Q2 2026 Earnings

TTS commercial card spend volume

$20.10B

Commercial card spend volume (in billions of dollars) $ | 20.1 | $ | 17.9 | 12 | $ | 38.7 | $ | 35.1 | 10

TTS cross-border transaction value

$114.60B

Cross-border transaction value (in billions of dollars) 114.6 | 101.3 | 13 | $ | 220.9 | $ | 196.4 | 12 | %

Wealth net new investment assets (NNIA)

$15.70B

Net new investment assets (NNIA)(6) $ | 15.7 | $ | 2.0 | NM | $ | 30.4 | $ | 18.5 | 64 | % (6) Represents investment asset inflows, including dividends, interest and distributions, less investment asset outflows.

Wealth organic growth

9.0%

Client balances increased 9%, primarily driven by higher client investment assets, up 14%. The increase in client investment assets was driven by higher market valuations and NNIA generation, partially offset by the 2025 sale of a trust business. NNIA generation was approximately $16 billion for the second quarter, and over $56 billion for the last 12 months, representing 9% organic growth.

Net interest margin (taxable equivalent basis)

2.5%

Interest Income/Expense and Net Interest Margin (NIM) Change In millions of dollars, except as otherwise noted | 2Q26 | 1Q26 | 2Q25 | 2Q26 vs. 2Q25 Net interest margin(3)(4) 2.54 | 2.46 | 2.51 | 3 | bps (4)Citi’s NIM is calculated by dividing net interest income (including TEGU) by average interest-earning assets.

U.S. Consumer Cards NII as a percentage of average loans

11.7%

NII(7) (annualized) as a percentage of average loans 11.74 | % | 11.74 | % | 11.93 | % | 11.89 | % (7) Net interest income includes certain fees that are recorded as interest revenue.

U.S. Consumer Cards revenue rate

10.3%

Key drivers(4)(5) (in billions of dollars, except as otherwise noted) Revenue rate(6) 10.25 | % | 10.67 | % | 10.75 | % | 10.85 | % (6) Total revenues, net of interest expense (annualized) as a percentage of average loans.

Available liquidity resources

$1100.00B

As of June 30, 2026, Citigroup had approximately $1.1 trillion of available liquidity resources to support client and business needs, including: •end-of-period HQLA ($648 billion) included in Citi’s LCR calculation; •additional unencumbered HQLA, including excess liquidity held at bank entities that is non-transferable to other entities within Citigroup ($252 billion); and •unused borrowing capacity from available assets not already accounted for within Citi’s HQLA to support additional advances from the Federal Home Loan Bank (FHLB) and the Federal Reserve Bank discount window ($163 billion).

Citigroup direct staff

219.0K

In millions of dollars, except per share amounts, ratios and direct staff | Second Quarter | Six Months 2026 | 2025 | % Change | 2026 | 2025 | % Change At June 30: Direct staff (in thousands) 219 | 230 | (5) | %

Markets prime balances growth

60.0%

Equity Markets revenues were $2.3 billion, up 45%, driven by growth in equity derivatives on higher client activity and prime services as prime balances were up nearly 60% on higher client activity and market valuations.

Services assets under custody and administration (AUC/AUA)

$34500.00B

AUC/AUA(3) (in trillions of dollars) $ | 34.5 | $ | 28.2 | 22 | % (3) AUC/AUA includes assets for which Citi provides custody or safekeeping services for assets held directly or by a third party on behalf of clients, or assets for which Citi provides administrative services for clients. Securities Services managed AUC/AUA, of which Citi provided both custody and administrative services to certain clients related to $3.5 trillion and $2.2 trillion of such assets at June 30, 2026 and 2025, respectively.

U.S. Retail Banking branches

655

U.S. Retail Banking branches (actual) 655 | 650 | 1

Wealth client investment assets

$727.00B

Client investment assets(4)(5) $ | 727 | $ | 635 | 14 | % (4) Includes assets under management, and trust and custody assets. (5) Beginning in the first quarter of 2026, Client investment assets include an additional approximate $10 billion associated with the value of client insurance policies that were not previously reported.

Wealth end-of-period client balances

$1350.00B

Key drivers(3) (in billions of dollars) EOP client balances Client investment assets(4)(5) $ | 727 | $ | 635 | 14 | % Deposits | 415 | 400 | 4 Loans | 208 | 200 | 4 Total | $ | 1,350 | $ | 1,235 | 9 | %

Banking efficiency ratio

63.0%

Second Quarter | Six Months In millions of dollars, except as otherwise noted | 2026 | 2025 | % Change | 2026 | 2025 | % Change Efficiency ratio | 63 | % | 79 | % | 66 | % | 73 | %

Citigroup efficiency ratio

57.4%

Performance metrics Efficiency ratio (total operating expenses/total revenues, net) | 57.4 | 62.7 | 57.7 | 62.4

Citigroup operating leverage

960

Operating leverage(4) 960 bps | 567 bps | 854 bps | 668 bps (4) Operating leverage represents the year-over-year growth rate in basis points (bps) of Total revenues, net of interest expense less the year-over-year growth rate of Total operating expenses. Positive operating leverage indicates that the revenue growth rate was greater than the expense growth rate.

GPCC loans 30–89 days past due rate

1.2%

GPCC(5) Loans 30–89 days past due as a percentage of EOP loans | 1.17 | 1.12

GPCC loans 90+ days past due rate

1.2%

GPCC(5) Loans 90+ days past due as a percentage of EOP loans | 1.21 | 1.30

GPCC net credit loss rate

4.0%

GPCC(5) NCLs (annualized) as a percentage of average loans | 4.01 | % | 4.20 | % | 3.94 | % | 4.33 | %

Markets efficiency ratio

54.0%

Second Quarter | Six Months In millions of dollars, except as otherwise noted | 2026 | 2025 | % Change | 2026 | 2025 | % Change Efficiency ratio | 54 | % | 59 | % | 53 | % | 58 | %

PLCC loans 30–89 days past due rate

1.8%

PLCC Loans 30–89 days past due as a percentage of EOP loans | 1.84 | 1.89

PLCC loans 90+ days past due rate

1.9%

PLCC Loans 90+ days past due as a percentage of EOP loans | 1.92 | 2.00

PLCC net credit loss rate

4.8%

PLCC NCLs (annualized) as a percentage of average loans | 4.79 | % | 5.18 | % | 4.92 | % | 5.44 | %

Return on tangible common equity (RoTCE)

13.0%

Three Months Ended June 30, | Six Months Ended June 30, In millions of dollars 2026 | 2025 | 2026 | 2025 RoTCE 13.0 | 8.7 | 13.1 | 8.9

Services efficiency ratio

44.0%

Second Quarter | Six Months In millions of dollars, except as otherwise noted | 2026 | 2025 | % Change | 2026 | 2025 | % Change Efficiency ratio | 44 | % | 49 | % | 46 | % | 49 | %

U.S. Consumer Cards efficiency ratio

40.0%

Second Quarter | Six Months In millions of dollars, except as otherwise noted | 2026 | 2025 | % Change | 2026 | 2025 | % Change Efficiency ratio | 40 | % | 36 | % | 38 | % | 37 | %

U.S. Consumer Cards net credit loss rate

4.2%

Key drivers(4)(5) (in billions of dollars, except as otherwise noted) NCLs (annualized) as a percentage of average loans | 4.19 | % | 4.43 | % | 4.16 | % | 4.57 | %

Wealth efficiency ratio

75.0%

Second Quarter | Six Months In millions of dollars, except as otherwise noted | 2026 | 2025 | % Change | 2026 | 2025 | % Change Efficiency ratio | 75 | % | 82 | % | 77 | % | 84 | %