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LOANS (Tables) | 9 Months Ended
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Sep. 30, 2025
Corporate loans |
Financing Receivable, Credit Quality Indicator [Line Items] |
Schedule of corporate loans by type | The following table presents information by corporate loan type:
In millions of dollars | September 30, 2025 | December 31, 2024
In North America offices(1) |  |
Commercial and industrial | $ | 59,062 |  | $ | 57,730 |
Financial institutions | 65,116 |  | 41,815 |
Mortgage and real estate(2) | 17,885 |  | 18,411 |
Installment and other(3) | 22,824 |  | 25,529 |
Lease financing | 129 |  | 235 |
Total | $ | 165,016 |  | $ | 143,720 |
In offices outside North America(1) |  |
Commercial and industrial | $ | 96,624 |  | $ | 92,856 |
Financial institutions | 26,694 |  | 27,276 |
Mortgage and real estate(2) | 9,746 |  | 8,136 |
Installment and other(3) | 32,349 |  | 25,800 |
Lease financing | 44 |  | 40 |
Governments and official institutions | 4,751 |  | 3,630 |
Total | $ | 170,208 |  | $ | 157,738 |
Corporate loans, net of unearned income, excluding portfolio-layer hedges cumulative basis adjustments(4)(5)(6) | $ | 335,224 |  | $ | 301,458 |
Unallocated portfolio-layer hedges cumulative basis adjustments(7) | $ | 53 |  | $ | (72) |
Corporate loans, net of unearned income(4)(5)(6) | $ | 335,277 |  | $ | 301,386 |
(1)North America includes the U.S., Canada and Puerto Rico. Mexico is included in offices outside North America. The classification between offices in North America and outside North America is based on the domicile of the booking unit. The difference between the domicile of the booking unit and the risk-based country view is not material for the purposes of classification of corporate loans between offices in North America and outside North America. (2)Loans secured primarily by real estate. (3)Installment and other includes loans to SPEs and TTS commercial cards. (4)Corporate loans are net of unearned income of $(1,050) million and $(969) million at September 30, 2025 and December 31, 2024, respectively. Unearned income on corporate loans primarily represents loan origination fees, net of certain direct origination costs, that are deferred and recognized as Interest income over the lives of the related loans. (5)Not included in the balances above is approximately $2 billion of accrued interest receivable at September 30, 2025 and December 31, 2024, which is included in Other assets on the Consolidated Balance Sheet. (6)Accrued interest receivable considered to be uncollectible is reversed through interest income. Amounts reversed were not material for the three and nine months ended September 30, 2025 and 2024. (7)Represents fair value hedge basis adjustments related to portfolio-layer method hedges of mortgage and real estate loans, which are not allocated to individual loans in the portfolio. See Note 22.
Schedule of loan delinquency and non-accrual details by type | Corporate Loan Delinquencies and Non-Accrual Details at September 30, 2025
In millions of dollars | 30–89 days past due and accruing(1) | ≥ 90 days past due and accruing(1) | Total past due and accruing | Total non-accrual(2) | Total current(3) | Total loans(4)
Commercial and industrial | $ | 191 |  | $ | 38 |  | $ | 229 |  | $ | 903 |  | $ | 151,982 |  | $ | 153,114 |
Financial institutions | 2 |  | — |  | 2 |  | 77 |  | 90,061 |  | 90,140 |
Mortgage and real estate | 111 |  | 160 |  | 271 |  | 924 |  | 26,356 |  | 27,551 |
Lease financing | — |  | 1 |  | 1 |  | — |  | 172 |  | 173 |
Other | 33 |  | 17 |  | 50 |  | 167 |  | 56,159 |  | 56,376 |
Loans at fair value | N/A | N/A | N/A | N/A | N/A | 7,870 |
Total(5) | $ | 337 |  | $ | 216 |  | $ | 553 |  | $ | 2,071 |  | $ | 324,730 |  | $ | 335,224 |
Corporate Loan Delinquencies and Non-Accrual Details at December 31, 2024
In millions of dollars | 30–89 days past due and accruing(1) | ≥ 90 days past due and accruing(1) | Total past due and accruing | Total non-accrual(2) | Total current(3) | Total loans(4)
Commercial and industrial | $ | 183 |  | $ | 35 |  | $ | 218 |  | $ | 542 |  | $ | 147,914 |  | $ | 148,674 |
Financial institutions | 8 |  | — |  | 8 |  | 73 |  | 68,297 |  | 68,378 |
Mortgage and real estate | 6 |  | 2 |  | 8 |  | 567 |  | 25,971 |  | 26,546 |
Lease financing | — |  | 1 |  | 1 |  | — |  | 275 |  | 276 |
Other | 62 |  | 16 |  | 78 |  | 195 |  | 49,552 |  | 49,825 |
Loans at fair value | N/A | N/A | N/A | N/A | N/A | 7,759 |
Total(5) | $ | 259 |  | $ | 54 |  | $ | 313 |  | $ | 1,377 |  | $ | 292,009 |  | $ | 301,458 |
(1)Corporate loans that are 90 days or more past due are generally classified as non-accrual. Corporate loans are considered past due when principal or interest is contractually due but unpaid. (2)Non-accrual loans generally include those loans that are 90 days or more past due or those loans for which Citi believes, based on actual experience and a forward-looking assessment of the collectibility of the loan in full, that the payment of interest and/or principal is doubtful. (3)Loans less than 30 days past due are presented as current. (4)The Total loans column includes loans at fair value, which are not included in the various delinquency columns and, therefore, the tables’ total rows will not cross-foot. (5)Excludes $53 million and $(72) million of unallocated portfolio-layer hedges cumulative basis adjustments at September 30, 2025 and December 31, 2024, respectively. N/A Not applicable Non-Accrual Corporate Loans
| September 30, 2025 | December 31, 2024
In millions of dollars | Recorded investment(1)(2) | Related specific allowance | Recorded investment(1)(2) | Related specific allowance
Non-accrual corporate loans with specific allowances |  |  |  |
Commercial and industrial | $ | 486 |  | $ | 123 |  | $ | 199 |  | $ | 86 |
Financial institutions | — |  | — |  | — |  | — |
Mortgage and real estate | 417 |  | 29 |  | 276 |  | 42 |
Other | 31 |  | 75 |  | 185 |  | 174 |
Total non-accrual corporate loans with specific allowances | $ | 934 |  | $ | 227 |  | $ | 660 |  | $ | 302 |
Non-accrual corporate loans without specific allowances |  |  |  |
Commercial and industrial | $ | 417 |  |  | $ | 343 |  |
Financial institutions | 77 |  |  | 73 |  |
Mortgage and real estate | 507 |  |  | 291 |  |
Lease financing | — |  |  | — |  |
Other | 136 |  |  | 10 |  |
Total non-accrual corporate loans without specific allowances | $ | 1,137 |  | N/A | $ | 717 |  | N/A
(1)Recorded investment in a loan includes net deferred loan fees and costs, unamortized premium or discount, less any direct write-downs. (2)Interest income recognized for the three and nine months ended September 30, 2025 was $3 million and $17 million, and for the three and nine months ended September 30, 2024 was $28 million and $58 million, respectively. N/A Not applicable
Schedule of loans credit quality indicators | Corporate Loan Credit Quality Indicators
| Recorded investment in loans(1)
| Term loans by year of origination | Revolving line of credit arrangements(2) |  | September 30, 2025 |
In millions of dollars | 2025 | 2024 | 2023 | 2022 | 2021 | Prior |
Investment grade(3) |  |  |  |  |  |  |  |  |  |
Commercial and industrial(4) | $ | 36,056 |  | $ | 10,143 |  | $ | 6,083 |  | $ | 4,389 |  | $ | 1,780 |  | $ | 4,292 |  | $ | 29,446 |  |  | $ | 92,189 |  |
Financial institutions(4) | 20,658 |  | 5,912 |  | 2,311 |  | 1,375 |  | 546 |  | 2,074 |  | 46,114 |  |  | 78,990 |  |
Mortgage and real estate | 3,760 |  | 4,942 |  | 3,635 |  | 2,431 |  | 1,678 |  | 1,960 |  | 418 |  |  | 18,824 |  |
Other(5) | 11,970 |  | 4,052 |  | 2,591 |  | 2,631 |  | 628 |  | 2,461 |  | 25,755 |  |  | 50,088 |  |
Total investment grade | $ | 72,444 |  | $ | 25,049 |  | $ | 14,620 |  | $ | 10,826 |  | $ | 4,632 |  | $ | 10,787 |  | $ | 101,733 |  |  | $ | 240,091 |  |
Non-investment grade(3) |  |  |  |  |  |  |  |  |  |
Accrual |  |  |  |  |  |  |  |  |  |
Commercial and industrial(4) | $ | 24,142 |  | $ | 5,546 |  | $ | 3,925 |  | $ | 2,418 |  | $ | 762 |  | $ | 2,573 |  | $ | 20,656 |  |  | $ | 60,022 |  |
Financial institutions(4) | 3,475 |  | 1,377 |  | 791 |  | 130 |  | 432 |  | 205 |  | 4,663 |  |  | 11,073 |  |
Mortgage and real estate | 760 |  | 901 |  | 1,482 |  | 1,317 |  | 1,091 |  | 1,681 |  | 571 |  |  | 7,803 |  |
Other(5) | 2,051 |  | 916 |  | 593 |  | 214 |  | 115 |  | 381 |  | 2,024 |  |  | 6,294 |  |
Non-accrual |  |  |  |  |  |  |  |  |  |
Commercial and industrial(4) | 72 |  | 35 |  | 98 |  | 54 |  | 44 |  | 59 |  | 541 |  |  | 903 |  |
Financial institutions | 8 |  | — |  | — |  | — |  | 45 |  | — |  | 24 |  |  | 77 |  |
Mortgage and real estate | 33 |  | 10 |  | 46 |  | 237 |  | 203 |  | 328 |  | 67 |  |  | 924 |  |
Other(5) | 43 |  | 15 |  | 20 |  | — |  | 63 |  | 5 |  | 21 |  |  | 167 |  |
Total non-investment grade | $ | 30,584 |  | $ | 8,800 |  | $ | 6,955 |  | $ | 4,370 |  | $ | 2,755 |  | $ | 5,232 |  | $ | 28,567 |  |  | $ | 87,263 |  |
Loans at fair value(6) |  |  |  |  |  |  |  |  | $ | 7,870 |  |
Corporate loans, net of unearned income(7) | $ | 103,028 |  | $ | 33,849 |  | $ | 21,575 |  | $ | 15,196 |  | $ | 7,387 |  | $ | 16,019 |  | $ | 130,300 |  |  | $ | 335,224 |  |
| Recorded investment in loans(1)
| Term loans by year of origination | Revolving line of credit arrangements(2) |  | December 31, 2024 |
In millions of dollars | 2024 | 2023 | 2022 | 2021 | 2020 | Prior |
Investment grade(3) |  |  |  |  |  |  |  |  |  |
Commercial and industrial(4) | $ | 36,039 |  | $ | 8,101 |  | $ | 5,035 |  | $ | 2,492 |  | $ | 1,225 |  | $ | 4,853 |  | $ | 32,862 |  |  | $ | 90,607 |  |
Financial institutions(4) | 13,074 |  | 2,136 |  | 1,162 |  | 326 |  | 265 |  | 1,500 |  | 41,415 |  |  | 59,878 |  |
Mortgage and real estate | 5,325 |  | 3,927 |  | 3,269 |  | 2,537 |  | 1,460 |  | 1,533 |  | 248 |  |  | 18,299 |  |
Other(5) | 5,773 |  | 2,643 |  | 4,036 |  | 822 |  | 1,156 |  | 5,578 |  | 24,623 |  |  | 44,631 |  |
Total investment grade | $ | 60,211 |  | $ | 16,807 |  | $ | 13,502 |  | $ | 6,177 |  | $ | 4,106 |  | $ | 13,464 |  | $ | 99,148 |  |  | $ | 213,415 |  |
Non-investment grade(3) |  |  |  |  |  |  |  |  |  |
Accrual |  |  |  |  |  |  |  |  |  |
Commercial and industrial(4) | $ | 24,937 |  | $ | 5,082 |  | $ | 3,576 |  | $ | 1,583 |  | $ | 318 |  | $ | 2,560 |  | $ | 19,468 |  |  | $ | 57,524 |  |
Financial institutions(4) | 4,103 |  | 529 |  | 255 |  | 655 |  | 41 |  | 355 |  | 2,489 |  |  | 8,427 |  |
Mortgage and real estate | 801 |  | 1,112 |  | 1,936 |  | 1,400 |  | 770 |  | 1,190 |  | 472 |  |  | 7,681 |  |
Other(5) | 1,227 |  | 592 |  | 427 |  | 261 |  | 190 |  | 274 |  | 2,304 |  |  | 5,275 |  |
Non-accrual |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 43 |  | 78 |  | 48 |  | 17 |  | 7 |  | 44 |  | 305 |  |  | 542 |  |
Financial institutions(4) | — |  | — |  | — |  | 55 |  | — |  | — |  | 18 |  |  | 73 |  |
Mortgage and real estate | 16 |  | 2 |  | 104 |  | 107 |  | 28 |  | 279 |  | 31 |  |  | 567 |  |
Other(5) | 1 |  | — |  | 1 |  | 18 |  | — |  | 19 |  | 156 |  |  | 195 |  |
Total non-investment grade | $ | 31,128 |  | $ | 7,395 |  | $ | 6,347 |  | $ | 4,096 |  | $ | 1,354 |  | $ | 4,721 |  | $ | 25,243 |  |  | $ | 80,284 |  |
Loans at fair value(6) |  |  |  |  |  |  |  |  | $ | 7,759 |  |
Corporate loans, net of unearned income(7) | $ | 91,339 |  | $ | 24,201 |  | $ | 19,849 |  | $ | 10,274 |  | $ | 5,460 |  | $ | 18,185 |  | $ | 124,391 |  |  | $ | 301,458 |  |
(1)Recorded investment in a loan includes net deferred loan fees and costs, unamortized premium or discount, less any direct write-downs. (2)There were no significant revolving line of credit arrangements that converted to term loans during the period. (3)Held-for-investment loans are accounted for on an amortized cost basis. (4)Includes certain short-term loans with less than one year in tenor. (5)Other includes installment and other, lease financing and loans to governments and official institutions. (6)Loans at fair value include loans to commercial and industrial, financial institutions, mortgage and real estate and other. (7)Excludes $53 million and $(72) million of unallocated portfolio-layer hedges cumulative basis adjustments at September 30, 2025 and December 31, 2024, respectively. The table below details gross credit losses recognized during the nine months ended September 30, 2025, by year of loan origination:
| For the Nine Months Ended September 30, 2025
In millions of dollars | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving line of credit arrangement | Total
Commercial and industrial | $ | 12 |  | $ | 4 |  | $ | — |  | $ | — |  | $ | — |  | $ | 6 |  | $ | 97 |  | $ | 119 |
Financial institutions | — |  | — |  | — |  | — |  | — |  | — |  | 9 |  | 9 |
Mortgage and real estate | — |  | — |  | — |  | — |  | — |  | 9 |  | 7 |  | 16 |
Other(1) | 6 |  | — |  | 141 |  | — |  | 62 |  | 2 |  | 21 |  | 232 |
Total | $ | 18 |  | $ | 4 |  | $ | 141 |  | $ | — |  | $ | 62 |  | $ | 17 |  | $ | 134 |  | $ | 376 |
The table below details gross credit losses recognized during the nine months ended September 30, 2024, by year of loan origination:
| For the Nine Months Ended September 30, 2024
In millions of dollars | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving line of credit arrangement | Total
Commercial and industrial | $ | 10 |  | $ | 2 |  | $ | 3 |  | $ | 9 |  | $ | 4 |  | $ | 15 |  | $ | 167 |  | $ | 210 |
Financial institutions | — |  | — |  | — |  | — |  | — |  | 1 |  | 9 |  | 10 |
Mortgage and real estate | 1 |  | 37 |  | 11 |  | — |  | — |  | 84 |  | 22 |  | 155 |
Other(1) | — |  | — |  | — |  | — |  | — |  | 16 |  | 29 |  | 45 |
Total | $ | 11 |  | $ | 39 |  | $ | 14 |  | $ | 9 |  | $ | 4 |  | $ | 116 |  | $ | 227 |  | $ | 420 |
(1) Other includes installment and other, lease financing and loans to governments and official institutions.
Loan modifications to borrowers experiencing financial difficulty | The following tables detail corporate loan modifications granted during the three and nine months ended September 30, 2025 and 2024 to borrowers experiencing financial difficulty by type of modification granted and the financial effect of those modifications. Citi defines a corporate loan modification to a borrower experiencing financial difficulty as a modification of a loan classified as substandard or worse at the time of modification.
| For the Three and Nine Months Ended September 30, 2025 |
In millions of dollars, except weighted-average term extension | Total modifications balance at September 30, 2025(1)(2)(3) |  |  | Term extension |  | Combination: Term extension and payment delay(4) | Weighted-average term extension (months) |
Three Months Ended September 30, 2025 |  |  |  |  |  |  |  |
Commercial and industrial | $ | 76 |  |  |  | $ | 76 |  |  | $ | — |  | 12 |
Financial institutions | — |  |  |  | — |  |  | — |  | — |  |
Mortgage and real estate | — |  |  |  | — |  |  | — |  | — |  |
Other(5) | — |  |  |  | — |  |  | — |  | — |  |
Total | $ | 76 |  |  |  | $ | 76 |  |  | $ | — |  |  |
Nine Months Ended September 30, 2025 |  |  |  |  |  |  |  |
Commercial and industrial | $ | 141 |  |  |  | $ | 141 |  |  | $ | — |  | 10 |
Financial institutions | — |  |  |  | — |  |  | — |  | — |  |
Mortgage and real estate | — |  |  |  | — |  |  | — |  | — |  |
Other(5) | — |  |  |  | — |  |  | — |  | — |  |
Total | $ | 141 |  |  |  | $ | 141 |  |  | $ | — |  |  |
| For the Three and Nine Months Ended September 30, 2024 |
In millions of dollars, except weighted-average term extension | Total modifications balance at September 30, 2024(1)(2)(3) |  |  | Term extension |  | Combination: Term extension and payment delay(4) | Weighted-average term extension (months) |
Three Months Ended September 30, 2024 |  |  |  |  |  |  |  |
Commercial and industrial | $ | 4 |  |  |  | $ | 4 |  |  | $ | — |  | 6 |
Financial institutions | — |  |  |  | — |  |  | — |  | — |  |
Mortgage and real estate | 49 |  |  |  | 49 |  |  | — |  | 6 |
Other(5) | — |  |  |  | — |  |  | — |  | — |  |
Total | $ | 53 |  |  |  | $ | 53 |  |  | $ | — |  |  |
Nine Months Ended September 30, 2024 |  |  |  |  |  |  |  |
Commercial and industrial | $ | 107 |  |  |  | $ | 107 |  |  | $ | — |  | 11 |
Financial institutions | — |  |  |  | — |  |  | — |  | — |  |
Mortgage and real estate | 130 |  |  |  | 130 |  |  | — |  | 7 |
Other(5) | — |  |  |  | — |  |  | — |  | — |  |
Total | $ | 237 |  |  |  | $ | 237 |  |  | $ | — |  |  |
(1)The above table reflects activity for loans outstanding as of the end of the reporting period. The balances are not significant as a percentage of the total carrying values of loans by class of receivable as of September 30, 2025 and 2024. (2)Commitments to lend to borrowers experiencing financial difficulty that were granted modifications totaled $105 million and $924 million as of September 30, 2025 and 2024, respectively. (3)The allowance for corporate loans, including modified loans, is based on the borrower’s overall financial performance. Charge-offs for amounts deemed uncollectible may be recorded at the time of the modification or may have already been recorded in prior periods such that no charge-off is required at the time of modification. (4)Payment delays either for principal or interest payments had an immaterial financial impact. (5)Other includes installment and other, lease financing and loans to governments and official institutions. The following tables present the delinquencies of modified corporate loans to borrowers experiencing financial difficulty. It includes loans that were modified during the 12 months ended September 30, 2025 and December 31, 2024:
|  | As of September 30, 2025(1)
In millions of dollars |  | Total | Current | 30–89 days past due | 90+ days past due
Commercial and industrial |  | $ | 251 |  | $ | 250 |  | $ | 1 |  | $ | — |
Financial institutions |  | — |  | — |  | — |  | — |
Mortgage and real estate |  | 14 |  | 14 |  | — |  | — |
Other(2) |  | — |  | — |  | — |  | — |
Total |  | $ | 265 |  | $ | 264 |  | $ | 1 |  | $ | — |
|  | As of December 31, 2024(1)
In millions of dollars |  | Total | Current | 30–89 days past due | 90+ days past due
Commercial and industrial |  | $ | 251 |  | $ | 251 |  | $ | — |  | $ | — |
Financial institutions |  | — |  | — |  | — |  | — |
Mortgage and real estate |  | 105 |  | 105 |  | — |  | — |
Other(2) |  | — |  | — |  | — |  | — |
Total |  | $ | 356 |  | $ | 356 |  | $ | — |  | $ | — |
(1)Corporate loans are generally not modified as a result of their delinquency status; rather, they are modified because of events that have impacted the overall financial performance of the borrower. Corporate loans, if past due, are re-aged to current status upon modification. (2)Other includes installment and other, lease financing and loans to governments and official institutions.
Consumer loans |
Financing Receivable, Credit Quality Indicator [Line Items] |
Schedule of loan delinquency and non-accrual details by type | The following tables provide Citi’s consumer loans by type: Consumer Loans, Delinquencies and Non-Accrual Status at September 30, 2025
In millions of dollars | Total current(1)(2) | 30–89 days past due(3) | ≥ 90 days past due(3) | Past due government guaranteed(4) | Total loans | Non-accrual loans for which there is no ACLL | Non-accrual loans for which there is an ACLL | Total non-accrual | 90 days past due and accruing
In North America offices(5) |  |  |  |  |  |  |  |  |
Residential first mortgages(6) | $ | 116,633 |  | $ | 413 |  | $ | 548 |  | $ | 205 |  | $ | 117,799 |  | $ | 134 |  | $ | 589 |  | $ | 723 |  | $ | 110 |
Home equity loans(7)(8) | 2,848 |  | 28 |  | 40 |  | — |  | 2,916 |  | 22 |  | 89 |  | 111 |  | — |
Credit cards | 162,786 |  | 2,283 |  | 2,377 |  | — |  | 167,446 |  | — |  | — |  | — |  | 2,377 |
Personal, small business and other(9) | 32,308 |  | 95 |  | 31 |  | — |  | 32,434 |  | 5 |  | 167 |  | 172 |  | — |
Total | $ | 314,575 |  | $ | 2,819 |  | $ | 2,996 |  | $ | 205 |  | $ | 320,595 |  | $ | 161 |  | $ | 845 |  | $ | 1,006 |  | $ | 2,487 |
In offices outside North America(5) |  |  |  |  |  |  |  |  |
Residential mortgages(6) | $ | 23,959 |  | $ | 46 |  | $ | 73 |  | $ | — |  | $ | 24,078 |  | $ | — |  | $ | 177 |  | $ | 177 |  | $ | — |
Credit cards | 13,230 |  | 238 |  | 286 |  | — |  | 13,754 |  | — |  | 283 |  | 283 |  | 91 |
Personal, small business and other(9) | 39,450 |  | 119 |  | 40 |  | — |  | 39,609 |  | — |  | 141 |  | 141 |  | — |
Total | $ | 76,639 |  | $ | 403 |  | $ | 399 |  | $ | — |  | $ | 77,441 |  | $ | — |  | $ | 601 |  | $ | 601 |  | $ | 91 |
Total excluding portfolio-layer hedges cumulative basis adjustments | $ | 391,214 |  | $ | 3,222 |  | $ | 3,395 |  | $ | 205 |  | $ | 398,036 |  | $ | 161 |  | $ | 1,446 |  | $ | 1,607 |  | $ | 2,578 |
Unallocated portfolio-layer hedges cumulative basis adjustments(10) |  |  |  |  | $ | 592 |  |  |  |  |
Total Citigroup(11)(12) |  |  |  |  | $ | 398,628 |  |  |  |  |
Consumer Loans, Delinquencies and Non-Accrual Status at December 31, 2024
In millions of dollars | Total current(1)(2) | 30–89 days past due(3) | ≥ 90 days past due(3) | Past due government guaranteed(4) | Total loans | Non-accrual loans for which there is no ACLL | Non-accrual loans for which there is an ACLL | Total non-accrual | 90 days past due and accruing
In North America offices(5) |  |  |  |  |  |  |  |  |
Residential first mortgages(6) | $ | 113,613 |  | $ | 397 |  | $ | 349 |  | $ | 234 |  | $ | 114,593 |  | $ | 114 |  | $ | 409 |  | $ | 523 |  | $ | 128 |
Home equity loans(7)(8) | 3,060 |  | 23 |  | 58 |  | — |  | 3,141 |  | 25 |  | 114 |  | 139 |  | — |
Credit cards | 166,021 |  | 2,333 |  | 2,705 |  | — |  | 171,059 |  | — |  | — |  | — |  | 2,705 |
Personal, small business and other(9) | 33,010 |  | 94 |  | 50 |  | 1 |  | 33,155 |  | 7 |  | 154 |  | 161 |  | 2 |
Total | $ | 315,704 |  | $ | 2,847 |  | $ | 3,162 |  | $ | 235 |  | $ | 321,948 |  | $ | 146 |  | $ | 677 |  | $ | 823 |  | $ | 2,835 |
In offices outside North America(5) |  |  |  |  |  |  |  |  |
Residential mortgages(6) | $ | 24,358 |  | $ | 38 |  | $ | 60 |  | $ | — |  | $ | 24,456 |  | $ | — |  | $ | 155 |  | $ | 155 |  | $ | — |
Credit cards | 12,523 |  | 190 |  | 214 |  | — |  | 12,927 |  | — |  | 211 |  | 211 |  | 72 |
Personal, small business and other(9) | 33,859 |  | 100 |  | 36 |  | — |  | 33,995 |  | — |  | 121 |  | 121 |  | — |
Total | $ | 70,740 |  | $ | 328 |  | $ | 310 |  | $ | — |  | $ | 71,378 |  | $ | — |  | $ | 487 |  | $ | 487 |  | $ | 72 |
Total excluding portfolio-layer hedges cumulative basis adjustments | $ | 386,444 |  | $ | 3,175 |  | $ | 3,472 |  | $ | 235 |  | $ | 393,326 |  | $ | 146 |  | $ | 1,164 |  | $ | 1,310 |  | $ | 2,907 |
Unallocated portfolio-layer hedges cumulative basis adjustments(10) |  |  |  |  | $ | (224) |  |  |  |  |
Total Citigroup(11)(12) |  |  |  |  | $ | 393,102 |  |  |  |  |
(1)Loans less than 30 days past due are presented as current. (2)Includes $26 million and $281 million at September 30, 2025 and December 31, 2024, respectively, of residential first mortgages recorded at fair value. (3)Excludes loans guaranteed by U.S. government-sponsored agencies. Excludes delinquencies on $25.2 billion and $21.6 billion of classifiably managed Private Bank loans in North America and outside North America, respectively, at September 30, 2025. Excludes delinquencies on $25.9 billion and $17.6 billion of classifiably managed Private Bank loans in North America and outside North America, respectively, at December 31, 2024. (4)Consists of loans that are guaranteed by U.S. government-sponsored agencies that are 30–89 days past due of $0.1 billion and $0.1 billion and 90 days or more past due of $0.1 billion and $0.1 billion at September 30, 2025 and December 31, 2024, respectively. (5)North America includes the U.S., Canada and Puerto Rico. Mexico is included in offices outside North America. (6)Includes approximately $0.1 billion and less than $0.1 billion of residential first mortgage loans in process of foreclosure in North America and outside North America, respectively, and $18.7 billion of residential mortgages outside North America related to Wealth at September 30, 2025. Includes approximately $0.2 billion and less than $0.1 billion of residential first mortgage loans in process of foreclosure in North America and outside North America, respectively, and $19.1 billion of residential mortgages outside North America related to Wealth at December 31, 2024. (7)Includes less than $0.1 billion and less than $0.1 billion at September 30, 2025 and December 31, 2024, respectively, of home equity loans in process of foreclosure. (8)Fixed-rate home equity loans and loans extended under home equity lines of credit, which are typically in junior lien positions. (9)As of September 30, 2025, Wealth in North America includes $27.4 billion of loans, of which $25.2 billion are classifiably managed with 80% rated investment grade, and Wealth outside North America includes $30.0 billion of loans, of which $21.6 billion are classifiably managed with 54% rated investment grade. As of December 31, 2024, Wealth in North America includes $28.1 billion of loans, of which $25.9 billion are classifiably managed with 83% rated investment grade, and Wealth outside North America includes $25.4 billion of loans, of which $17.6 billion are classifiably managed with 56% rated investment grade. Such loans are presented as “current” above. (10)Represents fair value hedge basis adjustments related to portfolio-layer method hedges of mortgage and real estate loans, which are not allocated to individual loans in the portfolio. See Note 22. (11)Consumer loans were net of unearned income of $939 million and $889 million at September 30, 2025 and December 31, 2024, respectively. Unearned income on consumer loans primarily represents loan origination fees, net of certain direct origination costs, that are deferred and recognized as Interest income over the lives of the related loans. (12)Not included in the balances above is approximately $1 billion and $1 billion of accrued interest receivable at September 30, 2025 and December 31, 2024, respectively, which is included in Other assets on the Consolidated Balance Sheet, except for credit card loans (which include accrued interest and fees). During the three and nine months ended September 30, 2025, the Company reversed accrued interest (primarily related to credit cards) of approximately $0.4 billion and $1.4 billion, respectively. During the three and nine months ended September 30, 2024, the Company reversed accrued interest (primarily related to credit cards) of approximately $0.4 billion and $1.2 billion, respectively. These reversals of accrued interest are reflected as a reduction to Interest income in the Consolidated Statement of Income. Interest Income Recognized for Non-Accrual Consumer Loans
In millions of dollars | Three Months Ended September 30, 2025 | Three Months Ended September 30, 2024 | Nine Months Ended September 30, 2025 | Nine Months Ended September 30, 2024
In North America offices(1) |  |  |  |
Residential first mortgages | $ | 3 |  | $ | 2 |  | $ | 7 |  | $ | 7 |
Home equity loans | 1 |  | 1 |  | 3 |  | 4 |
Personal, small business and other | — |  | 1 |  | 1 |  | 1 |
Total | $ | 4 |  | $ | 4 |  | $ | 11 |  | $ | 12 |
In offices outside North America(1) |  |  |  |
Residential mortgages | $ | 3 |  | $ | 2 |  | $ | 7 |  | $ | 7 |
Personal, small business and other | — |  | — |  | 1 |  | 1 |
Total | $ | 3 |  | $ | 2 |  | $ | 8 |  | $ | 8 |
Total Citigroup | $ | 7 |  | $ | 6 |  | $ | 19 |  | $ | 20 |
(1)North America includes the U.S., Canada and Puerto Rico. Mexico is included in offices outside North America.
Schedule of loans credit quality indicators | The following tables provide details on the Fair Isaac Corporation (FICO) scores for Citi’s U.S. consumer loan portfolio based on end-of-period receivables by year of origination. FICO scores are updated monthly for substantially all of the portfolio or, otherwise, on a quarterly basis for the remaining portfolio. Loans that did not have FICO scores as of the prior period have been updated with FICO scores as they become available. With respect to Citi’s consumer loan portfolio outside of the U.S. as of September 30, 2025 and December 31, 2024 ($79.4 billion and $72.5 billion, respectively), various country-specific or regional credit risk metrics and acquisition and behavior scoring models are leveraged as one of the factors to evaluate the credit quality of customers (see “Consumer Loans and Ratios Outside of North America” below). As a result, details of relevant credit quality indicators for those loans are not comparable to the below FICO score distribution for the U.S. portfolio.
FICO score distribution—U.S. portfolio | September 30, 2025
In millions of dollars | Less than 660 | 660 to 739 | Greater than or equal to 740 | Classifiably managed(1) | FICO not available(2) | Total loans
Residential first mortgages |  |  |  |  |  |
2025 | $ | 91 |  | $ | 1,603 |  | $ | 9,348 |  |  |  |
2024 | 151 |  | 1,770 |  | 8,988 |  |  |  |
2023 | 210 |  | 2,111 |  | 11,884 |  |  |  |
2022 | 344 |  | 3,022 |  | 15,372 |  |  |  |
2021 | 346 |  | 2,488 |  | 14,117 |  |  |  |
Prior | 1,715 |  | 6,264 |  | 30,830 |  |  |  |
Total residential first mortgages | $ | 2,857 |  | $ | 17,258 |  | $ | 90,539 |  | $ | — |  | $ | 7,145 |  | $ | 117,799 |
Home equity line of credit (pre-reset) | $ | 240 |  | $ | 702 |  | $ | 1,512 |  |  |  |
Home equity line of credit (post-reset) | 60 |  | 76 |  | 70 |  |  |  |
Home equity term loans | 40 |  | 75 |  | 97 |  |  |  |
2025 | — |  | — |  | — |  |  |  |
2024 | — |  | — |  | — |  |  |  |
2023 | — |  | — |  | — |  |  |  |
2022 | — |  | — |  | — |  |  |  |
2021 | — |  | — |  | 1 |  |  |  |
Prior | 40 |  | 75 |  | 96 |  |  |  |
Total home equity loans | $ | 340 |  | $ | 853 |  | $ | 1,679 |  | $ | — |  | $ | 44 |  | $ | 2,916 |
Credit cards | $ | 22,826 |  | $ | 58,363 |  | $ | 81,063 |  |  |  |
Revolving loans converted to term loans(3) | 1,660 |  | 805 |  | 155 |  |  |  |
Total credit cards(4) | $ | 24,486 |  | $ | 59,168 |  | $ | 81,218 |  | $ | — |  | $ | 2,002 |  | $ | 166,874 |
Personal, small business and other |  |  |  |  |  |
2025 | $ | 47 |  | $ | 219 |  | $ | 754 |  |  |  |
2024 | 146 |  | 349 |  | 789 |  |  |  |
2023 | 101 |  | 173 |  | 307 |  |  |  |
2022 | 79 |  | 95 |  | 133 |  |  |  |
2021 | 13 |  | 17 |  | 21 |  |  |  |
Prior | 90 |  | 138 |  | 136 |  |  |  |
Total personal, small business and other(5)(6) | $ | 476 |  | $ | 991 |  | $ | 2,140 |  | $ | 25,223 |  | $ | 2,772 |  | $ | 31,602 |
Total(7) | $ | 28,159 |  | $ | 78,270 |  | $ | 175,576 |  | $ | 25,223 |  | $ | 11,963 |  | $ | 319,191 |
FICO score distribution—U.S. portfolio | December 31, 2024
In millions of dollars | Less than 660 | 660 to 739 | Greater than or equal to 740 | Classifiably managed(1) | FICO not available(2) | Total loans
Residential first mortgages |  |  |  |  |  |
2024 | $ | 123 |  | $ | 2,213 |  | $ | 10,308 |  |  |  |
2023 | 223 | 2,451 | 12,936 |  |  |
2022 | 354 | 3,272 | 16,034 |  |  |
2021 | 312 | 2,745 | 14,651 |  |  |
2020 | 298 | 1,990 | 12,245 |  |  |
Prior | 1,473 | 5,034 | 20,573 |  |  |
Total residential first mortgages | $ | 2,783 |  | $ | 17,705 |  | $ | 86,747 |  | $ | — |  | $ | 7,358 |  | $ | 114,593 |
Home equity line of credit (pre-reset) | $ | 266 |  | $ | 764 |  | $ | 1,597 |  |  |  |
Home equity line of credit (post-reset) | 58 |  | 80 |  | 75 |  |  |  |
Home equity term loans | 45 |  | 87 |  | 114 |  |  |  |
2024 | — |  | — |  | — |  |  |  |
2023 | — |  | — |  | — |  |  |  |
2022 | — |  | — |  | — |  |  |  |
2021 | — |  | — |  | 1 |  |  |  |
2020 | — |  | 1 |  | 2 |  |  |  |
Prior | 45 |  | 86 |  | 111 |  |  |  |
Total home equity loans | $ | 369 |  | $ | 931 |  | $ | 1,786 |  | $ | — |  | $ | 55 |  | $ | 3,141 |
Credit cards | $ | 22,855 |  | $ | 59,574 |  | $ | 83,935 |  |  |  |
Revolving loans converted to term loans(3) | 1,462 |  | 668 |  | 129 |  |  |  |
Total credit cards(4) | $ | 24,317 |  | $ | 60,242 |  | $ | 84,064 |  | $ | — |  | $ | 1,874 |  | $ | 170,497 |
Personal, small business and other |  |  |  |  |  |
2024 | $ | 96 |  | $ | 398 |  | $ | 1,219 |  |  |  |
2023 | 132 |  | 282 |  | 577 |  |  |  |
2022 | 131 |  | 180 |  | 271 |  |  |  |
2021 | 28 |  | 38 |  | 54 |  |  |  |
2020 | 2 |  | 2 |  | 4 |  |  |  |
Prior | 94 |  | 152 |  | 150 |  |  |  |
Total personal, small business and other(5)(6) | $ | 483 |  | $ | 1,052 |  | $ | 2,275 |  | $ | 25,860 |  | $ | 2,730 |  | $ | 32,400 |
Total(7) | $ | 27,952 |  | $ | 79,930 |  | $ | 174,872 |  | $ | 25,860 |  | $ | 12,017 |  | $ | 320,631 |
(1) These personal, small business and other loans without a FICO score available include $25.2 billion and $25.9 billion of Private Bank loans as of September 30, 2025 and December 31, 2024, respectively, which are classifiably managed within Wealth and are primarily evaluated for credit risk based on their internal risk ratings. As of September 30, 2025 and December 31, 2024, approximately 80% and 83% of these loans, respectively, were rated investment grade. (2) FICO scores not available are primarily driven by loans associated with clients whose underlying properties are held in trusts or LLCs, for non-U.S. citizens, and loans guaranteed by government-sponsored entities, for which FICO scores are generally not considered by Citi. (3) Not included in the tables above are $50 million and $33 million of revolving credit card loans outside of the U.S. that were converted to term loans as of September 30, 2025 and December 31, 2024, respectively. (4) Excludes $572 million and $562 million of balances related to Canada for September 30, 2025 and December 31, 2024, respectively. (5) Excludes $833 million and $755 million of balances related to Canada for September 30, 2025 and December 31, 2024, respectively. (6) Includes approximately $16 million and $22 million of personal revolving loans that were converted to term loans for September 30, 2025 and December 31, 2024, respectively. (7) Excludes $592 million and $(224) million of unallocated portfolio-layer hedges cumulative basis adjustments at September 30, 2025 and December 31, 2024, respectively. Consumer Gross Credit Losses The following tables provide details on gross credit losses recognized during the nine months ended September 30, 2025 and 2024, by year of loan origination:
In millions of dollars | Nine Months Ended September 30, 2025 |
Residential first mortgages |  |
2025 | $ | — |  |
2024 | 5 |  |
2023 | 3 |  |
2022 | 12 |  |
2021 | 4 |  |
Prior | 43 |  |
Total residential first mortgages | $ | 67 |  |
Home equity line of credit (pre-reset) | $ | 4 |  |
Home equity line of credit (post-reset) | 1 |  |
Home equity term loans | — |  |
Total home equity loans | $ | 5 |  |
Credit cards | $ | 7,034 |  |
Revolving loans converted to term loans | 230 |  |
Total credit cards | $ | 7,264 |  |
Personal, small business and other |  |
2025 | $ | 129 |  |
2024 | 190 |  |
2023 | 129 |  |
2022 | 73 |  |
2021 | 29 |  |
Prior | 113 |  |
Total personal, small business and other | $ | 663 |  |
Total Citigroup | $ | 7,999 |  |
In millions of dollars | Nine Months Ended September 30, 2024
Residential first mortgages |
2024 | $ | — |
2023 | 1 |
2022 | — |
2021 | — |
2020 | — |
Prior | 27 |
Total residential first mortgages | $ | 28 |
Home equity line of credit (pre-reset) | $ | 5 |
Home equity line of credit (post-reset) | 1 |
Home equity term loans | 1 |
Total home equity loans | $ | 7 |
Credit cards | $ | 6,787 |
Revolving loans converted to term loans | 188 |
Total credit cards | $ | 6,975 |
Personal, small business and other |
2024 | $ | 101 |
2023 | 152 |
2022 | 131 |
2021 | 51 |
2020 | 20 |
Prior | 129 |
Total personal, small business and other | $ | 584 |
Total Citigroup | $ | 7,594 |
The following tables provide details on the LTV ratios for Citi’s U.S. consumer mortgage portfolios by year of origination. LTV ratios are updated monthly using the most recent Core Logic Home Price Index data available for substantially all of the portfolio, applied at the Metropolitan Statistical Area level, if available, or the state level if not. The remainder of the portfolio is updated in a similar manner using the Federal Housing Finance Agency indices.
LTV distribution—U.S. portfolio(1) | September 30, 2025
In millions of dollars | Less than or equal to 80% | > 80% but less than or equal to 100% | Greater than 100% | LTV not available(1) | Total
Residential first mortgages |  |  |  |  |
2025 | $ | 8,458 |  | $ | 2,741 |  | $ | — |  |  |
2024 | 9,059 |  | 2,166 |  | 1 |  |  |
2023 | 13,389 |  | 1,289 |  | 3 |  |  |
2022 | 18,429 |  | 1,397 |  | 24 |  |  |
2021 | 17,742 |  | 281 |  | 6 |  |  |
Prior | 41,403 |  | 402 |  | 28 |  |  |
Total residential first mortgages | $ | 108,480 |  | $ | 8,276 |  | $ | 62 |  | $ | 981 |  | $ | 117,799 |
Home equity loans (pre-reset) | $ | 2,380 |  | $ | 42 |  | $ | 34 |  |  |
Home equity loans (post-reset) | 383 |  | 13 |  | 22 |  |  |
Total home equity loans | $ | 2,763 |  | $ | 55 |  | $ | 56 |  | $ | 42 |  | $ | 2,916 |
Total(2) | $ | 111,243 |  | $ | 8,331 |  | $ | 118 |  | $ | 1,023 |  | $ | 120,715 |
LTV distribution—U.S. portfolio(1) | December 31, 2024
In millions of dollars | Less than or equal to 80% | > 80% but less than or equal to 100% | Greater than 100% | LTV not available(1) | Total
Residential first mortgages |  |  |  |  |
2024 | $ | 9,196 |  | $ | 3,550 |  | $ | 1 |  |  |
2023 | 13,973 |  | 2,036 |  | 2 |  |  |
2022 | 18,546 |  | 2,078 |  | 42 |  |  |
2021 | 18,247 |  | 472 |  | 33 |  |  |
2020 | 15,434 |  | 226 |  | 1 |  |  |
Prior | 28,797 |  | 351 |  | 25 |  |  |
Total residential first mortgages | $ | 104,193 |  | $ | 8,713 |  | $ | 104 |  | $ | 1,583 |  | $ | 114,593 |
Home equity loans (pre-reset) | $ | 2,514 |  | $ | 26 |  | $ | 45 |  |  |
Home equity loans (post-reset) | 435 |  | 3 |  | 9 |  |  |
Total home equity loans | $ | 2,949 |  | $ | 29 |  | $ | 54 |  | $ | 109 |  | $ | 3,141 |
Total(2) | $ | 107,142 |  | $ | 8,742 |  | $ | 158 |  | $ | 1,692 |  | $ | 117,734 |
(1)Residential first mortgages with no LTV information available include government-guaranteed loans that do not require LTV information for credit risk assessment and fair value loans. (2)Excludes $592 million and $(224) million of unallocated portfolio-layer cumulative basis adjustments at September 30, 2025 and December 31, 2024, respectively. The following tables provide details on the LTV ratios for Citi’s consumer mortgage portfolio outside of the U.S. by year of origination:
LTV distribution—outside of U.S. portfolio(1) | September 30, 2025
In millions of dollars | Less than or equal to 80% | > 80% but less than or equal to 100% | Greater than 100% | LTV not available | Total
Residential mortgages |  |  |  |  |
2025 | $ | 1,847 |  | $ | 165 |  | $ | — |  |  |
2024 | 2,805 |  | 341 |  | — |  |  |
2023 | 2,100 |  | 598 |  | 346 |  |  |
2022 | 2,337 |  | 556 |  | 539 |  |  |
2021 | 2,244 |  | 534 |  | 499 |  |  |
Prior | 8,107 |  | 449 |  | 127 |  |  |
Total | $ | 19,440 |  | $ | 2,643 |  | $ | 1,511 |  | $ | 484 |  | $ | 24,078 |
LTV distribution—outside of U.S. portfolio(1) | December 31, 2024
In millions of dollars | Less than or equal to 80% | > 80% but less than or equal to 100% | Greater than 100% | LTV not available | Total
Residential mortgages |  |  |  |  |
2024 | $ | 2,808 |  | $ | 421 |  | $ | — |  |  |
2023 | 2,406 |  | 654 |  | 412 |  |  |
2022 | 2,579 |  | 462 |  | 698 |  |  |
2021 | 2,505 |  | 426 |  | 657 |  |  |
2020 | 1,739 |  | 326 |  | 176 |  |  |
Prior | 7,642 |  | 148 |  | 8 |  |  |
Total | $ | 19,679 |  | $ | 2,437 |  | $ | 1,951 |  | $ | 389 |  | $ | 24,456 |
(1)Mortgage portfolios outside of the U.S. are primarily in Wealth. As of September 30, 2025 and December 31, 2024, mortgage portfolios outside of the U.S. had an average LTV of approximately 57% and 58%, respectively. Consumer Loans and Ratios Outside of North America
|  |  |  |  | Delinquency-managed loans and ratios |
In millions of dollars at September 30, 2025 |  |  | Total loans outside of North America(1) | Classifiably managed loans(2) | Delinquency-managed loans | 30–89 days past due ratio | ≥ 90 days past due ratio | 3Q25 NCL ratio | 3Q24 NCL ratio |
Residential mortgages(3) |  |  | $ | 24,078 |  | $ | — |  | $ | 24,078 |  | 0.19 | % | 0.30 | % | 0.10 | % | 0.03 | % |
Credit cards |  |  | 13,754 |  | — |  | 13,754 |  | 1.73 |  | 2.08 |  | 5.98 |  | 4.68 |  |
Personal, small business and other(4) |  |  | 39,609 |  | 21,562 |  | 18,047 |  | 0.66 |  | 0.22 |  | 1.09 |  | 0.95 |  |
Total |  |  | $ | 77,441 |  | $ | 21,562 |  | $ | 55,879 |  | 0.72 | % | 0.71 | % | 1.67 | % | 1.29 | % |
|  |  |  |  | Delinquency-managed loans and ratios |  |  |
In millions of dollars at December 31, 2024 |  |  | Total loans outside of North America(1) | Classifiably managed loans(2) | Delinquency-managed loans | 30–89 days past due ratio | ≥ 90 days past due ratio |  |  |
Residential mortgages(3) |  |  | $ | 24,456 |  | $ | — |  | $ | 24,456 |  | 0.16 | % | 0.25 | % |  |  |
Credit cards |  |  | 12,927 |  | — |  | 12,927 |  | 1.47 |  | 1.66 |  |  |  |
Personal, small business and other(4) |  |  | 33,995 |  | 17,553 |  | 16,442 |  | 0.61 |  | 0.22 |  |  |  |
Total |  |  | $ | 71,378 |  | $ | 17,553 |  | $ | 53,825 |  | 0.61 | % | 0.58 | % |  |  |
(1) Mexico is included in offices outside of North America. (2) Classifiably managed loans are primarily evaluated for credit risk based on their internal risk classification. As of September 30, 2025 and December 31, 2024, approximately 54% and 56% of these loans, respectively, were rated investment grade. (3) Includes $18.7 billion and $19.1 billion as of September 30, 2025 and December 31, 2024, respectively, of residential mortgages related to Wealth. (4) Includes $30.0 billion and $25.4 billion as of September 30, 2025 and December 31, 2024, respectively, of loans related to Wealth.
Loan modifications to borrowers experiencing financial difficulty | The following tables provide details on permanent consumer loan modifications granted during the three and nine months ended September 30, 2025 and 2024 to borrowers experiencing financial difficulty by type of modification granted and the financial effect of those modifications:
|  |  |  |  | For the Three Months Ended September 30, 2025
In millions of dollars, except weighted averages |  | Modifications as % of loans | Total modifications balance at September 30, 2025(1)(2)(3) |  | Interest rate reduction | Term extension | Payment delay | Combination: interest rate reduction and term extension | Combination: term extension and payment delay | Combination: interest rate reduction, term extension and payment delay | Weighted-average interest rate reduction % | Weighted-average term extension (months) | Weighted-average delay in payments (months)
In North America offices(4) |  |  |  |  |  |  |  |  |  |  |
Residential first mortgages(5) |  | 0.03 | % | $ | 35 |  |  | $ | — |  | $ | 15 |  | $ | 14 |  | $ | 6 |  | $ | — |  | $ | — |  | — | % | 113 | 10
Home equity loans |  | — |  | — |  |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Credit cards |  | 0.28 |  | 467 |  |  | 467 |  | — |  | — |  | — |  | — |  | — |  | 24 |  | — |  | — |
Personal, small business and other |  | 0.02 |  | 8 |  |  | — |  | — |  | — |  | 8 |  | — |  | — |  | 8 |  | 19 | — |
Total |  | 0.16 | % | $ | 510 |  |  | $ | 467 |  | $ | 15 |  | $ | 14 |  | $ | 14 |  | $ | — |  | $ | — |  |  |  |
In offices outside North America(4) |  |  |  |  |  |  |  |  |  |  |
Residential mortgages |  | 0.04 | % | $ | 10 |  |  | $ | — |  | $ | — |  | $ | 8 |  | $ | 2 |  | $ | — |  | $ | — |  | 1 | % | 171 | 12
Credit cards |  | 0.06 |  | 8 |  |  | 7 |  | — |  | — |  | 1 |  | — |  | — |  | 26 |  | 21 | — |
Personal, small business and other |  | 0.03 |  | 13 |  |  | 4 |  | — |  | — |  | 9 |  | — |  | — |  | 7 |  | 21 | — |
Total |  | 0.04 | % | $ | 31 |  |  | $ | 11 |  | $ | — |  | $ | 8 |  | $ | 12 |  | $ | — |  | $ | — |  |  |  |
|  |  |  |  | For the Three Months Ended September 30, 2024
In millions of dollars, except weighted averages |  | Modifications as % of loans | Total modifications balance at September 30, 2024(1)(2)(3) |  | Interest rate reduction | Term extension | Payment delay | Combination: interest rate reduction and term extension | Combination: term extension and payment delay | Combination: interest rate reduction, term extension and payment delay | Weighted-average interest rate reduction % | Weighted-average term extension (months) | Weighted-average delay in payments (months)
In North America offices(4) |  |  |  |  |  |  |  |  |  |  |
Residential first mortgages(5) |  | 0.03 | % | $ | 29 |  |  | $ | 1 |  | $ | 13 |  | $ | 11 |  | $ | 4 |  | $ | — |  | $ | — |  | 1 | % | 145 | 10
Home equity loans |  | — |  | — |  |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Credit cards |  | 0.29 |  | 471 |  |  | 471 |  | — |  | — |  | — |  | — |  | — |  | 25 |  | — |  | — |
Personal, small business and other |  | 0.02 |  | 7 |  |  | — |  | — |  | — |  | 7 |  | — |  | — |  | 8 |  | 19 | — |
Total |  | 0.16 | % | $ | 507 |  |  | $ | 472 |  | $ | 13 |  | $ | 11 |  | $ | 11 |  | $ | — |  | $ | — |  |  |  |
In offices outside North America(4) |  |  |  |  |  |  |  |  |  |  |
Residential mortgages |  | 0.05 | % | $ | 13 |  |  | $ | — |  | $ | — |  | $ | 13 |  | $ | — |  | $ | — |  | $ | — |  | — | % | — |  | 12
Credit cards |  | 0.05 |  | 6 |  |  | 6 |  | — |  | — |  | — |  | — |  | — |  | 24 |  | — |  | — |
Personal, small business and other |  | 0.02 |  | 8 |  |  | 2 |  | 1 |  | — |  | 5 |  | — |  | — |  | 7 |  | 25 | — |
Total |  | 0.04 | % | $ | 27 |  |  | $ | 8 |  | $ | 1 |  | $ | 13 |  | $ | 5 |  | $ | — |  | $ | — |  |  |  |
(1) The above tables reflect activity for loans outstanding as of the end of the reporting period. During the three months ended September 30, 2025 and 2024, Citi granted forgiveness of less than $1 million and less than $1 million in residential first mortgage loans, $38 million and $30 million in credit card loans and $3 million and $1 million in personal, small business and other loans, respectively. As a result, there were no outstanding balances as of September 30, 2025 and 2024. (2) Commitments to lend to borrowers experiencing financial difficulty that were granted modifications included in the tables above were immaterial at September 30, 2025 and 2024. (3) For major consumer portfolios, the ACLL is based on macroeconomic-sensitive models that rely on historical performance and macroeconomic scenarios to forecast expected credit losses. Modifications of consumer loans impact expected credit losses by affecting the likelihood of default. (4) North America includes the U.S., Canada and Puerto Rico. Mexico is included in offices outside North America. (5) Excludes residential first mortgages discharged in Chapter 7 bankruptcy in the three months ended September 30, 2025 and 2024.
|  |  |  |  | For the Nine Months Ended September 30, 2025
In millions of dollars, except weighted averages |  | Modifications as % of loans | Total modifications balance at September 30, 2025(1)(2)(3) |  | Interest rate reduction | Term extension | Payment delay | Combination: interest rate reduction and term extension | Combination: term extension and payment delay | Combination: interest rate reduction, term extension and payment delay | Weighted-average interest rate reduction % | Weighted-average term extension (months) | Weighted-average delay in payments (months)
In North America offices(4) |  |  |  |  |  |  |  |  |  |  |
Residential first mortgages(5) |  | 0.30 | % | $ | 355 |  |  | $ | 1 |  | $ | 39 |  | $ | 299 |  | $ | 16 |  | $ | — |  | $ | — |  | — | % | 139 | 9
Home equity loans |  | 0.10 |  | 3 |  |  | — |  | — |  | 3 |  | — |  | — |  | — |  | — |  | — |  | 8
Credit cards |  | 0.71 |  | 1,196 |  |  | 1,195 |  | — |  | 1 |  | — |  | — |  | — |  | 25 |  | — |  | 4
Personal, small business and other |  | 0.08 |  | 25 |  |  | 1 |  | — |  | — |  | 24 |  | — |  | — |  | 8 |  | 19 | — |
Total |  | 0.49 | % | $ | 1,579 |  |  | $ | 1,197 |  | $ | 39 |  | $ | 303 |  | $ | 40 |  | $ | — |  | $ | — |  |  |  |
In offices outside North America(4) |  |  |  |  |  |  |  |  |  |  |
Residential mortgages |  | 0.13 | % | $ | 31 |  |  | $ | — |  | $ | — |  | $ | 27 |  | $ | 4 |  | $ | — |  | $ | — |  | 2 | % | 183 | 12
Credit cards |  | 0.15 |  | 20 |  |  | 19 |  | — |  | — |  | 1 |  | — |  | — |  | 24 |  | 21 | — |
Personal, small business and other |  | 0.07 |  | 28 |  |  | 7 |  | — |  | — |  | 21 |  | — |  | — |  | 6 |  | 25 | — |
Total |  | 0.10 | % | $ | 79 |  |  | $ | 26 |  | $ | — |  | $ | 27 |  | $ | 26 |  | $ | — |  | $ | — |  |  |  |
|  |  |  |  | For the Nine Months Ended September 30, 2024
In millions of dollars, except weighted averages |  | Modifications as % of loans | Total modifications balance at September 30, 2024(1)(2)(3) |  | Interest rate reduction | Term extension | Payment delay | Combination: interest rate reduction and term extension | Combination: term extension and payment delay | Combination: interest rate reduction, term extension and payment delay | Weighted-average interest rate reduction % | Weighted-average term extension (months) | Weighted-average delay in payments (months)
In North America offices(4) |  |  |  |  |  |  |  |  |  |  |
Residential first mortgages(5) |  | 0.07 | % | $ | 77 |  |  | $ | 1 |  | $ | 47 |  | $ | 22 |  | $ | 7 |  | $ | — |  | $ | — |  | 1 | % | 171 | 9
Home equity loans |  | 0.06 |  | 2 |  |  | — |  | — |  | 1 |  | 1 |  | — |  | — |  | 1 |  | 151 | 9
Credit cards |  | 0.69 |  | 1,122 |  |  | 1,122 |  | — |  | — |  | — |  | — |  | — |  | 24 |  | — |  | — |
Personal, small business and other |  | 0.05 |  | 18 |  |  | 1 |  | — |  | 1 |  | 16 |  | — |  | — |  | 8 |  | 18 | 7
Total |  | 0.39 | % | $ | 1,219 |  |  | $ | 1,124 |  | $ | 47 |  | $ | 24 |  | $ | 24 |  | $ | — |  | $ | — |  |  |  |
In offices outside North America(4) |  |  |  |  |  |  |  |  |  |  |
Residential mortgages |  | 0.16 | % | $ | 41 |  |  | $ | — |  | $ | — |  | $ | 39 |  | $ | 2 |  | $ | — |  | $ | — |  | 2 | % | 188 | 12
Credit cards |  | 0.11 |  | 14 |  |  | 14 |  | — |  | — |  | — |  | — |  | — |  | 24 |  | — |  | — |
Personal, small business and other |  | 0.06 |  | 21 |  |  | 4 |  | 4 |  | — |  | 13 |  | — |  | — |  | 7 |  | 24 | — |
Total |  | 0.10 | % | $ | 76 |  |  | $ | 18 |  | $ | 4 |  | $ | 39 |  | $ | 15 |  | $ | — |  | $ | — |  |  |  |
(1) The above tables reflect activity for loans outstanding as of the end of the reporting period. During the nine months ended September 30, 2025 and 2024, Citi granted forgiveness of $1 million and $2 million in residential first mortgage loans, $93 million and $58 million in credit card loans and $3 million and $2 million in personal, small business and other loans, respectively. As a result, there were no outstanding balances as of September 30, 2025 and 2024. (2) Commitments to lend to borrowers experiencing financial difficulty that were granted modifications included in the tables above were immaterial at September 30, 2025 and 2024. (3) For major consumer portfolios, the ACLL is based on macroeconomic-sensitive models that rely on historical performance and macroeconomic scenarios to forecast expected credit losses. Modifications of consumer loans impact expected credit losses by affecting the likelihood of default. (4) North America includes the U.S., Canada and Puerto Rico. Mexico is included in offices outside North America. (5) Excludes residential first mortgages discharged in Chapter 7 bankruptcy in the nine months ended September 30, 2025 and 2024. Performance of Modified Consumer Loans The following tables present the delinquencies and gross credit losses of permanently modified consumer loans to borrowers experiencing financial difficulty, including loans that were modified during the 12 months ended September 30, 2025 and the year ended December 31, 2024:
| As of September 30, 2025
In millions of dollars | Total | Current | 30–89 days past due | 90+ days past due | Gross credit losses
In North America offices(1) |  |  |  |  |
Residential first mortgages | $ | 378 |  | $ | 97 |  | $ | 24 |  | $ | 257 |  | $ | — |
Home equity loans | 4 |  | — |  | 1 |  | 3 |  | — |
Credit cards | 1,492 |  | 1,189 |  | 200 |  | 103 |  | 283 |
Personal, small business and other | 32 |  | 28 |  | 3 |  | 1 |  | 2 |
Total(2) | $ | 1,906 |  | $ | 1,314 |  | $ | 228 |  | $ | 364 |  | $ | 285 |
In offices outside North America(1) |  |  |  |  |
Residential mortgages | $ | 38 |  | $ | 34 |  | $ | 3 |  | $ | 1 |  | $ | 1 |
Credit cards | 29 |  | 25 |  | 3 |  | 1 |  | 1 |
Personal, small business and other | 30 |  | 26 |  | 4 |  | — |  | 1 |
Total(2) | $ | 97 |  | $ | 85 |  | $ | 10 |  | $ | 2 |  | $ | 3 |
| As of December 31, 2024
In millions of dollars | Total | Current | 30–89 days past due | 90+ days past due | Gross credit losses
In North America offices(1) |  |  |  |  |
Residential first mortgages | $ | 99 |  | $ | 40 |  | $ | 19 |  | $ | 40 |  | $ | — |
Home equity loans | 3 |  | 1 |  | — |  | 2 |  | — |
Credit cards | 1,432 |  | 1,081 |  | 211 |  | 140 |  | 291 |
Personal, small business and other | 25 |  | 22 |  | 2 |  | 1 |  | 2 |
Total(2) | $ | 1,559 |  | $ | 1,144 |  | $ | 232 |  | $ | 183 |  | $ | 293 |
In offices outside North America(1) |  |  |  |  |
Residential mortgages | $ | 37 |  | $ | 34 |  | $ | 2 |  | $ | 1 |  | $ | — |
Credit cards | 17 |  | 16 |  | 1 |  | — |  | — |
Personal, small business and other | 30 |  | 24 |  | 4 |  | 2 |  | 1 |
Total(2) | $ | 84 |  | $ | 74 |  | $ | 7 |  | $ | 3 |  | $ | 1 |
(1) North America includes the U.S., Canada and Puerto Rico. Mexico is included in offices outside North America. (2) Typically, upon modification a loan re-ages to current. However, FFIEC guidelines for re-aging certain loans require that at least three consecutive minimum monthly payments, or the equivalent amount, be received. In these cases, the loan will remain delinquent until the payment criteria for re-aging have been satisfied. Defaults of Modified Consumer Loans The following tables present default activity for permanently modified consumer loans to borrowers experiencing financial difficulty by type of modification granted, including loans that were modified and subsequently defaulted during the three and nine months ended September 30, 2025 and 2024. Default is defined as 60 days past due:
|  |  | For the Three Months Ended September 30, 2025
In millions of dollars | Total(1)(2) |  | Interest rate reduction | Term extension | Payment delay | Combination: interest rate reduction and term extension | Combination: term extension and payment delay | Combination: interest rate reduction, term extension and payment delay
In North America offices(3) |  |  |  |  |  |  |  |
Residential first mortgages | $ | 8 |  |  | $ | — |  | $ | 4 |  | $ | — |  | $ | 4 |  | $ | — |  | $ | — |
Home equity loans | — |  |  | — |  | — |  | — |  | — |  | — |  | — |
Credit cards(4) | 92 |  |  | 92 |  | — |  | — |  | — |  | — |  | — |
Personal, small business and other | 1 |  |  | — |  | — |  | — |  | 1 |  | — |  | — |
Total | $ | 101 |  |  | $ | 92 |  | $ | 4 |  | $ | — |  | $ | 5 |  | $ | — |  | $ | — |
In offices outside North America(3) |  |  |  |  |  |  |  |
Residential mortgages | $ | 1 |  |  | $ | — |  | $ | — |  | $ | 1 |  | $ | — |  | $ | — |  | $ | — |
Credit cards(4) | 1 |  |  | 1 |  | — |  | — |  | — |  | — |  | — |
Personal, small business and other | 1 |  |  | — |  | — |  | — |  | 1 |  | — |  | — |
Total | $ | 3 |  |  | $ | 1 |  | $ | — |  | $ | 1 |  | $ | 1 |  | $ | — |  | $ | — |
|  |  | For the Three Months Ended September 30, 2024 |  |  |
In millions of dollars | Total(1)(2) |  | Interest rate reduction | Term extension | Payment delay | Combination: interest rate reduction and term extension | Combination: term extension and payment delay | Combination: interest rate reduction, term extension and payment delay |  |  |
In North America offices(3) |  |  |  |  |  |  |  |  |  |  |
Residential first mortgages | $ | 7 |  |  | $ | — |  | $ | 6 |  | $ | — |  | $ | 1 |  | $ | — |  | $ | — |  |  |  |
Home equity loans | — |  |  | — |  | — |  | — |  | — |  | — |  | — |  |  |  |
Credit cards(4) | 105 |  |  | 105 |  | — |  | — |  | — |  | — |  | — |  |  |  |
Personal, small business and other | 1 |  |  | — |  | — |  | — |  | 1 |  | — |  | — |  |  |  |
Total | $ | 113 |  |  | $ | 105 |  | $ | 6 |  | $ | — |  | $ | 2 |  | $ | — |  | $ | — |  |  |  |
In offices outside North America(3) |  |  |  |  |  |  |  |  |  |  |
Residential mortgages | $ | — |  |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  |  |  |
Credit cards(4) | 1 |  |  | 1 |  | — |  | — |  | — |  | — |  | — |  |  |  |
Personal, small business and other | 1 |  |  | — |  | — |  | — |  | 1 |  | — |  | — |  |  |  |
Total | $ | 2 |  |  | $ | 1 |  | $ | — |  | $ | — |  | $ | 1 |  | $ | — |  | $ | — |  |  |  |
(1) The above tables reflect activity for loans outstanding as of the end of the reporting period. (2) Modified residential first mortgages that default are typically liquidated through foreclosure or a similar type of liquidation. (3) North America includes the U.S., Canada and Puerto Rico. Mexico is included in offices outside North America. (4) Modified credit card loans that default continue to be charged off in accordance with Citi’s consumer charge-off policy.
|  |  | For the Nine Months Ended September 30, 2025
In millions of dollars | Total(1)(2) |  | Interest rate reduction | Term extension | Payment delay | Combination: interest rate reduction and term extension | Combination: term extension and payment delay | Combination: interest rate reduction, term extension and payment delay
In North America offices(3) |  |  |  |  |  |  |  |
Residential first mortgages | $ | 25 |  |  | $ | — |  | $ | 15 |  | $ | — |  | $ | 10 |  | $ | — |  | $ | — |
Home equity loans | — |  |  | — |  | — |  | — |  | — |  | — |  | — |
Credit cards(4) | 150 |  |  | 150 |  | — |  | — |  | — |  | — |  | — |
Personal, small business and other | 2 |  |  | — |  | — |  | — |  | 2 |  | — |  | — |
Total | $ | 177 |  |  | $ | 150 |  | $ | 15 |  | $ | — |  | $ | 12 |  | $ | — |  | $ | — |
In offices outside North America(3) |  |  |  |  |  |  |  |
Residential mortgages | $ | 4 |  |  | $ | — |  | $ | — |  | $ | 3 |  | $ | 1 |  | $ | — |  | $ | — |
Credit cards(4) | 2 |  |  | 2 |  | — |  | — |  | — |  | — |  | — |
Personal, small business and other | 4 |  |  | — |  | — |  | — |  | 4 |  | — |  | — |
Total | $ | 10 |  |  | $ | 2 |  | $ | — |  | $ | 3 |  | $ | 5 |  | $ | — |  | $ | — |
|  |  | For the Nine Months Ended September 30, 2024
In millions of dollars | Total(1)(2) |  | Interest rate reduction | Term extension | Payment delay | Combination: interest rate reduction and term extension | Combination: term extension and payment delay | Combination: interest rate reduction, term extension and payment delay
In North America offices(3) |  |  |  |  |  |  |  |
Residential first mortgages | $ | 25 |  |  | $ | — |  | $ | 22 |  | $ | — |  | $ | 3 |  | $ | — |  | $ | — |
Home equity loans | — |  |  | — |  | — |  | — |  | — |  | — |  | — |
Credit cards(4) | 178 |  |  | 178 |  | — |  | — |  | — |  | — |  | — |
Personal, small business and other | 1 |  |  | — |  | — |  | — |  | 1 |  | — |  | — |
Total | $ | 204 |  |  | $ | 178 |  | $ | 22 |  | $ | — |  | $ | 4 |  | $ | — |  | $ | — |
In offices outside North America(3) |  |  |  |  |  |  |  |
Residential mortgages | $ | 3 |  |  | $ | — |  | $ | — |  | $ | 3 |  | $ | — |  | $ | — |  | $ | — |
Credit cards(4) | 1 |  |  | 1 |  | — |  | — |  | — |  | — |  | — |
Personal, small business and other | 3 |  |  | — |  | — |  | — |  | 3 |  | — |  | — |
Total | $ | 7 |  |  | $ | 1 |  | $ | — |  | $ | 3 |  | $ | 3 |  | $ | — |  | $ | — |
(1) The above tables reflect activity for loans outstanding as of the end of the reporting period. (2) Modified residential first mortgages that default are typically liquidated through foreclosure or a similar type of liquidation. (3) North America includes the U.S., Canada and Puerto Rico. Mexico is included in offices outside North America. (4) Modified credit card loans that default continue to be charged off in accordance with Citi’s consumer charge-off policy.

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