Citigroup, Inc. · NYSE:C
Citigroup — Investor Day (2026)
15 slides from Citigroup's investor day presentation, 2026
Slide 1: Shahmir Khaliq, Head of Services
Shahmir Khaliq Head of Services
Slide 2: Unmatched leader for institutions with cross-border needs
Unmatched leader for institutions with cross-border needs Services #1 RANK 11.5% SHARE(1) LIQUIDITY TRADE AND PAYMENTS MANAGEMENT WORKING CAPITAL INVESTOR ISSUER SERVICES SOLUTIONS SERVICES SERVICES Support the capital market Make cross-border and Finance trade activities Connect investors and Optim
Slide 3: Delivering strong financial and operating performance
Delivering strong financial and operating performance(c) 2025 $22.6B $7.6B $11.4B $878B $31T 48% 24.6% REVENUES NIR EBT AVG. DEPOSITS AUC/A EFFICIENCY RoTCE(d) REVENUES NIR EBT AND RoTCE(d) +12% CAGR +10% CAGR USD in Billions USD in Billions USD in Billions / % 27.0% 22.6 7.6 17.5% 16.1% 22.4% 24.6%
Slide 4: Services is a through-the-cycle business
Services is a through-the-cycle business Our ability to capture market share and sustain growth through the cycle is driven by consistent improvement in fees and the stability of our client relationships GROWTH DRIVERS SERVICES REVENUE GROWTH ($B) +~8% CAGR 20.3 22.6 ~80% ~85% 18.6 Services deposits
Slide 5: Industry trends and our strategy
Industry trends and our strategy The industry faces disruption from innovative technology, creating a mix of risks and opportunities INDUSTRY TRENDS KEY FOCUS AREAS New technologies: AI and blockchain 1 Execute on client strategy Continued growth in digital commerce and cross-border solutions 2 Next
Slide 6: Execute on client strategy
1 Execute on client strategy DEEPEN WITH SUPERCHARGE STRATEGIC CAPTURE SHARE IN INSTITUTIONAL CLIENTS CLIENT SEGMENTS HIGH-GROWTH VERTICALS Large Public Financial Commercial Asset Asset eCommerce Technology ETF Corporates Sector Institutions Bank clients Managers Owners and Fintech • Facilitate cros
Slide 7: Next-generation platforms
2 Next-generation platforms Building next-generation platforms to support the future of transaction services with speed, scale and availability PLATFORM OBJECTIVES INVESTMENT OUTCOMES • High volume acceptance APPLICATIONS ON TRANSACTIONS PER DAY Real-Time, Scalable, • Low latency processing: 1 Alway
Slide 8: AI initiatives
2 AI initiatives The Services AI strategy is focused on improving our clients’ operating platforms and empowering our teams to better serve their end-to-end needs PLATFORM DESIGNED AROUND THE CLIENT RELATIONSHIP ALIGNED TO THE FIRM’S PRIORITIES SALES CLIENT OPS AGENT TECH 1 Business Strategy and Rev
Slide 9: Innovative solutions
3 Innovative solutions Our investments are focused on serving our clients’ evolving needs with best-in-class client experience • 24/7 Clearing – now integrated with Citi® Token Services 300+ 135+ PAYMENTS Banks live with 24/7 Cross currency payment • Cross-border and WorldLink® payments Clearing(b,1
Slide 10: Digital Asset strategy
3 Digital Asset strategy We have been investing in the Digital Asset space for several years, building out production- grade capabilities and a strong foundation for growth SUPPORT CLIENT INNOVATION IN THE DIGITAL ASSET ECOSYSTEM 1 2 3 4 EXPAND CITI® DRIVE EXPAND CUSTODY PROVIDE SERVICES TO TOKEN SE
Slide 11: Preeminent partner for institutions with cross-border needs
Preeminent partner for institutions with cross-border needs Invest in Continue to Build on Execute on Embed AI across next-generation develop innovative foundational digital client strategy the client lifecycle platforms solutions asset investments KEY DRIVERS RETURNS TRAJECTORY AUC/A ($T) AVERAGE D
Slide 12: Investment capacity will come from driving out certain costs as well
Investment capacity will come from driving out certain costs as well Certain as increased statements in this presentation productivity, enabled are “forward-looking statements” within theby AIof the Private Securities meaning Litigation Reform Act of 1995, including statements made orally by Citi’s
Slide 13: Footnotes
Footnotes Global a. Represents both countries and jurisdictions. b. As of December 31, 2025. c. As previously disclosed, certain reporting changes were implemented in the first quarter of 2026. Prior period results for Citi's segments were recast to reflect these reporting changes, while Citi's cons
Slide 14: Footnotes
Footnotes Slide 2 1. Source: Coalition Greenwich Global Competitor Benchmarking Analytics for FY25. Results are based upon Citi’s internal product taxonomy, Citi’s internal revenues, and Large Corporate & FI Client Segment. Market share is calculated using Citi- internal revenues and Coalition Green
Slide 15: Footnotes
Footnotes Slide 7 1. Represents Citi® Payments Express Instant Payment availability in December 2025, excluding Argentina. 2. API call is a request made by one software application to another through an Application Programming Interface (API). 3. Source: Crisil Coalition Greenwich 2025 Digital Trans