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

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019ecc20-30b2-7d91-a586-45e993769ca7,g:cbf35295-ca85-408f-a893-112c6fb0004d-->
<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:roleRef roleURI="http://www.citigroup.com/role/Cover" xlink:type="simple" xlink:href="c-20260629.xsd#Cover"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/Cover" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_019ecc20-3944-7a72-8ebe-dbfe38700d5b" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable_019ecc20-3944-71ab-97df-2bd2f852eb4b" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentInformationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019ecc20-3944-7a72-8ebe-dbfe38700d5b" xlink:to="loc_dei_DocumentInformationTable_019ecc20-3944-71ab-97df-2bd2f852eb4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-73a2-ad83-ebf0f204c0de" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable_019ecc20-3944-71ab-97df-2bd2f852eb4b" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-73a2-ad83-ebf0f204c0de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7c8c-b052-91925b76400d" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-73a2-ad83-ebf0f204c0de" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7c8c-b052-91925b76400d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-79ce-baed-c64e892c8b42" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7c8c-b052-91925b76400d" xlink:to="loc_c_EBP004Member_019ecc20-3944-79ce-baed-c64e892c8b42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationLineItems_019ecc20-3944-7e87-8894-89e27b91b35c" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentInformationLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable_019ecc20-3944-71ab-97df-2bd2f852eb4b" xlink:to="loc_dei_DocumentInformationLineItems_019ecc20-3944-7e87-8894-89e27b91b35c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_019ecc20-3944-7ee5-85cd-ac8e36e3c74e" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019ecc20-3944-7e87-8894-89e27b91b35c" xlink:to="loc_dei_DocumentType_019ecc20-3944-7ee5-85cd-ac8e36e3c74e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_019ecc20-3944-7a81-a308-cbc0e6bf7858" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019ecc20-3944-7e87-8894-89e27b91b35c" xlink:to="loc_dei_EntityRegistrantName_019ecc20-3944-7a81-a308-cbc0e6bf7858" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_019ecc20-3944-7ec8-b3be-3f0a3321ceb0" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019ecc20-3944-7e87-8894-89e27b91b35c" xlink:to="loc_dei_AmendmentFlag_019ecc20-3944-7ec8-b3be-3f0a3321ceb0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_019ecc20-3944-7c54-a974-5deaeb9292b5" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019ecc20-3944-7e87-8894-89e27b91b35c" xlink:to="loc_dei_EntityCentralIndexKey_019ecc20-3944-7c54-a974-5deaeb9292b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/StatementsofNetAssetsAvailableforBenefits" xlink:type="simple" xlink:href="c-20260629.xsd#StatementsofNetAssetsAvailableforBenefits"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/StatementsofNetAssetsAvailableforBenefits" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitAbstract_019ecc20-3944-7bfd-86d5-576aafe4663c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable_019ecc20-3944-70a4-812d-43e6596b187e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitAbstract_019ecc20-3944-7bfd-86d5-576aafe4663c" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable_019ecc20-3944-70a4-812d-43e6596b187e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-7812-9c49-1339732d808e" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable_019ecc20-3944-70a4-812d-43e6596b187e" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-7812-9c49-1339732d808e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-71a4-8bf3-03fcc1d74b49" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-7812-9c49-1339732d808e" xlink:to="loc_dei_EntityDomain_019ecc20-3944-71a4-8bf3-03fcc1d74b49" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-7ab7-8737-2deeeab1de84" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-71a4-8bf3-03fcc1d74b49" xlink:to="loc_c_EBP004Member_019ecc20-3944-7ab7-8737-2deeeab1de84" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems_019ecc20-3944-7b81-bfa8-ef75eadf0e2c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable_019ecc20-3944-70a4-812d-43e6596b187e" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems_019ecc20-3944-7b81-bfa8-ef75eadf0e2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAssetAbstract_019ecc20-3944-756c-b046-41d26497ee6f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems_019ecc20-3944-7b81-bfa8-ef75eadf0e2c" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAssetAbstract_019ecc20-3944-756c-b046-41d26497ee6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairAndContractValueAbstract_019ecc20-3944-7974-adb0-5d6c7cde454b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairAndContractValueAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAssetAbstract_019ecc20-3944-756c-b046-41d26497ee6f" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairAndContractValueAbstract_019ecc20-3944-7974-adb0-5d6c7cde454b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019ecc20-3944-713d-9426-fdba2fc7dc1e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairAndContractValueAbstract_019ecc20-3944-7974-adb0-5d6c7cde454b" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019ecc20-3944-713d-9426-fdba2fc7dc1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustContractValue_019ecc20-3944-78a8-810d-c3f2e10014be" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustContractValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairAndContractValueAbstract_019ecc20-3944-7974-adb0-5d6c7cde454b" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustContractValue_019ecc20-3944-78a8-810d-c3f2e10014be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairAndContractValue_019ecca1-7f6b-7a14-85c0-da218193b812" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairAndContractValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairAndContractValueAbstract_019ecc20-3944-7974-adb0-5d6c7cde454b" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairAndContractValue_019ecca1-7f6b-7a14-85c0-da218193b812" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract_019ecc20-3944-7446-b0f1-eeab1a300ca1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAssetAbstract_019ecc20-3944-756c-b046-41d26497ee6f" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract_019ecc20-3944-7446-b0f1-eeab1a300ca1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerContributionReceivable_019ecc20-3944-7387-b09b-448dd4fdc622" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanEmployerContributionReceivable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract_019ecc20-3944-7446-b0f1-eeab1a300ca1" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerContributionReceivable_019ecc20-3944-7387-b09b-448dd4fdc622" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPInterestAndDividendsReceivable_019ecc20-3944-771a-b7c8-049527c82b1c" xlink:href="c-20260629.xsd#c_EBPInterestAndDividendsReceivable"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract_019ecc20-3944-7446-b0f1-eeab1a300ca1" xlink:to="loc_c_EBPInterestAndDividendsReceivable_019ecc20-3944-771a-b7c8-049527c82b1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableInvestmentSale_019ecc20-3944-7e9d-a7fb-016dc87f035c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReceivableInvestmentSale"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract_019ecc20-3944-7446-b0f1-eeab1a300ca1" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableInvestmentSale_019ecc20-3944-7e9d-a7fb-016dc87f035c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantContributionReceivable_019ecc20-3944-7fd5-8621-faf1b1a1d6c3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanParticipantContributionReceivable"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract_019ecc20-3944-7446-b0f1-eeab1a300ca1" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantContributionReceivable_019ecc20-3944-7fd5-8621-faf1b1a1d6c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant_019ecc20-3944-70e9-884f-a0c2b94c5550" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract_019ecc20-3944-7446-b0f1-eeab1a300ca1" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant_019ecc20-3944-70e9-884f-a0c2b94c5550" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReceivable_019ecc20-3944-7f16-bd91-45daaea5acdc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReceivable"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract_019ecc20-3944-7446-b0f1-eeab1a300ca1" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReceivable_019ecc20-3944-7f16-bd91-45daaea5acdc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAsset_019ecc20-3944-7193-8159-852e3920b468" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAsset"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAssetAbstract_019ecc20-3944-756c-b046-41d26497ee6f" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAsset_019ecc20-3944-7193-8159-852e3920b468" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanLiabilityAbstract_019ecc20-3944-7bbd-8bd4-105af44e0a7c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanLiabilityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems_019ecc20-3944-7b81-bfa8-ef75eadf0e2c" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanLiabilityAbstract_019ecc20-3944-7bbd-8bd4-105af44e0a7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanLiabilityInvestmentPurchase_019ecc20-3944-75a4-8bac-c139ae82d59e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanLiabilityInvestmentPurchase"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanLiabilityAbstract_019ecc20-3944-7bbd-8bd4-105af44e0a7c" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanLiabilityInvestmentPurchase_019ecc20-3944-75a4-8bac-c139ae82d59e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanOtherLiability_019ecc20-3944-781e-9f69-6f832bd1a5fd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanOtherLiability"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanLiabilityAbstract_019ecc20-3944-7bbd-8bd4-105af44e0a7c" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanOtherLiability_019ecc20-3944-781e-9f69-6f832bd1a5fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAccruedExpense_019ecc20-3944-729e-9ffb-c6d84c386d5b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAccruedExpense"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanLiabilityAbstract_019ecc20-3944-7bbd-8bd4-105af44e0a7c" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAccruedExpense_019ecc20-3944-729e-9ffb-c6d84c386d5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanLiability_019ecc20-3944-7e04-bdc8-b82b10bf85c3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanLiability"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanLiabilityAbstract_019ecc20-3944-7bbd-8bd4-105af44e0a7c" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanLiability_019ecc20-3944-7e04-bdc8-b82b10bf85c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019ecc20-3944-72b7-8cad-3b43688d58ed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems_019ecc20-3944-7b81-bfa8-ef75eadf0e2c" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019ecc20-3944-72b7-8cad-3b43688d58ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/StatementofChangesinNetAssetsAvailableforBenefits" xlink:type="simple" xlink:href="c-20260629.xsd#StatementofChangesinNetAssetsAvailableforBenefits"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/StatementofChangesinNetAssetsAvailableforBenefits" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitAbstract_019ecc20-3944-7458-af9e-83501fd6c746" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitTable_019ecc20-3944-7c89-b8cb-d37b83d7d9bf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitAbstract_019ecc20-3944-7458-af9e-83501fd6c746" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitTable_019ecc20-3944-7c89-b8cb-d37b83d7d9bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-7dba-bd05-0353d4664bd8" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitTable_019ecc20-3944-7c89-b8cb-d37b83d7d9bf" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-7dba-bd05-0353d4664bd8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7f84-8f51-13190644238a" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-7dba-bd05-0353d4664bd8" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7f84-8f51-13190644238a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-7b14-bfd0-a52529e655b7" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7f84-8f51-13190644238a" xlink:to="loc_c_EBP004Member_019ecc20-3944-7b14-bfd0-a52529e655b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_019ecc20-3944-7620-bb25-5d4924827461" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitTable_019ecc20-3944-7c89-b8cb-d37b83d7d9bf" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_019ecc20-3944-7620-bb25-5d4924827461" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseAbstract_019ecc20-3944-7a92-bfc8-02165a8f342c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_019ecc20-3944-7620-bb25-5d4924827461" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseAbstract_019ecc20-3944-7a92-bfc8-02165a8f342c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestmentAbstract_019ecc20-3944-74ea-8e3a-f79e60cb1588" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestmentAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseAbstract_019ecc20-3944-7a92-bfc8-02165a8f342c" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestmentAbstract_019ecc20-3944-74ea-8e3a-f79e60cb1588" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment_019ecc20-3944-7704-806b-8d7ec2af352f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestmentAbstract_019ecc20-3944-74ea-8e3a-f79e60cb1588" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment_019ecc20-3944-7704-806b-8d7ec2af352f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnInvestment_019ecc20-3944-7c07-9a39-399f0b677dd3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnInvestment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestmentAbstract_019ecc20-3944-74ea-8e3a-f79e60cb1588" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnInvestment_019ecc20-3944-7c07-9a39-399f0b677dd3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment_019ecc20-3944-7fa4-b890-143079d9c64c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestmentAbstract_019ecc20-3944-74ea-8e3a-f79e60cb1588" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment_019ecc20-3944-7fa4-b890-143079d9c64c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment_019ecc20-3944-74b1-ab40-9d0e9aafc9cd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestmentAbstract_019ecc20-3944-74ea-8e3a-f79e60cb1588" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment_019ecc20-3944-74b1-ab40-9d0e9aafc9cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnNoteReceivableFromParticipant_019ecc20-3944-7d17-ba6d-860995f799ca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnNoteReceivableFromParticipant"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseAbstract_019ecc20-3944-7a92-bfc8-02165a8f342c" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnNoteReceivableFromParticipant_019ecc20-3944-7d17-ba6d-860995f799ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract_019ecc20-3944-7b67-a2d6-30ac9cd0a552" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseAbstract_019ecc20-3944-7a92-bfc8-02165a8f342c" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract_019ecc20-3944-7b67-a2d6-30ac9cd0a552" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForEmployerContributionCash_019ecc20-3944-7e72-b2fc-ebb84313f1a9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForEmployerContributionCash"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract_019ecc20-3944-7b67-a2d6-30ac9cd0a552" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForEmployerContributionCash_019ecc20-3944-7e72-b2fc-ebb84313f1a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionExcludingRollover_019ecc20-3944-7b6f-82ab-08f0e92cb0f2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionExcludingRollover"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract_019ecc20-3944-7b67-a2d6-30ac9cd0a552" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionExcludingRollover_019ecc20-3944-7b6f-82ab-08f0e92cb0f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionRollover_019ecc20-3944-7b1f-83e1-77d65add585f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionRollover"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract_019ecc20-3944-7b67-a2d6-30ac9cd0a552" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionRollover_019ecc20-3944-7b1f-83e1-77d65add585f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution_019ecc20-3944-7d50-958d-3f08a0ee29dc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract_019ecc20-3944-7b67-a2d6-30ac9cd0a552" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution_019ecc20-3944-7d50-958d-3f08a0ee29dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease_019ecc20-3944-732b-9743-5c5f30e85f37" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseAbstract_019ecc20-3944-7a92-bfc8-02165a8f342c" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease_019ecc20-3944-732b-9743-5c5f30e85f37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract_019ecc20-3944-7094-9fc9-693b8ded62c9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_019ecc20-3944-7620-bb25-5d4924827461" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract_019ecc20-3944-7094-9fc9-693b8ded62c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant_019ecc20-3944-7562-bbe3-cb39ab6f7238" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract_019ecc20-3944-7094-9fc9-693b8ded62c9" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant_019ecc20-3944-7562-bbe3-cb39ab6f7238" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense_019ecc20-3944-7097-99ae-7f748d8f099c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract_019ecc20-3944-7094-9fc9-693b8ded62c9" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense_019ecc20-3944-7097-99ae-7f748d8f099c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPChangeInNetAssetAvailableForBenefitDecreaseFromDividendPaidToParticipant_019ecc20-3944-70ce-933f-dd2cbefb1f1f" xlink:href="c-20260629.xsd#c_EBPChangeInNetAssetAvailableForBenefitDecreaseFromDividendPaidToParticipant"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract_019ecc20-3944-7094-9fc9-693b8ded62c9" xlink:to="loc_c_EBPChangeInNetAssetAvailableForBenefitDecreaseFromDividendPaidToParticipant_019ecc20-3944-70ce-933f-dd2cbefb1f1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease_019ecc20-3944-7ab6-91ab-093dfca845a6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract_019ecc20-3944-7094-9fc9-693b8ded62c9" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease_019ecc20-3944-7ab6-91ab-093dfca845a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPChangeInNetAssetAvailableForBenefitBeforePlanTransfersIncreaseDecrease_019ecc20-3944-72bc-86d3-100ff8acbe9f" xlink:href="c-20260629.xsd#c_EBPChangeInNetAssetAvailableForBenefitBeforePlanTransfersIncreaseDecrease"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_019ecc20-3944-7620-bb25-5d4924827461" xlink:to="loc_c_EBPChangeInNetAssetAvailableForBenefitBeforePlanTransfersIncreaseDecrease_019ecc20-3944-72bc-86d3-100ff8acbe9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019ecc20-3944-7933-abfa-fa583647b354" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_019ecc20-3944-7620-bb25-5d4924827461" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019ecc20-3944-7933-abfa-fa583647b354" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019ecc20-3944-7bfc-b37d-93c340229090" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_019ecc20-3944-7620-bb25-5d4924827461" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019ecc20-3944-7bfc-b37d-93c340229090" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/DescriptionofthePlan" xlink:type="simple" xlink:href="c-20260629.xsd#DescriptionofthePlan"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/DescriptionofthePlan" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract_019ecc20-3944-7d57-acc9-b233cc734f1d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-797f-b4c1-223d03e8e6f0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract_019ecc20-3944-7d57-acc9-b233cc734f1d" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-797f-b4c1-223d03e8e6f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-73e5-94df-690c483d01b6" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-797f-b4c1-223d03e8e6f0" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-73e5-94df-690c483d01b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7c1d-9a2e-fa1c240855b7" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-73e5-94df-690c483d01b6" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7c1d-9a2e-fa1c240855b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-7b02-ba72-1c45e9f52135" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7c1d-9a2e-fa1c240855b7" xlink:to="loc_c_EBP004Member_019ecc20-3944-7b02-ba72-1c45e9f52135" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-723d-9d16-059636abfc52" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-797f-b4c1-223d03e8e6f0" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-723d-9d16-059636abfc52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTextBlock_019ecc20-3944-7a1b-a17b-3e39c5a39739" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-723d-9d16-059636abfc52" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTextBlock_019ecc20-3944-7a1b-a17b-3e39c5a39739" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/SummaryofSignificantAccountingPolicies" xlink:type="simple" xlink:href="c-20260629.xsd#SummaryofSignificantAccountingPolicies"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/SummaryofSignificantAccountingPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract_019ecc20-3944-7829-81ef-51a22daed086" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019ecc20-3944-7571-8606-1ab3f2d53d51" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract_019ecc20-3944-7829-81ef-51a22daed086" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019ecc20-3944-7571-8606-1ab3f2d53d51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-74bb-b5c5-11a0a1ae42fd" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019ecc20-3944-7571-8606-1ab3f2d53d51" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-74bb-b5c5-11a0a1ae42fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7755-bda4-f79371e5da2e" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-74bb-b5c5-11a0a1ae42fd" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7755-bda4-f79371e5da2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-77b6-9450-9f5014e34919" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7755-bda4-f79371e5da2e" xlink:to="loc_c_EBP004Member_019ecc20-3944-77b6-9450-9f5014e34919" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019ecc20-3944-7d2e-8ee8-912cad6893ef" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019ecc20-3944-7571-8606-1ab3f2d53d51" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019ecc20-3944-7d2e-8ee8-912cad6893ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanSummaryOfAccountingPolicyTextBlock_019ecc20-3944-7e24-baff-0df12d800a39" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanSummaryOfAccountingPolicyTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019ecc20-3944-7d2e-8ee8-912cad6893ef" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanSummaryOfAccountingPolicyTextBlock_019ecc20-3944-7e24-baff-0df12d800a39" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/GuranteedInvestmentContractsGIC" xlink:type="simple" xlink:href="c-20260629.xsd#GuranteedInvestmentContractsGIC"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/GuranteedInvestmentContractsGIC" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractAbstract_019ecc20-3944-7603-b594-a403160eca2c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTable_019ecc20-3944-7bf8-955d-8d7288b113b3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractAbstract_019ecc20-3944-7603-b594-a403160eca2c" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTable_019ecc20-3944-7bf8-955d-8d7288b113b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-7204-b1a2-c2b879daee6b" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTable_019ecc20-3944-7bf8-955d-8d7288b113b3" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-7204-b1a2-c2b879daee6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7ab8-add6-000f58a747d6" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-7204-b1a2-c2b879daee6b" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7ab8-add6-000f58a747d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-7e44-ab01-17e3f1b56794" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7ab8-add6-000f58a747d6" xlink:to="loc_c_EBP004Member_019ecc20-3944-7e44-ab01-17e3f1b56794" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractLineItems_019ecc20-3944-774d-82a4-0d90e9250eff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTable_019ecc20-3944-7bf8-955d-8d7288b113b3" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractLineItems_019ecc20-3944-774d-82a4-0d90e9250eff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTextBlock_019ecc20-3944-7138-8911-96c5e37b5602" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractLineItems_019ecc20-3944-774d-82a4-0d90e9250eff" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTextBlock_019ecc20-3944-7138-8911-96c5e37b5602" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/FairValueMeasurements" xlink:type="simple" xlink:href="c-20260629.xsd#FairValueMeasurements"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/FairValueMeasurements" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract_019ecc20-3944-7366-a763-e515877e0139" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019ecc20-3944-7a7f-988b-da9ee2fcda45" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract_019ecc20-3944-7366-a763-e515877e0139" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019ecc20-3944-7a7f-988b-da9ee2fcda45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-7148-ac9e-c6f79a2bace3" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019ecc20-3944-7a7f-988b-da9ee2fcda45" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-7148-ac9e-c6f79a2bace3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-71d5-9c80-07a1ae2b325b" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-7148-ac9e-c6f79a2bace3" xlink:to="loc_dei_EntityDomain_019ecc20-3944-71d5-9c80-07a1ae2b325b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-7623-9afe-c9cbd9a2b0c0" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-71d5-9c80-07a1ae2b325b" xlink:to="loc_c_EBP004Member_019ecc20-3944-7623-9afe-c9cbd9a2b0c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019ecc20-3944-791e-816b-b557578d3ac0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019ecc20-3944-7a7f-988b-da9ee2fcda45" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019ecc20-3944-791e-816b-b557578d3ac0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTextBlock_019ecc20-3944-7dab-b3de-b98b8faae1b0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019ecc20-3944-791e-816b-b557578d3ac0" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTextBlock_019ecc20-3944-7dab-b3de-b98b8faae1b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/AdministrativeExpenses" xlink:type="simple" xlink:href="c-20260629.xsd#AdministrativeExpenses"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/AdministrativeExpenses" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract_019ecc20-3944-73fe-a76d-82c2d45a53b7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-7427-b808-9bf510243860" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract_019ecc20-3944-73fe-a76d-82c2d45a53b7" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-7427-b808-9bf510243860" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-71f9-a360-28d0df85e097" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-7427-b808-9bf510243860" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-71f9-a360-28d0df85e097" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7422-93a6-80390e2681c1" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-71f9-a360-28d0df85e097" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7422-93a6-80390e2681c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-714f-930f-ccbe0d3e5072" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7422-93a6-80390e2681c1" xlink:to="loc_c_EBP004Member_019ecc20-3944-714f-930f-ccbe0d3e5072" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-7087-985c-f647c028a407" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-7427-b808-9bf510243860" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-7087-985c-f647c028a407" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPAdministrativeExpensesTextBlock_019ecc20-3944-75a0-ac0c-f9f80b415f3c" xlink:href="c-20260629.xsd#c_EBPAdministrativeExpensesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-7087-985c-f647c028a407" xlink:to="loc_c_EBPAdministrativeExpensesTextBlock_019ecc20-3944-75a0-ac0c-f9f80b415f3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/RisksandUncertainties" xlink:type="simple" xlink:href="c-20260629.xsd#RisksandUncertainties"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/RisksandUncertainties" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpRiskAndUncertaintyAbstract_019ecc20-3944-773f-b37c-da5847fa59e3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpRiskAndUncertaintyAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpRiskAndUncertaintyTable_019ecc20-3944-75bc-a74c-f9b108f6d111" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpRiskAndUncertaintyTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpRiskAndUncertaintyAbstract_019ecc20-3944-773f-b37c-da5847fa59e3" xlink:to="loc_us-gaap-ebp_EbpRiskAndUncertaintyTable_019ecc20-3944-75bc-a74c-f9b108f6d111" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-7c90-af2b-d76321c8e0ee" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpRiskAndUncertaintyTable_019ecc20-3944-75bc-a74c-f9b108f6d111" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-7c90-af2b-d76321c8e0ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7538-b7bc-87a4a589022f" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-7c90-af2b-d76321c8e0ee" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7538-b7bc-87a4a589022f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-7cd9-bd2d-051d321ce8b1" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7538-b7bc-87a4a589022f" xlink:to="loc_c_EBP004Member_019ecc20-3944-7cd9-bd2d-051d321ce8b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpRiskAndUncertaintyLineItems_019ecc20-3944-7d80-8ed6-569ac242dd20" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpRiskAndUncertaintyLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpRiskAndUncertaintyTable_019ecc20-3944-75bc-a74c-f9b108f6d111" xlink:to="loc_us-gaap-ebp_EbpRiskAndUncertaintyLineItems_019ecc20-3944-7d80-8ed6-569ac242dd20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRiskAndUncertaintyTextBlock_019ecc20-3944-7b3e-81c7-8aed5f1d6f21" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRiskAndUncertaintyTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpRiskAndUncertaintyLineItems_019ecc20-3944-7d80-8ed6-569ac242dd20" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanRiskAndUncertaintyTextBlock_019ecc20-3944-7b3e-81c7-8aed5f1d6f21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/PartyinInterestTransactions" xlink:type="simple" xlink:href="c-20260629.xsd#PartyinInterestTransactions"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/PartyinInterestTransactions" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsAbstract_019ecc20-3944-7716-b029-86b760f31efb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019ecc20-3944-72ca-a006-3bea4fdb6248" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsAbstract_019ecc20-3944-7716-b029-86b760f31efb" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019ecc20-3944-72ca-a006-3bea4fdb6248" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-720f-a549-f2d79e578ec8" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019ecc20-3944-72ca-a006-3bea4fdb6248" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-720f-a549-f2d79e578ec8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7643-8fdf-da57bb64cb95" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-720f-a549-f2d79e578ec8" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7643-8fdf-da57bb64cb95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-7296-9035-5a99f49df53d" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7643-8fdf-da57bb64cb95" xlink:to="loc_c_EBP004Member_019ecc20-3944-7296-9035-5a99f49df53d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019ecc20-3944-7956-8651-b7c74e56b617" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019ecc20-3944-72ca-a006-3bea4fdb6248" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019ecc20-3944-7956-8651-b7c74e56b617" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTextBlock_019ecc20-3944-7124-87cc-91c8cc7fa02a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019ecc20-3944-7956-8651-b7c74e56b617" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTextBlock_019ecc20-3944-7124-87cc-91c8cc7fa02a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/TaxStatus" xlink:type="simple" xlink:href="c-20260629.xsd#TaxStatus"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/TaxStatus" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusAbstract_019ecc20-3944-70db-b787-bcb6659bda8b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanTaxStatusAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusTable_019ecc20-3944-7958-bc0f-4cc642f62872" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanTaxStatusTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusAbstract_019ecc20-3944-70db-b787-bcb6659bda8b" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusTable_019ecc20-3944-7958-bc0f-4cc642f62872" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-7994-84fc-3e0a24b7ba96" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusTable_019ecc20-3944-7958-bc0f-4cc642f62872" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-7994-84fc-3e0a24b7ba96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7212-bb81-cbdd9a70234c" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-7994-84fc-3e0a24b7ba96" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7212-bb81-cbdd9a70234c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-7121-afaa-684b4d824833" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7212-bb81-cbdd9a70234c" xlink:to="loc_c_EBP004Member_019ecc20-3944-7121-afaa-684b4d824833" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusLineItems_019ecc20-3944-7f1d-97ce-25f07ee1b3e7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanTaxStatusLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusTable_019ecc20-3944-7958-bc0f-4cc642f62872" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusLineItems_019ecc20-3944-7f1d-97ce-25f07ee1b3e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusTextBlock_019ecc20-3944-72b5-b44c-f3125b35fba3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanTaxStatusTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusLineItems_019ecc20-3944-7f1d-97ce-25f07ee1b3e7" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusTextBlock_019ecc20-3944-72b5-b44c-f3125b35fba3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/PlanTermination" xlink:type="simple" xlink:href="c-20260629.xsd#PlanTermination"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/PlanTermination" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract_019ecc20-3944-79a0-8c3e-e1948bf53f7a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-7787-8b04-4965bdedd2fc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract_019ecc20-3944-79a0-8c3e-e1948bf53f7a" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-7787-8b04-4965bdedd2fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-7988-bc81-f19082a03f05" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-7787-8b04-4965bdedd2fc" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-7988-bc81-f19082a03f05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7f68-89a7-cf8ce28b304e" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-7988-bc81-f19082a03f05" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7f68-89a7-cf8ce28b304e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-7984-9aae-db5d2619820a" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7f68-89a7-cf8ce28b304e" xlink:to="loc_c_EBP004Member_019ecc20-3944-7984-9aae-db5d2619820a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-7938-a3f2-477e26dbece2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-7787-8b04-4965bdedd2fc" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-7938-a3f2-477e26dbece2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanPlanTerminationTextBlock_019ecc20-3944-75ac-97c4-b8305b56d27b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanPlanTerminationTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-7938-a3f2-477e26dbece2" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanPlanTerminationTextBlock_019ecc20-3944-75ac-97c4-b8305b56d27b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/SubsequentEvents" xlink:type="simple" xlink:href="c-20260629.xsd#SubsequentEvents"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/SubsequentEvents" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpSubsequentEventAbstract_019ecc20-3944-79d6-b4e2-857aa6b769b3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpSubsequentEventAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpSubsequentEventTable_019ecc20-3944-7ed0-9b48-3250c70765b1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpSubsequentEventTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpSubsequentEventAbstract_019ecc20-3944-79d6-b4e2-857aa6b769b3" xlink:to="loc_us-gaap-ebp_EbpSubsequentEventTable_019ecc20-3944-7ed0-9b48-3250c70765b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-7dc9-991f-c720b577ad13" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpSubsequentEventTable_019ecc20-3944-7ed0-9b48-3250c70765b1" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-7dc9-991f-c720b577ad13" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7fa4-898c-056db9156377" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-7dc9-991f-c720b577ad13" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7fa4-898c-056db9156377" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-7156-81fd-3c1582fbbbb2" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7fa4-898c-056db9156377" xlink:to="loc_c_EBP004Member_019ecc20-3944-7156-81fd-3c1582fbbbb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpSubsequentEventLineItems_019ecc20-3944-7677-8699-5c318f017de2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpSubsequentEventLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpSubsequentEventTable_019ecc20-3944-7ed0-9b48-3250c70765b1" xlink:to="loc_us-gaap-ebp_EbpSubsequentEventLineItems_019ecc20-3944-7677-8699-5c318f017de2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanSubsequentEventTextBlock_019ecc20-3944-7b31-96a4-18aeb20cff90" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanSubsequentEventTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpSubsequentEventLineItems_019ecc20-3944-7677-8699-5c318f017de2" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanSubsequentEventTextBlock_019ecc20-3944-7b31-96a4-18aeb20cff90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/ReconciliationofFinancialStatementstoForm5500" xlink:type="simple" xlink:href="c-20260629.xsd#ReconciliationofFinancialStatementstoForm5500"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/ReconciliationofFinancialStatementstoForm5500" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Abstract_019ecc20-39d6-7263-aee3-29496e4ff9b3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Abstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Table_019ecc20-39d6-76ba-b6c6-c35a46322551" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Table"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Abstract_019ecc20-39d6-7263-aee3-29496e4ff9b3" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Table_019ecc20-39d6-76ba-b6c6-c35a46322551" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-39d6-7bd2-a974-9da0588ae306" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Table_019ecc20-39d6-76ba-b6c6-c35a46322551" xlink:to="loc_dei_LegalEntityAxis_019ecc20-39d6-7bd2-a974-9da0588ae306" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-39d6-769c-b2e1-654410964a46" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-39d6-7bd2-a974-9da0588ae306" xlink:to="loc_dei_EntityDomain_019ecc20-39d6-769c-b2e1-654410964a46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-39d6-72f7-a214-934186482ff3" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-39d6-769c-b2e1-654410964a46" xlink:to="loc_c_EBP004Member_019ecc20-39d6-72f7-a214-934186482ff3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems_019ecc20-39d6-70a0-99ee-7a7fc4e25624" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Table_019ecc20-39d6-76ba-b6c6-c35a46322551" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems_019ecc20-39d6-70a0-99ee-7a7fc4e25624" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500TextBlock_019ecc20-39d6-7fb0-bb9d-28b4be6ef259" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500TextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems_019ecc20-39d6-70a0-99ee-7a7fc4e25624" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500TextBlock_019ecc20-39d6-7fb0-bb9d-28b4be6ef259" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/ScheduleH" xlink:type="simple" xlink:href="c-20260629.xsd#ScheduleH"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/ScheduleH" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentAbstract_019ecc20-39d6-702e-8149-07a3664515bf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019ecc20-39d6-7179-bae0-36664a5fe787" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentAbstract_019ecc20-39d6-702e-8149-07a3664515bf" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019ecc20-39d6-7179-bae0-36664a5fe787" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-39d6-7713-9959-7364e12c5d38" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019ecc20-39d6-7179-bae0-36664a5fe787" xlink:to="loc_dei_LegalEntityAxis_019ecc20-39d6-7713-9959-7364e12c5d38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-39d6-7399-b61a-0bfb0151e55e" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-39d6-7713-9959-7364e12c5d38" xlink:to="loc_dei_EntityDomain_019ecc20-39d6-7399-b61a-0bfb0151e55e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-39d6-7c5d-ab9b-f8dd5bccf600" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-39d6-7399-b61a-0bfb0151e55e" xlink:to="loc_c_EBP004Member_019ecc20-39d6-7c5d-ab9b-f8dd5bccf600" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019ecc20-39d6-7d41-ae1a-cd4bfe160b1b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019ecc20-39d6-7179-bae0-36664a5fe787" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019ecc20-39d6-7d41-ae1a-cd4bfe160b1b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTableTextBlock_019ecc20-39d6-7ff4-a5e5-6f54e958c898" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019ecc20-39d6-7d41-ae1a-cd4bfe160b1b" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTableTextBlock_019ecc20-39d6-7ff4-a5e5-6f54e958c898" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/SummaryofSignificantAccountingPoliciesPolicies" xlink:type="simple" xlink:href="c-20260629.xsd#SummaryofSignificantAccountingPoliciesPolicies"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/SummaryofSignificantAccountingPoliciesPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract_019ecc20-3944-7b67-a4f6-0a0af2b0b2cc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019ecc20-3944-7a63-8e66-d0f6d0c3d893" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract_019ecc20-3944-7b67-a4f6-0a0af2b0b2cc" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019ecc20-3944-7a63-8e66-d0f6d0c3d893" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-7f10-9990-b8bc477b5e03" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019ecc20-3944-7a63-8e66-d0f6d0c3d893" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-7f10-9990-b8bc477b5e03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7a57-83b1-342a1fe7ef15" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-7f10-9990-b8bc477b5e03" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7a57-83b1-342a1fe7ef15" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-7512-b7ed-34161243c103" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7a57-83b1-342a1fe7ef15" xlink:to="loc_c_EBP004Member_019ecc20-3944-7512-b7ed-34161243c103" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019ecc20-3944-7db7-b120-56fe0d5a6907" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019ecc20-3944-7a63-8e66-d0f6d0c3d893" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019ecc20-3944-7db7-b120-56fe0d5a6907" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanBasisOfAccountingPolicyTextBlock_019ecc20-3944-7619-8537-a27042fa9b1b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanBasisOfAccountingPolicyTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019ecc20-3944-7db7-b120-56fe0d5a6907" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanBasisOfAccountingPolicyTextBlock_019ecc20-3944-7619-8537-a27042fa9b1b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanUseOfEstimatePolicyTextBlock_019ecc20-3944-7680-89da-72e18cc600df" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanUseOfEstimatePolicyTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019ecc20-3944-7db7-b120-56fe0d5a6907" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanUseOfEstimatePolicyTextBlock_019ecc20-3944-7680-89da-72e18cc600df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentPolicyTextBlock_019ecc20-3944-7e8d-93f2-06e5056634aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentPolicyTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019ecc20-3944-7db7-b120-56fe0d5a6907" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentPolicyTextBlock_019ecc20-3944-7e8d-93f2-06e5056634aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPFairValueOfOtherAssetsAndLiabilitiesPolicyTextBlock_019ecc20-3944-7835-b0a2-22e25cab6f16" xlink:href="c-20260629.xsd#c_EBPFairValueOfOtherAssetsAndLiabilitiesPolicyTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019ecc20-3944-7db7-b120-56fe0d5a6907" xlink:to="loc_c_EBPFairValueOfOtherAssetsAndLiabilitiesPolicyTextBlock_019ecc20-3944-7835-b0a2-22e25cab6f16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanPaymentToParticipantPolicyTextBlock_019ecc20-3944-7a62-a50d-ea2d746618dd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanPaymentToParticipantPolicyTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019ecc20-3944-7db7-b120-56fe0d5a6907" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanPaymentToParticipantPolicyTextBlock_019ecc20-3944-7a62-a50d-ea2d746618dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/GuranteedInvestmentContractsGICTables" xlink:type="simple" xlink:href="c-20260629.xsd#GuranteedInvestmentContractsGICTables"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/GuranteedInvestmentContractsGICTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractAbstract_019ecc20-3944-75cc-bf60-bc95f2120d3f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTable_019ecc20-3944-7beb-926f-15d62330f5cf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractAbstract_019ecc20-3944-75cc-bf60-bc95f2120d3f" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTable_019ecc20-3944-7beb-926f-15d62330f5cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-7820-88a7-c901410ed861" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTable_019ecc20-3944-7beb-926f-15d62330f5cf" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-7820-88a7-c901410ed861" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7048-a8a9-e714bb9f8481" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-7820-88a7-c901410ed861" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7048-a8a9-e714bb9f8481" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-70f4-bdb3-3924152e6614" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7048-a8a9-e714bb9f8481" xlink:to="loc_c_EBP004Member_019ecc20-3944-70f4-bdb3-3924152e6614" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractLineItems_019ecc20-3944-7ac2-8e71-7fd802fa429e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTable_019ecc20-3944-7beb-926f-15d62330f5cf" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractLineItems_019ecc20-3944-7ac2-8e71-7fd802fa429e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTableTextBlock_019ecc20-3944-76c1-8eb3-aaa51280d830" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractLineItems_019ecc20-3944-7ac2-8e71-7fd802fa429e" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTableTextBlock_019ecc20-3944-76c1-8eb3-aaa51280d830" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/FairValueMeasurementsTables" xlink:type="simple" xlink:href="c-20260629.xsd#FairValueMeasurementsTables"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/FairValueMeasurementsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract_019ecc20-3944-73f7-b565-58a2be9c74d7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019ecc20-3944-7cb7-bcbc-39a063c400c2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract_019ecc20-3944-73f7-b565-58a2be9c74d7" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019ecc20-3944-7cb7-bcbc-39a063c400c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-7088-b96e-94c6694a7c5f" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019ecc20-3944-7cb7-bcbc-39a063c400c2" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-7088-b96e-94c6694a7c5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7b76-8765-32f8fbfbd904" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-7088-b96e-94c6694a7c5f" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7b76-8765-32f8fbfbd904" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-7f49-a83a-61fe7d37a209" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7b76-8765-32f8fbfbd904" xlink:to="loc_c_EBP004Member_019ecc20-3944-7f49-a83a-61fe7d37a209" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019ecc20-3944-7aa3-9217-ffde3ded3c09" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019ecc20-3944-7cb7-bcbc-39a063c400c2" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019ecc20-3944-7aa3-9217-ffde3ded3c09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTableTextBlock_019ecc20-3944-7db9-b5e1-34b1f94edf98" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019ecc20-3944-7aa3-9217-ffde3ded3c09" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTableTextBlock_019ecc20-3944-7db9-b5e1-34b1f94edf98" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/ReconciliationofFinancialStatementstoForm5500Tables" xlink:type="simple" xlink:href="c-20260629.xsd#ReconciliationofFinancialStatementstoForm5500Tables"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/ReconciliationofFinancialStatementstoForm5500Tables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Abstract_019ecc20-39d6-7409-8ba1-10a85daf9de1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Abstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Table_019ecc20-39d6-77a6-a695-1e8b99faca26" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Table"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Abstract_019ecc20-39d6-7409-8ba1-10a85daf9de1" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Table_019ecc20-39d6-77a6-a695-1e8b99faca26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-39d6-763b-a55c-4213aeee8cc1" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Table_019ecc20-39d6-77a6-a695-1e8b99faca26" xlink:to="loc_dei_LegalEntityAxis_019ecc20-39d6-763b-a55c-4213aeee8cc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-39d6-7fa4-8980-eb36adc72d63" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-39d6-763b-a55c-4213aeee8cc1" xlink:to="loc_dei_EntityDomain_019ecc20-39d6-7fa4-8980-eb36adc72d63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-39d6-752c-86bc-5fe7826f58d3" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-39d6-7fa4-8980-eb36adc72d63" xlink:to="loc_c_EBP004Member_019ecc20-39d6-752c-86bc-5fe7826f58d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems_019ecc20-39d6-7306-a20b-bf3325ffca85" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Table_019ecc20-39d6-77a6-a695-1e8b99faca26" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems_019ecc20-39d6-7306-a20b-bf3325ffca85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500TableTextBlock_019ecc20-39d6-7ec4-b5fb-0b4e4e5874cb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500TableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems_019ecc20-39d6-7306-a20b-bf3325ffca85" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500TableTextBlock_019ecc20-39d6-7ec4-b5fb-0b4e4e5874cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/DescriptionofthePlanDetails" xlink:type="simple" xlink:href="c-20260629.xsd#DescriptionofthePlanDetails"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/DescriptionofthePlanDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract_019ecc20-3944-7012-aab9-18679e844d41" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-7fcc-b60a-0f3a0a2dd741" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract_019ecc20-3944-7012-aab9-18679e844d41" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-7fcc-b60a-0f3a0a2dd741" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-7a3c-8385-2fec9b038f3b" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-7fcc-b60a-0f3a0a2dd741" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-7a3c-8385-2fec9b038f3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7a02-bd0e-0cde56d22f47" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-7a3c-8385-2fec9b038f3b" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7a02-bd0e-0cde56d22f47" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-7880-9c33-7da05ccd2db0" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7a02-bd0e-0cde56d22f47" xlink:to="loc_c_EBP004Member_019ecc20-3944-7880-9c33-7da05ccd2db0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_019ecc20-3944-7cda-a50d-1da9b49506ac" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-7fcc-b60a-0f3a0a2dd741" xlink:to="loc_srt_RangeAxis_019ecc20-3944-7cda-a50d-1da9b49506ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019ecc20-3944-7159-842b-a7488a537d77" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_019ecc20-3944-7cda-a50d-1da9b49506ac" xlink:to="loc_srt_RangeMember_019ecc20-3944-7159-842b-a7488a537d77" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_019ecc20-3944-7063-9993-fe250bcd39b7" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019ecc20-3944-7159-842b-a7488a537d77" xlink:to="loc_srt_MinimumMember_019ecc20-3944-7063-9993-fe250bcd39b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_019ecc20-3944-7be3-8b0a-ea0606883f41" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019ecc20-3944-7159-842b-a7488a537d77" xlink:to="loc_srt_MaximumMember_019ecc20-3944-7be3-8b0a-ea0606883f41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019ecc20-3944-7fcc-b60a-0f3a0a2dd741" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantContributionPretaxMaximumAnnualCompensationToTotalCompensationPercentage_019ecc20-3944-7c37-99f0-5707daadaf4d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanParticipantContributionPretaxMaximumAnnualCompensationToTotalCompensationPercentage"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantContributionPretaxMaximumAnnualCompensationToTotalCompensationPercentage_019ecc20-3944-7c37-99f0-5707daadaf4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPInvestmentContributionMinimumIncrementPercent_019ecc20-3944-7345-b762-d3bf540446f3" xlink:href="c-20260629.xsd#c_EBPInvestmentContributionMinimumIncrementPercent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_c_EBPInvestmentContributionMinimumIncrementPercent_019ecc20-3944-7345-b762-d3bf540446f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantContributionAutomaticDeferralRate_019ecc20-3944-789f-8ee0-9749907317d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanParticipantContributionAutomaticDeferralRate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantContributionAutomaticDeferralRate_019ecc20-3944-789f-8ee0-9749907317d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPParticipantContributionAutomaticAnnualIncreaseDeferralRate_019ecc20-3944-74ec-9863-f206e8579e88" xlink:href="c-20260629.xsd#c_EBPParticipantContributionAutomaticAnnualIncreaseDeferralRate"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_c_EBPParticipantContributionAutomaticAnnualIncreaseDeferralRate_019ecc20-3944-74ec-9863-f206e8579e88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPParticipantCatchUpContributionMaximumAnnualCompensationToTotalCompensationPercentage_019efb8a-c678-7d28-a87f-cfdef3f64382" xlink:href="c-20260629.xsd#c_EBPParticipantCatchUpContributionMaximumAnnualCompensationToTotalCompensationPercentage"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_c_EBPParticipantCatchUpContributionMaximumAnnualCompensationToTotalCompensationPercentage_019efb8a-c678-7d28-a87f-cfdef3f64382" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerContributionMatchingPercentage_019ecc20-3944-7e7d-8d01-1da766a1af61" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanEmployerContributionMatchingPercentage"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerContributionMatchingPercentage_019ecc20-3944-7e7d-8d01-1da766a1af61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerContributionParticipantCompensationMatchedPercentage_019ecc20-3944-7cd0-85ba-f563a4721f45" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanEmployerContributionParticipantCompensationMatchedPercentage"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerContributionParticipantCompensationMatchedPercentage_019ecc20-3944-7cd0-85ba-f563a4721f45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPEmployerMatchingContributionParticipantsEligibleCompensation_019efb88-2c73-7cb7-b605-0971f09069ae" xlink:href="c-20260629.xsd#c_EBPEmployerMatchingContributionParticipantsEligibleCompensation"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_c_EBPEmployerMatchingContributionParticipantsEligibleCompensation_019efb88-2c73-7cb7-b605-0971f09069ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPEmployerContributionAnnualFixedRateContributionPercentage_019ecc20-3944-7071-adaa-daa41259bb0f" xlink:href="c-20260629.xsd#c_EBPEmployerContributionAnnualFixedRateContributionPercentage"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_c_EBPEmployerContributionAnnualFixedRateContributionPercentage_019ecc20-3944-7071-adaa-daa41259bb0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantContributionPretaxMaximumAnnualCompensationAmount_019ecc20-3944-7504-aaa5-f5143eb709e7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanParticipantContributionPretaxMaximumAnnualCompensationAmount"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantContributionPretaxMaximumAnnualCompensationAmount_019ecc20-3944-7504-aaa5-f5143eb709e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPEmployerContributionReceivable_019ecc20-3944-7ec5-9713-dfed6bb1a435" xlink:href="c-20260629.xsd#c_EBPEmployerContributionReceivable"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_c_EBPEmployerContributionReceivable_019ecc20-3944-7ec5-9713-dfed6bb1a435" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionRollover_019ecc20-3944-74b8-ac8e-4939f7cf0cc7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionRollover"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionRollover_019ecc20-3944-74b8-ac8e-4939f7cf0cc7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccountReallocatedToParticipant_019ecc20-3944-749d-a573-67d9e3be0f1c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccountReallocatedToParticipant"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccountReallocatedToParticipant_019ecc20-3944-749d-a573-67d9e3be0f1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccount_019ecc20-3944-713b-90d3-c2198b33dfdd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccount"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccount_019ecc20-3944-713b-90d3-c2198b33dfdd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPParticipantLoanBasisSpreadOnVariableRate_019ecc20-3944-7368-89c9-b7a162761e7a" xlink:href="c-20260629.xsd#c_EBPParticipantLoanBasisSpreadOnVariableRate"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_c_EBPParticipantLoanBasisSpreadOnVariableRate_019ecc20-3944-7368-89c9-b7a162761e7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMinimumBorrowingAmount_019ecc20-3944-742a-b175-800a028665f7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMinimumBorrowingAmount"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMinimumBorrowingAmount_019ecc20-3944-742a-b175-800a028665f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingToTotalAccountPercentage_019ecc20-3944-7e9b-bc62-8e3af2b2cb5a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingToTotalAccountPercentage"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingToTotalAccountPercentage_019ecc20-3944-7e9b-bc62-8e3af2b2cb5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingAmount_019ecc20-3944-7bb8-a49c-8e43f2036e31" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingAmount"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingAmount_019ecc20-3944-7bb8-a49c-8e43f2036e31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate_019ecc20-3944-7874-b47a-234bafaf3372" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate_019ecc20-3944-7874-b47a-234bafaf3372" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPNoteReceivableFromParticipantGeneralLoanMinimumBorrowingTerm_019ecc20-3944-74fd-a3ff-9d6c19bbba44" xlink:href="c-20260629.xsd#c_EBPNoteReceivableFromParticipantGeneralLoanMinimumBorrowingTerm"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_c_EBPNoteReceivableFromParticipantGeneralLoanMinimumBorrowingTerm_019ecc20-3944-74fd-a3ff-9d6c19bbba44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPNoteReceivableFromParticipantGeneralLoanMaximumBorrowingTerm_019ecc20-3944-77fa-acf3-979f5bac7698" xlink:href="c-20260629.xsd#c_EBPNoteReceivableFromParticipantGeneralLoanMaximumBorrowingTerm"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_c_EBPNoteReceivableFromParticipantGeneralLoanMaximumBorrowingTerm_019ecc20-3944-77fa-acf3-979f5bac7698" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPNoteReceivableFromParticipantAccountPrimaryResidenceMaximumBorrowingTerm_019ecc20-3944-7dd5-a381-049964426a00" xlink:href="c-20260629.xsd#c_EBPNoteReceivableFromParticipantAccountPrimaryResidenceMaximumBorrowingTerm"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_c_EBPNoteReceivableFromParticipantAccountPrimaryResidenceMaximumBorrowingTerm_019ecc20-3944-7dd5-a381-049964426a00" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPLoanApplicationFee_019ecc20-3944-7e6e-a3e4-fa52bed5c5d4" xlink:href="c-20260629.xsd#c_EBPLoanApplicationFee"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_c_EBPLoanApplicationFee_019ecc20-3944-7e6e-a3e4-fa52bed5c5d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPInvoluntaryCashOutLimit_019ecc20-3944-7900-b3cb-ca2a1df54e9c" xlink:href="c-20260629.xsd#c_EBPInvoluntaryCashOutLimit"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_c_EBPInvoluntaryCashOutLimit_019ecc20-3944-7900-b3cb-ca2a1df54e9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPParticipantAccountBalanceThresholdForAutomaticDistributionUponEmploymentTermination_019efb92-d984-7dea-a0a2-5e28677bc80c" xlink:href="c-20260629.xsd#c_EBPParticipantAccountBalanceThresholdForAutomaticDistributionUponEmploymentTermination"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019ecc20-3944-78f3-926d-add6fa386d23" xlink:to="loc_c_EBPParticipantAccountBalanceThresholdForAutomaticDistributionUponEmploymentTermination_019efb92-d984-7dea-a0a2-5e28677bc80c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/GuranteedInvestmentContractsGICDetails" xlink:type="simple" xlink:href="c-20260629.xsd#GuranteedInvestmentContractsGICDetails"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/GuranteedInvestmentContractsGICDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractAbstract_019ecc20-3944-714f-bf2d-8a87fc0fc23a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTable_019ecc20-3944-76df-a68c-3633a98b26f9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractAbstract_019ecc20-3944-714f-bf2d-8a87fc0fc23a" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTable_019ecc20-3944-76df-a68c-3633a98b26f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-7ed5-8178-95a9dbfeca17" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTable_019ecc20-3944-76df-a68c-3633a98b26f9" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-7ed5-8178-95a9dbfeca17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-758e-bded-2ad4ee2742d4" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-7ed5-8178-95a9dbfeca17" xlink:to="loc_dei_EntityDomain_019ecc20-3944-758e-bded-2ad4ee2742d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-7949-9da4-442e3c4658f6" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-758e-bded-2ad4ee2742d4" xlink:to="loc_c_EBP004Member_019ecc20-3944-7949-9da4-442e3c4658f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractLineItems_019ecc20-3944-7dd9-abe2-3a76662e1c17" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractTable_019ecc20-3944-76df-a68c-3633a98b26f9" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractLineItems_019ecc20-3944-7dd9-abe2-3a76662e1c17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustContractValue_019ecc20-3944-76cb-95d0-d656ba21e08a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustContractValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractLineItems_019ecc20-3944-7dd9-abe2-3a76662e1c17" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustContractValue_019ecc20-3944-76cb-95d0-d656ba21e08a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/FairValueMeasurementsDetails" xlink:type="simple" xlink:href="c-20260629.xsd#FairValueMeasurementsDetails"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/FairValueMeasurementsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract_019ecc20-3944-74fa-a1eb-3e34abd0e8ac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019ecc20-3944-7819-85e2-c4aa752af925" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract_019ecc20-3944-74fa-a1eb-3e34abd0e8ac" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019ecc20-3944-7819-85e2-c4aa752af925" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-7580-a2a1-891b7abdab9d" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019ecc20-3944-7819-85e2-c4aa752af925" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-7580-a2a1-891b7abdab9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7627-9822-cbb34bdd1485" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-7580-a2a1-891b7abdab9d" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7627-9822-cbb34bdd1485" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-71f5-8afa-a346f08b414f" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7627-9822-cbb34bdd1485" xlink:to="loc_c_EBP004Member_019ecc20-3944-71f5-8afa-a346f08b414f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019ecc20-3944-7161-9aec-253bed89ed5f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019ecc20-3944-7819-85e2-c4aa752af925" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019ecc20-3944-7161-9aec-253bed89ed5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019ecc20-3944-7de0-86f8-a294df8003b9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019ecc20-3944-7161-9aec-253bed89ed5f" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019ecc20-3944-7de0-86f8-a294df8003b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel12And3Member_019ecc20-3944-7216-8cf9-7ab3f3360d81" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel12And3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019ecc20-3944-7de0-86f8-a294df8003b9" xlink:to="loc_us-gaap_FairValueInputsLevel12And3Member_019ecc20-3944-7216-8cf9-7ab3f3360d81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019ecc20-3944-7a52-b1c0-80626f279aa9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueInputsLevel12And3Member_019ecc20-3944-7216-8cf9-7ab3f3360d81" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019ecc20-3944-7a52-b1c0-80626f279aa9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019ecc20-3944-7e2a-8be8-d0eda59fdfe1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueInputsLevel12And3Member_019ecc20-3944-7216-8cf9-7ab3f3360d81" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019ecc20-3944-7e2a-8be8-d0eda59fdfe1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_019ecc20-3944-7a22-acfe-f98bfb3398c9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019ecc20-3944-7819-85e2-c4aa752af925" xlink:to="loc_us-gaap_InvestmentTypeAxis_019ecc20-3944-7a22-acfe-f98bfb3398c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-3944-715a-8239-0c44db084fdb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_019ecc20-3944-7a22-acfe-f98bfb3398c9" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-3944-715a-8239-0c44db084fdb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_CashEquivalentsAndShortTermInvestmentsMember_019ecc20-3944-71f0-a212-891872ca42a4" xlink:href="c-20260629.xsd#c_CashEquivalentsAndShortTermInvestmentsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-3944-715a-8239-0c44db084fdb" xlink:to="loc_c_CashEquivalentsAndShortTermInvestmentsMember_019ecc20-3944-71f0-a212-891872ca42a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_019ecc20-3944-7be8-bc6c-19131baea8fe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-3944-715a-8239-0c44db084fdb" xlink:to="loc_us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_019ecc20-3944-7be8-bc6c-19131baea8fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_USEquitiesMember_019ecc20-3944-7628-b6b4-1c205fe5b8ad" xlink:href="c-20260629.xsd#c_USEquitiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-3944-715a-8239-0c44db084fdb" xlink:to="loc_c_USEquitiesMember_019ecc20-3944-7628-b6b4-1c205fe5b8ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_NonUSEquitiesMember_019ecc20-3944-7788-9db9-bd233fd34f66" xlink:href="c-20260629.xsd#c_NonUSEquitiesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-3944-715a-8239-0c44db084fdb" xlink:to="loc_c_NonUSEquitiesMember_019ecc20-3944-7788-9db9-bd233fd34f66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MutualFundMember_019ecc20-3944-7f02-a306-6389d553230d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MutualFundMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-3944-715a-8239-0c44db084fdb" xlink:to="loc_us-gaap_MutualFundMember_019ecc20-3944-7f02-a306-6389d553230d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019ecc20-3944-74f1-88ab-e5b05c629235" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019ecc20-3944-7819-85e2-c4aa752af925" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019ecc20-3944-74f1-88ab-e5b05c629235" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019ecc20-3944-782b-b632-c4b3a9c06665" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019ecc20-3944-74f1-88ab-e5b05c629235" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019ecc20-3944-782b-b632-c4b3a9c06665" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpInvestmentLiabilityFairValue_019ecc20-3944-7a56-a164-f8b855de6b1d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpInvestmentLiabilityFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019ecc20-3944-74f1-88ab-e5b05c629235" xlink:to="loc_us-gaap-ebp_EbpInvestmentLiabilityFairValue_019ecc20-3944-7a56-a164-f8b855de6b1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/RisksandUncertaintiesDetails" xlink:type="simple" xlink:href="c-20260629.xsd#RisksandUncertaintiesDetails"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/RisksandUncertaintiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpRiskAndUncertaintyAbstract_019efb28-79e9-7c42-878d-4cfdc1b9bdfa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpRiskAndUncertaintyAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpRiskAndUncertaintyTable_019efb28-79e9-7283-8df7-099a4cd1b435" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpRiskAndUncertaintyTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpRiskAndUncertaintyAbstract_019efb28-79e9-7c42-878d-4cfdc1b9bdfa" xlink:to="loc_us-gaap-ebp_EbpRiskAndUncertaintyTable_019efb28-79e9-7283-8df7-099a4cd1b435" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efb28-79e9-76b4-85d6-00ec259abb1e" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpRiskAndUncertaintyTable_019efb28-79e9-7283-8df7-099a4cd1b435" xlink:to="loc_dei_LegalEntityAxis_019efb28-79e9-76b4-85d6-00ec259abb1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efb28-79e9-7f0b-8f09-7f7fa6cec39c" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efb28-79e9-76b4-85d6-00ec259abb1e" xlink:to="loc_dei_EntityDomain_019efb28-79e9-7f0b-8f09-7f7fa6cec39c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019efb28-79e9-7093-b7d2-31b7eb6dd443" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efb28-79e9-7f0b-8f09-7f7fa6cec39c" xlink:to="loc_c_EBP004Member_019efb28-79e9-7093-b7d2-31b7eb6dd443" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_019efb29-00f3-7ffd-852b-1d90535eb46f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpRiskAndUncertaintyTable_019efb28-79e9-7283-8df7-099a4cd1b435" xlink:to="loc_us-gaap_InvestmentTypeAxis_019efb29-00f3-7ffd-852b-1d90535eb46f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019efb29-00f3-797b-b51d-c295dc2d8964" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_019efb29-00f3-7ffd-852b-1d90535eb46f" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019efb29-00f3-797b-b51d-c295dc2d8964" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockMember_019efb29-00f3-75f8-b951-646c4d08cc65" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019efb29-00f3-797b-b51d-c295dc2d8964" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockMember_019efb29-00f3-75f8-b951-646c4d08cc65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpRiskAndUncertaintyLineItems_019efb28-79e9-7b1f-8e6a-07fe34e602fc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpRiskAndUncertaintyLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpRiskAndUncertaintyTable_019efb28-79e9-7283-8df7-099a4cd1b435" xlink:to="loc_us-gaap-ebp_EbpRiskAndUncertaintyLineItems_019efb28-79e9-7b1f-8e6a-07fe34e602fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpRiskAndUncertaintyConcentrationOfInvestmentAtFairValueToTotalInvestmentsPercentage_019efb29-00f3-7ff7-9554-97091b1450da" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpRiskAndUncertaintyConcentrationOfInvestmentAtFairValueToTotalInvestmentsPercentage"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpRiskAndUncertaintyLineItems_019efb28-79e9-7b1f-8e6a-07fe34e602fc" xlink:to="loc_us-gaap-ebp_EbpRiskAndUncertaintyConcentrationOfInvestmentAtFairValueToTotalInvestmentsPercentage_019efb29-00f3-7ff7-9554-97091b1450da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/PartyinInterestTransactionsDetails" xlink:type="simple" xlink:href="c-20260629.xsd#PartyinInterestTransactionsDetails"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/PartyinInterestTransactionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsAbstract_019ecc20-3944-793e-a62a-24ed27b3870c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019ecc20-3944-7b2b-b156-bd9722ab9a24" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsAbstract_019ecc20-3944-793e-a62a-24ed27b3870c" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019ecc20-3944-7b2b-b156-bd9722ab9a24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-3944-74e9-92d5-ea95ba4cfb9a" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019ecc20-3944-7b2b-b156-bd9722ab9a24" xlink:to="loc_dei_LegalEntityAxis_019ecc20-3944-74e9-92d5-ea95ba4cfb9a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-3944-7e10-9916-6ad7765972b4" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-3944-74e9-92d5-ea95ba4cfb9a" xlink:to="loc_dei_EntityDomain_019ecc20-3944-7e10-9916-6ad7765972b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-3944-709d-8975-82803bde6106" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-3944-7e10-9916-6ad7765972b4" xlink:to="loc_c_EBP004Member_019ecc20-3944-709d-8975-82803bde6106" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_019ecc20-3944-7e9e-a507-9076c85c3fb3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019ecc20-3944-7b2b-b156-bd9722ab9a24" xlink:to="loc_us-gaap_InvestmentTypeAxis_019ecc20-3944-7e9e-a507-9076c85c3fb3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-3944-796e-bc62-bd320ed91e35" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_019ecc20-3944-7e9e-a507-9076c85c3fb3" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-3944-796e-bc62-bd320ed91e35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockMember_019ecc20-3944-7391-942b-ebaff83dcfe4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-3944-796e-bc62-bd320ed91e35" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockMember_019ecc20-3944-7391-942b-ebaff83dcfe4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpNonemployerCommonStockMember_019ecc20-3944-7887-9d6d-f368fdd6aa61" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpNonemployerCommonStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-3944-796e-bc62-bd320ed91e35" xlink:to="loc_us-gaap-ebp_EbpNonemployerCommonStockMember_019ecc20-3944-7887-9d6d-f368fdd6aa61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanTraditionalGuaranteedInvestmentContractMember_019ecc20-3944-796b-9ae5-2b729927314b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanTraditionalGuaranteedInvestmentContractMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-3944-796e-bc62-bd320ed91e35" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanTraditionalGuaranteedInvestmentContractMember_019ecc20-3944-796b-9ae5-2b729927314b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestAxis_019ecc20-3944-75d0-adeb-4834f282e276" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019ecc20-3944-7b2b-b156-bd9722ab9a24" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestAxis_019ecc20-3944-75d0-adeb-4834f282e276" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestDomain_019ecc20-3944-7a80-af1a-51f062265c62" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestAxis_019ecc20-3944-75d0-adeb-4834f282e276" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestDomain_019ecc20-3944-7a80-af1a-51f062265c62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_BankOfNewYorkMelonShortTermInvestmentFundMember_019ecc20-3944-7b78-9bf8-b2409ff3445f" xlink:href="c-20260629.xsd#c_BankOfNewYorkMelonShortTermInvestmentFundMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestDomain_019ecc20-3944-7a80-af1a-51f062265c62" xlink:to="loc_c_BankOfNewYorkMelonShortTermInvestmentFundMember_019ecc20-3944-7b78-9bf8-b2409ff3445f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019ecc20-3944-7a7a-97f9-c999695c9b2a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019ecc20-3944-7b2b-b156-bd9722ab9a24" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019ecc20-3944-7a7a-97f9-c999695c9b2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019ecc20-3944-7c3e-aef7-a1be33247005" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019ecc20-3944-7a7a-97f9-c999695c9b2a" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019ecc20-3944-7c3e-aef7-a1be33247005" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment_019efb96-77b8-775d-986e-5f3d9c2c1585" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019ecc20-3944-7a7a-97f9-c999695c9b2a" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment_019efb96-77b8-775d-986e-5f3d9c2c1585" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustContractValue_019ecc20-3944-72df-b37d-d3b74d604ade" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustContractValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019ecc20-3944-7a7a-97f9-c999695c9b2a" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustContractValue_019ecc20-3944-72df-b37d-d3b74d604ade" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/PlanTerminationDetails" xlink:type="simple" xlink:href="c-20260629.xsd#PlanTerminationDetails"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/PlanTerminationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract_019efb2a-37b9-7eb9-bcf8-5fd6d55c645d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019efb2a-37b9-7a33-b1d6-7202507ea7ee" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract_019efb2a-37b9-7eb9-bcf8-5fd6d55c645d" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019efb2a-37b9-7a33-b1d6-7202507ea7ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efb2a-37b9-7ee7-980d-b908c2a02589" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019efb2a-37b9-7a33-b1d6-7202507ea7ee" xlink:to="loc_dei_LegalEntityAxis_019efb2a-37b9-7ee7-980d-b908c2a02589" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efb2a-37b9-7842-8ebe-c088c394e758" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efb2a-37b9-7ee7-980d-b908c2a02589" xlink:to="loc_dei_EntityDomain_019efb2a-37b9-7842-8ebe-c088c394e758" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019efb2a-37b9-724b-b264-8efd39dc8e99" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efb2a-37b9-7842-8ebe-c088c394e758" xlink:to="loc_c_EBP004Member_019efb2a-37b9-724b-b264-8efd39dc8e99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efb2a-37b9-7c38-a12c-ab82ac811746" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019efb2a-37b9-7a33-b1d6-7202507ea7ee" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efb2a-37b9-7c38-a12c-ab82ac811746" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPPlanTerminationVestingOfAmountsCreditedToParticipantAccountsPercentage_019efb2a-c2d7-7d18-ad7e-0586084fe785" xlink:href="c-20260629.xsd#c_EBPPlanTerminationVestingOfAmountsCreditedToParticipantAccountsPercentage"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efb2a-37b9-7c38-a12c-ab82ac811746" xlink:to="loc_c_EBPPlanTerminationVestingOfAmountsCreditedToParticipantAccountsPercentage_019efb2a-c2d7-7d18-ad7e-0586084fe785" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/ReconciliationofFinancialStatementstoForm5500Details" xlink:type="simple" xlink:href="c-20260629.xsd#ReconciliationofFinancialStatementstoForm5500Details"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/ReconciliationofFinancialStatementstoForm5500Details" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Abstract_019ecc20-39d6-7bcf-91e7-45037548a866" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Abstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Table_019ecc20-39d6-7ad2-867b-8efe08b9f68e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Table"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Abstract_019ecc20-39d6-7bcf-91e7-45037548a866" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Table_019ecc20-39d6-7ad2-867b-8efe08b9f68e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-39d6-7dbf-ad42-ae8f008d6210" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Table_019ecc20-39d6-7ad2-867b-8efe08b9f68e" xlink:to="loc_dei_LegalEntityAxis_019ecc20-39d6-7dbf-ad42-ae8f008d6210" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-39d6-78a5-b0c2-9bbdbada4fc6" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-39d6-7dbf-ad42-ae8f008d6210" xlink:to="loc_dei_EntityDomain_019ecc20-39d6-78a5-b0c2-9bbdbada4fc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-39d6-7270-9fe5-c2175e6aded8" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-39d6-78a5-b0c2-9bbdbada4fc6" xlink:to="loc_c_EBP004Member_019ecc20-39d6-7270-9fe5-c2175e6aded8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems_019ecc20-39d6-7bcc-9f18-ecba6949d701" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500Table_019ecc20-39d6-7ad2-867b-8efe08b9f68e" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems_019ecc20-39d6-7bcc-9f18-ecba6949d701" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019ecc20-39d6-70d8-8f72-bab4ea6265dd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems_019ecc20-39d6-7bcc-9f18-ecba6949d701" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019ecc20-39d6-70d8-8f72-bab4ea6265dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500NetAssetAvailableForBenefitContractValueToCurrentValueAdjustment_019ecc20-39d6-7c76-abba-0899a1ad10e5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500NetAssetAvailableForBenefitContractValueToCurrentValueAdjustment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems_019ecc20-39d6-7bcc-9f18-ecba6949d701" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500NetAssetAvailableForBenefitContractValueToCurrentValueAdjustment_019ecc20-39d6-7c76-abba-0899a1ad10e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetAssetAvailableForBenefit_019ecc20-39d6-76da-aa69-ba7736aa6a66" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetAssetAvailableForBenefit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems_019ecc20-39d6-7bcc-9f18-ecba6949d701" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetAssetAvailableForBenefit_019ecc20-39d6-76da-aa69-ba7736aa6a66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease_019ecc20-39d6-76cc-99fc-6cfd38d8407b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems_019ecc20-39d6-7bcc-9f18-ecba6949d701" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease_019ecc20-39d6-76cc-99fc-6cfd38d8407b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBPReconciliationToForm5500ChangeInNetAssetAvailableForBenefitPriorYearIncreaseDecreaseFromContractValueToCurrentValue_019ecc20-39d6-7bea-8ba7-fc3faf93adfb" xlink:href="c-20260629.xsd#c_EBPReconciliationToForm5500ChangeInNetAssetAvailableForBenefitPriorYearIncreaseDecreaseFromContractValueToCurrentValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems_019ecc20-39d6-7bcc-9f18-ecba6949d701" xlink:to="loc_c_EBPReconciliationToForm5500ChangeInNetAssetAvailableForBenefitPriorYearIncreaseDecreaseFromContractValueToCurrentValue_019ecc20-39d6-7bea-8ba7-fc3faf93adfb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitIncreaseDecreaseForContractValueToCurrentValue_019ecc20-39d6-7ddc-8fea-1f6d204a03dd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitIncreaseDecreaseForContractValueToCurrentValue"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems_019ecc20-39d6-7bcc-9f18-ecba6949d701" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitIncreaseDecreaseForContractValueToCurrentValue_019ecc20-39d6-7ddc-8fea-1f6d204a03dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetIncomeLoss_019ecc20-39d6-7f99-b9a6-857083f37e29" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetIncomeLoss"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500LineItems_019ecc20-39d6-7bcc-9f18-ecba6949d701" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetIncomeLoss_019ecc20-39d6-7f99-b9a6-857083f37e29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.citigroup.com/role/ScheduleHDetails" xlink:type="simple" xlink:href="c-20260629.xsd#ScheduleHDetails"/>
  <link:presentationLink xlink:role="http://www.citigroup.com/role/ScheduleHDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentAbstract_019ecc20-39d6-75cb-8937-cbfed8ffa79f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019ecc20-39d6-77bc-b9bf-9d1bab97c83b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentAbstract_019ecc20-39d6-75cb-8937-cbfed8ffa79f" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019ecc20-39d6-77bc-b9bf-9d1bab97c83b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019ecc20-39d6-7acc-850a-7f782597e16a" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019ecc20-39d6-77bc-b9bf-9d1bab97c83b" xlink:to="loc_dei_LegalEntityAxis_019ecc20-39d6-7acc-850a-7f782597e16a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019ecc20-39d6-7cb3-bff4-077437a96d63" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019ecc20-39d6-7acc-850a-7f782597e16a" xlink:to="loc_dei_EntityDomain_019ecc20-39d6-7cb3-bff4-077437a96d63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_EBP004Member_019ecc20-39d6-7215-a3c0-65ef9e5f23b7" xlink:href="c-20260629.xsd#c_EBP004Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019ecc20-39d6-7cb3-bff4-077437a96d63" xlink:to="loc_c_EBP004Member_019ecc20-39d6-7215-a3c0-65ef9e5f23b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIdentifierAxis_019ecc20-39d6-7a9f-b13a-2e6d7b09856f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentIdentifierAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019ecc20-39d6-77bc-b9bf-9d1bab97c83b" xlink:to="loc_us-gaap_InvestmentIdentifierAxis_019ecc20-39d6-7a9f-b13a-2e6d7b09856f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_019ecc20-39d6-7ea6-9fa3-6b71e4fe3210" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019ecc20-39d6-77bc-b9bf-9d1bab97c83b" xlink:to="loc_us-gaap_InvestmentTypeAxis_019ecc20-39d6-7ea6-9fa3-6b71e4fe3210" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-39d6-73cc-b9ff-261afdea0f51" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_019ecc20-39d6-7ea6-9fa3-6b71e4fe3210" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-39d6-73cc-b9ff-261afdea0f51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_CashEquivalentsAndShortTermInvestmentsMember_019ecc20-39d6-7aed-a801-1e4c68dfb8be" xlink:href="c-20260629.xsd#c_CashEquivalentsAndShortTermInvestmentsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-39d6-73cc-b9ff-261afdea0f51" xlink:to="loc_c_CashEquivalentsAndShortTermInvestmentsMember_019ecc20-39d6-7aed-a801-1e4c68dfb8be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_019ecc20-39d6-796f-8fde-a93fb2bf059a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-39d6-73cc-b9ff-261afdea0f51" xlink:to="loc_us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_019ecc20-39d6-796f-8fde-a93fb2bf059a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_USEquitiesMember_019ecc20-39d6-7023-a4d7-dc1471efe9fe" xlink:href="c-20260629.xsd#c_USEquitiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-39d6-73cc-b9ff-261afdea0f51" xlink:to="loc_c_USEquitiesMember_019ecc20-39d6-7023-a4d7-dc1471efe9fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_NonUSEquitiesMember_019ecc20-39d6-7952-9fd4-777f02fa9848" xlink:href="c-20260629.xsd#c_NonUSEquitiesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-39d6-73cc-b9ff-261afdea0f51" xlink:to="loc_c_NonUSEquitiesMember_019ecc20-39d6-7952-9fd4-777f02fa9848" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MutualFundMember_019ecc20-39d6-7075-b6b5-6693bb54d05b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MutualFundMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-39d6-73cc-b9ff-261afdea0f51" xlink:to="loc_us-gaap_MutualFundMember_019ecc20-39d6-7075-b6b5-6693bb54d05b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanTraditionalGuaranteedInvestmentContractMember_019ecc20-39d6-7cea-be68-6f62ec920e85" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanTraditionalGuaranteedInvestmentContractMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-39d6-73cc-b9ff-261afdea0f51" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanTraditionalGuaranteedInvestmentContractMember_019ecc20-39d6-7cea-be68-6f62ec920e85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockMember_019ecc20-39d6-7bf6-8192-5648bbca9602" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019ecc20-39d6-73cc-b9ff-261afdea0f51" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockMember_019ecc20-39d6-7bf6-8192-5648bbca9602" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIssuerNameAxis_019ecc20-39d6-7842-b5fb-7ce4b899511e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentIssuerNameAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019ecc20-39d6-77bc-b9bf-9d1bab97c83b" xlink:to="loc_us-gaap_InvestmentIssuerNameAxis_019ecc20-39d6-7842-b5fb-7ce4b899511e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIssuerNameDomain_019ecc20-39d6-7285-a907-83579e88f835" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentIssuerNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentIssuerNameAxis_019ecc20-39d6-7842-b5fb-7ce4b899511e" xlink:to="loc_us-gaap_InvestmentIssuerNameDomain_019ecc20-39d6-7285-a907-83579e88f835" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_AmericanGeneralLifeContract25020Member_019ecc20-39d6-7fb1-b672-572aa9b89c67" xlink:href="c-20260629.xsd#c_AmericanGeneralLifeContract25020Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentIssuerNameDomain_019ecc20-39d6-7285-a907-83579e88f835" xlink:to="loc_c_AmericanGeneralLifeContract25020Member_019ecc20-39d6-7fb1-b672-572aa9b89c67" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_AmericanGeneralLifeContractNo.725840Member_019ecc20-39d6-7d87-b0cd-60413e483986" xlink:href="c-20260629.xsd#c_AmericanGeneralLifeContractNo.725840Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentIssuerNameDomain_019ecc20-39d6-7285-a907-83579e88f835" xlink:to="loc_c_AmericanGeneralLifeContractNo.725840Member_019ecc20-39d6-7d87-b0cd-60413e483986" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_AmericanUnitedLifeInsuranceCompanyS00020Member_019ecc20-39d6-7b68-b442-10f24a7dd809" xlink:href="c-20260629.xsd#c_AmericanUnitedLifeInsuranceCompanyS00020Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentIssuerNameDomain_019ecc20-39d6-7285-a907-83579e88f835" xlink:to="loc_c_AmericanUnitedLifeInsuranceCompanyS00020Member_019ecc20-39d6-7b68-b442-10f24a7dd809" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_PrudentialGA62194Member_019ecc20-39d6-70b1-995d-75a57203f43b" xlink:href="c-20260629.xsd#c_PrudentialGA62194Member"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentIssuerNameDomain_019ecc20-39d6-7285-a907-83579e88f835" xlink:to="loc_c_PrudentialGA62194Member_019ecc20-39d6-70b1-995d-75a57203f43b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_ReinsuranceGroupOfAmericaContractNo.RGA00084Member_019ecc20-39d6-77d2-a347-3d64d0211101" xlink:href="c-20260629.xsd#c_ReinsuranceGroupOfAmericaContractNo.RGA00084Member"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentIssuerNameDomain_019ecc20-39d6-7285-a907-83579e88f835" xlink:to="loc_c_ReinsuranceGroupOfAmericaContractNo.RGA00084Member_019ecc20-39d6-77d2-a347-3d64d0211101" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_c_VoyaRetirementInsAnnuityCo60266Member_019ecc20-39d6-7b76-8a7e-c9251b486e5c" xlink:href="c-20260629.xsd#c_VoyaRetirementInsAnnuityCo60266Member"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentIssuerNameDomain_019ecc20-39d6-7285-a907-83579e88f835" xlink:to="loc_c_VoyaRetirementInsAnnuityCo60266Member_019ecc20-39d6-7b76-8a7e-c9251b486e5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_019eccbe-47d1-7eb3-9072-0797e5d1551e" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019ecc20-39d6-77bc-b9bf-9d1bab97c83b" xlink:to="loc_srt_RangeAxis_019eccbe-47d1-7eb3-9072-0797e5d1551e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019eccbe-47d1-7541-bd7c-1d638ca74cff" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_019eccbe-47d1-7eb3-9072-0797e5d1551e" xlink:to="loc_srt_RangeMember_019eccbe-47d1-7541-bd7c-1d638ca74cff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_019eccbe-47d1-718b-a0fc-92bed7f51360" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019eccbe-47d1-7541-bd7c-1d638ca74cff" xlink:to="loc_srt_MinimumMember_019eccbe-47d1-718b-a0fc-92bed7f51360" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_019eccbe-47d1-7524-bbcb-35c72b885951" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019eccbe-47d1-7541-bd7c-1d638ca74cff" xlink:to="loc_srt_MaximumMember_019eccbe-47d1-7524-bbcb-35c72b885951" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019ecc20-39d6-7e5c-b9bb-fcbeea531d42" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019ecc20-39d6-77bc-b9bf-9d1bab97c83b" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019ecc20-39d6-7e5c-b9bb-fcbeea531d42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_019ecc20-39d6-7074-aa15-dca233f0a65d" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019ecc20-39d6-7e5c-b9bb-fcbeea531d42" xlink:to="loc_dei_EntityTaxIdentificationNumber_019ecc20-39d6-7074-aa15-dca233f0a65d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanPlanNumber_019ecc20-39d6-7200-9f45-5f6a82a552f5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanPlanNumber"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019ecc20-39d6-7e5c-b9bb-fcbeea531d42" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanPlanNumber_019ecc20-39d6-7200-9f45-5f6a82a552f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentParOrMaturityValue_019ecc20-39d6-7c39-adc1-5f301c9ba608" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentParOrMaturityValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019ecc20-39d6-7e5c-b9bb-fcbeea531d42" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentParOrMaturityValue_019ecc20-39d6-7c39-adc1-5f301c9ba608" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentInvestmentExcludingPlanInterestInMasterTrustCurrentValue_019ecca5-69e3-7033-85c8-b335b423cd0d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentInvestmentExcludingPlanInterestInMasterTrustCurrentValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019ecc20-39d6-7e5c-b9bb-fcbeea531d42" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentInvestmentExcludingPlanInterestInMasterTrustCurrentValue_019ecca5-69e3-7033-85c8-b335b423cd0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentInterestRate_019ecc20-39d6-7aac-800e-a5278cda9553" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentInterestRate"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019ecc20-39d6-7e5c-b9bb-fcbeea531d42" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentInterestRate_019ecc20-39d6-7aac-800e-a5278cda9553" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate_019eccbe-47d1-7fd1-8949-419d3527bbb7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019ecc20-39d6-7e5c-b9bb-fcbeea531d42" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate_019eccbe-47d1-7fd1-8949-419d3527bbb7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution_019ecc20-39d6-70e5-abc7-50ae6a11107b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019ecc20-39d6-7e5c-b9bb-fcbeea531d42" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution_019ecc20-39d6-70e5-abc7-50ae6a11107b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpInvestmentLiabilityFairValue_019ecc20-39d6-73b6-9262-e6b0bf7d3f48" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpInvestmentLiabilityFairValue"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019ecc20-39d6-7e5c-b9bb-fcbeea531d42" xlink:to="loc_us-gaap-ebp_EbpInvestmentLiabilityFairValue_019ecc20-39d6-73b6-9262-e6b0bf7d3f48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment_019ecc20-39d6-72cc-96b0-9fc2e24157b9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019ecc20-39d6-7e5c-b9bb-fcbeea531d42" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment_019ecc20-39d6-72cc-96b0-9fc2e24157b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
</link:linkbase>
