CITIGROUP—QUARTERLY FINANCIAL DATA SUPPLEMENT 2Q26 CitigroupFinancial 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 DetailAverage 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 ImpactFX 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 ~PAGE-BREAK~ CITIGROUP FINANCIAL SUMMARY(In millions of dollars, except per share amounts, ratios, bps, and as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Revenues, net of interest expense 21,668 $ 22,090 $ 19,871 $ 24,633 $ 24,766 $ 1% 14% 43,264 $ 49,399 $ 14% Operating expenses 13,577 14,290 13,840 14,311 14,215 (1%) 5% 27,002 28,526 6% Net credit losses (NCLs) 2,234 2,214 2,190 2,208 2,404 9% 8% 4,693 4,612 (2%) Credit reserve build (release) for loans 243 45 10 397 199 (50%) (18%) 345 596 73% Provision / (release) for unfunded lending commitments (19) 100 13 184 (97) NM (411%) 89 87 (2%) Provisions for benefits and claims, other assets and HTM debt securities 414 91 7 16 16 - (96%) 468 32 (93%) Provisions for credit losses and for benefits and claims 2,872 2,450 2,220 2,805 2,522 (10%) (12%) 5,595 5,327 (5%) Income (loss) from continuing operations before income taxes 5,219 5,350 3,811 7,517 8,029 7% 54% 10,667 15,546 46% Income taxes (benefits) 1,186 1,559 1,288 1,578 2,005 27% 69% 2,526 3,583 42% Income (loss) from continuing operations 4,033 3,791 2,523 5,939 6,024 1% 49% 8,141 11,963 47% Income (loss) from discontinued operations, net of taxes - (1) (1) (1) - 100% - (1) (1) - Net income (loss) before noncontrolling interests 4,033 3,790 2,522 5,938 6,024 1% 49% 8,140 11,962 47% Net income (loss) attributable to noncontrolling interests 14 38 51 153 193 26% NM 57 346 NM Citigroup's net income (loss) 4,019 $ 3,752 $ 2,471 $ 5,785 $ 5,831 $ 1% 45% 8,083 $ 11,616 $ 44% Diluted earnings per share:Income (loss) from continuing operations 1.96 $ 1.86 $ 1.19 $ 3.06 $ 3.15 $ 3% 61% 3.92 $ 6.21 $ 58% Net income (loss) 1.96 $ 1.86 $ 1.19 $ 3.06 $ 3.15 $ 3% 61% 3.92 $ 6.21 $ 58% Preferred dividends 287 $ 274 $ 284 $ 305 $ 338 $ 11% 18% 556 $ 643 $ 16% Income allocated to unrestricted common shareholders—basicIncome (loss) from continuing operations (for EPS purposes) 3,683 3,439 2,150 5,425 5,446 - 48% 7,435 10,871 46% Net income (loss) (for EPS purposes) 3,683 3,438 2,149 5,424 5,446 - 48% 7,434 10,870 46% Income allocated to unrestricted common shareholders—dilutedIncome (loss) from continuing operations (for EPS purposes) 3,702 3,459 2,170 5,443 5,466 - 48% 7,471 10,909 46% Net income (loss) (for EPS purposes) 3,702 3,458 2,169 5,442 5,466 - 48% 7,470 10,908 46% Shares (in millions):Average basic 1,855.9 1,820.3 1,772.8 1,736.9 1,700.9 (2%) (8%) 1,867.5 1,718.9 (8%) Average diluted 1,893.1 1,862.6 1,816.9 1,776.0 1,735.6 (2%) (8%) 1,906.4 1,755.8 (8%) Common shares outstanding, at period end 1,840.9 1,789.3 1,747.5 1,705.6 1,677.4 (2%) (9%) Regulatory capital ratios and performance metrics:Common Equity Tier 1 (CET1) Capital ratio 13.48% 13.27% 13.18% 12.75% 12.8% Tier 1 Capital ratio 14.98% 14.97% 13.65% 14.57% 14.7% Total Capital ratio 15.28% 15.31% 15.66% 15.45% 15.7% Supplementary Leverage ratio (SLR) 5.53% 5.52% 5.48% 5.25% 5.2% Return on average assets 0.61% 0.55% 0.36% 0.83% 0.80% (3) bps 19 bps 0.63% 0.81% 18 bps Return on average common equity (RoCE) 7.7% 7.1% 4.5% 11.5% 11.4% (10) bps 370 bps 7.8% 11.5% 370 bps Average tangible common equity (TCE) (in billions of dollars) 172.1 $ 172.3 $ 170.4 $ 169.2 $ 169.1 $ - (2%) 170.7 $ 169.2 $ (1%) Return on tangible common equity (RoTCE) 8.7% 8.0% 5.1% 13.1% 13.0% (10) bps 430 bps 8.9% 13.1% 420 bps Operating leverage 567 bps 59 bps (381) bps 746 bps 960 bps 214 bps 393 bps 668 bps 854 bps 186 bps Efficiency ratio (total operating expenses/total revenues, net) 62.7% 64.7% 69.6% 58.1% 57.4% (70) bps (530) bps 62.4% 57.7% (470) bps Balance sheet data (in billions of dollars, except per share amounts) :Total assets 2,622.8 $ 2,642.5 $ 2,657.2 $ 2,777.7 $ 2,894.7 $ 4% 10% Total average assets 2,647.8 2,688.8 2,722.5 2,816.8 2,936.0 4% 11% 2,582.5 2,876.4 11% Total loans 725.3 733.9 752.2 761.6 793.7 4% 9% Total deposits 1,357.7 1,383.9 1,403.6 1,446.2 1,492.6 3% 10% Citigroup's stockholders' equity 213.2 213.0 212.3 211.0 212.0 - (1%) Book value per share 106.94 108.41 110.01 112.22 114.74 2% 7% Tangible book value per share 94.16 95.72 97.06 99.01 100.89 2% 7% Direct staff (in thousands) 230 227 226 224 219 (2%) (5%) (1) Ratios as of June 30, 2026 are preliminary.(2)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.(3) For the composition of Citi's SLR, see page 22.(4) TCE, RoTCE and Tangible book value per share are non-GAAP financial measures. See page 23 for a reconciliation of Tangible book value per shareand Citi's average TCE to Citi's total average stockholders' equity.(5) 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 operatingexpenses. Positive operating leverage indicates that the revenue growth rate was greater than the expense growth rate. 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. 2Q26 Increase/ (Decrease) from 1 ~PAGE-BREAK~ CITIGROUP CONSOLIDATED STATEMENT OF INCOME(In millions of dollars) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) RevenuesInterest income (including dividends) 35,859 $ 36,690 $ 36,649 $ 35,513 $ 37,662 $ 6% 5% 69,525 $ 73,175 $ 5% Interest expense 20,684 21,750 20,984 19,772 20,537 4% (1%) 40,338 40,309 - Net interest income (NII) 15,175 14,940 15,665 15,741 17,125 9% 13% 29,187 32,866 13% Commissions and fees 2,745 2,888 2,829 3,272 3,298 1% 20% 5,452 6,570 21% Principal transactions 2,503 2,772 1,450 4,008 2,481 (38%) (1%) 6,013 6,489 8% Administration and other fiduciary fees 1,123 1,117 1,129 1,123 1,257 12% 12% 2,168 2,380 10% Realized gains (losses) on sales of investments, net 138 105 107 270 169 (37%) 22% 259 439 69% Net impairment losses on investments recognized in earnings (35) (25) (234) (140) (68) 51% (94%) (93) (208) (124%) Other revenue (loss) 19 293 (1,075) 359 504 40% NM 278 863 210% Total non-interest revenues (NIR) 6,493 7,150 4,206 8,892 7,641 (14%) 18% 14,077 16,533 17% Total revenues, net of interest expense 21,668 22,090 19,871 24,633 24,766 1% 14% 43,264 49,399 14% Provisions for credit losses and for benefits and claimsNet credit losses on loans 2,234 2,214 2,190 2,208 2,404 9% 8% 4,693 4,612 (2%) Credit reserve build / (release) for loans 243 45 10 397 199 (50%) (18%) 345 596 73% Provision for credit losses on loans 2,477 2,259 2,200 2,605 2,603 - 5% 5,038 5,208 3% Provision for credit losses on held-to-maturity (HTM) debt securities 7 (5) 15 (30) 1 NM (86%) 2 (29) NM Provision for credit losses on other assets 381 79 (32) 33 (2) NM NM 420 31 (93%) Policyholder benefits and claims 26 17 24 13 17 31% (35%) 46 30 (35%) Provision for credit losses on unfunded lending commitments (19) 100 13 184 (97) NM (411%) 89 87 (2%) Total provisions for credit losses and for benefits and claims 2,872 2,450 2,220 2,805 2,522 (10%) (12%) 5,595 5,327 (5%) Operating expensesCompensation and benefits 7,633 7,474 7,068 8,382 7,992 (5%) 5% 15,097 16,374 8% Technology / communication 2,290 2,325 2,429 2,335 2,269 (3%) (1%) 4,669 4,604 (1%) Transactional and product servicing 1,184 1,110 1,179 1,225 1,341 9% 13% 2,286 2,566 12% Premises and equipment 615 607 681 586 618 5% - 1,189 1,204 1% Professional services 510 514 573 441 438 (1%) (14%) 986 879 (11%) Advertising and marketing 269 260 318 233 283 21% 5% 519 516 (1%) Restructuring (2) (5) (4) - - - 100% (5) - 100% Other operating 1,078 2,005 1,596 1,109 1,274 15% 18% 2,261 2,383 5% Total operating expenses 13,577 14,290 13,840 14,311 14,215 (1%) 5% 27,002 28,526 6% Income (loss) from continuing operations before income taxes 5,219 5,350 3,811 7,517 8,029 7% 54% 10,667 15,546 46% Provision (benefit) for income taxes 1,186 1,559 1,288 1,578 2,005 27% 69% 2,526 3,583 42% Income (loss) from continuing operations 4,033 3,791 2,523 5,939 6,024 1% 49% 8,141 11,963 47% Discontinued operationsIncome (loss) from discontinued operations - (1) (1) (1) - 100% - (1) (1) - Provision (benefit) for income taxes - - - - - - - - - - Income (loss) from discontinued operations, net of taxes - (1) (1) (1) - 100% - (1) (1) - - - Net income (loss) before attribution to noncontrolling interests 4,033 3,790 2,522 5,938 6,024 1% 49% 8,140 11,962 47% Noncontrolling interests 14 38 51 153 193 26% NM 57 346 NM Citigroup's net income (loss) 4,019 $ 3,752 $ 2,471 $ 5,785 $ 5,831 $ 1% 45% 8,083 $ 11,616 $ 44% NM Not meaningful. Reclassified to conform to the current period's presentation. 2Q26 Increase/ (Decrease) from 2 ~PAGE-BREAK~ CITIGROUP CONSOLIDATED BALANCE SHEET(In millions of dollars) June 30, September 30, December 31, March 31, June 30, 2025 2025 2025 2026 2026 1Q26 2Q25 AssetsCash and due from banks (including segregated cash and other deposits) 24,991 $ 23,545 $ 23,717 $ 23,625 $ 24,663 $ 4% (1%) Deposits with banks, net of allowance 312,482 324,515 325,862 362,097 341,750 (6%) 9% Securities borrowed and purchased under agreements to resell, net of allowance 323,892 321,347 356,195 353,094 404,655 15% 25% Brokerage receivables, net of allowance 64,029 75,992 62,679 91,720 83,322 (9%) 30% Trading account assets 568,558 562,254 537,139 593,473 634,356 7% 12% Investments Available-for-sale debt securities 235,802 246,227 246,720 257,822 286,765 11% 22% Held-to-maturity debt securities, net of allowance 206,094 197,092 189,831 178,503 167,893 (6%) (19%) Equity securities 7,504 7,413 7,678 7,839 8,263 5% 10% Total investments 449,400 450,732 444,229 444,164 462,921 4% 3% LoansConsumer 395,759 398,628 408,533 402,391 416,520 4% 5% Corporate 329,586 335,277 343,697 359,225 377,138 5% 14% Loans, net of unearned income 725,345 733,905 752,230 761,616 793,658 4% 9% Allowance for credit losses on loans (ACLL) (19,123) (19,206) (19,247) (19,636) (19,961) (2%) (4%) Total loans, net 706,222 714,699 732,983 741,980 773,697 4% 10% Goodwill 19,878 19,126 19,098 18,997 19,012 - (4%) Intangible assets (including MSRs) 4,409 4,330 4,284 4,305 5,004 16% 13% Premises and equipment, net of depreciation and amortization 32,312 32,819 33,339 33,574 33,897 1% 5% Other assets, net of allowance 116,599 113,116 117,677 110,658 111,377 1% (4%) Total assets 2,622,772 $ 2,642,475 $ 2,657,202 $ 2,777,687 $ 2,894,654 $ 4% 10% LiabilitiesNon-interest-bearing deposits in U.S. offices 119,898 $ 116,921 $ 121,610 $ 122,083 $ 122,307 $ - 2% Interest-bearing deposits in U.S. offices 575,709 592,728 613,052 634,812 665,841 5% 16% Total U.S. deposits 695,607 709,649 734,662 756,895 788,148 4% 13% Non-interest-bearing deposits in offices outside the U.S. 86,458 83,920 87,041 86,004 83,823 (3%) (3%) Interest-bearing deposits in offices outside the U.S. 575,668 590,360 581,870 603,341 620,636 3% 8% Total international deposits 662,126 674,280 668,911 689,345 704,459 2% 6% Total deposits 1,357,733 1,383,929 1,403,573 1,446,240 1,492,607 3% 10% Securities loaned and sold under agreements to repurchase 347,913 349,726 348,098 369,585 411,126 11% 18% Brokerage payables 90,949 89,596 74,836 111,224 116,076 4% 28% Trading account liabilities 163,952 160,243 162,798 185,266 187,193 1% 14% Short-term borrowings 55,560 54,760 51,878 72,056 68,978 (4%) 24% Long-term debt 317,761 315,846 315,827 307,566 333,749 9% 5% Other liabilities, plus allowances 74,774 74,498 86,370 73,178 70,475 (4%) (6%) Total liabilities 2,408,642 $ 2,428,598 $ 2,443,380 $ 2,565,115 $ 2,680,204 $ 4% 11% Stockholders' equityPreferred stock 16,350 $ 19,050 $ 20,050 $ 19,550 $ 19,550 $ - 20% Common stock 31 31 31 31 31 - - Additional paid-in capital 108,839 109,010 108,452 107,821 107,343 - (1%) Retained earnings 211,674 214,034 215,128 219,542 223,989 2% 6% Treasury stock, at cost (79,886) (84,932) (89,473) (95,370) (99,398) (4%) (24%) Accumulated other comprehensive income (loss) (AOCI) (43,786) (44,170) (41,897) (40,615) (39,500) 3% 10% Total common equity 196,872 $ 193,973 $ 192,241 $ 191,409 $ 192,465 $ 1% (2%) Total Citigroup stockholders' equity 213,222 $ 213,023 $ 212,291 $ 210,959 $ 212,015 $ 1% (1%) Noncontrolling interests 908 854 1,531 1,613 2,435 51% 168% Total equity 214,130 213,877 213,822 212,572 214,450 1% - Total liabilities and equity 2,622,772 $ 2,642,475 $ 2,657,202 $ 2,777,687 $ 2,894,654 $ 4% 10% (1)June 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-marketbanking (Mexico SBMM), and the Assets Finance Group (AFG)).(3)Corporate loans include loans managed by Services, Markets, Banking, and All Other—Legacy Franchises—Mexico SBMM, and the AFG.(4)Includes allowance for credit losses for unfunded lending commitments. See page 19.(5)The December 31, 2025 and June 30, 2026 balances include the impacts on total equity from the sales of the 25.0% and 22.6% equity stakes,respectively, in Grupo Financiero Banamex, S.A. de C.V. NM Not meaningful. Reclassified to conform to the current period's presentation. 2Q26 Increase/ (Decrease) from 3 ~PAGE-BREAK~ SEGMENT NET REVENUES AND INCOME (LOSS)(In millions of dollars) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Revenues, net of interest expense Services 5,430 $ 5,730 $ 6,272 $ 6,103 $ 6,382 $ 5% 18% 10,634 $ 12,485 $ 17% Markets 5,980 5,745 4,609 7,246 7,007 (3%) 17% 12,055 14,253 18% Banking 1,434 1,647 1,773 1,767 1,922 9% 34% 2,964 3,689 24% Wealth 2,814 2,839 2,862 3,065 3,177 4% 13% 5,571 6,242 12% U.S. Consumer Cards (USCC) 4,471 4,656 4,564 4,757 4,521 (5%) 1% 9,038 9,278 3% All Other—managed basis 1,716 1,471 (208) 1,682 1,737 3% 1% 3,179 3,419 8% Reconciling Items—divestiture-related impacts (177) 2 (1) 13 20 54% NM (177) 33 NM Total net revenues—reported 21,668 $ 22,090 $ 19,871 $ 24,633 $ 24,766 $ 1% 14% 43,264 $ 49,399 $ 14% Income (loss) from continuing operations Services 1,728 $ 2,098 $ 2,512 $ 2,242 $ 2,597 $ 16% 50% 3,577 $ 4,839 $ 35% Markets 1,824 1,723 856 2,629 2,404 (9%) 32% 3,686 5,033 37% Banking 91 267 355 304 351 15% 286% 313 655 109% Wealth 385 303 299 432 583 35% 51% 576 1,015 76% USCC 758 929 884 732 852 16% 12% 1,596 1,584 (1%) All Other—managed basis (573) (752) (2,273) (388) (761) (96%) (33%) (1,412) (1,149) 19% Reconciling Items—divestiture-related impacts (180) (777) (110) (12) (2) 83% 99% (195) (14) 93% Income (loss) from continuing operations—reported 4,033 3,791 2,523 5,939 6,024 1% 49% 8,141 11,963 47% Discontinued operations - (1) (1) (1) - 100% - (1) (1) - Net income (loss) attributable to noncontrolling interests 14 38 51 153 193 26% NM 57 346 NM Net income (loss) 4,019 $ 3,752 $ 2,471 $ 5,785 $ 5,831 $ 1% 45% 8,083 $ 11,616 $ 44% (1)Includes Legacy Franchises and certain unallocated costs of global staff functions (including finance, risk, human resources, legal, and compliance-relatedcosts), other corporate expenses, and unallocated global operations and technology expenses, and income taxes, as well as Corporate Treasury investmentactivities 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-MarketBanking (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. TheReconciling 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. 2Q26 Increase/ (Decrease) from 4 ~PAGE-BREAK~ SERVICES(In millions of dollars, except as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Net interest income (including dividends) 3,630 $ 3,823 $ 4,050 $ 4,143 $ 4,291 $ 4% 18% 7,128 $ 8,434 $ 18% Fee revenue Commissions and fees 904 880 879 909 924 2% 2% 1,719 1,833 7% Administration and other fiduciary fees 752 746 751 763 889 17% 18% 1,410 1,652 17% Total fee revenue 1,656 1,626 1,630 1,672 1,813 8% 9% 3,129 3,485 11% Principal transactions 124 190 257 263 264 - 113% 357 527 48% All other 20 91 335 25 14 (44%) (30%) 20 39 95% Total non-interest revenue 1,800 1,907 2,222 1,960 2,091 7% 16% 3,506 4,051 16% Total revenues, net of interest expense 5,430 5,730 6,272 6,103 6,382 5% 18% 10,634 12,485 17% Total operating expenses 2,679 2,707 2,843 2,935 2,803 (4%) 5% 5,263 5,738 9% Net credit losses (recoveries) on loans 20 11 19 3 5 67% (75%) 26 8 (69%) Credit reserve build (release) for loans 53 (4) (18) 97 46 (53%) (13%) 77 143 86% Provision (release) for credit losses on unfunded lending commitments (6) (8) 3 (11) - 100% 100% (12) (11) 8% Provisions for credit losses for other assets and HTM debt securities 286 62 (15) 5 7 40% (98%) 313 12 (96%) Provision for credit losses 353 61 (11) 94 58 (38%) (84%) 404 152 (62%) Income from continuing operations before taxes 2,398 2,962 3,440 3,074 3,521 15% 47% 4,967 6,595 33% Income taxes 670 864 928 832 924 11% 38% 1,390 1,756 26% Income from continuing operations 1,728 2,098 2,512 2,242 2,597 16% 50% 3,577 4,839 35% Noncontrolling interests 16 17 16 14 13 (7%) (19%) 31 27 (13%) Net income 1,712 $ 2,081 $ 2,496 $ 2,228 $ 2,584 $ 16% 51% 3,546 $ 4,812 $ 36% EOP assets (in billions) 618 $ 627 $ 628 $ 649 $ 645 $ (1%) 4% Average assets (in billions) 593 616 630 637 659 3% 11% 586 $ 648 $ 11% Efficiency ratio 49% 47% 45% 48% 44% (400) bps (500) bps 49% 46% (300) bps Average allocated TCE (in billions) 33.0 $ 33.0 $ 33.0 $ 33.5 $ 33.5 $ - 2% 33.0 $ 33.5 $ 2% RoTCE 20.8% 25.0% 30.0% 27.0% 30.9% 390 bps 1,010 bps 21.7% 29.0% 730 bps Revenue by line of businessNet interest income 2,949 $ 3,121 $ 3,303 $ 3,424 $ 3,541 $ 3% 20% 5,814 $ 6,965 $ 20% Non-interest revenue 1,063 1,099 1,182 1,192 1,198 1% 13% 2,127 2,390 12% Treasury and Trade Solutions (TTS) 4,012 4,220 4,485 4,616 4,739 3% 18% 7,941 9,355 18% Net interest income 681 702 747 719 750 4% 10% 1,314 1,469 12% Non-interest revenue 737 808 1,040 768 893 16% 21% 1,379 1,661 20% Securities Services 1,418 1,510 1,787 1,487 1,643 10% 16% 2,693 3,130 16% Total Services 5,430 $ 5,730 $ 6,272 $ 6,103 $ 6,382 $ 5% 18% 10,634 $ 12,485 $ 17% Revenue by managed geographyNorth America 1,660 $ 1,759 $ 1,939 $ 1,976 $ 2,126 $ 8% 28% 3,209 $ 4,102 $ 28% International 3,770 3,971 4,333 4,127 4,256 3% 13% 7,425 8,383 13% Total 5,430 $ 5,730 $ 6,272 $ 6,103 $ 6,382 $ 5% 18% 10,634 $ 12,485 $ 17% Key drivers (in billions of dollars, except as otherwise noted)Average loans by line of businessTTS 93 $ 93 $ 95 $ 97 $ 101 $ 4% 9% 90 $ 99 $ 10% Securities Services 1 1 1 2 2 - 100% 1 2 100% Total 94 $ 94 $ 96 $ 99 $ 103 $ 4% 10% 91 $ 101 $ 11% ACLL as a % of EOP loans 0.36% 0.35% 0.33% 0.42% 0.44% 2 bps 8 bps NCLs as a % of average loans 0.09% 0.05% 0.08% 0.01% 0.02% 1 bps (7) bps 0.06% 0.02% (4) bps Average deposits by line of businessTTS 713 $ 744 $ 780 $ 812 $ 852 $ 5% 19% 702 $ 832 $ 19% Securities Services 144 149 155 149 165 11% 15% 140 157 12% Total 857 $ 893 $ 935 $ 961 $ 1,017 $ 6% 19% 842 $ 989 $ 17% AUC/AUA (in trillions of dollars) 28.2 $ 29.7 $ 31.4 $ 31.6 $ 34.5 $ 9% 22% Cross-border transaction value 101.3 $ 104.8 $ 115.2 $ 106.3 $ 114.6 $ 8% 13% 196.4 $ 220.9 $ 12% U.S. dollar clearing volume (in millions) 44.3 44.8 45.3 43.9 46.3 5% 5% 87.0 90.2 4% Commercial card spend volume 17.9 $ 18.4 $ 17.7 $ 18.6 $ 20.1 $ 8% 12% 35.1 $ 38.7 $ 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 TCEto 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)June 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. 2Q26 Increase/ (Decrease) from 5 ~PAGE-BREAK~ MARKETS(In millions of dollars, except as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Net interest income (including dividends) 2,824 $ 2,178 $ 2,761 $ 2,797 $ 4,002 $ 43% 42% 4,748 $ 6,799 $ 43% Fee revenueBrokerage and fees 399 400 364 478 469 (2%) 18% 799 947 19% Investment banking fees 106 163 120 120 143 19% 35% 241 263 9% Other 51 63 57 55 54 (2%) 6% 103 109 6% Total fee revenue 556 626 541 653 666 2% 20% 1,143 1,319 15% Principal transactions 2,302 2,737 1,155 3,542 2,088 (41%) (9%) 5,587 5,630 1% All other 298 204 152 254 251 (1%) (16%) 577 505 (12%) Total non-interest revenue 3,156 3,567 1,848 4,449 3,005 (32%) (5%) 7,307 7,454 2% Total revenues, net of interest expense 5,980 5,745 4,609 7,246 7,007 (3%) 17% 12,055 14,253 18% Total operating expenses 3,508 3,490 3,608 3,835 3,784 (1%) 8% 6,974 7,619 9% Net credit losses (recoveries) on loans 8 68 (12) (3) (10) (233%) NM 150 (13) NM Credit reserve build (release) for loans 53 (44) (73) 23 71 209% 34% 101 94 (7%) Provision (release) for credit losses on unfunded lending commitments (8) 13 (7) (23) 56 NM NM 1 33 NM Provisions for credit losses for other assets and HTM debt securities 55 (5) (12) (12) (8) 33% NM 57 (20) NM Provision for credit losses 108 32 (104) (15) 109 NM 1% 309 94 (70%) Income (loss) from continuing operations before taxes 2,364 2,223 1,105 3,426 3,114 (9%) 32% 4,772 6,540 37% Income taxes (benefits) 540 500 249 797 710 (11%) 31% 1,086 1,507 39% Income (loss) from continuing operations 1,824 1,723 856 2,629 2,404 (9%) 32% 3,686 5,033 37% Noncontrolling interests 21 21 18 34 17 (50%) (19%) 34 51 50% Net income (loss) 1,803 $ 1,702 $ 838 $ 2,595 $ 2,387 $ (8%) 32% 3,652 $ 4,982 $ 36% EOP assets (in billions) 1,164 $ 1,179 $ 1,185 $ 1,280 $ 1,363 $ 6% 17% Average assets (in billions) 1,219 1,229 1,247 1,325 1,406 6% 15% 1,169 $ 1,366 $ 17% Efficiency ratio 59% 61% 78% 53% 54% 100 bps (500) bps 58% 53% (500) bps Average allocated TCE (in billions) 53.5 $ 53.5 $ 53.5 $ 56.4 $ 56.4 $ - 5% 53.5 $ 56.4 $ 5% RoTCE 13.5% 12.6% 6.2% 18.7% 17.0% (170) bps 350 bps 13.8% 17.8% 400 bps Revenue by line of businessFixed Income Markets 4,388 $ 4,225 $ 3,554 $ 5,166 $ 4,706 $ (9%) 7% 8,966 $ 9,872 $ 10% Equity Markets 1,592 1,520 1,055 2,080 2,301 11% 45% 3,089 4,381 42% Total 5,980 $ 5,745 $ 4,609 $ 7,246 $ 7,007 $ (3%) 17% 12,055 $ 14,253 $ 18% Rates and Currencies 3,221 $ 2,963 $ 2,449 $ 3,311 $ 3,247 $ (2%) 1% 6,337 $ 6,558 $ 3% Spread Products / Other Fixed Income 1,167 1,262 1,105 1,855 1,459 (21%) 25% 2,629 3,314 26% Total Fixed Income Markets revenues 4,388 $ 4,225 $ 3,554 $ 5,166 $ 4,706 $ (9%) 7% 8,966 $ 9,872 $ 10% Revenue by managed geographyNorth America 2,124 $ 2,270 $ 1,826 $ 2,559 $ 2,561 $ - 21% 4,293 $ 5,120 $ 19% International 3,856 3,475 2,783 4,687 4,446 (5%) 15% 7,762 9,133 18% Total 5,980 $ 5,745 $ 4,609 $ 7,246 $ 7,007 $ (3%) 17% 12,055 $ 14,253 $ 18% Key drivers (in billions of dollars)Average loans 136 $ 147 $ 152 $ 162 $ 176 $ 9% 29% 132 $ 169 $ 28% NCLs (annualized) as a % of average loans 0.02% 0.18% (0.03%) (0.01%) (0.02%) (1) bps (4) bps 0.23% (0.02%) (25) bps ACLL as a % of EOP loans 0.85% 0.78% 0.67% 0.67% 0.64% (3) bps (21) bps Average trading account assets 547 $ 555 $ 556 $ 573 $ 603 $ 5% 10% 511 $ 588 $ 15% (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 TCEto 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. 2Q26 Increase/ (Decrease) from 6 ~PAGE-BREAK~ BANKING(In millions of dollars, except as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Net interest income (including dividends) 530 $ 562 $ 549 $ 587 $ 560 $ (5%) 6% 1,021 $ 1,147 $ 12% Fee revenue Investment banking fees 1,058 1,169 1,287 1,232 1,492 21% 41% 2,162 2,724 26% Other 59 65 60 64 57 (11%) (3%) 108 121 12% Total fee revenue 1,117 1,234 1,347 1,296 1,549 20% 39% 2,270 2,845 25% Principal transactions (179) (164) (119) (38) (147) (287%) 18% (269) (185) 31% All other (34) 15 (4) (78) (40) 49% (18%) (58) (118) (103%) Total non-interest revenue 904 1,085 1,224 1,180 1,362 15% 51% 1,943 2,542 31% Total revenues, net of interest expense 1,434 1,647 1,773 1,767 1,922 9% 34% 2,964 3,689 24% Total operating expenses 1,137 1,139 1,152 1,240 1,212 (2%) 7% 2,171 2,452 13% Net credit losses on loans 16 9 25 6 138 NM NM 50 144 188% Credit reserve build (release) for loans 137 38 136 175 (19) NM NM 215 156 (27%) Provision (release) for credit losses on unfunded lending commitments 2 98 14 (51) 119 NM NM 109 68 (38%) Provisions for credit losses for other assets and HTM debt securities 18 12 1 2 4 100% (78%) 13 6 (54%) Provision for credit losses 173 157 176 132 242 83% 40% 387 374 (3%) Income (loss) from continuing operations before taxes 124 351 445 395 468 18% 277% 406 863 113% Income taxes (benefits) 33 84 90 91 117 29% 255% 93 208 124% Income (loss) from continuing operations 91 267 355 304 351 15% 286% 313 655 109% Noncontrolling interests (2) (3) 1 - 1 NM NM (3) 1 NM Net income (loss) 93 $ 270 $ 354 $ 304 $ 350 $ 15% 276% 316 $ 654 $ 107% EOP assets (in billions) 148 $ 141 $ 140 $ 154 $ 145 $ (6%) (2%) Average assets (in billions) 150 149 146 154 160 4% 7% 147 $ 157 $ 7% Efficiency ratio 79% 69% 65% 70% 63% (700) bps (1,600) bps 73% 66% (700) bps Average allocated TCE (in billions) 9.2 $ 9.2 $ 9.2 $ 7.8 $ 7.8 $ - (15%) 9.2 $ 7.8 $ (15%) RoTCE 4.1% 11.6% 15.3% 15.8% 18.0% 220 bps 1,390 bps 6.9% 16.9% 1,000 bps Revenue by line of businessInvestment Banking 1,073 $ 1,238 $ 1,356 $ 1,326 $ 1,548 $ 17% 44% 2,187 $ 2,874 $ 31% Corporate Lending (excluding gain (loss) on loan hedges) 423 453 443 391 406 4% (4%) 825 797 (3%) Total Banking revenues (ex-gain (loss) on loan hedges) 1,496 1,691 1,799 1,717 1,954 14% 31% 3,012 3,671 22% Gain (loss) on loan hedges (62) (44) (26) 50 (32) NM 48% (48) 18 NM Total Banking revenues including gain (loss) on loan hedges 1,434 $ 1,647 $ 1,773 $ 1,767 $ 1,922 $ 9% 34% 2,964 $ 3,689 $ 24% Business metrics—investment banking revenues Advisory 407 $ 425 $ 649 $ 505 $ 390 $ (23%) (4%) 833 $ 895 $ 7% Equity underwriting (Equity Capital Markets (ECM)) 222 194 219 257 426 66% 92% 357 683 91% Debt underwriting (Debt Capital Markets (DCM)) 444 619 488 564 732 30% 65% 997 1,296 30% Total 1,073 $ 1,238 $ 1,356 $ 1,326 $ 1,548 $ 17% 44% 2,187 $ 2,874 $ 31% Revenue by managed geographyNorth America 648 $ 862 $ 1,023 $ 1,109 $ 1,087 $ (2%) 68% 1,522 $ 2,196 $ 44% International 786 785 750 658 835 27% 6% 1,442 1,493 4% Total 1,434 $ 1,647 $ 1,773 $ 1,767 $ 1,922 $ 9% 34% 2,964 $ 3,689 $ 24% Key drivers (in billions of dollars)Average loans 84 $ 81 $ 79 $ 83 $ 88 $ 6% 5% 83 $ 86 $ 4% NCLs (annualized) as a % of average loans 0.08% 0.04% 0.13% 0.03% 0.63% 60 bps 55 bps 0.12% 0.34% 22 bps ACLL as a % of EOP loans 1.72% 1.83% 2.04% 2.06% 2.16% 10 bps 44 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 TCEto 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) onloan 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. Hedgeson accrual loans reflect the mark-to-market on credit derivatives used to economically hedge the corporate loan accrual portfolio. The fixed premium costs of thesehedges are netted against the corporate lending revenues to reflect the cost of credit protection. Citigroup’s results of operations excluding the impact ofgain (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, otherfee revenue, principal transactions, and net interest income from loans generated from investment banking business activities. Prior-period amounts have beenconformed to reflect this change in presentation. Citi believes investment banking revenues provides investors with a more comprehensive measure of investmentbanking 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. 2Q26 Increase/ (Decrease) from 7 ~PAGE-BREAK~ WEALTH(In millions of dollars, except as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Net interest income 1,831 $ 1,902 $ 2,018 $ 2,095 $ 2,155 $ 3% 18% 3,662 $ 4,250 $ 16% Fee revenueCommissions and fees 454 494 465 543 587 8% 29% 938 1,130 20% Other 246 232 238 207 206 - (16%) 493 413 (16%) Total fee revenue 700 726 703 750 793 6% 13% 1,431 1,543 8% All other 283 211 141 220 229 4% (19%) 478 449 (6%) Total non-interest revenue 983 937 844 970 1,022 5% 4% 1,909 1,992 4% Total revenues, net of interest expense 2,814 2,839 2,862 3,065 3,177 4% 13% 5,571 6,242 12% Total operating expenses 2,313 2,375 2,377 2,415 2,377 (2%) 3% 4,703 4,792 2% Net credit losses on loans 73 91 80 88 57 (35%) (22%) 140 145 4% Credit reserve build (release) for loans (65) (16) 6 13 - (100%) 100% (1) 13 NM Provision (release) for credit losses on unfunded lending commitments (1) (1) 1 - 2 NM NM (2) 2 NM Provisions for benefits and claims (PBC), and other assets - (1) - - - - - (4) - 100% Provisions for credit losses and for PBC 7 73 87 101 59 (42%) NM 133 160 20% Income from continuing operations before taxes 494 391 398 549 741 35% 50% 735 1,290 76% Income taxes 109 88 99 117 158 35% 45% 159 275 73% Income from continuing operations 385 303 299 432 583 35% 51% 576 1,015 76% Noncontrolling interests - - - - - - - - - - Net income 385 $ 303 $ 299 $ 432 $ 583 $ 35% 51% 576 $ 1,015 $ 76% EOP assets (in billions) 308 $ 313 $ 316 $ 320 $ 321 $ - 4% Average assets (in billions) 305 315 325 321 324 1% 6% 303 $ 323 $ 7% Efficiency ratio 82% 84% 83% 79% 75% (400) bps (700) bps 84% 77% (700) bps Average allocated TCE (in billions) 15.4 $ 15.4 $ 15.4 $ 16.2 $ 16.2 $ - 5% 15.4 $ 16.2 $ 5% RoTCE 10.0% 7.8% 7.7% 10.8% 14.4% 360 bps 440 bps 7.5% 12.6% 510 bps Revenue by line of businessCitigold and Retail Banking 1,862 $ 1,969 $ 2,010 $ 2,062 $ 2,181 $ 6% 17% 3,687 $ 4,243 $ 15% Private Bank 731 656 625 757 769 2% 5% 1,395 1,526 9% Wealth at Work 221 214 227 246 227 (8%) 3% 489 473 (3%) Total 2,814 $ 2,839 $ 2,862 $ 3,065 $ 3,177 $ 4% 13% 5,571 $ 6,242 $ 12% Revenue by managed geographyNorth America 1,729 $ 1,741 $ 1,825 $ 1,893 $ 1,977 $ 4% 14% 3,463 $ 3,870 $ 12% International 1,085 1,098 1,037 1,172 1,200 2% 11% 2,108 2,372 13% Total 2,814 $ 2,839 $ 2,862 $ 3,065 $ 3,177 $ 4% 13% 5,571 $ 6,242 $ 12% Key drivers (in billions of dollars) EOP client balancesClient investment assets 635 $ 660 $ 670 $ 676 $ 727 $ 8% 14% Deposits 400 408 413 418 415 (1%) 4% Loans 200 202 204 205 208 2% 4% Total 1,235 $ 1,270 $ 1,287 $ 1,299 $ 1,350 $ 4% 9% Net new investment assets (NNIA) 2.0 $ 18.6 $ 7.2 $ 14.7 $ 15.7 $ 7% NM 18.5 $ 30.4 $ 64% Average deposits 398 405 407 414 415 - 4% 399 415 4% Average loans 197 201 203 205 206 - 5% 196 206 5% ACLL as a % of EOP loans 0.34% 0.33% 0.33% 0.33% 0.33% 0 bps (1) bps NCLs (annualized) as a % of average loans 0.15% 0.18% 0.16% 0.17% 0.11% (6) bps (4) bps 0.14% 0.14% 0 bps U.S. Retail Banking branches (actual) 650 653 655 655 655 - 1% (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 TCEto 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)June 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. 2Q26 Increase/ (Decrease) from 8 ~PAGE-BREAK~ U.S. CONSUMER CARDS (USCC)(In millions of dollars, except as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Net interest income 4,918 $ 5,124 $ 5,143 $ 5,116 $ 5,180 $ 1% 5% 9,902 $ 10,296 $ 4% Fee revenueInterchange fees 2,459 2,448 2,526 2,404 2,740 14% 11% 4,744 5,144 8% Card rewards and partner payments (3,008) (3,031) (3,215) (2,897) (3,563) (23%) (18%) (5,829) (6,460) (11%) Other 103 114 114 112 160 43% 55% 199 272 37% Total fee revenue (446) (469) (575) (381) (663) (74%) (49%) (886) (1,044) (18%) All other (1) 1 (4) 22 4 (82%) NM 22 26 18% Total non-interest revenue (447) (468) (579) (359) (659) (84%) (47%) (864) (1,018) (18%) Total revenues, net of interest expense 4,471 4,656 4,564 4,757 4,521 (5%) 1% 9,038 9,278 3% Total operating expenses 1,626 1,644 1,794 1,711 1,794 5% 10% 3,317 3,505 6% Net credit losses on loans 1,856 1,741 1,739 1,742 1,850 6% - 3,810 3,592 (6%) Credit reserve build (release) for loans (5) 55 (117) 76 40 (47%) NM (179) 116 NM Provision (release) for credit losses on unfunded lending commit. - - - 272 (272) NM NM - - - Provisions for benefits and claims (PBC), and other assets 1 3 2 2 - (100%) (100%) 4 2 (50%) Provisions for credit losses and for PBC 1,852 1,799 1,624 2,092 1,618 (23%) (13%) 3,635 3,710 2% Income from continuing operations before taxes 993 1,213 1,146 954 1,109 16% 12% 2,086 2,063 (1%) Income taxes 235 284 262 222 257 16% 9% 490 479 (2%) Income from continuing operations 758 929 884 732 852 16% 12% 1,596 1,584 (1%) Noncontrolling interests - - - - - - - - - - Net income 758 $ 929 $ 884 $ 732 $ 852 $ 16% 12% 1,596 $ 1,584 $ (1%) EOP assets (in billions) 171 $ 171 $ 178 $ 171 $ 182 $ 6% 6% Average assets (in billions) 168 171 173 172 178 3% 6% 169 $ 175 $ 4% Efficiency ratio 36% 35% 39% 36% 40% 400 bps 400 bps 37% 38% 100 bps Average allocated TCE (in billions) 20.3 $ 20.3 $ 20.3 $ 15.5 $ 15.5 $ - (24%) 20.3 $ 15.5 $ (24%) RoTCE 15.0% 18.2% 17.3% 19.2% 22.0% 280 bps 700 bps 15.9% 20.6% 470 bps Key drivers (in billions)Average loans 168 $ 171 $ 172 $ 171 $ 177 $ 4% 5% 168 $ 174 $ 4% ACLL as a % of EOP loans 8.08% 8.09% 7.74% 8.09% 7.68% (41) bps (40) bps NCLs (annualized) as a % of average loans 4.43% 4.05% 4.00% 4.12% 4.19% 7 bps (24) bps 4.57% 4.16% (41) bps Revenue rate 10.67% 10.80% 10.53% 11.28% 10.25% (103) bps (42) bps 10.85% 10.75% (10) bps NII (annualized) as a % of average loans 11.74% 11.89% 11.86% 12.13% 11.74% (39) bps 0 bps 11.89% 11.93% 4 bps (1)Primarily includes credit card-related fees.(2)Primarily related to revenue incentives from card networks.(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 unfundedlending commitments in 2Q26 and re-established as a reserve for the loans that were acquired.(4)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 TCEto Citigroup's total average TCE and Citi's total average stockholders' equity.(5)Management uses this information in reviewing the segment’s results and believes it is useful to investors concerning underlying segment performance and trends.(6)Total revenues, net of interest expense (annualized) as a % of average loans.(7)Net interest income includes certain fees that are recorded as interest revenue. NM Not meaningful. Reclassified to conform to the current period's presentation. 2Q26 Increase/ (Decrease) from 9 ~PAGE-BREAK~ USCCMetrics 2Q 3Q 4Q 1Q 2Q Key drivers (in billions of dollars, except as otherwise noted) 2025 2025 2025 2026 2026 1Q26 2Q25 New credit cards account acquisitions (in thousands)General Purpose Credit Cards (GPCC) 1,704 1,872 2,115 1,899 4,004 111% 135% Private Label Credit Cards (PLCC) 1,551 1,339 1,572 1,043 1,372 32% (12%) Credit card spend volumeGPCC 144.8 $ 144.5 $ 152.4 $ 141.5 $ 162.3 $ 15% 12% PLCC 13.9 12.6 13.9 10.5 13.2 26% (5%) Average loans GPCC 134.4 $ 136.8 $ 138.6 $ 138.6 $ 144.9 $ 5% 8% PLCC 30.1 30.0 29.8 28.9 28.3 (2%) (6%) Installment Lending 3.7 3.7 3.9 3.8 3.8 - 3% EOP loans GPCC 136.8 $ 137.7 $ 143.2 $ 138.7 $ 149.2 $ 8% 9% PLCC 30.4 29.8 30.5 28.3 28.4 - (7%) Installment Lending 3.7 3.8 3.8 3.8 3.8 - 3% NCLs as a % of average loansGPCC 4.20% 3.85% 3.78% 3.87% 4.01% 14 bps (19) bps PLCC 5.18% 4.67% 4.77% 5.05% 4.79% (26) bps (39) bps Installment Lending 6.29% 6.43% 6.00% 6.19% 6.54% 35 bps 25 bps Loans 90+ days past due as a % of EOP loansGPCC 1.30% 1.27% 1.32% 1.39% 1.21% (18) bps (9) bps PLCC 2.00% 2.08% 2.13% 2.15% 1.92% (23) bps (8) bps Installment Lending 0.57% 0.58% 0.58% 0.55% 0.53% (2) bps (4) bps Loans 30-89 days past due as a % of EOP loansGPCC 1.12% 1.21% 1.23% 1.20% 1.17% (3) bps 5 bps PLCC 1.89% 2.07% 1.99% 1.98% 1.84% (14) bps (5) bps Installment Lending 1.35% 1.26% 1.37% 1.42% 1.24% (18) bps (11) 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)On April 24, 2026, Citi completed the acquisition of the $6.6 billion additional American Airlines co-branded card portfolio.(3)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.(4)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. (5)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. 2Q26 Increase/ (Decrease) from 10 ~PAGE-BREAK~ ALL OTHER—MANAGED BASIS (In millions of dollars, except as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Net interest income 1,442 $ 1,351 $ 1,144 $ 1,003 $ 937 $ (7%) (35%) 2,726 $ 1,940 $ (29%) Non-interest revenue 274 120 (1,352) 679 800 18% 192% 453 1,479 226% Total revenues, net of interest expense 1,716 1,471 (208) 1,682 1,737 3% 1% 3,179 3,419 8% Total operating expenses 2,277 2,169 2,026 2,144 2,220 4% (3%) 4,503 4,364 (3%) Net credit losses on loans 256 297 341 371 366 (1%) 43% 512 737 44% Credit reserve build (release) for loans 70 16 75 13 61 369% (13%) 143 74 (48%) Provision (release) for credit losses on unfunded lending commitments (6) (6) 2 (3) (2) 33% 67% (7) (5) 29% Provisions for benefits and claims (PBC), other assets and HTM debt securities 54 24 31 19 13 (32%) (76%) 85 32 (62%) Provisions for credit losses and for PBC 374 331 449 400 438 10% 17% 733 838 14% Income (loss) from continuing operations before taxes (935) (1,029) (2,683) (862) (921) (7%) 1% (2,057) (1,783) 13% Income taxes (benefits) (362) (277) (410) (474) (160) 66% 56% (645) (634) 2% Income (loss) from continuing operations (573) (752) (2,273) (388) (761) (96%) (33%) (1,412) (1,149) 19% Income (loss) from discontinued operations, net of taxes - (1) (1) (1) - 100% - (1) (1) - Noncontrolling interests (21) 3 16 105 162 54% NM (5) 267 NM Net income (loss) (552) $ (756) $ (2,290) $ (494) $ (923) $ (87%) (67%) (1,408) $ (1,417) $ (1%) EOP assets (in billions) 214 $ 211 $ 210 $ 204 $ 239 $ 17% 12% Average assets (in billions) 213 209 202 208 209 - (2%) 209 $ 207 $ (1%) Efficiency ratio 133% 147% (974%) 127% 128% NM NM 142% 128% NM Average allocated TCE (in billions) 40.7 $ 40.9 $ 39.0 $ 39.8 $ 39.7 $ - (2%) 39.3 $ 39.8 $ 1% Revenue by line of businessMexico Consumer/SBMM 1,536 $ 1,722 $ 1,775 $ 2,054 $ 1,991 $ (3%) 30% 3,003 $ 4,045 $ 35% Asia Consumer 155 149 (1,434) 105 77 (27%) (50%) 290 182 (37%) Legacy Holdings Assets (LHA) - - (12) 2 (15) NM NM 19 (13) NM Corporate/Other 25 (400) (537) (479) (316) 34% NM (133) (795) (498%) Total 1,716 $ 1,471 $ (208) $ 1,682 $ 1,737 $ 3% 1% 3,179 $ 3,419 $ 8% Mexico Consumer/SBMM—key indicators (in billions of dollars)EOP loans 26.8 $ 28.5 $ 30.0 $ 30.6 $ 32.0 $ 5% 19% EOP deposits 38.4 40.6 43.8 43.8 46.0 5% 20% Average loans 25.5 27.2 29.2 30.7 31.7 3% 24% NCLs as a % of average loans (Mexico Consumer only) 5.28% 5.46% 5.91% 6.37% 6.13% (24) bps 85 bps Loans 90+ days past due as a % of EOP loans (Mexico Consumer only) 1.58% 1.60% 1.72% 1.71% 1.79% 8 bps 21 bps Loans 30-89 days past due as a % of EOP loans (Mexico Consumer only) 1.52% 1.58% 1.59% 1.64% 1.59% (5) bps 7 bps Asia Consumer—key indicators (in billions of dollars) EOP loans 3.0 $ 2.7 $ 2.5 $ 2.2 $ 2.1 $ (5%) (30%) EOP deposits 1.5 1.3 1.1 0.9 0.8 (11%) (47%) Average loans 4.0 2.8 2.6 2.4 2.2 (8%) (45%) Legacy Holdings Assets—key indicators (in billions of dollars)EOP loans 2.1 $ 1.8 $ 1.8 $ 1.7 $ 1.1 $ (35%) (48%) (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.(12)Asia Consumer also includes loans and deposits in Poland (through 1Q25).(13)The key indicators for Asia Consumer also reflect the reclassification of loans and deposits to Other assets and Other liabilities under HFS accountingon Citi’s Consolidated Balance Sheet beginning in 2Q25. NM Not meaningful. Reclassified to conform to the current period's presentation. 2Q26 Increase/ (Decrease) from 11 ~PAGE-BREAK~ ALL OTHER—MANAGED BASIS Legacy Franchises (In millions of dollars, except as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Net interest income 1,271 $ 1,338 $ 1,379 $ 1,479 $ 1,484 $ - 17% 2,438 $ 2,963 $ 22% Non-interest revenue 420 533 (1,050) 682 569 (17%) 35% 874 1,251 43% Total revenues, net of interest expense 1,691 1,871 329 2,161 2,053 (5%) 21% 3,312 4,214 27% Total operating expenses 1,287 1,320 1,222 1,324 1,243 (6%) (3%) 2,621 2,567 (2%) Net credit losses on loans 256 297 341 371 366 (1%) 43% 512 737 44% Credit reserve build (release) for loans 70 16 75 13 61 369% (13%) 143 74 (48%) Provision (release) for credit losses on unfunded lending commitments (6) (6) 2 (3) (2) 33% 67% (7) (5) 29% Provisions for benefits and claims (PBC), other assets and HTM debt securities 51 20 29 28 15 (46%) (71%) 81 43 (47%) Provisions for credit losses and for PBC 371 327 447 409 440 8% 19% 729 849 16% Income (loss) from continuing operations before taxes 33 224 (1,340) 428 370 (14%) NM (38) 798 NM Income taxes (benefits) (5) 66 147 137 120 (12%) NM (30) 257 NM Income (loss) from continuing operations 38 158 (1,487) 291 250 (14%) NM (8) 541 NM Noncontrolling interests (22) 3 9 114 159 39% NM (8) 273 NM Net income (loss) 60 $ 155 $ (1,496) $ 177 $ 91 $ (49%) 52% - $ 268 $ NM EOP assets (in billions) 83 $ 86 $ 86 $ 87 $ 87 $ - 5% Average assets (in billions) 81 85 87 88 90 2% 11% 79 $ 89 $ 13% Efficiency ratio 76% 71% 371% 61% 61% NM NM 79% 61% NM Average allocated TCE (in billions) 5.1 $ 5.1 $ 5.1 $ 5.7 $ 5.7 $ - 12% 5.1 $ 5.7 $ 12% Revenue by line of businessMexico Consumer/SBMM 1,536 $ 1,722 $ 1,775 $ 2,054 $ 1,991 $ (3%) 30% 3,003 $ 4,045 $ 35% Asia Consumer 155 149 (1,434) 105 77 (27%) (50%) 290 182 (37%) Legacy Holdings Assets (LHA) - - (12) 2 (15) NM NM 19 (13) NM Total 1,691 $ 1,871 $ 329 $ 2,161 $ 2,053 $ (5%) 21% 3,312 $ 4,214 $ 27% Mexico Consumer/SBMM —key indicators (in billions of dollars)EOP loans 26.8 $ 28.5 $ 30.0 $ 30.6 $ 32.0 $ 5% 19% EOP deposits 38.4 40.6 43.8 43.8 46.0 5% 20% Average loans 25.5 27.2 29.2 30.7 31.7 3% 24% NCLs as a % of average loans (Mexico Consumer only) 5.28% 5.46% 5.91% 6.37% 6.13% (24) bps 85 bps Loans 90+ days past due as a % of EOP loans (Mexico Consumer only) 1.58% 1.60% 1.72% 1.71% 1.79% 8 bps 21 bps Loans 30-89 days past due as a % of EOP loans (Mexico Consumer only) 1.52% 1.58% 1.59% 1.64% 1.59% (5) bps 7 bps Asia Consumer—key indicators (in billions of dollars) EOP loans 3.0 $ 2.7 $ 2.5 $ 2.2 $ 2.1 $ (5%) (30%) EOP deposits 1.5 1.3 1.1 0.9 0.8 (11%) (47%) Average loans 4.0 2.8 2.6 2.4 2.2 (8%) (45%) Legacy Holdings Assets—key indicators (in billions of dollars)EOP loans 2.1 $ 1.8 $ 1.8 $ 1.7 $ 1.1 $ (35%) (48%) (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 aretherefore 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); MexicoConsumer/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, Citigroup's U.K. consumer banking business and other legacy assets).(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.(12)Asia Consumer also includes loans and deposits in Poland (through 1Q25).(13)The key indicators for Asia Consumer also reflect the reclassification of loans and deposits to Other assets and Other liabilities under HFS accountingon Citi’s Consolidated Balance Sheet beginning in 2Q25. NM Not meaningful. Reclassified to conform to the current period's presentation. 2Q26 Increase/ (Decrease) from 12 ~PAGE-BREAK~ ALL OTHER Corporate/Other (In millions of dollars, except as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Net interest income 171 $ 13 $ (235) $ (476) $ (547) $ (15%) NM 288 $ (1,023) $ NM Non-interest revenue (146) (413) (302) (3) 231 NM NM (421) 228 NM Total revenues, net of interest expense 25 (400) (537) (479) (316) 34% NM (133) (795) (498%) Total operating expenses 990 849 804 820 977 19% (1%) 1,882 1,797 (5%) Provisions for other assets, HTM debt securities and other 3 4 2 (9) (2) 78% NM 4 (11) NM Income (loss) from continuing operations before taxes (968) (1,253) (1,343) (1,290) (1,291) - (33%) (2,019) (2,581) (28%) Income taxes (benefits) (357) (343) (557) (611) (280) 54% 22% (615) (891) (45%) Income (loss) from continuing operations (611) (910) (786) (679) (1,011) (49%) (65%) (1,404) (1,690) (20%) Income (loss) from discontinued operations, net of taxes - (1) (1) (1) - 100% - (1) (1) - Noncontrolling interests 1 - 7 (9) 3 NM 200% 3 (6) NM Net income (loss) (612) $ (911) $ (794) $ (671) $ (1,014) $ (51%) (66%) (1,408) $ (1,685) $ (20%) EOP assets (in billions) 131 $ 125 $ 124 $ 117 $ 152 $ 30% 16% Average allocated TCE (in billions) 35.6 35.8 33.9 34.1 34.0 - (4%) 34.2 $ 34.1 $ - (1)Includes certain unallocated costs of global staff functions (including finance, risk, human resources, legal and compliance-related costs), other corporate expenses andunallocated 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. 2Q26 Increase/ (Decrease) from 13 ~PAGE-BREAK~ ALL OTHER Divestiture-Related Impacts(Reconciling Items) (In millions of dollars, except as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Net interest income - $ - $ - $ - $ - $ - - - $ - $ - Non-interest revenue (177) 2 (1) 13 20 54% NM (177) 33 NM Total revenues, net of interest expense (177) 2 (1) 13 20 54% NM (177) 33 NM Total operating expenses 37 766 40 31 25 (19%) (32%) 71 56 (21%) Net credit losses on loans 5 (3) (2) 1 (2) NM NM 5 (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 5 (3) (1) 1 (2) NM NM (6) (1) 83% Income (loss) from continuing operations before taxes (219) (761) (40) (19) (3) 84% 99% (242) (22) 91% Income taxes (benefits) (39) 16 70 (7) (1) 86% 97% (47) (8) 83% Income (loss) from continuing operations (180) (777) (110) (12) (2) 83% 99% (195) (14) 93% Income (loss) from discontinued operations, net of taxes - - - - - - - - - - Noncontrolling interests - - - - - - - - - - Net income (loss) (180) $ (777) $ (110) $ (12) $ (2) $ 83% 99% (195) $ (14) $ 93% (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 managedbasis. The Reconciling Items are fully reflected in Citi's Consolidated Statement of Income on page 2 for each respective line item. (2)2Q25 includes (i) an approximate $186 million loss recorded in revenue (approximately $157 million after-tax) related to the announced sale of the Polandconsumer banking business; and (ii) approximately $37 million in operating expenses (approximately $26 million after-tax) primarily related toseparation costs in Mexico. For additional information, see Citi's Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2025.(3)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 September30, 2025.(4)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.(5)1Q26 includes approximately $31 million in operating expenses (approximately $23 million after-tax), primarily related to separation costs in Mexico. For additionalinformation, see Citi's Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2026.(6)2Q26 includes approximately $25 million in operating expenses (approximately $18 million after-tax), primarily related to separation costs in Mexico. NM Not meaningful. Reclassified to conform to the current period's presentation. 2Q26 Increase/ (Decrease) from 14 ~PAGE-BREAK~ AVERAGE BALANCES AND INTEREST RATES Taxable Equivalent Basis(In millions of dollars, except as otherwise noted) 2Q25 1Q26 2Q26 2Q25 1Q26 2Q26 2Q25 1Q26 2Q26 AssetsDeposits with banks 298,158 $ 344,971 $ 359,133 $ 3,043 $ 3,194 $ 3,375 $ 4.09% 3.75% 3.77% Securities borrowed and purchased under resale agreements 375,205 394,172 440,589 6,621 6,681 6,852 7.08% 6.87% 6.24% Trading account assets 506,877 535,116 559,737 5,821 4,897 6,112 4.61% 3.71% 4.38% Investments 449,852 443,526 453,144 4,215 4,028 4,098 3.76% 3.68% 3.63% Consumer loans 390,349 403,807 410,349 9,771 9,977 10,156 10.04% 10.02% 9.93% Corporate loans 321,827 351,398 374,696 5,212 5,269 5,502 6.50% 6.08% 5.89% Total loans (net of unearned income) 712,176 755,205 785,045 14,983 15,246 15,658 8.44% 8.19% 8.00% Other interest-earning assets 83,064 123,549 113,683 1,204 1,496 1,595 5.81% 4.91% 5.63% Total average interest-earning assets 2,425,332 $ 2,596,539 $ 2,711,331 $ 35,887 $ 35,542 $ 37,690 $ 5.93% 5.55% 5.58% Liabilities Deposits 1,138,996 $ 1,236,277 $ 1,295,173 $ 8,685 $ 8,253 $ 8,747 $ 3.06% 2.71% 2.71% Securities loaned and sold under repurchase agreements 421,198 412,607 449,213 6,938 6,598 6,713 6.61% 6.49% 5.99% Trading account liabilities 104,148 118,413 131,577 748 769 788 2.88% 2.63% 2.40% Short-term borrowings and other interest-bearing liabilities 140,571 185,229 189,438 1,800 1,832 2,046 5.14% 4.01% 4.33% Long-term debt 182,803 184,573 176,982 2,513 2,320 2,243 5.51% 5.10% 5.08% Total average interest-bearing liabilities 1,987,716 $ 2,137,099 $ 2,242,383 $ 20,684 $ 19,772 $ 20,537 $ 4.17% 3.75% 3.67% Net interest income as a % of average interest-earning assets (NIM) 15,203 $ 15,770 $ 17,153 $ 2.51% 2.46% 2.54% 2Q26 increase (decrease) from: 3 bps 8 bps (1) Interest income and Net interest income include the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 21%) of $28 million for 2Q25, $29 million for 1Q26 and $28 million for 2Q26. (2)Citigroup average balances and interest rates include both domestic and international operations.(3)Monthly averages have been used by certain subsidiaries where daily averages are unavailable.(4)Average rate percentage is calculated as annualized interest over average volumes.(5) 2Q26 is preliminary. (6)Average volumes of securities borrowed or purchased under agreements to resell and securities loaned or sold under agreements to repurchase are reported net pursuantto FIN 41; the related interest excludes the impact of ASU 2013-01 (Topic 210).(7) Interest expense on Trading account liabilities of Services, Markets, and Banking is reported as a reduction of Interest income. Interest income and Interest expense on cash collateral positions are reported in Trading account assets and Trading account liabilities, respectively. (8)Nonperforming loans are included in the average loan balances.(9)Excludes hybrid financial instruments with changes in fair value recorded in Principal transactions revenue. Reclassified to conform to the current period's presentation. % Average Rate Average Volumes Interest 15 ~PAGE-BREAK~ END-OF-PERIOD LOANS (In billions of dollars) 2Q 3Q 4Q 1Q 2Q 2025 2025 2025 2026 2026 1Q26 2Q25 Corporate loans by regionNorth America 146.5 $ 150.1 $ 155.2 $ 163.6 $ 174.8 $ 7% 19% International 183.1 185.2 188.5 195.6 202.3 3% 10% Total corporate loans 329.6 $ 335.3 $ 343.7 $ 359.2 $ 377.1 $ 5% 14% Corporate loans by segment and reporting unitServices 96.4 $ 99.4 $ 99.5 $ 101.5 $ 106.6 $ 5% 11% Markets 144.3 149.7 159.4 165.2 182.5 10% 26% Banking 81.9 78.8 77.2 84.6 79.8 (6%) (3%) All Other—Legacy Franchises—Mexico SBMM and AFG 7.0 7.4 7.6 7.9 8.2 4% 17% Total corporate loans 329.6 $ 335.3 $ 343.7 $ 359.2 $ 377.1 $ 5% 14% Wealth by regionNorth America 147.3 $ 148.2 $ 150.2 $ 150.4 $ 151.9 $ 1% 3% International 52.7 53.5 54.1 54.6 56.2 3% 7% Total 200.0 $ 201.7 $ 204.3 $ 205.0 $ 208.1 $ 2% 4% USCCGPCC 136.8 $ 137.7 $ 143.2 $ 138.7 $ 149.2 $ 8% 9% PLCC 30.4 29.8 30.5 28.3 28.4 - (7%) Installment Lending 3.7 3.8 3.8 3.8 3.8 - 3% Total 170.9 $ 171.3 $ 177.5 $ 170.8 $ 181.4 $ 6% 6% All Other—ConsumerMexico Consumer 20.0 $ 21.2 $ 22.5 $ 22.8 $ 23.9 $ 5% 20% Asia Consumer 3.0 2.7 2.5 2.2 2.1 (5%) (30%) Legacy Holdings Assets (LHA) 1.9 1.7 1.7 1.6 1.0 (38%) (47%) Total 24.9 $ 25.6 $ 26.7 $ 26.6 $ 27.0 $ 2% 8% Total consumer loans 395.8 $ 398.6 $ 408.5 $ 402.4 $ 416.5 $ 4% 5% Total loans—EOP 725.3 $ 733.9 $ 752.2 $ 761.6 $ 793.7 $ 4% 9% Total loans—average 712.2 $ 725.0 $ 736.7 $ 755.2 $ 785.0 $ 4% 10% NCLs as a % of total average loans 1.26% 1.21% 1.18% 1.19% 1.23% 4 bps (3) bps (1)Corporate loans include loans managed by Services, Markets, Banking, and All Other—Legacy Franchises—Mexico SBMM, and the AFG.(2)Consumer loans include loans managed by USCC, Wealth, and All Other—Legacy Franchises (other than Mexico SBMM, and the AFG).(3)Includes Legacy Franchises corporate loans activity related to Mexico SBMM and AFG (AFG was previously reported in Markets; all periods havebeen reclassified to reflect this move into Legacy Franchises), as well as other LHA corporate loans. NM Not meaningful. Reclassified to conform to the current period's presentation. 2Q26 Increase/ (Decrease) from 16 ~PAGE-BREAK~ END-OF-PERIOD DEPOSITS(In billions of dollars) 2Q 3Q 4Q 1Q 2Q 2025 2025 2025 2026 2026 1Q26 2Q25 Services, Markets, and Banking by region (institutional)North America 414.4 $ 428.3 $ 452.9 $ 478.5 $ 518.1 $ 8% 25% International 477.2 483.1 481.3 499.3 504.3 1% 6% Total 891.6 $ 911.4 $ 934.2 $ 977.8 $ 1,022.4 $ 5% 15% Treasury and Trade Solutions 726.4 $ 740.0 $ 779.4 $ 804.5 $ 828.2 $ 3% 14% Securities Services 148.1 151.3 138.4 155.2 174.6 13% 18% Services 874.5 $ 891.3 $ 917.8 $ 959.7 $ 1,002.8 $ 4% 15% Markets 16.7 19.3 16.0 17.7 19.1 8% 14% Banking 0.4 0.8 0.4 0.4 0.5 25% 25% Total 891.6 $ 911.4 $ 934.2 $ 977.8 $ 1,022.4 $ 5% 15% WealthNorth America 277.3 $ 278.5 $ 285.6 $ 285.8 $ 279.7 $ (2%) 1% International 123.1 129.2 126.9 132.1 135.7 3% 10% Total 400.4 $ 407.7 $ 412.5 $ 417.9 $ 415.4 $ (1%) 4% All OtherLegacy FranchisesMexico Consumer 28.5 $ 29.7 $ 33.3 $ 32.6 $ 34.4 $ 6% 21% Mexico SBMM—corporate 9.9 10.9 10.5 11.2 11.6 4% 17% Asia Consumer 1.5 1.3 1.1 0.9 0.8 (11%) (47%) Legacy Holdings Assets (LHA) 0.1 0.1 0.1 0.1 0.1 - - Corporate/Other 25.7 22.8 11.9 5.7 7.9 39% (69%) Total 65.7 $ 64.8 $ 56.9 $ 50.5 $ 54.8 $ 9% (17%) Total deposits—EOP 1,357.7 $ 1,383.9 $ 1,403.6 $ 1,446.2 $ 1,492.6 $ 3% 10% Total deposits—average 1,342.8 $ 1,382.2 $ 1,422.3 $ 1,446.4 $ 1,503.5 $ 4% 12% (1)LHA includes deposits from the U.K. consumer banking business. NM Not meaningful. Reclassified to conform to the current period's presentation. 2Q26 Increase/ (Decrease) from 17 ~PAGE-BREAK~ ALLOWANCE FOR CREDIT LOSSES (ACL) ROLLFORWARD(In millions of dollars, except ratios) ACLL/EOPBalance FY 2025 Balance YTD 2026 Balance Loans 12/24 1Q25 2Q25 3Q25 4Q25 FY 2025 FX/Other 12/25 1Q26 2Q26 YTD 2026 FX/Other 6/30/26 6/30/26 Allowance for credit losses on loans (ACLL)Services 264 $ 24 $ 53 $ (4) $ (18) $ 55 $ 8 $ 327 $ 97 $ 46 $ 143 $ 4 $ 474 $ Markets 1,030 48 53 (44) (73) (16) 13 1,027 23 71 94 (3) 1,118 Banking 1,167 78 137 38 136 389 22 1,578 175 (19) 156 (13) 1,721 Legacy Franchises corporate (Mexico SBMM and AFG ) 95 4 16 (12) 6 14 12 121 4 10 14 3 138 Total corporate ACLL 2,556 $ 154 $ 259 $ (22) $ 51 $ 442 $ 55 $ 3,053 $ 299 $ 108 $ 407 $ (9) $ 3,451 $ 0.94% U.S. Cards 13,560 $ (169) $ (12) $ 44 $ (102) $ (239) $ 3 $ 13,324 $ 78 $ 41 $ 119 $ 75 $ 13,518 $ 7.61% Installment lending 425 (5) 7 11 (15) (2) (1) 422 (2) (1) (3) - 419 Total USCC 13,985 $ (174) $ (5) $ 55 $ (117) $ (241) $ 2 $ 13,746 $ 76 $ 40 $ 116 $ 75 $ 13,937 $ Wealth 673 64 (65) (16) 6 (11) 7 669 13 - 13 (1) 681 All Other—consumer 1,360 58 54 28 70 210 209 1,779 9 51 60 53 1,892 Total consumer ACLL 16,018 $ (52) $ (16) $ 67 $ (41) $ (42) $ 218 $ 16,194 $ 98 $ 91 $ 189 $ 127 $ 16,510 $ 3.96% Total ACLL 18,574 $ 102 $ 243 $ 45 $ 10 $ 400 $ 273 $ 19,247 $ 397 $ 199 $ 596 $ 118 $ 19,961 $ 2.54% Allowance for credit losses on unfunded lending commitments (ACLUC) 1,601 $ 108 $ (19) $ 100 $ 13 $ 202 $ 30 $ 1,833 $ 184 $ (97) $ 87 $ (21) $ 1,899 $ Total ACLL and ACLUC 20,175 210 224 145 23 602 303 21,080 581 102 683 97 21,860 Other 2,002 34 388 74 (17) 479 (2,188) 293 3 (1) 2 (4) 291 Total ACL 22,177 $ 244 $ 612 $ 219 $ 6 $ 1,081 $ (1,885) $ 21,373 $ 584 $ 101 $ 685 $ 93 $ 22,151 $ (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 unfundedlending 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 andliabilities of AO Citibank were reclassified to Other assets and Other liabilities. Reclassified to conform to the current period's presentation. Builds (Releases) Builds (Releases) 18 ~PAGE-BREAK~ ALLOWANCE FOR CREDIT LOSSES ON LOANS (ACLL) AND UNFUNDED LENDING COMMITMENTS (ACLUC) 1(In millions of dollars) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Total CitigroupAllowance for credit losses on loans (ACLL) at beginning of period 18,726 $ 19,123 $ 19,206 $ 19,247 $ 19,636 $ 2% 5% 18,574 $ 19,247 $ 4% Gross credit (losses) on loans (2,723) (2,726) (2,724) (2,820) (2,981) (6%) (9%) (5,649) (5,801) (3%) Gross recoveries on loans 489 512 534 612 577 (6%) 18% 956 1,189 24% Net credit (losses) / recoveries on loans (NCLs) (2,234) (2,214) (2,190) (2,208) (2,404) 9% 8% (4,693) (4,612) (2%) Replenishment of NCLs 2,234 2,214 2,190 2,208 2,404 9% 8% 4,693 4,612 (2%) Net reserve builds / (releases) for loans 243 45 10 397 199 (50%) (18%) 345 596 73% Provision for credit losses on loans (PCLL) 2,477 2,259 2,200 2,605 2,603 - 5% 5,038 5,208 3% Other, net 154 38 31 (8) 126 NM (18%) 204 118 (42%) ACLL at end of period (a) 19,123 $ 19,206 $ 19,247 $ 19,636 $ 19,961 $ 2% 4% 19,123 $ 19,961 $ 4% Allowance for credit losses on unfunded lending commitments (ACLUC) (a) 1,721 $ 1,820 $ 1,833 $ 2,013 $ 1,899 $ (6%) 10% 1,721 $ 1,899 $ 10% Provision (release) for credit losses on unfunded lending commitments (19) $ 100 $ 13 $ 184 $ (97) $ NM (411%) 89 $ 87 $ (2%) Total allowance for credit losses on loans, leases and unfunded lending commitments [sum of (a)] 20,844 $ 21,026 $ 21,080 $ 21,649 $ 21,860 $ 1% 5% 20,844 $ 21,860 $ 5% Total ACLL as a % of total loans 2.67% 2.65% 2.58% 2.61% 2.54% (7) bps (13) bps Total NCLs (annualized) as a % of average loans 1.26% 1.21% 1.18% 1.19% 1.23% 4 bps (3) bps 1.35% 1.21% (14) bps ConsumerACLL at beginning of period 16,001 $ 16,100 $ 16,205 $ 16,194 $ 16,297 $ 1% 2% 16,018 $ 16,194 $ 1% NCLs (2,185) (2,122) (2,148) (2,200) (2,270) 3% 4% (4,462) (4,470) - Replenishment of NCLs 2,185 2,122 2,148 2,200 2,270 3% 4% 4,462 4,470 - Net reserve builds / (releases) for loans (16) 67 (41) 98 91 (7%) NM (68) 189 NM Provision for credit losses on loans (PCLL) 2,169 2,189 2,107 2,298 2,361 3% 9% 4,394 4,659 6% Other, net 115 38 30 5 122 NM 6% 150 127 (15%) ACLL at end of period (b) 16,100 $ 16,205 $ 16,194 $ 16,297 $ 16,510 $ 1% 3% 16,100 $ 16,510 $ 3% Consumer ACLUC (b) 24 $ 20 $ 24 $ 297 $ 23 $ (92%) (4%) 24 $ 23 $ (4%) Provision (release) for credit losses on unfunded lending commitments (1) $ (4) $ 3 $ 274 $ (274) $ NM NM (4) $ 2 $ NM Total allowance for credit losses on loans, leases and unfunded lending commitments [sum of (b)] 16,124 $ 16,225 $ 16,218 $ 16,594 $ 16,533 $ - 3% 16,124 $ 16,533 $ 3% Consumer ACLL as a % of total consumer loans 4.07% 4.07% 3.96% 4.05% 3.96% (9) bps (11) bps Consumer NCLs (annualized) as a % of average loans 2.25% 2.12% 2.12% 2.21% 2.22% 1 bps (3) bps 2.32% 2.21% (11) bps CorporateACLL at beginning of period 2,725 $ 3,023 $ 3,001 $ 3,053 $ 3,339 $ 9% 23% 2,556 $ 3,053 $ 19% NCLs (49) (92) (42) (8) (134) NM 173% (231) (142) (39%) Replenishment of NCLs 49 92 42 8 134 NM 173% 231 142 (39%) Net reserve builds / (releases) for loans 259 (22) 51 299 108 (64%) (58%) 413 407 (1%) Provision for credit losses on loans (PCLL) 308 70 93 307 242 (21%) (21%) 644 549 (15%) Other, net 39 - 1 (13) 4 NM (90%) 54 (9) NM ACLL at end of period (c) 3,023 $ 3,001 $ 3,053 $ 3,339 $ 3,451 $ 3% 14% 3,023 $ 3,451 $ 14% Corporate ACLUC (c) 1,697 $ 1,800 $ 1,809 $ 1,716 $ 1,876 $ 9% 11% 1,697 $ 1,876 $ 11% Provision (release) for credit losses on unfunded lending commitments (18) $ 104 $ 10 $ (90) $ 177 $ NM NM 93 $ 85 $ (9%) Total allowance for credit losses on loans, leases and unfunded lending commitments [sum of (c)] 4,720 $ 4,801 $ 4,862 $ 5,055 $ 5,327 $ 5% 13% 4,720 $ 5,327 $ 13% Corporate ACLL as a % of total corporate loans 0.94% 0.92% 0.91% 0.95% 0.94% (1) bps 0 bps Corporate NCLs (annualized) as a % of average loans 0.06% 0.11% 0.05% 0.01% 0.14% 13 bps 8 bps 0.15% 0.08% (7) bps Footnotes to this table are on the following page (page 20). 2Q26 Increase/ (Decrease) from 19 ~PAGE-BREAK~ ALLOWANCE FOR CREDIT LOSSES ON LOANS (ACLL) AND UNFUNDED LENDING COMMITMENTS (ACLUC) 2 The following footnotes relate to the table on the preceding page (page 19): (1) Includes all adjustments to the allowance for credit losses, such as changes in the allowance from acquisitions, dispositions, securitizations, foreign currency translation (FX translation), purchase accounting adjustments, etc. (2) 2Q25 includes an approximate $25 million reclass related to Citi's agreement to sell its Poland consumer banking business. That ACLL was transferred to Other assets beginning June 30, 2025. 2Q25 also includes FX translation. (3) 3Q25 primarily relates to FX translation. (4) 4Q25 primarily relates to FX translation. (5) 1Q26 primarily relates to FX translation. (6) 2Q26 includes approximately $78 million related to an acquired portfolio and an increase of approximately $48 million related to FX translation. (7)Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.(8) 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. (9)Excludes loans that are carried at fair value of $9.3 billion, $7.9 billion, $6.9 billion, $8.5 billion, and $8.2 billion atJune 30, 2025, September 30, 2025, December 31, 2025, March 31, 2026, and June 30, 2026, respectively.(10)Excludes loans that are carried at fair value of $9.2 billion, $7.9 billion, $6.8 billion, $8.5 billion, and $8.2 billion atJune 30, 2025, September 30, 2025, December 31, 2025, March 31, 2026, and June 30, 2026, respectively. NM Not meaningful. Reclassified to conform to the current period's presentation. 20 ~PAGE-BREAK~ NON-ACCRUAL ASSETS (In millions of dollars) 2Q 3Q 4Q 1Q 2Q 2025 2025 2025 2026 2026 1Q26 2Q25 Corporate non-accrual loans by region North America 953 $ 1,280 $ 1,145 $ 955 $ 784 $ (18%) (18%) International 769 791 856 1,002 963 (4%) 25% Total 1,722 $ 2,071 $ 2,001 $ 1,957 $ 1,747 $ (11%) 1% Corporate non-accrual loans Banking 502 $ 820 $ 919 $ 971 $ 772 $ (20%) 54% Services 134 187 337 393 419 7% 213% Markets 932 926 622 472 413 (13%) (56%) Mexico SBMM and AFG 154 138 123 121 143 18% (7%) Total 1,722 $ 2,071 $ 2,001 $ 1,957 $ 1,747 $ (11%) 1% Consumer non-accrual loans Wealth 945 $ 886 $ 847 $ 660 $ 728 $ 10% (23%) USCC 21 22 22 21 20 (5%) (5%) Mexico Consumer 485 526 585 577 631 9% 30% Asia Consumer 16 16 15 12 13 8% (19%) Legacy Holdings Assets—Consumer 165 157 149 144 90 (38%) (45%) Total 1,632 $ 1,607 $ 1,618 $ 1,414 $ 1,482 $ 5% (9%) Total non-accrual loans (NAL) 3,354 $ 3,678 $ 3,619 $ 3,371 $ 3,229 $ (4%) (4%) Other real estate owned (OREO) 26 $ 29 $ 22 $ 34 $ 34 $ - 31% NAL as a percentage of total loans 0.46% 0.50% 0.48% 0.44% 0.41% (3) bps (5) bps ACLL as a percentage of NAL 570% 522% 532% 582% 618% (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 interestpayments. With limited exceptions, the following practices are applied for consumer loans: consumer loans, excluding credit cards and mortgages, are placedon 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 dayspast due and written down to net realizable value at 180 days past due. Consistent with industry conventions, Citigroup generally accrues interest on credit cardloans until such loans are charged off, which typically occurs at 180 days contractual delinquency. As such, the non-accrual loan disclosures do not includecredit 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. 2Q26 Increase/ (Decrease) from 21 ~PAGE-BREAK~ CITIGROUP REGULATORY CAPITAL, RATIOS AND COMPOSITION(In millions of dollars or shares, except ratios) Jun. 30, Sep. 30, Dec. 31, March 31, June 30, Regulatory Capital, Ratios and Components 2025 2025 2025 2026 2026 Risk-Based Capital Metrics Standarized ApproachCET1 Capital $ 158,943 $ 158,480 $ 157,099 $ 154,729 $ 157,539 Tier 1 Capital 176,619 178,793 179,675 176,885 181,026 Total Capital 212,915 215,365 216,468 213,683 217,671 Risk-Weighted Assets (RWA) 1,178,756 1,194,274 1,192,174 1,214,025 1,230,414 CET1 Capital Ratio 13.48%(a) 13.27%(a) 13.18%(a) 12.75%(a) 12.8%(a) Tier 1 Capital Ratio 14.98%(a) 14.97%(a) 15.07% 14.57%(a) 14.7%(a) Total Capital Ratio 18.06% 18.03% 18.16% 17.60% 17.7% Advanced ApproachesCET1 Capital $ 158,943 $ 158,480 $ 157,099 $ 154,729 $ 157,539 Tier 1 Capital 176,619 178,793 179,675 176,885 181,026 Total Capital 204,181 206,617 206,170 204,606 208,363 Risk-Weighted Assets (RWA) 1,335,913 1,349,747 1,316,371 1,323,969 1,327,726 CET1 Capital Ratio 11.90% 11.74% 11.93% 11.69% 11.9% Tier 1 Capital Ratio 13.22% 13.25% 13.65%(a) 13.36% 13.6% Total Capital Ratio 15.28%(a) 15.31%(a) 15.66%(a) 15.45%(a) 15.7%(a) CET1 Capital Composition Citigroup common stockholders' equity $ 196,931 $ 194,038 $ 192,304 $ 191,478 $ 192,534 Add: qualifying noncontrolling interests 200 217 226 236 167 Regulatory capital adjustments and deductions: Less: Accumulated net unrealized gains (losses) on cash flow hedges, net of tax (141) (116) 10 (239) (510) Cumulative unrealized net gain (loss) related to changes in fair value of financial liabilities attributable to own creditworthiness, net of tax (408) (1,443) (1,919) (431) (1,638) Intangible assets: Goodwill, net of related deferred tax liabilities (DTLs) 18,524 17,876 18,482 18,373 18,391 Identifiable intangible assets other than mortgage servicing rights (MSRs), net of related DTLs 3,236 3,169 3,135 3,150 3,829 Defined benefit pension plan net assets and other 1,610 1,725 1,822 1,730 1,712 Deferred tax assets (DTAs) arising from net operating loss, foreign tax credit and general business credit carry-forwards 11,163 10,807 10,784 10,465 10,214 Excess over 10% / 15% limitations for other DTAs, certain common stock investments and MSRs 4,204 3,757 3,117 3,937 3,164 CET1 Capital $ 158,943 $ 158,480 $ 157,099 $ 154,729 $ 157,539 Supplementary Leverage Ratio and Components CET1 Capital 158,943 $ 158,480 $ 157,099 $ 154,729 $ 157,539 $ Additional Tier 1 Capital (AT1) 17,676 20,313 22,576 22,156 23,487 Total Tier 1 Capital (T1C) (CET1 + AT1) 176,619 $ 178,793 $ 179,675 $ 176,885 $ 181,026 $ Total Leverage Exposure (TLE) 3,195,323 $ 3,236,413 $ 3,276,212 $ 3,368,515 $ 3,502,704 $ Supplementary Leverage ratio (T1C/TLE) 5.53% 5.52% 5.48% 5.25% 5.2% (a)Denotes Cit's binding constraint for each respective quarter.(1)June 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. 22 ~PAGE-BREAK~ TANGIBLE COMMON EQUITY (TCE), COMMON EQUITY, BOOK VALUEPER SHARE, TANGIBLE BOOK VALUE PER SHARE (TBVPS),RETURNS ON COMMON EQUITY (RoCE) ANDTANGIBLE COMMON EQUITY (RoTCE)(In millions of dollars or shares, except per share amounts and ratios) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Tangible Common Equity, Book Value Per Share and Tangible Book Value Per Share Common stockholders' equity 196,872 $ 193,973 $ 192,241 $ 191,409 $ 192,465 $ 1% (2%) Less:Goodwill 19,878 19,126 19,098 18,997 19,012 Identifiable intangible assets (other than MSRs) 3,639 3,582 3,525 3,539 4,216 Goodwill and identifiable intangible assets (other than MSRs) related to businesses HFS 16 - - - - Tangible common equity (TCE) 173,339 $ 171,265 $ 169,618 $ 168,873 $ 169,237 $ - (2%) Common shares outstanding (CSO) 1,840.9 1,789.3 1,747.5 1,705.6 1,677.4 (2%) (9%) Book value per share (common equity/CSO) 106.94 $ 108.41 $ 110.01 $ 112.22 $ 114.74 $ 2% 7% Tangible book value per share (TCE/CSO) 94.16 $ 95.72 $ 97.06 $ 99.01 $ 100.89 $ 2% 7% Return on Common Equity (RoCE) and Return on Tangible Common Equity (RoTCE) Net income (loss) 4,019 $ 3,752 $ 2,471 $ 5,785 $ 5,831 $ 8,083 $ 11,616 $ Preferred dividends 287 274 284 305 338 556 643 Net income (loss) available to common shareholders 3,732 3,478 2,187 5,480 5,493 7,527 10,973 Average common stockholders' equity 195,622 195,471 193,205 192,606 193,160 - (1%) 193,708 192,883 - Less:Average goodwill and intangibles 23,482 23,169 22,763 23,360 24,105 23,049 23,640 Average TCE 172,140 $ 172,302 $ 170,442 $ 169,246 $ 169,055 $ - (2%) 170,659 $ 169,243 $ (1%) RoCE 7.7% 7.1% 4.5% 11.5% 11.4% (10) bps 370 bps 7.8% 11.5% 370 bps RoTCE 8.7% 8.0% 5.1% 13.1% 13.0% (10) bps 430 bps 8.9% 13.1% 420 bps Average TCE (in billions of dollars) Services 33.0 $ 33.0 $ 33.0 $ 33.5 $ 33.5 $ - 2% 33.0 $ 33.5 $ 2% Markets 53.5 53.5 53.5 56.4 56.4 - 5% 53.5 56.4 5% Banking 9.2 9.2 9.2 7.8 7.8 - (15%) 9.2 7.8 (15%) Wealth 15.4 15.4 15.4 16.2 16.2 - 5% 15.4 16.2 5% USCC 20.3 20.3 20.3 15.5 15.5 - (24%) 20.3 15.5 (24%) All Other 40.7 40.9 39.0 39.8 39.7 - (2%) 39.3 39.8 1% Total Citi average TCE 172.1 $ 172.3 $ 170.4 $ 169.2 $ 169.1 $ - (2%) 170.7 $ 169.2 $ (1%) Add: Average goodwill 19.8 $ 19.6 $ 19.2 $ 19.9 $ 20.2 $ 20.5 $ 21.2 $ Average intangible assets (other than MSRs) 3.7 3.6 3.6 3.5 3.9 2.5 2.5 Total Citi average common stockholders' equity (in billions of dollars) 195.6 $ 195.5 $ 193.2 $ 192.6 $ 193.2 $ - (1%) 193.7 $ 192.9 $ - Income (loss) available to common shareholders (in billions of dollars) Services 1.7 $ 2.1 $ 2.5 $ 2.2 $ 2.6 $ 18% 53% 3.5 $ 4.8 $ 37% Markets 1.8 1.7 0.8 2.6 2.4 (8%) 33% 3.7 5.0 35% Banking 0.1 0.3 0.4 0.3 0.4 33% 300% 0.3 0.7 133% Wealth 0.4 0.3 0.3 0.4 0.6 50% 50% 0.6 1.0 67% USCC 0.8 0.9 0.9 0.7 0.9 29% 13% 1.6 1.6 - All Other—managed basis (0.9) (1.0) (2.6) (0.7) (1.4) (100%) (56%) (2.0) (2.1) (5%) Reconciling Items—divestiture-related impacts (0.2) (0.8) (0.1) - - - 100% (0.2) - 100% Total Citi income (loss) available to common shareholders 3.7 $ 3.5 $ 2.2 $ 5.5 $ 5.5 $ - 49% 7.5 $ 11.0 $ 47% RoTCE Services 20.8% 25.0% 30.0% 27.0% 30.9% 390 bps 1,010 bps 21.7% 29.0% 730 bps Markets 13.5% 12.6% 6.2% 18.7% 17.0% (170) bps 350 bps 13.8% 17.8% 400 bps Banking 4.1% 11.6% 15.3% 15.8% 18.0% 220 bps 1,390 bps 6.9% 16.9% 1,000 bps Wealth 10.0% 7.8% 7.7% 10.8% 14.4% 360 bps 440 bps 7.5% 12.6% 510 bps USCC 15.0% 18.2% 17.3% 19.2% 22.0% 280 bps 700 bps 15.9% 20.6% 470 bps All Other—managed basis (8.3%) (10.0%) (26.2%) (8.1%) (12.8%) NM NM (10.1%) (28.2%) NM Reconciling Items—divestiture-related impacts N/A N/A N/A N/A N/A N/A N/A Total Citi RoTCE 8.7% 8.0% 5.1% 13.1% 13.0% (10) bps 430 bps 8.9% 13.1% 420 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. 2Q26 Increase/ (Decrease) from 23 ~PAGE-BREAK~ FX Impact(In millions of dollars) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Foreign currency (FX) translation impact Total Citigroup Total revenues—as reported 21,668 $ 22,090 $ 19,871 $ 24,633 $ 24,766 $ 1% 14% 43,264 $ 49,399 $ 14% Impact of FX translation 176 186 159 4 - 723 - Total revenues—Ex-FX 21,844 $ 22,276 $ 20,030 $ 24,637 $ 24,766 $ 1% 13% 43,987 $ 49,399 $ 12% Total operating expenses—as reported 13,577 $ 14,290 $ 13,840 $ 14,311 $ 14,215 $ (1%) 5% 27,002 $ 28,526 $ 6% Impact of FX translation 133 163 122 (5) - 563 - Total operating expenses—Ex-FX 13,710 $ 14,453 $ 13,962 $ 14,306 $ 14,215 $ (1%) 4% 27,565 $ 28,526 $ 3% Total provisions for credit losses and PBC—as reported 2,872 $ 2,450 $ 2,220 $ 2,805 $ 2,522 $ (10%) (12%) 5,595 $ 5,327 $ (5%) Impact of FX translation 53 25 21 3 - 144 - Total provisions for credit losses and PBC—Ex-FX 2,925 $ 2,475 $ 2,241 $ 2,808 $ 2,522 $ (10%) (14%) 5,739 $ 5,327 $ (7%) Total EBIT—as reported 5,219 $ 5,350 $ 3,811 $ 7,517 $ 8,029 $ 7% 54% 10,667 $ 15,546 $ 46% Impact of FX translation (10) (2) 16 6 - 16 - Total EBIT—Ex-FX 5,209 $ 5,348 $ 3,827 $ 7,523 $ 8,029 $ 7% 54% 10,683 $ 15,546 $ 46% Total EOP Loans—as reported 725 $ 734 $ 752 $ 762 $ 794 $ 4% 10% Impact of FX translation (1) (1) (1) - - Total EOP Loans—Ex-FX 724 $ 733 $ 751 $ 762 $ 794 $ 4% 10% Total EOP Deposits—as reported 1,358 $ 1,384 $ 1,404 $ 1,446 $ 1,493 $ 3% 10% Impact of FX translation (4) (3) (5) 1 - Total EOP Deposits—Ex-FX 1,354 $ 1,381 $ 1,399 $ 1,447 $ 1,493 $ 3% 10% Total Average Loans—as reported 712 $ 725 $ 737 $ 755 $ 785 $ 4% 10% 702 $ 770 $ 10% Impact of FX translation 6 2 2 - - 9 - Total Average Loans—Ex-FX 718 $ 727 $ 739 $ 755 $ 785 $ 4% 9% 711 $ 770 $ 8% Total Average Deposits—as reported 1,343 $ 1,382 $ 1,422 $ 1,446 $ 1,504 $ 4% 12% 1,324 $ 1,475 $ 11% Impact of FX translation 12 5 6 - - 21 - Total Average Deposits—Ex-FX 1,355 $ 1,387 $ 1,428 $ 1,446 $ 1,504 $ 4% 11% 1,345 $ 1,475 $ 10% Legacy Franchises—Mexico Consumer/SBMM All Other—Legacy Franchises (LF) Mexico Consumer/SBMM revenues—as reported 1,536 $ 1,722 $ 1,775 $ 2,054 $ 1,996 $ (3%) 30% 3,003 $ 4,050 $ 35% Impact of FX translation 135 101 76 11 - 353 - All Other—LF Mexico Consumer/SBMM revenues—Ex-FX 1,671 $ 1,823 $ 1,851 $ 2,065 $ 1,996 $ (3%) 19% 3,356 $ 4,050 $ 21% All Other—LF Mexico Consumer/SBMM expenses—as reported 984 $ 1,772 $ 962 $ 1,181 $ 1,060 $ (10%) 8% 2,044 $ 2,241 $ 10% Impact of FX translation 101 118 45 6 - 275 - All Other—LF Mexico Consumer/SBMM expenses—Ex-FX 1,085 $ 1,890 $ 1,007 $ 1,187 $ 1,060 $ (11%) (2%) 2,319 $ 2,241 $ (3%) (1)Reflects the impact of foreign currency (FX) translation into U.S. dollars applying the second quarter of 2026 average exchange rates for all quarterly periods, andYTD 2025 average exchange rates for six-months results, with the exception of EOP loans and deposits, which were calculated based on exchange rates as ofJune 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. 2Q26 Increase/ (Decrease) from 24 ~PAGE-BREAK~ Reconciliation of Adjusted Results ( 1)(In millions of dollars, except per share amounts and as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Total Citigroup revenues, net interest income (NII) and non-interest revenues (NIR) Total Citigroup revenues—as reported 21,668 $ 22,090 $ 19,871 $ 24,633 $ 24,766 $ 1% 14% 43,264 $ 49,399 $ 14% Less: Total divestiture-related Impacts on revenues (177) 2 (1) 13 20 (177) 33 Total Citigroup revenues, excluding divestitures impacts 21,845 $ 22,088 $ 19,872 $ 24,620 $ 24,746 $ 1% 13% 43,441 $ 49,366 $ 14% Total Citigroup revenues—as reported 21,668 $ 22,090 $ 19,871 $ 24,633 $ 24,766 $ 1% 14% 43,264 $ 49,399 $ 14% Less: Notable item—Russia HFS accounting treatment loss impact on revenues - - (1,173) - - - - Total Citigroup revenues, excluding notable item(s) impact 21,668 $ 22,090 $ 21,044 $ 24,633 $ 24,766 $ 1% 14% 43,264 $ 49,399 $ 14% Total Citigroup net interest income (NII)—as reported 15,175 $ 14,940 $ 15,665 $ 15,741 $ 17,125 $ 9% 13% 29,187 $ 32,866 $ 13% Markets NII 2,824 2,178 2,761 2,797 4,002 4,748 6,799 Citigroup NII ex-Markets 12,351 $ 12,762 $ 12,904 $ 12,944 $ 13,123 $ 1% 6% 24,439 $ 26,067 $ 7% Total Citigroup non-interest revenue (NIR)—as reported 6,493 $ 7,150 $ 4,206 $ 8,892 $ 7,641 $ (14%) 18% 14,077 $ 16,533 $ 17% Markets NIR 3,156 3,567 1,848 4,449 3,005 7,307 7,454 Citigroup NIR ex-Markets 3,337 $ 3,583 $ 2,358 $ 4,443 $ 4,636 $ 4% 39% 6,770 $ 9,079 $ 34% Less: Notable item—Russia HFS accounting treatment loss impact on revenues - - (1,192) - - - - Citigroup NIR ex-Markets, excluding notable item(s) impact 3,337 $ 3,583 $ 3,550 $ 4,443 $ 4,636 $ 4% 39% 6,770 $ 9,079 $ 34% Total Citigroup operating expenses Total Citigroup operating expenses—as reported 13,577 $ 14,290 $ 13,840 $ 14,311 $ 14,215 $ (1%) 5% 27,002 $ 28,526 $ 6% Less: Notable item—Mexico goodwill impairment charge impact on operating expenses - 726 - - - - - Total Citigroup operating expenses, excluding notable item(s) 13,577 $ 13,564 $ 13,840 $ 14,311 $ 14,215 $ (1%) 5% 27,002 $ 28,526 $ 6% Total Citigroup revenues—as reported 21,668 $ 22,090 $ 19,871 $ 24,633 $ 24,766 $ 1% 14% 43,264 $ 49,399 $ 14% Total Citigroup operating expenses—as reported 13,577 14,290 13,840 14,311 14,215 (1%) 5% 27,002 28,526 6% Total Citigroup efficiency ratio—as reported 62.7% 64.7% 69.6% 58.1% 57.4% (70) bps (530) bps 62.4% 57.7% (470) bps Less: Notable item(s) impact(s) on revenues - - (1,173) - - - - Total Citigroup revenues, excluding notable item(s) 21,668 $ 22,090 $ 21,044 $ 24,633 $ 24,766 $ 1% 14% 43,264 $ 49,399 $ 14% Less: Notable item(s) impact(s) on operating expenses - 726 - - - - - Total Citigroup operating expenses, excluding notable item(s) 13,577 $ 13,564 $ 13,840 $ 14,311 $ 14,215 $ (1%) 5% 27,002 $ 28,526 $ 6% Total Citigroup efficiency ratio, excluding notable item(s) 62.7% 61.4% 65.8% 58.1% 57.4% (70) bps (530) bps 62.4% 57.7% (470) bps *Represents a non-GAAP financial measure. (1)See footnote 2 on page 14 for details.(2)See footnote 4 on page 12 for details.(3)See page 6 for details.(4)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.(5)See footnote 3 on page 14 for details. NM Not meaningful. Reclassified to conform to the current period's presentation. 2Q26 Increase/ (Decrease) from 25 ~PAGE-BREAK~ Reconciliation of Adjusted Results ( 2)(In millions of dollars, except per share amounts and as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Total Citigroup operating expenses Total Citigroup other operating expenses —as reported 2,472 $ 3,386 $ 3,168 $ 2,369 $ 2,613 $ 10% 6% 4,955 $ 4,982 $ 1% Less: - - Notable item—Mexico goodwill impairment charge impact on other operating expenses - 726 - - - - - Total Citigroup other operating expenses, excluding notable item(s) 2,472 $ 2,660 $ 3,168 $ 2,369 $ 2,613 $ 10% 6% 4,955 $ 4,982 $ 1% Notable items adjustments Total Citigroup net income—as reported 4,019 $ 3,752 $ 2,471 $ 5,785 $ 5,831 $ 1% 45% 8,083 $ 11,616 $ 44% Less notable items: Russia HFS accounting treatment loss impact on net income - - (1,123) - - - - Mexico goodwill impairment charge impact on net income - (714) - - - - - Total Citigroup net income, excluding notable Item(s) 4,019 $ 4,466 $ 3,594 $ 5,785 $ 5,831 $ 1% 45% 8,083 $ 11,616 $ 44% Total Citigroup diluted EPS—as reported 1.96 $ 1.86 $ 1.19 $ 3.06 $ 3.15 $ 3% 61% 3.92 $ 6.21 $ 58% Less: Notable item(s) - (0.38) (0.62) - - - - Total Citigroup diluted EPS, excluding notable item(s) 1.96 $ 2.24 $ 1.81 $ 3.06 $ 3.15 $ 3% 61% 3.92 $ 6.21 $ 58% Total Citigroup diluted EPS—as reported 1.96 $ 1.86 $ 1.19 $ 3.06 $ 3.15 $ 3% 61% 3.92 $ 6.21 $ 58% Less: Notable item—Russia HFS accounting treatment loss impact on net income - - (0.62) - - - - Total Citigroup diluted EPS, excluding notable item 1.96 $ 1.86 $ 1.81 $ 3.06 $ 3.15 $ 3% 61% 3.92 $ 6.21 $ 58% Total Citigroup RoCE—as reported 7.7% 7.1% 4.5% 11.5% 11.4% (10) bps 370 bps 7.8% 11.5% 370 bps Less: Notable item(s) 0 bps (140) bps (230) bps 0 bps 0 bps 0 bps 0 bps Total Citigroup RoCE, excluding notable items 7.7% 8.5% 6.8% 11.5% 11.4% (10) bps 370 bps 7.8% 11.5% 370 bps Total Citigroup RoTCE—as reported 8.7% 8.0% 5.1% 13.1% 13.0% (10) bps 430 bps 8.9% 13.1% 420 bps Less: Notable item(s) 0 bps (170) bps (260) bps 0 bps 0 bps 0 bps 0 bps Total Citigroup RoTCE, excluding notable items 8.7% 9.7% 7.7% 13.1% 13.0% (10) bps 430 bps 8.9% 13.1% 420 bps All Other (managed basis) All Other revenues—managed basis 1,716 $ 1,471 $ (208) $ 1,682 $ 1,737 $ 3% 1% 3,179 $ 3,419 $ 8% Add: Total divestiture-related impacts on revenues (177) 2 (1) 13 20 (177) 33 All Other revenues—U.S. GAAP 1,539 $ 1,473 $ (209) $ 1,695 $ 1,757 $ 4% 14% 3,002 $ 3,452 $ 15% All Other operating expenses—managed basis(*) 2,277 $ 2,169 $ 2,026 $ 2,144 $ 2,220 $ 4% (3%) 4,503 $ 4,364 $ (3%) Add: Total divestiture-related impacts on operating expenses 37 766 40 31 25 71 56 All Other operating expenses—U.S. GAAP 2,314 $ 2,935 $ 2,066 $ 2,175 $ 2,245 $ 3% (3%) 4,574 $ 4,420 $ (3%) All Other provisions for credit losses—managed basis 374 $ 331 $ 449 $ 400 $ 438 $ 10% 17% 733 $ 838 $ 14% Add: Total divestiture-related impacts on provisions for credit losses 5 (3) (1) 1 (2) (6) (1) All Other provisions for credit losses—U.S. GAAP 379 $ 328 $ 448 $ 401 $ 436 $ 9% 15% 727 $ 837 $ 15% All Other EBIT—managed basis (935) $ (1,029) $ (2,683) $ (862) $ (921) $ (7%) 1% (2,057) $ (1,783) $ 13% Add: Total divestiture-related impacts on revenues (177) 2 (1) 13 20 (177) 33 Total divestiture-related impacts on operating expenses (37) (766) (40) (31) (25) (71) (56) Total divestiture-related impacts on provisions for credit losses (5) 3 1 (1) 2 6 1 All Other EBIT—U.S. GAAP (1,154) $ (1,790) $ (2,723) $ (881) $ (924) $ (5%) 20% (2,299) $ (1,805) $ 21% *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 3 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 footnote 2 on page 14 for details.(6)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. 2Q26 Increase/ (Decrease) from 26 ~PAGE-BREAK~ Reconciliation of Adjusted Results ( 3)(In millions of dollars, except as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) All Other (managed basis) All Other net income (loss)—managed basis (552) $ (756) $ (2,290) $ (494) $ (923) $ (87%) (67%) (1,408) $ (1,417) $ (1%) Add: Total divestiture-related impacts on revenue (177) 2 (1) 13 20 (177) 33 Total divestiture-related impacts on operating expenses (37) (766) (40) (31) (25) (71) (56) Total divestiture-related impacts on provisions for credit losses (5) 3 1 (1) 2 6 1 Total divestiture-related impacts on income taxes 39 (16) (70) 7 1 47 8 All Other net income (loss)—U.S. GAAP (732) $ (1,533) $ (2,400) $ (506) $ (925) $ (83%) (26%) (1,603) $ (1,431) $ 11% Legacy Franchises (LF) (managed basis) Legacy Franchises revenues (managed basis)—as reported 1,691 $ 1,871 $ 329 $ 2,161 $ 2,053 $ (5%) 21% 3,312 $ 4,214 $ 27% Less: Notable item—portion of Russia HFS accounting treatment loss impact on LF revenues - - (1,556) - - - - LF revenues, excluding notable item(s) impact 1,691 $ 1,871 $ 1,885 $ 2,161 $ 2,053 $ (5%) 21% 3,312 $ 4,214 $ 27% LF revenues—managed basis 1,691 $ 1,871 $ 329 $ 2,161 $ 2,053 $ (5%) 21% 3,312 $ 4,214 $ 27% Add: Total divestiture-related impacts on revenues (177) 2 (1) 13 20 (177) 33 LF revenues—U.S. GAAP 1,514 $ 1,873 $ 328 $ 2,174 $ 2,073 $ (5%) 37% 3,135 $ 4,247 $ 35% LF operating expenses—managed basis 1,287 $ 1,320 $ 1,222 $ 1,324 $ 1,243 $ (6%) (3%) 2,621 $ 2,567 $ (2%) Add: Total divestiture-related impacts on operating expenses 37 766 40 31 25 71 56 LF operating expenses—U.S. GAAP 1,324 $ 2,086 $ 1,262 $ 1,355 $ 1,268 $ (6%) (4%) 2,692 $ 2,623 $ (3%) LF provisions for credit losses—managed basis 371 $ 327 $ 447 $ 409 $ 440 $ 8% 19% 729 $ 849 $ 16% Add: Total divestiture-related impacts on provisions for credit losses 5 (3) (1) 1 (2) (6) (1) LF provisions for credit losses—U.S. GAAP 376 $ 324 $ 446 $ 410 $ 438 $ 7% 16% 723 $ 848 $ 17% LF EBIT—managed basis 33 $ 224 $ (1,340) $ 428 $ 370 $ (14%) NM (38) $ 798 $ NM Add: Total divestiture-related impacts on revenue (177) 2 (1) 13 20 (177) 33 Total divestiture-related impacts on operating expenses (37) (766) (40) (31) (25) (71) (56) Total divestiture-related impacts on provisions for credit losses (5) 3 1 (1) 2 6 1 LF EBIT—U.S. GAAP (186) $ (537) $ (1,380) $ 409 $ 367 $ (10%) NM (280) $ 776 $ NM LF net income (loss)—managed basis 60 $ 155 $ (1,496) $ 177 $ 91 $ (49%) 52% - $ 268 $ NM Add: Total divestiture-related impacts on revenue (177) 2 (1) 13 20 (177) 33 Total divestiture-related impacts on operating expenses (37) (766) (40) (31) (25) (71) (56) Total divestiture-related impacts on provisions for credit losses (5) 3 1 (1) 2 6 1 Total divestiture-related impacts on income taxes 39 (16) (70) 7 1 47 8 LF net income (loss)—U.S. GAAP (120) $ (622) $ (1,606) $ 165 $ 89 $ (46%) NM (195) $ 254 $ 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 footnote 2 on page 14 for details.(3)See footnotes 2, 3, 4, 5, and 6 on page 14 for details.(4)See footnote 4 on page 12 for details. NM Not meaningful. Reclassified to conform to the current period's presentation. 2Q26 Increase/ (Decrease) from 27 ~PAGE-BREAK~ Reconciliation of Adjusted Results ( 4)(In millions of dollars, except as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Services Services revenues—as reported 5,430 $ 5,730 $ 6,272 $ 6,103 $ 6,382 $ 5% 18% 10,634 $ 12,485 $ 17% Less: Notable item—portion of Russia HFS accounting treatment impact on services revenues - - 356 - - - - Services revenues, excluding notable item(s) impact 5,430 $ 5,730 $ 5,916 $ 6,103 $ 6,382 $ 5% 18% 10,634 $ 12,485 $ 17% Services non-interest revenue (NIR)—as reported 1,800 $ 1,907 $ 2,222 $ 1,960 $ 2,091 $ 7% 16% 3,506 $ 4,051 $ 16% Less: Notable item—portion of Russia HFS accounting treatment impact on services revenues - - 356 - - - - Services NIR, excluding notable item(s) impact 1,800 $ 1,907 $ 1,866 $ 1,960 $ 2,091 $ 7% 16% 3,506 $ 4,051 $ 16% Banking—Corporate Lending revenues Banking—Corporate Lending revenues—as reported 361 $ 409 $ 417 $ 441 $ 374 $ (15%) 4% 777 $ 815 $ 5% Gain (loss) on loan hedges (62) (44) (26) 50 (32) (48) 18 Banking—Corporate Lending revenues—excluding gain (loss) on loan hedges 423 $ 453 $ 443 $ 391 $ 406 $ 4% (4%) 825 $ 797 $ (3%) *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. 2Q26 Increase/ (Decrease) from 28 ~PAGE-BREAK~ Reconciliation of Adjusted Results ( 5)(In millions of dollars, or as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Total Citigroup revenues Total Citigroup revenues—as reported 21,668 $ 22,090 $ 19,871 $ 24,633 $ 24,766 $ 1% 14% 43,264 $ 49,399 $ 14% Less: Total divestiture-related impacts on revenues (177) 2 (1) 13 20 (177) 33 Notable item—Russia HFS accounting treatment loss impact on revenues - - (1,173) - - - - Total Citigroup revenues, excluding divestitures impacts and Russia loss 21,845 $ 22,088 $ 21,045 $ 24,620 $ 24,746 $ 1% 13% 43,441 $ 49,366 $ 14% Total Citigroup operating expenses—as reported 13,577 $ 14,290 $ 13,840 $ 14,311 $ 14,215 $ (1%) 5% 27,002 $ 28,526 $ 6% Less: Total divestiture-related impacts on expenses 37 766 40 31 25 71 56 FDIC special assessment (20) (47) (191) - - - - Total Citigroup operating expenses, excluding divestitures impacts and FDIC special assessment 13,560 $ 13,571 $ 13,991 $ 14,280 $ 14,190 $ (1%) 5% 26,931 $ 28,470 $ 6% Total Citigroup operating expenses—as reported 13,577 $ 14,290 $ 13,840 $ 14,311 $ 14,215 $ (1%) 5% 27,002 $ 28,526 $ 6% Less: Goodwill impairment - 726 - - - - - Total Citigroup operating expenses, excluding goodwill impairment 13,577 $ 13,564 $ 13,840 $ 14,311 $ 14,215 $ (1%) 5% 27,002 $ 28,526 $ 6% Total Citigroup RoCE and RoTCE Total Citigroup RoCE—as reported 7.7% 7.1% 4.5% 11.5% 11.4% (10) bps 370 bps 7.8% 11.5% 370 bps Less: Notable item—Russia HFS accounting treatment loss impact on net income 0 bps 0 bps (230) bps 0 bps 0 bps 0 bps 0 bps Total Citigroup RoCE, excluding notable item 7.7% 7.1% 6.8% 11.5% 11.4% (10) bps 370 bps 7.8% 11.5% 370 bps Total Citigroup RoTCE—as reported 8.7% 8.0% 5.1% 13.1% 13.0% (10) bps 430 bps 8.9% 13.1% 420 bps Less: Notable item—Russia HFS accounting treatment loss impact on net income 0 bps 0 bps (260) bps 0 bps 0 bps 0 bps 0 bps Total Citigroup RoTCE, excluding notable item 8.7% 8.0% 7.7% 13.1% 13.0% (10) bps 430 bps 8.9% 13.1% 420 bps *Represents a non-GAAP financial measure. (1)Not used.(2)See footnote 2 on page 14 for details.(3)See footnote 4 on page 12 for details.(4)See footnotes 2, 3, 4, 5, and 6 on page 14 for details.(5)Federal Deposit Insurance Corporation (FDIC) Special Assessment.(6)See footnote 3 on page 14 for details. NM Not meaningful. Reclassified to conform to the current period's presentation. 2Q26 Increase/ (Decrease) from 29 ~PAGE-BREAK~ Reconciliation of Adjusted Results ( 6)(In millions of dollars, except as otherwise noted) Six Six YTD 2026 vs. 2Q 3Q 4Q 1Q 2Q Months Months YTD 2025 Increase 2025 2025 2025 2026 2026 1Q26 2Q25 2025 2026 (Decrease) Legacy Franchises (LF) exits contribution Revenues Closed or signed markets revenues—Ex-divestitures 118 $ 122 $ (1,456) $ 77 $ 54 $ (30%) (54%) 226 $ 131 $ (42%) Add: Divestiture-related impacts on closed or signed markets revenues (177) 2 (1) 13 15 (177) 28 Closed or signed markets revenues—U.S. GAAP (59) $ 124 $ (1,457) $ 90 $ 69 $ (23%) NM 49 $ 159 $ 224% Mexico Consumer/SBMM revenues—Ex-divestitures 1,536 $ 1,722 $ 1,775 $ 2,054 $ 1,991 $ (3%) 30% 3,003 $ 4,045 $ 35% Add: Divestiture-related impacts on Mexico/SBMM - - - - 5 - 5 Mexico Consumer/SBMM revenues—U.S. GAAP 1,536 $ 1,722 $ 1,775 $ 2,054 $ 1,996 $ (3%) 30% 3,003 $ 4,050 $ 35% Wind-downs/sale/other revenues—Ex-divestitures 37 $ 27 $ 10 $ 30 $ 8 $ (73%) (78%) 83 $ 38 $ (54%) Add: Divestiture-related impacts on wind-downs/sale/other revenues - - - - - - - Wind-downs/sale/other revenues—U.S. GAAP 37 $ 27 $ 10 $ 30 $ 8 $ (73%) (78%) 83 $ 38 $ (54%) Expenses Closed or signed markets expenses—Ex-divestitures 161 $ 133 $ 108 $ 75 $ 68 $ (9%) (58%) 296 $ 143 $ (52%) Add: Divestiture-related impacts on closed or signed markets expenses 7 4 8 5 6 17 11 Closed or signed markets expenses—U.S. GAAP 168 $ 137 $ 116 $ 80 $ 74 $ (8%) (56%) 313 $ 154 $ (51%) Mexico Consumer/SBMM expenses—Ex-divestitures 954 $ 1,013 $ 928 $ 1,157 $ 1,041 $ (10%) 9% 1,993 $ 2,198 $ 10% Add: Divestiture-related impacts on Mexico/SBMM 30 759 34 24 19 51 43 Mexico Consumer/SBMM expenses—U.S. GAAP 984 $ 1,772 $ 962 $ 1,181 $ 1,060 $ (10%) 8% 2,044 $ 2,241 $ 10% Wind-downs/sale/other expenses—Ex-divestitures 172 $ 174 $ 186 $ 92 $ 134 $ 46% (22%) 332 $ 226 $ (32%) Add: Divestiture-related impacts on wind-downs/sale/other expenses - 3 (2) 2 - 3 2 Wind-downs/sale/other expenses—U.S. GAAP 172 $ 177 $ 184 $ 94 $ 134 $ 43% (22%) 335 $ 228 $ (32%) NM Not meaningful. Reclassified to conform to the current period's presentation. 2Q26 Increase/ (Decrease) from 30 ~PAGE-BREAK~