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C
CITIGROUP INCFinancialsanswer key
| field | SEC value | XBRL concept | printed on |
|---|---|---|---|
| Total revenue | $85.2B | Revenues | Total revenues, net of interest expense(1) |
| Operating income | - | not reported | not in this filing's XBRL |
| Net income attributable to the company | $14.3B | NetIncomeLoss | Citigroup’s net income |
| Diluted EPS | $6.99 | EarningsPerShareDiluted | Income from continuing operations · Net income |
| Cash and cash equivalents | $23.7B | CashAndDueFromBanks | Cash and due from banks (including segregated cash and other deposits) |
| Total assets | $2.66T | Assets | Total assets · Total liabilities and equity |
| Total liabilities | $2.44T | Liabilities | Total liabilities |
| Total shareholders' equity attributable to the company | $212.3B | StockholdersEquity | Total Citigroup stockholders’ equity |
| Net cash from operating activities | -$67.6B | NetCashProvidedByUsedInOperatingActivities | Net cash provided by (used in) operating activities of continuing operations |
| Net cash from investing activities | -$108.3B | NetCashProvidedByUsedInInvestingActivities | Net cash provided by (used in) investing activities of continuing operations |
| Net cash from financing activities | $238.0B | NetCashProvidedByUsedInFinancingActivities | Net cash provided by (used in) financing activities of continuing operations |
Income statement
table #97 · score 54.3 vs 25.3 runner-up · in millions| Years ended December 31, | |||
| In millions of dollars, except per share amounts | 2025 | 2024 | 2023 |
| Revenues(1) | |||
| Interest income | 142,864 | 143,713 | 133,258 |
| Interest expense | 83,072 | 89,618 | 78,358 |
| Net interest income | 59,792 | 54,095 | 54,900 |
| Commissions and fees(1) | 11,169 | 10,236 | 8,509 |
| Principal transactions(2) | 10,235 | 11,109 | 8,281 |
| Administration and other fiduciary fees | 4,414 | 4,134 | 3,781 |
| Realized gains on sales of investments, net | 471 | 328 | 188 |
| Net impairment losses on investments recognized in earnings | (352) | (430) | (327) |
| Other revenue(2) | (504) | 1,250 | 2,734 |
| Total non-interest revenues | 25,433 | 26,627 | 23,166 |
| Total revenues, net of interest expense(1) | 85,225 | 80,722 | 78,066 |
| Provisions for credit losses and for benefits and claims | |||
| Provision for credit losses on loans | 9,497 | 9,726 | 7,786 |
| Provision (release) for credit losses on HTM debt securities | 12 | 50 | (24) |
| Provision for credit losses on other assets | 467 | 362 | 1,762 |
| Policyholder benefits and claims | 87 | 90 | 87 |
| Provision (release) for credit losses on unfunded lending commitments | 202 | (119) | (425) |
| Total provisions for credit losses and for benefits and claims | 10,265 | 10,109 | 9,186 |
| Operating expenses(1) | |||
| Compensation and benefits | 29,639 | 28,542 | 29,232 |
| Technology/communication | 9,423 | 9,035 | 9,106 |
| Transactional and product servicing(3) | 4,575 | 4,438 | 3,980 |
| Premises and equipment | 2,477 | 2,438 | 2,508 |
| Professional services | 2,073 | 2,016 | 2,078 |
| Advertising and marketing | 1,097 | 1,113 | 1,393 |
| Restructuring | (14) | 259 | 781 |
| Other operating(1)(3) | 5,862 | 5,726 | 6,892 |
| Total operating expenses | 55,132 | 53,567 | 55,970 |
| Income from continuing operations before income taxes | 19,828 | 17,046 | 12,910 |
| Provision for income taxes | 5,373 | 4,211 | 3,528 |
| Income from continuing operations | 14,455 | 12,835 | 9,382 |
| Discontinued operations | |||
| Income (loss) from discontinued operations | (3) | (2) | (1) |
| Benefit for income taxes | - | - | - |
| Income (loss) from discontinued operations, net of taxes | (3) | (2) | (1) |
| Net income before attribution to noncontrolling interests | 14,452 | 12,833 | 9,381 |
| Noncontrolling interests | 146 | 151 | 153 |
| Citigroup’s net income | 14,306 | 12,682 | 9,228 |
| Basic earnings per share(4) | |||
| Income from continuing operations | 7.11 | 6.03 | 4.07 |
| Income from discontinued operations, net of taxes | - | - | - |
| Net income | 7.11 | 6.03 | 4.07 |
| Statement continues on the next page. | |||
| Weighted-average common shares outstanding (in millions) | 1,832.0 | 1,901.4 | 1,930.1 |
| Diluted earnings per share(4) | |||
| Income from continuing operations | 6.99 | 5.95 | 4.04 |
| Income (loss) from discontinued operations, net of taxes | - | - | - |
| Net income | 6.99 | 5.94 | 4.04 |
| Adjusted weighted-average diluted common shares outstanding (in millions) | 1,873.1 | 1,940.1 | 1,955.8 |
Balance sheet
table #102 · score 54.8 vs 39.5 runner-up · in millions| December 31, | ||
| In millions of dollars | 2025 | 2024 |
| Assets | ||
| Cash and due from banks (including segregated cash and other deposits) | 23,717 | 22,782 |
| Deposits with banks, net of allowance | 325,862 | 253,750 |
| Securities borrowed and purchased under agreements to resell (including $206,110 and $140,855 as of December 31, 2025 and 2024, respectively, at fair value), net of allowance | 356,195 | 274,062 |
| Brokerage receivables, net of allowance | 62,679 | 50,841 |
| Trading account assets (including $228,816 and $193,291 pledged to creditors as of December 31, 2025 and 2024, respectively) | 537,139 | 442,747 |
| Investments: | ||
| Available-for-sale debt securities (including $4,931 and $5,389 pledged to creditors as of December 31, 2025 and 2024, respectively) | 246,720 | 226,876 |
| Held-to-maturity debt securities, net of allowance (fair value of which is $179,520 and $224,410 as of December 31, 2025 and 2024, respectively) (includes $70 and $0 pledged to creditors as of December 31, 2025 and 2024, respectively) | 189,831 | 242,382 |
| Equity securities (including $921 and $578 as of December 31, 2025 and 2024, respectively, at fair value) | 7,678 | 7,399 |
| Total investments | 444,229 | 476,657 |
| Loans: | ||
| Consumer (including $51 and $281 as of December 31, 2025 and 2024, respectively, at fair value) | 408,533 | 393,102 |
| Corporate (including $6,804 and $7,759 as of December 31, 2025 and 2024, respectively, at fair value) | 343,697 | 301,386 |
| Loans, net of unearned income | 752,230 | 694,488 |
| Allowance for credit losses on loans (ACLL) | (19,247) | (18,574) |
| Total loans, net | 732,983 | 675,914 |
| Goodwill | 19,098 | 19,300 |
| Intangible assets (including MSRs of $759 and $760 as of December 31, 2025 and 2024, respectively) | 4,284 | 4,494 |
| Premises and equipment, net of depreciation and amortization | 33,339 | 30,192 |
| Other assets (including $15,840 and $13,703 as of December 31, 2025 and 2024, respectively, at fair value), net of allowance | 117,677 | 102,206 |
| Total assets | 2,657,202 | 2,352,945 |
| December 31, | ||
| In millions of dollars, except shares and par value per share amounts | 2025 | 2024 |
| Liabilities | ||
| Deposits (including $4,222 and $3,608 as of December 31, 2025 and 2024, respectively, at fair value) | 1,403,573 | 1,284,458 |
| Securities loaned and sold under agreements to repurchase (including $199,422 and $49,154 as of December 31, 2025 and 2024, respectively, at fair value) | 348,098 | 254,755 |
| Brokerage payables (including $5,492 and $5,207 as of December 31, 2025 and 2024, respectively, at fair value) | 74,836 | 66,601 |
| Trading account liabilities | 162,798 | 133,846 |
| Short-term borrowings (including $21,567 and $12,484 as of December 31, 2025 and 2024, respectively, at fair value) | 51,878 | 48,505 |
| Long-term debt (including $130,726 and $112,719 as of December 31, 2025 and 2024, respectively, at fair value) | 315,827 | 287,300 |
| Other liabilities, plus allowances | 86,370 | 68,114 |
| Total liabilities | 2,443,380 | 2,143,579 |
| Stockholders’ equity | ||
| Preferred stock ($1.00 par value; authorized shares: 30 million), issued shares: as of December 31, 2025-802,000 and as of December 31, 2024-714,000, at aggregate liquidation value | 20,050 | 17,850 |
| Common stock ($0.01 par value; authorized shares: 6 billion), issued shares: as of December 31, 2025-3,099,752,593 and as of December 31, 2024-3,099,719,006 | 31 | 31 |
| Additional paid-in capital | 108,452 | 109,117 |
| Retained earnings | 215,128 | 206,294 |
| Treasury stock, at cost: December 31, 2025-1,352,205,592 shares and December 31, 2024-1,222,647,540 shares | (89,473) | (76,842) |
| Accumulated other comprehensive income (loss) (AOCI) | (41,897) | (47,852) |
| Total Citigroup stockholders’ equity | 212,291 | 208,598 |
| Noncontrolling interests | 1,531 | 768 |
| Total equity | 213,822 | 209,366 |
| Total liabilities and equity | 2,657,202 | 2,352,945 |
Cash flow statement
table #106 · score 44 vs 26.5 runner-up · in millions| Years ended December 31, | |||
| In millions of dollars | 2025 | 2024 | 2023 |
| Cash flows from operating activities of continuing operations | |||
| Net income before attribution of noncontrolling interests | 14,452 | 12,833 | 9,381 |
| Net income attributable to noncontrolling interests | 146 | 151 | 153 |
| Citigroup’s net income | 14,306 | 12,682 | 9,228 |
| Income (loss) from discontinued operations, net of taxes | (3) | (2) | (1) |
| Income from continuing operations-excluding noncontrolling interests | 14,309 | 12,684 | 9,229 |
| Adjustments to reconcile net income to net cash provided by (used in) operating activities of continuing operations | |||
| Net loss (gain) on sale of significant disposals(1) | 1,354 | - | (1,462) |
| Depreciation and amortization | 4,373 | 4,311 | 4,560 |
| Deferred income taxes | 452 | (1,896) | (2,416) |
| Provisions for credit losses and for benefits and claims | 10,265 | 10,109 | 9,186 |
| Realized gains from sales of investments | (471) | (328) | (188) |
| Impairment losses on investments and other assets | 341 | 431 | 323 |
| Goodwill impairment | 726 | - | - |
| Change in trading account assets | (94,563) | (31,174) | (77,838) |
| Change in trading account liabilities | 28,952 | (21,499) | (15,302) |
| Change in brokerage receivables net of brokerage payables | (3,603) | 6,136 | (5,402) |
| Change in loans held-for-sale (HFS) | (1,872) | (776) | 1,929 |
| Change in other assets | (12,923) | (4,026) | (6,361) |
| Change in other liabilities(2) | (863) | (7,692) | 3,587 |
| Other, net | (14,109) | 14,051 | 6,739 |
| Total adjustments | (81,941) | (32,353) | (82,645) |
| Net cash provided by (used in) operating activities of continuing operations | (67,632) | (19,669) | (73,416) |
| Cash flows from investing activities of continuing operations | |||
| Change in securities borrowed and purchased under agreements to resell | (82,133) | 71,638 | 19,701 |
| Change in loans | (76,038) | (20,455) | (44,525) |
| Purchase of portfolio of consumer loans | - | (700) | - |
| Proceeds from sales and securitizations of loans | 5,460 | 5,316 | 4,801 |
| Net payment due to transfer of net liabilities associated with divestitures(1) | - | - | (1,393) |
| Available-for-sale (AFS) debt securities | |||
| Purchases of investments | (276,238) | (250,932) | (235,139) |
| Proceeds from sales of investments | 89,237 | 57,526 | 41,886 |
| Proceeds from maturities of investments | 183,143 | 216,386 | 200,437 |
| Held-to-maturity (HTM) debt securities | |||
| Purchases of investments | (5,283) | (16,492) | (1,373) |
| Proceeds from maturities of investments | 57,861 | 27,729 | 12,838 |
| Capital expenditures on premises and equipment and capitalized software | (6,520) | (6,500) | (6,583) |
| Proceeds from sales of premises and equipment and repossessed assets | 62 | 222 | 56 |
| Other, net | 2,167 | 2,512 | 835 |
| Net cash provided by (used in) investing activities of continuing operations | (108,282) | 86,250 | (8,459) |
| Statement continues on the next page. | |||
| CONSOLIDATED STATEMENT OF CASH FLOWS (Continued) | Citigroup Inc. and Subsidiaries | ||
| Years ended December 31, | |||
| In millions of dollars | 2025 | 2024 | 2023 |
| Cash flows from financing activities of continuing operations | |||
| Dividends paid | (5,372) | (5,199) | (5,212) |
| Issuance of preferred stock | 7,186 | 5,282 | 2,739 |
| Redemption of preferred stock | (5,000) | (5,050) | (4,145) |
| Treasury stock acquired(3) | (13,250) | (2,474) | (1,977) |
| Proceeds from divestitures(4) | 1,878 | - | - |
| Stock tendered for payment of withholding taxes | (780) | (454) | (329) |
| Change in securities loaned and sold under agreements to repurchase | 93,343 | (23,352) | 75,663 |
| Issuance of long-term debt | 122,029 | 99,075 | 65,819 |
| Payments and redemptions of long-term debt | (103,321) | (92,957) | (64,959) |
| Change in deposits | 137,945 | (24,223) | (57,273) |
| Change in short-term borrowings | 3,373 | 11,048 | (9,639) |
| Net cash provided by (used in) financing activities of continuing operations | 238,031 | (38,304) | 687 |
| Effect of exchange rate changes on cash, due from banks and deposits with banks | 10,930 | (12,677) | 95 |
| Change in cash, due from banks and deposits with banks | 73,047 | 15,600 | (81,093) |
| Cash, due from banks and deposits with banks at beginning of year | 276,532 | 260,932 | 342,025 |
| Cash, due from banks and deposits with banks at end of year | 349,579 | 276,532 | 260,932 |
| Cash and due from banks (including segregated cash and other deposits) | 23,717 | 22,782 | 27,342 |
| Deposits with banks, net of allowance | 325,862 | 253,750 | 233,590 |
| Cash, due from banks and deposits with banks at end of year | 349,579 | 276,532 | 260,932 |
| Supplemental disclosure of cash flow information for continuing operations | |||
| Cash paid during the year for interest | 80,983 | 88,027 | 72,989 |
| Non-cash investing activities(1)(5)(6) | |||
| Transfer of investment securities from HTM to AFS | - | - | 3,324 |
| Decrease in net loans associated with divestitures reclassified to HFS | 1,680 | - | - |
| Transfers to loans HFS (Other assets) from loans HFI | 4,938 | 5,535 | 7,866 |
| Transfers from loans HFS (Other assets) to loans HFI | - | - | 322 |
| Non-cash financing activities(1)(6) | |||
| Decrease in deposits associated with divestitures reclassified to HFS | 18,830 | - | - |