3-f64482ae451c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_efb986a8-a5e0-464e-84c7-32ad5c72d75f" xlink:to="loc_us-gaap_CommonStockValue_1b3f0fd8-b730-418d-acc3-f64482ae451c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_7db527b8-1c90-4a3a-b9c6-7e3e9765ea0e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_efb986a8-a5e0-464e-84c7-32ad5c72d75f" xlink:to="loc_us-gaap_AdditionalPaidInCapital_7db527b8-1c90-4a3a-b9c6-7e3e9765ea0e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_0b6a34a5-5442-4629-b7a4-dd0c776d9ee6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_efb986a8-a5e0-464e-84c7-32ad5c72d75f" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_0b6a34a5-5442-4629-b7a4-dd0c776d9ee6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_5300da66-4703-4702-8fca-5a2737857850" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_efb986a8-a5e0-464e-84c7-32ad5c72d75f" xlink:to="loc_us-gaap_TreasuryStockCommonValue_5300da66-4703-4702-8fca-5a2737857850" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_09e986da-8b83-435b-bd55-9b8927465488" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_efb986a8-a5e0-464e-84c7-32ad5c72d75f" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_09e986da-8b83-435b-bd55-9b8927465488" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/CONSOLIDATEDSTATEMENTOFCHANGESINSTOCKHOLDERSEQUITYUNAUDITED" xlink:type="simple" xlink:href="c-20260331.xsd#CONSOLIDATEDSTATEMENTOFCHANGESINSTOCKHOLDERSEQUITYUNAUDITED"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/CONSOLIDATEDSTATEMENTOFCHANGESINSTOCKHOLDERSEQUITYUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestPeriodIncreaseDecrease_a89388c9-0434-420e-86e5-6fdaab6ffcbc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterestPeriodIncreaseDecrease"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_b29438d0-1740-43e0-b828-ff77f2058474" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_MinorityInterestPeriodIncreaseDecrease_a89388c9-0434-420e-86e5-6fdaab6ffcbc" xlink:to="loc_us-gaap_ProfitLoss_b29438d0-1740-43e0-b828-ff77f2058474" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_418a576d-aafa-48e6-9fb0-5fa7e7f9a50a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_MinorityInterestPeriodIncreaseDecrease_a89388c9-0434-420e-86e5-6fdaab6ffcbc" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_418a576d-aafa-48e6-9fb0-5fa7e7f9a50a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_IncreaseDecreaseFromTransactionsBetweenConsolidatingEntityAndNoncontrollingInterestShareholders_561cb05e-5ef5-4ede-a4f0-3e0e34ddfbb9" xlink:href="c-20260331.xsd#c_IncreaseDecreaseFromTransactionsBetweenConsolidatingEntityAndNoncontrollingInterestShareholders"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_MinorityInterestPeriodIncreaseDecrease_a89388c9-0434-420e-86e5-6fdaab6ffcbc" xlink:to="loc_c_IncreaseDecreaseFromTransactionsBetweenConsolidatingEntityAndNoncontrollingInterestShareholders_561cb05e-5ef5-4ede-a4f0-3e0e34ddfbb9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityOther_87d895fd-0d0c-4a4f-a3a8-3647e903d110" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityOther"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_MinorityInterestPeriodIncreaseDecrease_a89388c9-0434-420e-86e5-6fdaab6ffcbc" xlink:to="loc_us-gaap_StockholdersEquityOther_87d895fd-0d0c-4a4f-a3a8-3647e903d110" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders_839b1833-b3f9-4a10-81fb-b87b3011e07b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_MinorityInterestPeriodIncreaseDecrease_a89388c9-0434-420e-86e5-6fdaab6ffcbc" xlink:to="loc_us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders_839b1833-b3f9-4a10-81fb-b87b3011e07b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/CONSOLIDATEDSTATEMENTOFCASHFLOWSUNAUDITED" xlink:type="simple" xlink:href="c-20260331.xsd#CONSOLIDATEDSTATEMENTOFCASHFLOWSUNAUDITED"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/CONSOLIDATEDSTATEMENTOFCASHFLOWSUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_9f23d1f6-fcbf-4d4b-9987-38fb7c59696c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperations_bb3423bf-65a6-4f80-b4f9-3a7d24a4b579" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperations"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_9f23d1f6-fcbf-4d4b-9987-38fb7c59696c" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperations_bb3423bf-65a6-4f80-b4f9-3a7d24a4b579" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_5411f699-342e-4452-83cb-04e6ab0c89e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_9f23d1f6-fcbf-4d4b-9987-38fb7c59696c" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_5411f699-342e-4452-83cb-04e6ab0c89e5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_2befd69a-4abc-4f80-b978-7a1bf7b22a59" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_c0440362-a05c-408a-945c-132e59146a80" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_2befd69a-4abc-4f80-b978-7a1bf7b22a59" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_c0440362-a05c-408a-945c-132e59146a80" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInTradingSecurities_45b8ece9-5e37-4e93-8c05-be9c7ec66ca3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInTradingSecurities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_2befd69a-4abc-4f80-b978-7a1bf7b22a59" xlink:to="loc_us-gaap_IncreaseDecreaseInTradingSecurities_45b8ece9-5e37-4e93-8c05-be9c7ec66ca3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInTradingLiabilities_f9c66034-de6b-4ae9-8da4-8bee7521ba25" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInTradingLiabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_2befd69a-4abc-4f80-b978-7a1bf7b22a59" xlink:to="loc_us-gaap_IncreaseDecreaseInTradingLiabilities_f9c66034-de6b-4ae9-8da4-8bee7521ba25" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInLoansHeldForSale_70c45852-30c7-44a2-8b46-04bc3f8daa64" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInLoansHeldForSale"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_2befd69a-4abc-4f80-b978-7a1bf7b22a59" xlink:to="loc_us-gaap_IncreaseDecreaseInLoansHeldForSale_70c45852-30c7-44a2-8b46-04bc3f8daa64" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_InvestmentOtherAssetImpairmentCharges_7bdbb0d3-4b08-488b-96bc-67b20d71a550" xlink:href="c-20260331.xsd#c_InvestmentOtherAssetImpairmentCharges"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_2befd69a-4abc-4f80-b978-7a1bf7b22a59" xlink:to="loc_c_InvestmentOtherAssetImpairmentCharges_7bdbb0d3-4b08-488b-96bc-67b20d71a550" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtAndEquitySecuritiesGainLoss_81ef8bf2-8b05-4ca1-aa3b-aba050bc6f4b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtAndEquitySecuritiesGainLoss"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_2befd69a-4abc-4f80-b978-7a1bf7b22a59" xlink:to="loc_us-gaap_DebtAndEquitySecuritiesGainLoss_81ef8bf2-8b05-4ca1-aa3b-aba050bc6f4b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAmortizationAndAccretionNet_f4f3300a-eeff-4f28-9aa2-c05a7817a232" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepreciationAmortizationAndAccretionNet"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_2befd69a-4abc-4f80-b978-7a1bf7b22a59" xlink:to="loc_us-gaap_DepreciationAmortizationAndAccretionNet_f4f3300a-eeff-4f28-9aa2-c05a7817a232" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_d49ee3c1-66c7-48b4-8810-d36a136d1b04" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_2befd69a-4abc-4f80-b978-7a1bf7b22a59" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_d49ee3c1-66c7-48b4-8810-d36a136d1b04" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInBrokerDealerRelatedReceivablesPayablesNet_deec7dda-80a5-4583-8e51-562afbc9497b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInBrokerDealerRelatedReceivablesPayablesNet"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_2befd69a-4abc-4f80-b978-7a1bf7b22a59" xlink:to="loc_us-gaap_IncreaseDecreaseInBrokerDealerRelatedReceivablesPayablesNet_deec7dda-80a5-4583-8e51-562afbc9497b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_ProvisionForCreditLossBenefitsAndClaimsExpenseReversal_08f0a85d-3278-4b5a-b4e0-c11af1059533" xlink:href="c-20260331.xsd#c_ProvisionForCreditLossBenefitsAndClaimsExpenseReversal"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_2befd69a-4abc-4f80-b978-7a1bf7b22a59" xlink:to="loc_c_ProvisionForCreditLossBenefitsAndClaimsExpenseReversal_08f0a85d-3278-4b5a-b4e0-c11af1059533" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_c4d27062-d8c1-4be5-9c7c-93fe52b5027c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_2befd69a-4abc-4f80-b978-7a1bf7b22a59" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_c4d27062-d8c1-4be5-9c7c-93fe52b5027c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupNotDiscontinuedOperationGainLossOnDisposal_36f5bd01-6d2e-4f0c-9063-64167832ba6c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupNotDiscontinuedOperationGainLossOnDisposal"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_2befd69a-4abc-4f80-b978-7a1bf7b22a59" xlink:to="loc_us-gaap_DisposalGroupNotDiscontinuedOperationGainLossOnDisposal_36f5bd01-6d2e-4f0c-9063-64167832ba6c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense_45ede9b2-fdca-451b-8b14-f229873fd0cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherNoncashIncomeExpense"/>
    <link:calculationArc order="13" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_2befd69a-4abc-4f80-b978-7a1bf7b22a59" xlink:to="loc_us-gaap_OtherNoncashIncomeExpense_45ede9b2-fdca-451b-8b14-f229873fd0cd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_e25ca959-d97b-49c0-9e75-449fd28aff09" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForFederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResellNet_987644b4-60ad-4ad1-8782-23c243653a80" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromPaymentsForFederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResellNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_e25ca959-d97b-49c0-9e75-449fd28aff09" xlink:to="loc_us-gaap_ProceedsFromPaymentsForFederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResellNet_987644b4-60ad-4ad1-8782-23c243653a80" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherLoansAndLeases_3a6036cf-183f-45c1-89fa-2cdac893d584" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForProceedsFromOtherLoansAndLeases"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_e25ca959-d97b-49c0-9e75-449fd28aff09" xlink:to="loc_us-gaap_PaymentsForProceedsFromOtherLoansAndLeases_3a6036cf-183f-45c1-89fa-2cdac893d584" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromDivestitureOfBusinesses_7173a95d-6414-43cb-8ef3-c240556b3938" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromDivestitureOfBusinesses"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_e25ca959-d97b-49c0-9e75-449fd28aff09" xlink:to="loc_us-gaap_ProceedsFromDivestitureOfBusinesses_7173a95d-6414-43cb-8ef3-c240556b3938" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment_e479b63c-1558-44fd-80e3-1d0dcb8bcad9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_e25ca959-d97b-49c0-9e75-449fd28aff09" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment_e479b63c-1558-44fd-80e3-1d0dcb8bcad9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_94ac6502-92a3-40cb-a302-bf7a34467342" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_e25ca959-d97b-49c0-9e75-449fd28aff09" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_94ac6502-92a3-40cb-a302-bf7a34467342" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_122252fb-6c87-48e4-ae06-ae766b1a8fb4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_e25ca959-d97b-49c0-9e75-449fd28aff09" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_122252fb-6c87-48e4-ae06-ae766b1a8fb4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_299243d7-7693-4f08-9fbe-01bc76275dff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_e25ca959-d97b-49c0-9e75-449fd28aff09" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_299243d7-7693-4f08-9fbe-01bc76275dff" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_acffc099-e65c-46cc-898f-8fbcc709c2e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_e25ca959-d97b-49c0-9e75-449fd28aff09" xlink:to="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_acffc099-e65c-46cc-898f-8fbcc709c2e1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_448ec9ad-f63b-4f91-b5b1-02cbad01ed1c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_e25ca959-d97b-49c0-9e75-449fd28aff09" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_448ec9ad-f63b-4f91-b5b1-02cbad01ed1c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019dd015-d5ba-7597-8d2f-80dc382845bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_e25ca959-d97b-49c0-9e75-449fd28aff09" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019dd015-d5ba-7597-8d2f-80dc382845bb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfProductiveAssets_019dd015-d5ba-796e-9ec6-0d4acf813f47" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfProductiveAssets"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_e25ca959-d97b-49c0-9e75-449fd28aff09" xlink:to="loc_us-gaap_ProceedsFromSaleOfProductiveAssets_019dd015-d5ba-796e-9ec6-0d4acf813f47" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_019dd015-d5ba-7656-8fc0-753152fb3651" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_e25ca959-d97b-49c0-9e75-449fd28aff09" xlink:to="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_019dd015-d5ba-7656-8fc0-753152fb3651" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_2621d148-9b6c-4754-adf4-08a60abaac69" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks_f37e112f-27fa-4663-a6bb-cb7e63f1d77f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_2621d148-9b6c-4754-adf4-08a60abaac69" xlink:to="loc_us-gaap_CashAndDueFromBanks_f37e112f-27fa-4663-a6bb-cb7e63f1d77f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositsInBanks_c0e2ddf0-bd75-4b9d-87a7-4f5ebd47a13c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestBearingDepositsInBanks"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_2621d148-9b6c-4754-adf4-08a60abaac69" xlink:to="loc_us-gaap_InterestBearingDepositsInBanks_c0e2ddf0-bd75-4b9d-87a7-4f5ebd47a13c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_984738d5-85b2-4379-9659-b3435026bad8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividends_2e8d76b6-61f5-4eac-b8c2-43900883ebec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfDividends"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_984738d5-85b2-4379-9659-b3435026bad8" xlink:to="loc_us-gaap_PaymentsOfDividends_2e8d76b6-61f5-4eac-b8c2-43900883ebec" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock_a88d726c-1366-4d61-a178-60ddbfb3514c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_984738d5-85b2-4379-9659-b3435026bad8" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock_a88d726c-1366-4d61-a178-60ddbfb3514c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock_15fcf070-f659-4e3f-a55a-9770e46d05db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_984738d5-85b2-4379-9659-b3435026bad8" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock_15fcf070-f659-4e3f-a55a-9770e46d05db" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_70c7cd55-c1de-457a-9f46-df04233065fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_984738d5-85b2-4379-9659-b3435026bad8" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_70c7cd55-c1de-457a-9f46-df04233065fb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_357e4e1d-0422-4701-9f91-f634257e6f18" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_984738d5-85b2-4379-9659-b3435026bad8" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_357e4e1d-0422-4701-9f91-f634257e6f18" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet_ea464f4f-1df9-4c4b-952d-df7407a9bd0b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_984738d5-85b2-4379-9659-b3435026bad8" xlink:to="loc_us-gaap_IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet_ea464f4f-1df9-4c4b-952d-df7407a9bd0b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_83f0d469-67ce-4c8f-9875-8d0bf9bed048" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_984738d5-85b2-4379-9659-b3435026bad8" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_83f0d469-67ce-4c8f-9875-8d0bf9bed048" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebtAndCapitalSecurities_035e455c-6995-4a41-8497-db5b66c23ae4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepaymentsOfLongTermDebtAndCapitalSecurities"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_984738d5-85b2-4379-9659-b3435026bad8" xlink:to="loc_us-gaap_RepaymentsOfLongTermDebtAndCapitalSecurities_035e455c-6995-4a41-8497-db5b66c23ae4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDeposits_315e5625-2427-4701-ab76-81a115c4002d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInDeposits"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_984738d5-85b2-4379-9659-b3435026bad8" xlink:to="loc_us-gaap_IncreaseDecreaseInDeposits_315e5625-2427-4701-ab76-81a115c4002d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromShortTermDebt_132d779e-6a3a-4a80-a61c-f5840f8c8119" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromShortTermDebt"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_984738d5-85b2-4379-9659-b3435026bad8" xlink:to="loc_us-gaap_ProceedsFromShortTermDebt_132d779e-6a3a-4a80-a61c-f5840f8c8119" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4bd90297-9a3d-4c43-92a8-6f69b101aa52" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_44e56b3d-d42a-4659-993f-74f607359ee1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4bd90297-9a3d-4c43-92a8-6f69b101aa52" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_44e56b3d-d42a-4659-993f-74f607359ee1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_c484adac-a568-4d9e-8e37-34ffd12599f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4bd90297-9a3d-4c43-92a8-6f69b101aa52" xlink:to="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_c484adac-a568-4d9e-8e37-34ffd12599f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_4dbb9948-7331-4131-aabc-66c6fc348e67" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4bd90297-9a3d-4c43-92a8-6f69b101aa52" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_4dbb9948-7331-4131-aabc-66c6fc348e67" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_65dbeee0-6ce9-4aba-aa26-82249b72e39e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4bd90297-9a3d-4c43-92a8-6f69b101aa52" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_65dbeee0-6ce9-4aba-aa26-82249b72e39e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_3e5868e4-c859-423a-96c7-ea471b96f65e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_1157a01b-2fd1-4394-8832-5f35522fd0db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_3e5868e4-c859-423a-96c7-ea471b96f65e" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_1157a01b-2fd1-4394-8832-5f35522fd0db" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperations_f5300705-7553-441d-ae8e-c38639d24844" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperations"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_3e5868e4-c859-423a-96c7-ea471b96f65e" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperations_f5300705-7553-441d-ae8e-c38639d24844" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/SIGNIFICANTDISPOSALSANDOTHERBUSINESSEXITSDetails" xlink:type="simple" xlink:href="c-20260331.xsd#SIGNIFICANTDISPOSALSANDOTHERBUSINESSEXITSDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/SIGNIFICANTDISPOSALSANDOTHERBUSINESSEXITSDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation_92cce725-f199-4043-bd49-a536d99a14cc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationCash_73b7b092-33a4-452d-b25d-c2cf64f24df8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationCash"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation_92cce725-f199-4043-bd49-a536d99a14cc" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationCash_73b7b092-33a4-452d-b25d-c2cf64f24df8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DisposalGroupIncludingDiscontinuedOperationFinancingReceivable_1e3e26f0-eca7-41ca-b3f9-7c9dc0227eb2" xlink:href="c-20260331.xsd#c_DisposalGroupIncludingDiscontinuedOperationFinancingReceivable"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation_92cce725-f199-4043-bd49-a536d99a14cc" xlink:to="loc_c_DisposalGroupIncludingDiscontinuedOperationFinancingReceivable_1e3e26f0-eca7-41ca-b3f9-7c9dc0227eb2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherAssets_c232d5aa-1f3e-4b8c-b77f-34131e32d7ed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherAssets"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation_92cce725-f199-4043-bd49-a536d99a14cc" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherAssets_c232d5aa-1f3e-4b8c-b77f-34131e32d7ed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation_b9d6f77c-e39d-4ba4-ba78-a9d1bf9dcdf9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DisposalGroupIncludingDiscontinuedOperationDeposits_d50f930c-d848-424a-8837-16c8b785b727" xlink:href="c-20260331.xsd#c_DisposalGroupIncludingDiscontinuedOperationDeposits"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation_b9d6f77c-e39d-4ba4-ba78-a9d1bf9dcdf9" xlink:to="loc_c_DisposalGroupIncludingDiscontinuedOperationDeposits_d50f930c-d848-424a-8837-16c8b785b727" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherLiabilities_27765155-f089-4c5e-8e20-a3fc37e5b3fc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherLiabilities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation_b9d6f77c-e39d-4ba4-ba78-a9d1bf9dcdf9" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherLiabilities_27765155-f089-4c5e-8e20-a3fc37e5b3fc" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/REPORTABLEBUSINESSSEGMENTSANDALLOTHEROperationsbySegmentDetails" xlink:type="simple" xlink:href="c-20260331.xsd#REPORTABLEBUSINESSSEGMENTSANDALLOTHEROperationsbySegmentDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/REPORTABLEBUSINESSSEGMENTSANDALLOTHEROperationsbySegmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_01b34a79-bc3d-47d1-8e57-6b3fe0c78bae" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_OperatingExpenseCompensationExpense_a11e38df-3f3b-49b2-88e2-d33452f54469" xlink:href="c-20260331.xsd#c_OperatingExpenseCompensationExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_01b34a79-bc3d-47d1-8e57-6b3fe0c78bae" xlink:to="loc_c_OperatingExpenseCompensationExpense_a11e38df-3f3b-49b2-88e2-d33452f54469" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_OperatingExpenseExcludingCompensationExpense_b3c24932-f2c5-4f02-b588-476269c6a1b0" xlink:href="c-20260331.xsd#c_OperatingExpenseExcludingCompensationExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_01b34a79-bc3d-47d1-8e57-6b3fe0c78bae" xlink:to="loc_c_OperatingExpenseExcludingCompensationExpense_b3c24932-f2c5-4f02-b588-476269c6a1b0" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/INTERESTINCOMEANDEXPENSEDetails" xlink:type="simple" xlink:href="c-20260331.xsd#INTERESTINCOMEANDEXPENSEDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/INTERESTINCOMEANDEXPENSEDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_257370b0-057b-482e-8a13-fa3a937c8759" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDeposits_298bd0f4-b1e4-4342-b383-bcd5210def99" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseDeposits"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_257370b0-057b-482e-8a13-fa3a937c8759" xlink:to="loc_us-gaap_InterestExpenseDeposits_298bd0f4-b1e4-4342-b383-bcd5210def99" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase_eacb1824-e61f-4238-9cfb-f52d9de91bdc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_257370b0-057b-482e-8a13-fa3a937c8759" xlink:to="loc_us-gaap_InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase_eacb1824-e61f-4238-9cfb-f52d9de91bdc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseTradingLiabilities_c465f63a-4ef6-4134-800c-54c169c37b91" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseTradingLiabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_257370b0-057b-482e-8a13-fa3a937c8759" xlink:to="loc_us-gaap_InterestExpenseTradingLiabilities_c465f63a-4ef6-4134-800c-54c169c37b91" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseShortTermBorrowingsExcludingFederalFundsAndSecuritiesSoldUnderAgreementsToRepurchase_327aea45-aaed-44ff-8b5e-3279ef2b5c59" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseShortTermBorrowingsExcludingFederalFundsAndSecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_257370b0-057b-482e-8a13-fa3a937c8759" xlink:to="loc_us-gaap_InterestExpenseShortTermBorrowingsExcludingFederalFundsAndSecuritiesSoldUnderAgreementsToRepurchase_327aea45-aaed-44ff-8b5e-3279ef2b5c59" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseLongTermDebt_8276d7b9-fefb-4595-8956-b1300d2ea2e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseLongTermDebt"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_257370b0-057b-482e-8a13-fa3a937c8759" xlink:to="loc_us-gaap_InterestExpenseLongTermDebt_8276d7b9-fefb-4595-8956-b1300d2ea2e5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_b6400f74-a32f-4e18-9281-c794a67a26a5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_103ca168-4870-4364-ac48-fae2037e6308" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_b6400f74-a32f-4e18-9281-c794a67a26a5" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_103ca168-4870-4364-ac48-fae2037e6308" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_2ea9bf52-f4d7-464a-8c73-05c315fcd06c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_b6400f74-a32f-4e18-9281-c794a67a26a5" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_2ea9bf52-f4d7-464a-8c73-05c315fcd06c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_fd9a6038-1be2-49cd-af5b-1af6a2af42df" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_3fa2110e-3506-4790-bf96-15362ef05085" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_fd9a6038-1be2-49cd-af5b-1af6a2af42df" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_3fa2110e-3506-4790-bf96-15362ef05085" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeDepositsWithFinancialInstitutions_99aecf34-d1ef-4cc1-88b9-05ada991fb5b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeDepositsWithFinancialInstitutions"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_fd9a6038-1be2-49cd-af5b-1af6a2af42df" xlink:to="loc_us-gaap_InterestIncomeDepositsWithFinancialInstitutions_99aecf34-d1ef-4cc1-88b9-05ada991fb5b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeFederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResell_6ad90377-a39c-476d-b903-7a8bff778de8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeFederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResell"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_fd9a6038-1be2-49cd-af5b-1af6a2af42df" xlink:to="loc_us-gaap_InterestIncomeFederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResell_6ad90377-a39c-476d-b903-7a8bff778de8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_InterestAndDividendIncomeSecuritiesExcludingTradingSecurities_c89fb451-d38f-4ac6-ae59-fcfe76f93e3c" xlink:href="c-20260331.xsd#c_InterestAndDividendIncomeSecuritiesExcludingTradingSecurities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_fd9a6038-1be2-49cd-af5b-1af6a2af42df" xlink:to="loc_c_InterestAndDividendIncomeSecuritiesExcludingTradingSecurities_c89fb451-d38f-4ac6-ae59-fcfe76f93e3c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeDebtSecuritiesTradingOperating_50e8ad77-9cae-4663-aa36-a513e53f0ebe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeDebtSecuritiesTradingOperating"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_fd9a6038-1be2-49cd-af5b-1af6a2af42df" xlink:to="loc_us-gaap_InterestIncomeDebtSecuritiesTradingOperating_50e8ad77-9cae-4663-aa36-a513e53f0ebe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInterestAndDividendIncome_0d24f248-2ff2-4764-bfc9-125a33258bcc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherInterestAndDividendIncome"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_fd9a6038-1be2-49cd-af5b-1af6a2af42df" xlink:to="loc_us-gaap_OtherInterestAndDividendIncome_0d24f248-2ff2-4764-bfc9-125a33258bcc" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/RETIREMENTBENEFITSNetBenefitExpenseDetails" xlink:type="simple" xlink:href="c-20260331.xsd#RETIREMENTBENEFITSNetBenefitExpenseDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/RETIREMENTBENEFITSNetBenefitExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_f95fa26a-211a-426f-8196-da16aafaf4ea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanServiceCost_73a9392d-0249-4913-bea7-6c24f133848b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanServiceCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_f95fa26a-211a-426f-8196-da16aafaf4ea" xlink:to="loc_us-gaap_DefinedBenefitPlanServiceCost_73a9392d-0249-4913-bea7-6c24f133848b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanInterestCost_9086328c-5991-47ee-8814-eda680008867" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanInterestCost"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_f95fa26a-211a-426f-8196-da16aafaf4ea" xlink:to="loc_us-gaap_DefinedBenefitPlanInterestCost_9086328c-5991-47ee-8814-eda680008867" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_dd0518d9-e087-4979-bd75-d5ef482defc6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_f95fa26a-211a-426f-8196-da16aafaf4ea" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_dd0518d9-e087-4979-bd75-d5ef482defc6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_96aa17b3-1039-45b2-a605-e5b8a44cc65d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_f95fa26a-211a-426f-8196-da16aafaf4ea" xlink:to="loc_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_96aa17b3-1039-45b2-a605-e5b8a44cc65d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_bb22c641-a562-47aa-b2b4-8adb11ee79b4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_f95fa26a-211a-426f-8196-da16aafaf4ea" xlink:to="loc_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_bb22c641-a562-47aa-b2b4-8adb11ee79b4" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/EARNINGSPERSHAREDetails" xlink:type="simple" xlink:href="c-20260331.xsd#EARNINGSPERSHAREDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/EARNINGSPERSHAREDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_f62d6deb-5906-44a1-9c18-bfad5206af1b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_IncomeLossFromContinuingOperationAfterNoncontrollingInterest_e38aca2d-1b58-4871-a238-9c89b2f7b4f9" xlink:href="c-20260331.xsd#c_IncomeLossFromContinuingOperationAfterNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_f62d6deb-5906-44a1-9c18-bfad5206af1b" xlink:to="loc_c_IncomeLossFromContinuingOperationAfterNoncontrollingInterest_e38aca2d-1b58-4871-a238-9c89b2f7b4f9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_f0d00b24-a0ae-4bdc-bee1-cf0a788e0502" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_f62d6deb-5906-44a1-9c18-bfad5206af1b" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_f0d00b24-a0ae-4bdc-bee1-cf0a788e0502" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_IncomeLossAvailableToCommonStockholders_15332b41-8da6-4b37-80ca-892fc1120ab4" xlink:href="c-20260331.xsd#c_IncomeLossAvailableToCommonStockholders"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_24a5faa3-20fc-4272-a464-8f5c442e02a1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_IncomeLossAvailableToCommonStockholders_15332b41-8da6-4b37-80ca-892fc1120ab4" xlink:to="loc_us-gaap_NetIncomeLoss_24a5faa3-20fc-4272-a464-8f5c442e02a1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPreferredStock_31b5a816-f1ef-42d5-84a2-57a5d841e338" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DividendsPreferredStock"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_IncomeLossAvailableToCommonStockholders_15332b41-8da6-4b37-80ca-892fc1120ab4" xlink:to="loc_us-gaap_DividendsPreferredStock_31b5a816-f1ef-42d5-84a2-57a5d841e338" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_IncomeLossFromContinuingOperationAfterNoncontrollingInterest_0f524cf2-1192-42a8-8a26-d428b6790277" xlink:href="c-20260331.xsd#c_IncomeLossFromContinuingOperationAfterNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_c2769a6d-d75f-4933-9242-dfc8cd7e9cdb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_IncomeLossFromContinuingOperationAfterNoncontrollingInterest_0f524cf2-1192-42a8-8a26-d428b6790277" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_c2769a6d-d75f-4933-9242-dfc8cd7e9cdb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_2042f403-1ca8-4919-ae77-522b3bf29efc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_IncomeLossFromContinuingOperationAfterNoncontrollingInterest_0f524cf2-1192-42a8-8a26-d428b6790277" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_2042f403-1ca8-4919-ae77-522b3bf29efc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_635fcb19-a50d-4e09-8f36-16fc64a1aa94" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_f9254ce7-cfd4-4f4b-952c-08bec0697547" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_635fcb19-a50d-4e09-8f36-16fc64a1aa94" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_f9254ce7-cfd4-4f4b-952c-08bec0697547" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_a88d22d2-f03b-47bc-80e8-983872828516" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_635fcb19-a50d-4e09-8f36-16fc64a1aa94" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_a88d22d2-f03b-47bc-80e8-983872828516" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_4d0760df-1b4a-486c-a528-70a9f566e20f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_IncomeAllocatedToEmployeeRestrictedAndDeferredSharesThatContainNonforfeitableRightsToDividends_850553f9-eeeb-4e7e-b30f-5c575f0cd602" xlink:href="c-20260331.xsd#c_IncomeAllocatedToEmployeeRestrictedAndDeferredSharesThatContainNonforfeitableRightsToDividends"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_4d0760df-1b4a-486c-a528-70a9f566e20f" xlink:to="loc_c_IncomeAllocatedToEmployeeRestrictedAndDeferredSharesThatContainNonforfeitableRightsToDividends_850553f9-eeeb-4e7e-b30f-5c575f0cd602" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_IncomeLossAvailableToCommonStockholders_b08f1c2c-8b7b-4617-8945-a7f115bf1dd3" xlink:href="c-20260331.xsd#c_IncomeLossAvailableToCommonStockholders"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_4d0760df-1b4a-486c-a528-70a9f566e20f" xlink:to="loc_c_IncomeLossAvailableToCommonStockholders_b08f1c2c-8b7b-4617-8945-a7f115bf1dd3" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/SECURITIESBORROWEDLOANEDANDSUBJECTTOREPURCHASEAGREEMENTSSecuritiesDetails" xlink:type="simple" xlink:href="c-20260331.xsd#SECURITIESBORROWEDLOANEDANDSUBJECTTOREPURCHASEAGREEMENTSSecuritiesDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/SECURITIESBORROWEDLOANEDANDSUBJECTTOREPURCHASEAGREEMENTSSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed_7429ab8e-1bd0-4cdc-b483-dfe7fbcff948" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowedAllowanceForCreditLoss_991ed22d-135b-4ddb-a5d1-9a2a34bce058" xlink:href="c-20260331.xsd#c_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowedAllowanceForCreditLoss"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed_7429ab8e-1bd0-4cdc-b483-dfe7fbcff948" xlink:to="loc_c_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowedAllowanceForCreditLoss_991ed22d-135b-4ddb-a5d1-9a2a34bce058" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowedBeforeAllowanceForCreditLoss_fc5789bf-6e5e-4dc4-b919-eaaf01871db0" xlink:href="c-20260331.xsd#c_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowedBeforeAllowanceForCreditLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed_7429ab8e-1bd0-4cdc-b483-dfe7fbcff948" xlink:to="loc_c_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowedBeforeAllowanceForCreditLoss_fc5789bf-6e5e-4dc4-b919-eaaf01871db0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowedBeforeAllowanceForCreditLoss_f88015c8-dfd2-468d-beb2-ec4c2e9aa3ef" xlink:href="c-20260331.xsd#c_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowedBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DepositsPaidForSecuritiesBorrowedAtCarryingValueBeforeAllowanceForCreditLoss_770dd18e-4d53-46b2-a82a-19b0cd4fe2e0" xlink:href="c-20260331.xsd#c_DepositsPaidForSecuritiesBorrowedAtCarryingValueBeforeAllowanceForCreditLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowedBeforeAllowanceForCreditLoss_f88015c8-dfd2-468d-beb2-ec4c2e9aa3ef" xlink:to="loc_c_DepositsPaidForSecuritiesBorrowedAtCarryingValueBeforeAllowanceForCreditLoss_770dd18e-4d53-46b2-a82a-19b0cd4fe2e0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_3d3ee38d-4a3d-464d-b55e-2953467eefe9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowedBeforeAllowanceForCreditLoss_f88015c8-dfd2-468d-beb2-ec4c2e9aa3ef" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_3d3ee38d-4a3d-464d-b55e-2953467eefe9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingValueOfFederalFundsPurchasedSecuritiesSoldUnderAgreementsToRepurchaseAndDepositsReceivedForSecuritiesLoaned_14f37abd-3831-4c33-93e8-5c61b71861c0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingValueOfFederalFundsPurchasedSecuritiesSoldUnderAgreementsToRepurchaseAndDepositsReceivedForSecuritiesLoaned"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_a056eda1-a836-48a0-a90b-df0ad6e16331" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CarryingValueOfFederalFundsPurchasedSecuritiesSoldUnderAgreementsToRepurchaseAndDepositsReceivedForSecuritiesLoaned_14f37abd-3831-4c33-93e8-5c61b71861c0" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_a056eda1-a836-48a0-a90b-df0ad6e16331" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsReceivedForSecuritiesLoanedAtCarryingValue_49792af5-8648-4a07-bcb4-04d2efa8756f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsReceivedForSecuritiesLoanedAtCarryingValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CarryingValueOfFederalFundsPurchasedSecuritiesSoldUnderAgreementsToRepurchaseAndDepositsReceivedForSecuritiesLoaned_14f37abd-3831-4c33-93e8-5c61b71861c0" xlink:to="loc_us-gaap_DepositsReceivedForSecuritiesLoanedAtCarryingValue_49792af5-8648-4a07-bcb4-04d2efa8756f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/SECURITIESBORROWEDLOANEDANDSUBJECTTOREPURCHASEAGREEMENTSOffsettingDetails" xlink:type="simple" xlink:href="c-20260331.xsd#SECURITIESBORROWEDLOANEDANDSUBJECTTOREPURCHASEAGREEMENTSOffsettingDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/SECURITIESBORROWEDLOANEDANDSUBJECTTOREPURCHASEAGREEMENTSOffsettingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_53d9355d-502d-4b60-b272-7743b1d4c6b9" xlink:href="c-20260331.xsd#c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset_30ae4ad4-5c02-4dcb-a85f-b17ebcc16b75" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_53d9355d-502d-4b60-b272-7743b1d4c6b9" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset_30ae4ad4-5c02-4dcb-a85f-b17ebcc16b75" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAsset_34ea8e07-f027-4f2d-84cf-dc0f665277e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedAsset"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_53d9355d-502d-4b60-b272-7743b1d4c6b9" xlink:to="loc_us-gaap_SecuritiesLoanedAsset_34ea8e07-f027-4f2d-84cf-dc0f665277e2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedAmountOffsetAgainstCollateral_d5e6b8dc-c652-4ad2-9d5b-4a423dbdb07a" xlink:href="c-20260331.xsd#c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellAmountOffsetAgainstCollateral_d14c26b9-e777-4ab0-b527-7550dd3fbba4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellAmountOffsetAgainstCollateral"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedAmountOffsetAgainstCollateral_d5e6b8dc-c652-4ad2-9d5b-4a423dbdb07a" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellAmountOffsetAgainstCollateral_d14c26b9-e777-4ab0-b527-7550dd3fbba4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowedAmountOffsetAgainstCollateral_d763564a-390a-408e-9fe9-4372ed33fd36" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesBorrowedAmountOffsetAgainstCollateral"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedAmountOffsetAgainstCollateral_d5e6b8dc-c652-4ad2-9d5b-4a423dbdb07a" xlink:to="loc_us-gaap_SecuritiesBorrowedAmountOffsetAgainstCollateral_d763564a-390a-408e-9fe9-4372ed33fd36" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_b44e302d-ce08-4bad-a33c-cb2e35430182" xlink:href="c-20260331.xsd#c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral_fdf8a92d-225b-4fba-b3f8-81ea7b4e3c61" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_b44e302d-ce08-4bad-a33c-cb2e35430182" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral_fdf8a92d-225b-4fba-b3f8-81ea7b4e3c61" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_49bc289a-93d0-49b7-9b7d-4d3393276a04" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_b44e302d-ce08-4bad-a33c-cb2e35430182" xlink:to="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_49bc289a-93d0-49b7-9b7d-4d3393276a04" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimSecurities_94dbb589-3361-496f-8067-26be189409a3" xlink:href="c-20260331.xsd#c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimSecurities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities_1946955d-cca5-41c0-8854-267370b3aa3c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimSecurities_94dbb589-3361-496f-8067-26be189409a3" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities_1946955d-cca5-41c0-8854-267370b3aa3c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimSecurities_075d3d11-0952-4a69-bb97-8f1fd0ceeb34" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedCollateralRightToReclaimSecurities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimSecurities_94dbb589-3361-496f-8067-26be189409a3" xlink:to="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimSecurities_075d3d11-0952-4a69-bb97-8f1fd0ceeb34" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingValueOfSecuritiesSoldUnderRepurchaseAgreementsAndDepositsReceivedForSecuritiesLoaned_5f6ed262-a623-4b40-812f-9373574388e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingValueOfSecuritiesSoldUnderRepurchaseAgreementsAndDepositsReceivedForSecuritiesLoaned"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredBorrowingsGrossIncludingNotSubjectToMasterNettingArrangement_0bc39709-8ca0-40d0-b03d-357ee15aa9d3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuredBorrowingsGrossIncludingNotSubjectToMasterNettingArrangement"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CarryingValueOfSecuritiesSoldUnderRepurchaseAgreementsAndDepositsReceivedForSecuritiesLoaned_5f6ed262-a623-4b40-812f-9373574388e1" xlink:to="loc_us-gaap_SecuredBorrowingsGrossIncludingNotSubjectToMasterNettingArrangement_0bc39709-8ca0-40d0-b03d-357ee15aa9d3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_30fc6595-2ce7-4676-a7f2-8986b1f13b8b" xlink:href="c-20260331.xsd#c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CarryingValueOfSecuritiesSoldUnderRepurchaseAgreementsAndDepositsReceivedForSecuritiesLoaned_5f6ed262-a623-4b40-812f-9373574388e1" xlink:to="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_30fc6595-2ce7-4676-a7f2-8986b1f13b8b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_a2696232-f5d3-417a-812b-a9892e71e68a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsReceivedForSecuritiesLoanedAtCarryingValue_a0bc1251-975b-422f-8d3f-bc950048da4d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsReceivedForSecuritiesLoanedAtCarryingValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_a2696232-f5d3-417a-812b-a9892e71e68a" xlink:to="loc_us-gaap_DepositsReceivedForSecuritiesLoanedAtCarryingValue_a0bc1251-975b-422f-8d3f-bc950048da4d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimSecurities_e4510342-5822-4297-a5db-6bc46ed54a5c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedCollateralRightToReclaimSecurities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_a2696232-f5d3-417a-812b-a9892e71e68a" xlink:to="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimSecurities_e4510342-5822-4297-a5db-6bc46ed54a5c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsReceivedForSecuritiesLoanedAtCarryingValue_7056023e-9e3d-4803-9bbd-dab0460fdbfd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsReceivedForSecuritiesLoanedAtCarryingValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedGross_e2d27360-a873-4e8a-8856-5212054b57e4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DepositsReceivedForSecuritiesLoanedAtCarryingValue_7056023e-9e3d-4803-9bbd-dab0460fdbfd" xlink:to="loc_us-gaap_SecuritiesLoanedGross_e2d27360-a873-4e8a-8856-5212054b57e4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAsset_910510ce-bc1a-4259-8ee4-eb5c70afde0e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedAsset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DepositsReceivedForSecuritiesLoanedAtCarryingValue_7056023e-9e3d-4803-9bbd-dab0460fdbfd" xlink:to="loc_us-gaap_SecuritiesLoanedAsset_910510ce-bc1a-4259-8ee4-eb5c70afde0e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_2308a8bf-f8f7-422b-a978-1c4175678a6f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellGross_1f9c46ff-1722-4e01-89ab-a26bcbc8e843" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_2308a8bf-f8f7-422b-a978-1c4175678a6f" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellGross_1f9c46ff-1722-4e01-89ab-a26bcbc8e843" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellLiability_b0ddb672-d64f-43ea-960b-40d602b881b0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellLiability"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_2308a8bf-f8f7-422b-a978-1c4175678a6f" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellLiability_b0ddb672-d64f-43ea-960b-40d602b881b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsPaidForSecuritiesBorrowedAtCarryingValue_337c3af0-5e1e-44b1-a4c0-27dc65b4ccf1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsPaidForSecuritiesBorrowedAtCarryingValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowedGross_6e935065-4505-46be-8ce0-08f0ee187ca7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesBorrowedGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DepositsPaidForSecuritiesBorrowedAtCarryingValue_337c3af0-5e1e-44b1-a4c0-27dc65b4ccf1" xlink:to="loc_us-gaap_SecuritiesBorrowedGross_6e935065-4505-46be-8ce0-08f0ee187ca7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowedLiability_5b5900d1-900a-460f-ae6e-4723e5049c0d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesBorrowedLiability"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DepositsPaidForSecuritiesBorrowedAtCarryingValue_337c3af0-5e1e-44b1-a4c0-27dc65b4ccf1" xlink:to="loc_us-gaap_SecuritiesBorrowedLiability_5b5900d1-900a-460f-ae6e-4723e5049c0d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredBorrowingsGrossIncludingNotSubjectToMasterNettingArrangement_6eabe764-fd62-4ba6-bf04-450a94f9bd75" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuredBorrowingsGrossIncludingNotSubjectToMasterNettingArrangement"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross_84ee656d-4592-419a-859a-d5d042d68fe7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuredBorrowingsGrossIncludingNotSubjectToMasterNettingArrangement_6eabe764-fd62-4ba6-bf04-450a94f9bd75" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross_84ee656d-4592-419a-859a-d5d042d68fe7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedGross_e69efe48-7a4a-47c8-bd14-56bac1af60e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedGross"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuredBorrowingsGrossIncludingNotSubjectToMasterNettingArrangement_6eabe764-fd62-4ba6-bf04-450a94f9bd75" xlink:to="loc_us-gaap_SecuritiesLoanedGross_e69efe48-7a4a-47c8-bd14-56bac1af60e1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowedAmountOffsetAgainstCollateral_f364d034-e84c-4a19-abec-0959ae070b89" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesBorrowedAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsPaidForSecuritiesBorrowedAtCarryingValue_29267fde-cf8e-42ca-9f29-2e76d8508689" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsPaidForSecuritiesBorrowedAtCarryingValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesBorrowedAmountOffsetAgainstCollateral_f364d034-e84c-4a19-abec-0959ae070b89" xlink:to="loc_us-gaap_DepositsPaidForSecuritiesBorrowedAtCarryingValue_29267fde-cf8e-42ca-9f29-2e76d8508689" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowedCollateralObligationToReturnSecurities_0669b848-c8b8-434e-aac0-f286f81bd1f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesBorrowedCollateralObligationToReturnSecurities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesBorrowedAmountOffsetAgainstCollateral_f364d034-e84c-4a19-abec-0959ae070b89" xlink:to="loc_us-gaap_SecuritiesBorrowedCollateralObligationToReturnSecurities_0669b848-c8b8-434e-aac0-f286f81bd1f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellAmountOffsetAgainstCollateral_5c29af86-68ef-4ede-8f13-acbd58437470" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_98feb19c-5239-4ba9-a3b6-b011f702f0a1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellAmountOffsetAgainstCollateral_5c29af86-68ef-4ede-8f13-acbd58437470" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_98feb19c-5239-4ba9-a3b6-b011f702f0a1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnSecurities_2ca79110-adbb-45d7-b5b7-64e7252ef5dd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnSecurities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellAmountOffsetAgainstCollateral_5c29af86-68ef-4ede-8f13-acbd58437470" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnSecurities_2ca79110-adbb-45d7-b5b7-64e7252ef5dd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnSecurities_cdccc43f-a50b-4889-843b-c71908277e1f" xlink:href="c-20260331.xsd#c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnSecurities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnSecurities_f43fda48-35bb-4906-8b7d-34dc2be84ada" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnSecurities_cdccc43f-a50b-4889-843b-c71908277e1f" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnSecurities_f43fda48-35bb-4906-8b7d-34dc2be84ada" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowedCollateralObligationToReturnSecurities_694b2ee9-bead-439c-98d8-a4232441dc58" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesBorrowedCollateralObligationToReturnSecurities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnSecurities_cdccc43f-a50b-4889-843b-c71908277e1f" xlink:to="loc_us-gaap_SecuritiesBorrowedCollateralObligationToReturnSecurities_694b2ee9-bead-439c-98d8-a4232441dc58" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_86d87203-c956-40f6-a60c-50fb542b4efc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross_0234705b-6619-4ef5-97f5-46aa095e2841" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_86d87203-c956-40f6-a60c-50fb542b4efc" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross_0234705b-6619-4ef5-97f5-46aa095e2841" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset_f68ee42d-5372-42a9-af73-add898b2354f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_86d87203-c956-40f6-a60c-50fb542b4efc" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset_f68ee42d-5372-42a9-af73-add898b2354f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingValueOfSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed_3b223d00-6862-4947-8003-eb6f2abe44b2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingValueOfSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedGross_eb7e0004-da14-4982-9adf-565aa2e6661e" xlink:href="c-20260331.xsd#c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CarryingValueOfSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed_3b223d00-6862-4947-8003-eb6f2abe44b2" xlink:to="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedGross_eb7e0004-da14-4982-9adf-565aa2e6661e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability_985f1e8d-c1af-4a3b-a733-6acf75658bde" xlink:href="c-20260331.xsd#c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CarryingValueOfSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed_3b223d00-6862-4947-8003-eb6f2abe44b2" xlink:to="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability_985f1e8d-c1af-4a3b-a733-6acf75658bde" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedGross_34035490-4abf-4e18-a7de-bc8d2faed2b2" xlink:href="c-20260331.xsd#c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedGross"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellGross_9a3f26de-8188-472c-8351-9691ab575a4e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedGross_34035490-4abf-4e18-a7de-bc8d2faed2b2" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellGross_9a3f26de-8188-472c-8351-9691ab575a4e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowedGross_88613ea2-7a65-40a6-abdc-bc21e97db7d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesBorrowedGross"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedGross_34035490-4abf-4e18-a7de-bc8d2faed2b2" xlink:to="loc_us-gaap_SecuritiesBorrowedGross_88613ea2-7a65-40a6-abdc-bc21e97db7d4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability_7d389327-5dd4-4ba4-b708-dc20279b4662" xlink:href="c-20260331.xsd#c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellLiability_d54810df-8a25-41bc-9297-ac1ff77d8945" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability_7d389327-5dd4-4ba4-b708-dc20279b4662" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellLiability_d54810df-8a25-41bc-9297-ac1ff77d8945" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowedLiability_e3aedb23-45e6-43fc-ada4-181aea8fa737" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesBorrowedLiability"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability_7d389327-5dd4-4ba4-b708-dc20279b4662" xlink:to="loc_us-gaap_SecuritiesBorrowedLiability_e3aedb23-45e6-43fc-ada4-181aea8fa737" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral_a43a1fc9-5104-47de-b453-6ce12b62c869" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_b58e38a0-0b6a-4519-adaa-9e9d3d75b03b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral_a43a1fc9-5104-47de-b453-6ce12b62c869" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_b58e38a0-0b6a-4519-adaa-9e9d3d75b03b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities_18cb9829-185f-4866-839a-fe726e64a5b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral_a43a1fc9-5104-47de-b453-6ce12b62c869" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities_18cb9829-185f-4866-839a-fe726e64a5b9" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/SECURITIESBORROWEDLOANEDANDSUBJECTTOREPURCHASEAGREEMENTSOffsettingDetails_1" xlink:type="simple" xlink:href="c-20260331.xsd#SECURITIESBORROWEDLOANEDANDSUBJECTTOREPURCHASEAGREEMENTSOffsettingDetails_1"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/SECURITIESBORROWEDLOANEDANDSUBJECTTOREPURCHASEAGREEMENTSOffsettingDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedAmountOffsetAgainstCollateral_facf572e-6700-4a3d-9cef-5b30fe509e16" xlink:href="c-20260331.xsd#c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingValueOfSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed_d52ae8ae-0dc7-46f5-a886-1b042418dda9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingValueOfSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedAmountOffsetAgainstCollateral_facf572e-6700-4a3d-9cef-5b30fe509e16" xlink:to="loc_us-gaap_CarryingValueOfSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed_d52ae8ae-0dc7-46f5-a886-1b042418dda9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnSecurities_5880108f-0637-4002-937d-2cfc24791d66" xlink:href="c-20260331.xsd#c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnSecurities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedAmountOffsetAgainstCollateral_facf572e-6700-4a3d-9cef-5b30fe509e16" xlink:to="loc_c_SecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnSecurities_5880108f-0637-4002-937d-2cfc24791d66" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_b361005c-bc54-49a3-9516-527d4cc1dfb3" xlink:href="c-20260331.xsd#c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingValueOfSecuritiesSoldUnderRepurchaseAgreementsAndDepositsReceivedForSecuritiesLoaned_e36491fe-c56a-465e-b1e8-9f3861363829" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingValueOfSecuritiesSoldUnderRepurchaseAgreementsAndDepositsReceivedForSecuritiesLoaned"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_b361005c-bc54-49a3-9516-527d4cc1dfb3" xlink:to="loc_us-gaap_CarryingValueOfSecuritiesSoldUnderRepurchaseAgreementsAndDepositsReceivedForSecuritiesLoaned_e36491fe-c56a-465e-b1e8-9f3861363829" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimSecurities_f70630cf-7406-4993-9244-30e6d4ddfbea" xlink:href="c-20260331.xsd#c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimSecurities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_b361005c-bc54-49a3-9516-527d4cc1dfb3" xlink:to="loc_c_SecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimSecurities_f70630cf-7406-4993-9244-30e6d4ddfbea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingValueOfSecuritiesSoldUnderRepurchaseAgreementsAndDepositsReceivedForSecuritiesLoaned_67ce188d-c62c-4265-8d57-c97ed7103200" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingValueOfSecuritiesSoldUnderRepurchaseAgreementsAndDepositsReceivedForSecuritiesLoaned"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_c1ee0b80-5a3f-45c0-a29a-0845bcf9c3c4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CarryingValueOfSecuritiesSoldUnderRepurchaseAgreementsAndDepositsReceivedForSecuritiesLoaned_67ce188d-c62c-4265-8d57-c97ed7103200" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_c1ee0b80-5a3f-45c0-a29a-0845bcf9c3c4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsReceivedForSecuritiesLoanedAtCarryingValue_6f36ac0b-47fb-4a9c-9ac2-68005a7f85e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsReceivedForSecuritiesLoanedAtCarryingValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CarryingValueOfSecuritiesSoldUnderRepurchaseAgreementsAndDepositsReceivedForSecuritiesLoaned_67ce188d-c62c-4265-8d57-c97ed7103200" xlink:to="loc_us-gaap_DepositsReceivedForSecuritiesLoanedAtCarryingValue_6f36ac0b-47fb-4a9c-9ac2-68005a7f85e2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingValueOfSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed_5c084a30-3c8b-4875-9afc-31422b37286f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingValueOfSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_4c3071a2-c36e-48f4-9105-60f2ae0e61bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CarryingValueOfSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed_5c084a30-3c8b-4875-9afc-31422b37286f" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_4c3071a2-c36e-48f4-9105-60f2ae0e61bf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsPaidForSecuritiesBorrowedAtCarryingValue_88aaeae7-367a-4d3f-9d05-9037de0ccbf2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsPaidForSecuritiesBorrowedAtCarryingValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CarryingValueOfSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed_5c084a30-3c8b-4875-9afc-31422b37286f" xlink:to="loc_us-gaap_DepositsPaidForSecuritiesBorrowedAtCarryingValue_88aaeae7-367a-4d3f-9d05-9037de0ccbf2" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/SECURITIESBORROWEDLOANEDANDSUBJECTTOREPURCHASEAGREEMENTSRepurchaseAgreementsbyContractualMaturityDetails" xlink:type="simple" xlink:href="c-20260331.xsd#SECURITIESBORROWEDLOANEDANDSUBJECTTOREPURCHASEAGREEMENTSRepurchaseAgreementsbyContractualMaturityDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/SECURITIESBORROWEDLOANEDANDSUBJECTTOREPURCHASEAGREEMENTSRepurchaseAgreementsbyContractualMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredBorrowingsGrossIncludingNotSubjectToMasterNettingArrangement_09111a10-034f-433b-afef-e7a634375aed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuredBorrowingsGrossIncludingNotSubjectToMasterNettingArrangement"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetsSoldUnderAgreementsToRepurchaseGrossIncludingNotSubjectToMasterNettingArrangement_35273219-fa0a-4cf6-85c7-87e180bcfcc1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetsSoldUnderAgreementsToRepurchaseGrossIncludingNotSubjectToMasterNettingArrangement"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuredBorrowingsGrossIncludingNotSubjectToMasterNettingArrangement_09111a10-034f-433b-afef-e7a634375aed" xlink:to="loc_us-gaap_FinancialAssetsSoldUnderAgreementsToRepurchaseGrossIncludingNotSubjectToMasterNettingArrangement_35273219-fa0a-4cf6-85c7-87e180bcfcc1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedGrossIncludingNotSubjectToMasterNettingArrangement_3ec5550e-0fd6-4a6f-b62f-dc66e97dbff9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedGrossIncludingNotSubjectToMasterNettingArrangement"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuredBorrowingsGrossIncludingNotSubjectToMasterNettingArrangement_09111a10-034f-433b-afef-e7a634375aed" xlink:to="loc_us-gaap_SecuritiesLoanedGrossIncludingNotSubjectToMasterNettingArrangement_3ec5550e-0fd6-4a6f-b62f-dc66e97dbff9" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/INVESTMENTSOverviewDetails" xlink:type="simple" xlink:href="c-20260331.xsd#INVESTMENTSOverviewDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/INVESTMENTSOverviewDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_c_InterestAndDividendIncomeSecuritiesExcludingTradingSecurities_da4988fa-6530-4fcf-8d4e-28bb8574ddce" xlink:href="c-20260331.xsd#c_InterestAndDividendIncomeSecuritiesExcludingTradingSecurities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeSecuritiesTaxable_a58270e9-eed5-4df6-8179-de8415df860d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeSecuritiesTaxable"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_InterestAndDividendIncomeSecuritiesExcludingTradingSecurities_da4988fa-6530-4fcf-8d4e-28bb8574ddce" xlink:to="loc_us-gaap_InterestIncomeSecuritiesTaxable_a58270e9-eed5-4df6-8179-de8415df860d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeSecuritiesTaxExempt_eec78b1d-e95f-4ab7-aa14-f8eef0af0948" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeSecuritiesTaxExempt"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_InterestAndDividendIncomeSecuritiesExcludingTradingSecurities_da4988fa-6530-4fcf-8d4e-28bb8574ddce" xlink:to="loc_us-gaap_InterestIncomeSecuritiesTaxExempt_eec78b1d-e95f-4ab7-aa14-f8eef0af0948" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendIncomeOperating_d5130ec6-cf1a-4ee7-85ab-29a5e8a68be3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DividendIncomeOperating"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_InterestAndDividendIncomeSecuritiesExcludingTradingSecurities_da4988fa-6530-4fcf-8d4e-28bb8574ddce" xlink:to="loc_us-gaap_DividendIncomeOperating_d5130ec6-cf1a-4ee7-85ab-29a5e8a68be3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_7e4f17bb-b4cb-49b5-9cff-f1c570557f2a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealizedInvestmentGainsLosses"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_GrossRealizedLossonMarketableSecuritiesandCostMethodInvestmentsExcludingOtherthanTemporaryImpairmentsandOtherInvestments_a9d88a2d-8b45-4004-b074-ac7028ea9e01" xlink:href="c-20260331.xsd#c_GrossRealizedLossonMarketableSecuritiesandCostMethodInvestmentsExcludingOtherthanTemporaryImpairmentsandOtherInvestments"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_RealizedInvestmentGainsLosses_7e4f17bb-b4cb-49b5-9cff-f1c570557f2a" xlink:to="loc_c_GrossRealizedLossonMarketableSecuritiesandCostMethodInvestmentsExcludingOtherthanTemporaryImpairmentsandOtherInvestments_a9d88a2d-8b45-4004-b074-ac7028ea9e01" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_GrossRealizedGainOnMarketableSecuritiesAndCostMethodInvestmentsExcludingOtherThanTemporaryImpairmentsAndOtherInvestments_66b55299-c212-4613-9ed0-ae2606816579" xlink:href="c-20260331.xsd#c_GrossRealizedGainOnMarketableSecuritiesAndCostMethodInvestmentsExcludingOtherThanTemporaryImpairmentsAndOtherInvestments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_RealizedInvestmentGainsLosses_7e4f17bb-b4cb-49b5-9cff-f1c570557f2a" xlink:to="loc_c_GrossRealizedGainOnMarketableSecuritiesAndCostMethodInvestmentsExcludingOtherThanTemporaryImpairmentsAndOtherInvestments_66b55299-c212-4613-9ed0-ae2606816579" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest_a02926ee-27ff-4130-a6e8-1af360c04d7a" xlink:href="c-20260331.xsd#c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_b29b5a11-83c3-47f5-b552-cc3af56d0155" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest_a02926ee-27ff-4130-a6e8-1af360c04d7a" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_b29b5a11-83c3-47f5-b552-cc3af56d0155" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_c4dd9bcf-a499-4cb4-867c-272d79615723" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest_a02926ee-27ff-4130-a6e8-1af360c04d7a" xlink:to="loc_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_c4dd9bcf-a499-4cb4-867c-272d79615723" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_80419d9e-3780-4bbd-9b20-943208084586" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest_a02926ee-27ff-4130-a6e8-1af360c04d7a" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_80419d9e-3780-4bbd-9b20-943208084586" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_47a1d0ab-84ab-4111-a541-f251ab808d79" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest_a02926ee-27ff-4130-a6e8-1af360c04d7a" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_47a1d0ab-84ab-4111-a541-f251ab808d79" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_8312a436-84a4-4c86-8a42-ea56e46a2065" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest_a02926ee-27ff-4130-a6e8-1af360c04d7a" xlink:to="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_8312a436-84a4-4c86-8a42-ea56e46a2065" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EquitySecuritiesCarriedAtFairValueNonmarketable_4887c9c5-b773-4188-8a91-5e417dbeecfe" xlink:href="c-20260331.xsd#c_EquitySecuritiesCarriedAtFairValueNonmarketable"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_InvestmentsExcludingTradingSecuritiesExcludingAccruedInterest_a02926ee-27ff-4130-a6e8-1af360c04d7a" xlink:to="loc_c_EquitySecuritiesCarriedAtFairValueNonmarketable_4887c9c5-b773-4188-8a91-5e417dbeecfe" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/INVESTMENTSFairValueofAFSSecuritiesDetails" xlink:type="simple" xlink:href="c-20260331.xsd#INVESTMENTSFairValueofAFSSecuritiesDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/INVESTMENTSFairValueofAFSSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_55771793-efee-4eb8-8ab5-d9dd71d0ca62" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_50a08a75-ea7d-4530-95bc-f37727124d77" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_55771793-efee-4eb8-8ab5-d9dd71d0ca62" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_50a08a75-ea7d-4530-95bc-f37727124d77" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_a30650ce-dbbe-4d54-9bcd-e3f2ff0ed275" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_55771793-efee-4eb8-8ab5-d9dd71d0ca62" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_a30650ce-dbbe-4d54-9bcd-e3f2ff0ed275" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_80e809c5-a07d-4d17-a53f-4fc55a9f49d2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_c67b4873-e05b-4011-877e-f674872b70d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_80e809c5-a07d-4d17-a53f-4fc55a9f49d2" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_c67b4873-e05b-4011-877e-f674872b70d8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_41ce2c19-a2b3-4a99-8a51-f0a122743daa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_80e809c5-a07d-4d17-a53f-4fc55a9f49d2" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_41ce2c19-a2b3-4a99-8a51-f0a122743daa" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/INVESTMENTSFairValueofAFSDebtSecuritiesbyContractualMaturityDateDetails" xlink:type="simple" xlink:href="c-20260331.xsd#INVESTMENTSFairValueofAFSDebtSecuritiesbyContractualMaturityDateDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/INVESTMENTSFairValueofAFSDebtSecuritiesbyContractualMaturityDateDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_c_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossExcludingUnallocatedPortfolioLayerAdjustments_2d93c93d-7e80-4431-a586-fe7e5e0dcf93" xlink:href="c-20260331.xsd#c_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossExcludingUnallocatedPortfolioLayerAdjustments"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_609c50ae-c6ba-49d2-99c0-88694f4a350a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossExcludingUnallocatedPortfolioLayerAdjustments_2d93c93d-7e80-4431-a586-fe7e5e0dcf93" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_609c50ae-c6ba-49d2-99c0-88694f4a350a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_dbf5f5bc-0f50-4797-bdfb-23b0e130ef5a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossExcludingUnallocatedPortfolioLayerAdjustments_2d93c93d-7e80-4431-a586-fe7e5e0dcf93" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_dbf5f5bc-0f50-4797-bdfb-23b0e130ef5a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_6d1cae22-de28-454e-bcda-d0136ca6906e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossExcludingUnallocatedPortfolioLayerAdjustments_2d93c93d-7e80-4431-a586-fe7e5e0dcf93" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_6d1cae22-de28-454e-bcda-d0136ca6906e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_39ab1add-6b2f-4707-b88a-b2a96c35a72d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossExcludingUnallocatedPortfolioLayerAdjustments_2d93c93d-7e80-4431-a586-fe7e5e0dcf93" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_39ab1add-6b2f-4707-b88a-b2a96c35a72d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_f01b1061-5aca-4655-89b2-ee74e065df30" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_8c405979-ab6a-4529-bbf5-005a15cadce0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_f01b1061-5aca-4655-89b2-ee74e065df30" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_8c405979-ab6a-4529-bbf5-005a15cadce0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_9bdc4757-0d8c-45cd-ba4d-47886b01c892" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_f01b1061-5aca-4655-89b2-ee74e065df30" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_9bdc4757-0d8c-45cd-ba4d-47886b01c892" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_1ec55535-6b6b-4039-a7c1-6217d7b19740" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_f01b1061-5aca-4655-89b2-ee74e065df30" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_1ec55535-6b6b-4039-a7c1-6217d7b19740" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_c56e829c-d5ad-4db5-8271-ae6b9d0ac474" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_f01b1061-5aca-4655-89b2-ee74e065df30" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_c56e829c-d5ad-4db5-8271-ae6b9d0ac474" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/INVESTMENTSDebtSecuritiesHeldtoMaturityDetails" xlink:type="simple" xlink:href="c-20260331.xsd#INVESTMENTSDebtSecuritiesHeldtoMaturityDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/INVESTMENTSDebtSecuritiesHeldtoMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_0be71e79-f7c3-4ed1-9b87-4010323fa486" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_2524346e-097a-4dc0-a29d-221ae1ee82fc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_0be71e79-f7c3-4ed1-9b87-4010323fa486" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_2524346e-097a-4dc0-a29d-221ae1ee82fc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_f82b9c9f-91d7-423f-a8f1-91f518d5e10d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_0be71e79-f7c3-4ed1-9b87-4010323fa486" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_f82b9c9f-91d7-423f-a8f1-91f518d5e10d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_31f9b14d-bba0-4bc0-84c0-707055adb967" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_0be71e79-f7c3-4ed1-9b87-4010323fa486" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_31f9b14d-bba0-4bc0-84c0-707055adb967" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/INVESTMENTSCarryingValueandFairValueofHTMDebtSecuritiesbyContractualMaturityDatesDetails" xlink:type="simple" xlink:href="c-20260331.xsd#INVESTMENTSCarryingValueandFairValueofHTMDebtSecuritiesbyContractualMaturityDatesDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/INVESTMENTSCarryingValueandFairValueofHTMDebtSecuritiesbyContractualMaturityDatesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_b14425f4-a8a3-40d8-9c1a-4ae5c051a996" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive_3f2fe167-2d77-429e-bdf5-5f82704a09f8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_b14425f4-a8a3-40d8-9c1a-4ae5c051a996" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive_3f2fe167-2d77-429e-bdf5-5f82704a09f8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne_6ba68753-c3cd-4fdf-b0a0-171a4e58a2f6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_b14425f4-a8a3-40d8-9c1a-4ae5c051a996" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne_6ba68753-c3cd-4fdf-b0a0-171a4e58a2f6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10_1ab05f73-0c59-4a89-99fd-befa959b4900" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_b14425f4-a8a3-40d8-9c1a-4ae5c051a996" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10_1ab05f73-0c59-4a89-99fd-befa959b4900" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10_e95d9017-662f-4a18-886c-d31634d331b7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_b14425f4-a8a3-40d8-9c1a-4ae5c051a996" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10_e95d9017-662f-4a18-886c-d31634d331b7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_eb8943d1-2929-4ac9-9088-cc0257bde6fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_74d9d707-c0ff-474b-94cc-dbb33b68f514" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_eb8943d1-2929-4ac9-9088-cc0257bde6fb" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_74d9d707-c0ff-474b-94cc-dbb33b68f514" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_ffa6b445-1b80-459a-aef6-da94eeb74b05" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_eb8943d1-2929-4ac9-9088-cc0257bde6fb" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_ffa6b445-1b80-459a-aef6-da94eeb74b05" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_65f7cf19-8915-462d-ba77-0dcac4f2e689" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_eb8943d1-2929-4ac9-9088-cc0257bde6fb" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_65f7cf19-8915-462d-ba77-0dcac4f2e689" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_64bd67ae-8d9f-4d6b-b511-0a81941ac5d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_eb8943d1-2929-4ac9-9088-cc0257bde6fb" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_64bd67ae-8d9f-4d6b-b511-0a81941ac5d8" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/INVESTMENTSRecognitionandMeasurementofImpairmentDetails" xlink:type="simple" xlink:href="c-20260331.xsd#INVESTMENTSRecognitionandMeasurementofImpairmentDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/INVESTMENTSRecognitionandMeasurementofImpairmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_aa372a9b-c010-4bdb-9210-879c4fef64ca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DebtSecuritiesAvailableForSaleRealizedGainLossIntentToSell_50eaed5e-fbd8-4c35-b9ae-b07334e46ac6" xlink:href="c-20260331.xsd#c_DebtSecuritiesAvailableForSaleRealizedGainLossIntentToSell"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_aa372a9b-c010-4bdb-9210-879c4fef64ca" xlink:to="loc_c_DebtSecuritiesAvailableForSaleRealizedGainLossIntentToSell_50eaed5e-fbd8-4c35-b9ae-b07334e46ac6" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/LOANSCorporateLoansCreditQualityIndicatorsDetails" xlink:type="simple" xlink:href="c-20260331.xsd#LOANSCorporateLoansCreditQualityIndicatorsDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/LOANSCorporateLoansCreditQualityIndicatorsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_c_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAndAdjustments_62af6c0d-4ff9-4cbe-bc66-c5334ad763af" xlink:href="c-20260331.xsd#c_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAndAdjustments"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_764b9512-3fe3-4e0f-8d21-7af7df1bbfb6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAndAdjustments_62af6c0d-4ff9-4cbe-bc66-c5334ad763af" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_764b9512-3fe3-4e0f-8d21-7af7df1bbfb6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_f31c3217-c6e8-4452-a415-adbce0d4fd28" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAndAdjustments_62af6c0d-4ff9-4cbe-bc66-c5334ad763af" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_f31c3217-c6e8-4452-a415-adbce0d4fd28" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_e6ac9e3f-9da9-4588-a53f-52a367806292" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAndAdjustments_62af6c0d-4ff9-4cbe-bc66-c5334ad763af" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_e6ac9e3f-9da9-4588-a53f-52a367806292" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_a8e7adb2-8f3f-4d6a-be2c-47926062ebfc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAndAdjustments_62af6c0d-4ff9-4cbe-bc66-c5334ad763af" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_a8e7adb2-8f3f-4d6a-be2c-47926062ebfc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_ad8998c7-fbc5-4b16-8c79-d1d5709d9989" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAndAdjustments_62af6c0d-4ff9-4cbe-bc66-c5334ad763af" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_ad8998c7-fbc5-4b16-8c79-d1d5709d9989" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_578eed20-dda0-45de-868e-be1c8f86b921" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAndAdjustments_62af6c0d-4ff9-4cbe-bc66-c5334ad763af" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_578eed20-dda0-45de-868e-be1c8f86b921" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_b025d4ef-a84c-483e-923d-bf48acc86127" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAndAdjustments_62af6c0d-4ff9-4cbe-bc66-c5334ad763af" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_b025d4ef-a84c-483e-923d-bf48acc86127" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_4d572ba4-5b2a-4af2-88e6-c1d7b739c2b5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAndAdjustments_62af6c0d-4ff9-4cbe-bc66-c5334ad763af" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_4d572ba4-5b2a-4af2-88e6-c1d7b739c2b5" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/LOANSConsumerLoansDelinquenciesandNonAccrualDetailsDetails" xlink:type="simple" xlink:href="c-20260331.xsd#LOANSConsumerLoansDelinquenciesandNonAccrualDetailsDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/LOANSConsumerLoansDelinquenciesandNonAccrualDetailsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_aa64de86-18e6-44df-9609-e364c7346e4e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance_c82ca667-0598-4267-81f4-e5c27cc1c049" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_aa64de86-18e6-44df-9609-e364c7346e4e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance_c82ca667-0598-4267-81f4-e5c27cc1c049" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_FinancingReceivableExcludingAccruedInterestNonaccrualWithRelatedAllowance_b645bfd4-da89-40bb-9700-804c70083278" xlink:href="c-20260331.xsd#c_FinancingReceivableExcludingAccruedInterestNonaccrualWithRelatedAllowance"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_aa64de86-18e6-44df-9609-e364c7346e4e" xlink:to="loc_c_FinancingReceivableExcludingAccruedInterestNonaccrualWithRelatedAllowance_b645bfd4-da89-40bb-9700-804c70083278" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/LOANSConsumerLoansGrossCreditLossesDetails" xlink:type="simple" xlink:href="c-20260331.xsd#LOANSConsumerLoansGrossCreditLossesDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/LOANSConsumerLoansGrossCreditLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_136718a8-e182-4796-8f64-2efd74cebd60" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_2dca6445-007b-4518-bf4a-45bfb133d135" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_136718a8-e182-4796-8f64-2efd74cebd60" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_2dca6445-007b-4518-bf4a-45bfb133d135" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_7986ae72-b4a5-4058-b11b-186ca4bd7a32" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_136718a8-e182-4796-8f64-2efd74cebd60" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_7986ae72-b4a5-4058-b11b-186ca4bd7a32" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_6c450a0f-6741-457d-8cf8-71ff6e18451d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_136718a8-e182-4796-8f64-2efd74cebd60" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_6c450a0f-6741-457d-8cf8-71ff6e18451d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_b5affc65-04b3-4f8b-9580-287d8bc139a0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_136718a8-e182-4796-8f64-2efd74cebd60" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_b5affc65-04b3-4f8b-9580-287d8bc139a0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_8907447a-7e8c-4ce1-8cd3-596290954b91" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_136718a8-e182-4796-8f64-2efd74cebd60" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_8907447a-7e8c-4ce1-8cd3-596290954b91" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_607a2b50-3f95-479c-9c6f-01e9e914c75c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_136718a8-e182-4796-8f64-2efd74cebd60" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_607a2b50-3f95-479c-9c6f-01e9e914c75c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_c6eb8789-8882-4b54-b312-d3329cb47bb4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_136718a8-e182-4796-8f64-2efd74cebd60" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_c6eb8789-8882-4b54-b312-d3329cb47bb4" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/ALLOWANCEFORCREDITLOSSESAllowanceforCreditLossesRollForwardDetails" xlink:type="simple" xlink:href="c-20260331.xsd#ALLOWANCEFORCREDITLOSSESAllowanceforCreditLossesRollForwardDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/ALLOWANCEFORCREDITLOSSESAllowanceforCreditLossesRollForwardDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_8d98a7e6-ee7a-487e-87b4-df0d20065ec7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_b8a7947a-4e5f-4bff-8519-95ff27f8a44e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_8d98a7e6-ee7a-487e-87b4-df0d20065ec7" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_b8a7947a-4e5f-4bff-8519-95ff27f8a44e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_FinancingReceivableExcludingAccruedInterestReserveBuildsOrReleasesNet_759d4b8e-c7ad-47bf-9096-3ac6bb9e6449" xlink:href="c-20260331.xsd#c_FinancingReceivableExcludingAccruedInterestReserveBuildsOrReleasesNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_8d98a7e6-ee7a-487e-87b4-df0d20065ec7" xlink:to="loc_c_FinancingReceivableExcludingAccruedInterestReserveBuildsOrReleasesNet_759d4b8e-c7ad-47bf-9096-3ac6bb9e6449" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_FinancingReceivableExcludingAccruedInterestSpecificReserveBuildsOrReleasesNet_58ef7415-08e4-4b39-b49a-13897b682917" xlink:href="c-20260331.xsd#c_FinancingReceivableExcludingAccruedInterestSpecificReserveBuildsOrReleasesNet"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_8d98a7e6-ee7a-487e-87b4-df0d20065ec7" xlink:to="loc_c_FinancingReceivableExcludingAccruedInterestSpecificReserveBuildsOrReleasesNet_58ef7415-08e4-4b39-b49a-13897b682917" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_FinancingReceivableAndOffBalanceSheetLiabilityAllowancesForCreditLoss_97d482e4-f97a-402a-ba7b-18121bd3c531" xlink:href="c-20260331.xsd#c_FinancingReceivableAndOffBalanceSheetLiabilityAllowancesForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_b0bea8ad-f903-4dc2-b851-12d137dbcd61" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableAndOffBalanceSheetLiabilityAllowancesForCreditLoss_97d482e4-f97a-402a-ba7b-18121bd3c531" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_b0bea8ad-f903-4dc2-b851-12d137dbcd61" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability_4fd00c3b-7f9c-400a-9d19-6168b9dd0640" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableAndOffBalanceSheetLiabilityAllowancesForCreditLoss_97d482e4-f97a-402a-ba7b-18121bd3c531" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiability_4fd00c3b-7f9c-400a-9d19-6168b9dd0640" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossAdjustmentsOther_fc5faf97-a168-4273-ae6c-96ad18bd20d3" xlink:href="c-20260331.xsd#c_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossAdjustmentsOther"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossForeignCurrencyTranslation_574ad795-b197-4465-8bf8-f1730cd48c73" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossForeignCurrencyTranslation"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossAdjustmentsOther_fc5faf97-a168-4273-ae6c-96ad18bd20d3" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossForeignCurrencyTranslation_574ad795-b197-4465-8bf8-f1730cd48c73" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_ec7e4e5d-85e6-408e-a8ab-ac4dc6482288" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_022f1ae4-dabb-49df-810d-f92881327dc7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_ec7e4e5d-85e6-408e-a8ab-ac4dc6482288" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_022f1ae4-dabb-49df-810d-f92881327dc7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_70b86766-e451-41c3-a00f-d234d66cc225" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_ec7e4e5d-85e6-408e-a8ab-ac4dc6482288" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_70b86766-e451-41c3-a00f-d234d66cc225" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_FinancingReceivableOffBalanceSheetLiabilityOtherAssetsAndHTMDebtSecuritiesAllowancesForCreditLoss_aba12ff1-f5f9-4d49-95e6-2b7fe8d35e42" xlink:href="c-20260331.xsd#c_FinancingReceivableOffBalanceSheetLiabilityOtherAssetsAndHTMDebtSecuritiesAllowancesForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_FinancingReceivableOtherAssetsAllowanceforCreditLoss_d936ed79-439b-4dbd-9e3d-511b81b5f67e" xlink:href="c-20260331.xsd#c_FinancingReceivableOtherAssetsAllowanceforCreditLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableOffBalanceSheetLiabilityOtherAssetsAndHTMDebtSecuritiesAllowancesForCreditLoss_aba12ff1-f5f9-4d49-95e6-2b7fe8d35e42" xlink:to="loc_c_FinancingReceivableOtherAssetsAllowanceforCreditLoss_d936ed79-439b-4dbd-9e3d-511b81b5f67e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_FinancingReceivableAndOffBalanceSheetLiabilityAllowancesForCreditLoss_c307061b-8358-4458-849e-75a1de2b4969" xlink:href="c-20260331.xsd#c_FinancingReceivableAndOffBalanceSheetLiabilityAllowancesForCreditLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableOffBalanceSheetLiabilityOtherAssetsAndHTMDebtSecuritiesAllowancesForCreditLoss_aba12ff1-f5f9-4d49-95e6-2b7fe8d35e42" xlink:to="loc_c_FinancingReceivableAndOffBalanceSheetLiabilityAllowancesForCreditLoss_c307061b-8358-4458-849e-75a1de2b4969" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_2fb0172c-eeb9-4625-bff9-add437c9cd69" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableOffBalanceSheetLiabilityOtherAssetsAndHTMDebtSecuritiesAllowancesForCreditLoss_aba12ff1-f5f9-4d49-95e6-2b7fe8d35e42" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_2fb0172c-eeb9-4625-bff9-add437c9cd69" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/ALLOWANCEFORCREDITLOSSESAllowanceforCreditLossesRollForwardbySegmentDetails" xlink:type="simple" xlink:href="c-20260331.xsd#ALLOWANCEFORCREDITLOSSESAllowanceforCreditLossesRollForwardbySegmentDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/ALLOWANCEFORCREDITLOSSESAllowanceforCreditLossesRollForwardbySegmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_60a31fc7-3784-4284-aa6a-b13dc9655fea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_17706a64-80c9-4523-8761-48f60e8152da" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_60a31fc7-3784-4284-aa6a-b13dc9655fea" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_17706a64-80c9-4523-8761-48f60e8152da" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_3bd36613-28cd-4529-810d-0b5fad0c1935" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_60a31fc7-3784-4284-aa6a-b13dc9655fea" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_3bd36613-28cd-4529-810d-0b5fad0c1935" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossesPurchasedCreditDeteriorated_4963634e-3dd6-44a2-8d5c-cfed2d60dd97" xlink:href="c-20260331.xsd#c_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossesPurchasedCreditDeteriorated"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_60a31fc7-3784-4284-aa6a-b13dc9655fea" xlink:to="loc_c_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossesPurchasedCreditDeteriorated_4963634e-3dd6-44a2-8d5c-cfed2d60dd97" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_30974d76-8d82-4e52-bf9b-2f80a94ac853" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment_6c60aef7-830a-4e83-92fa-83edf03bc9ed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_30974d76-8d82-4e52-bf9b-2f80a94ac853" xlink:to="loc_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment_6c60aef7-830a-4e83-92fa-83edf03bc9ed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_36e0d50c-5048-4b64-899d-c560ec61af87" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_30974d76-8d82-4e52-bf9b-2f80a94ac853" xlink:to="loc_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_36e0d50c-5048-4b64-899d-c560ec61af87" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_FinancingReceivablePurchasedCreditDeteriorated_4b21f6a4-a7d2-4903-8237-9831bdbc844e" xlink:href="c-20260331.xsd#c_FinancingReceivablePurchasedCreditDeteriorated"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_30974d76-8d82-4e52-bf9b-2f80a94ac853" xlink:to="loc_c_FinancingReceivablePurchasedCreditDeteriorated_4b21f6a4-a7d2-4903-8237-9831bdbc844e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_35fa8309-bd3b-40b3-95bc-aae1728fc602" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_30974d76-8d82-4e52-bf9b-2f80a94ac853" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_35fa8309-bd3b-40b3-95bc-aae1728fc602" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/ALLOWANCEFORCREDITLOSSESScheduleofAllowanceforCreditLossesforOtherAssetsDetails" xlink:type="simple" xlink:href="c-20260331.xsd#ALLOWANCEFORCREDITLOSSESScheduleofAllowanceforCreditLossesforOtherAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/ALLOWANCEFORCREDITLOSSESScheduleofAllowanceforCreditLossesforOtherAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_c_FinancingReceivableOtherAssetsCreditLossExpenseReversal_f46b5b66-c87c-484c-846a-b4a18a0a29d9" xlink:href="c-20260331.xsd#c_FinancingReceivableOtherAssetsCreditLossExpenseReversal"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_FinancingReceivableOtherAssetsAllowanceforCreditLossWriteoffAfterRecovery_5fcf8948-4155-48f2-8029-0ed0b51d5e02" xlink:href="c-20260331.xsd#c_FinancingReceivableOtherAssetsAllowanceforCreditLossWriteoffAfterRecovery"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableOtherAssetsCreditLossExpenseReversal_f46b5b66-c87c-484c-846a-b4a18a0a29d9" xlink:to="loc_c_FinancingReceivableOtherAssetsAllowanceforCreditLossWriteoffAfterRecovery_5fcf8948-4155-48f2-8029-0ed0b51d5e02" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_FinancingReceivableOtherAssetsAllowanceforCreditLossReserveBuildsReleasesNet_733499e9-484b-474d-abfa-b5eb6963ca21" xlink:href="c-20260331.xsd#c_FinancingReceivableOtherAssetsAllowanceforCreditLossReserveBuildsReleasesNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_FinancingReceivableOtherAssetsCreditLossExpenseReversal_f46b5b66-c87c-484c-846a-b4a18a0a29d9" xlink:to="loc_c_FinancingReceivableOtherAssetsAllowanceforCreditLossReserveBuildsReleasesNet_733499e9-484b-474d-abfa-b5eb6963ca21" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/GOODWILLANDINTANGIBLEASSETSComponentsofIntangibleAssetsDetails" xlink:type="simple" xlink:href="c-20260331.xsd#GOODWILLANDINTANGIBLEASSETSComponentsofIntangibleAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/GOODWILLANDINTANGIBLEASSETSComponentsofIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_c_IntangibleAssetsIncludingMortgageServicingRightsGrossCarryingAmount_91f9ebbb-cdc4-4f03-8625-3c0a03fe1f55" xlink:href="c-20260331.xsd#c_IntangibleAssetsIncludingMortgageServicingRightsGrossCarryingAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_IntangibleAssetsExcludingMortgageServicingRightsGrossCarryingAmount_195870af-61e2-4fca-9479-442e3ab9aa0e" xlink:href="c-20260331.xsd#c_IntangibleAssetsExcludingMortgageServicingRightsGrossCarryingAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_IntangibleAssetsIncludingMortgageServicingRightsGrossCarryingAmount_91f9ebbb-cdc4-4f03-8625-3c0a03fe1f55" xlink:to="loc_c_IntangibleAssetsExcludingMortgageServicingRightsGrossCarryingAmount_195870af-61e2-4fca-9479-442e3ab9aa0e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_MortgageServicingRightsMSRGrossCarryingAmount_1bb81387-9d66-4736-b6e5-4461feb2bcc1" xlink:href="c-20260331.xsd#c_MortgageServicingRightsMSRGrossCarryingAmount"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_IntangibleAssetsIncludingMortgageServicingRightsGrossCarryingAmount_91f9ebbb-cdc4-4f03-8625-3c0a03fe1f55" xlink:to="loc_c_MortgageServicingRightsMSRGrossCarryingAmount_1bb81387-9d66-4736-b6e5-4461feb2bcc1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_IntangibleAssetsIncludingMortgageServicingRights_8e70d9ef-bdd1-4940-8f8a-ee834148a8dc" xlink:href="c-20260331.xsd#c_IntangibleAssetsIncludingMortgageServicingRights"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_IntangibleAssetsIncludingMortgageServicingRightsGrossCarryingAmount_c4a3ac99-868e-4541-b2fb-cb8cb4571da8" xlink:href="c-20260331.xsd#c_IntangibleAssetsIncludingMortgageServicingRightsGrossCarryingAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_IntangibleAssetsIncludingMortgageServicingRights_8e70d9ef-bdd1-4940-8f8a-ee834148a8dc" xlink:to="loc_c_IntangibleAssetsIncludingMortgageServicingRightsGrossCarryingAmount_c4a3ac99-868e-4541-b2fb-cb8cb4571da8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_IntangibleAssetsIncludingMortgageServicingRightsAccumulatedAmortization_831f4cb2-4926-4b1f-9a5d-296090a935ba" xlink:href="c-20260331.xsd#c_IntangibleAssetsIncludingMortgageServicingRightsAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_IntangibleAssetsIncludingMortgageServicingRights_8e70d9ef-bdd1-4940-8f8a-ee834148a8dc" xlink:to="loc_c_IntangibleAssetsIncludingMortgageServicingRightsAccumulatedAmortization_831f4cb2-4926-4b1f-9a5d-296090a935ba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_IntangibleAssetsExcludingMortgageServicingRights_15f497d2-1cf3-4ade-9598-60c4b4af597e" xlink:href="c-20260331.xsd#c_IntangibleAssetsExcludingMortgageServicingRights"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_IntangibleAssetsExcludingMortgageServicingRightsGrossCarryingAmount_df88652b-a76e-4da1-8cbd-d1a837a4ce02" xlink:href="c-20260331.xsd#c_IntangibleAssetsExcludingMortgageServicingRightsGrossCarryingAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_IntangibleAssetsExcludingMortgageServicingRights_15f497d2-1cf3-4ade-9598-60c4b4af597e" xlink:to="loc_c_IntangibleAssetsExcludingMortgageServicingRightsGrossCarryingAmount_df88652b-a76e-4da1-8cbd-d1a837a4ce02" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_IntangibleAssetsExcludingMortgageServicingRightsAccumulatedAmortization_5e38d5e7-499f-4840-9f1c-b560d4ce8d9f" xlink:href="c-20260331.xsd#c_IntangibleAssetsExcludingMortgageServicingRightsAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_IntangibleAssetsExcludingMortgageServicingRights_15f497d2-1cf3-4ade-9598-60c4b4af597e" xlink:to="loc_c_IntangibleAssetsExcludingMortgageServicingRightsAccumulatedAmortization_5e38d5e7-499f-4840-9f1c-b560d4ce8d9f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/GOODWILLANDINTANGIBLEASSETSComponentsofIntangibleAssetsDetails_1" xlink:type="simple" xlink:href="c-20260331.xsd#GOODWILLANDINTANGIBLEASSETSComponentsofIntangibleAssetsDetails_1"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/GOODWILLANDINTANGIBLEASSETSComponentsofIntangibleAssetsDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_c_IntangibleAssetsIncludingMortgageServicingRights_8f57b784-00ad-40e6-a03a-603d9543ccbd" xlink:href="c-20260331.xsd#c_IntangibleAssetsIncludingMortgageServicingRights"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_IntangibleAssetsExcludingMortgageServicingRights_dbcec5e6-f6f2-4c3d-9c93-6b72365176eb" xlink:href="c-20260331.xsd#c_IntangibleAssetsExcludingMortgageServicingRights"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_IntangibleAssetsIncludingMortgageServicingRights_8f57b784-00ad-40e6-a03a-603d9543ccbd" xlink:to="loc_c_IntangibleAssetsExcludingMortgageServicingRights_dbcec5e6-f6f2-4c3d-9c93-6b72365176eb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_MortgageServicingRightsMSR_ab1f854f-d555-4109-84c3-402208dcab81" xlink:href="c-20260331.xsd#c_MortgageServicingRightsMSR"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_IntangibleAssetsIncludingMortgageServicingRights_8f57b784-00ad-40e6-a03a-603d9543ccbd" xlink:to="loc_c_MortgageServicingRightsMSR_ab1f854f-d555-4109-84c3-402208dcab81" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/DEPOSITSDetails" xlink:type="simple" xlink:href="c-20260331.xsd#DEPOSITSDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/DEPOSITSDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_6fc81c05-0fb7-4d07-8b41-d862eb6e73a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Deposits"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsDomestic_d21d3504-07f4-4d5c-b403-8f801e5adad7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsDomestic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits_6fc81c05-0fb7-4d07-8b41-d862eb6e73a8" xlink:to="loc_us-gaap_DepositsDomestic_d21d3504-07f4-4d5c-b403-8f801e5adad7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsForeign_081e230d-a76c-4739-87ff-feb759147577" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsForeign"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits_6fc81c05-0fb7-4d07-8b41-d862eb6e73a8" xlink:to="loc_us-gaap_DepositsForeign_081e230d-a76c-4739-87ff-feb759147577" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsDomestic_3405f0aa-af63-4b23-aaa4-5d25cffc8f52" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsDomestic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilitiesDomestic_f2340853-1f18-41df-b4c5-85bfc0dc1c35" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestBearingDepositLiabilitiesDomestic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DepositsDomestic_3405f0aa-af63-4b23-aaa4-5d25cffc8f52" xlink:to="loc_us-gaap_NoninterestBearingDepositLiabilitiesDomestic_f2340853-1f18-41df-b4c5-85bfc0dc1c35" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilitiesDomestic_b0e5d8d4-8f62-4323-b252-99cc58c9f3c5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestBearingDepositLiabilitiesDomestic"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DepositsDomestic_3405f0aa-af63-4b23-aaa4-5d25cffc8f52" xlink:to="loc_us-gaap_InterestBearingDepositLiabilitiesDomestic_b0e5d8d4-8f62-4323-b252-99cc58c9f3c5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsForeign_85090ab2-d4b9-42cb-bc05-7bec7662f150" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsForeign"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilitiesForeign_97b66eb1-f78f-45dd-b001-70475d913316" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestBearingDepositLiabilitiesForeign"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DepositsForeign_85090ab2-d4b9-42cb-bc05-7bec7662f150" xlink:to="loc_us-gaap_NoninterestBearingDepositLiabilitiesForeign_97b66eb1-f78f-45dd-b001-70475d913316" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilitiesForeign_0d64356e-6e84-40ce-b9f1-a03085587260" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestBearingDepositLiabilitiesForeign"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DepositsForeign_85090ab2-d4b9-42cb-bc05-7bec7662f150" xlink:to="loc_us-gaap_InterestBearingDepositLiabilitiesForeign_0d64356e-6e84-40ce-b9f1-a03085587260" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/DEBTShortTermBorrowingsDetails" xlink:type="simple" xlink:href="c-20260331.xsd#DEBTShortTermBorrowingsDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/DEBTShortTermBorrowingsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermBorrowings_f978f689-0f5b-4a45-bda1-22bfd9d9e955" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermBorrowings"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPaper_6666023d-86b8-48fa-974c-7befd9320cfc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPaper"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ShortTermBorrowings_f978f689-0f5b-4a45-bda1-22bfd9d9e955" xlink:to="loc_us-gaap_CommercialPaper_6666023d-86b8-48fa-974c-7befd9320cfc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherShortTermBorrowings_fae897e8-dd77-44ff-9890-4897c363216f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherShortTermBorrowings"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ShortTermBorrowings_f978f689-0f5b-4a45-bda1-22bfd9d9e955" xlink:to="loc_us-gaap_OtherShortTermBorrowings_fae897e8-dd77-44ff-9890-4897c363216f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/CHANGESINACCUMULATEDOTHERCOMPREHENSIVEINCOMELOSSAOCIChangeinEachComponentofAOCIDetails" xlink:type="simple" xlink:href="c-20260331.xsd#CHANGESINACCUMULATEDOTHERCOMPREHENSIVEINCOMELOSSAOCIChangeinEachComponentofAOCIDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/CHANGESINACCUMULATEDOTHERCOMPREHENSIVEINCOMELOSSAOCIChangeinEachComponentofAOCIDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_68c2bc00-3b41-4b13-ada3-85b583b82750" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax_a3921c88-8dc7-4983-97ac-64d1e2e5bf41" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_68c2bc00-3b41-4b13-ada3-85b583b82750" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax_a3921c88-8dc7-4983-97ac-64d1e2e5bf41" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax_035c3cbc-9c10-4b84-94ce-c2ff5ba26cdb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_68c2bc00-3b41-4b13-ada3-85b583b82750" xlink:to="loc_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax_035c3cbc-9c10-4b84-94ce-c2ff5ba26cdb" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/CHANGESINACCUMULATEDOTHERCOMPREHENSIVEINCOMELOSSAOCIScheduleofPreTaxandAfterTaxDetails" xlink:type="simple" xlink:href="c-20260331.xsd#CHANGESINACCUMULATEDOTHERCOMPREHENSIVEINCOMELOSSAOCIScheduleofPreTaxandAfterTaxDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/CHANGESINACCUMULATEDOTHERCOMPREHENSIVEINCOMELOSSAOCIScheduleofPreTaxandAfterTaxDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_da8ba358-94d8-4c24-b5e8-b6d15e369326" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossBeforeTax1_d91587a6-dfb7-4a77-aba3-72353028e701" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossBeforeTax1"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_da8ba358-94d8-4c24-b5e8-b6d15e369326" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossBeforeTax1_d91587a6-dfb7-4a77-aba3-72353028e701" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociIncludingPortionAttributableToNoncontrollingInterestTax_5f2d4b6e-8e60-489a-9b63-16f3e3f7cca9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AociIncludingPortionAttributableToNoncontrollingInterestTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_da8ba358-94d8-4c24-b5e8-b6d15e369326" xlink:to="loc_us-gaap_AociIncludingPortionAttributableToNoncontrollingInterestTax_5f2d4b6e-8e60-489a-9b63-16f3e3f7cca9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_37bf7e14-bc24-4001-bb7c-e82ee4dae0f5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_00a6b330-eae8-4285-9649-735670653f3c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_37bf7e14-bc24-4001-bb7c-e82ee4dae0f5" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_00a6b330-eae8-4285-9649-735670653f3c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTax_f177ca59-6538-4318-b329-8c295f41f3ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_37bf7e14-bc24-4001-bb7c-e82ee4dae0f5" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTax_f177ca59-6538-4318-b329-8c295f41f3ab" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/SECURITIZATIONSANDVARIABLEINTERESTENTITIESScheduleofVariableInterestEntitiesDetails" xlink:type="simple" xlink:href="c-20260331.xsd#SECURITIZATIONSANDVARIABLEINTERESTENTITIESScheduleofVariableInterestEntitiesDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/SECURITIZATIONSANDVARIABLEINTERESTENTITIESScheduleofVariableInterestEntitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_c_VariableInterestEntityConsolidatedAndNonconsolidatedEntitiesAssets_9f4e1630-c661-4572-9f8e-312cd0f7744c" xlink:href="c-20260331.xsd#c_VariableInterestEntityConsolidatedAndNonconsolidatedEntitiesAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_fc0af075-465a-4fc0-8de0-dde6cd49940b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_VariableInterestEntityConsolidatedAndNonconsolidatedEntitiesAssets_9f4e1630-c661-4572-9f8e-312cd0f7744c" xlink:to="loc_us-gaap_Assets_fc0af075-465a-4fc0-8de0-dde6cd49940b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_VariableInterestEntityNonconsolidatedInvolvementAssets_ddff0f66-1998-4f48-a0a1-4802dbe9139b" xlink:href="c-20260331.xsd#c_VariableInterestEntityNonconsolidatedInvolvementAssets"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_VariableInterestEntityConsolidatedAndNonconsolidatedEntitiesAssets_9f4e1630-c661-4572-9f8e-312cd0f7744c" xlink:to="loc_c_VariableInterestEntityNonconsolidatedInvolvementAssets_ddff0f66-1998-4f48-a0a1-4802dbe9139b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_VariableInterestEntityPrimaryAndNotPrimaryBeneficiaryMaximumLossExposureAmount_2bc2225e-7f3c-47e9-aaa8-452523c6c318" xlink:href="c-20260331.xsd#c_VariableInterestEntityPrimaryAndNotPrimaryBeneficiaryMaximumLossExposureAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_VariableInterestEntityFundingCommitmentsUnfundedMaximumExposureToLoss_040113b7-2cee-48d3-8602-f2e88367c6c1" xlink:href="c-20260331.xsd#c_VariableInterestEntityFundingCommitmentsUnfundedMaximumExposureToLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_VariableInterestEntityPrimaryAndNotPrimaryBeneficiaryMaximumLossExposureAmount_2bc2225e-7f3c-47e9-aaa8-452523c6c318" xlink:to="loc_c_VariableInterestEntityFundingCommitmentsUnfundedMaximumExposureToLoss_040113b7-2cee-48d3-8602-f2e88367c6c1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_VariableInterestEntityGuaranteesAndDerivativesUnfundedMaximumExposureToLoss_c5757e1a-7c2a-429c-b732-8bdc26674f8e" xlink:href="c-20260331.xsd#c_VariableInterestEntityGuaranteesAndDerivativesUnfundedMaximumExposureToLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_VariableInterestEntityPrimaryAndNotPrimaryBeneficiaryMaximumLossExposureAmount_2bc2225e-7f3c-47e9-aaa8-452523c6c318" xlink:to="loc_c_VariableInterestEntityGuaranteesAndDerivativesUnfundedMaximumExposureToLoss_c5757e1a-7c2a-429c-b732-8bdc26674f8e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_VariableInterestEntityEquityInvestmentsFundedMaximumExposureToLoss_c37819a3-9b8d-40c2-86e7-db31298a4d33" xlink:href="c-20260331.xsd#c_VariableInterestEntityEquityInvestmentsFundedMaximumExposureToLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_VariableInterestEntityPrimaryAndNotPrimaryBeneficiaryMaximumLossExposureAmount_2bc2225e-7f3c-47e9-aaa8-452523c6c318" xlink:to="loc_c_VariableInterestEntityEquityInvestmentsFundedMaximumExposureToLoss_c37819a3-9b8d-40c2-86e7-db31298a4d33" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_VariableInterestEntityDebtInvestmentsFundedMaximumExposureToLoss_2a1cc5f0-ed96-47a8-93f4-5b12451a95f8" xlink:href="c-20260331.xsd#c_VariableInterestEntityDebtInvestmentsFundedMaximumExposureToLoss"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_VariableInterestEntityPrimaryAndNotPrimaryBeneficiaryMaximumLossExposureAmount_2bc2225e-7f3c-47e9-aaa8-452523c6c318" xlink:to="loc_c_VariableInterestEntityDebtInvestmentsFundedMaximumExposureToLoss_2a1cc5f0-ed96-47a8-93f4-5b12451a95f8" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/SECURITIZATIONSANDVARIABLEINTERESTENTITIESCreditCardSecuritizationsDetails" xlink:type="simple" xlink:href="c-20260331.xsd#SECURITIZATIONSANDVARIABLEINTERESTENTITIESCreditCardSecuritizationsDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/SECURITIZATIONSANDVARIABLEINTERESTENTITIESCreditCardSecuritizationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_c_SecuritizedCreditCardReceivablesPrincipalAmountOutstanding_f4777de0-f355-440e-9258-101487dc170f" xlink:href="c-20260331.xsd#c_SecuritizedCreditCardReceivablesPrincipalAmountOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_PortionOfPrincipalAmountOutstandingOfSecuritizedAssetsAndAnyOtherFinancialAssetsManagedTogetherSoldToInvestorsViaTrustCreditCardReceivables_632bb433-7fb6-4668-b59c-dc750a6bd019" xlink:href="c-20260331.xsd#c_PortionOfPrincipalAmountOutstandingOfSecuritizedAssetsAndAnyOtherFinancialAssetsManagedTogetherSoldToInvestorsViaTrustCreditCardReceivables"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritizedCreditCardReceivablesPrincipalAmountOutstanding_f4777de0-f355-440e-9258-101487dc170f" xlink:to="loc_c_PortionOfPrincipalAmountOutstandingOfSecuritizedAssetsAndAnyOtherFinancialAssetsManagedTogetherSoldToInvestorsViaTrustCreditCardReceivables_632bb433-7fb6-4668-b59c-dc750a6bd019" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_PortionOfSecuritizedAssetsAndAnyOtherFinancialAssetsManagedTogetherRetainedByTrustIssuedSecurities_a7e31836-4bd6-482d-8ccb-98faa8d10285" xlink:href="c-20260331.xsd#c_PortionOfSecuritizedAssetsAndAnyOtherFinancialAssetsManagedTogetherRetainedByTrustIssuedSecurities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritizedCreditCardReceivablesPrincipalAmountOutstanding_f4777de0-f355-440e-9258-101487dc170f" xlink:to="loc_c_PortionOfSecuritizedAssetsAndAnyOtherFinancialAssetsManagedTogetherRetainedByTrustIssuedSecurities_a7e31836-4bd6-482d-8ccb-98faa8d10285" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_PortionOfSecuritizedAssetsAndAnyOtherFinancialAssetsManagedTogetherRetainedByReportingEntityViaNonCertificatedInterests_a900f3af-5aa4-4ff4-aba7-c9c1d05d6386" xlink:href="c-20260331.xsd#c_PortionOfSecuritizedAssetsAndAnyOtherFinancialAssetsManagedTogetherRetainedByReportingEntityViaNonCertificatedInterests"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_SecuritizedCreditCardReceivablesPrincipalAmountOutstanding_f4777de0-f355-440e-9258-101487dc170f" xlink:to="loc_c_PortionOfSecuritizedAssetsAndAnyOtherFinancialAssetsManagedTogetherRetainedByReportingEntityViaNonCertificatedInterests_a900f3af-5aa4-4ff4-aba7-c9c1d05d6386" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/SECURITIZATIONSANDVARIABLEINTERESTENTITIESMortgageServicingRightsDetails" xlink:type="simple" xlink:href="c-20260331.xsd#SECURITIZATIONSANDVARIABLEINTERESTENTITIESMortgageServicingRightsDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/SECURITIZATIONSANDVARIABLEINTERESTENTITIESMortgageServicingRightsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FeesAndCommissionsMortgageBankingAndServicing_7c711471-00a8-4301-a5a6-f254a50d6cca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FeesAndCommissionsMortgageBankingAndServicing"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractuallySpecifiedServicingFeesAmount_2d68bbd0-aa84-4a2b-977a-ce7803d4a7c0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractuallySpecifiedServicingFeesAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FeesAndCommissionsMortgageBankingAndServicing_7c711471-00a8-4301-a5a6-f254a50d6cca" xlink:to="loc_us-gaap_ContractuallySpecifiedServicingFeesAmount_2d68bbd0-aa84-4a2b-977a-ce7803d4a7c0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LateFeeIncomeGeneratedByServicingFinancialAssetsAmount_1226ddfb-1075-4a60-bfc3-fea3779f4a0e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LateFeeIncomeGeneratedByServicingFinancialAssetsAmount"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FeesAndCommissionsMortgageBankingAndServicing_7c711471-00a8-4301-a5a6-f254a50d6cca" xlink:to="loc_us-gaap_LateFeeIncomeGeneratedByServicingFinancialAssetsAmount_1226ddfb-1075-4a60-bfc3-fea3779f4a0e" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/DERIVATIVESDerivativeMarktoMarketMTMReceivablesPayablesDetails" xlink:type="simple" xlink:href="c-20260331.xsd#DERIVATIVESDerivativeMarktoMarketMTMReceivablesPayablesDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/DERIVATIVESDerivativeMarktoMarketMTMReceivablesPayablesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_c0a99644-b9d7-4f99-8848-b44e2e0a61df" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_3690265c-1748-4c2c-a7be-725b9a106625" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_c0a99644-b9d7-4f99-8848-b44e2e0a61df" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_3690265c-1748-4c2c-a7be-725b9a106625" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiability_235d9883-ff48-4b51-8dde-bab696c04a6e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_c0a99644-b9d7-4f99-8848-b44e2e0a61df" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiability_235d9883-ff48-4b51-8dde-bab696c04a6e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_9d1f1159-991f-4817-8f37-9c9f36391dd9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_c0a99644-b9d7-4f99-8848-b44e2e0a61df" xlink:to="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_9d1f1159-991f-4817-8f37-9c9f36391dd9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_14fc6c07-956f-4e2c-befd-c93dbcf93d7a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_bf136277-e93a-42f8-9717-d7ae7d710787" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_14fc6c07-956f-4e2c-befd-c93dbcf93d7a" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_bf136277-e93a-42f8-9717-d7ae7d710787" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_a7053386-f5c8-461d-bb06-641800648303" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_14fc6c07-956f-4e2c-befd-c93dbcf93d7a" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_a7053386-f5c8-461d-bb06-641800648303" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset_75b8c74e-7b48-43b7-966b-77e3a00d545e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_14fc6c07-956f-4e2c-befd-c93dbcf93d7a" xlink:to="loc_us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset_75b8c74e-7b48-43b7-966b-77e3a00d545e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_f64a8faa-19d3-4791-ac92-2f73c87bfe2c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_6d67ef62-a10b-4ea0-a16d-563c2ed73baa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_f64a8faa-19d3-4791-ac92-2f73c87bfe2c" xlink:to="loc_us-gaap_DerivativeAssets_6d67ef62-a10b-4ea0-a16d-563c2ed73baa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnCash_53db3463-a273-4451-a673-1511f5abf927" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralObligationToReturnCash"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_f64a8faa-19d3-4791-ac92-2f73c87bfe2c" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnCash_53db3463-a273-4451-a673-1511f5abf927" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_6cdc4778-0d27-4b8e-a721-36eccae21e22" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralObligationToReturnSecurities"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_f64a8faa-19d3-4791-ac92-2f73c87bfe2c" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_6cdc4778-0d27-4b8e-a721-36eccae21e22" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_6f449ee5-fa0d-42c2-a60a-70f7c36a34f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_bdae7b2d-7f0c-4536-bae3-e9a38984ff99" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_6f449ee5-fa0d-42c2-a60a-70f7c36a34f3" xlink:to="loc_us-gaap_DerivativeLiabilities_bdae7b2d-7f0c-4536-bae3-e9a38984ff99" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash_e83ed62d-919b-4931-a5e4-71251613f2f6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_6f449ee5-fa0d-42c2-a60a-70f7c36a34f3" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimCash_e83ed62d-919b-4931-a5e4-71251613f2f6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimSecurities_98b93a5e-da85-4141-a3db-c29a59b95075" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralRightToReclaimSecurities"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_6f449ee5-fa0d-42c2-a60a-70f7c36a34f3" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimSecurities_98b93a5e-da85-4141-a3db-c29a59b95075" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/FAIRVALUEMEASUREMENTMarketValuationAdjustmentsDetails" xlink:type="simple" xlink:href="c-20260331.xsd#FAIRVALUEMEASUREMENTMarketValuationAdjustmentsDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/FAIRVALUEMEASUREMENTMarketValuationAdjustmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_c_CreditFundingAndDebtValuationAdjustmentGainLoss_b9a901e2-2089-4e5c-a441-50eab1b76cfb" xlink:href="c-20260331.xsd#c_CreditFundingAndDebtValuationAdjustmentGainLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DerivativeCreditRiskAndFundingValuationAdjustmentGainLossNet_67637cf4-58a9-488a-b820-9e7fb5fcda31" xlink:href="c-20260331.xsd#c_DerivativeCreditRiskAndFundingValuationAdjustmentGainLossNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_CreditFundingAndDebtValuationAdjustmentGainLoss_b9a901e2-2089-4e5c-a441-50eab1b76cfb" xlink:to="loc_c_DerivativeCreditRiskAndFundingValuationAdjustmentGainLossNet_67637cf4-58a9-488a-b820-9e7fb5fcda31" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DerivativeDebtValuationAdjustmentGainLossonFairValueOptionLiability_40863687-7b8c-432a-898f-6586f8afe4a5" xlink:href="c-20260331.xsd#c_DerivativeDebtValuationAdjustmentGainLossonFairValueOptionLiability"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_CreditFundingAndDebtValuationAdjustmentGainLoss_b9a901e2-2089-4e5c-a441-50eab1b76cfb" xlink:to="loc_c_DerivativeDebtValuationAdjustmentGainLossonFairValueOptionLiability_40863687-7b8c-432a-898f-6586f8afe4a5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DerivativeCreditRiskAndFundingValuationAdjustmentDerivativeAssets_6641775a-3c68-48f0-a577-bfcb22ab98ce" xlink:href="c-20260331.xsd#c_DerivativeCreditRiskAndFundingValuationAdjustmentDerivativeAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCreditRiskValuationAdjustmentDerivativeLiabilities_4669c24a-aadd-4a62-b0a3-9029e824bec8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCreditRiskValuationAdjustmentDerivativeLiabilities"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_DerivativeCreditRiskAndFundingValuationAdjustmentDerivativeAssets_6641775a-3c68-48f0-a577-bfcb22ab98ce" xlink:to="loc_us-gaap_DerivativeCreditRiskValuationAdjustmentDerivativeLiabilities_4669c24a-aadd-4a62-b0a3-9029e824bec8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_CounterpartyDerivativeCreditRiskValuationAdjustmentDerivativeAssets_d7364a9e-2725-4c5e-b94e-1c3202de4598" xlink:href="c-20260331.xsd#c_CounterpartyDerivativeCreditRiskValuationAdjustmentDerivativeAssets"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_DerivativeCreditRiskAndFundingValuationAdjustmentDerivativeAssets_6641775a-3c68-48f0-a577-bfcb22ab98ce" xlink:to="loc_c_CounterpartyDerivativeCreditRiskValuationAdjustmentDerivativeAssets_d7364a9e-2725-4c5e-b94e-1c3202de4598" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DerivativeFundingValuationAdjustmentDerivativeAssets_c67986da-4c91-49b7-8484-ea4aaae0821c" xlink:href="c-20260331.xsd#c_DerivativeFundingValuationAdjustmentDerivativeAssets"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_DerivativeCreditRiskAndFundingValuationAdjustmentDerivativeAssets_6641775a-3c68-48f0-a577-bfcb22ab98ce" xlink:to="loc_c_DerivativeFundingValuationAdjustmentDerivativeAssets_c67986da-4c91-49b7-8484-ea4aaae0821c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DerivativeFundingValuationAdjustmentDerivativeLiabilities_fc04d32d-cf3d-4b22-9034-7e398ed211a9" xlink:href="c-20260331.xsd#c_DerivativeFundingValuationAdjustmentDerivativeLiabilities"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_DerivativeCreditRiskAndFundingValuationAdjustmentDerivativeAssets_6641775a-3c68-48f0-a577-bfcb22ab98ce" xlink:to="loc_c_DerivativeFundingValuationAdjustmentDerivativeLiabilities_fc04d32d-cf3d-4b22-9034-7e398ed211a9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DerivativeCreditRiskAndFundingValuationAdjustmentGainLossNet_b5610214-31c3-40e7-8274-f4ec8438ec06" xlink:href="c-20260331.xsd#c_DerivativeCreditRiskAndFundingValuationAdjustmentGainLossNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DerivativeFundingValuationAdjustmentGainLossonDerivativeAsset_d896ede8-63aa-452b-81aa-a77834a612fe" xlink:href="c-20260331.xsd#c_DerivativeFundingValuationAdjustmentGainLossonDerivativeAsset"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_DerivativeCreditRiskAndFundingValuationAdjustmentGainLossNet_b5610214-31c3-40e7-8274-f4ec8438ec06" xlink:to="loc_c_DerivativeFundingValuationAdjustmentGainLossonDerivativeAsset_d896ede8-63aa-452b-81aa-a77834a612fe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DerivativeFundingValuationAdjustmentGainLossonDerivativeLiability_af4df1b7-3044-45c8-8179-c43ed7315d71" xlink:href="c-20260331.xsd#c_DerivativeFundingValuationAdjustmentGainLossonDerivativeLiability"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_DerivativeCreditRiskAndFundingValuationAdjustmentGainLossNet_b5610214-31c3-40e7-8274-f4ec8438ec06" xlink:to="loc_c_DerivativeFundingValuationAdjustmentGainLossonDerivativeLiability_af4df1b7-3044-45c8-8179-c43ed7315d71" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DerivativeCreditRiskValuationAdjustmentGainLoss_4b5267e9-4874-4c38-8214-5fc570c4b3b5" xlink:href="c-20260331.xsd#c_DerivativeCreditRiskValuationAdjustmentGainLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_DerivativeCreditRiskAndFundingValuationAdjustmentGainLossNet_b5610214-31c3-40e7-8274-f4ec8438ec06" xlink:to="loc_c_DerivativeCreditRiskValuationAdjustmentGainLoss_4b5267e9-4874-4c38-8214-5fc570c4b3b5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_CounterpartyDerivativeCreditRiskValuationAdjustmentGainLoss_318daf06-fb5b-450c-a13f-cb1b1e4db25b" xlink:href="c-20260331.xsd#c_CounterpartyDerivativeCreditRiskValuationAdjustmentGainLoss"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_DerivativeCreditRiskAndFundingValuationAdjustmentGainLossNet_b5610214-31c3-40e7-8274-f4ec8438ec06" xlink:to="loc_c_CounterpartyDerivativeCreditRiskValuationAdjustmentGainLoss_318daf06-fb5b-450c-a13f-cb1b1e4db25b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/FAIRVALUEMEASUREMENTItemsMeasuredatFairValueonaRecurringBasisDetails" xlink:type="simple" xlink:href="c-20260331.xsd#FAIRVALUEMEASUREMENTItemsMeasuredatFairValueonaRecurringBasisDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/FAIRVALUEMEASUREMENTItemsMeasuredatFairValueonaRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_24a5fe55-b2bb-442b-a1ce-46269f9be322" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_4b51f2de-5a55-462a-af6c-a06c57b3d02a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_24a5fe55-b2bb-442b-a1ce-46269f9be322" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_4b51f2de-5a55-462a-af6c-a06c57b3d02a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_717e5be2-9638-4919-84a1-cb182b6b7721" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_24a5fe55-b2bb-442b-a1ce-46269f9be322" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_717e5be2-9638-4919-84a1-cb182b6b7721" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset_133c8874-0af9-4f7d-9481-660f8114c85e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_24a5fe55-b2bb-442b-a1ce-46269f9be322" xlink:to="loc_us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset_133c8874-0af9-4f7d-9481-660f8114c85e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFundsPurchasedAndSecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_f9d1e20f-7395-43cb-91eb-6cb18cd8bd0c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalFundsPurchasedAndSecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_FederalFundsPurchasedAndSecuritiesLoanedOrSoldUnderAgreementsToRepurchaseGross_677124c8-1aa9-4708-8a97-aee75d1ab6fa" xlink:href="c-20260331.xsd#c_FederalFundsPurchasedAndSecuritiesLoanedOrSoldUnderAgreementsToRepurchaseGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FederalFundsPurchasedAndSecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_f9d1e20f-7395-43cb-91eb-6cb18cd8bd0c" xlink:to="loc_c_FederalFundsPurchasedAndSecuritiesLoanedOrSoldUnderAgreementsToRepurchaseGross_677124c8-1aa9-4708-8a97-aee75d1ab6fa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset_beb9827c-6407-4904-bd0f-af665a18764e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FederalFundsPurchasedAndSecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_f9d1e20f-7395-43cb-91eb-6cb18cd8bd0c" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset_beb9827c-6407-4904-bd0f-af665a18764e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_d55a26ec-950d-4333-8752-91ada58f2b3f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_AssetsBeforeEffectsOfMasterNettingArrangements_c249037b-3244-41a5-b96c-c7683af58f81" xlink:href="c-20260331.xsd#c_AssetsBeforeEffectsOfMasterNettingArrangements"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_d55a26ec-950d-4333-8752-91ada58f2b3f" xlink:to="loc_c_AssetsBeforeEffectsOfMasterNettingArrangements_c249037b-3244-41a5-b96c-c7683af58f81" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_AssetsDerivativeAssetFairValueGrossLiabilityObligationToReturnCashOffsetAndSecuritiesPurchasedUnderAgreementsToResellLiability_bfa654af-2829-414d-aacd-5e57b8102f76" xlink:href="c-20260331.xsd#c_AssetsDerivativeAssetFairValueGrossLiabilityObligationToReturnCashOffsetAndSecuritiesPurchasedUnderAgreementsToResellLiability"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_d55a26ec-950d-4333-8752-91ada58f2b3f" xlink:to="loc_c_AssetsDerivativeAssetFairValueGrossLiabilityObligationToReturnCashOffsetAndSecuritiesPurchasedUnderAgreementsToResellLiability_bfa654af-2829-414d-aacd-5e57b8102f76" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DerivativeFairValueOfDerivativeAssetAndDerivativeCollateralRightToReclaimCashNet_623c5ea1-321b-4911-82d0-a78cb616daa2" xlink:href="c-20260331.xsd#c_DerivativeFairValueOfDerivativeAssetAndDerivativeCollateralRightToReclaimCashNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_3fdf853f-83f8-49aa-8e48-edad9a2af810" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_DerivativeFairValueOfDerivativeAssetAndDerivativeCollateralRightToReclaimCashNet_623c5ea1-321b-4911-82d0-a78cb616daa2" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_3fdf853f-83f8-49aa-8e48-edad9a2af810" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_96d0ffdd-3b81-4a0c-abb7-93006f431034" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_LiabilitiesBeforeEffectsOfMasterNettingArrangements_dec75d21-198f-4ecc-b75f-9a6d3ebd80cb" xlink:href="c-20260331.xsd#c_LiabilitiesBeforeEffectsOfMasterNettingArrangements"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_96d0ffdd-3b81-4a0c-abb7-93006f431034" xlink:to="loc_c_LiabilitiesBeforeEffectsOfMasterNettingArrangements_dec75d21-198f-4ecc-b75f-9a6d3ebd80cb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_LiabilitiesDerivativeLiabilityFairValueGrossAssetRightToReclaimCashOffsetAndSecuritiesSoldUnderAgreementsToRepurchaseAsset_7c8417dc-d35b-41a4-9beb-1ccc32abda64" xlink:href="c-20260331.xsd#c_LiabilitiesDerivativeLiabilityFairValueGrossAssetRightToReclaimCashOffsetAndSecuritiesSoldUnderAgreementsToRepurchaseAsset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_96d0ffdd-3b81-4a0c-abb7-93006f431034" xlink:to="loc_c_LiabilitiesDerivativeLiabilityFairValueGrossAssetRightToReclaimCashOffsetAndSecuritiesSoldUnderAgreementsToRepurchaseAsset_7c8417dc-d35b-41a4-9beb-1ccc32abda64" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_OtherAssetsBeforeEffectsOfMasterNettingArrangementsAndDerivativeCollateralRightToReclaimCashNet_2154aa40-1e7e-4016-9062-1375ce58c041" xlink:href="c-20260331.xsd#c_OtherAssetsBeforeEffectsOfMasterNettingArrangementsAndDerivativeCollateralRightToReclaimCashNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_OtherAssetsBeforeEffectsOfMasterNettingArrangements_3251e38a-dd2c-4355-8c77-1ba741fe1b02" xlink:href="c-20260331.xsd#c_OtherAssetsBeforeEffectsOfMasterNettingArrangements"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_OtherAssetsBeforeEffectsOfMasterNettingArrangementsAndDerivativeCollateralRightToReclaimCashNet_2154aa40-1e7e-4016-9062-1375ce58c041" xlink:to="loc_c_OtherAssetsBeforeEffectsOfMasterNettingArrangements_3251e38a-dd2c-4355-8c77-1ba741fe1b02" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset_a87b8cf4-bddb-4615-abbd-75e61ced35ac" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiability_bb9168b7-6df8-4f41-8a4b-fe1742a301f6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset_a87b8cf4-bddb-4615-abbd-75e61ced35ac" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiability_bb9168b7-6df8-4f41-8a4b-fe1742a301f6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_ab8218b8-ea8c-434b-ab8d-fe608a4db4e9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset_a87b8cf4-bddb-4615-abbd-75e61ced35ac" xlink:to="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_ab8218b8-ea8c-434b-ab8d-fe608a4db4e9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_DerivativeFairValueOfDerivativeLiabilityAndDerivativeCollateralRightToReclaimCashNet_899b6b5e-cbb9-421d-b16c-d8d82faf5126" xlink:href="c-20260331.xsd#c_DerivativeFairValueOfDerivativeLiabilityAndDerivativeCollateralRightToReclaimCashNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_07391a3d-4a2f-4e4d-892d-4a1f395e27a6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_c_DerivativeFairValueOfDerivativeLiabilityAndDerivativeCollateralRightToReclaimCashNet_899b6b5e-cbb9-421d-b16c-d8d82faf5126" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_07391a3d-4a2f-4e4d-892d-4a1f395e27a6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellFairValueDisclosure_09842b25-ef67-4c67-911f-c98011d59938" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellGross_33f2b7c1-fef9-4c19-9f45-f009d66add06" xlink:href="c-20260331.xsd#c_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellFairValueDisclosure_09842b25-ef67-4c67-911f-c98011d59938" xlink:to="loc_c_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellGross_33f2b7c1-fef9-4c19-9f45-f009d66add06" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellLiability_c3e4e964-739e-4da9-9a0c-8bba694603e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellLiability"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FederalFundsSoldAndSecuritiesBorrowedOrPurchasedUnderAgreementsToResellFairValueDisclosure_09842b25-ef67-4c67-911f-c98011d59938" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellLiability_c3e4e964-739e-4da9-9a0c-8bba694603e2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset_5d413783-5188-4c88-83a6-ec711cc7e239" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_7a3dbe46-248e-4e0d-9d0a-2f32b6b5642a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset_5d413783-5188-4c88-83a6-ec711cc7e239" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_7a3dbe46-248e-4e0d-9d0a-2f32b6b5642a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset_f5f171ab-4f26-437d-893c-74c8dc8419d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset_5d413783-5188-4c88-83a6-ec711cc7e239" xlink:to="loc_us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset_f5f171ab-4f26-437d-893c-74c8dc8419d8" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/FAIRVALUEMEASUREMENTItemsMeasuredatFairValueonaNonrecurringBasisDetails" xlink:type="simple" xlink:href="c-20260331.xsd#FAIRVALUEMEASUREMENTItemsMeasuredatFairValueonaNonrecurringBasisDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/FAIRVALUEMEASUREMENTItemsMeasuredatFairValueonaNonrecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_6928d042-b219-484c-9b67-496af9a4828b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_4b6bcf51-a0d3-4f85-96c8-06c9f038e87b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_6928d042-b219-484c-9b67-496af9a4828b" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_4b6bcf51-a0d3-4f85-96c8-06c9f038e87b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateAcquiredThroughForeclosure_eb48069f-b6d1-4aca-8589-7e6b6879b0bc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateAcquiredThroughForeclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_6928d042-b219-484c-9b67-496af9a4828b" xlink:to="loc_us-gaap_RealEstateAcquiredThroughForeclosure_eb48069f-b6d1-4aca-8589-7e6b6879b0bc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_LoansReceivablesWhoseCarryingAmountBasedOnFairValueOfCollateralFairValueDisclosure_1f307971-dbd6-4dce-b9d8-305aacc8d978" xlink:href="c-20260331.xsd#c_LoansReceivablesWhoseCarryingAmountBasedOnFairValueOfCollateralFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_6928d042-b219-484c-9b67-496af9a4828b" xlink:to="loc_c_LoansReceivablesWhoseCarryingAmountBasedOnFairValueOfCollateralFairValueDisclosure_1f307971-dbd6-4dce-b9d8-305aacc8d978" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_NonMarketableEquitySecurities_f8ba3e94-2ed2-409c-9ebd-044998d98904" xlink:href="c-20260331.xsd#c_NonMarketableEquitySecurities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_6928d042-b219-484c-9b67-496af9a4828b" xlink:to="loc_c_NonMarketableEquitySecurities_f8ba3e94-2ed2-409c-9ebd-044998d98904" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/GUARANTEESANDCOMMITMENTSGuaranteesDetails" xlink:type="simple" xlink:href="c-20260331.xsd#GUARANTEESANDCOMMITMENTSGuaranteesDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/GUARANTEESANDCOMMITMENTSGuaranteesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsMaximumExposure_8c15d167-a9d0-419f-94ee-2dd555fc6972" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteeObligationsMaximumExposure"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_GuaranteeObligationsMaximumExposureExpireWithinOneYear_eb2c6414-56a5-46a3-8928-89cf98e1886c" xlink:href="c-20260331.xsd#c_GuaranteeObligationsMaximumExposureExpireWithinOneYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_GuaranteeObligationsMaximumExposure_8c15d167-a9d0-419f-94ee-2dd555fc6972" xlink:to="loc_c_GuaranteeObligationsMaximumExposureExpireWithinOneYear_eb2c6414-56a5-46a3-8928-89cf98e1886c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_GuaranteeObligationsMaximumExposureExpireAfterOneYear_e4b669ac-2488-4ec5-a61a-77dd8ac5a568" xlink:href="c-20260331.xsd#c_GuaranteeObligationsMaximumExposureExpireAfterOneYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_GuaranteeObligationsMaximumExposure_8c15d167-a9d0-419f-94ee-2dd555fc6972" xlink:to="loc_c_GuaranteeObligationsMaximumExposureExpireAfterOneYear_e4b669ac-2488-4ec5-a61a-77dd8ac5a568" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/SUBSIDIARYGUARANTEESSummarizedBalanceSheetDetails" xlink:type="simple" xlink:href="c-20260331.xsd#SUBSIDIARYGUARANTEESSummarizedBalanceSheetDetails"/>
  <link:calculationLink xlink:role="http://www.citigroup.com/role/SUBSIDIARYGUARANTEESSummarizedBalanceSheetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_00196cc2-f4a3-4366-86ca-1facfa9df643" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_AdvancesFromSubsidiaries_09ac1441-877c-41d8-bc5c-f31b97092c9d" xlink:href="c-20260331.xsd#c_AdvancesFromSubsidiaries"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_00196cc2-f4a3-4366-86ca-1facfa9df643" xlink:to="loc_c_AdvancesFromSubsidiaries_09ac1441-877c-41d8-bc5c-f31b97092c9d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_12a74ca6-20aa-4e12-a6dc-4fed753463ef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherLiabilities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_00196cc2-f4a3-4366-86ca-1facfa9df643" xlink:to="loc_us-gaap_OtherLiabilities_12a74ca6-20aa-4e12-a6dc-4fed753463ef" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermBorrowings_232207fa-8ad4-4551-bdf2-332a22be34ed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermBorrowings"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_00196cc2-f4a3-4366-86ca-1facfa9df643" xlink:to="loc_us-gaap_ShortTermBorrowings_232207fa-8ad4-4551-bdf2-332a22be34ed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_66268f22-683c-435b-bc97-8542e8016281" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebt"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_00196cc2-f4a3-4366-86ca-1facfa9df643" xlink:to="loc_us-gaap_LongTermDebt_66268f22-683c-435b-bc97-8542e8016281" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingValueOfFederalFundsPurchasedSecuritiesSoldUnderAgreementsToRepurchaseAndDepositsReceivedForSecuritiesLoaned_6ff2cf1f-7648-46e5-a358-ba1524eff138" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingValueOfFederalFundsPurchasedSecuritiesSoldUnderAgreementsToRepurchaseAndDepositsReceivedForSecuritiesLoaned"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_00196cc2-f4a3-4366-86ca-1facfa9df643" xlink:to="loc_us-gaap_CarryingValueOfFederalFundsPurchasedSecuritiesSoldUnderAgreementsToRepurchaseAndDepositsReceivedForSecuritiesLoaned_6ff2cf1f-7648-46e5-a358-ba1524eff138" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_45782760-c67f-4706-a362-602f4d74c29d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_00196cc2-f4a3-4366-86ca-1facfa9df643" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_45782760-c67f-4706-a362-602f4d74c29d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingLiabilities_e9d87970-ae88-49c2-9c01-1bbe4e94cf6d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TradingLiabilities"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_00196cc2-f4a3-4366-86ca-1facfa9df643" xlink:to="loc_us-gaap_TradingLiabilities_e9d87970-ae88-49c2-9c01-1bbe4e94cf6d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_10499424-bbae-47f3-976a-fdfe4cc773c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecurities_593c7124-a59c-40f3-bc47-fd4f1209c233" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TradingSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_10499424-bbae-47f3-976a-fdfe4cc773c1" xlink:to="loc_us-gaap_TradingSecurities_593c7124-a59c-40f3-bc47-fd4f1209c233" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks_5807ca05-a48f-4972-b6ce-fb42ee29771b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_10499424-bbae-47f3-976a-fdfe4cc773c1" xlink:to="loc_us-gaap_CashAndDueFromBanks_5807ca05-a48f-4972-b6ce-fb42ee29771b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_InvestmentsInSubsidiaries_8c7b6eab-0f39-426f-b00b-0bb489058b7e" xlink:href="c-20260331.xsd#c_InvestmentsInSubsidiaries"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_10499424-bbae-47f3-976a-fdfe4cc773c1" xlink:to="loc_c_InvestmentsInSubsidiaries_8c7b6eab-0f39-426f-b00b-0bb489058b7e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_AdvancesToSubsidiaries_41f7d0c2-bc99-4f77-a779-8bbe8456e6a5" xlink:href="c-20260331.xsd#c_AdvancesToSubsidiaries"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_10499424-bbae-47f3-976a-fdfe4cc773c1" xlink:to="loc_c_AdvancesToSubsidiaries_41f7d0c2-bc99-4f77-a779-8bbe8456e6a5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed_c3651fa8-8bd5-4b11-9b7e-5ba9bcae2db8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_10499424-bbae-47f3-976a-fdfe4cc773c1" xlink:to="loc_us-gaap_CarryingValueOfFederalFundsSoldSecuritiesPurchasedUnderAgreementsToResellAndDepositsPaidForSecuritiesBorrowed_c3651fa8-8bd5-4b11-9b7e-5ba9bcae2db8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_7c3918e3-6669-43d6-bb0c-790891d673af" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_10499424-bbae-47f3-976a-fdfe4cc773c1" xlink:to="loc_us-gaap_OtherAssets_7c3918e3-6669-43d6-bb0c-790891d673af" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
