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GUARANTEES AND COMMITMENTS (Tables)
 9 Months Ended
Sep. 30, 2025
Guarantees and Commitments [Abstract]  
Schedule of guarantor obligations
The following tables present information about Citi’s guarantees at September 30, 2025 and December 31, 2024.
For additional information on Citi’s guarantees and indemnifications included in the tables below, as well as its other guarantees and indemnifications excluded from these tables, see Note 28 to the Consolidated Financial Statements in Citi’s 2024 Form 10-K.
Maximum potential amount of future payments 
In billions of dollars at September 30, 2025Expire within
1 year		Expire after
1 year		Total amount
outstanding
Carrying value
(in millions of dollars)
Financial standby letters of credit$14.3 $66.3 $80.6 $535 
Performance guarantees4.8 5.8 10.6 21 
Derivative instruments considered to be guarantees23.1 32.4 55.5 440 
Loans sold with recourse— 0.9 0.9 — 
Securities lending indemnifications(1)
125.5 — 125.5 — 
Card merchant processing(2)
34.4 — 34.4 — 
Credit card arrangements with partners(3)
1.6 19.9 21.5 1 
Guarantees under the Fixed Income Clearing Corporation sponsored member repo program
226.3 — 226.3 — 
Other(4)(5)
— 8.4 8.4 80 
Total$430.0 $133.7 $563.7 $1,077 

 Maximum potential amount of future payments 
In billions of dollars at December 31, 2024Expire within
1 year		Expire after
1 year		Total amount
outstanding
Carrying value
(in millions of dollars)
Financial standby letters of credit$15.5 $63.5 $79.0 $546 
Performance guarantees4.2 5.8 10.0 27 
Derivative instruments considered to be guarantees15.8 27.3 43.1 332 
Loans sold with recourse— 1.0 1.0 — 
Securities lending indemnifications(1)
96.3 — 96.3 — 
Card merchant processing(2)
124.3 — 124.3 — 
Credit card arrangements with partners(3)
0.2 21.5 21.7 2 
Guarantees under the Fixed Income Clearing Corporation sponsored member repo program139.5 — 139.5 — 
Other(4)(5)
0.1 8.4 8.5 57 
Total$395.9 $127.5 $523.4 $964 

(1)The carrying values of securities lending indemnifications were not material for either period presented, as the probability of potential liabilities arising from these guarantees is minimal.
(2)At September 30, 2025 and December 31, 2024, this maximum potential exposure was estimated to be approximately $34 billion and $124 billion, respectively. However, Citi believes that the maximum exposure is not representative of the actual potential loss exposure based on its historical experience. This contingent liability is unlikely to arise, as most products and services are delivered when purchased and amounts are refunded when items are returned to merchants. See “Card Merchant Processing” in Note 28 to the Consolidated Financial Statements in Citi’s 2024 Form 10-K.
(3)Includes additional guarantees entered into as part of the extension and amendment of the American Airlines co-branded credit card partnership agreement, executed in December 2024. See “Credit Card Arrangements with Partners” in Note 28 to the Consolidated Financial Statements in Citi’s 2024 Form 10-K. Citi believes that the maximum exposure is not representative of actual potential loss exposure based on historical and expected future performance of the portfolio.
(4)Includes guarantees of subsidiaries.
(5)In the fourth quarter of 2024, the Company entered into an agreement that indemnifies certain subsidiaries of the Company against certain matters related to the business operated by the Company through other subsidiaries, including certain existing, as well as potential future, legal proceedings, including tax matters. Certain of such indemnification obligations have no stated expiration date and are not subject to specific limitations on the maximum potential amount of future payments that the Company could be required to make. The Company is not able to estimate the maximum potential amount of future payments to be made under this agreement because the triggering events are not predictable.
Schedule of guarantor obligations by credit ratings
Presented in the tables below are the maximum potential amounts of future payments that are classified based on internal and external credit ratings. The determination of the maximum potential future payments is based on the notional amount of the guarantees without consideration of possible recoveries under recourse provisions or from collateral held or pledged. As such, Citi believes such amounts bear no relationship to the anticipated losses, if any, on these guarantees.

 Maximum potential amount of future payments
In billions of dollars at September 30, 2025Investment
grade		Non-investment
grade		Not
rated		Total
Financial standby letters of credit$67.1 $13.5 $— $80.6 
Loans sold with recourse— — 0.9 0.9 
Other— 8.4 — 8.4 
Total$67.1 $21.9 $0.9 $89.9 

 Maximum potential amount of future payments
In billions of dollars at December 31, 2024Investment
grade		Non-investment
grade		Not
rated		Total
Financial standby letters of credit$63.2 $15.6 $0.2 $79.0 
Loans sold with recourse— — 1.0 1.0 
Other— 8.4 — 8.4 
Total$63.2 $24.0 $1.2 $88.4 
Schedule of credit commitments
The table below summarizes Citigroup’s credit commitments:

In millions of dollarsU.S.
Outside of 
U.S.(1)
September 30,
2025		December 31, 2024
Commercial and similar letters of credit $525 $3,774 $4,299 $4,031 
One- to four-family residential mortgages901 618 1,519 967 
Revolving open-end loans secured by one- to four-family residential properties5,066 2 5,068 5,271 
Commercial real estate, construction and land development11,531 2,299 13,830 14,107 
Credit card lines627,925 64,758 692,683 676,749 
Commercial and other consumer loan commitments252,871 124,210 377,081 325,329 
Other commitments and contingencies(2)
4,915 157 5,072 4,908 
Total$903,734 $195,818 $1,099,552 $1,031,362 

(1)Consumer commitments related to the business HFS countries under sales agreements are reflected in their original categories until the respective sales are completed.
(2)Other commitments and contingencies include commitments to purchase certain debt and equity securities.
Schedule of restricted cash
Restricted cash is included on the Consolidated Balance Sheet within the following balance sheet lines:

In millions of dollarsSeptember 30,
2025		December 31, 2024
Cash and due from banks$4,004 $3,325 
Deposits with banks, net of allowance20,249 16,217 
Total$24,253 $19,542