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• Revenues increased 14% year-over-year, driven by growth in all five businesses and Legacy Franchises, plus foreign exchange translation.
• The company returned approximately $5.0 billion to common shareholders via share repurchases and dividends during the quarter.
• Book value per share was $114.74 and tangible book value per share was $100.89 at quarter end, both up 7% year-over-year.
• CEO Jane Fraser announced a planned 12% dividend increase and a $30 billion buyback plan.

2.02 Results of Operations and Financial Condition · 9.01 Financial Statements and Exhibits

• All 13 director nominees were elected, including Jane N. Fraser and John C. Dugan.
• KPMG LLP was ratified as independent auditor for 2026.
• Advisory vote on 2025 executive compensation was approved.
• The additional shares proposal passed with 879,545,713 votes for and 385,218,178 against.

5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements · 5.07 Submission of Matters to a Vote of Security Holders · 9.01 Financial Statements and Exhibits

• Revenues increased 14% to $24.6 billion from $21.6 billion, driven by growth across all five businesses and Legacy Franchises.
• Returned approximately $7.4 billion to common shareholders via share repurchases and dividends, with a payout ratio of 134%.
• Preliminary CET1 capital ratio was 12.7%, and book value per share was $112.22, up 8% year-over-year.
• CEO Jane Fraser reaffirmed the 10-11% RoTCE target for the year, citing strong Services and Markets performance.

2.02 Results of Operations and Financial Condition · 9.01 Financial Statements and Exhibits

• Citi transferred its Retail Banking business from U.S. Personal Banking (USPB) to Wealth and integrated remaining USPB into a new U.S. Consumer Cards segment.
• The updated TCE methodology also increased revenues for Services and Markets and decreased revenues for Banking, eliminating a corporate lending revenue share arrangement.
• Certain interest rate risk-management activities within Markets were moved to Corporate/Other or between businesses within Markets.
• Prior period results and TCE allocations have been recast; consolidated results and TCE remain unchanged for all periods presented.

7.01 Regulation FD Disclosure · 9.01 Financial Statements and Exhibits

• On February 11, 2026, Citigroup Inc. filed a Certificate of Designations with the Delaware Secretary of State establishing a new preferred stock series: 6.500% Fixed Rate Reset Noncumulative Preferred Stock, Series JJ.
• The offering involves Depositary Shares, each representing a 1/25th interest in a share of the Series JJ preferred stock, per the underwriting agreement dated February 5, 2026.
• A Deposit Agreement dated February 12, 2026 was entered into with Computershare Inc. and Computershare Trust Company, N.A. as depositary, registrar, and transfer agent.
• The filing also includes an exhibit listing all Citigroup securities registered under Section 12(b) of the Exchange Act, including common stock, preferred stock, trust preferred securities, and medium-term senior notes.

5.03 Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year · 9.01 Financial Statements and Exhibits

• On February 11, 2026, Citigroup's Compensation Committee approved CEO Jane Fraser's 2025 compensation of $42 million, comprising a $1.5 million base salary and a $40.5 million incentive award.
• The award reflects Citi's 2025 performance: record revenue in all five businesses, net income up 13% and revenue up 6% from 2024, and over $17.5 billion returned to common stockholders.
• The Compensation Committee cited regulatory progress, including the OCC's termination of a July 2024 amendment to Citibank's 2020 Consent Order, and milestones in divestitures and business simplification.
• The filing also includes Exhibit 99.1 listing Citi's securities registered under Section 12(b) of the Exchange Act, as of the filing date.
• The report was filed under Item 8.01 (Other Events) because the compensation decision is not a required disclosure item but is being voluntarily reported.

8.01 Other Events · 9.01 Financial Statements and Exhibits

• On February 2, 2026, Citigroup Inc. filed a Certificate of Designations with the Delaware Secretary of State establishing a new preferred stock series: 6.250% Noncumulative Preferred Stock, Series II.
• The offering involves depositary shares, each representing a 1/1,000th interest in a share of the new preferred stock, per an underwriting agreement dated January 27, 2026.
• A deposit agreement dated February 3, 2026 was entered into with Computershare Inc. and Computershare Trust Company, N.A. as depositary, registrar, and transfer agent.
• The filing also includes an opinion from Skadden, Arps, Slate, Meagher & Flom LLP and a list of securities registered under Section 12(b) of the Exchange Act.
• The report was filed under Item 5.03 because the certificate of designations amended the company's articles of incorporation.

5.03 Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year · 9.01 Financial Statements and Exhibits

• Fourth quarter 2025 net income was $2.5 billion, down from $2.9 billion in Q4 2024, with revenues of $19.9 billion, up 2% year-over-year.
• Full year 2025 net income was $14.3 billion on revenues of $85.2 billion, compared to $12.7 billion on $80.7 billion in 2024.
• Citigroup returned approximately $17.6 billion to shareholders in 2025, including $13 billion in share buybacks, and ended the year with a CET1 ratio of 13.2%.
• CEO Jane Fraser stated the company is committed to reaching a 10-11% RoTCE target for 2026.

2.02 Results of Operations and Financial Condition · 9.01 Financial Statements and Exhibits