花旗集团 2025年度报告

(Mark One) For the transition period fromtoCommission file number1-9924CitigroupInc.(Exact name of registrant as specified in its charter) (212)559-1000(Registrant’s telephone number, including area code) Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934 formatted in Inline XBRL: See Exhibit 99.01Securities registered pursuant to Section 12(g) of the Act: noneIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. YesNo Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15(d) of the Act. YesNo Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12months (or for such shorter period that the registrant was required to file such reports), and (2)has been subject to such filing requirements for the past90days. YesNo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule405 of RegulationS-T(§232.405 of this chapter) during the preceding 12months (or for such shorter period that the registrant was required to submit such files). YesNo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerginggrowth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule12b-2 of theExchange Act. If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revisedfinancial accounting standards provided pursuant to Section 13(a) of the Exchange Act. Yes Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control overfinancial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.☒ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect thecorrection of an error to previously issued financial statements. Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of theregistrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b). Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Act). Yes☐No The aggregate market value of Citigroup Inc. common stock held by non-affiliates of Citigroup Inc. on June 30, 2025 was approximately $156.2 billion. Documents Incorporated by Reference: Portions of the registrant’s proxy statement for the annual meeting of stockholders scheduled to be held on May20, 2026 areincorporated by reference in this Form 10-K in response to Items 10, 11, 12, 13 and 14 of Part III. Available online at www.citigroup.com Part III Part II Part IV 5.Market for Registrant’sCommon Equity, RelatedStockholder Matters andIssuer Purchases of EquitySecurities138–139, 170–172,301–3036.Reserved7.Management’s Discussion andAnalysis of FinancialCondition and Results ofOperations8–36, 64–1207A.Quantitative and QualitativeDisclosures About Market Risk64–120, 165–169, 190–228, 235–2788.Financial Statements andSupplementary Data134–2989.Changes in and Disagreementswith Accountants onAccounting and FinancialDisclosureNot Applicable9A.Controls and Procedures127–128 15.Exhibit and FinancialStatement Schedules * For additional information regarding Citigroup’s Directors, see“Corporate Governance” and “Proposal 1: Election of Directors” in thedefinitive Proxy Statement for Citigroup’s Annual Meeting ofStockholders scheduled to be held on May20, 2026, to be filed with theSEC (the Proxy Statement), incorporated herein by reference.** See “Compensation Discussion and Analysis,” “The Personnel andCompensation Committee Report,” and “2025 Summary CompensationTable and Compensation Information” and “CEO Pay Ratio” in theProxy Statement, incorporated herein by reference, other than disclosureunder the heading “Pay versus Performance” information responsive toItem 402(v) of Regulation S-K of SEC rules.*** See “About the Annual Meeting,” “Stock Ownership” and “EquityCompensation Plan Information” in the Proxy Statement, incorporatedherein by reference.**** See “Corporate Governance—Director Independence,” “—CertainTransactions and Relationships, Compensation Committee Interlocksand Insider Participation” and “—Indebtedness” in the Proxy Statement,incorporated herein by reference.***** See