花旗 2025年度报告

FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December31, 2025 Commission File No. 1-9924 A.Full title of the plan and the address of the plan, if different from that of the issuer named below: CITI RETIREMENT SAVINGS PLANPlans Administration Committee388 Greenwich Street, 15th FloorNew York, NY 10013 B.Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: Citigroup Inc.388 Greenwich StreetNew York, NY 10013 CITI RETIREMENT SAVINGS PLAN Financial Statements and Supplemental Schedule December 31, 2025 and 2024 (With Report of Independent Registered Public Accounting Firm Thereon) CITI RETIREMENT SAVINGS PLAN Financial Statements and Supplemental ScheduleDecember 31, 2025 and 2024 Table of Contents Report of Independent Registered Public Accounting Firm1Financial Statements:Statements of Net Assets Available for Benefits as of December 31, 2025 and 20243Statements of Changes in Net Assets Available for Benefits for the years ended December 31, 2025 and 20244Notes to Financial Statements5Supplemental Schedule:*ScheduleH, Line 4i – Schedule of Assets (Held at End of Year) as of December31, 202515Signatures63Exhibit Index64 *Other schedules required by Form5500 which are not applicable have been omitted To the Plan Participants and Plan AdministratorCiti Retirement Savings Plan: Opinion on the Financial Statements We have audited the accompanying statements of net assets available for benefits of Citi Retirement Savings Plan (thePlan) as of December 31, 2025 and 2024, the related statements of changes in net assets available for benefits for the yearsended December 31, 2025 and 2024, and the related notes (collectively, the financial statements). In our opinion, thefinancial statements present fairly, in all material respects, the net assets available for benefits of the Plan as of December31, 2025 and 2024, and the changes in net assets available for benefits for the years ended December 31, 2025 and 2024,in conformity with U.S. generally accepted accounting principles. Basis for Opinion These financial statements are the responsibility of the Plan’s management. Our responsibility is to express an opinion onthese financial statements based on our audits. We are a public accounting firm registered with the Public CompanyAccounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Plan inaccordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and ExchangeCommission and the PCAOB. We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan andperform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement,whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement ofthe financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Suchprocedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financialstatements. Our audits also included evaluating the accounting principles used and significant estimates made bymanagement, as well as evaluating the overall presentation of the financial statements. We believe that our audits providea reasonable basis for our opinion. Accompanying Supplemental Information The Schedule H, line 4i – Schedule of Assets (Held at End of Year) as of December 31, 2025, has been subjected to auditprocedures performed in conjunction with the audit of the Plan’s financial statements. The supplemental information is theresponsibilityof the Plan’s management.Our audit procedures included determining whether the supplementalinformation reconciles to the financial statements or the underlying accounting and other records, as applicable, andperformingprocedures to test the completeness and accuracy of the information presented in the supplementalinformation. In forming our opinion on the supplemental information, we evaluated whether the supplemental information,including its form and content, is presented in conformity with the Department of Labor's Rules and Regulations forReporting and Disclosure under the Employee Retirement Income Security Act of 1974. In our opinion, the supplementalinformation is fairly stated, in all material respects, in relation to the financial statements as a whole. /s/ KPMG LLP We have served as the Plan's auditor since 1987. New York, New YorkJune25, 2026 CITI RETIREMENT SAVINGS PLANStatements of Net Assets Available for BenefitsDecember 31, 2025 and 2024 CITI RETIREMENT SAVINGS PLAN Notes to Financial StatementsDecember 31, 2025 and 2024 (1)Description of the Plan The following brief description of the Citi Retirement Savings Plan (thePlan) is provided for general info