CITIGROUP FINANCIAL SUMMARY

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

											3Q26 Increase/		Nine		Nine		YTD 2026 vs.
	3Q		4Q		1Q		2Q		3Q		(Decrease) from		Months		Months		YTD 2025 Increase
	2025		2025		2026		2026		2026		2Q26	3Q25	2025		2026		(Decrease)

Revenues, net of interest expense	$	22,090	$	19,871	$	24,633	$	24,766	$	23,845	(4%)	8%	$	65,354	$	73,244	12%
Operating expenses⁽¹⁾		14,290		13,840		14,311		14,215		13,952	(2%)	(2%)		41,292		42,478	3%
Net credit losses (NCLs) on loans		2,214		2,190		2,208		2,404		2,217	(8%)	-		6,907		6,829	(1%)
Credit reserve build (release) for loans		45		10		397		199		199	-	342%		390		795	104%
Provision / (release) for unfunded lending commitments		100		13		184		(97)		134	NM	34%		189		221	17%
Provisions for benefits and claims, other assets and HTM debt securities		91		7		16		16		36	125%	(60%)		559		68	(88%)
Provisions for credit losses and for benefits and claims		2,450		2,220		2,805		2,522		2,586	3%	6%		8,045		7,913	(2%)
Income (loss) from continuing operations before income taxes		5,350		3,811		7,517		8,029		7,307	(9%)	37%		16,017		22,853	43%
Income taxes (benefits)		1,559		1,288		1,578		2,005		1,887	(6%)	21%		4,085		5,470	34%
Income (loss) from continuing operations		3,791		2,523		5,939		6,024		5,420	(10%)	43%		11,932		17,383	46%
Income (loss) from discontinued operations, net of taxes		(1)		(1)		(1)		-		-	-	100%		(2)		(1)	50%
Net income (loss) before noncontrolling interests		3,790		2,522		5,938		6,024		5,420	(10%)	43%		11,930		17,382	46%
Net income (loss) attributable to noncontrolling interests (NCI)⁽²⁾		38		51		153		193		175	(9%)	361%		95		521	448%
Citigroup's net income (loss)	$	3,752	$	2,471	$	5,785	$	5,831	$	5,245	(10%)	40%	$	11,835	$	16,861	42%

Diluted earnings per share:
Income (loss) from continuing operations	$	1.86	$	1.19	$	3.06	$	3.15	$	2.85	(10%)	53%	$	5.78	$	9.07	57%
Net income (loss)	$	1.86	$	1.19	$	3.06	$	3.15	$	2.85	(10%)	53%	$	5.78	$	9.07	57%

Preferred dividends	$	274	$	284	$	305	$	338	$	353	4%	29%	$	830	$	996	20%

Income allocated to unrestricted common shareholders—basic
Income (loss) from continuing operations (for EPS purposes)		3,439		2,150		5,425		5,446		4,840	(11%)	41%		10,874		15,711	44%
Net income (loss) (for EPS purposes)		3,438		2,149		5,424		5,446		4,840	(11%)	41%		10,872		15,710	44%

Income allocated to unrestricted common shareholders—diluted
Income (loss) from continuing operations (for EPS purposes)		3,459		2,170		5,443		5,466		4,861	(11%)	41%		10,930		15,770	44%
Net income (loss) (for EPS purposes)		3,458		2,169		5,442		5,466		4,861	(11%)	41%		10,928		15,769	44%

Shares (in millions):
Average basic		1,820.3		1,772.8		1,736.9		1,700.9		1,671.4	(2%)	(8%)		1,851.7		1,703.1	(8%)
Average diluted		1,862.6		1,816.9		1,776.0		1,735.6		1,706.6	(2%)	(8%)		1,891.8		1,739.4	(8%)
Common shares outstanding, at period end		1,789.3		1,747.5		1,705.6		1,677.4		1,655.2	(1%)	(7%)

Regulatory capital ratios and performance metrics:
Common Equity Tier 1 (CET1) Capital ratio⁽³⁾⁽⁴⁾		13.27%		13.18%		12.75%		12.78%		12.8%
Tier 1 Capital ratio⁽³⁾⁽⁴⁾		14.97%		13.65%		14.57%		14.68%		14.6%
Total Capital ratio⁽³⁾⁽⁴⁾		15.31%		15.66%		15.45%		15.67%		15.7%
Supplementary Leverage ratio (SLR)⁽³⁾⁽⁵⁾		5.52%		5.48%		5.25%		5.15%		5.0%
Return on average assets		0.55%		0.36%		0.83%		0.80%		0.69%	(11) bps	14 bps		0.60%		0.77%	17 bps
Return on average common equity (RoCE)		7.1%		4.5%		11.5%		11.4%		10.1%	(130) bps	300 bps		7.6%		11.0%	340 bps
Average tangible common equity (TCE) (in billions of dollars)⁽⁶⁾	$	172.3	$	170.4	$	169.2	$	169.1	$	168.7	-	(2%)	$	170.8	$	169.0	(1%)
Return on tangible common equity (RoTCE)⁽⁶⁾		8.0%		5.1%		13.1%		13.0%		11.5%	(150) bps	350 bps		8.6%		12.6%	400 bps
Operating leverage⁽⁷⁾		59 bps		(381) bps		746 bps		960 bps		1,031 bps	71 bps	972 bps		473 bps		920 bps	447 bps
Efficiency ratio (total operating expenses/total revenues, net)		64.7%		69.6%		58.1%		57.4%		58.5%	110 bps	(620) bps		63.2%		58.0%	(520) bps

Balance sheet data (in billions of dollars, except per share amounts)⁽⁸⁾:
Total assets	$	2,642.5	$	2,657.2	$	2,777.7	$	2,894.7	$	2,941.3	2%	11%
Total average assets		2,688.8		2,722.5		2,816.8		2,936.0		3,002.2	2%	12%		2,617.9		2,918.3	11%
Total loans		733.9		752.2		761.6		793.7		819.7	3%	12%
Total deposits		1,383.9		1,403.6		1,446.2		1,492.6		1,505.3	1%	9%
Citigroup's stockholders' equity		213.0		212.3		211.0		212.0		209.4	(1%)	(2%)
Book value per share		108.41		110.01		112.22		114.74		115.61	1%	7%
Tangible book value per share⁽⁶⁾		95.72		97.06		99.01		100.89		101.59	1%	6%

Direct staff (in thousands)		227		226		224		219		217	(1%)	(4%)

(1)	3Q25 includes approximately $726 million ($714 million after-tax) related to a goodwill impairment charge in Mexico. For additional information, see Citi's Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2025.

(2)

Net income attributable to noncontrolling interests (NCI) represents the portion of net earnings of consolidated subsidiaries that is attributable to shareholders other than Citi. These amounts are deducted from Net income before attribution to noncontrolling interests to arrive at Citigroup’s net income. The increase in NCI in 2026 primarily relates to the Banamex equity sales completed in December 2025 and April 2026, resulting in a portion of Banamex’s earnings being attributable to noncontrolling shareholders.

(3)	Ratios as of September 30, 2026 are preliminary.

(4)	The ratios presented reflect Citi's binding regulatory capital constraints under the U.S. Basel III rules. See page 22 for regulatory capital metrics under both the Standardized and Advanced Approaches.

(5)	For the composition of Citi's SLR, see page 22.

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

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

(8)	September 30, 2026 is preliminary.

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

NM Not meaningful.

N/D Not disclosed.

Reclassified to conform to the current period's presentation.

Page 1

CITIGROUP CONSOLIDATED STATEMENT OF INCOME

(In millions of dollars)

																	3Q26 Increase/			Nine			Nine			YTD 2026 vs.
		3Q			4Q			1Q			2Q			3Q			(Decrease) from			Months			Months			YTD 2025 Increase
		2025			2025			2026			2026			2026			2Q26		3Q25	2025			2026			(Decrease)
Revenues
Interest income (including dividends)		$	36,690		$	36,649		$	35,513		$	37,662		$	38,765		3%		6%	$	106,215		$	111,940		5%
Interest expense			21,750			20,984			19,772			20,537			21,783		6%		-		62,088			62,092		-
Net interest income (NII)			14,940			15,665			15,741			17,125			16,982		(1%)		14%		44,127			49,848		13%

Commissions and fees			2,888			2,829			3,272			3,298			2,884		(13%)		-		8,340			9,454		13%
Principal transactions			2,772			1,450			4,008			2,481			2,275		(8%)		(18%)		8,785			8,764		-
Administration and other fiduciary fees			1,117			1,129			1,123			1,257			1,301		4%		16%		3,285			3,681		12%
Realized gains (losses) on sales of investments, net			105			107			270			169			64		(62%)		(39%)		364			503		38%
Net impairment losses on investments recognized in earnings			(25)			(234)			(140)			(68)			(32)		53%		(28%)		(118)			(240)		(103%)
Other revenue (loss)			293			(1,075)			359			504			371		(26%)		27%		571			1,234		116%
Total non-interest revenues (NIR)			7,150			4,206			8,892			7,641			6,863		(10%)		(4%)		21,227			23,396		10%
Total revenues, net of interest expense			22,090			19,871			24,633			24,766			23,845		(4%)		8%		65,354			73,244		12%


Provisions for credit losses and for benefits and claims
Net credit losses on loans			2,214			2,190			2,208			2,404			2,217		(8%)		-		6,907			6,829		(1%)
Credit reserve build / (release) for loans			45			10			397			199			199		-		342%		390			795		104%
Provision for credit losses on loans			2,259			2,200			2,605			2,603			2,416		(7%)		7%		7,297			7,624		4%
Provision (release) for credit losses on held-to-maturity (HTM) debt securities			(5)			15			(30)			1			6		500%		NM		(3)			(23)		NM
Provision (release) for credit losses on other assets			79			(32)			33			(2)			(53)		NM		NM		499			(22)		NM
Policyholder benefits and claims			17			24			13			17			83		388%		388%		63			113		79%
Provision (benefit) for credit losses on unfunded lending commitments			100			13			184			(97)			134		NM		34%		189			221		17%
Total provisions for credit losses and for benefits and claims			2,450			2,220			2,805			2,522			2,586		3%		6%		8,045			7,913		(2%)

Operating expenses
Compensation and benefits			7,474			7,068			8,382			7,992			7,533		(6%)		1%		22,571			23,907		6%
Technology / communication			2,325			2,429			2,335			2,269			2,346		3%		1%		6,994			6,950		(1%)
Transactional and product servicing			1,110			1,179			1,225			1,341			1,328		(1%)		20%		3,396			3,894		15%
Premises and equipment			607			681			586			618			632		2%		4%		1,796			1,836		2%
Professional services			514			573			441			438			434		(1%)		(16%)		1,500			1,313		(12%)
Advertising and marketing			260			318			233			283			234		(17%)		(10%)		779			750		(4%)
Restructuring			(5)			(4)			-			-			-		-		100%		(10)			-		100%
Other operating			2,005			1,596			1,109			1,274			1,445		13%		(28%)		4,266			3,828		(10%)
Total operating expenses			14,290			13,840			14,311			14,215			13,952		(2%)		(2%)		41,292			42,478		3%


Income (loss) from continuing operations before income taxes			5,350			3,811			7,517			8,029			7,307		(9%)		37%		16,017			22,853		43%
Provision (benefit) for income taxes			1,559			1,288			1,578			2,005			1,887		(6%)		21%		4,085			5,470		34%

Income (loss) from continuing operations			3,791			2,523			5,939			6,024			5,420		(10%)		43%		11,932			17,383		46%
Discontinued operations
Income (loss) from discontinued operations			(1)			(1)			(1)			-			-		-		100%		(2)			(1)		50%
Provision (benefit) for income taxes			-			-			-			-			-		-		-		-			-		-
Income (loss) from discontinued operations, net of taxes			(1)			(1)			(1)			-			-		-		100%		(2)			(1)		50%

Net income (loss) before attribution to noncontrolling interests			3,790			2,522			5,938			6,024			5,420		(10%)		43%		11,930			17,382		46%
Noncontrolling interests (NCI)			38			51			153			193			175		(9%)		361%		95			521		448%
Citigroup's net income (loss)		$	3,752		$	2,471		$	5,785		$	5,831		$	5,245		(10%)		40%	$	11,835		$	16,861		42%

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 2

CITIGROUP CONSOLIDATED BALANCE SHEET

(In millions of dollars)

																	3Q26 Increase/
		September 30,			December 31,			March 31,			June 30,			September 30,			(Decrease) from
		2025			2025			2026			2026			2026⁽¹⁾			2Q26		3Q25
Assets
Cash and due from banks (including segregated cash and other deposits)		$	23,545		$	23,717		$	23,625		$	24,663		$	23,451		(5%)		-
Deposits with banks, net of allowance			324,515			325,862			362,097			341,750			331,390		(3%)		2%
Securities borrowed and purchased under agreements to resell, net of allowance			321,347			356,195			353,094			404,655			411,327		2%		28%
Brokerage receivables, net of allowance			75,992			62,679			91,720			83,322			102,766		23%		35%
Trading account assets			562,254			537,139			593,473			634,356			635,077		-		13%
Investments
Available-for-sale debt securities			246,227			246,720			257,822			286,765			306,850		7%		25%
Held-to-maturity debt securities, net of allowance			197,092			189,831			178,503			167,893			157,501		(6%)		(20%)
Equity securities			7,413			7,678			7,839			8,263			8,415		2%		14%
Total investments			450,732			444,229			444,164			462,921			472,766		2%		5%
Loans
Consumer⁽²⁾			398,628			408,533			402,391			416,520			418,417		-		5%
Corporate⁽³⁾			335,277			343,697			359,225			377,138			401,288		6%		20%
Loans, net of unearned income			733,905			752,230			761,616			793,658			819,705		3%		12%
Allowance for credit losses on loans (ACLL)			(19,206)			(19,247)			(19,636)			(19,961)			(20,091)		(1%)		(5%)
Total loans, net			714,699			732,983			741,980			773,697			799,614		3%		12%
Goodwill			19,126			19,098			18,997			19,012			19,072		-		-
Intangible assets (including MSRs)			4,330			4,284			4,305			5,004			5,033		1%		16%
Premises and equipment, net of depreciation and amortization			32,819			33,339			33,574			33,897			34,075		1%		4%
Other assets, net of allowance			113,116			117,677			110,658			111,377			106,700		(4%)		(6%)
Total assets		$	2,642,475		$	2,657,202		$	2,777,687		$	2,894,654		$	2,941,271		2%		11%

Liabilities
Non-interest-bearing deposits in U.S. offices		$	116,921		$	121,610		$	122,083		$	122,307		$	120,816		(1%)		3%
Interest-bearing deposits in U.S. offices			592,728			613,052			634,812			665,841			684,500		3%		15%
Total U.S. deposits			709,649			734,662			756,895			788,148			805,316		2%		13%
Non-interest-bearing deposits in offices outside the U.S.			83,920			87,041			86,004			83,823			85,671		2%		2%
Interest-bearing deposits in offices outside the U.S.			590,360			581,870			603,341			620,636			614,335		(1%)		4%
Total international deposits			674,280			668,911			689,345			704,459			700,006		(1%)		4%

Total deposits			1,383,929			1,403,573			1,446,240			1,492,607			1,505,322		1%		9%
Securities loaned and sold under agreements to repurchase			349,726			348,098			369,585			411,126			410,174		-		17%
Brokerage payables			89,596			74,836			111,224			116,076			120,445		4%		34%
Trading account liabilities			160,243			162,798			185,266			187,193			212,635		14%		33%
Short-term borrowings			54,760			51,878			72,056			68,978			61,518		(11%)		12%
Long-term debt			315,846			315,827			307,566			333,749			345,785		4%		9%
Other liabilities, plus allowances⁽⁴⁾			74,498			86,370			73,178			70,475			73,609		4%		(1%)
Total liabilities		$	2,428,598		$	2,443,380		$	2,565,115		$	2,680,204		$	2,729,488		2%		12%

Stockholders' equity
Preferred stock		$	19,050		$	20,050		$	19,550		$	19,550		$	18,050		(8%)		(5%)
Common stock			31			31			31			31			31		-		-
Additional paid-in capital⁽⁵⁾			109,010			108,452			107,821			107,343			107,451		-		(1%)
Retained earnings			214,034			215,128			219,542			223,989			227,733		2%		6%
Treasury stock, at cost			(84,932)			(89,473)			(95,370)			(99,398)			(102,418)		(3%)		(21%)
Accumulated other comprehensive income (loss) (AOCI)⁽⁵⁾			(44,170)			(41,897)			(40,615)			(39,500)			(41,438)		(5%)		6%
Total common equity		$	193,973		$	192,241		$	191,409		$	192,465		$	191,359		(1%)		(1%)

Total Citigroup stockholders' equity		$	213,023		$	212,291		$	210,959		$	212,015		$	209,409		(1%)		(2%)
Noncontrolling interests—equity (NCI—equity)⁽⁵⁾			854			1,531			1,613			2,435			2,374		(3%)		178%
Total equity			213,877			213,822			212,572			214,450			211,783		(1%)		(1%)
Total liabilities and equity		$	2,642,475		$	2,657,202		$	2,777,687		$	2,894,654		$	2,941,271		2%		11%

(1)	September 30, 2026 is preliminary.

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

(3)	Corporate loans include loans managed by Services, Markets, Banking, and All Other—Legacy Franchises—Mexico SBMM.

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

(5)	Beginning in December 31, 2025 balances include the impacts on total equity from the sales of the 25.0% (4Q25 and forward), 22.6% (2Q26 and forward), and 1.4% (3Q26) equity stakes, respectively, in Grupo Financiero Banamex, S.A. de C.V.

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 3

SEGMENT NET REVENUES AND INCOME (LOSS)

(In millions of dollars)

																	3Q26 Increase/			Nine			Nine			YTD 2026 vs.
		3Q			4Q			1Q			2Q			3Q			(Decrease) from			Months			Months			YTD 2025 Increase
		2025			2025			2026			2026			2026			2Q26		3Q25	2025			2026			(Decrease)
Revenues, net of interest expense
Services		$	5,730		$	6,272		$	6,103		$	6,382		$	6,614		4%		15%	$	16,364		$	19,099		17%
Markets			5,745			4,609			7,246			7,007			6,113		(13%)		6%		17,800			20,366		14%
Banking			1,647			1,773			1,767			1,922			1,741		(9%)		6%		4,611			5,430		18%
Wealth			2,839			2,862			3,065			3,177			3,269		3%		15%		8,410			9,511		13%
U.S. Consumer Cards (USCC)			4,656			4,564			4,757			4,521			4,664		3%		-		13,694			13,942		2%
All Other—managed basis⁽¹⁾⁽²⁾			1,471			(208)			1,682			1,737			1,432		(18%)		(3%)		4,650			4,851		4%
Reconciling Items—divestiture-related impacts⁽³⁾			2			(1)			13			20			12		(40%)		500%		(175)			45		NM
Total net revenues—reported		$	22,090		$	19,871		$	24,633		$	24,766		$	23,845		(4%)		8%	$	65,354		$	73,244		12%

Income (loss) from continuing operations
Services		$	2,098		$	2,512		$	2,242		$	2,597		$	2,648		2%		26%	$	5,675		$	7,487		32%
Markets			1,723			856			2,629			2,404			1,761		(27%)		2%		5,409			6,794		26%
Banking			267			355			304			351			378		8%		42%		580			1,033		78%
Wealth			303			299			432			583			585		-		93%		879			1,600		82%
USCC			929			884			732			852			851		-		(8%)		2,525			2,435		(4%)
All Other—managed basis⁽¹⁾⁽²⁾			(752)			(2,273)			(388)			(761)			(809)		(6%)		(8%)		(2,164)			(1,958)		10%
Reconciling Items—divestiture-related impacts⁽³⁾			(777)			(110)			(12)			(2)			6		NM		NM		(972)			(8)		99%

Income (loss) from continuing operations—reported			3,791			2,523			5,939			6,024			5,420		(10%)		43%		11,932			17,383		46%

Discontinued operations			(1)			(1)			(1)			-			-		-		100%		(2)			(1)		50%

Less: NCI			38			51			153			193			175		(9%)		361%		95			521		448%

Net income (loss)		$	3,752		$	2,471		$	5,785		$	5,831		$	5,245		(10%)		40%	$	11,835		$	16,861		42%

(1)

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

(2)

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

(3)

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

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 4

SERVICES

(In millions of dollars, except as otherwise noted)

											3Q26 Increase/		Nine		Nine		YTD 2026 vs.
	3Q		4Q		1Q		2Q		3Q		(Decrease) from		Months		Months		YTD 2025 Increase
	2025		2025		2026		2026		2026		2Q26	3Q25	2025		2026		(Decrease)


Net interest income (including dividends)	$	3,823	$	4,050	$	4,143	$	4,291	$	4,472	4%	17%	$	10,951	$	12,906	18%
Fee revenue
Commissions and fees		880		879		909		924		915	(1%)	4%		2,599		2,748	6%
Administration and other fiduciary fees		746		751		763		889		926	4%	24%		2,156		2,578	20%
Total fee revenue		1,626		1,630		1,672		1,813		1,841	2%	13%		4,755		5,326	12%
Principal transactions		190		257		263		264		287	9%	51%		547		814	49%
All other		91		335		25		14		14	-	(85%)		111		53	(52)%
Total non-interest revenue		1,907		2,222		1,960		2,091		2,142	2%	12%		5,413		6,193	14%

Total revenues, net of interest expense		5,730		6,272		6,103		6,382		6,614	4%	15%		16,364		19,099	17%
Total operating expenses		2,707		2,843		2,935		2,803		2,976	6%	10%		7,970		8,714	9%
Net credit losses on loans		11		19		3		5		3	(40%)	(73%)		37		11	(70%)
Credit reserve build (release) for loans		(4)		(18)		97		46		(23)	NM	(475%)		73		120	64%
Provision (release) for credit losses on unfunded lending commitments		(8)		3		(11)		-		11	NM	NM		(20)		-	100%
Provision (release) for credit losses for other assets		62		(15)		5		7		(17)	NM	NM		375		(5)	NM
Provision (benefit) for credit losses		61		(11)		94		58		(26)	NM	NM		465		126	(73%)
Income from continuing operations before taxes		2,962		3,440		3,074		3,521		3,664	4%	24%		7,929		10,259	29%
Income taxes		864		928		832		924		1,016	10%	18%		2,254		2,772	23%
Income from continuing operations		2,098		2,512		2,242		2,597		2,648	2%	26%		5,675		7,487	32%
NCI		17		16		14		13		11	(15%)	(35%)		48		38	(21%)
Net income	$	2,081	$	2,496	$	2,228	$	2,584	$	2,637	2%	27%	$	5,627	$	7,449	32%
EOP assets (in billions)	$	627	$	628	$	649	$	645	$	672	4%	7%
Average assets (in billions)		616		630		637		659		689	5%	12%	$	596	$	662	11%
Efficiency ratio		47%		45%		48%		44%		45%	100 bps	(200) bps		49%		46%	(300) bps
Average allocated TCE (in billions)⁽¹⁾	$	33.0	$	33.0	$	33.5	$	33.5	$	33.5	-	2%	$	33.0	$	33.5	2%
RoTCE⁽¹⁾		25.0%		30.0%		27.0%		30.9%		31.2%	30 bps	620 bps		22.8%		29.7%	690 bps

Revenue by line of business
Net interest income	$	3,121	$	3,303	$	3,424	$	3,541	$	3,671	4%	18%	$	8,935	$	10,636	19%
Non-interest revenue		1,099		1,182		1,192		1,198		1,231	3%	12%		3,226		3,621	12%
Treasury and Trade Solutions (TTS)		4,220		4,485		4,616		4,739		4,902	3%	16%		12,161		14,257	17%
Net interest income		702		747		719		750		801	7%	14%		2,016		2,270	13%
Non-interest revenue		808		1,040		768		893		911	2%	13%		2,187		2,572	18%
Securities Services		1,510		1,787		1,487		1,643		1,712	4%	13%		4,203		4,842	15%
Total Services	$	5,730	$	6,272	$	6,103	$	6,382	$	6,614	4%	15%	$	16,364	$	19,099	17%

Revenue by managed geography
North America	$	1,759	$	1,939	$	1,976	$	2,126	$	2,191	3%	25%	$	4,968	$	6,293	27%
International		3,971		4,333		4,127		4,256		4,423	4%	11%		11,396		12,806	12%
Total	$	5,730	$	6,272	$	6,103	$	6,382	$	6,614	4%	15%	$	16,364	$	19,099	17%

Key drivers⁽²⁾ (in billions of dollars, except as otherwise noted)
Average loans by line of business
TTS	$	93	$	95	$	97	$	101	$	106	5%	14%	$	91	$	101	11%
Securities Services		1		1		2		2		1	(50%)	-		1		2	100%
Total	$	94	$	96	$	99	$	103	$	107	4%	14%	$	92	$	103	12%

ACLL as a % of EOP loans⁽³⁾		0.35%		0.33%		0.42%		0.44%		0.43%	(1) bps	8 bps
NCLs as a % of average loans		0.05%		0.08%		0.01%		0.02%		0.01%	(1) bps	(4) bps		0.05%		0.01%	(4) bps

Average deposits by line of business
TTS	$	744	$	780	$	812	$	852	$	867	2%	17%	$	716	$	844	18%
Securities Services		149		155		149		165		170	3%	14%		143		161	13%
Total	$	893	$	935	$	961	$	1,017	$	1,037	2%	16%	$	859	$	1,005	17%

AUC/AUA (in trillions of dollars)⁽⁴⁾	$	29.7	$	31.4	$	31.6	$	34.5	$	34.5	-	16%
Cross-border transaction value⁽⁵⁾	$	104.8	$	115.2	$	106.3	$	114.6	$	115.5	1%	10%	$	301.2	$	336.4	12%
U.S. dollar clearing volume (in millions)⁽⁶⁾		44.8		45.3		43.9		46.3		47.1	2%	5%		131.8		137.3	4%
Commercial card spend volume	$	18.4	$	17.7	$	18.6	$	20.1	$	20.2	-	10%	$	53.5	$	58.9	10%

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

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

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

(4)	September 30, 2026 is preliminary.

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

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

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 5

MARKETS

(In millions of dollars, except as otherwise noted)

																	3Q26 Increase/			Nine			Nine			YTD 2026 vs.
		3Q			4Q			1Q			2Q			3Q			(Decrease) from			Months			Months			YTD 2025 Increase
		2025			2025			2026			2026			2026			2Q26		3Q25	2025			2026			(Decrease)

Net interest income (including dividends)		$	2,178		$	2,761		$	2,797		$	4,002		$	3,273		(18%)		50%	$	6,926		$	10,072		45%
Fee revenue
Brokerage and fees			400			364			478			469			447		(5%)		12%		1,199			1,394		16%
Investment banking fees⁽¹⁾			163			120			120			143			141		(1%)		(13%)		404			404		-
Other⁽²⁾			63			57			55			54			56		4%		(11%)		166			165		(1%)
Total fee revenue			626			541			653			666			644		(3%)		3%		1,769			1,963		11%

Principal transactions			2,737			1,155			3,542			2,088			1,992		(5%)		(27%)		8,324			7,622		(8%)
All other			204			152			254			251			204		(19%)		-		781			709		(9%)
Total non-interest revenue			3,567			1,848			4,449			3,005			2,840		(5%)		(20%)		10,874			10,294		(5%)
Total revenues, net of interest expense			5,745			4,609			7,246			7,007			6,113		(13%)		6%		17,800			20,366		14%
Total operating expenses			3,490			3,608			3,835			3,784			3,750		(1%)		7%		10,464			11,369		9%
Net credit losses (recoveries) on loans			68			(12)			(3)			(10)			(2)		80%		NM		218			(15)		NM
Credit reserve build (release) for loans			(44)			(73)			23			71			62		(13%)		NM		57			156		174%
Provision (release) for credit losses on unfunded lending commitments			13			(7)			(23)			56			30		(46%)		131%		14			63		350%
Provisions (releases) for credit losses for other assets and HTM debt securities			(5)			(12)			(12)			(8)			(13)		(63%)		(160%)		52			(33)		NM
Provision (benefit) for credit losses			32			(104)			(15)			109			77		(29%)		141%		341			171		(50%)
Income (loss) from continuing operations before taxes			2,223			1,105			3,426			3,114			2,286		(27%)		3%		6,995			8,826		26%
Income taxes (benefits)			500			249			797			710			525		(26%)		5%		1,586			2,032		28%
Income (loss) from continuing operations			1,723			856			2,629			2,404			1,761		(27%)		2%		5,409			6,794		26%
NCI			21			18			34			17			18		6%		(14%)		55			69		25%
Net income (loss)		$	1,702		$	838		$	2,595		$	2,387		$	1,743		(27%)		2%	$	5,354		$	6,725		26%
EOP assets (in billions)		$	1,179		$	1,185		$	1,280		$	1,363		$	1,401		3%		19%
Average assets (in billions)			1,229			1,247			1,325			1,406			1,438		2%		17%	$	1,189		$	1,390		17%
Efficiency ratio			61%			78%			53%			54%			61%		700 bps		0 bps		59%			56%		(300) bps
Average allocated TCE (in billions)⁽³⁾		$	53.5		$	53.5		$	56.4		$	56.4		$	56.4		-		5%	$	53.5		$	56.4		5%
RoTCE⁽³⁾			12.6%			6.2%			18.7%			17.0%			12.3%		(470) bps		(30) bps		13.4%			15.9%		250 bps

Revenue by line of business
Fixed Income Markets		$	4,225		$	3,554		$	5,166		$	4,706		$	4,386		(7%)		4%	$	13,191		$	14,258		8%
Equity Markets			1,520			1,055			2,080			2,301			1,727		(25%)		14%		4,609			6,108		33%
Total		$	5,745		$	4,609		$	7,246		$	7,007		$	6,113		(13%)		6%	$	17,800		$	20,366		14%

Rates and Currencies		$	2,963		$	2,449		$	3,311		$	3,247		$	2,965		(9%)		-	$	9,300		$	9,523		2%
Spread Products / Other Fixed Income			1,262			1,105			1,855			1,459			1,421		(3%)		13%		3,891			4,735		22%
Total Fixed Income Markets revenues		$	4,225		$	3,554		$	5,166		$	4,706		$	4,386		(7%)		4%	$	13,191		$	14,258		8%

Revenue by managed geography
North America		$	2,270		$	1,826		$	2,559		$	2,561		$	2,302		(10%)		1%	$	6,563		$	7,422		13%
International			3,475			2,783			4,687			4,446			3,811		(14%)		10%		11,237			12,944		15%
Total		$	5,745		$	4,609		$	7,246		$	7,007		$	6,113		(13%)		6%	$	17,800		$	20,366		14%

Key drivers⁽⁴⁾ (in billions of dollars)
Average loans		$	147		$	152		$	162		$	176		$	191		9%		30%	$	137		$	176		28%
NCLs (annualized) as a % of average loans			0.18%			(0.03%)			(0.01%)			(0.02%)			0.00%		2 bps		(18) bps		0.21%			(0.01%)		(22) bps
ACLL as a % of EOP loans⁽⁵⁾			0.78%			0.67%			0.67%			0.64%			0.60%		(4) bps		(18) bps
Average trading account assets		$	555		$	556		$	573		$	603		$	614		2%		11%	$	525		$	597		14%

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

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

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

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

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

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 6

BANKING

(In millions of dollars, except as otherwise noted)

											3Q26 Increase/		Nine		Nine		YTD 2026 vs.
	3Q		4Q		1Q		2Q		3Q		(Decrease) from		Months		Months		YTD 2025 Increase
	2025		2025		2026		2026		2026		2Q26	3Q25	2025		2026		(Decrease)

Net interest income (including dividends)	$	562	$	549	$	587	$	560	$	516	(8%)	(8%)	$	1,583	$	1,663	5%
Fee revenue
Investment banking fees⁽¹⁾		1,169		1,287		1,232		1,492		1,219	(18%)	4%		3,331		3,943	18%
Other⁽²⁾		65		60		64		57		57	-	(12%)		173		178	3%
Total fee revenue		1,234		1,347		1,296		1,549		1,276	(18%)	3%		3,504		4,121	18%
Principal transactions		(164)		(119)		(38)		(147)		(94)	36%	43%		(433)		(279)	36%
All other		15		(4)		(78)		(40)		43	NM	187%		(43)		(75)	(74%)
Total non-interest revenue		1,085		1,224		1,180		1,362		1,225	(10%)	13%		3,028		3,767	24%

Total revenues, net of interest expense		1,647		1,773		1,767		1,922		1,741	(9%)	6%		4,611		5,430	18%
Total operating expenses		1,139		1,152		1,240		1,212		1,225	1%	8%		3,310		3,677	11%

Net credit losses on loans		9		25		6		138		43	(69%)	378%		59		187	217%
Credit reserve build (release) for loans		38		136		175		(19)		(100)	(426%)	NM		253		56	(78%)
Provision (release) for credit losses on unfunded lending commitments		98		14		(51)		119		95	(20%)	(3%)		207		163	(21%)
Provision (release) for credit losses for other assets		12		1		2		4		(15)	NM	NM		25		(9)	NM
Provision for credit losses		157		176		132		242		23	(90%)	(85%)		544		397	(27%)
Income (loss) from continuing operations before taxes		351		445		395		468		493	5%	40%		757		1,356	79%
Income taxes (benefits)		84		90		91		117		115	(2%)	37%		177		323	82%
Income (loss) from continuing operations		267		355		304		351		378	8%	42%		580		1,033	78%
NCI		(3)		1		-		1		-	(100%)	100%		(6)		1	NM
Net income (loss)	$	270	$	354	$	304	$	350	$	378	8%	40%	$	586	$	1,032	76%
EOP assets (in billions)	$	141	$	140	$	154	$	145	$	158	9%	12%
Average assets (in billions)		149		146		154		160		159	(1%)	7%	$	148	$	158	7%
Efficiency ratio		69%		65%		70%		63%		70%	700 bps	100 bps		72%		68%	(400) bps
Average allocated TCE (in billions)⁽³⁾	$	9.2	$	9.2	$	7.8	$	7.8	$	7.8	-	(15%)	$	9.2	$	7.8	(15%)
RoTCE⁽³⁾		11.6%		15.3%		15.8%		18.0%		19.2%	120 bps	760 bps		8.5%		17.7%	920 bps

Revenue by line of business
Investment Banking	$	1,238	$	1,356	$	1,326	$	1,548	$	1,350	(13%)	9%	$	3,425	$	4,224	23%
Corporate Lending (excluding gain (loss) on loan hedges)⁽⁴⁾		453		443		391		406		382	(6%)	(16%)		1,278		1,179	(8%)
Total Banking revenues (ex-gain (loss) on loan hedges)⁽⁴⁾		1,691		1,799		1,717		1,954		1,732	(11%)	2%		4,703		5,403	15%
Gain (loss) on loan hedges⁽⁴⁾		(44)		(26)		50		(32)		9	NM	NM		(92)		27	NM
Total Banking revenues including gain (loss) on loan hedges⁽⁴⁾	$	1,647	$	1,773	$	1,767	$	1,922	$	1,741	(9%)	6%	$	4,611	$	5,430	18%

Business metrics—investment banking revenues⁽⁵⁾
Advisory	$	425	$	649	$	505	$	390	$	406	4%	(4%)	$	1,258	$	1,301	3%
Equity underwriting (Equity Capital Markets (ECM))		194		219		257		426		343	(19%)	77%		551		1,026	86%
Debt underwriting (Debt Capital Markets (DCM))		619		488		564		732		601	(18%)	(3%)		1,616		1,897	17%
Total	$	1,238	$	1,356	$	1,326	$	1,548	$	1,350	(13%)	9%	$	3,425	$	4,224	23%

Revenue by managed geography
North America	$	862	$	1,023	$	1,109	$	1,087	$	947	(13%)	10%	$	2,384	$	3,143	32%
International		785		750		658		835		794	(5%)	1%		2,227		2,287	3%
Total	$	1,647	$	1,773	$	1,767	$	1,922	$	1,741	(9%)	6%	$	4,611	$	5,430	18%

Key drivers⁽⁶⁾ (in billions of dollars)
Average loans	$	81	$	79	$	83	$	88	$	85	(3%)	5%	$	82	$	85	4%
NCLs (annualized) as a % of average loans		0.04%		0.13%		0.03%		0.63%		0.20%	(43) bps	16 bps		0.10%		0.29%	19 bps
ACLL as a % of EOP loans⁽⁷⁾		1.83%		2.04%		2.06%		2.16%		1.89%	(27) bps	6 bps

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

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

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

(4)

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

(5)

Beginning in 2Q26, the investment banking fees metric for Banking was replaced with investment banking revenues. This metric includes investment banking fees, other fee revenue, principal transactions, and net interest income from loans generated from investment banking business activities. Prior-period amounts have been conformed to reflect this change in presentation. Citi believes investment banking revenues provides investors with a more comprehensive measure of investment banking performance.

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

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

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 7

WEALTH

(In millions of dollars, except as otherwise noted)

											3Q26 Increase/		Nine		Nine		YTD 2026 vs.
	3Q		4Q		1Q		2Q		3Q		(Decrease) from		Months		Months		YTD 2025 Increase
	2025		2025		2026		2026		2026		2Q26	3Q25	2025		2026		(Decrease)

Net interest income	$	1,902	$	2,018	$	2,095	$	2,155	$	2,281	6%	20%	$	5,564	$	6,531	17%
Fee revenue
Commissions and fees		494		465		543		587		552	(6%)	12%		1,432		1,682	17%
Other⁽¹⁾		232		238		207		206		213	3%	(8%)		725		626	(14%)
Total fee revenue		726		703		750		793		765	(4%)	5%		2,157		2,308	7%
All other⁽²⁾		211		141		220		229		223	(3%)	6%		689		672	(2%)
Total non-interest revenue		937		844		970		1,022		988	(3%)	5%		2,846		2,980	5%

Total revenues, net of interest expense		2,839		2,862		3,065		3,177		3,269	3%	15%		8,410		9,511	13%

Total operating expenses		2,375		2,377		2,415		2,377		2,438	3%	3%		7,078		7,230	2%
Net credit losses on loans		91		80		88		57		70	23%	(23%)		231		215	(7%)
Credit reserve build (release) for loans		(16)		6		13		-		34	NM	NM		(17)		47	NM
Provision (release) for credit losses on unfunded lending commitments		(1)		1		-		2		(2)	NM	(100%)		(3)		-	100%
Provisions (releases) for benefits and claims (PBC), and other assets		(1)		-		-		-		-	-	100%		(5)		-	100%
Provisions for credit losses		73		87		101		59		102	73%	40%		206		262	27%
Income from continuing operations before taxes		391		398		549		741		729	(2%)	86%		1,126		2,019	79%
Income taxes		88		99		117		158		144	(9%)	64%		247		419	70%
Income from continuing operations		303		299		432		583		585	-	93%		879		1,600	82%
NCI		-		-		-		-		-	-	-		-		-	-
Net income	$	303	$	299	$	432	$	583	$	585	-	93%	$	879	$	1,600	82%
EOP assets (in billions)	$	313	$	316	$	320	$	321	$	329	2%	5%
Average assets (in billions)		315		325		321		324		330	2%	5%	$	307	$	325	6%
Efficiency ratio		84%		83%		79%		75%		75%	0 bps	(900) bps		84%		76%	(800) bps
Average allocated TCE (in billions)⁽³⁾	$	15.4	$	15.4	$	16.2	$	16.2	$	16.2	-	5%	$	15.4	$	16.2	5%
RoTCE⁽³⁾		7.8%		7.7%		10.8%		14.4%		14.3%	(10) bps	650 bps		7.6%		13.2%	560 bps

Revenue by line of business
Citigold and Retail Banking	$	1,969	$	2,010	$	2,062	$	2,181	$	2,275	4%	16%	$	5,656	$	6,518	15%
Private Bank		656		625		757		769		766	-	17%		2,051		2,292	12%
Wealth at Work		214		227		246		227		228	-	7%		703		701	-
Total	$	2,839	$	2,862	$	3,065	$	3,177	$	3,269	3%	15%	$	8,410	$	9,511	13%

Revenue by managed geography
North America	$	1,741	$	1,825	$	1,893	$	1,977	$	2,124	7%	22%	$	5,204	$	5,994	15%
International		1,098		1,037		1,172		1,200		1,145	(5%)	4%		3,206		3,517	10%
Total	$	2,839	$	2,862	$	3,065	$	3,177	$	3,269	3%	15%	$	8,410	$	9,511	13%

Key drivers⁽⁴⁾ (in billions of dollars)

EOP client balances
Client investment assets^(5)(6)(7)	$	660	$	670	$	676	$	727	$	759	4%	15%
Deposits		408		413		418		415		419	1%	3%
Loans		202		204		205		208		210	1%	4%
Total	$	1,270	$	1,287	$	1,299	$	1,350	$	1,388	3%	9%

Net new investment assets (NNIA)⁽⁷⁾⁽⁸⁾	$	18.6	$	7.2	$	14.7	$	15.7	$	38.1	143%	105%	$	37.1	$	68.5	85%
Average deposits		405		407		414		415		416	-	3%		401		415	3%
Average loans		201		203		205		206		209	1%	4%		197		207	5%
ACLL as a % of EOP loans⁽⁹⁾		0.33%		0.33%		0.33%		0.33%		0.34%	1 bps	1 bps
NCLs (annualized) as a % of average loans		0.18%		0.16%		0.17%		0.11%		0.13%	2 bps	(5) bps		0.16%		0.14%	(2) bps
U.S. Retail Banking branches (actual)		653		655		655		655		655	-	-

(1)	Primarily related to fiduciary and administrative fees.

(2)	Primarily related to principal transactions revenue including FX translation.

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

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

(5)	Includes assets under management, and trust and custody assets.

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

(7)	September 30, 2026 is preliminary.

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

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

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 8

U.S. CONSUMER CARDS (USCC)⁽¹⁾

(In millions of dollars, except as otherwise noted)

											3Q26 Increase/		Nine		Nine		YTD 2026 vs.
	3Q		4Q		1Q		2Q		3Q		(Decrease) from		Months		Months		YTD 2025 Increase
	2025		2025		2026		2026		2026		2Q26	3Q25	2025		2026		(Decrease)

Net interest income	$	5,124	$	5,143	$	5,116	$	5,180	$	5,422	5%	6%	$	15,026	$	15,718	5%
Fee revenue
Interchange fees		2,448		2,526		2,404		2,740		2,738	-	12%		7,192		7,882	10%
Card rewards and partner payments		(3,031)		(3,215)		(2,897)		(3,563)		(3,692)	(4%)	(22%)		(8,860)		(10,152)	(15%)
Other⁽²⁾		114		114		112		160		173	8%	52%		313		445	42%
Total fee revenue		(469)		(575)		(381)		(663)		(781)	(18%)	(67%)		(1,355)		(1,825)	(35%)
All other⁽³⁾		1		(4)		22		4		23	475%	NM		23		49	113%
Total non-interest revenue		(468)		(579)		(359)		(659)		(758)	(15%)	(62%)		(1,332)		(1,776)	(33%)

Total revenues, net of interest expense		4,656		4,564		4,757		4,521		4,664	3%	-		13,694		13,942	2%

Total operating expenses		1,644		1,794		1,711		1,794		1,682	(6%)	2%		4,961		5,187	5%

Net credit losses on loans		1,741		1,739		1,742		1,850		1,670	(10%)	(4%)		5,551		5,262	(5%)
Credit reserve build (release) for loans		55		(117)		76		40		207	418%	276%		(124)		323	NM
Provision (release) for credit losses on unfunded lending commit.⁽⁴⁾		-		-		272		(272)		-	100%	-		-		-	-
Provisions for benefits and claims (PBC), and other assets		3		2		2		-		1	NM	(67%)		7		3	(57%)
Provisions for credit losses and for PBC		1,799		1,624		2,092		1,618		1,878	16%	4%		5,434		5,588	3%
Income from continuing operations before taxes		1,213		1,146		954		1,109		1,104	-	(9%)		3,299		3,167	(4%)
Income taxes		284		262		222		257		253	(2%)	(11%)		774		732	(5%)
Income from continuing operations		929		884		732		852		851	-	(8%)		2,525		2,435	(4%)
NCI		-		-		-		-		-	-	-		-		-	-
Net income	$	929	$	884	$	732	$	852	$	851	-	(8%)	$	2,525	$	2,435	(4%)
EOP assets (in billions)	$	171	$	178	$	171	$	182	$	183	1%	7%
Average assets (in billions)		171		173		172		178		182	2%	6%	$	169	$	177	5%
Efficiency ratio		35%		39%		36%		40%		36%	(400) bps	100 bps		36%		37%	100 bps
Average allocated TCE (in billions)⁽⁵⁾	$	20.3	$	20.3	$	15.5	$	15.5	$	15.5	-	(24%)	$	20.3	$	15.5	(24%)
RoTCE⁽⁵⁾		18.2%		17.3%		19.2%		22.0%		21.8%	(20) bps	360 bps		16.6%		21.0%	440 bps

Key drivers⁽⁶⁾(in billions)
Average loans	$	171	$	172	$	171	$	177	$	181	2%	6%	$	169	$	176	4%
ACLL as a % of EOP loans		8.09%		7.74%		8.09%		7.68%		7.77%	9 bps	(32) bps
NCLs (annualized) as a % of average loans		4.05%		4.00%		4.12%		4.19%		3.66%	(53) bps	(39) bps		4.39%		3.99%	(40) bps
Revenue rate⁽⁷⁾		10.80%		10.53%		11.28%		10.25%		10.22%	(3) bps	(58) bps		10.83%		10.59%	(24) bps
NII⁽⁸⁾ (annualized) as a % of average loans		11.89%		11.86%		12.13%		11.74%		11.88%	14 bps	(1) bps		11.89%		11.94%	5 bps

(1)	3Q26 and 2Q26 results, balances and metrics include the impact from the additional American Airlines co-branded card portfolio onboarded during 2Q26.

(2)	Primarily related to annual fees, net of new-account acquisition costs.

(3)	Primarily related to revenue incentives from card networks.

(4)	1Q26 includes a reserve build related to Citi's forward purchase commitment of the additional American Airlines co-branded card portfolio. This was released from unfunded lending commitments in 2Q26 and re-established as a reserve for the loans that were acquired.

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

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

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

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

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 9

USCC

Metrics

											3Q26 Increase/
	3Q		4Q		1Q		2Q		3Q		(Decrease) from
Key drivers⁽¹⁾⁽²⁾ (in billions of dollars, except as otherwise noted)	2025		2025		2026		2026		2026		2Q26		3Q25


New credit cards account acquisitions (in thousands)⁽³⁾
General Purpose Credit Cards (GPCC)⁽⁴⁾		1,872		2,115		1,899		4,004		1,840	(54%)		(2%)
Private Label Credit Cards (PLCC)⁽⁵⁾		1,339		1,572		1,043		1,372		1,241	(10%)		(7%)
Average active accounts (in thousands)⁽⁶⁾
GPCC		44,968		45,754		46,218		47,446		47,913	1%		7%
PLCC		23,277		23,049		22,465		21,718		21,379	(2%)		(8%)
Credit card spend volume
GPCC	$	144.5	$	152.4	$	141.5	$	162.3	$	162.9	-		13%
PLCC		12.6		13.9		10.5		13.2		12.1	(8%)		(4%)
Average loans⁽⁷⁾
GPCC	$	136.8	$	138.6	$	138.6	$	144.9	$	148.7	3%		9%
PLCC		30.0		29.8		28.9		28.3		28.1	(1%)		(6%)
Installment Lending		3.7		3.9		3.8		3.8		4.0	5%		8%
EOP loans⁽⁷⁾
GPCC	$	137.7	$	143.2	$	138.7	$	149.2	$	150.3	1%		9%
PLCC		29.8		30.5		28.3		28.4		27.6	(3%)		(7%)
Installment Lending		3.8		3.8		3.8		3.8		4.1	8%		8%
NCLs as a % of average loans
GPCC		3.85%		3.78%		3.87%		4.01%		3.51%	(50) bps		(34) bps
PLCC		4.67%		4.77%		5.05%		4.79%		4.19%	(60) bps		(48) bps
Installment Lending		6.43%		6.00%		6.19%		6.54%		5.65%	(89) bps		(78) bps
Loans 90+ days past due as a % of EOP loans
GPCC		1.27%		1.32%		1.39%		1.21%		1.21%	0 bps		(6) bps
PLCC		2.08%		2.13%		2.15%		1.92%		1.92%	0 bps		(16) bps
Installment Lending		0.58%		0.58%		0.55%		0.53%		0.54%	1 bps		(4) bps
Loans 30-89 days past due as a % of EOP loans
GPCC		1.21%		1.23%		1.20%		1.17%		1.16%	(1) bps		(5) bps
PLCC		2.07%		1.99%		1.98%		1.84%		1.96%	12 bps		(11) bps
Installment Lending		1.26%		1.37%		1.42%		1.24%		1.24%	0 bps		(2) bps

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

(2)	3Q26 and 2Q26 results, balances and metrics include the impact from the additional American Airlines co-branded card portfolio onboarded during 2Q26.

(3)	Represents the number of new credit card accounts opened or acquired.

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

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

(6)	Represent average open credit card accounts on which there has been a purchase, payment or outstanding balance in the quarter.

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

Reclassified to conform to the current period's presentation.

Page 10

ALL OTHER—MANAGED BASIS^(1)(2)(3)

(In millions of dollars, except as otherwise noted)

																	3Q26 Increase/		Nine			Nine			YTD 2026 vs.
		3Q			4Q			1Q			2Q			3Q			(Decrease) from		Months			Months			YTD 2025 Increase
		2025			2025			2026			2026			2026			2Q26	3Q25	2025			2026			(Decrease)

Net interest income		$	1,351		$	1,144		$	1,003		$	937		$	1,018		9%	(25%)	$	4,077		$	2,958		(27%)
Non-interest revenue⁽⁴⁾			120			(1,352)			679			800			414		(48%)	245%		573			1,893		230%
Total revenues, net of interest expense			1,471			(208)			1,682			1,737			1,432		(18%)	(3%)		4,650			4,851		4%
Total operating expenses^{(5)(6)(7)(8)(9)}			2,169			2,026			2,144			2,220			1,874		(16%)	(14%)		6,672			6,238		(7%)
Net credit losses on loans			297			341			371			366			433		18%	46%		809			1,170		45%
Credit reserve build (release) for loans			16			75			13			61			19		(69%)	19%		159			93		(42%)
Provision (release) for credit losses on unfunded lending commitments			(6)			2			(3)			(2)			-		100%	100%		(13)			(5)		62%
Provisions for benefits and claims (PBC), other assets and HTM debt securities			24			31			19			13			80		NM	233%		109			112		3%
Provisions for credit losses and for PBC			331			449			400			438			532		21%	61%		1,064			1,370		29%
Income (loss) from continuing operations before taxes			(1,029)			(2,683)			(862)			(921)			(974)		(6%)	5%		(3,086)			(2,757)		11%
Income taxes (benefits)			(277)			(410)			(474)			(160)			(165)		(3%)	40%		(922)			(799)		13%
Income (loss) from continuing operations			(752)			(2,273)			(388)			(761)			(809)		(6%)	(8%)		(2,164)			(1,958)		10%
Income (loss) from discontinued operations, net of taxes			(1)			(1)			(1)			-			-		-	100%		(2)			(1)		50%
NCI			3			16			105			162			146		(10%)	NM		(2)			413		NM
Net income (loss)		$	(756)		$	(2,290)		$	(494)		$	(923)		$	(955)		(3%)	(26%)	$	(2,164)		$	(2,372)		(10%)
EOP assets (in billions)		$	211		$	210		$	204		$	239		$	198		(17%)	(6%)
Average assets (in billions)			209			202			208			209			204		(2%)	(2%)	$	209		$	206		(1%)
Efficiency ratio			147%			(974%)			127%			128%			131%		NM	NM		143%			129%		NM
Average allocated TCE (in billions)⁽¹⁰⁾		$	40.9		$	39.0		$	39.8		$	39.7		$	39.3		(1%)	(4%)	$	39.4		$	39.6		1%

Revenue by line of business
Mexico Consumer/SBMM		$	1,722		$	1,775		$	2,054		$	1,991		$	2,027		2%	18%	$	4,725		$	6,072		29%
Asia Consumer^(4)(11)			149			(1,434)			105			77			23		(70%)	(85%)		439			205		(53%)
Legacy Holdings Assets (LHA)			-			(12)			2			(15)			(203)		NM	NM		19			(216)		NM
Corporate/Other			(400)			(537)			(479)			(316)			(415)		(31%)	(4%)		(533)			(1,210)		(127%)
Total		$	1,471		$	(208)		$	1,682		$	1,737		$	1,432		(18%)	(3%)	$	4,650		$	4,851		4%

Mexico Consumer/SBMM—key indicators (in billions of dollars)
EOP loans		$	28.5		$	30.0		$	30.6		$	32.0		$	32.2		1%	13%
EOP deposits			40.6			43.8			43.8			46.0			44.3		(4%)	9%
Average loans			27.2			29.2			30.7			31.7			32.7		3%	20%		25.5			31.7		24%
NCLs as a % of average loans (Mexico Consumer only)			5.46%			5.91%			6.37%			6.13%			6.68%		55 bps	122 bps		5.42%			6.40%		98 bps
Loans 90+ days past due as a % of EOP loans (Mexico Consumer only)			1.60%			1.72%			1.71%			1.79%			1.73%		(6) bps	13 bps
Loans 30-89 days past due as a % of EOP loans (Mexico Consumer only)			1.58%			1.59%			1.64%			1.59%			1.70%		11 bps	12 bps

Asia Consumer—key indicators (in billions of dollars)
EOP loans		$	2.7		$	2.5		$	2.2		$	2.1		$	2.2		5%	(19%)
EOP deposits			1.3			1.1			0.9			0.8			0.8		-	(38%)
Average loans			2.8			2.6			2.4			2.2			2.2		-	(21%)		3.8			2.3		(39%)

Legacy Holdings Assets—key indicators (in billions of dollars)
EOP loans		$	1.8		$	1.8		$	1.7		$	1.1		$	0.9		(18%)	(50%)

(1)

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

(2)	Reflects results on a managed basis, which excludes divestiture-related impacts related to Citi's divestitures of its Asia consumer banking businesses and Mexico Consumer/SBMM within Legacy Franchises. See page 14 for additional information.

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

(4)

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

(5)	See footnote 2 on page 14.

(6)	See footnote 3 on page 14.

(7)	See footnote 4 on page 14.

(8)	See footnote 5 on page 14.

(9)	See footnote 6 on page 14.

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

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

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 11

ALL OTHER—MANAGED BASIS⁽¹⁾⁽²⁾

Legacy Franchises⁽³⁾

(In millions of dollars, except as otherwise noted)

											3Q26 Increase/		Nine		Nine		YTD 2026 vs.
	3Q		4Q		1Q		2Q		3Q		(Decrease) from		Months		Months		YTD 2025 Increase
	2025		2025		2026		2026		2026		2Q26	3Q25	2025		2026		(Decrease)
Net interest income	$	1,338	$	1,379	$	1,479	$	1,484	$	1,263	(15%)	(6%)	$	3,776	$	4,226	12%
Non-interest revenue⁽⁴⁾		533		(1,050)		682		569		584	3%	10%		1,407		1,835	30%
Total revenues, net of interest expense		1,871		329		2,161		2,053		1,847	(10%)	(1%)		5,183		6,061	17%

Total operating expenses^{(5)(6)(7)(8)(9)}		1,320		1,222		1,324		1,243		1,182	(5%)	(10%)		3,941		3,749	(5%)

Net credit losses on loans		297		341		371		366		433	18%	46%		809		1,170	45%
Credit reserve build (release) for loans		16		75		13		61		19	(69%)	19%		159		93	(42%)
Provision (release) for credit losses on unfunded lending commitments		(6)		2		(3)		(2)		-	100%	100%		(13)		(5)	62%
Provisions for benefits and claims (PBC), other assets and HTM debt securities		20		29		28		15		78	420%	290%		101		121	20%
Provisions for credit losses and for PBC		327		447		409		440		530	20%	62%		1,056		1,379	31%
Income (loss) from continuing operations before taxes		224		(1,340)		428		370		135	(64%)	(40%)		186		933	402%
Income taxes (benefits)		66		147		137		120		57	(53%)	(14%)		36		314	NM
Income (loss) from continuing operations		158		(1,487)		291		250		78	(69%)	(51%)		150		619	313%
NCI		3		9		114		159		152	(4%)	NM		(5)		425	NM
Net income (loss)	$	155	$	(1,496)	$	177	$	91	$	(74)	NM	NM	$	155	$	194	25%
EOP assets (in billions)	$	86	$	86	$	87	$	87	$	86	(1%)	-
Average assets (in billions)		85		87		88		90		89	(1%)	5%	$	81	$	89	10%
Efficiency ratio		71%		371%		61%		61%		64%	NM	NM		76%		62%	NM
Average allocated TCE (in billions)⁽¹⁰⁾	$	5.1	$	5.1	$	5.7	$	5.7	$	5.7	-	12%	$	5.1	$	5.7	12%

Revenue by line of business
Mexico Consumer/SBMM⁽³⁾	$	1,722	$	1,775	$	2,054	$	1,991	$	2,027	2%	18%	$	4,725	$	6,072	29%
Asia Consumer^(4)(11)		149		(1,434)		105		77		23	(70%)	(85%)		439		205	(53%)
Legacy Holdings Assets (LHA)		-		(12)		2		(15)		(203)	NM	NM		19		(216)	NM
Total	$	1,871	$	329	$	2,161	$	2,053	$	1,847	(10%)	(1%)	$	5,183	$	6,061	17%

Mexico Consumer/SBMM⁽³⁾—key indicators (in billions of dollars)
EOP loans	$	28.5	$	30.0	$	30.6	$	32.0	$	32.2	1%	13%
EOP deposits		40.6		43.8		43.8		46.0		44.3	(4%)	9%
Average loans		27.2		29.2		30.7		31.7		32.7	3%	20%		25.5		31.7	24%
NCLs as a % of average loans (Mexico Consumer only)		5.46%		5.91%		6.37%		6.13%		6.68%	55 bps	122 bps		5.42%		6.40%	98 bps
Loans 90+ days past due as a % of EOP loans (Mexico Consumer only)		1.60%		1.72%		1.71%		1.79%		1.73%	(6) bps	13 bps
Loans 30-89 days past due as a % of EOP loans (Mexico Consumer only)		1.58%		1.59%		1.64%		1.59%		1.70%	11 bps	12 bps

Asia Consumer—key indicators (in billions of dollars)
EOP loans	$	2.7	$	2.5	$	2.2	$	2.1	$	2.2	5%	(19%)
EOP deposits		1.3		1.1		0.9		0.8		0.8	-	(38%)
Average loans		2.8		2.6		2.4		2.2		2.2	-	(21%)		3.8		2.3	(39%)

Legacy Holdings Assets—key indicators (in billions of dollars)
EOP loans	$	1.8	$	1.8	$	1.7	$	1.1	$	0.9	(18%)	(50%)

(1)

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

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

(3)

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

(4)

(5)	See footnote 2 on page 14.

(6)	See footnote 3 on page 14.

(7)	See footnote 4 on page 14.

(8)	See footnote 5 on page 14.

(9)	See footnote 6 on page 14.

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

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

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 12

ALL OTHER

Corporate/Other⁽¹⁾

(In millions of dollars, except as otherwise noted)

											3Q26 Increase/		Nine		Nine		YTD 2026 vs.
	3Q		4Q		1Q		2Q		3Q		(Decrease) from		Months		Months		YTD 2025 Increase
	2025		2025		2026		2026		2026		2Q26	3Q25	2025		2026		(Decrease)


Net interest income	$	13	$	(235)	$	(476)	$	(547)	$	(245)	55%	NM	$	301	$	(1,268)	NM
Non-interest revenue		(413)		(302)		(3)		231		(170)	NM	59%		(834)		58	NM
Total revenues, net of interest expense		(400)		(537)		(479)		(316)		(415)	(31%)	(4%)		(533)		(1,210)	(127%)

Total operating expenses		849		804		820		977		692	(29%)	(18%)		2,731		2,489	(9%)
Provisions (releases) for other assets, HTM debt securities and other		4		2		(9)		(2)		2	NM	(50%)		8		(9)	NM
Income (loss) from continuing operations before taxes		(1,253)		(1,343)		(1,290)		(1,291)		(1,109)	14%	11%		(3,272)		(3,690)	(13%)
Income taxes (benefits)		(343)		(557)		(611)		(280)		(222)	21%	35%		(958)		(1,113)	(16%)
Income (loss) from continuing operations		(910)		(786)		(679)		(1,011)		(887)	12%	3%		(2,314)		(2,577)	(11%)
Income (loss) from discontinued operations, net of taxes		(1)		(1)		(1)		-		-	-	100%		(2)		(1)	50%
NCI		-		7		(9)		3		(6)	NM	NM		3		(12)	NM
Net income (loss)	$	(911)	$	(794)	$	(671)	$	(1,014)	$	(881)	13%	3%	$	(2,319)	$	(2,566)	(11%)

EOP assets (in billions)	$	125	$	124	$	117	$	152	$	112	(26%)	(10%)
Average allocated TCE (in billions)⁽²⁾		35.8		33.9		34.1		34.0		33.6	(1%)	(6%)	$	34.3	$	35.8	4%

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

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

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 13

ALL OTHER

Divestiture-Related Impacts

(Reconciling Items)⁽¹⁾

(In millions of dollars, except as otherwise noted)

											3Q26 Increase/		Nine		Nine		YTD 2026 vs.
	3Q		4Q		1Q		2Q		3Q		(Decrease) from		Months		Months		YTD 2025 Increase
	2025		2025		2026		2026		2026		2Q26	3Q25	2025		2026		(Decrease)

Net interest income	$	-	$	-	$	-	$	-	$	-	-	-	$	-	$	-	-
Non-interest revenue		2		(1)		13		20		12	(40%)	500%		(175)		45	NM
Total revenues, net of interest expense		2		(1)		13		20		12	(40%)	500%		(175)		45	NM
Total operating expenses^{(2)(3)(4)(5)(6)}		766		40		31		25		7	(72%)	(99%)		837		63	(92%)
Net credit losses on loans		(3)		(2)		1		(2)		-	100%	100%		2		(1)	NM
Credit reserve build (release) for loans		-		1		-		-		-	-	-		(11)		-	100%
Provision (release) for credit losses on unfunded lending commitments		-		-		-		-		-	-	-		-		-	-
Provisions for benefits and claims (PBC), other assets and HTM debt securities		-		-		-		-		-	-	-		-		-	-
Provisions for credit losses and for PBC		(3)		(1)		1		(2)		-	100%	100%		(9)		(1)	89%
Income (loss) from continuing operations before taxes		(761)		(40)		(19)		(3)		5	NM	NM		(1,003)		(17)	98%
Income taxes (benefits)		16		70		(7)		(1)		(1)	-	NM		(31)		(9)	71%
Income (loss) from continuing operations		(777)		(110)		(12)		(2)		6	NM	NM		(972)		(8)	99%
Income (loss) from discontinued operations, net of taxes		-		-		-		-		-	-	-		-		-	-
NCI		-		-		-		-		-	-	-		-		-	-
Net income (loss)	$	(777)	$	(110)	$	(12)	$	(2)	$	6	NM	NM	$	(972)	$	(8)	99%

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

(2)

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

(3)	4Q25 includes approximately $40 million in operating expenses (approximately $28 million after-tax), primarily related to separation costs in Mexico. For additional information, see Citi's Annual Report on Form 10-K for the year ended December 31, 2025.

(4)	1Q26 includes approximately $31 million in operating expenses (approximately $23 million after-tax), primarily related to separation costs in Mexico. For additional information, see Citi's Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2026.

(5)	2Q26 includes approximately $25 million in operating expenses (approximately $18 million after-tax), primarily related to separation costs in Mexico. For additional information, see Citi's Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2026.

(6)	3Q26 includes approximately $7 million in operating expenses (approximately $6 million after-tax), largely related to separation costs in Mexico.

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 14

END-OF-PERIOD LOANS⁽¹⁾⁽²⁾

(In billions of dollars)

											3Q26 Increase/
	3Q		4Q		1Q		2Q		3Q		(Decrease) from
	2025		2025		2026		2026		2026		2Q26		3Q25


Corporate loans by region
North America	$	150.1	$	155.2	$	163.6	$	174.8	$	184.1	5%		23%
International		185.2		188.5		195.6		202.3		217.2	7%		17%
Total corporate loans	$	335.3	$	343.7	$	359.2	$	377.1	$	401.3	6%		20%

Corporate loans by segment and reporting unit
Services	$	99.4	$	99.5	$	101.5	$	106.6	$	103.8	(3%)		4%
Markets		149.7		159.4		165.2		182.5		203.5	12%		36%
Banking		78.8		77.2		84.6		79.8		85.5	7%		9%
All Other—Legacy Franchises—Mexico SBMM⁽³⁾		7.4		7.6		7.9		8.2		8.5	4%		15%
Total corporate loans	$	335.3	$	343.7	$	359.2	$	377.1	$	401.3	6%		20%

Wealth by region
North America	$	148.2	$	150.2	$	150.4	$	151.9	$	152.0	-		3%
International		53.5		54.1		54.6		56.2		57.6	2%		8%
Total	$	201.7	$	204.3	$	205.0	$	208.1	$	209.6	1%		4%

USCC
GPCC	$	137.7	$	143.2	$	138.7	$	149.2	$	150.3	1%		9%
PLCC		29.8		30.5		28.3		28.4		27.6	(3%)		(7%)
Installment Lending		3.8		3.8		3.8		3.8		4.1	8%		8%
Total	$	171.3	$	177.5	$	170.8	$	181.4	$	182.0	-		6%

All Other—Consumer
Mexico Consumer	$	21.2	$	22.5	$	22.8	$	23.9	$	23.7	(1%)		12%
Asia Consumer		2.7		2.5		2.2		2.1		2.2	5%		(19%)
Legacy Holdings Assets (LHA)		1.7		1.7		1.6		1.0		0.9	(10%)		(47%)
Total	$	25.6	$	26.7	$	26.6	$	27.0	$	26.8	(1%)		5%

Total consumer loans	$	398.6	$	408.5	$	402.4	$	416.5	$	418.4	-		5%

Total loans—EOP	$	733.9	$	752.2	$	761.6	$	793.7	$	819.7	3%		12%

Total loans—average	$	725.0	$	736.7	$	755.2	$	785.0	$	808.6	3%		12%

NCLs as a % of total average loans		1.21%		1.18%		1.19%		1.23%		1.09%	(14) bps		(12) bps

(1)	Corporate loans include loans managed by Services, Markets, Banking, and All Other—Legacy Franchises—Mexico SBMM.

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

(3)	Includes Legacy Franchises corporate loans activity related to Mexico SBMM, as well as other LHA corporate loans.

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 16

END-OF-PERIOD DEPOSITS

(In billions of dollars)

																	3Q26 Increase/
		3Q			4Q			1Q			2Q			3Q			(Decrease) from
		2025			2025			2026			2026			2026			2Q26		3Q25

Services, Markets, and Banking by region (institutional)
North America		$	428.3		$	452.9		$	478.5		$	518.1		$	531.8		3%		24%
International			483.1			481.3			499.3			504.3			501.5		(1%)		4%
Total		$	911.4		$	934.2		$	977.8		$	1,022.4		$	1,033.3		1%		13%

Treasury and Trade Solutions		$	740.0		$	779.4		$	804.5		$	828.2		$	846.0		2%		14%
Securities Services			151.3			138.4			155.2			174.6			166.6		(5%)		10%
Services		$	891.3		$	917.8		$	959.7		$	1,002.8		$	1,012.6		1%		14%
Markets			19.3			16.0			17.7			19.1			20.3		6%		5%
Banking			0.8			0.4			0.4			0.5			0.4		(20%)		(50%)
Total		$	911.4		$	934.2		$	977.8		$	1,022.4		$	1,033.3		1%		13%

Wealth
North America		$	278.5		$	285.6		$	285.8		$	279.7		$	283.4		1%		2%
International			129.2			126.9			132.1			135.7			135.5		-		5%
Total		$	407.7		$	412.5		$	417.9		$	415.4		$	418.9		1%		3%

All Other
Legacy Franchises
Mexico Consumer		$	29.7		$	33.3		$	32.6		$	34.4		$	33.0		(4%)		11%
Mexico SBMM—corporate			10.9			10.5			11.2			11.6			11.3		(3%)		4%
Asia Consumer			1.3			1.1			0.9			0.8			0.8		-		(38%)
Legacy Holdings Assets (LHA)⁽¹⁾			0.1			0.1			0.1			0.1			0.1		-		-
Corporate/Other			22.8			11.9			5.7			7.9			7.9		-		(65%)
Total		$	64.8		$	56.9		$	50.5		$	54.8		$	53.1		(3%)		(18%)

Total deposits—EOP		$	1,383.9		$	1,403.6		$	1,446.2		$	1,492.6		$	1,505.3		1%		9%

Total deposits—average		$	1,382.2		$	1,422.3		$	1,446.4		$	1,503.5		$	1,528.0		2%		11%

(1)	LHA includes deposits from the U.K. consumer banking business.

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 17

ALLOWANCE FOR CREDIT LOSSES (ACL) ROLLFORWARD

(In millions of dollars, except ratios)

																													ACLL/EOP
	Balance		Builds (Releases)										FY 2025		Balance		Builds (Releases)								YTD 2026		Balance		Loans
	12/31/24		1Q25		2Q25		3Q25		4Q25		FY 2025		FX/Other		12/31/25		1Q26		2Q26		3Q26		YTD 2026		FX/Other⁽¹⁾		9/30/26		9/30/26

Allowance for credit losses on loans (ACLL)
Services	$	264	$	24	$	53	$	(4)	$	(18)	$	55	$	8	$	327	$	97	$	46	$	(23)	$	120	$	2	$	449
Markets		1,030		48		53		(44)		(73)		(16)		13		1,027		23		71		62		156		(4)		1,179
Banking		1,167		78		137		38		136		389		22		1,578		175		(19)		(100)		56		(15)		1,619
Legacy Franchises corporate (Mexico SBMM⁽²⁾)		95		4		16		(12)		6		14		12		121		4		10		(11)		3		(1)		123
Total corporate ACLL	$	2,556	$	154	$	259	$	(22)	$	51	$	442	$	55	$	3,053	$	299	$	108	$	(72)	$	335	$	(18)	$	3,370	0.86%
U.S. Cards	$	13,560	$	(169)	$	(12)	$	44	$	(102)	$	(239)	$	3	$	13,324	$	78	$	41	$	213	$	332	$	75	$	13,731	7.72%
Installment lending		425		(5)		7		11		(15)		(2)		(1)		422		(2)		(1)		(6)		(9)		-		413
Total USCC	$	13,985	$	(174)	$	(5)	$	55	$	(117)	$	(241)	$	2	$	13,746	$	76	$	40	$	207	$	323	$	75	$	14,144
Wealth		673		64		(65)		(16)		6		(11)		7		669		13		-		34		47		-		716
All Other—consumer		1,360		58		54		28		70		210		209		1,779		9		51		30		90		(8)		1,861
Total consumer ACLL	$	16,018	$	(52)	$	(16)	$	67	$	(41)	$	(42)	$	218	$	16,194	$	98	$	91	$	271	$	460	$	67	$	16,721	4.00%
Total ACLL	$	18,574	$	102	$	243	$	45	$	10	$	400	$	273	$	19,247	$	397	$	199	$	199	$	795	$	49	$	20,091	2.48%
Allowance for credit losses on unfunded lending commitments (ACLUC)⁽³⁾	$	1,601	$	108	$	(19)	$	100	$	13	$	202	$	30	$	1,833	$	184	$	(97)	$	134	$	221	$	(10)	$	2,044
Total ACLL and ACLUC		20,175		210		224		145		23		602		303		21,080		581		102		333		1,016		39		22,135
Other⁽⁴⁾⁽⁵⁾		2,002		34		388		74		(17)		479		(2,188)		293		3		(1)		(47)		(45)		(8)		240
Total ACL	$	22,177	$	244	$	612	$	219	$	6	$	1,081	$	(1,885)	$	21,373	$	584	$	101	$	286	$	971	$	31	$	22,375

(1)	Primarily includes FX translation on the EOP ACL balances.

(2)	See footnote 3 on page 16.

(3)	1Q26 includes a reserve build related to Citi's forward purchase commitment of the additional American Airlines co-branded card portfolio. This was released from unfunded lending commitments in 2Q26 and re-established as a reserve for the loans that were acquired.

(4)	Includes ACL activity on HTM securities and Other assets.

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

Reclassified to conform to the current period's presentation.

Page 18

ALLOWANCE FOR CREDIT LOSSES ON LOANS (ACLL) AND
UNFUNDED LENDING COMMITMENTS (ACLUC)

Page 1

(In millions of dollars)

																	3Q26 Increase/			Nine			Nine			YTD 2026 vs.
		3Q			4Q			1Q			2Q			3Q			(Decrease) from			Months			Months			YTD 2025 Increase
		2025			2025			2026			2026			2026			2Q26		3Q25	2025			2026			(Decrease)

Total Citigroup
Allowance for credit losses on loans (ACLL) at beginning of period		$	19,123		$	19,206		$	19,247		$	19,636		$	19,961		2%		4%	$	18,574		$	19,247		4%
Gross credit (losses) on loans			(2,726)			(2,724)			(2,820)			(2,981)			(2,774)		7%		(2%)		(8,375)			(8,575)		(2%)
Gross recoveries on loans			512			534			612			577			557		(3%)		9%		1,468			1,746		19%
Net credit (losses) / recoveries on loans (NCLs)			(2,214)			(2,190)			(2,208)			(2,404)			(2,217)		(8%)		-		(6,907)			(6,829)		(1%)
Replenishment of NCLs			2,214			2,190			2,208			2,404			2,217		(8%)		-		6,907			6,829		(1%)
Net reserve builds / (releases) for loans			45			10			397			199			199		-		342%		390			795		104%
Provision for credit losses on loans (PCLL)			2,259			2,200			2,605			2,603			2,416		(7%)		7%		7,297			7,624		4%
Other, net^{(1)(2)(3)(4)(5)(6)}			38			31			(8)			126			(69)		NM		NM		242			49		(80%)
ACLL at end of period (a)		$	19,206		$	19,247		$	19,636		$	19,961		$	20,091		1%		5%	$	19,206		$	20,091		5%

Allowance for credit losses on unfunded lending commitments (ACLUC)⁽⁷⁾⁽⁸⁾ (a)		$	1,820		$	1,833		$	2,013		$	1,899		$	2,044		8%		12%	$	1,820		$	2,044		12%

Provision (release) for credit losses on unfunded lending commitments⁽⁸⁾		$	100		$	13		$	184		$	(97)		$	134		NM		34%	$	189		$	221		17%

Total allowance for credit losses on loans, leases and unfunded lending commitments [sum of (a)]		$	21,026		$	21,080		$	21,649		$	21,860		$	22,135		1%		5%	$	21,026		$	22,135		5%

Total ACLL as a % of total loans⁽⁹⁾			2.65%			2.58%			2.61%			2.54%			2.48%		(6) bps		(17) bps
Total NCLs (annualized) as a % of total average loans			1.21%			1.18%			1.19%			1.23%			1.09%		(14) bps		(12) bps		1.30%			1.17%		(13) bps

Consumer
ACLL at beginning of period		$	16,100		$	16,205		$	16,194		$	16,297		$	16,510		1%		3%	$	16,018		$	16,194		1%

NCLs			(2,122)			(2,148)			(2,200)			(2,270)			(2,159)		(5%)		2%		(6,584)			(6,629)		1%
Replenishment of NCLs			2,122			2,148			2,200			2,270			2,159		(5%)		2%		6,584			6,629		1%
Net reserve builds / (releases) for loans			67			(41)			98			91			271		198%		304%		(1)			460		NM
Provision for credit losses on loans (PCLL)			2,189			2,107			2,298			2,361			2,430		3%		11%		6,583			7,089		8%
Other, net^{(1)(2)(3)(4)(5)(6)}			38			30			5			122			(60)		NM		NM		188			67		(64%)
ACLL at end of period (b)		$	16,205		$	16,194		$	16,297		$	16,510		$	16,721		1%		3%	$	16,205		$	16,721		3%

Consumer ACLUC⁽⁷⁾⁽⁸⁾ (b)		$	20		$	24		$	297		$	23		$	23		-		15%	$	20		$	23		15%

Provision (release) for credit losses on unfunded lending commitments⁽⁸⁾		$	(4)		$	3		$	274		$	(274)		$	(1)		100%		75%	$	(8)		$	(1)		88%

Total allowance for credit losses on loans, leases and unfunded lending commitments [sum of (b)]		$	16,225		$	16,218		$	16,594		$	16,533		$	16,744		1%		3%	$	16,225		$	16,744		3%

Consumer ACLL as a % of total consumer loans			4.07%			3.96%			4.05%			3.96%			4.00%		4 bps		(7) bps
Consumer NCLs (annualized) as a % of total consumer average loans			2.12%			2.12%			2.21%			2.22%			2.06%		(16) bps		(6) bps		2.25%			2.16%		(9) bps

Corporate
ACLL at beginning of period		$	3,023		$	3,001		$	3,053		$	3,339		$	3,451		3%		14%	$	2,556		$	3,053		19%

NCLs			(92)			(42)			(8)			(134)			(58)		(57%)		(37%)		(323)			(200)		(38%)
Replenishment of NCLs			92			42			8			134			58		(57%)		(37%)		323			200		(38%)
Net reserve builds / (releases) for loans			(22)			51			299			108			(72)		NM		(227%)		391			335		(14%)
Provision for credit losses on loans (PCLL)			70			93			307			242			(14)		NM		NM		714			535		(25%)
Other, net⁽¹⁾			-			1			(13)			4			(9)		NM		NM		54			(18)		NM
ACLL at end of period (c)		$	3,001		$	3,053		$	3,339		$	3,451		$	3,370		(2%)		12%	$	3,001		$	3,370		12%

Corporate ACLUC⁽⁷⁾ (c)		$	1,800		$	1,809		$	1,716		$	1,876		$	2,021		8%		12%	$	1,800		$	2,021		12%


Provision (release) for credit losses on unfunded lending commitments		$	104		$	10		$	(90)		$	177		$	135		(24%)		30%	$	197		$	222		13%

Total allowance for credit losses on loans, leases and unfunded lending commitments [sum of (c)]		$	4,801		$	4,862		$	5,055		$	5,327		$	5,391		1%		12%	$	4,801		$	5,391		12%

Corporate ACLL as a % of total corporate loans⁽¹⁰⁾			0.92%			0.91%			0.95%			0.94%			0.86%		(8) bps		(6) bps
Corporate NCLs (annualized) as a % of total corporate average loans			0.11%			0.05%			0.01%			0.14%			0.06%		(8) bps		(5) bps		0.14%			0.07%		(7) bps

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

Page 19

NON-ACCRUAL ASSETS

(In millions of dollars)

											3Q26 Increase/
	3Q		4Q		1Q		2Q		3Q		(Decrease) from
	2025		2025		2026		2026		2026		2Q26	3Q25

Corporate non-accrual loans by region⁽¹⁾
North America	$	1,280	$	1,145	$	955	$	784	$	778	(1%)	(39%)
International		791		856		1,002		963		954	(1%)	21%
Total	$	2,071	$	2,001	$	1,957	$	1,747	$	1,732	(1%)	(16%)

Corporate non-accrual loans⁽¹⁾
Banking	$	820	$	919	$	971	$	772	$	797	3%	(3%)
Services		187		337		393		419		416	(1%)	122%
Markets		926		622		472		413		400	(3%)	(57%)
Mexico SBMM		138		123		121		143		119	(17%)	(14%)
Total	$	2,071	$	2,001	$	1,957	$	1,747	$	1,732	(1%)	(16%)

Consumer non-accrual loans⁽¹⁾
Wealth	$	886	$	847	$	660	$	728	$	762	5%	(14%)
USCC		22		22		21		20		22	10%	-
Mexico Consumer		526		585		577		631		641	2%	22%
Asia Consumer		16		15		12		13		12	(8%)	(25%)
Legacy Holdings Assets—Consumer		157		149		144		90		85	(6%)	(46%)
Total	$	1,607	$	1,618	$	1,414	$	1,482	$	1,522	3%	(5%)

Total non-accrual loans (NAL)	$	3,678	$	3,619	$	3,371	$	3,229	$	3,254	1%	(12%)

Other real estate owned (OREO)⁽²⁾	$	29	$	22	$	34	$	34	$	68	100%	134%

NAL as a percentage of total loans		0.50%		0.48%		0.44%		0.41%		0.40%	(1) bps	(10) bps

ACLL as a percentage of NAL		522%		532%		582%		618%		617%

(1)

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

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

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 21

CITIGROUP REGULATORY CAPITAL, RATIOS AND COMPOSITION

(In millions of dollars or shares, except ratios)


		Sep. 30,			Dec. 31,			March 31,			June 30,			September 30,
Regulatory Capital, Ratios and Components		2025			2025			2026			2026			2026⁽¹⁾

Risk-Based Capital Metrics
Standardized Approach
CET1 Capital		$	158,480		$	157,099		$	154,729		$	157,547		$	157,424
Tier 1 Capital			178,793			179,675			176,885			180,941			179,462
Total Capital			215,365			216,468			213,683			217,595			214,339
Risk-Weighted Assets (RWA)			1,194,274			1,192,174			1,214,025			1,232,309			1,231,898
CET1 Capital Ratio			13.27%	(a)		13.18%	(a)		12.75%	(a)		12.78%	(a)		12.8%	(a)
Tier 1 Capital Ratio			14.97%	(a)		15.07%			14.57%	(a)		14.68%	(a)		14.6%	(a)
Total Capital Ratio			18.03%			18.16%			17.60%			17.66%			17.4%

Advanced Approaches
CET1 Capital		$	158,480		$	157,099		$	154,729		$	157,547		$	157,424
Tier 1 Capital			178,793			179,675			176,885			180,941			179,462
Total Capital			206,617			206,170			204,606			208,280			205,022
Risk-Weighted Assets (RWA)			1,349,747			1,316,371			1,323,969			1,329,505			1,309,175
CET1 Capital Ratio			11.74%			11.93%			11.69%			11.85%			12.0%
Tier 1 Capital Ratio			13.25%			13.65%	(a)		13.36%			13.61%			13.7%
Total Capital Ratio			15.31%	(a)		15.66%	(a)		15.45%	(a)		15.67%	(a)		15.7%	(a)

CET1 Capital Composition
Citigroup common stockholders’ equity⁽²⁾		$	194,038		$	192,304		$	191,478		$	192,534		$	191,423
Add: qualifying noncontrolling interests			217			226			236			171			190
Regulatory capital adjustments and deductions:
Less:
Accumulated net unrealized gains (losses) on cash flow hedges, net of tax			(116)			10			(239)			(510)			(1,367)
Cumulative unrealized net gain (loss) related to changes in fair value of financial liabilities attributable to own creditworthiness, net of tax			(1,443)			(1,919)			(431)			(1,638)			(1,126)
Intangible assets:
Goodwill, net of related deferred tax liabilities (DTLs)⁽³⁾			17,876			18,482			18,373			18,391			18,424
Identifiable intangible assets other than mortgage servicing rights (MSRs), net of related DTLs			3,169			3,135			3,150			3,829			3,751
Defined benefit pension plan net assets and other			1,725			1,822			1,730			1,711			1,493
Deferred tax assets (DTAs) arising from net operating loss, foreign tax credit and general business credit carry-forwards			10,807			10,784			10,465			10,214			9,889
Excess over 10% / 15% limitations for other DTAs, certain common stock investments and MSRs⁽⁴⁾			3,757			3,117			3,937			3,161			3,125
CET1 Capital		$	158,480		$	157,099		$	154,729		$	157,547		$	157,424

Supplementary Leverage Ratio and Components
CET1 Capital		$	158,480		$	157,099		$	154,729		$	157,547		$	157,424
Additional Tier 1 Capital (AT1)⁽⁵⁾			20,313			22,576			22,156			23,394			22,038
Total Tier 1 Capital (T1C) (CET1 + AT1)		$	178,793		$	179,675		$	176,885		$	180,941		$	179,462
Total Leverage Exposure (TLE)		$	3,236,413		$	3,276,212		$	3,368,515		$	3,514,390		$	3,593,123
Supplementary Leverage ratio (T1C/TLE)			5.52%			5.48%			5.25%			5.15%			5.0%

(a)	Denotes Cit's binding constraint for each respective quarter.

(1)	September 30, 2026 is preliminary.

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

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

(4)	For all periods presented, this deduction relates only to DTAs arising from temporary differences exceeding the 10% limitation.

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

Reclassified to conform to the current period's presentation.

Page 22

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

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

RETURNS ON COMMON EQUITY (RoCE) AND

TANGIBLE COMMON EQUITY (RoTCE)

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

																	3Q26 Increase/			Nine		Nine		YTD 2026 vs.
		3Q			4Q			1Q			2Q			3Q			(Decrease) from			Months		Months		YTD 2025 Increase
		2025			2025			2026			2026			2026			2Q26		3Q25	2025		2026		(Decrease)
Tangible Common Equity, Book Value Per Share and Tangible Book Value Per Share
Common stockholders' equity		$	193,973		$	192,241		$	191,409		$	192,465		$	191,359		(1%)		(1%)
Less:
Goodwill			19,126			19,098			18,997			19,012			19,072
Identifiable intangible assets (other than MSRs)			3,582			3,525			3,539			4,216			4,138
Goodwill and identifiable intangible assets (other than MSRs) related to businesses HFS			-			-			-			-			-
Tangible common equity (TCE)⁽¹⁾		$	171,265		$	169,618		$	168,873		$	169,237		$	168,149		(1%)		(2%)
Common shares outstanding (CSO)			1,789.3			1,747.5			1,705.6			1,677.4			1,655.2		(1%)		(7%)
Book value per share (common equity/CSO)		$	108.41		$	110.01		$	112.22		$	114.74		$	115.61		1%		7%
Tangible book value per share (TCE/CSO)⁽¹⁾		$	95.72		$	97.06		$	99.01		$	100.89		$	101.59		1%		6%

Return on Common Equity (RoCE) and Return on Tangible Common Equity (RoTCE)
Net income (loss)		$	3,752		$	2,471		$	5,785		$	5,831		$	5,245					$	11,835	$	16,861
Preferred dividends			274			284			305			338			353						830		996
Net income (loss) available to common shareholders			3,478			2,187			5,480			5,493			4,892						11,005		15,865
Average common stockholders' equity			195,471			193,205			192,606			193,160			192,809		-		(1%)		194,296		192,858	(1%)
Less:
Average goodwill and intangibles			23,169			22,763			23,360			24,105			24,116						23,485		23,889
Average TCE		$	172,302		$	170,442		$	169,246		$	169,055		$	168,693		-		(2%)	$	170,811	$	168,969	(1%)
RoCE			7.1%			4.5%			11.5%			11.4%			10.1%		(130) bps		300 bps		7.6%		11.0%	340 bps
RoTCE			8.0%			5.1%			13.1%			13.0%			11.5%		(150) bps		350 bps		8.6%		12.6%	400 bps

Average TCE (in billions of dollars)⁽¹⁾⁽²⁾
Services		$	33.0		$	33.0		$	33.5		$	33.5		$	33.5		-		2%	$	33.0	$	33.5	2%
Markets			53.5			53.5			56.4			56.4			56.4		-		5%		53.5		56.4	5%
Banking			9.2			9.2			7.8			7.8			7.8		-		(15%)		9.2		7.8	(15%)
Wealth			15.4			15.4			16.2			16.2			16.2		-		5%		15.4		16.2	5%
USCC			20.3			20.3			15.5			15.5			15.5		-		(24%)		20.3		15.5	(24%)
All Other			40.9			39.0			39.8			39.7			39.3		(1%)		(4%)		39.4		39.6	1%
Total Citi average TCE		$	172.3		$	170.4		$	169.2		$	169.1		$	168.7		-		(2%)	$	170.8	$	169.0	(1%)

Add:
Average goodwill		$	19.6		$	19.2		$	19.9		$	20.2		$	19.9					$	20.7	$	22.0
Average intangible assets (other than MSRs)			3.6			3.6			3.5			3.9			4.2						2.8		1.9
Total Citi average common stockholders' equity (in billions of dollars)		$	195.5		$	193.2		$	192.6		$	193.2		$	192.8		-		(1%)	$	194.3	$	192.9	(1%)

Income (loss) available to common shareholders (in billions of dollars)⁽³⁾
Services		$	2.1		$	2.5		$	2.2		$	2.6		$	2.6		-		24%	$	5.6	$	7.4	32%
Markets			1.7			0.8			2.6			2.4			1.7		(29%)		-		5.4		6.7	24%
Banking			0.3			0.4			0.3			0.4			0.4		-		33%		0.6		1.0	67%
Wealth			0.3			0.3			0.4			0.6			0.6		-		100%		0.9		1.6	78%
USCC			0.9			0.9			0.7			0.9			0.9		-		-		2.5		2.4	(4%)
All Other—managed basis⁽³⁾			(1.0)			(2.6)			(0.7)			(1.4)			(1.3)		7%		(30%)		(3.0)		(3.2)	(7%)
Reconciling Items—divestiture-related impacts⁽⁴⁾			(0.8)			(0.1)			-			-			-		-		100%		(1.0)		-	100%
Total Citi income (loss) available to common shareholders⁽³⁾		$	3.5		$	2.2		$	5.5		$	5.5		$	4.9		(11%)		40%	$	11.0	$	15.9	45%

RoTCE⁽¹⁾
Services			25.0%			30.0%			27.0%			30.9%			31.2%		30 bps		620 bps		22.8%		29.7%	690 bps
Markets			12.6%			6.2%			18.7%			17.0%			12.3%		(470) bps		(30) bps		13.4%		15.9%	250 bps
Banking			11.6%			15.3%			15.8%			18.0%			19.2%		120 bps		760 bps		8.5%		17.7%	920 bps
Wealth			7.8%			7.7%			10.8%			14.4%			14.3%		(10) bps		650 bps		7.6%		13.2%	560 bps
USCC			18.2%			17.3%			19.2%			22.0%			21.8%		(20) bps		360 bps		16.6%		21.0%	440 bps
All Other—managed basis⁽³⁾			(10.0%)			(26.2%)			(8.1%)			(12.8%)			(13.2%)		NM		NM		(10.2%)		(18.8%)	NM
Reconciling Items—divestiture-related impacts⁽⁴⁾			N/A			N/A			N/A			N/A			N/A						N/A		N/A
Total Citi RoTCE			8.0%			5.1%			13.1%			13.0%			11.5%		(150) bps		350 bps		8.6%		12.6%	400 bps

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

(2)

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

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

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

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 23

FX Impact

(In millions of dollars)

																	3Q26 Increase/			Nine			Nine			YTD 2026 vs.
		3Q			4Q			1Q			2Q			3Q			(Decrease) from			Months			Months			YTD 2025 Increase
		2025			2025			2026			2026			2026			2Q26		3Q25	2025			2026			(Decrease)

Foreign currency (FX) translation impact

Total Citigroup

Total revenues—as reported		$	22,090		$	19,871		$	24,633		$	24,766		$	23,845		(4%)		8%	$	65,354		$	73,244		12%
Impact of FX translation⁽¹⁾			103			189			67			(78)			-						899			-
Total revenues—Ex-FX⁽¹⁾		$	22,193		$	20,060		$	24,700		$	24,688		$	23,845		(3%)		7%	$	66,253		$	73,244		11%

Total operating expenses—as reported		$	14,290		$	13,840		$	14,311		$	14,215		$	13,952		(2%)		(2%)	$	41,292		$	42,478		3%
Impact of FX translation⁽¹⁾			152			104			(17)			(11)			-						746			-
Total operating expenses—Ex-FX⁽¹⁾		$	14,442		$	13,944		$	14,294		$	14,204		$	13,952		(2%)		(3%)	$	42,038		$	42,478		1%

Total provisions for credit losses and PBC—as reported		$	2,450		$	2,220		$	2,805		$	2,522		$	2,586		3%		6%	$	8,045		$	7,913		(2%)
Impact of FX translation⁽¹⁾			17			21			6			(5)			-						145			-
Total provisions for credit losses and PBC—Ex-FX⁽¹⁾		$	2,467		$	2,241		$	2,811		$	2,517		$	2,586		3%		5%	$	8,190		$	7,913		(3%)

Total EBIT—as reported		$	5,350		$	3,811		$	7,517		$	8,029		$	7,307		(9%)		37%	$	16,017		$	22,853		43%
Impact of FX translation⁽¹⁾			(66)			64			78			(62)			-						8			-
Total EBIT—Ex-FX⁽¹⁾		$	5,284		$	3,875		$	7,595		$	7,967		$	7,307		(8%)		38%	$	16,025		$	22,853		43%

Total EOP Loans—as reported		$	734		$	752		$	762		$	794		$	820		3%		12%
Impact of FX translation⁽¹⁾			(2)			(2)			(1)			(1)			-
Total EOP Loans—Ex-FX⁽¹⁾		$	732		$	750		$	761		$	793		$	820		3%		12%

Total EOP Deposits—as reported		$	1,384		$	1,404		$	1,446		$	1,493		$	1,505		1%		9%
Impact of FX translation⁽¹⁾			(4)			(5)			1			-			-
Total EOP Deposits—Ex-FX⁽¹⁾		$	1,380		$	1,399		$	1,447		$	1,493		$	1,505		1%		9%

Total Average Loans—as reported		$	725		$	737		$	755		$	785		$	809		3%		12%	$	709		$	783		10%
Impact of FX translation⁽¹⁾			2			2			-			-			-						7			-
Total Average Loans—Ex-FX⁽¹⁾		$	727		$	739		$	755		$	785		$	809		3%		11%	$	716		$	783		9%

Total Average Deposits—as reported		$	1,382		$	1,422		$	1,446		$	1,504		$	1,528		2%		11%	$	1,343		$	1,493		11%
Impact of FX translation⁽¹⁾			2			4			(1)			(1)			-						15			-
Total Average Deposits—Ex-FX⁽¹⁾		$	1,384		$	1,426		$	1,445		$	1,503		$	1,528		2%		10%	$	1,358		$	1,493		10%

Legacy Franchises—Mexico Consumer/SBMM

All Other—Legacy Franchises (LF) Mexico Consumer/SBMM revenues—as reported		$	1,722		$	1,775		$	2,054		$	1,996		$	2,032		2%		18%	$	4,725		$	6,082		29%
Impact of FX translation⁽¹⁾			99			75			9			(1)			-						458			-
All Other—LF Mexico Consumer/SBMM revenues—Ex-FX⁽¹⁾		$	1,821		$	1,850		$	2,063		$	1,995		$	2,032		2%		12%	$	5,183		$	6,082		17%

All Other—LF Mexico Consumer/SBMM expenses—as reported		$	1,772		$	962		$	1,181		$	1,060		$	1,058		-		(40%)	$	3,816		$	3,299		(14%)
Impact of FX translation⁽¹⁾			116			44			5			(1)			-						421			-
All Other—LF Mexico Consumer/SBMM expenses—Ex-FX⁽¹⁾		$	1,888		$	1,006		$	1,186		$	1,059		$	1,058		-		(44%)	$	4,237		$	3,299		(22%)

(1)

Reflects the impact of foreign currency (FX) translation into U.S. dollars applying the third quarter of 2026 average exchange rates for all quarterly periods, and YTD 2026 average exchange rates for nine-months results, with the exception of EOP loans and deposits, which were calculated based on exchange rates as of September 30, 2026. Citi's results excluding the impact of FX translation are non-GAAP financial measures.

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 24

Reconciliation of Adjusted Results (Page 1)

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

																	3Q26 Increase/			Nine			Nine			YTD 2026 vs.
		3Q			4Q			1Q			2Q			3Q			(Decrease) from			Months			Months			YTD 2025 Increase
		2025			2025			2026			2026			2026			2Q26		3Q25	2025			2026			(Decrease)

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


Total Citigroup revenues—as reported		$	22,090		$	19,871		$	24,633		$	24,766		$	23,845		(4%)		8%	$	65,354		$	73,244		12%
Less:
Total divestiture-related Impacts on revenues			2			(1)			13			20			12						(175)			45
Total Citigroup revenues, excluding divestitures impacts^(*)		$	22,088		$	19,872		$	24,620		$	24,746		$	23,833		(4%)		8%	$	65,529		$	73,199		12%

Total Citigroup revenues—as reported		$	22,090		$	19,871		$	24,633		$	24,766		$	23,845		(4%)		8%	$	65,354		$	73,244		12%
Less:
Notable item—Russia HFS accounting treatment loss impact on revenues⁽¹⁾			-			(1,173)			-			-			-						-			-
Total Citigroup revenues, excluding notable item(s) impact^(*)		$	22,090		$	21,044		$	24,633		$	24,766		$	23,845		(4%)		8%	$	65,354		$	73,244		12%

Total Citigroup net interest income (NII)—as reported		$	14,940		$	15,665		$	15,741		$	17,125		$	16,982		(1%)		14%	$	44,127		$	49,848		13%
Markets NII⁽²⁾			2,178			2,761			2,797			4,002			3,273						6,926			10,072
Citigroup NII ex-Markets^(*)		$	12,762		$	12,904		$	12,944		$	13,123		$	13,709		4%		7%	$	37,201		$	39,776		7%

Total Citigroup non-interest revenue (NIR)—as reported		$	7,150		$	4,206		$	8,892		$	7,641		$	6,863		(10%)		(4%)	$	21,227		$	23,396		10%
Markets NIR⁽²⁾			3,567			1,848			4,449			3,005			2,840						10,874			10,294
Citigroup NIR ex-Markets^(*)		$	3,583		$	2,358		$	4,443		$	4,636		$	4,023		(13%)		12%	$	10,353		$	13,102		27%
Less:
Notable item—Russia HFS accounting treatment loss impact on revenues⁽³⁾			-			(1,192)			-			-			-						-			-
Citigroup NIR ex-Markets, excluding notable item(s) impact^(*)		$	3,583		$	3,550		$	4,443		$	4,636		$	4,023		(13%)		12%	$	10,353		$	13,102		27%

Total Citigroup operating expenses

Total Citigroup operating expenses—as reported		$	14,290		$	13,840		$	14,311		$	14,215		$	13,952		(2%)		(2%)	$	41,292		$	42,478		3%
Less:
Notable item—Mexico goodwill impairment charge impact on operating expenses⁽⁴⁾			726			-			-			-			-						726			-
Total Citigroup operating expenses, excluding notable item(s)^(*)		$	13,564		$	13,840		$	14,311		$	14,215		$	13,952		(2%)		3%	$	40,566		$	42,478		5%

Total Citigroup revenues—as reported		$	22,090		$	19,871		$	24,633		$	24,766		$	23,845		(4%)		8%	$	65,354		$	73,244		12%
Total Citigroup operating expenses—as reported			14,290			13,840			14,311			14,215			13,952		(2%)		(2%)		41,292			42,478		3%
Total Citigroup efficiency ratio—as reported			64.7%			69.6%			58.1%			57.4%			58.5%		110 bps		(620) bps		63.2%			58.0%		(520) bps
Less:
Notable item(s) impact(s) on revenues⁽¹⁾			-			(1,173)			-			-			-						-			-
Total Citigroup revenues, excluding notable item(s)^(*)		$	22,090		$	21,044		$	24,633		$	24,766		$	23,845		(4%)		8%	$	65,354		$	73,244		12%
Less:
Notable item(s) impact(s) on operating expenses⁽⁴⁾			726			-			-			-			-						726			-
Total Citigroup operating expenses, excluding notable item(s)^(*)		$	13,564		$	13,840		$	14,311		$	14,215		$	13,952		(2%)		3%	$	40,566		$	42,478		5%
Total Citigroup efficiency ratio, excluding notable item(s)^(*)			61.4%			65.8%			58.1%			57.4%			58.5%		110 bps		(290) bps		62.1%			58.0%		(410) bps

*	Represents a non-GAAP financial measure.

(1)	See footnote 4 on page 12 for details.

(2)	See page 6 for details.

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

(4)	See footnote 2 on page 14 for details.

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 25

Reconciliation of Adjusted Results (Page 2)

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

															3Q26 Increase/			Nine		Nine		YTD 2026 vs.
	3Q			4Q			1Q			2Q			3Q		(Decrease) from			Months		Months		YTD 2025 Increase
	2025			2025			2026			2026			2026		2Q26		3Q25	2025		2026		(Decrease)
Total Citigroup operating expenses

Total Citigroup other operating expenses⁽¹⁾—as reported	$	3,386		$	3,168		$	2,369		$	2,613		$	2,745	5%		(19%)	$	8,341	$	7,727	(7%)
Less:
Notable item—Mexico goodwill impairment charge impact on other operating expenses⁽²⁾		726			-			-			-			-					726		-
Total Citigroup other operating expenses, excluding notable item(s)^(*)	$	2,660		$	3,168		$	2,369		$	2,613		$	2,745	5%		3%	$	7,615	$	7,727	1%

Notable items adjustments

Total Citigroup net income—as reported	$	3,752		$	2,471		$	5,785		$	5,831		$	5,245	(10%)		40%	$	11,835	$	16,861	42%
Less notable items:
Russia HFS accounting treatment loss impact on net income⁽³⁾		-			(1,123)			-			-			-					-		-
Mexico goodwill impairment charge impact on net income⁽²⁾		(714)			-			-			-			-					(714)		-
Total Citigroup net income, excluding notable Item(s)^(*)	$	4,466		$	3,594		$	5,785		$	5,831		$	5,245	(10%)		17%	$	12,549	$	16,861	34%

Total Citigroup diluted EPS—as reported	$	1.86		$	1.19		$	3.06		$	3.15		$	2.85	(10%)		53%	$	5.78	$	9.07	57%
Less:
Notable item(s)⁽²⁾⁽³⁾		(0.38)			(0.62)			-			-			-					(0.37)		-
Total Citigroup diluted EPS, excluding notable item(s)^(*)	$	2.24		$	1.81		$	3.06		$	3.15		$	2.85	(10%)		27%	$	6.15	$	9.07	47%

Total Citigroup diluted EPS—as reported	$	1.86		$	1.19		$	3.06		$	3.15		$	2.85	(10%)		53%	$	5.78	$	9.07	57%
Less:
Notable item—Russia HFS accounting treatment loss impact on net income⁽³⁾		-			(0.62)			-			-			-					-		-
Total Citigroup diluted EPS, excluding notable item^(*)	$	1.86		$	1.81		$	3.06		$	3.15		$	2.85	(10%)		53%	$	5.78	$	9.07	57%

Total Citigroup RoCE—as reported		7.1%			4.5%			11.5%			11.4%			10.1%	(130) bps		300 bps		7.6%		11.0%	340 bps
Less:
Notable item(s)⁽²⁾⁽³⁾		(140) bps			(230) bps			0 bps			0 bps			0 bps					(50) bps		0 bps
Total Citigroup RoCE, excluding notable items^(*)		8.5%			6.8%			11.5%			11.4%			10.1%	(130) bps		160 bps		8.1%		11.0%	290 bps

Total Citigroup RoTCE—as reported		8.0%			5.1%			13.1%			13.0%			11.5%	(150) bps		350 bps		8.6%		12.6%	400 bps
Less:
Notable item(s)⁽²⁾⁽³⁾		(170) bps			(260) bps			0 bps			0 bps			0 bps					(60) bps		0 bps
Total Citigroup RoTCE, excluding notable items^(*)		9.7%			7.7%			13.1%			13.0%			11.5%	(150) bps		180 bps		9.2%		12.6%	340 bps

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

All Other revenues—managed basis^(*)	$	1,471		$	(208)		$	1,682		$	1,737		$	1,432	(18%)		(3%)	$	4,650	$	4,851	4%
Add:
Total divestiture-related impacts on revenues		2			(1)			13			20			12					(175)		45
All Other revenues—U.S. GAAP	$	1,473		$	(209)		$	1,695		$	1,757		$	1,444	(18%)		(2%)	$	4,475	$	4,896	9%

All Other operating expenses—managed basis^(*)	$	2,169		$	2,026		$	2,144		$	2,220		$	1,874	(16%)		(14%)	$	6,672	$	6,238	(7%)
Add:
Total divestiture-related impacts on operating expenses⁽⁵⁾		766			40			31			25			7					837		63
All Other operating expenses—U.S. GAAP	$	2,935		$	2,066		$	2,175		$	2,245		$	1,881	(16%)		(36%)	$	7,509	$	6,301	(16%)

All Other provisions for credit losses—managed basis^(*)	$	331		$	449		$	400		$	438		$	532	21%		61%	$	1,064	$	1,370	29%
Add:
Total divestiture-related impacts on provisions for credit losses		(3)			(1)			1			(2)			-					(9)		(1)
All Other provisions for credit losses—U.S. GAAP	$	328		$	448		$	401		$	436		$	532	22%		62%	$	1,055	$	1,369	30%

All Other EBIT—managed basis^(*)	$	(1,029)		$	(2,683)		$	(862)		$	(921)		$	(974)	(6%)		5%	$	(3,086)	$	(2,757)	11%
Add:
Total divestiture-related impacts on revenues		2			(1)			13			20			12					(175)		45
Total divestiture-related impacts on operating expenses⁽⁵⁾		(766)			(40)			(31)			(25)			(7)					(837)		(63)
Total divestiture-related impacts on provisions for credit losses		3			1			(1)			2			-					9		1
All Other EBIT—U.S. GAAP	$	(1,790)		$	(2,723)		$	(881)		$	(924)		$	(969)	(5%)		46%	$	(4,089)	$	(2,774)	32%

*	Represents a non-GAAP financial measure.

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

(2)	See footnote 2 on page 14 for details.

(3)	See footnote 4 on page 12 for details.

(4)	Reflects results on a managed basis, which excludes divestiture-related impacts related to Citi's divestitures of its Asia consumer banking businesses and Mexico Consumer/SBMM within Legacy Franchises. See page 14 for additional information.

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

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 26

Reconciliation of Adjusted Results (Page 3)

(In millions of dollars, except as otherwise noted)

											3Q26 Increase/		Nine		Nine		YTD 2026 vs.
	3Q		4Q		1Q		2Q		3Q		(Decrease) from		Months		Months		YTD 2025 Increase
	2025		2025		2026		2026		2026		2Q26	3Q25	2025		2026		(Decrease)


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

All Other net income (loss)—managed basis	$	(756)	$	(2,290)	$	(494)	$	(923)	$	(955)	(3%)	(26%)	$	(2,164)	$	(2,372)	(10%)
Add:
Total divestiture-related impacts on revenue		2		(1)		13		20		12				(175)		45
Total divestiture-related impacts on operating expenses⁽²⁾		(766)		(40)		(31)		(25)		(7)				(837)		(63)
Total divestiture-related impacts on provisions for credit losses		3		1		(1)		2		-				9		1
Total divestiture-related impacts on income taxes		(16)		(70)		7		1		1				31		9
All Other net income (loss)—U.S. GAAP	$	(1,533)	$	(2,400)	$	(506)	$	(925)	$	(949)	(3%)	38%	$	(3,136)	$	(2,380)	24%


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

Legacy Franchises revenues (managed basis)—as reported	$	1,871	$	329	$	2,161	$	2,053	$	1,847	(10%)	(1%)	$	5,183	$	6,061	17%
Less:
Notable item—portion of Russia HFS accounting treatment loss impact on LF revenues⁽³⁾		-		(1,556)		-		-		-				-		-
LF revenues, excluding notable item(s) impact^(*)	$	1,871	$	1,885	$	2,161	$	2,053	$	1,847	(10%)	(1%)	$	5,183	$	6,061	17%


LF revenues—managed basis^(*)	$	1,871	$	329	$	2,161	$	2,053	$	1,847	(10%)	(1%)	$	5,183	$	6,061	17%
Add:
Total divestiture-related impacts on revenues		2		(1)		13		20		12				(175)		45
LF revenues—U.S. GAAP	$	1,873	$	328	$	2,174	$	2,073	$	1,859	(10%)	(1%)	$	5,008	$	6,106	22%


LF operating expenses—managed basis^(*)	$	1,320	$	1,222	$	1,324	$	1,243	$	1,182	(5%)	(10%)	$	3,941	$	3,749	(5%)
Add:
Total divestiture-related impacts on operating expenses⁽²⁾		766		40		31		25		7				837		63
LF operating expenses—U.S. GAAP	$	2,086	$	1,262	$	1,355	$	1,268	$	1,189	(6%)	(43%)	$	4,778	$	3,812	(20%)


LF provisions for credit losses—managed basis^(*)	$	327	$	447	$	409	$	440	$	530	20%	62%	$	1,056	$	1,379	31%
Add:
Total divestiture-related impacts on provisions for credit losses		(3)		(1)		1		(2)		-				(9)		(1)
LF provisions for credit losses—U.S. GAAP	$	324	$	446	$	410	$	438	$	530	21%	64%	$	1,047	$	1,378	32%


LF EBIT—managed basis^(*)	$	224	$	(1,340)	$	428	$	370	$	135	(64%)	(40%)	$	186	$	933	402%

Add:
Total divestiture-related impacts on revenue		2		(1)		13		20		12				(175)		45
Total divestiture-related impacts on operating expenses⁽²⁾		(766)		(40)		(31)		(25)		(7)				(837)		(63)
Total divestiture-related impacts on provisions for credit losses		3		1		(1)		2		-				9		1
LF EBIT—U.S. GAAP	$	(537)	$	(1,380)	$	409	$	367	$	140	(62%)	NM	$	(817)	$	916	NM


LF net income (loss)—managed basis^(*)	$	155	$	(1,496)	$	177	$	91	$	(74)	NM	NM	$	155	$	194	25%
Add:
Total divestiture-related impacts on revenue		2		(1)		13		20		12				(175)		45
Total divestiture-related impacts on operating expenses⁽²⁾		(766)		(40)		(31)		(25)		(7)				(837)		(63)
Total divestiture-related impacts on provisions for credit losses		3		1		(1)		2		-				9		1
Total divestiture-related impacts on income taxes		(16)		(70)		7		1		1				31		9
LF net income (loss)—U.S. GAAP	$	(622)	$	(1,606)	$	165	$	89	$	(68)	NM	89%	$	(817)	$	186	NM

*	Represents a non-GAAP financial measure.

(1)	Reflects results on a managed basis, which excludes divestiture-related impacts related to Citi's divestitures of its Asia consumer banking businesses and Mexico Consumer/SBMM within Legacy Franchises. See page 14 for additional information.

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

(3)	See footnote 4 on page 12 for details.

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 27

Reconciliation of Adjusted Results (Page 4)

(In millions of dollars, except as otherwise noted)

																	3Q26 Increase/			Nine			Nine			YTD 2026 vs.
		3Q			4Q			1Q			2Q			3Q			(Decrease) from			Months			Months			YTD 2025 Increase
		2025			2025			2026			2026			2026			2Q26		3Q25	2025			2026			(Decrease)
Services

Services revenues—as reported		$	5,730		$	6,272		$	6,103		$	6,382		$	6,614		4%		15%	$	16,364		$	19,099		17%
Less:
Notable item—portion of Russia HFS accounting treatment impact on services revenues⁽¹⁾			-			356			-			-			-						-			-
Services revenues, excluding notable item(s) impact^(*)		$	5,730		$	5,916		$	6,103		$	6,382		$	6,614		4%		15%	$	16,364		$	19,099		17%

Services non-interest revenue (NIR)—as reported		$	1,907		$	2,222		$	1,960		$	2,091		$	2,142		2%		12%	$	5,413		$	6,193		14%
Less:
Notable item—portion of Russia HFS accounting treatment impact on services revenues⁽¹⁾			-			356			-			-			-						-			-
Services NIR, excluding notable item(s) impact^(*)		$	1,907		$	1,866		$	1,960		$	2,091		$	2,142		2%		12%	$	5,413		$	6,193		14%

Banking—Corporate Lending revenues

Banking—Corporate Lending revenues—as reported		$	409		$	417		$	441		$	374		$	391		5%		(4%)	$	1,186		$	1,206		2%
Gain (loss) on loan hedges⁽²⁾			(44)			(26)			50			(32)			9						(92)			27
Banking—Corporate Lending revenues—excluding gain (loss) on loan hedges^(*)		$	453		$	443		$	391		$	406		$	382		(6%)		(16%)	$	1,278		$	1,179		(8%)

*	Represents a non-GAAP financial measure.

(1)	See footnote 4 on page 12 for details.

(2)	See page 7 for details.

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 28

Reconciliation of Adjusted Results (Page 5)

(In millions of dollars, or as otherwise noted)

3Q26 Increase/

Nine

YTD 2026 vs.

(Decrease) from

Months

YTD 2025 Increase

 

2025

 

2025

 

2026

 

2026

 

2026

 

2Q26

 

3Q25

2025

 

2026

 

(Decrease)

Total Citigroup revenues

Total Citigroup revenues—as reported

22,090

19,871

24,633

24,766

23,845

(4%)

65,354

73,244

12%

Less:

Total divestiture-related impacts on revenues

(1)

(175)

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

(1,173)

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

22,088

21,045

24,620

24,746

23,833

(4%)

65,529

73,199

12%

Total Citigroup operating expenses—as reported

14,290

13,840

14,311

14,215

13,952

(2%)

41,292

42,478

Less:

Total divestiture-related impacts on expenses⁽³⁾

766

837

FDIC special assessment⁽⁴⁾

(47)

(191)

(47)

Total Citigroup operating expenses, excluding divestitures impacts and FDIC special assessment^(4)(*)

13,571

13,991

14,280

14,190

13,945

(2%)

40,502

42,415

Total Citigroup operating expenses—as reported

14,290

13,840

14,311

14,215

13,952

(2%)

41,292

42,478

Less:

Goodwill impairment⁽⁵⁾

726

Total Citigroup operating expenses, excluding goodwill impairment^(*)

13,564

13,840

14,311

14,215

13,952

(2%)

40,566

42,478

Total Citigroup RoCE and RoTCE

Total Citigroup RoCE—as reported

7.1%

4.5%

11.5%

11.4%

10.1%

(130) bps

300 bps

7.6%

11.0%

340 bps

Less:

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

0 bps

(230) bps

0 bps

Total Citigroup RoCE, excluding notable item^(*)

7.1%

6.8%

11.5%

11.4%

10.1%

(130) bps

300 bps

7.6%

11.0%

340 bps

Total Citigroup RoTCE—as reported

8.0%

5.1%

13.1%

13.0%

11.5%

(150) bps

350 bps

8.6%

12.6%

400 bps

Less:

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

0 bps

(260) bps

0 bps

Total Citigroup RoTCE, excluding notable item^(*)

8.0%

7.7%

13.1%

13.0%

11.5%

(150) bps

350 bps

8.6%

12.6%

400 bps

*	Represents a non-GAAP financial measure.

(1)

Not used.

(2)	See footnote 4 on page 12 for details.

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

(4)	Federal Deposit Insurance Corporation (FDIC) Special Assessment.

(5)	See footnote 2 on page 14 for details.

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 29

Reconciliation of Adjusted Results (Page 6)

(In millions of dollars, except as otherwise noted)

																	3Q26 Increase/			Nine			Nine			YTD 2026 vs.
		3Q			4Q			1Q			2Q			3Q			(Decrease) from			Months			Months			YTD 2025 Increase
		2025			2025			2026			2026			2026			2Q26		3Q25	2025			2026			(Decrease)

Legacy Franchises (LF) exits contribution

Revenues

Closed or signed markets revenues—Ex-divestitures		$	122		$	(1,456)		$	77		$	54		$	(1)		NM		NM	$	348		$	130		(63%)
Add:
Divestiture-related impacts on closed or signed markets revenues			2			(1)			13			15			7						(175)			35
Closed or signed markets revenues—U.S. GAAP		$	124		$	(1,457)		$	90		$	69		$	6		(91%)		(95%)	$	173		$	165		(5%)

Mexico Consumer/SBMM revenues—Ex-divestitures		$	1,722		$	1,775		$	2,054		$	1,991		$	2,027		2%		18%	$	4,725		$	6,072		29%
Add:
Divestiture-related impacts on Mexico/SBMM			-			-			-			5			5						-			10
Mexico Consumer/SBMM revenues—U.S. GAAP		$	1,722		$	1,775		$	2,054		$	1,996		$	2,032		2%		18%	$	4,725		$	6,082		29%

Wind-downs/sale/other revenues—Ex-divestitures		$	27		$	10		$	30		$	8		$	(179)		NM		NM	$	110		$	(141)		NM
Add:
Divestiture-related impacts on wind-downs/sale/other revenues			-			-			-			-			-						-			-
Wind-downs/sale/other revenues—U.S. GAAP		$	27		$	10		$	30		$	8		$	(179)		NM		NM	$	110		$	(141)		NM

Expenses

Closed or signed markets expenses—Ex-divestitures		$	133		$	108		$	75		$	68		$	(1)		NM		NM	$	429		$	142		(67%)
Add:
Divestiture-related impacts on closed or signed markets expenses			4			8			5			6			2						21			13
Closed or signed markets expenses—U.S. GAAP		$	137		$	116		$	80		$	74		$	1		(99%)		(99%)	$	450		$	155		(66%)

Mexico Consumer/SBMM expenses—Ex-divestitures		$	1,013		$	928		$	1,157		$	1,041		$	1,054		1%		4%	$	3,006		$	3,252		8%
Add:
Divestiture-related impacts on Mexico/SBMM			759			34			24			19			4						810			47
Mexico Consumer/SBMM expenses—U.S. GAAP		$	1,772		$	962		$	1,181		$	1,060		$	1,058		-		(40%)	$	3,816		$	3,299		(14%)

Wind-downs/sale/other expenses—Ex-divestitures		$	174		$	186		$	92		$	134		$	129		(4%)		(26%)	$	506		$	355		(30%)
Add:
Divestiture-related impacts on wind-downs/sale/other expenses			3			(2)			2			-			1						6			3
Wind-downs/sale/other expenses—U.S. GAAP		$	177		$	184		$	94		$	134		$	130		(3%)		(27%)	$	512		$	358		(30%)

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 30

		Average Volumes									Interest									% Average Rate⁽⁴⁾


		3Q25			2Q26			3Q26⁽⁵⁾			3Q25			2Q26			3Q26⁽⁵⁾			3Q25		2Q26		3Q26⁽⁵⁾
Assets
Deposits with banks		$	332,245		$	359,133		$	361,153		$	3,435		$	3,375		$	3,514		4.10%		3.77%		3.86%
Securities borrowed and purchased under resale agreements⁽⁶⁾			357,804			440,589			464,076			7,003			6,852			7,196		7.77%		6.24%		6.15%
Trading account assets⁽⁷⁾			523,334			559,737			568,225			5,289			6,112			5,215		4.01%		4.38%		3.64%
Investments			449,689			453,144			471,185			4,177			4,098			4,539		3.69%		3.63%		3.82%
Consumer loans			396,333			410,349			416,849			10,150			10,156			10,649		10.16%		9.93%		10.14%
Corporate loans			328,686			374,696			391,700			5,263			5,502			5,905		6.35%		5.89%		5.98%
Total loans (net of unearned income)⁽⁸⁾			725,019			785,045			808,549			15,413			15,658			16,554		8.43%		8.00%		8.12%
Other interest-earning assets			83,974			113,683			103,152			1,400			1,595			1,774		6.61%		5.63%		6.82%
Total average interest-earning assets		$	2,472,065		$	2,711,331		$	2,776,340		$	36,717		$	37,690		$	38,792		5.89%		5.58%		5.54%

Liabilities
Deposits		$	1,180,367		$	1,295,173		$	1,323,057		$	9,163		$	8,747		$	9,210		3.08%		2.71%		2.76%
Securities loaned and sold under repurchase agreements⁽⁶⁾			401,821			449,213			475,798			7,356			6,713			6,978		7.26%		5.99%		5.82%
Trading account liabilities⁽⁷⁾			107,815			131,577			141,490			755			788			897		2.78%		2.40%		2.52%
Short-term borrowings and other interest-bearing liabilities			147,175			189,438			174,829			1,933			2,046			2,267		5.21%		4.33%		5.14%
Long-term debt⁽⁹⁾			187,340			176,982			188,347			2,543			2,243			2,431		5.39%		5.08%		5.12%
Total average interest-bearing liabilities		$	2,024,518		$	2,242,383		$	2,303,521		$	21,750		$	20,537		$	21,783		4.26%		3.67%		3.75%


Net interest income as a % of average interest-earning assets (NIM)⁽⁹⁾											$	14,967		$	17,153		$	17,009		2.40%		2.54%		2.43%

3Q26 increase (decrease) from:																				3 bps		(11) bps

		Page
	Citigroup
	Financial Summary	1
	Consolidated Statement of Income	2
	Consolidated Balance Sheet	3
	Segment Net Revenues and Income (Loss)	4

	Services	5
	Markets	6
	Banking	7
	Wealth	8
	U.S. Consumer Cards (USCC)	9
	Metrics	10
	All Other	11
	Legacy Franchises	12
	Corporate/Other	13
	Divestiture-Related Impacts—Reconciling Items	14

	Citigroup Supplemental Detail
	Average Balances and Interest Rates	15
	EOP (End-of-Period) Loans	16
	EOP Deposits	17
	Allowance for Credit Losses (ACL) Rollforward	18
	Allowance for Credit Losses on Loans (ACLL) and Unfunded Lending Commitments (ACLUC)	19 - 20
	Non-Accrual Assets	21
	Citigroup Regulatory Capital, Ratios and Composition	22
	Tangible Common Equity (TCE), Common Equity, Book Value per Share, Tangible Book Value Per Share (TBVPS) and Returns on Common Equity (RoCE) and Tangible Common Equity (RoTCE)	23

	Reconciliations of Adjusted Results and FX Impact
	FX Impact	24
	Total Citigroup Revenues, Net Interest Income (NII) and Non-Interest Revenues (NIR), and Total Citigroup Operating Expenses	25
	Notable Items Adjustments and All Other (Managed Basis)	26
	All Other (Managed Basis),and Legacy Franchises (Managed Basis)	27
	Services and Banking—Corporate Lending Revenues	28
	Total Citigroup Revenues, Total Operating Expenses, RoCE and RoTCE	29
	Legacy Franchises Exits Contribution	30