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DEBT | 9 Months Ended
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Sep. 30, 2025
Debt Disclosure [Abstract] |
DEBT | DEBT For additional information regarding Citi’s short-term borrowings and long-term debt, see Note 19 to the Consolidated Financial Statements in Citi’s 2024 Form 10-K. Short-Term Borrowings
In millions of dollars | September 30, 2025 | December 31, 2024
Commercial paper |  |
Bank(1) | $ | 13,139 |  | $ | 15,127 |
Broker-dealer and other(2) | 6,252 |  | 13,789 |
Total commercial paper | $ | 19,391 |  | $ | 28,916 |
Other borrowings(3) | 35,369 |  | 19,589 |
Total | $ | 54,760 |  | $ | 48,505 |
(1)Represents Citibank entities as well as other bank entities. (2)Represents broker-dealer and other non-bank subsidiaries that are consolidated into Citigroup Inc., the parent holding company. (3)Includes borrowings from Federal Home Loan Banks and other market participants. At September 30, 2025 and December 31, 2024, collateralized short-term advances from Federal Home Loan Banks were $6.0 billion and $5.0 billion, respectively. Long-Term Debt
In millions of dollars | September 30, 2025 | December 31, 2024
Citigroup Inc.(1) | $ | 174,661 |  | $ | 164,024 |
Bank(2) | 40,489 |  | 35,470 |
Broker-dealer and other(3) | 100,696 |  | 87,806 |
Total | $ | 315,846 |  | $ | 287,300 |
(1)Represents the parent holding company. (2)Represents Citibank entities as well as other bank entities. At September 30, 2025 and December 31, 2024, collateralized long-term advances from the Federal Home Loan Banks were $6.0 billion and $8.5 billion, respectively. (3)Represents broker-dealer and other non-bank subsidiaries that are consolidated into Citigroup Inc., the parent holding company. Certain Citigroup consolidated hedging activities are also included in this line. Long-term debt outstanding includes trust preferred securities with a balance sheet carrying value of $1.6 billion at September 30, 2025 and December 31, 2024. The following table summarizes Citi’s outstanding trust preferred securities at September 30, 2025:
|  |  |  |  |  | Junior subordinated debentures owned by trust
Trust | Issuance date | Securities issued | Liquidation value(1) | Coupon rate(2) | Common shares issued to parent | Notional amount | Maturity | Redeemable by issuer beginning
In millions of dollars, except securities and share amounts |  |  |  |  |  |
Citigroup Capital III | Dec. 1996 | 194,053 |  | $ | 194 |  | 7.625 | % | 6,003 |  | $ | 200 |  | Dec. 1, 2036 | Not redeemable
Citigroup Capital XIII | Oct. 2010 | 89,840,000 |  | 2,246 |  | 3 mo. SOFR +663.161 bps(3) | 1,000 |  | 2,246 |  | Oct. 30, 2040 | Oct. 30, 2015
Total obligated |  |  | $ | 2,440 |  |  |  | $ | 2,446 |  |  |
Note: Distributions on the trust preferred securities and interest on the subordinated debentures are payable semiannually for Citigroup Capital III and quarterly for Citigroup Capital XIII. (1)Represents the notional value received by outside investors from the trusts at the time of issuance. This differs from Citi’s balance sheet carrying value due primarily to unamortized discount and issuance costs. (2)In each case, the coupon rate on the subordinated debentures is the same as that on the trust preferred securities. (3)The spread incorporates the original contractual spread and a 26.161 bps tenor spread adjustment.

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- Definition The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 815 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 8A -Publisher FASB -URI https://asc.fasb.org/1943274/2147480434/815-10-50-8A Reference 2: http://www.xbrl.org/2003/role/disclosureRef 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