Citigroup, Inc. · NYSE:C
Citigroup — Investor Day (2026)
21 slides from Citigroup's investor day presentation, 2026
Slide 1: Investor Day: Vis Raghavan, Head of Banking
citi I INVESTOR DAY Vis Raghavan Head of Banking
Slide 2: Banking: Clients' portal into Citi
Banking: Clients’ portal into Citi Banking CORPORATE BANKING(a) COMMERCIAL BANKING(a) INVESTMENT BANKING Global client coverage and Local partner with global reach, Client-centric advisory and capital solutions through unparalleled bringing institutional-grade markets solutions designed to Network B
Slide 3: Financial performance at a glance
Financial performance at a glance(c) 2025 $6.4B $4.6B $4.5B 10% $415B REVENUES IB FEES EXPENSES RoTCE(d) COMMITTED EXPOSURE(e) BANKING SEGMENT REPORTED REVENUES FULL FIRM BANKING CLIENT REVENUES(1) USD in Billions USD in Billions +7% CAGR +10% CAGR 6.4 40 46 4.8 5.3 37 37 3.9 2022 2023 2024 2025 202
Slide 4: Our exceptional franchise gives us a right to win
Our exceptional franchise gives us a right to win(f) DEEPLY ROOTED HIGH-QUALITY AND GLOBAL SCALE, RELATIONSHIPS DIVERSIFIED LOCAL EXPERTISE Embedded with our clients across High-quality and balanced across Unparalleled global network with the full product suite sectors, segments and geographies lead
Slide 5: A proven model, delivering at scale
A proven model, delivering at scale Strategic Insights Trusted Advisor to C-Suite and Board Driving client success Deep and differentiated understanding of our clients Strategic mindshare to realize client ambitions Right to Win Full wallet primacy OneCiti Deeply Rooted Relationships Embedded in day
Slide 6: We have established a strong foundation
We have established a strong foundation Footnotes begin on Slide 19.
Slide 7: A stronger, more integrated franchise
A stronger, more integrated franchise Built through focused execution and deliberate actions INTEGRATED Unified Banking leadership across CB, CCB and IB driving connectivity and synergies, ORGANIZATION delivering the full firm BEST-IN-CLASS Ongoing talent investments and replenishments, including st
Slide 8: Relentless client-centricity and product excellence
Relentless client-centricity and product excellence CORPORATE BANK (CB)(a,1) Reinforced market leadership through coverage integration(2) CB client revenue growth (YoY) CLIENT DEEPENING OFFERING BREADTH SHARE GAINS 11% ~15% ~25% ~65bps 10% Growth in average Growth in number of IB share gain with rev
Slide 9: Competing to win across Investment Banking
Competing to win across Investment Banking FOCUSED EXECUTION BROAD-BASED SHARE GAINS Share of wallet gain (2022-2025)(1) Targeted talent investments PRODUCTS M&A 100bps Top 3 in Buy-side M&A (#6 in 2022) Balanced sector mix ECM 70bps Two consecutive years in Top 5 (#9 in 2022) DCM 45bps Strong share
Slide 10: Raising the bar
Raising the bar Footnotes begin on Slide 19.
Slide 11: Our playbook for excellence
Our playbook for excellence Scale in high-growth sectors Technology, Healthcare and Industrials DISCIPLINED EXCEPTIONAL CAPITAL Outperform in the U.S. TALENT DEPLOYMENT Across CB, CCB and IB OneCiti Lead with strategic advisory and financing C-Suite and Board-level mindshare SERIAL Accelerate primac
Slide 12: Best-in-class talent is the bedrock of our success
Best-in-class talent is the bedrock of our success DELIVERING MORE FROM A LEANER, HIGHER-PERFORMING TEAM SCALING TALENT TO POWER SUSTAINABLE GROWTH 2022 2023 2024 2025 IB Wallet(b) $79B $69B $89B $106B Invest where it compounds Citi’s Share(b) 4.0% 4.0% 4.5% 4.7% Targeting strategic gaps and high-ac
Slide 13: Deploying capital for maximum OneCiti impact
Deploying capital for maximum OneCiti impact Wield balance sheet heft at scale for superior client outcomes SCALE $415B Committed Banking exposure(e) Allocate capital with a OneCiti mindset and clear banker ownership ~20% PRODUCTIVITY More revenues per dollar committed since 2022(1), with a clear pa
Slide 14: Embedding a serial winning mindset
Embedding a serial winning mindset Client mindshare first, wallet share will follow C-Suite trust, operationally entrenched, content-led and seamless delivery Entirety of client wallet Earn outsized share across our entire offering suite Culture of accountability OneCiti Clear ownership and success
Slide 15: Investing to capture the opportunity ahead
Investing to capture the opportunity ahead FOCUS AREAS KEY PERFORMANCE INDICATORS (Near-Term(h) Targets) BEST-IN- Sector and product expansion – high-growth nexus e.g., Healthcare, Technology, Industrials INVESTMENT BANKING SHARE(b) CLASS >6% TALENT U.S., U.K. and Western Europe 4.0% 4.7% Sponsor pr
Slide 16: Path forward to higher returns
Path forward to higher returns Lead with strategic Scale in high- Outperform in Accelerate primacy Expand middle advisory and growth sectors the U.S. with Sponsors market footprint financing RETURNS (RoTCE) TRAJECTORY Mid-to-high teens Mid-teens 10% Coverage Banker Capital and expansion productivity
Slide 17: 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 18: Banking client revenue
Banking client revenue Banking Client Revenues “Banking Clients” are clients who are covered under Banking’s $B (CB + CCB) sales coverage model and to whom product capabilities are FY'22 FY'23 FY'24 FY'25 delivered across Services, Markets and Banking, where the respective revenues are reflected in
Slide 19: Footnotes
Footnotes Global a. The Corporate Bank (CB) and the Commercial Bank (CCB) are defined as sales coverage units for Citi clients and are not operating segments or reporting units. The financial results for the CB and CCB are each reflected across various products within the Services, Markets, and Bank
Slide 20: Footnotes
Footnotes Slide 2 1. Source: Coalition Greenwich Global Competitor Benchmarking Analytics for Full Year 2025. Results are based upon Citi’s internal product taxonomy, Citi’s internal revenues, and Large Corporate and FI Client Segment. Peer Group in industry ranking includes BAC, BNPP, GS, HSBC, JPM
Slide 21: Footnotes
Footnotes Slide 9 1. Source: Based on external Dealogic data as of March 31, 2026. Represents the change in Investment Banking wallet share (in basis points) in 2025 compared to 2022. Share gains rounded to the nearest 5 basis points. 2. Strategic clients are classified as clients with which Citi ha