Citigroup (C) investor relations material

Opening remarks and agenda

• CEO and Chair welcomed stockholders to the 2026 virtual annual meeting and introduced the board and auditors, outlining their qualifications as detailed in the proxy statement.

• Legal formalities were confirmed, a quorum was present, and the Inspector of Election was introduced.

• The agenda and rules of procedure were made available online, with instructions for submitting questions and handling general inquiries.

Financial performance review

• Revenue reached $85.2 billion in 2025, the highest in a decade, with stock price surpassing $100.

• Positive operating leverage achieved for the second consecutive year; $17.6 billion returned to shareholders.

• Q1 earnings were $3.06 per share on $5.8 billion net income, with ROTCE at 13.1%.

• Services business saw 12% revenue growth in 2025 and 17% in Q1; Markets and Banking also posted record results.

• Wealth and U.S. consumer cards continued to grow, with AI integration and partnerships driving future returns.

Board and executive committee updates

• All current directors standing for re-election were introduced, with backgrounds spanning banking, technology, regulation, and global business.

• Diversity in leadership highlighted, with Latino representation in executive management roles.