11-K 1 a11-k401kxplanpuertorico12.htm 11-K Document

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 11-K

ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934




For the fiscal year ended December 31, 2024

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 PLAN FOR PUERTO RICO
Plans Administration Committee
388 Greenwich Street, 15th Floor
New 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 Street
New York, NY 10013





CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Financial Statements and Supplemental Schedule
December 31, 2024 and 2023
(With Report of Independent Registered Public Accounting Firm Thereon)




CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Financial Statements and Supplemental Schedule
December 31, 2024 and 2023
Table of Contents
Page
Report of Independent Registered Public Accounting Firm
Financial Statements:
Statements of Net Assets Available for Benefits as of December 31, 2024 and 2023
Statements of Changes in Net Assets Available for Benefits for the years ended December 31, 2024 and 2023
Notes to Financial Statements
Supplemental Schedule:*
Schedule H, Line 4i – Schedule of Assets (Held at End of Year) as of December 31, 2024
Signatures
Exhibit Index
*    Other schedules required by Form 5500 which are not applicable have been omitted




Report of Independent Registered Public Accounting Firm


To the Plan Participants and Plan Administrator
Citi Retirement Savings Plan for Puerto Rico:

Opinion on the Financial Statements

We have audited the accompanying statements of net assets available for benefits of Citi Retirement Savings Plan for Puerto Rico (the Plan) as of December 31, 2024 and 2023, the related statements of changes in net assets available for benefits for the years ended December 31, 2024 and 2023, and the related notes (collectively, the financial statements). In our opinion, the financial statements present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2024 and 2023, and the changes in net assets available for benefits for the years ended December 31, 2024 and 2023, 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 on these financial statements based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Plan in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform 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 of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.


1



Accompanying Supplemental Information

The Schedule H, line 4i – Schedule of Assets (Held at End of Year) as of December 31, 2024, has been subjected to audit procedures performed in conjunction with the audit of the Plan’s financial statements. The supplemental information is the responsibility of the Plan’s management. Our audit procedures included determining whether the supplemental information reconciles to the financial statements or the underlying accounting and other records, as applicable, and performing procedures to test the completeness and accuracy of the information presented in the supplemental information. 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 for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. In our opinion, the supplemental information, 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 2001.

New York, New York
June 27, 2025
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CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Statements of Net Assets Available for Benefits
December 31, 2024 and 2023
20242023
Assets:
Investments:
     Investments, at fair value$47,563,447 $46,047,423 
Investments in fully benefit-responsive investment contracts,
  at contract value		1,562,409 1,931,253 
Total investments49,125,856 47,978,676 
Receivables:
Employer contributions512,169 542,280 
Interest and dividends20,198 24,156 
Receivable for securities sold5,133 3,632 
Participant contributions— 2,102 
Participant loans603,564 686,750 
Total receivables1,141,064 1,258,920 
Total assets50,266,920 49,237,596 
Liabilities:
Payable for securities purchased 2,206 5,666 
Other investment liabilities4,932 42,996 
Payable for trustee, administrative fees and other9,731 14,082 
Total liabilities16,869 62,744 
Net assets available for benefits$50,250,051 $49,174,852 
See accompanying notes to financial statements.

3


CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Statements of Changes in Net Assets Available for Benefits
Years Ended December 31, 2024 and 2023
20242023
Additions to net assets attributable to:
Investment income :
Dividends$123,573 $144,296 
Interest51,230 64,925 
Net appreciation in fair value of investments5,935,872 6,981,090 
Net investment income 6,110,675 7,190,311 
Interest income on loans receivable from participants45,228 37,286 
Contributions:
Employer512,169 542,280 
Participants656,786 673,574 
Rollover— 27,231 
Total contributions
1,168,955 1,243,085 
Total additions to net assets7,324,858 8,470,682 
Deductions from net assets attributable to:
Distributions to participants6,183,058 4,346,358 
Trustee and administrative expenses66,601 37,874 
Total deductions from net assets6,249,659 4,384,232 
Net increase 1,075,199 4,086,450 
Net assets available for benefits at:
Beginning of year49,174,852 45,088,402 
End of year$50,250,051 $49,174,852 
See accompanying notes to financial statements.



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CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Notes to Financial Statements
December 31, 2024 and 2023



(1)Description of the Plan
The following brief description of the Citi Retirement Savings Plan for Puerto Rico (the Plan) is provided for general information purposes only. Participants should refer to the Plan's Summary Plan Description and legal Plan document for a more complete description of the Plan.
(a)    General
The Plan was established in 2001 and is a defined contribution plan designed to encourage savings on the part of eligible employees. The Plan covers eligible employees of Citibank, N.A., a subsidiary of Citigroup Inc. (the Company), and its affiliates who primarily reside and work in Puerto Rico. Citibank, N.A. is the Plan Sponsor. The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended (ERISA), and the Puerto Rico Internal Revenue Code of 2011, as amended (PRIRC). The Plan is designed to comply with Section 404(c) of ERISA and the related regulations. The Plan provides for participant-directed accounts, which permits a participant or beneficiary to exercise control over the assets in the account and make investment decisions. As a result, the Plan's fiduciaries may be released from liability for any losses that result from the participant's or beneficiary's individual investment decisions.
Banco Popular de Puerto Rico (Banco Popular) is the trustee of the Plan. Bank of New York Mellon is the custodian of the Plan. The Plan is administered by Alight Solutions Inc., a third‑party administrator.
(b)    Eligibility
Eligible employees generally include employees performing services for the Company and employees of participating subsidiaries, who are considered bona fide residents of Puerto Rico or who perform services primarily in Puerto Rico, as defined in the Plan document.
Full-time and part-time employees are eligible to participate on the first day of the first pay period after the participant becomes an employee of the Company.
(c)    Employee Contributions
Eligible employees may defer on a before-tax basis through payroll deductions up to 50% (in 1% increments) of their eligible pay subject to certain legal limitations. Eligible pay generally includes base salary, overtime, commissions, shift differential pay, and periodic incentive bonuses. The minimum annual eligible pay does not exceed the applicable limits permitted by the PRIRC.
Newly hired and rehired eligible employees are automatically enrolled in the Plan at a 6% before-tax contribution rate unless they otherwise enroll themselves or opt out of the Plan. Participants who are automatically enrolled in the Plan, but do not make an investment election, are invested in the Plan’s default investment, which is the Plan’s “target retirement date” fund consistent with the participant’s projected year of retirement. Further, unless the participant elects a different rate, for employees who are automatically enrolled, their contribution rate is automatically increased by 1% annually until they reach a before-tax contribution rate of 15% or reach the maximum statutory dollar contribution limit.
Participants who are age 50 or over by the end of the Plan year are permitted to make additional contributions up to 49% of their eligible pay, known as "catch-up" contributions, up to the applicable statutory limit. There is no automatic enrollment for catch‑up contributions.
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CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Notes to Financial Statements
December 31, 2024 and 2023


(d)    Employer Contributions
During 2024 and 2023, employer contributions consisted of three components: the Company matching contribution, fixed contribution, and transition contribution.
The Company matching contribution was equal to 100% of the participant’s before-tax contributions up to 6% of the participant’s eligible compensation (up to the annual compensation maximum set by the PRIRC) for eligible employees at all compensation levels. Company matching contributions did not exceed the lesser of the participant’s contribution or 6% of the participant’s eligible compensation up to the statutory limit. Catch‑up contributions are not subject to matching contributions. Participants must contribute to the Plan to receive Company matching contributions.
A fixed contribution of up to 2% of eligible pay is credited to the Plan accounts of eligible employees whose qualifying annual compensation, as defined in the Plan, is $100,000 or less.
An annual transition contribution is credited to the Plan accounts of certain employees who were eligible to receive benefits under the Plan, the Citigroup Pension Plan, and the Citigroup Ownership Program in 2007, prior to the Plans’ redesign. If an employee’s total benefit opportunity under the three programs was greater than his or her benefit opportunity under the Plan, an additional transition contribution is credited. Participants receiving this transition contribution generally have long service and must be continuously employed by the Company since December 31, 2006.
Matching, fixed, and transition contributions are invested in the same manner as a participant's contributions, or in the Plan's qualified default investment alternative in the absence of such an election.
At December 31, 2024 and 2023, the employer contribution receivable was $0.5 million and $0.5 million, respectively. Company contributions relating to 2024 and 2023 were received and credited to participant accounts during the first quarter of 2025 and 2024, respectively.

(e)    Participant Accounts
The Plan maintains a separate account for each participant, to which contributions, expenses, and investment gains and losses are allocated.
Participants may elect to invest their account balance among the investment fund options offered under the Plan in whole increments of 1%.
A participant may elect to suspend or resume his or her contributions, subject to the Plan’s notice requirements. In addition, a participant may change the rate of his or her contributions, subject to the Plan’s notice requirements, and may elect to change the allocation of future contributions among the funds daily. A participant may also elect to transfer the value of his or her contributions in whole increments of 1% to other Plan investment funds, subject to certain restrictions.
Changes requested by participants are implemented as soon as administratively practicable, in accordance with the Plan document.
(f)    Rollover and Transfer Contributions
The Plan accepts qualifying rollover contributions made by participants in cash from other Puerto Rico qualified plans. However, rollovers from an Individual Retirement Account (IRA) are not permitted under Puerto Rico law. Transfers or rollovers to the Plan may only be made with the
6

CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Notes to Financial Statements
December 31, 2024 and 2023


approval of the Plan’s management and do not affect any other contributions made by or on behalf of a participant.
There were no rollover contributions into the Plan in 2024. Rollover contributions into the Plan in 2023 amounted to $27,231.
(g)    Investment Options
Plan assets are held in a trust fund and are invested in the investment options offered under the Plan at the direction of Plan participants, in accordance with the Plan document.
Subject to certain restrictions, Plan participants may move a portion or all of their account balances among the Plan’s investment options through a fund transfer, reallocation, or rebalance, generally not more frequently than once every seven calendar days.
Restrictions are subject to change at any time depending on generally applicable Plan rules or the requirements of the funds.
To the extent required by the compliance procedures of a mutual fund to ensure the fund’s adherence to the market timing rules mandated by the Securities and Exchange Commission and upon request by a mutual fund, the Plan may provide reports to the fund detailing Plan participants’ trading activity in that particular fund. The Company also may restrict the ability of certain Plan participants to invest in or divest from the Citigroup Common Stock Fund.
In general, no investment-related transaction costs are associated with the Plan, though the funds have the right to impose redemption fees, should they decide to do so.
The Plan does not directly participate in securities lending programs; however, there are investment funds that engage in securities lending which are available to Plan participants. The investment manager for an investment option determines the terms of, and the extent to which, securities lending is used. Engaging in securities lending is intended to benefit Plan participants investing in such investment offering.
(h)    Vesting
The rights of a participant to his or her own contributions, matching contributions, and any earnings thereon are at all times fully vested and non-forfeitable.
Company fixed and transition contributions, as described in note 1(d), vest according to the following schedule:
•Upon completion of three years of service, any fixed and/or transition contributions made on a participant’s behalf will be immediately vested;
•    If a participant reaches age 55, dies, or becomes disabled while in service;
•    In the case of a full or partial termination of the Plan or complete discontinuance of contributions under the Plan.
Once a participant is vested in his or her Company contributions, those contributions are available for distribution or rollover once he or she leaves the Company or is otherwise eligible to take a distribution, as more fully described in notes 1(k) and 1(l).

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CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Notes to Financial Statements
December 31, 2024 and 2023


(i)    Forfeited Accounts
Forfeitures may be used to offset expenses of the Plan. During 2024 and 2023, $1,612 and $2,242, respectively, of forfeitures were used to offset Plan expenses. As of December 31, 2024 and 2023, unallocated forfeitures were $ 399 and $5,418, respectively.
(j)    Loans Receivable from Participants
Subject to the Plan’s provisions and the requirements contained within ERISA and PRIRC, participants may apply for up to two loans from the Plan at a fixed annual interest rate equal to the prime rate, as published in The Wall Street Journal for the fifteenth business day of the month in which the loan application is initiated, plus 1%. Loans may be made for a minimum amount of $1,000, the maximum of which would be the lesser of 50% of the participant’s vested account balance or $50,000, less the highest outstanding loan balance in the previous twelve months. Loans receivable from participants as of December 31, 2024 and 2023 bore interest rates from 4.25% to 9.50%. Loan terms range from 1 to 5 years for general purpose loans or up to 20 years for the purchase of a primary residence.
Loans receivable from participants are valued at unpaid principal plus any accrued but unpaid interest.
Each loan is secured through the vested balance in the participant’s Plan account. If a participant defaults on his or her loan by failing to make timely repayments, the outstanding principal and interest due on the loan is treated as a deemed distribution and reported as a taxable distribution to the participant as soon as administratively practicable in the year of default. If the participant has an outstanding loan and takes a distribution of his or her Plan benefit, the outstanding principal and interest due on the loan is deducted from the account balance before an amount is distributed to the participant.
A participant applying for a loan through the Plan will be charged a $50 loan application fee. The loan application fee is nonrefundable and will be used to offset the administrative expenses associated with the loan. The fee will be deducted from the participant’s Plan account at the time his or her loan request is processed.

(k)    Withdrawals
Prior to termination of employment, a participant may withdraw, subject to the Plan’s notice requirements, all or a portion of the vested value of his or her participant account if the participant has attained age 59½ or becomes totally and permanently disabled, or a certain portion of the value of his or her participant account in the event of demonstrated financial hardship, subject to the Plan’s provisions. Withdrawals to which a participant is entitled are the amounts that can be provided by the contributions and income thereon (including net realized and unrealized investment gains and losses) allocated to each participant’s account, less allocated expenses. Withdrawals from the Citigroup Common Stock Fund may be paid in either shares of common stock or cash at the discretion of the participant, with the exception of a hardship withdrawal, which must be paid in cash. Fractional shares and withdrawals from other funds are paid in cash.
(l)    Distributions
A participant, after leaving the Company, can have the total of his or her vested account distributed in accordance with the provisions of the Plan.
8

CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Notes to Financial Statements
December 31, 2024 and 2023


If the value of a participant’s account equals or exceeds $7,000, the participant may elect to defer the commencement of his or her distribution until his or her normal retirement age, age 65, or may request a distribution at any time in the form of a lump‑sum payment or installments. The value of this distribution will be based on the value of the participant’s vested account at the valuation date that coincides with the distribution, to the extent administratively practicable. If the value of a participant’s account is less than $7,000, the Plan will distribute the participant’s account upon termination of employment.
Distributions to which a participant is entitled are the vested amounts that can be provided by the contributions and income thereon (including net realized and unrealized investment gains and losses) allocated to each participant’s account, less allocated expenses. Fractional shares and distributions from other funds are paid in cash.
(2)    Summary of Significant Accounting Policies
(a)    Basis of Accounting
The accompanying financial statements have been prepared under the accrual basis of accounting and are displayed in U.S. dollars.
(b)    Use of Estimates
The preparation of the financial statements in conformity with U.S. generally accepted accounting principles (GAAP) requires the Plan’s management to make estimates and assumptions that affect the reported amounts of assets and liabilities, changes therein, and disclosure of contingent assets and liabilities at the date the financial statements are prepared. Actual results could differ from those estimates and assumptions. Significant estimates inherent in the preparation of the financial statements include the fair value of investments.
(c)    Investment Valuation and Income Recognition
Investments held by the Plan are generally stated at fair value with the exception of fully benefit-responsive investment contracts, which according to GAAP are stated at contract value.
Equity investments traded on national securities exchanges are valued at their closing market prices. When no trades are reported, they are valued at the most recent reported sale price on the last business day of the year; securities traded in the over the counter market are valued at their last sale or bid price. This includes U.S. and non-U.S. equities in separately managed accounts, and the Citigroup Common Stock Fund.
Mutual funds are valued at the net asset value (NAV) as reported by the underlying fund or its agent. Exchange-traded funds are valued at their last sale price.
Collective trust funds are determined to have readily determinable fair values and valued based on NAV. Participant‑directed redemptions from these collective trust funds generally can be made daily, subject to a Plan imposed 7‑day minimum holding period on investments (other than BNY Mellon Stable Value Fund (Fund) related investments, which have a longer holding period).
Purchases and sales of investments are recorded on a trade-date basis. Securities purchased or sold near year-end may result in payments on these securities not being made or received until after the Plan’s year-end. The amounts of such payments are recorded as payables or receivables as of year-end in the statements of net assets available for benefits. Interest income is recorded as earned on the accrual basis. Dividend income is recorded on the ex-dividend date.
9

CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Notes to Financial Statements
December 31, 2024 and 2023



Pending foreign exchange purchases are marked to market based upon year-end forward exchange rates.

(d)    Fair Value of Other Assets and Liabilities
The carrying value of other assets and liabilities approximates fair value because of the short-term nature of these items.
(e)    Payment of Benefits
Benefits are recorded when paid.
(3)    Guaranteed Investment Contracts (GIC)
The Plan’s Fund is a custom investment vehicle that invests in fully benefit‑responsive investment contracts, which are synthetic GICs issued by insurance companies.
The Plan’s GICs consist of the underlying investments, which are fixed-income securities owned directly by the Plan and “wrapper” contracts purchased from the insurance companies. The wrapper contracts guarantee full payment of principal and interest and provide an interest crediting rate of not less than zero. The wrapper contracts amortize the realized and unrealized gains and losses on the underlying fixed income investments over the duration of the investments, through adjustments to the future interest crediting rate. These investments are credited with earnings on the underlying investments and charged for participant withdrawals and administrative expenses. Participants may ordinarily direct the withdrawal or transfer of all or a portion of their investment at contract value.
There are no reserves against contract value for credit risk of the contract issuers or otherwise.
An investment contract is considered fully benefit‑responsive if all of the following criteria are met:
•    The investment contract is between the Fund and the issuer and the contract cannot be sold or assigned.
•    The contract issuer must be obligated to repay principal and interest to participants in the Fund or provide prospective crediting rate adjustments that cannot result in an interest crediting rate less than zero.
•    All permitted participant‑initiated transactions occur at contract value, without limitations.
•    An event that limits the ability of the participant to transact at contract value is not probable.
•    The Fund must allow participants reasonable access to their funds.
The Plan’s management has concluded that the GICs are fully benefit‑responsive investment contracts and has reported such contracts at contract value as shown in the table below:
20242023
Synthetic GICs$1,562,409 $1,931,253 
In addition, the Fund owns units of the Bank of New York Mellon Short‑Term Investment Fund, which serves as the Fund’s short‑term liquidity vehicle, included in the fair value hierarchy table in cash equivalents and short-term investments.
10

CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Notes to Financial Statements
December 31, 2024 and 2023


(4)    Fair Value Measurements
FASB Accounting Standards Codification (ASC) 820, Fair Value Measurement, provides a framework for measuring fair value, which provides a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described below:
•    Level 1 – Quoted prices for identical instruments in active markets.
•    Level 2 – Quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model‑derived valuations in which all significant inputs and value drivers are observable in the market.
•    Level 3 – Valuations derived from valuation techniques in which one or more significant inputs or significant value drivers are unobservable.
This hierarchy requires the Plan’s management to use observable market data, when available, and to minimize the use of unobservable inputs when determining fair value. As required by ASC 820, assets are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.
The methods described above may produce a fair value measurement that may not be indicative of net realizable value or reflective of future fair values. Furthermore, while the Plan believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different fair value measurement at the reporting date.

11

CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Notes to Financial Statements
December 31, 2024 and 2023


The table below categorizes the Plan’s investments by level within the fair value hierarchy as of December 31, 2024.
December 31, 2024
Level 1Level 2Total
Investments, at fair value:
Cash equivalents and short-term investments$74,498 $55,865 $130,363 
Collective trust funds— 41,516,419 41,516,419 
U.S. equities1,431,406 — 1,431,406 
Non-U.S. equities1,213,200 — 1,213,200 
Mutual funds and other registered investment companies3,272,059 — 3,272,059 
Investments, at fair value$5,991,163 $41,572,284 $47,563,447 
Other investment liabilities$— $(4,932)$(4,932)

The table below categorizes the Plan’s investments by level within the fair value hierarchy as of December 31, 2023.
December 31, 2023
Level 1Level 2Total
Investments, at fair value:
Cash equivalents and short-term investments$46,803 $109,588 $156,391 
Collective trust funds— 39,554,575 39,554,575 
U.S. equities1,593,292 — 1,593,292 
Non-U.S. equities1,549,092 — 1,549,092 
Mutual funds and other registered investment companies3,194,073 — 3,194,073 
Investments, at fair value$6,383,260 $39,664,163 $46,047,423 
Other investment liabilities$— $(42,996)$(42,996)
There were no transfers or reclassifications of investments between levels within the fair value hierarchy during the years ended December 31, 2024 and 2023, and there were no changes in valuation methodologies used to measure the fair value of the Plan’s investments as of and for the years ended December 31, 2024 and 2023.
(5)    Administrative Expenses
Plan provisions allow for administrative expenses, including, but not limited to, audit fees, custodial and trustee fees, investment manager fees, and recordkeeping fees to be paid by the Plan and allocated to participant accounts. Expenses related to monthly investment service fees and loan fees are charged to participants’ investment balances and are reflected in the value of their participant accounts. These expenses are reported in trustee and administrative expenses in the statements of changes in net assets
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CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Notes to Financial Statements
December 31, 2024 and 2023


available for benefits, or if paid by the investment funds, are included in net appreciation in fair value of investments.
Any expenses not borne by the Plan are paid by the Company.
(6)    Risks and Uncertainties
The Plan invests in a variety of investment securities. Investment securities, in general, are exposed to various risks, such as interest rate, credit, foreign exchange, and overall market volatility risk. Due to the level of risk associated with certain investment securities, it is reasonable to expect that changes in the values of investment securities will occur in the near term and that such changes could materially affect participant account balances and the net assets available for plan benefits.
The Plan’s exposure to a concentration of credit risk is limited by the diversification of investments across participant‑directed fund elections. Additionally, the investments within each investment fund option are further diversified into varied financial instruments, with the exception of the Citigroup Common Stock Fund, which primarily invests in the securities of a single issuer. At December 31, 2024 and 2023, approximately 2% of the Plan’s total investments were invested in Citigroup common stock.
Plan investments include a variety of investments that may directly or indirectly invest in securities with contractual cash flows. The value, liquidity, and related income of these securities are sensitive to changes in economic conditions and may be adversely affected by shifts in the market’s perception of the issuers and changes in interest rates.
(7)    Party‑in‑Interest Transactions
Certain Plan investments are units of the Citigroup Common Stock Fund, which consists of common stock issued by the Company. The Plan’s investment in the Citigroup Common Stock Fund was $1.1 million and $0.9 million at December 31, 2024 and 2023, respectively.
The Plan held no direct investments through other investment options in the Company’s common stock at December 31, 2024 and 2023. However, certain of the collective trust funds and mutual funds may have invested in Citigroup common stock if consistent with the fund's objective.
At December 31, 2024 and 2023, the Plan held $55,865 and $109,588, respectively, of the Bank of New York Mellon Short-Term Investment Fund. At December 31, 2024 and 2023, the Plan also held through its investment in synthetic GICs valued at $4,355 and $2,205, respectively, of the Bank of New York Mellon Short-Term Investment Fund.
These transactions qualify as exempt party‑in‑interest transactions.
(8)    Tax Status
The Puerto Rico Department of Treasury (PR Treasury) has determined and informed the Plan by a letter dated September 12, 2014 that the Plan as amended and restated effective January 1, 2012 and related trust are established in accordance with applicable sections of the PRIRC and, therefore, qualify as exempt from taxes under Section 1165(a) of the PRIRC. By letters dated April 29, 2016, the PR Treasury determined and informed the Plan that Amendments 1, 2, and 3 to the Plan meet the applicable requirements of the PRIRC. By letter dated June 2, 2017, the PR Treasury determined and informed the Plan that Amendment 4 to the Plan and the amendment to the Trust Agreement meet the applicable requirements of the PRIRC. On February 5, 2018, the PR Treasury determined and informed the Plan that Amendment 5 to the Plan meets the applicable requirements of the PRIRC. On June 4, 2018, the PR Treasury determined and informed the Plan that Amendment 6 to the Plan meets the applicable requirements of the PRIRC. On July
13

CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Notes to Financial Statements
December 31, 2024 and 2023


11, 2019, the PR Treasury determined and informed the Plan that Amendment 7 to the Plan meets the applicable requirements of the PRIRC. On November 28, 2023, the PR Treasury determined and informed the Plan that Amendment 8 to the Plan meets the applicable requirements of the PRIRC. On November 18, 2024, the PR Treasury determined and informed the Plan that Amendment 9 to the Plan meets the applicable requirements of the PRIRC. On April 15, 2025, the Plan applied to the PR Treasury for a determination that Amendment 10 to the Plan effective as of January 1, 2024 meets the applicable requirements of the PRIRC.

Although the Plan has been amended (Amendment 10) since receiving the above-referenced determination letters, the Plan's management and the Plan's legal counsel believe that the Plan, as amended, continues to be qualified as tax-exempt and continues to operate in compliance with the applicable requirements of the PRIRC. Therefore, no provision for income taxes is included in the Plan’s financial statements.
GAAP requires the Plan’s management to evaluate tax positions taken by the Plan and recognize a tax liability (or asset) if the Plan has taken an uncertain position that more likely than not would not be sustained upon examination by the Internal Revenue Service. The Plan's management has concluded that, as of December 31, 2024 and 2023, there are no uncertain positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the financial statements.
The Plan is subject to audits by taxing jurisdictions; however, there are currently no audits for any open tax periods in progress. The Company believes the Plan is no longer subject to tax examination for years prior to 2021.
(9)    Plan Termination
Although it has not expressed any intention to do so, the Plan Sponsor reserves the right under the Plan to amend or discontinue its contributions at any time and to amend or terminate the Plan subject to the provisions of ERISA. In the event of Plan termination, either full or partial, all amounts credited to the impacted participants’ accounts will become 100% vested and, therefore, will not be subject to forfeiture.
(10)    Subsequent Events
The Plan’s management evaluated subsequent events through the date on which the financial statements were issued and determined that, other than those disclosed throughout the financial statements, no additional disclosures were required.
Effective January 1, 2025, Company matching contributions did not exceed the lesser of the participant’s contribution or 6% of the participant’s eligible compensation up to the Company limits of $200,000.
(11)    Reconciliation of Financial Statements to Form 5500
The following is a reconciliation of amounts reported in the financial statements to amounts reported on Form 5500 as of and for the years ended December 31, 2024 and 2023:
14

CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Notes to Financial Statements
December 31, 2024 and 2023


20242023
Net assets available for benefits per the financial statements$50,250,051 $49,174,852 
Adjustment from contract value to fair value for fully benefit-responsive investment contracts
(120,148)(135,437)
Net assets available for benefits per Form 5500$50,129,903 $49,039,415 
Net increase in net assets available for benefits per the financial statements$1,075,199 $4,086,450 
Prior year adjustment from contract value to fair value for fully benefit-responsive investment contracts135,437 165,495 
Current year adjustment from contract value to fair value for fully benefit-responsive investment contracts(120,148)(135,437)
Net increase in net assets per Form 5500$1,090,488 $4,116,508 
16

CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Cash equivalents and short-term investments:
Australian Dollar$2 
Canadian Dollar19 
Euro30 
Hong Kong Dollar17 
Indian Rupee118 
Japanese Yen50 
New Zealand Dollar1 
Norwegian Krone17 
Pound Sterling4 
U.S. Dollar74,232 
Vietnam Dong8 
*Collective U.S. Gov't STIF 1555,865 
Total cash equivalents and short-term investments $130,363 
Collective trust funds:
BlackRock LifePath Index 2030 Fund F28,817 $927,228 
BlackRock LifePath Index 2035 Fund F18,465 601,346 
BlackRock LifePath Index 2040 Fund F74,386 2,811,393 
BlackRock LifePath Index 2045 Fund F44,268 1,635,350 
BlackRock LifePath Index 2050 Fund F50,753 1,586,876 
BlackRock LifePath Index 2055 Fund F10,630 435,710 
BlackRock LifePath Index 2060 Fund F1,375 32,818 
BlackRock U.S. Debt Index Fund F140,099 4,683,232 
BlackRock LifePath Index Retirement Fund F23,523 627,114 
BlackRock MSCI ACWI ESG Focus Index Fund F8,334 164,089 
BlackRock EAFE Equity Index Fund F77,120 4,472,540 
BlackRock Emerging Markets Index Fund F129,324 1,740,291 
BlackRock Roll Select Commodity Index Fund F11,678 156,636 
BlackRock Russell 1000 Growth Fund F7,869 627,124 
BlackRock Russell 1000 Value Fund F654 37,450 
BlackRock Russell 2000 Index Fund F14,215 1,060,835 
BlackRock Russell 3000 Index Fund F36,263 4,379,838 
BlackRock Mid Capitalization Equity Index Fund F18,686 3,038,463 
BlackRock U.S Treasury Inflation Protected Securities Fund F19,726 481,615 
BlackRock Equity Index Fund F92,489 11,470,181 
Fidelity FIAM Concentrated Emerging Markets 3,170 165,964 
LS CIT Core Plus Fixed Income2,861 47,088 
Schroder Collective Investment Trust20,932 333,238 
       Total collective trust funds$41,516,419 
U.S. equities:
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

15
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
10X Genomics Inc2 $35 
A10 Networks Inc5 85 
Aaon Inc2 236 
Abacus Global Management Inc14 109 
Abercrombie & Fitch Co4 624 
Academy Sports & Outdoors Inc6 344 
Acadia Healthcare Co Inc6 251 
Acadia Pharmaceuticals Inc2 32 
Aci Worldwide Inc3 179 
Adapthealth Corp19 181 
Addus Homecare Corp9 1,139 
Adeia Inc30 419 
Adma Biologics Inc8 137 
Adtalem Global Education Inc4 328 
Advanced Energy Industries Inc1 91 
Affiliated Managers Group Inc1 94 
Agilysys Inc7 912 
Agios Pharmaceuticals Inc2 62 
Agree Realty Corp41 2,866 
Akero Therapeutics Inc3 75 
Alexandria Real Estate Equitie18 1,709 
Allegro Microsystems Inc37 817 
Allison Transmission Holdings2 187 
Alpha Metallurgical Resources— 89 
American Eagle Outfitters Inc31 517 
American Healthcare Reit Inc8 241 
American Homes 4 Rent42 1,574 
American States Water Co5 410 
American Tower Corp7 1,248 
Americold Realty Trust Inc5 100 
Ameris Bancorp16 977 
Amicus Therapeutics Inc5 46 
Amphastar Pharmaceuticals Inc6 230 
Api Group Corp8 291 
Applied Industrial Technologie1 284 
Arcbest Corp— 19 
Arcellx Inc1 75 
Archrock Inc13 312 
Arrow Electronics Inc2 260 
Arvinas Inc3 57 
Asbury Automotive Group Inc— 67 
Asgn Inc1 104 
Ashland Inc2 176 
Ati Inc5 248 
Atlas Energy Solutions Inc2 41 
Atlassian Corp31 7,590 
Atmus Filtration Technologies13 512 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

16
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Aurora Innovation Inc6 40 
Avidity Biosciences Inc4 121 
Avnet Inc11 558 
Axcelis Technologies Inc5 382 
Axos Financial Inc4 280 
Axsome Therapeutics Inc4 349 
Azek Co Inc/The6 295 
Azz Inc3 238 
Badger Meter Inc1 151 
Balchem Corp1 141 
Baldwin Insurance Group Inc/Th7 259 
Bancorp Inc/The3 165 
Beam Therapeutics Inc1 22 
Beazer Homes Usa Inc12 340 
Belden Inc6 658 
Bellring Brands Inc11 818 
Benchmark Electronics Inc5 233 
Bgc Group Inc59 538 
Bj's Wholesale Club Holdings I10 899 
Blackbaud Inc2 115 
Blackline Inc1 56 
Bloomin' Brands Inc2 28 
Blue Owl Capital Corp18 274 
Blue Owl Capital Inc9 202 
Blueprint Medicines Corp2 168 
Boise Cascade Co1 125 
Booz Allen Hamilton Holding Co1 167 
Box Inc4 113 
Boyd Gaming Corp8 547 
Brady Corp4 270 
Braze Inc3 120 
Bridgebio Pharma Inc21 588 
Bright Horizons Family Solutio1 109 
Brinker International Inc1 99 
Brink's Co/The7 672 
Broadridge Financial Solutions1 129 
Brunswick Corp/De1 49 
Builders Firstsource Inc1 73 
Bwx Technologies Inc1 158 
Bxp Inc25 1,830 
Byline Bancorp Inc10 293 
Cabot Corp2 161 
Caci International Inc— 47 
Cactus Inc3 198 
Cadence Bank7 231 
Cadre Holdings Inc2 51 
Caesars Entertainment Inc14 480 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

17
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Caleres Inc25 572 
Camden Property Trust17 1,921 
Carpenter Technology Corp1 123 
Cars.Com Inc26 459 
Carvana Co1 120 
Casella Waste Systems Inc2 198 
Casey's General Stores Inc— 194 
Castle Biosciences Inc24 651 
Catalyst Pharmaceuticals Inc17 354 
Cavco Industries Inc— 171 
Cbiz Inc3 211 
Ccc Intelligent Solutions Hold24 279 
Celldex Therapeutics Inc2 62 
Centrus Energy Corp1 57 
Champion Homes Inc1 124 
Championx Corp38 1,024 
Charles River Laboratories Int— 71 
Chart Industries Inc11 2,011 
Choice Hotels International In— 35 
Chord Energy Corp6 650 
Churchill Downs Inc1 154 
Cirrus Logic Inc1 144 
*Citigroup Inc16,072 1,131,289 
Civitas Resources Inc14 664 
Clean Harbors Inc1 202 
Cleanspark Inc3 25 
Clearwater Analytics Holdings24 649 
Cno Financial Group Inc21 786 
Cnx Resources Corp4 145 
Coca-Cola Consolidated Inc— 351 
Collegium Pharmaceutical Inc25 725 
Columbia Banking System Inc13 343 
Comfort Systems Usa Inc— 90 
Commercial Metals Co27 1,335 
Commvault Systems Inc2 285 
Concentra Group Holdings Paren2 39 
Concentrix Corp5 223 
Conmed Corp— 34 
Consol Energy Inc1 103 
Core & Main Inc1 36 
Corvel Corp3 279 
Coupang Inc346 7,610 
Cousins Properties Inc77 2,363 
Crane Co1 168 
Crinetics Pharmaceuticals Inc4 189 
Crocs Inc1 93 
Csw Industrials Inc1 294 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

18
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Cto Realty Growth Inc17 344 
Cubesmart17 739 
Curtiss-Wright Corp4 1,452 
Cytokinetics Inc3 141 
Darling Ingredients Inc17 587 
Deckers Outdoor Corp1 147 
Denali Therapeutics Inc23 469 
Dick's Sporting Goods Inc1 148 
Digital Realty Trust Inc34 5,982 
Digitalbridge Group Inc9 105 
Digitalocean Holdings Inc17 565 
Dime Community Bancshares Inc8 256 
Diodes Inc2 149 
Disc Medicine Inc1 69 
Domino's Pizza Inc— 84 
Donnelley Financial Solutions2 141 
Doubleverify Holdings Inc32 609 
Douglas Emmett Inc70 1,291 
Duolingo Inc1 310 
Dycom Industries Inc9 1,508 
Dynatrace Inc3 160 
Dyne Therapeutics Inc2 44 
Eagle Materials Inc1 240 
Eastgroup Properties Inc7 1,201 
Ecovyst Inc23 175 
Element Solutions Inc12 303 
Elf Beauty Inc1 145 
Emcor Group Inc— 155 
Empire State Realty Trust Inc58 600 
Employers Holdings Inc4 214 
Enact Holdings Inc10 314 
Encompass Health Corp17 1,543 
Endeavor Group Holdings Inc7 221 
Enersys15 1,404 
Ensign Group Inc/The3 366 
Entegris Inc7 714 
Eplus Inc1 51 
Equinix Inc9 8,056 
Equity Lifestyle Properties In61 4,085 
Equity Residential42 2,995 
Esab Corp3 306 
Essential Properties Realty Tr43 1,354 
Essex Property Trust Inc9 2,638 
Euronet Worldwide Inc2 177 
Evolent Health Inc26 287 
Exact Sciences Corp17 951 
Exelixis Inc7 225 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

19
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Exlservice Holdings Inc7 309 
Expand Energy Corp1 99 
Extra Space Storage Inc26 3,920 
Extreme Networks Inc2 41 
Fair Isaac Corp— 223 
Farmland Partners Inc51 595 
Federal Agricultural Mortgage5 930 
Federal Realty Investment Trus21 2,383 
Federal Signal Corp3 257 
Ferguson Enterprises Inc33 5,690 
First Advantage Corp24 452 
First American Financial Corp6 348 
First Industrial Realty Trust23 1,165 
First Merchants Corp18 715 
Firstcash Holdings Inc6 607 
Fluor Corp1 53 
Fnb Corp/Pa65 959 
Forestar Group Inc5 132 
Formfactor Inc2 97 
Fortinet Inc1 67 
Four Corners Property Trust In39 1,069 
Frontdoor Inc16 860 
Frontview Reit Inc26 464 
Fti Consulting Inc2 456 
Globus Medical Inc4 338 
Golub Capital Bdc Inc14 217 
Grand Canyon Education Inc5 798 
Granite Construction Inc6 532 
Graphic Packaging Holding Co38 1,034 
Green Brick Partners Inc2 131 
Griffon Corp8 548 
Group 1 Automotive Inc1 581 
Gulfport Energy Corp2 458 
Gxo Logistics Inc3 120 
H&R Block Inc3 171 
Hackett Group Inc/The6 195 
Haemonetics Corp7 533 
Halozyme Therapeutics Inc9 432 
Hamilton Lane Inc1 80 
Hancock Whitney Corp8 426 
Healthpeak Properties Inc19 381 
Helix Energy Solutions Group I24 223 
Herc Holdings Inc— 59 
Heritage Commerce Corp15 145 
Hexcel Corp1 34 
Highwoods Properties Inc13 383 
Hilton Grand Vacations Inc2 84 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

20
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Hims & Hers Health Inc1 30 
Home Bancshares Inc/Ar9 260 
Host Hotels & Resorts Inc56 989 
Huron Consulting Group Inc9 1,162 
Ideaya Biosciences Inc2 63 
Immunovant Inc15 383 
Impinj Inc1 106 
Insmed Inc34 2,379 
Installed Building Products In2 272 
Interdigital Inc7 1,330 
Interparfums Inc1 71 
Intra-Cellular Therapies Inc12 967 
Invitation Homes Inc42 1,333 
Ionis Pharmaceuticals Inc3 118 
Ionq Inc2 70 
Iovance Biotherapeutics Inc70 521 
Iridium Communications Inc7 191 
Iron Mountain Inc6 626 
Jamf Holding Corp25 355 
Janus International Group Inc31 229 
Janux Therapeutics Inc— 13 
Kadant Inc1 259 
Kelly Services Inc18 253 
Kemper Corp4 259 
Kimco Realty Corp118 2,773 
Kinsale Capital Group Inc— 36 
Kirby Corp1 131 
Kite Realty Group Trust28 702 
Knife River Corp2 232 
Kosmos Energy Ltd49 167 
Krystal Biotech Inc1 86 
Kulicke & Soffa Industries Inc1 34 
Kymera Therapeutics Inc3 122 
Ladder Capital Corp32 361 
Lamar Advertising Co5 621 
Landstar System Inc— 77 
Lantheus Holdings Inc7 616 
Laureate Education Inc37 684 
Lazard Inc26 1,356 
Lemaitre Vascular Inc1 105 
Leonardo Drs Inc3 106 
Liberty Energy Inc4 73 
Liberty Media Corp-Liberty Liv2 158 
Life Time Group Holdings Inc42 928 
Lifestance Health Group Inc61 447 
Light & Wonder Inc3 271 
Lincoln Electric Holdings Inc1 132 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

21
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Lincoln National Corp33 1,048 
Lindblad Expeditions Holdings26 310 
Linde Plc8 3,377 
Littelfuse Inc— 44 
Liveramp Holdings Inc9 283 
Loar Holdings Inc— 36 
Louisiana-Pacific Corp8 878 
Ltc Properties Inc15 520 
Lulu's Fashion Lounge Holdings39 44 
Macom Technology Solutions Hol2 248 
Madrigal Pharmaceuticals Inc— 99 
Magnite Inc45 718 
Manhattan Associates Inc1 217 
Mara Holdings Inc5 86 
Matador Resources Co3 183 
Matson Inc2 232 
Mattel Inc8 146 
Medical Properties Trust Inc60 236 
Medpace Holdings Inc— 88 
Mercadolibre Inc6 10,987 
Merchants Bancorp/In4 156 
Merit Medical Systems Inc3 293 
Meritage Homes Corp2 344 
Microstrategy Inc— 77 
Mid-America Apartment Communit17 2,612 
Mirum Pharmaceuticals Inc2 64 
Mks Instruments Inc1 121 
Modine Manufacturing Co15 1,751 
Molina Healthcare Inc— 91 
Monolithic Power Systems Inc— 56 
Monte Rosa Therapeutics Inc3 20 
Moog Inc— 26 
Mp Materials Corp9 141 
Mr Cooper Group Inc3 264 
Msa Safety Inc1 106 
Mueller Industries Inc1 65 
Mueller Water Products Inc48 1,080 
Murphy Usa Inc1 462 
Myr Group Inc6 912 
Natera Inc12 1,924 
National Bank Holdings Corp9 380 
Neurocrine Biosciences Inc1 108 
Newmark Group Inc49 628 
Nexstar Media Group Inc4 661 
Nextracker Inc1 36 
Nnn Reit Inc46 1,866 
Northeast Bank3 282 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

22
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Npk International Inc24 181 
Nurix Therapeutics Inc3 51 
Nutanix Inc4 233 
Nuvalent Inc1 94 
Oceanfirst Financial Corp10 190 
Olaplex Holdings Inc95 164 
Old National Bancorp/In19 410 
Olin Corp3 101 
Ollie's Bargain Outlet Holding1 92 
Onemain Holdings Inc11 599 
Onto Innovation Inc2 301 
Option Care Health Inc7 156 
Ormat Technologies Inc1 48 
Oscar Health Inc4 55 
Osi Systems Inc3 565 
Outfront Media Inc28 498 
Palomar Holdings Inc2 186 
Parsons Corp12 1,131 
Patrick Industries Inc2 144 
Patterson-Uti Energy Inc53 439 
Paylocity Holding Corp1 168 
Payoneer Global Inc30 305 
Peapack-Gladstone Financial Co8 240 
Pediatrix Medical Group Inc19 247 
Pegasystems Inc1 79 
Pennymac Financial Services In5 487 
Penumbra Inc1 158 
Perdoceo Education Corp17 442 
Performance Food Group Co17 1,466 
Permian Resources Corp10 138 
Photronics Inc14 341 
Pinnacle Financial Partners In9 1,074 
Pliant Therapeutics Inc2 32 
Pool Corp— 47 
Portland General Electric Co22 969 
Post Holdings Inc2 248 
Praxis Precision Medicines Inc1 61 
Preferred Bank/Los Angeles Ca5 457 
Prestige Consumer Healthcare I2 122 
Pricesmart Inc5 445 
Primerica Inc— 125 
Primoris Services Corp7 536 
Privia Health Group Inc48 935 
Procept Biorobotics Corp— 25 
Progress Software Corp16 1,053 
Prologis Inc73 7,759 
Ptc Inc1 239 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

23
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Ptc Therapeutics Inc2 87 
Public Storage4 1,266 
Pure Storage Inc— 27 
Pvh Corp8 871 
Q2 Holdings Inc3 304 
Qualys Inc1 85 
Quanex Building Products Corp28 678 
Qxo Building Products Inc9 868 
Radnet Inc18 1,239 
Rambus Inc8 399 
Range Resources Corp3 117 
Rayonier Inc46 1,208 
Rbc Bearings Inc— 140 
Realty Income Corp17 929 
Red Rock Resorts Inc1 45 
Redwood Trust Inc37 245 
Regal Rexnord Corp8 1,204 
Regency Centers Corp20 1,458 
Reliance Worldwide Corp Ltd42 131 
Remitly Global Inc36 820 
Repligen Corp1 139 
Replimune Group Inc9 109 
Resideo Technologies Inc10 227 
Revolution Medicines Inc2 98 
Rexford Industrial Realty Inc61 2,367 
Rhythm Pharmaceuticals Inc1 55 
Rli Corp1 114 
Rlj Lodging Trust58 588 
Rocket Lab Usa Inc2 61 
Rocket Pharmaceuticals Inc2 21 
Rpm International Inc2 234 
Rush Street Interactive Inc9 123 
Ryan Specialty Holdings Inc1 75 
Ryman Hospitality Properties I7 708 
Saia Inc1 270 
Sba Communications Corp7 1,367 
Scholar Rock Holding Corp3 146 
Select Medical Holdings Corp3 55 
Select Water Solutions Inc21 278 
Servicetitan Inc2 207 
Shift4 Payments Inc2 237 
Simon Property Group Inc12 2,063 
Simply Good Foods Co/The13 510 
Simpson Manufacturing Co Inc2 249 
Siteone Landscape Supply Inc2 226 
Sitime Corp5 1,007 
Six Flags Entertainment Corp7 318 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

24
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Skyward Specialty Insurance Gr4 199 
Slm Corp49 1,340 
Soleno Therapeutics Inc1 26 
Southstate Corp3 252 
Southwest Gas Holdings Inc15 1,070 
Springworks Therapeutics Inc22 799 
Sprout Social Inc18 548 
Sprouts Farmers Market Inc4 517 
Sps Commerce Inc1 252 
Spx Technologies Inc9 1,248 
Stag Industrial Inc37 1,263 
Stagwell Inc33 218 
Sterling Infrastructure Inc8 1,318 
Steven Madden Ltd10 444 
Stifel Financial Corp11 1,128 
Stonex Group Inc6 549 
Stride Inc13 1,316 
Summit Materials Inc24 1,202 
Sun Communities Inc20 2,505 
Taylor Morrison Home Corp30 1,829 
Td Synnex Corp7 813 
Tegna Inc25 456 
Teledyne Technologies Inc1 284 
Tenable Holdings Inc2 77 
Tenet Healthcare Corp2 268 
Texas Roadhouse Inc1 194 
Tg Therapeutics Inc1 27 
Thryv Holdings Inc2 27 
Tko Group Holdings Inc18 2,574 
Topbuild Corp1 194 
Toro Co/The1 101 
Transmedics Group Inc1 64 
Travel + Leisure Co1 69 
Trex Co Inc1 90 
Trinet Group Inc1 83 
Ufp Industries Inc2 247 
Ufp Technologies Inc1 181 
Ultra Clean Holdings Inc11 394 
Ultragenyx Pharmaceutical Inc3 115 
Umb Financial Corp14 1,589 
United Parks & Resorts Inc1 52 
Universal Corp/Va5 252 
Universal Health Services Inc2 343 
Upwork Inc14 228 
Urban Edge Properties27 580 
Utz Brands Inc13 201 
Valmont Industries Inc1 345 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

25
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Valvoline Inc3 92 
Varonis Systems Inc32 1,413 
Vaxcyte Inc5 443 
Veeco Instruments Inc2 50 
Ventas Inc71 4,191 
Vera Therapeutics Inc3 120 
Verint Systems Inc10 262 
Verra Mobility Corp40 972 
Vertex Inc13 679 
Vertiv Holdings Co2 253 
Vesync Co Ltd301 205 
Viking Therapeutics Inc11 436 
Viper Energy Inc23 1,139 
Vishay Intertechnology Inc34 568 
Visteon Corp1 119 
Vital Farms Inc21 786 
Vontier Corp6 227 
Vornado Realty Trust22 919 
Voya Financial Inc6 428 
Warrior Met Coal Inc2 93 
Watsco Inc— 88 
Watts Water Technologies Inc1 261 
Webster Financial Corp13 694 
Welltower Inc22 2,797 
Wesco International Inc7 1,283 
West Pharmaceutical Services I— 66 
Weyerhaeuser Co49 1,369 
Willscot Holdings Corp5 166 
Wingstop Inc1 328 
Wintrust Financial Corp15 1,809 
Woodward Inc2 305 
World Kinect Corp33 896 
Wynn Resorts Ltd1 73 
Xencor Inc4 86 
Xpo Inc1 116 
Yum China Holdings Inc35 1,691 
Zebra Technologies Corp— 154 
Zions Bancorp Na7 363 
Zurn Elkay Water Solutions Cor29 1,084 
     Total U.S. equities$1,431,406 
Non-U.S. equities:
3I Group Plc319 $14,240 
A2 Milk Co Ltd/The17 61 
A2A Spa74 163 
Aalberts Nv5 163 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

26
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Abb India Ltd10 811 
Abb Ltd100 5,396 
Abc-Mart Inc7 137 
Academedia Ab60 365 
Accelleron Industries Ag14 697 
Accton Technology Corp50 1,170 
Adastria Co Ltd3 71 
Adentra Inc10 254 
Adesso Se1 101 
Adriatic Metals Plc131 315 
Ad-Sol Nissin Corp2 31 
Adways Inc9 16 
Adyen Nv5 8,071 
Aedas Homes Sa17 462 
Aeris Resources Ltd215 23 
Agl Energy Ltd86 599 
Aia Group Ltd1,669 12,097 
Aib Group Plc568 3,132 
Aic Mines Ltd83 17 
Aiful Corp188 405 
Ai-Media Technologies Ltd21 11 
Air Liquide Sa67 10,891 
Airtac International Group4 110 
Aj Bell Plc66 374 
Aker Solutions Asa159 436 
Aldar Properties Pjsc291 608 
Aldrees Petroleum And Transpor12 396 
Alfa Financial Software Holdin99 266 
Alimak Group Ab9 98 
Alk-Abello A/S3 74 
Alkane Resources Ltd318 100 
Alkermes Plc5 155 
All Ring Tech Co Ltd32 393 
Alligo Ab2 22 
Alphamin Resources Corp179 133 
Alphapolis Co Ltd4 28 
Als Ltd13 122 
Alzchem Group Ag1 31 
Amada Co Ltd4 44 
Amadeus It Group Sa128 9,039 
Amano Corp7 198 
Amaze Co Ltd1 10 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

27
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Ambea Ab102 890 
Amplifon Spa25 646 
Ams-Osram Ag6 39 
Amvis Holdings Inc14 64 
Anest Iwata Corp3 29 
Anritsu Corp20 180 
Aon Plc31 11,105 
Apollo Hospitals Enterprise Lt13 1,075 
Arca Continental Sab De Cv394 3,270 
Arcadis Nv7 452 
Arch Capital Group Ltd95 8,798 
Archosaur Games Inc357 65 
Arcos Dorados Holdings Inc15 108 
Arena Reit18 44 
Ariston Holding Nv25 89 
Aritzia Inc12 432 
Arjo Ab3 10 
Aroa Biosurgery Ltd31 15 
Ascendis Pharma A/S— 28 
Asia Commercial Bank Jsc283 286 
Asia Vital Components Co Ltd38 720 
Askul Corp13 141 
Asm International Nv11 6,333 
Asml Holding Nv11 7,551 
Aspeed Technology Inc7 680 
Assured Guaranty Ltd8 757 
Astral Ltd12 229 
Astrazeneca Plc78 10,224 
Atkinsrealis Group Inc10 513 
Atour Lifestyle Holdings Ltd19 500 
Atrenew Inc15 44 
Ats Corporation6 176 
Attendo Ab20 93 
Aucnet Inc3 56 
Auction Technology Group Plc60 417 
Audiocodes Ltd3 26 
Aurelia Metals Ltd461 48 
Australian Clinical Labs Ltd16 33 
Autohome Inc84 2,167 
Avant Group Corp9 115 
Avanza Bank Holding Ab2 52 
Avio Spa11 152 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

28
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Awa Bank Ltd/The5 93 
Axalta Coating Systems Ltd6 216 
Axis Capital Holdings Ltd13 1,179 
Aya Gold & Silver Inc5 35 
Ayala Land Inc757 343 
B&S Group Sarl15 66 
Bae Systems Plc509 7,327 
Baioo Family Interactive Ltd276 9 
Bakkavor Group Plc36 66 
Balfour Beatty Plc8 46 
Baltic Classifieds Group Plc55 219 
Banca Generali Spa4 182 
Banca Mediolanum Spa68 812 
Banca Sistema Spa35 46 
Banco Btg Pactual Sa98 430 
Banco Comercial Portugues Sa65 31 
Banco Macro Sa6 579 
Bandai Namco Holdings Inc163 3,924 
Bang & Olufsen A/S3 4 
Bank Central Asia Tbk Pt6,782 4,077 
Bank Mandiri Persero Tbk Pt12,446 4,408 
Bank Of Iwate Ltd/The6 115 
Bankinter Sa425 3,362 
Baudroie Inc— 10 
Bawag Group Ag33 2,779 
Bbb Foods Inc21 580 
Bdo Unibank Inc389 967 
Beauty Garage Inc3 22 
Beiersdorf Ag43 5,581 
Beijer Ref Ab13 196 
Beijing Huafeng Test & Control7 96 
Belimo Holding Ag1 802 
Bell Financial Group Ltd14 11 
Bell System24 Holdings Inc7 53 
Beneteau Saca20 182 
Best Pacific International Hol122 48 
Bff Bank Spa18 172 
Bharat Electronics Ltd408 1,398 
Bharti Airtel Ltd87 1,608 
Bicycle Therapeutics Plc8 113 
Bid Corp Ltd19 437 
Bidvest Group Ltd38 528 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

29
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Big Yellow Group Plc20 239 
Bim Birlesik Magazalar As43 638 
Biohaven Ltd4 139 
Biprogy Inc11 347 
Blue Star Ltd40 1,001 
Boc Aviation Ltd21 165 
Bosideng International Holding393 196 
Bossard Holding Ag1 128 
Bper Banca Spa96 612 
Bravida Holding Ab28 202 
Bravura Solutions Ltd204 284 
Bredband2 I Skandinavien Ab229 41 
Brenntag Se72 4,342 
Bridgepoint Group Plc71 320 
Brp Inc2 108 
Bukit Sembawang Estates Ltd3 8 
Bunka Shutter Co Ltd12 143 
Bureau Veritas Sa222 6,751 
Business Brain Showa-Ota Inc2 29 
Business Engineering Corp1 20 
Bw Lpg Ltd41 457 
Byd Co Ltd45 1,550 
Cairn Homes Plc271 655 
Cairo Communication Spa18 47 
Caltagirone Spa3 19 
Camtek Ltd/Israel1 57 
Camurus Ab4 198 
Canadian National Railway Co36 3,646 
Canadian Natural Resources Ltd168 5,181 
Canadian Pacific Kansas City L121 8,785 
Capgemini Se60 9,882 
Capitec Bank Holdings Ltd12 2,008 
Capral Ltd3 16 
Capricorn Metals Ltd10 38 
Care Reit Plc59 60 
Carel Industries Spa14 265 
Carlsberg As37 3,567 
Carnival Plc4 91 
Carpenter Tan Holdings Ltd40 30 
Cedar Woods Properties Ltd10 34 
Cellavision Ab2 30 
Cellebrite Di Ltd30 651 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

30
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Central Depository Services In46 948 
Central Glass Co Ltd9 199 
Central Security Patrols Co Lt3 49 
Cg Power & Industrial Solution66 559 
Champion Reit145 32 
Channel Infrastructure Nz Ltd41 43 
Check Point Software Technolog19 3,609 
Chikaranomoto Holdings Co Ltd5 29 
China Leon Inspection Holding400 112 
China Merchants Commercial Rea111 17 
China Oilfield Services Ltd79 165 
China Resources Gas Group Ltd65 256 
China Resources Mixc Lifestyle121 448 
China Xinhua Education Group L430 40 
Chroma Ate Inc61 763 
Ci Financial Inc5 103 
Ci&T Inc29 177 
Cicor Technologies Ltd1 73 
Cie De Saint-Gobain Sa84 7,426 
Cie Financiere Richemont Sa65 9,941 
Cie Generale Des Etablissement82 2,695 
Cimb Group Holdings Bhd430 789 
Civmec Australia Ltd126 100 
Clas Ohlson Ab43 814 
Clicks Group Ltd38 756 
Cmc Markets Plc91 284 
Cnooc Energy Technology & Serv356 208 
Cochlear Ltd1 143 
Codan Ltd23 225 
Coface Sa11 165 
Cogeco Inc1 44 
Cognyte Software Ltd38 327 
Cogstate Ltd17 11 
Colopl Inc9 27 
Columbus A/S15 21 
Compass Group Plc453 15,090 
Computer Age Management Servic13 746 
Comture Corp2 31 
Continental Ag93 6,247 
Convatec Group Plc68 188 
Coor Service Management Holdin18 55 
Core Corp3 38 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

31
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Corp Inmobiliaria Vesta Sab De216 585 
Cosmo Pharmaceuticals Nv1 44 
Costain Group Plc253 335 
Coveo Solutions Inc16 69 
Craftsman Automation Ltd1 39 
Credicorp Ltd3 485 
Creditaccess Grameen Ltd13 131 
Credo Technology Group Holding28 1,869 
Crh Plc27 2,522 
Croda International Plc80 3,375 
Cromwell Property Group63 15 
Cts Co Ltd12 71 
Cummins India Ltd12 452 
Cyberagent Inc35 241 
Daetwyler Holding Ag— 70 
Daicel Corp16 146 
Daiei Kankyo Co Ltd13 232 
Dai-Ichi Cutter Kogyo Kk4 38 
Daiichikosho Co Ltd4 48 
Daikin Industries Ltd34 4,059 
Daishinku Corp4 13 
Daiwa Industries Ltd3 26 
Daiwabo Holdings Co Ltd12 231 
Dassault Systemes Se60 2,068 
Dbs Group Holdings Ltd144 4,610 
Deceuninck Nv51 128 
Definity Financial Corp9 369 
Delta Electronics Inc102 1,339 
Delta Israel Brands Ltd2 41 
Denso Corp303 4,266 
Dentalcorp Holdings Ltd20 116 
Descartes Sys Group Inc5 536 
Descartes Systems Group Inc/Th3 344 
Deutsche Boerse Ag32 7,352 
Dexerials Corp3 45 
Dfds A/S13 236 
Dgl Group Ltd/Au90 32 
Diageo Plc106 3,355 
Digital Hearts Holdings Co Ltd3 14 
Dip Corp14 230 
Diploma Plc3 145 
Divi's Laboratories Ltd8 583 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

32
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Dixon Technologies India Ltd12 2,459 
Dksh Holding Ag5 345 
Docebo Inc1 29 
Domino's Pizza Enterprises Ltd3 50 
Dong-E-E-Jiao Co Ltd48 416 
Dorel Industries Inc2 5 
Double Standard Inc3 30 
Dr Sulaiman Al Habib Medical S6 411 
Dream International Ltd107 68 
Dustin Group Ab180 69 
Dynapac Co Ltd1 13 
East Money Information Co Ltd470 1,661 
Eastroc Beverage Group Co Ltd44 1,484 
Eco's Co Ltd/Japan1 18 
Edenred Se84 2,759 
Eguarantee Inc8 92 
Ehime Bank Ltd/The3 20 
Eiken Chemical Co Ltd7 92 
Einhell Germany Ag— 23 
Eldorado Gold Corp18 262 
Elecom Co Ltd6 61 
Electric Connector Technology20 160 
Elior Group Sa14 41 
Elite Material Co Ltd44 824 
Elm Co2 734 
Elmera Group Asa175 590 
Elopak Asa20 80 
Emaar Properties Pjsc488 1,708 
Emak Spa39 36 
Ememory Technology Inc9 894 
Enea Ab17 155 
Energiekontor Ag1 31 
Engie Sa481 7,625 
Eni Spa243 3,288 
Ensign Energy Services Inc10 20 
Entra Asa10 98 
Environmental Group Ltd/The44 9 
Eramet Sa2 139 
Eri Holdings Co Ltd1 22 
Ermenegildo Zegna Nv29 238 
Ero Copper Corp20 275 
Esker Sa1 290 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

33
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Esr Group Ltd1,221 1,877 
Essent Group Ltd23 1,274 
Essilorluxottica Sa24 5,753 
E-Star Commercial Management C200 31 
Eternal Ltd555 1,802 
Eurobank Ergasias Services And419 968 
Eurofins Scientific Se6 292 
Evertec Inc2 80 
Evolution Mining Ltd76 225 
Evraz Plc84 86 
Exchange Income Corp7 297 
Experian Plc330 14,224 
Expro Group Holdings Nv2 30 
Fabasoft Ag1 21 
Fabrinet3 735 
Fanuc Corp148 3,939 
Fasadgruppen Group Ab19 79 
Fastighetsbolaget Emilshus Ab4 12 
Fcc Co Ltd5 96 
Fdm Group Holdings Plc4 16 
Ferrari Nv28 12,141 
Fiducian Group Ltd9 48 
Finecobank Banca Fineco Spa21 358 
Firan Technology Group Corp10 52 
Firm Capital Mtg Invt Corp2 15 
First Bancorp/Puerto Rico9 176 
Fisher & Paykel Healthcare Cor11 228 
Fiverr International Ltd5 153 
Flatexdegiro Ag31 473 
Fluidra Sa10 249 
Fomento Economico Mexicano Sab229 2,392 
Forfarmers Nv7 26 
Fortum Oyj259 3,622 
Fortuna Mining Corp13 54 
Fortune Electric Co Ltd26 445 
Foshan Haitian Flavouring & Fo126 791 
Fositek Corp12 288 
Foxtons Group Plc61 52 
Fpt Corp108 648 
Frasers Property Ltd26 18 
Ftai Aviation Ltd1 193 
Ftgroup Co Ltd5 40 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

34
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Fuchs Se8 273 
Fuji Corp/Aichi10 161 
Fuji Corp/Miyagi2 24 
Fuji Kyuko Co Ltd3 44 
Fuji Pharma Co Ltd5 53 
Fuji Seal International Inc3 47 
Fujii Sangyo Corp1 12 
Fujitsu General Ltd4 52 
Fukuoka Financial Group Inc5 137 
Fullcast Holdings Co Ltd5 43 
Fuller Smith & Turner Plc5 41 
Furuno Electric Co Ltd6 110 
Fuso Chemical Co Ltd8 175 
Futu Holdings Ltd5 377 
Future Corp21 252 
Fuyao Glass Industry Group Co126 1,073 
G5 Entertainment Ab8 82 
Galaxy Entertainment Group Ltd926 3,935 
Galp Energia Sgps Sa137 2,265 
Gamma Communications Plc31 592 
Gamuda Bhd531 563 
Ge Vernova T&D India Ltd26 628 
Gecoss Corp5 34 
Gentrack Group Ltd7 47 
Genuit Group Plc45 222 
Genus Plc12 229 
Genusplus Group Ltd6 10 
Geo Holdings Corp5 52 
Geolive Group Corp1 9 
Giga Prize Co Ltd1 8 
Gildan Activewear Inc98 4,630 
Giordano International Ltd120 26 
Gl Events Saca2 31 
Globant Sa1 213 
Globeride Inc2 24 
Glory Ltd9 141 
Gmo Internet Group Inc4 64 
Godrej Properties Ltd21 692 
Gold Road Resources Ltd60 76 
Golden Throat Holdings Group C44 18 
Grand Process Technology Corp9 396 
Green Landscaping Group Ab5 30 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

35
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Greenfire Resources Ltd4 27 
Grupo Aeroportuario Del Surest1 158 
Grupo Empresarial San Jose Sa5 24 
Grupo Financiero Banorte Sab D602 3,892 
Grupo Financiero Galicia Sa15 941 
Gudeng Precision Industrial Co26 389 
Guerbet1 37 
Gvs Spa24 122 
H World Group Ltd71 237 
Haier Smart Home Co Ltd43 153 
Hakuhodo Dy Holdings Inc26 200 
Hallenstein Glasson Holdings L6 28 
Hanwa Co Ltd13 400 
Hanwha Aerospace Co Ltd3 572 
Hd Hyundai Electric Co Ltd5 1,369 
Hdfc Asset Management Co Ltd13 623 
Hdfc Bank Ltd165 3,813 
Heidelberger Druckmaschinen Ag14 14 
Helios Towers Plc157 180 
Hellofresh Se3 40 
Helloworld Travel Ltd20 25 
Henan Pinggao Electric Co Ltd289 761 
Henkel Ag & Co Kgaa62 5,457 
Hennge Kk3 26 
Hera Spa72 256 
Hexagon Ab364 3,477 
Hiab Oyj1 64 
Higashi Holdings Co Ltd2 13 
High Liner Foods2 19 
Hikari Tsushin Inc1 305 
Hill & Smith Plc11 254 
Hindustan Aeronautics Ltd17 834 
Hipages Group Holdings Ltd15 12 
Hisamitsu Pharmaceutical Co In2 44 
Hiscox Ltd20 271 
Hitachi Ltd396 9,920 
Hkbn Ltd21 14 
Hoa Phat Group Jsc296 310 
Hodogaya Chemical Co Ltd1 13 
Hoist Finance Ab39 318 
Hokkan Holdings Ltd1 10 
Hon Hai Precision Industry Co361 2,027 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

36
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Hong Kong Exchanges & Clearing36 1,382 
Hong Kong Technology Venture C74 14 
Hongfa Technology Co Ltd55 240 
Horiba Ltd7 417 
Hoya Corp15 1,881 
Hs Holdings Co Ltd6 31 
Huali Industrial Group Co Ltd10 104 
Huaneng Lancang River Hydropow427 556 
Hugo Boss Ag1 48 
Humanwell Healthcare Group Co42 135 
Humm Group Ltd41 17 
Husqvarna Ab8 43 
Hypoport Se1 151 
Iar Systems Group Ab1 13 
Iberpapel Gestion Sa1 10 
Ibersol Sgps Sa6 44 
Icici Bank Ltd546 13,907 
Icon Plc61 12,834 
Idec Corp/Japan10 159 
Ifast Corp Ltd21 112 
Ihi Corp5 298 
I'Ll Inc3 50 
Illimity Bank Spa11 37 
Imagica Group Inc10 34 
Imcd Nv3 427 
Immobiliare Grande Distribuzio25 65 
Immunocore Holdings Plc9 277 
Impax Asset Management Group P20 61 
Impro Precision Industries Ltd247 62 
Indian Hotels Co Ltd/The183 1,876 
Indra Sistemas Sa2 32 
Info Edge India Ltd3 261 
Infomedia Ltd14 14 
Ing Groep Nv316 4,946 
Innovent Biologics Inc35 164 
Instone Real Estate Group Se20 178 
Intact Financial Corp12 2,222 
Intelbras Sa Industria De Tele35 71 
Intelligent Wave Inc1 11 
Interglobe Aviation Ltd11 569 
Intermediate Capital Group Plc14 362 
International Container Termin123 822 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

37
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Interpump Group Spa3 125 
Intesa Sanpaolo Spa1,197 4,786 
Iqe Plc691 96 
Iren Spa53 105 
Iriso Electronics Co Ltd4 64 
Isb Corp5 46 
Itab Shop Concept Ab8 14 
Itau Unibanco Holding Sa1,159 5,761 
Ituran Location And Control Lt1 45 
Ivf Hartmann Holding Ag— 13 
Jaccs Co Ltd5 119 
Jamieson Wellness Inc9 234 
Jamjoom Pharmaceuticals Factor8 344 
Janus Henderson Group Plc26 1,120 
Japan Aviation Electronics Ind6 105 
Japan Medical Dynamic Marketin4 15 
Japan Transcity Corp5 33 
Jb Hi-Fi Ltd9 492 
Jbcc Holdings Inc1 22 
Jcr Pharmaceuticals Co Ltd18 70 
Jd Sports Fashion Plc1,582 1,900 
Jentech Precision Industrial C9 407 
Jeol Ltd4 138 
Jet2 Plc1 16 
Jfrog Ltd28 837 
Jgc Holdings Corp30 250 
Jiangsu Hengli Hydraulic Co Lt14 104 
Jinmao Property Services Co Lt66 21 
Johnson Service Group Plc191 325 
Jost Werke Se1 25 
Js Global Lifestyle Co Ltd859 154 
Jsw Energy Ltd70 527 
Jtc Plc44 547 
Julius Baer Group Ltd36 2,332 
Jumbo Interactive Ltd3 24 
Justsystems Corp8 182 
Jutal Offshore Oil Services Lt280 26 
Jyp Entertainment Corp4 192 
Kakaku.Com Inc19 286 
Kalmar Oyj1 22 
Kalyan Jewellers India Ltd67 603 
Kambi Group Plc3 23 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

38
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Kamei Corp5 55 
Kamigumi Co Ltd2 54 
Kanaden Corp6 61 
Kanzhun Ltd15 205 
Kardex Holding Ag1 351 
Karooooo Ltd— 19 
Kaufman & Broad Sa1 28 
Kaynes Technology India Ltd12 1,083 
Kbc Group Nv94 7,279 
Kei Industries Ltd13 664 
Kenko Mayonnaise Co Ltd3 34 
Kfin Technologies Ltd34 615 
Kid Asa20 233 
Kier Group Plc41 76 
Kimura Unity Co Ltd1 10 
Kinaxis Inc2 190 
King Slide Works Co Ltd12 551 
King Yuan Electronics Co Ltd159 541 
Kingboard Laminates Holdings L165 153 
Klabin Sa92 346 
Klingelnberg Ag1 14 
Knaus Tabbert Ag3 38 
Kogan.Com Ltd9 34 
Koike Sanso Kogyo Co Ltd1 43 
Kokusai Electric Corp283 3,869 
Konica Minolta Inc107 449 
Koninklijke Bam Groep Nv47 204 
Konoike Transport Co Ltd3 65 
Kose Corp36 1,634 
Kudelski Sa6 8 
Kuriyama Holdings Corp11 91 
Kweichow Moutai Co Ltd3 730 
Kws Saat Se & Co Kgaa1 50 
Kyocera Corp196 1,969 
Kyoritsu Maintenance Co Ltd6 110 
Laboratorios Farmaceuticos Rov6 414 
Lagercrantz Group Ab6 120 
Lectra7 184 
Legrand Sa55 5,335 
Leifheit Ag1 10 
Lh Group Ltd118 7 
Lhn Ltd45 17 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

39
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Li Ning Co Ltd2,504 5,305 
Life Corp5 103 
Lifull Co Ltd13 17 
Linde Plc15 6,103 
Linmon Media Ltd42 15 
Liontrust Asset Management Plc3 20 
Litalico Inc9 51 
Logista Integral Sa1 23 
Loncin Motor Co Ltd97 121 
London Stock Exchange Group Pl57 8,071 
Look Holdings Inc5 68 
Lotes Co Ltd19 1,137 
Luceco Plc88 142 
Lucero Energy Corp291 86 
Luyuan Group Holding Cayman Lt26 25 
Lvmh Moet Hennessy Louis Vuitt9 5,999 
M&A Capital Partners Co Ltd2 29 
M1 Kliniken Ag2 31 
Macrotech Developers Ltd49 801 
Mahindra & Mahindra Ltd36 1,253 
Makemytrip Ltd9 1,060 
Mandatum Oyj7 35 
Mandom Corp7 59 
Maple Leaf Foods Inc5 67 
Marco Polo Marine Ltd1,064 42 
Marex Group Plc8 260 
Marklines Co Ltd3 47 
Marks & Spencer Group Plc22 105 
Martinrea International Inc3 19 
Matsui Construction Co Ltd2 13 
Matsukiyococokara & Co235 3,446 
Matsuoka Corp3 42 
Max Healthcare Institute Ltd69 913 
Maxell Ltd8 95 
Mazda Motor Corp18 127 
Mcbride Plc55 73 
Mcj Co Ltd6 54 
Medadvisor Ltd54 8 
Mediatek Inc47 2,012 
Medipal Holdings Corp2 28 
Megachips Corp3 137 
Meiji Electric Industries Co L2 16 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

40
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Meitec Group Holdings Inc2 36 
Meituan754 14,726 
Menicon Co Ltd15 138 
Merck Kgaa77 11,211 
Merus Nv1 31 
Metawater Co Ltd13 152 
Methanex Corp9 459 
Metro Brands Ltd11 150 
Mfe-Mediaforeurope Nv3 14 
Midea Group Co Ltd72 703 
Mikron Holding Ag1 14 
Military Commercial Joint Stoc149 146 
Minsheng Education Group Co Lt244 6 
Minto Apartment Reit28 258 
Mips Ab3 131 
Mitani Sangyo Co Ltd26 55 
Mito Securities Co Ltd26 94 
Mitsuba Corp6 38 
Mitsubishi Electric Corp256 4,379 
Mitsubishi Heavy Industries Lt663 9,373 
Mitsui High-Tec Inc15 81 
Miura Co Ltd14 365 
Mizuho Financial Group Inc202 4,971 
Mizuno Corp1 61 
Modec Inc10 207 
Monday.Com Ltd27 6,462 
Monogatari Corp/The9 207 
Montana Aerospace Ag24 382 
Moonlake Immunotherapeutics2 81 
Morguard Corp— 34 
Moriroku Co Ltd6 72 
Morita Holdings Corp3 40 
Morito Co Ltd6 61 
Mount Gibson Iron Ltd553 101 
Moury Construct Sa— 20 
Mr Price Group Ltd76 1,183 
Mt Hoejgaard Holding A/S1 35 
Mtu Aero Engines Ag7 2,454 
Multiconsult Asa5 89 
Multiplan Empreendimentos Imob33 112 
Murakami Corp2 88 
Nachi-Fujikoshi Corp5 108 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

41
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Nagarro Se2 136 
Nakanishi Inc9 143 
Nanosonics Ltd23 43 
Navigator Holdings Ltd9 137 
Nec Corp67 5,861 
Nederman Holding Ab3 65 
Nestle Sa83 6,864 
Netease Inc160 2,858 
Netwealth Group Ltd7 120 
Neutech Group Ltd38 12 
New Hope Service Holdings Ltd141 36 
Nexity Sa20 265 
Nextage Co Ltd26 239 
Nexxen International Ltd5 27 
Nicca Chemical Co Ltd9 62 
Nichia Steel Works Ltd13 25 
Nichirin Co Ltd1 16 
Nifco Inc/Japan12 299 
Nihon Flush Co Ltd3 15 
Nihon M&A Center Holdings Inc31 129 
Nihon Trim Co Ltd1 18 
Nippon Concept Corp3 37 
Nippon Information Development1 23 
Nippon Paper Industries Co Ltd33 181 
Nippon Rietec Co Ltd2 14 
Nippon Sanso Holdings Corp151 4,261 
Nippon Seiki Co Ltd25 184 
Nippon Shinyaku Co Ltd12 298 
Nippon Soda Co Ltd21 391 
Nissan Chemical Corp3 108 
Nisshinbo Holdings Inc52 296 
Nissin Corp1 28 
Niterra Co Ltd12 376 
Nitori Holdings Co Ltd36 4,238 
Nitto Kogyo Corp4 75 
Nkt A/S2 177 
Nobia Ab105 36 
Noble Corp Plc2 55 
Nomad Foods Ltd16 271 
Norconsult Norge As51 197 
Norcros Plc9 27 
Nordnet Ab Publ15 319 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

42
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
North Media A/S4 26 
Norva24 Group Ab65 155 
Nova Ljubljanska Banka Dd6 155 
Nova Ltd3 610 
Novanta Inc2 271 
Novartis Ag61 6,014 
Novo Nordisk A/S224 19,457 
Nrj Group7 52 
Ns Solutions Corp2 61 
Ns Tool Co Ltd6 29 
Ns United Kaiun Kaisha Ltd2 50 
Nsd Co Ltd10 216 
Ntg Nordic Transport Group A/S4 146 
Ntpc Ltd386 1,504 
Nu Holdings Ltd/Cayman Islands583 6,039 
Nufarm Ltd6 14 
Nuvista Energy Ltd23 225 
Obara Group Inc14 354 
Oberoi Realty Ltd20 531 
Obic Business Consultants Co L3 146 
Ocado Group Plc11 42 
Ocean Wilsons Holdings Ltd4 73 
Odakyu Electric Railway Co Ltd7 64 
Odfjell Se2 18 
Odfjell Technology Ltd3 13 
Ohba Co Ltd2 11 
Oie Sangyo Co Ltd1 14 
Okamura Corp4 48 
Okea Asa7 12 
Oki Electric Industry Co Ltd15 104 
Olympus Corp221 3,329 
Onamba Co Ltd2 15 
Onward Holdings Co Ltd16 61 
Ooh!Media Ltd138 101 
Open House Group Co Ltd3 112 
Open Up Group Inc6 68 
Optim Corp4 16 
Optorun Co Ltd11 128 
Orange Sa548 5,464 
Orion Sa13 198 
Oro Co Ltd2 28 
Orsero Spa4 52 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

43
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Osisko Gold Royalties Ltd8 143 
Otp Bank Nyrt15 819 
Otsuka Holdings Co Ltd58 3,164 
Oxford Nanopore Technologies P77 124 
Page Industries Ltd— 260 
Pal Group Holdings Co Ltd4 73 
Palram Industries 1990 Ltd4 82 
Parken Sport & Entertainment A2 27 
Pca Corp2 22 
Penta-Ocean Construction Co Lt15 61 
Pernod Ricard Sa42 4,742 
Perseus Mining Ltd127 202 
Persimmon Plc14 207 
Persol Holdings Co Ltd214 321 
Phoenix Mills Ltd/The30 581 
Pidilite Industries Ltd12 398 
Pilbara Minerals Ltd72 98 
Piquadro Spa11 24 
Piraeus Financial Holdings Sa1,421 5,664 
Planisware Sa15 426 
Playmates Toys Ltd286 23 
Playside Studios Ltd80 20 
Polar Capital Holdings Plc7 45 
Pole To Win Holdings Inc45 130 
Polycab India Ltd4 370 
Pop Mart International Group L49 565 
Popular Inc20 1,865 
Pr Times Corp2 19 
Prevas Ab2 20 
Prinx Chengshan Holdings Ltd20 19 
Proact It Group Ab4 47 
Prologis Property Mexico Sa De131 364 
Prosegur Cash Sa173 99 
Prothena Corp Plc2 35 
Prudential Plc208 1,658 
Puma Se90 4,111 
Q&M Dental Group Singapore Ltd67 14 
Qiagen Nv65 2,905 
Qinetiq Group Plc26 134 
Qualitas Ltd8 13 
Quanta Computer Inc90 791 
Quilter Plc247 476 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

44
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Radware Ltd5 119 
Raia Drogasil Sa96 341 
Raisio Oyj22 50 
Rakus Co Ltd7 88 
Ramelius Resources Ltd102 131 
Rank Group Plc32 35 
Rasa Corp3 26 
Ratos Ab5 14 
Reach Subsea Asa140 97 
Rec Ltd94 552 
Record Plc33 22 
Redcare Pharmacy Nv7 932 
Regis Healthcare Ltd11 42 
Regis Resources Ltd79 125 
Reitmans (Canada) Ltd36 61 
Reliance Industries Ltd55 3,111 
Relx Plc388 17,654 
Renesas Electronics Corp155 2,020 
Rengo Co Ltd41 226 
Renishaw Plc4 170 
Resolute Mining Ltd178 43 
Resorttrust Inc13 269 
Retail Partners Co Ltd4 36 
Rheon Automatic Machinery Co L3 28 
Ricegrowers Ltd8 53 
Richelieu Hardware Ltd6 172 
Rightmove Plc21 166 
Riken Vitamin Co Ltd3 43 
Rinnai Corp5 104 
Rio Tinto Plc98 5,819 
Riso Kagaku Corp4 46 
Riverstone Holdings Ltd21 16 
Riyadh Cables Group Co13 492 
Riyue Heavy Industry Co Ltd88 144 
Robertet Sa— 230 
Roche Holding Ag47 13,334 
Rohm Co Ltd5 50 
Rolls-Royce Holdings Plc2,079 14,803 
Rotork Plc110 434 
Round One Corp25 207 
Royal Unibrew A/S2 147 
Rs Group Plc415 3,538 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

45
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Ruijie Networks Co Ltd11 110 
Ryanair Holdings Plc154 6,695 
Ryohin Keikaku Co Ltd2 46 
Safran Sa56 12,312 
Saipem Spa62 160 
Sakai Moving Service Co Ltd2 37 
Sakata Inx Corp38 421 
Salik Co Pjsc554 815 
Samsung Biologics Co Ltd1 503 
Samsung Electronics Co Ltd220 7,962 
Sandvik Ab167 3,003 
Sanko Metal Industrial Co Ltd2 58 
Sankyu Inc6 212 
Sansan Inc12 176 
Sansha Electric Manufacturing3 18 
Santen Pharmaceutical Co Ltd53 550 
Sanwa Holdings Corp5 153 
Sanyo Engineering & Constructi2 9 
Sanyo Special Steel Co Ltd2 26 
Sap Se91 22,340 
Sapiens International Corp Nv6 161 
Sapphire Foods India Ltd41 158 
Sato Corp4 63 
Sato Shoji Corp2 15 
Scales Corp Ltd16 36 
Scandi Standard Ab3 25 
Scandinavian Tobacco Group A/S6 81 
Schneider Electric Se71 17,734 
Schoeller-Bleckmann Oilfield E6 182 
Schott Pharma Ag & Co Kgaa10 269 
Scout24 Se2 193 
Sea Ltd145 15,409 
Seadrill Ltd3 116 
Sega Sammy Holdings Inc13 259 
Sekisui Kasei Co Ltd15 35 
Selvaag Bolig Asa5 15 
Sensata Technologies Holding P11 310 
Sensirion Holding Ag— 20 
Seraku Co Ltd2 22 
Servcorp Ltd4 12 
Service Stream Ltd737 712 
Seven & I Holdings Co Ltd244 3,866 
Severfield Plc102 66 
Shandong Pharmaceutical Glass54 189 
Shandong Weigao Group Medical257 152 
Shanghai Conant Optical Co Ltd13 41 
Shanghai Gench Education Group44 16 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

46
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Shaver Shop Group Ltd23 19 
Shenzhen Envicool Technology C27 151 
Shenzhen Jufei Optoelectronics135 126 
Shibaura Machine Co Ltd1 19 
Shibuya Corp3 79 
Shift Inc1 136 
Shimadzu Corp155 4,402 
Shimamura Co Ltd1 60 
Shimizu Corp28 221 
Shimojima Co Ltd2 15 
Shin Maint Holdings Co Ltd3 31 
Shin-Etsu Chemical Co Ltd108 3,634 
Shopify Inc3 365 
Shoprite Holdings Ltd51 791 
Siegfried Holding Ag— 164 
Siemens Ag23 4,414 
Siemens Energy Ag164 8,539 
Siemens Healthineers Ag99 5,240 
Siemens Ltd11 873 
Sieyuan Electric Co Ltd74 734 
Sigmaxyz Holdings Inc5 29 
Siix Corp2 14 
Sika Ag9 2,072 
Siltronic Ag8 381 
Singapore Telecommunications L1,373 3,100 
Sinko Industries Ltd1 10 
Sitoy Group Holdings Ltd130 9 
Sk Hynix Inc35 4,147 
Skan Group Ag1 91 
Sks Technologies Group Ltd13 15 
Sma Solar Technology Ag8 112 
Smc Corp6 2,337 
Smk Corp1 16 
Sms Co Ltd30 304 
Social Housing Reit Plc103 76 
Softcreate Holdings Corp5 72 
Sohgo Security Services Co Ltd25 169 
Soitec1 79 
Sompo Holdings Inc50 1,303 
Sonova Holding Ag9 2,803 
Sony Group Corp292 6,270 
Sophia Genetics Sa25 78 
Sp Group A/S— 14 
Sparebank 1 Smn4 54 
Sparekassen Sjaelland-Fyn A/S1 28 
Sparx Group Co Ltd3 26 
Spie Sa30 919 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

47
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Spin Master Corp8 190 
Spirax Group Plc6 527 
Spotify Technology Sa26 11,834 
Square Enix Holdings Co Ltd5 192 
Srg Global Ltd63 54 
Ssr Mining Inc14 98 
Starragtornos Group Ag— 9 
Step One Clothing Ltd20 16 
Steris Plc32 6,632 
Stillfront Group Ab28 21 
Storagevault Canada Inc69 190 
Structure Therapeutics Inc15 405 
Subsea 7 Sa26 405 
Sumitomo Heavy Industries Ltd6 117 
Sumitomo Mitsui Financial Grou165 3,960 
Sumitomo Pharma Co Ltd21 75 
Sumitomo Riko Co Ltd4 43 
Sumitomo Seika Chemicals Co Lt4 127 
Sun Pharmaceutical Industries65 1,425 
Sun* Inc15 68 
Suncor Energy Inc232 8,283 
Suzuken Co Ltd/Aichi Japan8 254 
Suzuki Motor Corp324 3,692 
Sweco Ab10 156 
Sword Group1 22 
Syncona Ltd73 96 
System Research Co Ltd1 13 
System Support Holdings Inc4 42 
Systena Corp15 36 
Taiheiyo Cement Corp20 466 
Taikisha Ltd1 24 
Taiwan Semiconductor Manufactu898 60,310 
Takamatsu Construction Group C2 36 
Takashimaya Co Ltd31 246 
Takeuchi Manufacturing Co Ltd4 142 
Tam Jai International Co Ltd911 92 
Tasmea Ltd54 104 
Tata Consultancy Services Ltd31 1,459 
Tatton Asset Management Plc9 75 
Tdc Soft Inc2 19 
Team Internet Group Plc26 30 
Teamviewer Se52 512 
Tecan Group Ag1 123 
Techmatrix Corp15 227 
Technipfmc Plc9 263 
Technopro Holdings Inc16 302 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

48
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Technoprobe Spa22 130 
Techtronic Industries Co Ltd368 4,860 
Tecsys Inc1 41 
Teekay Tankers Ltd15 595 
Telkom Indonesia Persero Tbk P176 2,894 
Telus International Cda Inc18 72 
Temairazu Inc4 79 
Tencent Holdings Ltd472 25,316 
Tera Probe Inc2 41 
Terasaki Electric Co Ltd1 22 
Terumo Corp179 3,494 
Tesco Plc734 3,385 
Tgs Asa34 336 
Thales Sa45 6,423 
Thinkific Labs Inc7 14 
Thyssenkrupp Ag4 16 
Tinexta Spa3 21 
Tkc Corp4 90 
Tocalo Co Ltd1 11 
Toei Animation Co Ltd3 75 
Tokai Carbon Co Ltd40 232 
Tokyo Century Corp15 157 
Tokyo Individualized Education4 9 
Tokyo Kiraboshi Financial Grou6 171 
Tokyo Seimitsu Co Ltd3 160 
Tokyo Tatemono Co Ltd16 259 
Tomato Bank Ltd3 21 
Tomy Co Ltd4 114 
Topy Industries Ltd3 38 
Torex Gold Resources Inc2 40 
Toronto Dominion Bank52 2,771 
Torrent Pharmaceuticals Ltd4 151 
Toshiba Tec Corp6 128 
Tosho Co Ltd7 28 
Totvs Sa26 114 
Towa Bank Ltd/The7 27 
Toyo Engineering Corp15 68 
Toyo Suisan Kaisha Ltd54 3,681 
Toyo Tire Corp29 452 
Trainline Plc35 190 
Trelleborg Ab5 160 
Trent Ltd17 1,381 
Trinity Industrial Corp4 28 
Trip.Com Group Ltd85 5,913 
Trivago Nv6 14 
Triveni Turbine Ltd51 438 
Troax Group Ab7 145 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

49
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Truly International Holdings L594 87 
Trusco Nakayama Corp11 161 
Trustpilot Group Plc106 409 
Tryt Inc56 145 
Tsubakimoto Kogyo Co Ltd2 31 
Tsutsumi Jewelry Co Ltd2 29 
Turkiye Garanti Bankasi As166 586 
Tuya Inc9 15 
Tvs Motor Co Ltd19 535 
Ubicom Holdings Inc7 61 
Ubisoft Entertainment Sa1 15 
U-Blox Holding Ag1 94 
Ubs Group Ag392 11,999 
Unicaja Banco Sa188 249 
Unicredit Spa95 3,804 
Unilever Plc97 5,510 
Unipol Assicurazioni Spa18 221 
Unipres Corp4 30 
United Arrows Ltd1 26 
Unitronics9 62 
Universal Engeisha Kk— 9 
Universal Music Group Nv165 4,212 
Uno Minda Ltd45 548 
Urbana Corp5 19 
Valmet Oyj7 176 
Valqua Ltd1 27 
Valuecommerce Co Ltd6 46 
Varun Beverages Ltd119 888 
Vector Inc13 85 
Vedant Fashions Ltd11 172 
Verallia Sa8 194 
Viaplay Group Ab373 23 
Victorian Plumbing Group Plc69 80 
Viel & Cie Sa3 34 
Viking Line Abp— 10 
Virbac Saca1 344 
Visional Inc3 131 
Vista Energy Sab De Cv15 821 
Vt Holdings Co Ltd33 104 
Vtech Holdings Ltd10 67 
Vz Holding Ag4 634 
Wacom Co Ltd11 53 
Waste Connections Inc30 5,120 
Watches Of Switzerland Group P38 269 
Wave Life Sciences Ltd1 18 
Weatherford International Plc7 511 
Weg Sa169 1,446 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

50
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Weir Group Plc/The11 306 
Wesdome Gold Mines Ltd24 216 
White Mountains Insurance Grou— 578 
Winway Technology Co Ltd12 407 
Wiwynn Corp12 931 
Wix.Com Ltd19 4,183 
Worldline Sa/France22 193 
W-Scope Corp19 33 
Wus Printed Circuit Kunshan Co15 84 
Wuxi Xinje Electric Co Ltd19 110 
X-Fab Silicon Foundries Se21 107 
Xiamen Faratronic Co Ltd15 240 
Xiaomi Corp614 2,725 
Xin Point Holdings Ltd182 101 
Xps Pensions Group Plc24 103 
Xrf Scientific Ltd11 13 
Xuji Electric Co Ltd52 197 
Yamabiko Corp5 85 
Yamagata Bank Ltd/The7 48 
Yamaha Corp31 221 
Yamaichi Electronics Co Ltd2 28 
Yamato Holdings Co Ltd23 260 
Yancoal Australia Ltd13 53 
Yangzijiang Financial Holding2,116 644 
Yangzijiang Shipbuilding Holdi418 916 
Yankershop Food Co Ltd30 261 
Yantai Jereh Oilfield Services47 240 
Yokorei Co Ltd15 79 
Yokowo Co Ltd16 181 
Yossix Holdings Co Ltd2 49 
Yougov Plc43 224 
Ypf Sa20 852 
Yto Express Group Co Ltd61 118 
Yue Yuen Industrial Holdings L127 285 
Yunnan Aluminium Co Ltd103 190 
Yutaka Giken Co Ltd2 24 
Yutong Bus Co Ltd210 760 
Zacros Corp1 41 
Zalando Se150 5,042 
Zalaris Asa2 13 
Zealand Pharma A/S3 259 
Zenkoku Hosho Co Ltd4 143 
Zeria Pharmaceutical Co Ltd2 32 
Zero Co Ltd3 55 
Zinzino Ab3 21 
Zozo Inc82 2,567 
Zurich Insurance Group Ag10 5,915 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

51
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
$1,213,200 
Mutual funds and other registered investment companies
Blackrock High Yield-K29,811 $211,658 
Blackrock Instl Trr Co N A Inv1,633 21,045 
Blckrck Cash-Trsry-Inst2,490,034 2,490,034 
Dimensional Emrg Mrkts Ii9,027 161,408 
Fidelity Adv Ttl Bnd-Z4,994 46,896 
Pgim High Yield-R622,147 105,643 
Pimco Income Fund-Ins2,248 23,646 
T Rowe Pr Inst Hi Yld-Inst27,041 211,729 
Total mutual funds and other registered investment companies$3,272,059 
Synthetic guaranteed invesment contracts (GICs):
American General Life Contract No. 725840
Toyota Motor Corp1.34 %3/25/2026302 292 
Wells Fargo & Co3.58 %5/22/2028890 866 
Province Of Quebec0.60 %7/23/2025729 716 
Federal Home Loan Bank1.00 %7/27/2026712 679 
Federal Home Loan Bank1.05 %8/13/2026712 679 
Fnma 20Yr Pool Ma46203.50 %4/1/2042254 230 
Solventum Corp -- 144A W/Rr5.40 %3/1/2029178 182 
Merck & Co Inc1.45 %6/24/2030356 298 
Republic Of Peru3.30 %3/11/2041178 131 
Eog Resources Inc4.15 %1/15/2026231 235 
Resrvble For Fut & Opt— %468 468 
Warnermedia Holdings Inc4.05 %3/15/2029285 268 
Gnma Ii 30Yr Pool Ma71922.00 %2/20/2051814 653 
Eog Resources4.38 %4/15/2030142 140 
Fhlmc 30Yr Pool Sd35536.00 %7/1/2053469 474 
Freddie Mac0.80 %10/28/2026712 669 
T-Mobile Usa Inc3.50 %4/15/2025516 517 
Us Treasury Note4.63 %9/15/202689 91 
Bat Capital Corp2.26 %3/25/202818 16 
Mplx Lp4.13 %3/1/2027712 711 
At&T Inc2.30 %6/1/2027142 135 
Anthem Inc4.10 %5/15/2032107 99 
Fhlmc Gold 30Yr Gold Pool G610403.50 %6/1/20473,060 2,769 
Wells Fargo & Co2.88 %10/30/20301,085 985 
Slc Student Loan Trust 2008 1 A4A6.67 %12/15/2032716 727 
Charter Comm Opt Llc/Cap4.91 %7/23/2025276 281 
Philip Morris Intl Inc5.25 %2/13/203453 54 
Us Bancorp1.45 %5/12/20251,067 1,057 
Lowe's Companies Inc4.50 %4/15/2030356 352 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

52
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Intercontinentalexchange4.60 %3/15/203371 69 
Home Depot Inc2.88 %4/15/20271,139 1,107 
Cintas Corp No. 23.70 %4/1/202736 35 
Micron Technology Inc5.88 %2/9/203318 19 
Air Lease Corp5.30 %2/1/2028125 128 
J.P. Morgan Chase & Co.2.58 %4/22/2032107 92 
Fhlmc 30Yr Pool Sd38386.00 %10/1/2053787 802 
Enterprise Products Operating Llc4.15 %10/16/202818 18 
Nike Inc2.75 %3/27/2027552 535 
Danske Bank A/S -- 144A6.26 %9/22/20261,139 1,167 
Fhlmc 5483 Fd6.00 %12/25/2054193 194 
Cigna Corp2.40 %3/15/2030169 149 
Fhlmc 30Yr Pool Qe17194.00 %5/1/20522,199 2,022 
Ally Auto Receivables Trust 2024 2 A34.14 %7/16/2029729 726 
Eqt Corp3.90 %10/1/2027178 175 
Adobe Inc2.30 %2/1/2030213 192 
Tenn Valley Authority3.88 %3/15/2028712 710 
Kroger Co5.00 %9/15/203418 18 
Fhlmc 30Yr Pool Sd75553.00 %8/1/2052580 502 
Bank Of America Corp1.66 %3/11/2027801 775 
Cvs Health Corp3.63 %4/1/2027463 453 
Altria Group Inc2.45 %2/4/203253 44 
Bat Capital Corp3.56 %8/15/202714 14 
Gnma Ii 30Yr Pool Ma81993.50 %8/20/20522,529 2,270 
Comcast Corp4.15 %10/15/202871 70 
Bank 2023 Bnk46 A45.75 %8/15/2056569 589 
Verizon Communications4.78 %2/15/2035158 154 
Us Treasury Note4.63 %4/30/20291,352 1,376 
Lockheed Martin Corp4.50 %2/15/2029231 233 
General Dynamics Corp3.75 %5/15/2028676 659 
Banco Santander Sa4.18 %3/24/2028356 352 
Fhlmc 20Yr Pool Rb07142.00 %12/1/2041697 584 
Abbvie Inc2.95 %11/21/20261,459 1,422 
Pioneer Natural Resources Company1.13 %1/15/202671 69 
Rtx Corp3.13 %5/4/2027160 155 
Broadcom Inc3.15 %11/15/2025409 406 
Gnma Ii 30Yr Pool Ma76503.00 %10/20/20511,218 1,060 
Glencore Funding Llc5.37 %4/4/2029267 272 
Charles Schwab Corp1.15 %5/13/20261,103 1,055 
Adp1.70 %5/15/2028463 423 
Brhea 2011-2 A36.45 %10/27/2036775 783 
Gnma Ii 30Yr Pool Ma45874.00 %7/20/2047363 340 
Diamondback Energy Inc3.13 %3/24/203171 64 
Fhlmc 841703 Hybrid 10/1 Rfucct1Y+163.402.64 %12/1/2050315 289 
Fhlmc 30Yr Pool Qf47045.50 %11/1/20521,636 1,634 
Natwest Group Plc5.85 %3/2/2027623 641 
Charles Schwab Corp2.30 %5/13/2031587 501 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

53
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Energy Transfer Partners Lp4.95 %6/15/2028427 427 
Bank5 2023-5Yr3 A26.26 %9/15/2056480 499 
Midamerican Energy Co3.65 %4/15/2029160 154 
Pacific Gas & Electric3.00 %6/15/2028213 200 
Waste Connections Inc5.00 %3/1/2034391 388 
Deere & Company3.10 %4/15/2030142 132 
Gilead Sciences Inc1.65 %10/1/2030231 194 
Bank 2021-Bn36 A52.47 %9/15/2064569 482 
Ford Motor Company 10Y Green Bond6.10 %8/19/2032142 145 
Fhlmc 20Yr Pool Rb51222.50 %8/1/2041758 653 
Kenvue Inc5.05 %3/22/2028338 347 
Eli Lilly & Co4.20 %8/14/202971 71 
Us Bancorp5.78 %6/12/202918 18 
American Express Co4.05 %5/3/202918 17 
Morgan Stanley3.63 %1/20/20271,014 1,011 
Western Gas Partners Lp4.75 %8/15/2028160 160 
Banco Santander Sa1.85 %3/25/2026356 344 
Texas Instruments Inc1.75 %5/4/2030302 259 
Gnma Ii 30Yr Pool 7872286.00 %1/20/20541,751 1,801 
Gnma Ii 30Yr Pool Ma72552.50 %3/20/20511,248 1,046 
Ubscm 2017-C1 A33.20 %6/15/2050543 526 
T-Mobile Usa Inc5.15 %4/15/203453 53 
Fhlmc Gold 30Yr Gold Pool G086933.50 %3/1/204620 19 
Mbart 2024-1 A34.80 %4/16/2029694 698 
Bpr Trust 2022 Oana A6.30 %4/15/2037872 878 
Oneok Inc5.80 %11/1/203089 92 
Unitedhealth Group Inc4.00 %5/15/2029445 432 
Vale Overseas Limited6.13 %6/12/2033818 828 
Cvs Health Corp3.75 %4/1/203053 49 
Enterprise Products Operating Llc2.80 %1/31/2030623 570 
Aon North America Inc5.15 %3/1/2029302 309 
Ubs Group Ag3.87 %1/12/2029978 960 
Fhlmc 20Yr Pool Sc00932.00 %10/1/2040457 386 
Oneok Inc5.55 %11/1/2026160 164 
Slma 2005-9 A7A6.05 %1/25/20411,144 1,157 
Continental Resources4.38 %1/15/2028267 265 
Procter & Gamble Co/The3.00 %3/25/2030623 579 
Williams Companies Inc2.60 %3/15/203136 31 
Hsbc Holdings Plc4.58 %6/19/2029996 978 
Abbvie Inc4.80 %3/15/202718 18 
Kreditanstalt Fuer Wiederaufbau0.38 %7/18/2025729 715 
Dell Int Llc / Emc Corp6.02 %6/15/202664 65 
Us Treasury Note4.13 %3/31/20298,433 8,439 
Fnma 20Yr Pool Ma44731.50 %11/1/2041141 114 
Bank 2024 Bnk48 A55.05 %10/15/2057587 580 
Nvidia Corp2.85 %4/1/2030231 213 
Reynolds American Inc4.45 %6/12/202589 89 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

54
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
At&T Inc4.10 %2/15/2028445 442 
Cvs Health Corp1.88 %2/28/203118 14 
Trade Date Cash— %(19)(19)
Gnma Ii 30Yr Pool Ma69302.00 %10/20/2050646 518 
Alphabet Inc.1.10 %8/15/2030231 193 
Fhlmc 30Yr Pool Sd36635.50 %8/1/20531,571 1,565 
Fhlmc 20Yr Pool Sc01602.00 %7/1/2041384 323 
Northrop Grumman Corp2.93 %1/15/2025534 541 
Enterprise Products Oper6.65 %10/15/203471 78 
Bristol-Myers Squibb Co3.20 %6/15/2026302 297 
Fnma 30Yr Pool Ad09635.50 %9/1/203824 24 
Rtx Corp6.00 %3/15/203136 38 
Fhlmc 30Yr Pool Qf01524.50 %9/1/20522,228 2,107 
Us Treasury Bill— %1/23/2025836 834 
Fhlmc 30Yr Pool Sd24106.00 %2/1/20531,038 1,055 
Humana Inc5.75 %12/1/2028356 364 
Bristol-Myers Squibb Co5.10 %2/22/203136 36 
Oneok Inc5.65 %11/1/2028285 293 
Bank Of America Corp2.59 %4/29/20312,188 1,932 
Fnma 20Yr Pool Fs71802.00 %5/1/2042164 136 
Fnma 20Yr Pool Ma46433.00 %5/1/20421,430 1,264 
Morgan Stanley5.47 %1/18/203518 18 
Comcast Corp3.40 %4/1/2030320 299 
Comcast Corp3.15 %3/1/2026605 602 
Fnma 30Yr Pool Bv85343.00 %5/1/20524,905 4,204 
Carmax Auto Owner Trust 2022 4 A35.34 %8/16/2027676 681 
*Collective U.S. Gov't STIF 15— %3,954 3,965 
Boeing Co2.20 %2/4/2026480 470 
Bp Capital Markets America Inc.3.63 %4/6/203018 17 
Enterprise Products Operating Llc3.13 %7/31/202918 17 
The Home Depot Inc3.90 %12/6/2028409 400 
Diamondback Energy Inc3.25 %12/1/2026249 243 
Anheuser-Busch Inbev Worldwide Inc4.75 %1/23/2029391 399 
Fnma Balloon Pool Bs98855.61 %11/1/2033529 553 
Constellation Brands Inc2.25 %8/1/203136 30 
Energy Transfer Operating3.75 %5/15/2030213 200 
Columbia Pipeline Holdco -- 144A6.04 %8/15/2028943 987 
Mplx Lp4.80 %2/15/2029142 144 
Fnma Balloon Pool Bs93354.82 %8/1/2033356 353 
Warnermedia Holdings Inc3.76 %3/15/2027409 399 
Altria Group Inc6.20 %11/1/2028818 859 
Us Treasury Note4.25 %2/28/2029640 647 
Williams Companies Inc3.75 %6/15/2027356 347 
Gnma Ii 30Yr Pool Ma87255.00 %3/20/20531,402 1,370 
State Of Israel5.50 %3/12/2034356 354 
Columbia Pipelines Opco -- 144A6.04 %11/15/2033142 147 
Abbvie Inc3.60 %5/14/2025302 303 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

55
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Lam Research Corp1.90 %6/15/2030391 335 
Bnp Paribas -- 144A No Rr5.89 %12/5/2034712 731 
Amxca 2024-1 A5.23 %4/15/2029890 905 
Paypal Holdings Inc2.30 %6/1/2030142 125 
Fnma 20Yr Pool Ma45862.00 %4/1/2042146 122 
Philip Morris Intl Inc5.13 %2/13/203118 18 
Lockheed Martin Corp3.90 %6/15/2032249 232 
Republic Of Indonesia4.85 %1/11/2033587 581 
Fnma 20Yr Pool Ma43332.00 %5/1/20411,677 1,404 
Abbvie Inc4.80 %3/15/2029267 270 
Unitedhealth Group Incorporated2.30 %5/15/2031231 197 
Oracle Corp1.65 %3/25/2026320 310 
Gnma Ii 30Yr Pool Ma88795.50 %5/20/2053456 456 
Paypal Holdings Inc1.65 %6/1/2025302 299 
Bristol-Myers Squibb Co5.20 %2/22/2034213 217 
Morgan Stanley5.32 %7/19/2035178 179 
Mcdonald's Corp3.60 %7/1/2030231 221 
Fnma 30Yr Pool Ca55042.50 %4/1/20506,574 5,459 
Tesla Auto Lease Trust 2023 A A35.89 %6/22/2026829 834 
Transcont Gas Pipe Line3.25 %5/15/2030498 456 
Meta Platforms Inc4.75 %8/15/203453 53 
Fnma Balloon Pool Bs93394.82 %8/1/20331,245 1,240 
Pacific Gas & Electric5.55 %5/15/2029302 309 
Eli Lilly & Co4.50 %2/9/2029302 306 
Us Treasury Note4.13 %11/30/2029409 406 
Eli Lilly & Co4.70 %2/9/2034427 422 
Virginia Electric And Power Co3.15 %1/15/202653 53 
Us Treasury Note4.25 %10/15/202515,762 15,910 
Cigna Group/The4.38 %10/15/2028302 299 
Aercap Ireland Cap/Globa3.00 %10/29/2028267 248 
Bat Capital Corp6.00 %2/20/203471 75 
Solventum Corp -- 144A W/Rr5.45 %3/13/2031142 145 
Fnma 30Yr Pool Bx88335.00 %3/1/20532,048 1,992 
Us Inflation-Linked Treasury Note1.88 %7/15/20341,904 1,874 
Navistar Financial Dealer Note Master Trust 2024 1 A5.59 %4/25/2029587 594 
T-Mobile Usa Inc3.88 %4/15/2030213 203 
Bp Cap Markets America3.12 %5/4/2026463 457 
Alpek Sa De Cv3.25 %2/25/20311,014 873 
Us Treasury Bill— %3/20/2025552 547 
Mastercard Inc3.35 %3/26/2030160 151 
Berkshire Hathaway Energ3.70 %7/15/203036 34 
Fnma 30Yr Pool Cb82266.50 %3/1/2054152 157 
Fhlmc 20Yr Pool Rb51052.00 %3/1/2041123 103 
Verizon Communications Inc.2.55 %3/21/2031527 457 
Fnma 20Yr Pool Ma43872.00 %7/1/2041130 108 
Fhlmc 20Yr Pool Rb50712.00 %9/1/2040395 333 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

56
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Gnma Ii 30Yr Pool Ma69942.00 %11/20/20501,983 1,593 
Oracle Corp4.65 %5/6/2030107 106 
Fnma 30Yr Pool Fm32413.00 %3/1/20501,233 1,069 
Fnma 20Yr Pool Ma40722.50 %7/1/2040501 437 
Fhlmc 20Yr Pool Sc02062.00 %11/1/2041263 220 
Costco Wholesale Corp1.38 %6/20/2027320 298 
Fnma 20Yr Pool Fs71702.00 %8/1/2042331 277 
Lloyds Banking Group Plc3.57 %11/7/2028445 429 
Us Treasury Bond3.00 %8/15/2048160 119 
Ing Groep Nv4.05 %4/9/2029534 517 
Louisiana St Local Govt Envrnm4.28 %2/1/2036801 772 
Avis Budget Rental Car Funding Aesop Llc 2023 8A A6.02 %2/20/2030605 628 
Fhlmc 30Yr Pool Sd29912.50 %9/1/2051154 128 
Philip Morris International Inc2.10 %5/1/2030534 463 
Fnma 30Yr Pool Ma42361.50 %1/1/2051412 305 
Gnma Ii 30Yr Pool 7868433.00 %3/20/2052155 133 
Truist Financial Corp6.05 %6/8/2027142 145 
T-Mobile Usa Inc3.75 %4/15/2027178 175 
Honeywell International4.95 %9/1/2031587 596 
Gnma Ii 30Yr Pool Ma87234.00 %3/20/2053631 584 
Amazon.Com Inc2.10 %5/12/2031231 198 
Salesforce.Com Inc3.70 %4/11/202818 17 
Fnma 30Yr Pool Fm86483.00 %9/1/2051126 109 
Fnma 20Yr Pool Ma42021.50 %12/1/20401,561 1,256 
Fnma 20Yr Pool Ma45872.50 %4/1/204285 73 
Solventum Corp -- 144A W/Rr5.60 %3/23/2034249 251 
Us Treasury Note4.63 %11/15/202653 54 
Pfizer Inc2.63 %4/1/203071 64 
Abbvie Inc3.20 %11/21/2029445 414 
Bank 2018 Bn10 A53.69 %2/15/2061605 584 
Fhlmc 20Yr Pool Sc04592.00 %8/1/2042325 273 
Pioneer Natural Resource1.90 %8/15/2030107 92 
Walmart Inc2.38 %9/24/202989 82 
Us Treasury Note4.63 %9/30/2030374 381 
Pioneer Natural Resources Company2.15 %1/15/2031320 275 
Coterra Energy Inc4.38 %3/15/2029249 244 
America Movil Sab De Cv - 10Yr2.88 %5/7/2030801 717 
Humana Inc3.70 %3/23/2029196 187 
Diamondback Energy Inc3.50 %12/1/2029285 266 
Wells Fargo & Company3.00 %4/22/20261,299 1,278 
Fhlmc 30Yr Pool Sd41696.50 %10/1/2053791 817 
Unitedhealth Group Incorporated1.15 %5/15/2026961 920 
Us Treasury Note4.25 %12/31/2025196 196 
Us Treasury Note4.13 %7/31/2031676 674 
Jp Morgan Chase Commercial Mortgage Sec Trust 2016 Nine A2.85 %9/6/2038640 616 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

57
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Aercap Ireland Cap/Globa1.75 %1/30/2026712 694 
Us Inflation-Linked Treasury Note1.13 %1/15/2033605 593 
J.P. Morgan Chase & Co.4.01 %4/23/20292,135 2,085 
Bristol-Myers Squibb Co4.95 %2/20/202618 18 
Bank 2019 Bn22 A42.98 %11/15/2062658 595 
Gnma Ii 30Yr Pool Ma87265.50 %3/20/2053435 435 
General Dynamics Corp3.63 %4/1/203018 17 
Verizon Communications Inc.3.15 %3/22/2030302 279 
Intel Corp3.75 %3/25/2027267 263 
Charter Comm Opt Llc/Cap3.75 %2/15/2028178 172 
Pfizer Inc1.70 %5/28/2030338 288 
Us Treasury Note4.50 %5/31/2029107 108 
Goldman Sachs Group Inc2.62 %4/22/2032658 564 
Fnma 20Yr Pool Ma45402.00 %2/1/2042141 117 
Western Midstream Operat6.35 %1/15/2029836 891 
Republic Services Inc3.20 %3/15/2025107 107 
Cvs Health Corp4.30 %3/25/2028302 297 
Us Treasury Note3.88 %8/15/203418 17 
Pnc Financial Services5.81 %6/12/2026267 269 
Air Lease Corp1.88 %8/15/20261,494 1,435 
Royal Bank Of Canada1.15 %6/10/2025783 771 
Coterra Energy Inc3.90 %5/15/2027605 594 
Bacct 2023-A2 A24.98 %11/15/2028890 900 
Southern Copper Corporation3.88 %4/23/2025267 267 
Fhlmc 20Yr Pool Rb51212.00 %8/1/2041267 223 
Fhlmc 20Yr Pool Sc02092.50 %11/1/20412,680 2,313 
Ebay Inc1.40 %5/10/2026427 410 
Gnma Ii 30Yr Pool Ma82684.50 %9/20/20521,669 1,590 
Constellation Brands Inc4.35 %5/9/2027142 142 
T-Mobile Usa Inc2.55 %2/15/2031694 603 
Fox Corp6.50 %10/13/203371 76 
Fnma Balloon Pool Am86742.81 %4/1/2025160 159 
Fhlmc 30Yr Pool Qd12592.00 %11/1/20514,291 3,387 
Kenvue Inc5.35 %3/22/2026285 292 
Us Treasury Note4.88 %10/31/2028463 475 
Bank Of Montreal1.85 %5/1/2025249 247 
Amazon.Com Inc3.15 %8/22/20271,014 992 
Morgan Stanley3.59 %7/22/2028587 576 
Gnma 2021 2 Ah1.50 %6/16/2063293 213 
Toronto-Dominion Bank1.15 %6/12/2025623 613 
Visa Inc3.15 %12/14/2025125 123 
Freddie Mac0.65 %10/27/2025712 692 
Us Treasury Note3.50 %9/30/202636 35 
Us Treasury Note5.00 %8/31/2025160 164 
Republic Of Indonesia3.85 %7/18/2027534 529 
Las Vegas Sands Corp6.00 %8/15/202971 75 
Gnma Ii 30Yr Pool Ma47204.00 %9/20/2047795 744 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

58
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Fhlmc 20Yr Pool Sc01882.00 %9/1/2041130 109 
Us Treasury Note0.38 %1/31/202619,659 18,892 
Mondelez International Inc1.50 %5/4/2025409 405 
Fhlmc Gold 30Yr Gold Pool G086873.50 %1/1/2046908 824 
Bank Of Nova Scotia1.30 %6/11/2025125 123 
Apple Inc2.45 %8/4/2026978 959 
Foundry Jv Holdco Llc -- 144A5.90 %1/25/2030712 748 
Credit Suisse Group Ag -144A6.44 %8/11/2028890 941 
Fnma Balloon Pool Am33473.31 %5/1/2033137 125 
Goldman Sachs Group Inc3.85 %1/26/20273,309 3,301 
Devon Energy Corporation5.20 %9/15/2034196 189 
Gnma Ii 30Yr Pool 7872366.50 %1/20/2054298 309 
Charter Communications Operating Llc5.05 %3/30/2029445 442 
Shell Finance Us Inc2.75 %4/6/2030196 178 
Hyundai Capital America5.95 %9/21/2026196 202 
Cigna Group/The3.25 %4/15/2025605 606 
Altria Group Inc4.40 %2/14/202689 90 
United Mexican States3.50 %2/12/20341,067 867 
Ubs Group Ag1.36 %1/30/2027890 860 
Exxon Mobil Corp3.04 %3/1/2026747 743 
Cooperatieve Rabobank Ua4.38 %8/4/2025445 449 
Total American General Life Contract No. 725840$215,262 
American United Life Insurance Company: S00020
AMXCA 2022-4 A5.18 %10/15/2025834 839 
AEPWV 2013-1 A23.77 %8/1/20282,224 1,622 
BBCMS 2022-C18 A25.50 %11/15/20271,663 1,691 
BMWOT 2022-A A33.21 %8/25/2025304 99 
BANK5 2024-5YR7 A35.77 %6/15/20291,779 1,828 
BANK 2023-BNK45 A25.66 %2/15/2028741 757 
BMARK 2024-V9 A35.60 %8/15/20571,338 1,366 
CD 2016-CD2 A33.25 %10/13/20261,512 1,401 
DBJPM 2017-C6 A43.07 %5/10/20271,779 1,703 
DTRT 2023-1 A35.90 %3/15/20271,783 1,805 
DCENT 2022-A3 A33.56 %7/15/20252,197 2,189 
FNR 2014-81 VE3.00 %4/25/20252,846 591 
FNR 2017-104 PA3.00 %9/25/202811,030 1,263 
FNR 2022-29 NQ4.00 %4/27/20262,669 1,063 
FNR 2022-50 A4.50 %6/25/20262,758 792 
FNR 2022-54 DA4.50 %9/25/20301,868 1,048 
FHR 3919 AY4.00 %9/15/20312,162 762 
FHR 4571 CA2.50 %11/17/20257,294 766 
FHR 5057 AB2.50 %7/25/20284,768 2,318 
FHR 4888 CB3.00 %5/15/20289,785 1,347 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

59
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
FHR 5009 GD2.50 %5/25/20293,380 944 
FHR 5254 A4.50 %10/25/20302,651 1,417 
FHR 5263 EA4.00 %5/25/20292,197 1,501 
FNR 2011-36 QB4.00 %7/25/20304,892 1,302 
FORDO 2022-B A34.41 %5/15/2025519 190 
GNR 2015-16 GM2.00 %9/22/202511,030 109 
GNR 2020-74 DC1.00 %10/20/20277,116 1,224 
GNR 2021-78 D2.50 %1/20/20313,736 1,801 
GNR 2022-85 KA4.00 %4/20/20262,846 1,333 
GNR 2022-100 KA4.00 %7/20/20262,224 617 
GNR 2022-107 A3.00 %2/20/20262,580 776 
JDOT 2022-B A33.74 %2/17/2026913 556 
JDOT 2023-A A35.01 %11/16/2026726 731 
MBART 2022-1 A35.21 %5/15/20261,349 947 
NAROT 2022-B A34.46 %3/16/20261,615 1,213 
PCG 4.838 06/01/334.84 %6/1/20331,708 1,729 
T 2 5/8 04/15/252.63 %4/15/20251,025 1,026 
T 2 3/4 05/15/252.75 %5/15/2025333 332 
T 2 7/8 06/15/252.88 %6/16/2025997 992 
T 3 07/15/253.00 %7/15/20254,101 4,131 
WOART 2022-B A33.25 %11/17/2025584 322 
WOART 2022-C A33.66 %2/17/20261,147 909 
Total American United Life Insurance Company: S00020$49,352 
Prudential GA 62194
TREASURY NOTE2.88 %5/15/2028160 154 
TREASURY NOTE0.50 %10/31/202714,446 13,013 
TREASURY NOTE0.75 %4/30/20266,992 6,687 
TREASURY NOTE0.75 %5/31/20267,259 6,918 
TREASURY NOTE1.25 %11/30/20264,599 4,353 
TREASURY NOTE1.50 %11/30/20284,243 3,816 
TREASURY NOTE2.75 %5/31/20292,686 2,518 
TREASURY NOTE2.75 %7/31/202710,950 10,671 
TREASURY NOTE2.75 %8/15/203210,069 9,035 
TREASURY NOTE3.13 %8/31/20297,810 7,480 
TREASURY NOTE3.88 %8/15/203313,316 12,872 
TREASURY NOTE4.63 %9/30/20307,632 7,793 
TREASURY NOTE4.25 %12/31/20253,327 3,328 
TREASURY NOTE4.00 %1/15/20279,465 9,592 
TREASURY NOTE4.25 %2/28/20316,582 6,603 
TREASURY NOTE4.38 %7/15/20279,093 9,300 
TREASURY NOTE4.25 %11/15/20342,083 2,041 
TREASURY NOTE4.13 %11/15/20272,491 2,493 
TREASURY NOTE4.50 %12/31/20311,250 1,251 
TREASURY NOTE4.38 %12/31/20292,491 2,489 
FHLB1.25 %7/23/2030463 385 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

60
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
FHLB1.75 %6/20/2031125 103 
FFCB1.48 %11/26/2032125 96 
FFCB1.57 %9/23/2030552 465 
FFCB1.77 %2/4/2031160 136 
FHLMC1.22 %8/19/2030240 198 
FNMA6.63 %11/15/2030463 517 
FNMA0.88 %8/5/203036 29 
FNMA— %3/17/2031142 106 
PEFCO1.40 %7/15/20281,797 1,623 
TVA— %7/15/203427 16 
FGOLD 30YR GIANT5.50 %1/1/203528 29 
FGOLD 30YR GIANT4.50 %6/1/203938 37 
FGOLD 30YR GIANT4.00 %11/1/2039122 116 
FGOLD 30YR GIANT4.50 %12/1/203971 69 
FGOLD 30YR GIANT5.50 %1/1/204038 39 
FGOLD 30YR GIANT4.00 %12/1/204094 89 
FGOLD 30YR GIANT4.00 %12/1/2040109 104 
FGOLD 30YR GIANT4.00 %2/1/2041202 192 
FGOLD 30YR GIANT4.50 %4/1/2041265 259 
FGOLD 30YR GIANT3.00 %6/1/2042131 116 
FGOLD 30YR GIANT3.50 %9/1/2042221 203 
FGOLD 15YR GIANT3.00 %1/1/2032208 199 
FGOLD 15YR GIANT2.00 %1/1/2032128 119 
FGOLD 30YR GIANT4.00 %8/1/2047127 118 
FGOLD 30YR GIANT4.50 %8/1/2047135 129 
FGOLD 30YR GIANT5.50 %6/1/2038180 184 
FGOLD 30YR GIANT4.50 %10/1/2039153 149 
FGOLD 30YR GIANT4.50 %11/1/203930 29 
FGOLD 30YR GIANT3.50 %5/1/2045357 324 
FGOLD 30YR GIANT4.00 %11/1/2045222 208 
FGOLD 30YR GIANT3.50 %12/1/2045549 499 
FGOLD 30YR GIANT4.00 %12/1/2046179 167 
FGOLD 30YR GIANT3.00 %1/1/2047337 295 
FGOLD 30YR GIANT3.00 %2/1/2047746 652 
FGOLD 15YR GIANT2.50 %12/1/203191 86 
FGOLD 20YR3.00 %1/1/2037118 109 
FGOLD 20YR3.50 %11/1/203795 89 
FGOLD 20YR3.00 %12/1/203784 77 
FGOLD 15YR4.00 %6/1/202610 10 
FGOLD 15YR4.00 %7/1/202613 13 
FGOLD 30YR3.00 %12/1/2042293 260 
FGOLD 30YR3.00 %10/1/2042173 154 
FGOLD 30YR3.00 %1/1/2043495 441 
FGOLD 30YR4.00 %11/1/204084 79 
FGOLD 30YR4.00 %12/1/2040246 233 
FGOLD 15YR2.50 %8/1/202850 49 
FGOLD 15YR3.00 %8/1/202986 83 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

61
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
FGOLD 15YR2.50 %4/1/2031102 97 
FGOLD 15YR2.50 %7/1/203191 86 
FHLMC 30YR UMBS MIRROR2.50 %10/1/204687 73 
FHLMC 30YR UMBS MIRROR4.00 %7/1/204824 22 
FHLMC 30YR UMBS MIRROR4.50 %12/1/2048166 159 
FHLMC 15YR UMBS SUPER1.50 %9/1/2036853 736 
FHLMC 15YR UMBS SUPER1.50 %1/1/2037167 144 
FHLMC 15YR UMBS SUPER2.50 %10/1/2035552 509 
FHLMC 30YR UMBS SUPER2.00 %2/1/20511,537 1,207 
FHLMC 30YR UMBS SUPER1.50 %11/1/2050622 461 
FHLMC 30YR UMBS SUPER2.00 %12/1/20502,511 1,973 
FHLMC 30YR UMBS SUPER2.00 %3/1/2051694 544 
FHLMC 30YR UMBS SUPER2.50 %4/1/20512,579 2,121 
FHLMC 30YR UMBS SUPER5.50 %11/1/2052824 820 
FHLMC 30YR UMBS SUPER5.50 %11/1/20531,558 1,551 
FGOLD 30YR5.00 %8/1/2041223 222 
FGOLD 30YR5.00 %7/1/204124 24 
FHLMC GOLD 30YR2.50 %1/1/2043214 184 
FHLMC GOLD 30YR3.00 %2/1/2043389 347 
FHLMC GOLD 30YR3.50 %9/1/2043300 274 
FHLMC GOLD 15YR CASH ISSUANCE3.00 %6/1/2029142 139 
FHLMC GOLD 15YR CASH ISSUANCE3.00 %6/1/2029200 195 
FHLMC GOLD 30YR3.50 %12/1/2046134 121 
FHLMC GOLD 30YR4.50 %7/1/204774 71 
FHLMC GOLD 30YR4.00 %1/1/2048187 174 
FHLMC 30YR UMBS2.50 %10/1/20512,965 2,455 
FHLMC 20YR UMBS2.00 %6/1/2040553 466 
FHLMC 20YR UMBS4.50 %10/1/2042443 425 
FNMA 30YR5.50 %5/1/203742 43 
FNMA 30YR5.50 %6/1/203352 53 
FNMA 30YR5.50 %10/1/203365 66 
FNMA 30YR4.00 %12/1/2040160 152 
FNMA 30YR4.00 %1/1/2041184 175 
FNMA 30YR4.50 %2/1/2041419 408 
FNMA 30YR4.00 %2/1/204190 85 
FNMA 30YR4.00 %1/1/2042233 221 
FNMA 30YR3.00 %10/1/204336 32 
FNMA 30YR5.00 %12/1/2034126 126 
FNMA 15YR3.00 %5/1/202768 67 
FNMA 30YR4.50 %5/1/203948 47 
FNMA 30YR3.50 %8/1/2042338 309 
FNMA 30YR3.50 %5/1/2042606 555 
FNMA 30YR3.00 %12/1/2042198 176 
FNMA 30YR3.00 %1/1/2043396 352 
FNMA 30YR3.00 %2/1/2043533 473 
FNMA 30YR3.00 %7/1/2043221 196 
FNMA 30YR3.50 %3/1/2043330 302 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

62
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
FNMA 30YR3.00 %10/1/2043115 102 
FNMA 15YR3.00 %8/1/202893 91 
FNMA 30YR4.00 %9/1/2044141 132 
FNMA 30YR4.00 %7/1/2045122 114 
FNMA 30YR3.50 %5/1/2045380 345 
FNMA 30YR3.50 %6/1/2045477 433 
FNMA 15YR3.00 %12/1/203086 83 
FNMA 30YR4.00 %12/1/2045195 183 
FNMA 30YR3.50 %4/1/2046196 177 
FNMA 30YR4.00 %7/1/204642 39 
FNMA 15YR2.00 %8/1/2031145 135 
FNMA 30YR2.50 %9/1/2046266 224 
FNMA 20YR3.00 %11/1/2036293 270 
FNMA 30YR3.00 %11/1/2046295 258 
FNMA 30YR3.00 %12/1/204686 75 
FNMA 30YR3.50 %12/1/2046373 337 
FNMA 30YR3.00 %1/1/2047932 813 
FNMA 30YR4.00 %2/1/2047346 323 
FNMA 15YR2.50 %7/1/202849 48 
FNMA 30YR3.00 %9/1/204381 72 
FNMA 15YR2.50 %8/1/202866 64 
FNMA 15YR2.50 %8/1/20287 7 
FNMA 15YR3.00 %11/1/202849 48 
FNMA 30YR4.00 %10/1/204366 62 
FNMA 15YR2.50 %2/1/202942 41 
FNMA 15YR2.50 %7/1/203055 53 
FNMA 30YR5.50 %4/1/203458 59 
FNMA 30YR5.00 %4/1/2034269 271 
FNMA 30YR5.50 %9/1/203457 58 
FNMA 30YR5.00 %7/1/203581 81 
FNMA 30YR5.50 %2/1/203595 97 
FNMA 30YR3.00 %10/1/2046453 395 
FNMA 30YR3.50 %9/1/2047263 238 
FNMA 15YR3.50 %12/1/203044 43 
FNMA 30YR4.00 %1/1/2048148 138 
FNMA 30YR4.50 %11/1/204894 90 
FNMA 30YR UMBS2.50 %8/1/20502,158 1,778 
FNMA 30YR UMBS2.00 %12/1/2050499 396 
FNMA 30YR UMBS SUPER2.50 %4/1/20511,077 896 
FNMA 30YR UMBS SUPER3.00 %7/1/2050571 495 
FNMA 30YR UMBS SUPER3.00 %3/1/20521,355 1,171 
FNMA 30YR UMBS SUPER2.50 %5/1/2052723 598 
FNMA 30YR6.50 %12/1/203739 41 
FNMA 30YR6.00 %5/1/2038174 182 
FNMA 30YR4.00 %9/1/204089 84 
FNMA 30YR5.50 %3/1/203869 71 
FNMA 30YR4.00 %3/1/203930 28 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

63
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
FNMA 30YR4.50 %2/1/2041395 385 
FNMA 30YR4.50 %3/1/2041125 122 
FNMA 30YR3.50 %5/1/2042345 316 
FNMA 30YR3.50 %9/1/2042133 122 
FNMA 30YR3.50 %6/1/20421,221 1,118 
FNMA 30YR3.00 %10/1/2042192 171 
FNMA 30YR3.50 %11/1/2042455 417 
FNMA 30YR3.00 %12/1/2042368 327 
FNMA 30YR3.00 %1/1/204397 87 
FNMA 30YR3.00 %1/1/2043279 248 
FNMA 30YR3.00 %1/1/2043319 283 
FNMA 30YR3.00 %3/1/2043472 419 
FNMA 30YR4.50 %9/1/203947 46 
FNMA 20YR4.50 %6/1/203172 72 
FNMA 30YR3.50 %1/1/2046152 138 
FNMA 30YR4.50 %12/1/204860 58 
FNMA 30YR3.00 %11/1/2046277 241 
FNMA 30YR3.00 %1/1/2047352 307 
FNMA 30YR4.00 %10/1/2047571 532 
FNMA 30YR3.50 %11/1/2047465 419 
FNMA 30YR4.50 %3/1/204885 82 
FNMA 30YR4.00 %2/1/2048127 118 
FNMA 30YR4.00 %4/1/2048260 242 
FNMA 15YR3.50 %3/1/203364 62 
FNMA 15YR3.50 %5/1/2033150 145 
FNMA 15YR UMBS2.00 %7/1/2036354 315 
FNMA 20YR UMBS2.00 %8/1/2040634 534 
FNMA 30YR UMBS1.50 %9/1/20501,380 1,024 
FNMA 30YR UMBS2.00 %9/1/20501,319 1,037 
FNMA 30YR UMBS2.50 %9/1/20501,902 1,568 
FNMA 15YR UMBS2.50 %9/1/2035402 368 
FNMA 30YR UMBS1.50 %10/1/2050118 88 
FNMA 30YR UMBS2.00 %10/1/20501,217 957 
FNMA 30YR UMBS2.50 %10/1/20503,158 2,602 
FNMA 30YR UMBS2.00 %11/1/20503,231 2,540 
FNMA 20YR UMBS2.00 %1/1/20411,829 1,537 
FNMA 30YR UMBS2.00 %1/1/2051633 495 
FNMA 30YR UMBS1.50 %12/1/20502,962 2,196 
FNMA 30YR UMBS2.00 %2/1/20512,757 2,164 
FNMA 30YR UMBS2.00 %3/1/20511,386 1,088 
FNMA 15YR UMBS2.00 %5/1/20361,115 991 
FNMA 20YR UMBS2.00 %5/1/20411,878 1,572 
FNMA 20YR UMBS2.50 %5/1/20411,275 1,100 
FNMA 15YR UMBS2.50 %6/1/2036668 610 
FNMA 30YR UMBS4.00 %6/1/2052842 773 
FNMA 30YR UMBS5.00 %7/1/2052735 716 
FNMA 15YR UMBS4.00 %7/1/2037490 473 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

64
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
FNMA 30YR UMBS5.50 %11/1/20521,124 1,118 
FNMA 30YR UMBS6.00 %10/1/20531,572 1,589 
FNMA 30YR4.00 %7/1/204045 43 
FNMA 30YR3.50 %6/1/203991 84 
FNMA 30YR4.00 %10/1/204037 35 
GNMA 30YR3.50 %1/15/2042191 176 
GNMA 30YR3.00 %11/15/2042293 260 
GNMA2 30YR4.00 %4/20/204258 55 
GNMA2 30YR3.00 %8/20/2042111 99 
GNMA2 30YR3.50 %8/20/2042331 304 
GNMA2 30YR3.00 %9/20/2042230 206 
GNMA2 30YR3.50 %9/20/2042268 246 
GNMA2 30YR3.50 %10/20/2042268 246 
GNMA2 30YR3.00 %12/20/2042118 105 
GNMA2 30YR3.00 %1/20/2043164 146 
GNMA2 30YR3.50 %5/20/2043343 314 
GNMA2 30YR4.50 %6/20/2044177 172 
GNMA2 30YR3.50 %10/20/2044274 250 
GNMA2 30YR4.00 %10/20/2044206 194 
GNMA2 30YR3.00 %12/20/204465 57 
GNMA2 30YR3.50 %4/20/2046183 166 
GNMA2 30YR3.50 %4/20/2045315 287 
GNMA2 30YR3.50 %6/20/2045127 115 
GNMA2 30YR3.00 %8/20/2045163 144 
GNMA2 30YR3.00 %9/20/2045155 137 
GNMA2 30YR4.00 %12/20/2045339 320 
GNMA2 30YR3.00 %5/20/2046213 188 
GNMA2 30YR4.00 %5/20/2046165 155 
GNMA2 30YR3.00 %7/20/2046488 429 
GNMA2 30YR3.50 %7/20/2046140 127 
GNMA2 30YR3.50 %8/20/2046161 146 
GNMA2 30YR3.50 %9/20/2046166 150 
GNMA2 30YR3.00 %10/20/2046413 364 
GNMA2 30YR4.00 %10/20/204664 60 
GNMA2 30YR3.50 %11/20/204653 48 
GNMA2 30YR4.00 %11/20/204678 73 
GNMA2 30YR2.50 %12/20/2046109 92 
GNMA2 30YR3.50 %12/20/2046577 523 
GNMA2 30YR4.00 %3/20/2047158 148 
GNMA2 30YR3.50 %8/20/204893 84 
GNMA2 30YR3.50 %7/20/2047209 189 
GNMA2 30YR4.00 %8/20/2047203 190 
GNMA2 30YR3.50 %8/20/2047145 131 
GNMA2 30YR4.00 %9/20/2047236 221 
GNMA2 30YR3.50 %11/20/2047390 353 
GNMA2 30YR4.00 %12/20/204799 93 
GNMA2 30YR3.00 %1/20/2048189 166 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

65
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
GNMA2 30YR4.00 %1/20/2048144 135 
GNMA2 30YR4.50 %1/20/204893 90 
GNMA2 30YR4.50 %2/20/204887 84 
GNMA2 30YR3.00 %10/20/204967 59 
GNMA2 30YR3.50 %12/20/2048213 193 
GNMA2 30YR4.00 %4/20/2049983 918 
GNMA2 30YR3.00 %7/20/2049214 188 
GNMA2 30YR3.00 %9/20/2049239 209 
GNMA 30YR3.00 %12/20/2049292 255 
GNMA2 30YR3.50 %12/20/2049150 135 
GNMA2 30YR2.00 %12/20/20501,107 889 
GNMA2 30YR2.00 %3/20/2051583 468 
GNMA2 30YR2.50 %3/20/20513,231 2,709 
GNMA2 30YR2.50 %5/20/20511,664 1,394 
GNMA2 30YR3.00 %6/20/2051455 397 
GNMA2 30YR2.00 %7/20/2051670 537 
GNMA2 30YR3.00 %7/20/20511,550 1,349 
GNMA2 30YR2.50 %8/20/2051746 625 
GNMA2 30YR2.00 %9/20/2051417 334 
GNMA2 30YR3.50 %1/20/2052854 768 
GNMA2 30YR4.50 %7/20/2052955 910 
GNMA2 30YR4.50 %8/20/2052770 733 
GNMA 30YR3.50 %5/15/2043102 93 
GNMA 30YR3.00 %3/15/204380 70 
GNMA2 15YR3.00 %3/20/202717 17 
GNMA2 30YR5.00 %8/20/203936 36 
GNMA2 30YR4.50 %5/20/2040139 136 
GNMA2 30YR4.50 %7/20/204088 86 
GNMA2 30YR4.00 %9/20/2040103 98 
GNMA2 30YR4.00 %10/20/2040164 156 
GNMA2 30YR4.50 %10/20/2040102 100 
GNMA2 30YR4.50 %12/20/2040152 149 
GNMA2 30YR4.00 %2/20/204137 35 
GNMA2 30YR4.00 %1/20/204167 64 
GNMA2 30YR4.00 %3/20/2041109 104 
GNMA2 30YR5.00 %4/20/2041128 128 
GNMA2 30YR4.50 %8/20/2041130 127 
GNMA2 30YR4.50 %7/20/204143 42 
GNMA 30YR4.50 %11/15/203959 58 
GNMA 30YR4.50 %4/15/2040133 130 
GNMA 30YR5.00 %5/15/203545 46 
GNMA 30YR PLATINUM5.00 %7/15/203966 67 
GNMA 30YR5.50 %4/15/203823 24 
GNMA 30YR5.50 %6/15/2038122 125 
GNMA2 30YR TBA(REG C)4.50 %2/20/2025(890)(843)
CHAIT_23-A25.08 %9/15/2030890 906 
CHAIT_24-A24.63 %1/15/2031178 178 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

66
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
BBCMS_20-C81.62 %10/15/20531,508 1,384 
BANK_21-BN372.37 %11/15/20641,067 893 
BANK_19-BN222.73 %11/15/2062845 761 
BANK_21-BN311.77 %2/15/20541,779 1,493 
BBCMS_19-C42.66 %8/15/2052949 874 
BMARK_20-B172.04 %3/15/20532,135 1,824 
BMARK_20-B181.67 %7/15/20531,245 1,059 
COMM_16-DC23.50 %2/10/2049860 855 
COMM_16-DC23.77 %2/10/20491,245 1,233 
CSAIL_15-C33.45 %8/15/2048488 487 
CSAIL_16-C53.76 %11/15/2048658 653 
CSAIL_16-C73.21 %11/15/2049859 849 
DBJPM_17-C63.27 %6/10/205029 28 
CGCMT_15-GC333.52 %9/10/2058353 352 
JPMBB_15-C303.55 %7/15/2048891 889 
JPMCC_19-COR43.76 %3/10/20521,423 1,366 
MSBAM_15-C233.45 %7/15/20501,657 1,653 
MSBAM_15-C253.37 %10/15/20481,245 1,238 
UBSCM_19-C172.67 %10/15/2052445 399 
UBSCM_18-C134.07 %10/15/20511,240 1,216 
WFCM_16-C373.79 %12/15/20491,076 1,056 
ELEVANCE HLTH INC3.65 %12/1/2027169 165 
ELEVANCE HLTH INC4.10 %3/1/2028213 211 
ELEVANCE HLTH INC2.25 %5/15/2030347 302 
ELEVANCE HLTH INC5.15 %6/15/202944 45 
ARCH CAP FIN LLC4.01 %12/15/202644 44 
BANCO SANTANDER SA3.80 %2/23/2028712 693 
BANK OF AMER CORP3.97 %3/5/2029240 236 
BANK OF AMER CORP2.50 %2/13/20311,610 1,428 
BANK OF AMER CORP2.69 %4/22/2032178 154 
BANK OF AMER CORP2.97 %2/4/2033302 264 
BARCLAYS PLC2.28 %11/24/2027667 636 
BRIXMOR OPERATING PARTNERSHIP LP4.13 %6/15/2026222 221 
BRIXMOR OPERATING PARTNERSHIP LP3.90 %3/15/2027311 308 
BRIXMOR OPERATING PARTNERSHIP LP2.25 %4/1/2028534 491 
BROADSTONE NET LEASE INC2.60 %9/15/2031178 148 
COMERICA INC5.98 %1/30/2030596 617 
COREBRIDGE FINL INC3.90 %4/5/2032329 302 
CUBESMART LP2.25 %12/15/2028151 136 
DEUTSCHE BK NY6.72 %1/18/2029294 314 
DEUTSCHE BK NY6.82 %11/20/2029534 562 
FAIRFAX FINL HLDGS LTD5.63 %8/16/2032596 615 
GOLDMAN SACHS GRP INC5.85 %4/25/203598 101 
GOLDMAN SACHS GRP INC1.99 %1/27/2032480 401 
GOLDMAN SACHS GRP INC2.62 %4/22/2032276 236 
GOLDMAN SACHS GRP INC1.54 %9/10/2027836 795 
HSBC HLDGS PLC2.01 %9/22/2028809 750 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

67
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
HSBC HLDGS PLC2.80 %5/24/2032578 493 
HEALTHPEAK OP LLC3.00 %1/15/2030213 196 
HOST HOTELS & RESORTS LP5.70 %7/1/2034133 138 
HUNTINGTON BANCSHARES6.21 %8/21/2029623 656 
JPMORGAN CHASE & CO3.51 %1/23/20291,877 1,830 
JPMORGAN CHASE & CO4.45 %12/5/2029267 262 
JPMORGAN CHASE & CO2.74 %10/15/2030605 548 
JPMORGAN CHASE & CO2.58 %4/22/2032703 606 
JPMORGAN CHASE & CO4.95 %10/22/2035302 294 
KIMCO REALTY OP LLC1.90 %3/1/2028418 385 
LINCOLN NATL CORP3.05 %1/15/203080 73 
LLOYDS BKG GRP PLC5.87 %3/6/2029356 369 
MITSUBISHI UFJ FINL GRP1.54 %7/20/2027623 596 
MIZUHO FINL GRP INC5.78 %7/6/2029400 420 
MORGAN STANLEY4.43 %1/23/2030818 813 
MORGAN STANLEY2.70 %1/22/2031578 520 
MORGAN STANLEY1.93 %4/28/20321,085 892 
MORGAN STANLEY2.51 %10/20/203280 67 
MORGAN STANLEY1.59 %5/4/2027169 162 
NOMURA HLDGS INC2.61 %7/14/2031356 304 
PNC FINL SVCS GRP INC6.62 %10/20/2027934 974 
REALTY INCOME CORP3.10 %12/15/2029311 286 
TRUIST FINL CORP5.87 %6/8/2034116 118 
TRUIST FINL CORP5.44 %1/24/2030445 458 
UBS GRP AG4.55 %4/17/2026489 492 
US BANCORP5.84 %6/12/2034178 182 
UNITEDHEALTH GRP INC4.80 %1/15/20301,379 1,400 
UNUM GRP4.00 %6/15/2029560 538 
WELLS FARGO & CO3.00 %10/23/2026235 229 
WELLS FARGO & CO2.88 %10/30/2030489 444 
WELLS FARGO & CO2.57 %2/11/2031667 595 
WELLS FARGO & CO3.35 %3/2/2033240 213 
WELLS FARGO & CO5.56 %7/25/2034569 581 
WELLS FARGO & CO6.30 %10/23/2029240 252 
AT&T INC2.55 %12/1/2033242 195 
ABBVIE INC3.20 %11/21/2029285 265 
AMGEN INC5.25 %3/2/203089 91 
AUTONATION INC3.80 %11/15/2027311 302 
AUTOZONE INC3.75 %4/18/202944 43 
BAT CAP CORP3.56 %8/15/202728 28 
BAT CAP CORP4.70 %4/2/202798 99 
BAT CAP CORP6.00 %2/20/2034302 317 
BAT INTL FIN PLC4.45 %3/16/2028498 496 
BHP BILLITON FIN USA LTD5.25 %9/8/2033463 472 
BERRY GLOBAL INC1.57 %1/15/2026374 363 
BOEING CO5.15 %5/1/2030916 911 
BROADCOM INC4.11 %9/15/2028402 397 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

68
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
BROADCOM INC3.42 %4/15/2033411 363 
CIGNA CORP4.38 %10/15/2028445 440 
CVS HLTH CORP4.30 %3/25/2028231 227 
CVS HLTH CORP1.88 %2/28/2031196 159 
CANADIAN NATURAL RESOURCES LTD3.85 %6/1/2027400 393 
CENOVUS ENERGY INC2.65 %1/15/2032178 150 
COMCAST CORP4.15 %10/15/202880 79 
CONSTELLATION BRANDS INC3.70 %12/6/2026142 140 
CONSTELLATION BRANDS INC2.25 %8/1/2031347 292 
DIAMONDBACK ENERGY INC3.13 %3/24/2031338 302 
DIAMONDBACK ENERGY INC5.40 %4/18/203489 88 
DUPONT DE NEMOURS INC4.73 %11/15/2028712 712 
ENERGY TRANSFER LP6.55 %12/1/2033605 646 
TELEDYNE FLIR LLC2.50 %8/1/2030240 212 
FERGUSON ENTERPRISES INC5.00 %10/3/2034107 103 
FORD MOTOR CR CO LLC4.00 %11/13/2030445 403 
FORD MOTOR CR CO LLC2.70 %8/10/2026400 389 
FORD MOTOR CR CO LLC5.85 %5/17/2027356 362 
FREEPORT MCMORAN INC4.38 %8/1/2028267 264 
GLP CAP LP GLP FIN II INC5.38 %4/15/2026311 315 
GLP CAP LP GLP FIN II INC5.75 %6/1/2028133 135 
GENERAL MOTORS FIN CO INC3.60 %6/21/2030133 122 
GENERAL MOTORS FIN CO INC5.80 %1/7/2029213 224 
GENERAL MOTORS FIN CO INC5.55 %7/15/2029400 415 
GENPACT LUXEMBOURG SARL6.00 %6/4/2029400 410 
GENUINE PARTS CO4.95 %8/15/2029311 316 
HUNTINGTON INGALLS INDS INC5.35 %1/15/203080 81 
IDEX CORP4.95 %9/1/2029267 270 
KINROSS GOLD CORP4.50 %7/15/202744 45 
KINROSS GOLD CORP6.25 %7/15/2033258 275 
MPLX LP4.13 %3/1/2027409 409 
MPLX LP4.25 %12/1/2027445 439 
MPLX LP2.65 %8/15/2030311 276 
WARNERMEDIA HLDGS INC4.05 %3/15/20291,067 1,005 
MARRIOTT INTL INC3.13 %6/15/2026267 261 
MARRIOTT INTL INC5.35 %3/15/2035160 161 
MARTIN MARIETTA MATERIALS INC5.15 %12/1/2034231 229 
MOTOROLA SOLUTIONS INC2.75 %5/24/2031133 116 
NEWMONT CORP2.80 %10/1/2029738 679 
NEWMONT NEWCREST FIN5.35 %3/15/203480 81 
NUCOR CORP3.95 %5/1/2028222 217 
NUTRIEN LTD5.20 %6/21/2027854 864 
ONEOK INC3.10 %3/15/2030614 562 
ONEOK INC6.35 %1/15/2031391 423 
OWENS CORNING INC3.95 %8/15/20299 9 
PENTAIR FIN SA4.50 %7/1/2029178 177 
PHILIP MORRIS INTL INC2.75 %2/25/2026934 923 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

69
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
PLAINS ALL AMERN PIPELINE LP3.55 %12/15/2029142 133 
QUANTA SERVICES INC4.75 %8/9/2027142 145 
ROGERS COMMS INC5.30 %2/15/2034311 310 
SOUTHWEST AIRLINES CO5.13 %6/15/2027213 215 
ENERGY TRANSFER LP3.90 %7/15/2026445 447 
TARGA RESOURCES CORP4.20 %2/1/203380 74 
TARGA RESOURCES CORP6.13 %3/15/2033231 243 
TOLL BROTHERS FIN CORP4.88 %3/15/2027756 766 
TRANSCONTINENTAL GAS PIPE LINE CO3.25 %5/15/2030747 683 
TYSON FOODS INC3.55 %6/2/202771 69 
TYSON FOODS INC4.35 %3/1/2029151 149 
VERIZON COMMS INC4.02 %12/3/202985 82 
VERIZON COMMS INC2.36 %3/15/2032144 120 
VIATRIS INC2.70 %6/22/2030418 363 
WESTERN MIDSTREAM OPERATING LP4.65 %7/1/2026222 226 
WESTINGHOUSE AIR BRAKE3.45 %11/15/2026356 348 
WILLIAMS COS INC3.50 %11/15/2030311 287 
WORKDAY INC3.50 %4/1/202780 79 
WORKDAY INC3.70 %4/1/2029213 205 
YAMANA GOLD INC2.63 %8/15/2031267 227 
AEP TEXAS INC2.10 %7/1/2030338 293 
ALGONQUIN PWR & UTILITY CO5.37 %6/15/2026160 161 
AMEREN ILLINOIS CO3.80 %5/15/2028302 294 
CENTERPOINT ENERGY INC2.95 %3/1/2030267 242 
DUKE ENERGY FL LLC1.75 %6/15/2030178 151 
DUKE ENERGY FLORIDA LLC5.88 %11/15/2033382 401 
EDISON INTL5.25 %11/15/2028374 377 
EDISON INTL5.45 %6/15/2029267 270 
ENTERGY LOUISIANA LLC2.40 %10/1/2026178 172 
FIRSTENERGY CORP3.90 %7/15/2027356 353 
FLORIDA PWR & LT CO5.15 %6/15/2029356 361 
PPL ELEC UTILITIES CORP5.00 %5/15/2033267 265 
PACIFIC GAS & ELEC CO3.25 %6/1/2031338 301 
PACIFICORP2.70 %9/15/2030125 111 
PUBLIC SVC CO NH5.35 %10/1/2033267 273 
SEMPRA3.40 %2/1/202880 78 
SOUTHERN CA EDISON CO2.50 %6/1/2031311 267 
SOUTHERN CA GAS CO2.95 %4/15/2027623 603 
SOUTHERN CA GAS CO5.05 %9/1/2034329 330 
VIRGINIA ELEC & PWR CO5.05 %8/15/203482 81 
XCEL ENERGY INC4.00 %6/15/2028712 690 
CORP ANDINA DE FOMENTO5.00 %1/24/202944 46 
ADVOCATE HLTH CORP2.21 %6/15/2030658 574 
ASCENSION HLTH2.53 %11/15/2029213 193 
COMMONSPIRIT HLTH5.21 %12/1/2031916 916 
JOHNS HOPKINS UNIV4.71 %7/1/2032222 223 
PEACEHEALTH OBLIGATED GRP1.38 %11/15/202544 43 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

70
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
STANFORD UNIV1.29 %6/1/2027712 657 
SUTTER HEALTH3.70 %8/15/2028516 502 
UPMC TAXABLE REV BONDS5.04 %5/15/2033712 704 
UNIVERSITY CA3.06 %7/1/2025578 583 
UNIVERSITY CA3.35 %7/1/2029578 558 
UNIVERSITY CA1.61 %5/15/2030934 798 
SANDS CHINA LTD5.40 %8/8/2028356 359 
INDONESIA REP OF3.50 %1/11/2028356 345 
INDONESIA REP OF4.15 %9/20/2027480 475 
PANAMA REP OF7.13 %1/29/2026534 558 
PERU REP OF2.78 %1/23/203169 60 
POLAND REP OF4.63 %3/18/2029676 677 
MEXICO UNITED MEXICAN STATES5.00 %5/7/2029356 346 
CASH1,220 
Total Prudential GA 62194 $308,147 
Reinsurance Group of America Contract No. RGA00084
US Dollar4.83 %3,102 3,102 
NET RECEIVABLE— %110 110 
Kinder Morgan, Inc. 4.30 06/01/20254.30 %6/1/20253,158 3,162 
Cox Enterprises, Inc. 3.85 02/01/20253.85 %2/1/20252,491 2,528 
CRH PLC 3.875 05/18/20253.88 %5/18/20251,690 1,689 
Burlington Northern Santa Fe LLC 3.442 06/16/20283.44 %6/16/2028572 544 
Wells Fargo & Co. 4.30 07/22/20274.30 %7/22/2027445 447 
HSBC Holdings PLC 4.25 08/18/20254.25 %8/18/2025890 900 
BNP Paribas SA 4.375 09/28/20254.38 %9/28/20251,868 1,876 
Capital One Financial Corp. 4.20 10/29/20254.20 %10/29/2025890 890 
BNP Paribas SA 4.375 05/12/20264.38 %5/12/20261,112 1,106 
Lloyds Banking Group PLC 4.582 12/10/20254.58 %12/10/20251,646 1,642 
Fannie Mae 4.50 08/01/20404.50 %8/1/20401,381 1,329 
Charter Communications, Inc. 4.908 07/23/20254.91 %7/23/2025445 454 
Fannie Mae 3.50 02/01/20373.50 %2/1/20372,994 2,836 
Barclays PLC 4.836 05/09/20284.84 %5/9/20281,468 1,452 
Fannie Mae 7.483 07/01/20477.48 %7/1/2047513 529 
Freddie Mac Gold 4.50 09/01/20444.50 %9/1/20442,923 2,823 
Fannie Mae 7.485 07/01/20477.49 %7/1/2047349 358 
Fannie Mae 4.50 01/01/20434.50 %1/1/20432,976 2,869 
Freddie Mac 7.37 05/01/20477.37 %5/1/204745 47 
Freddie Mac Gold 4.50 07/01/20454.50 %7/1/20452,146 2,091 
Fannie Mae 4.50 06/01/20474.50 %6/1/20472,337 2,249 
Fannie Mae 7.45 06/01/20477.45 %6/1/2047245 253 
Freddie Mac 7.38 07/01/20477.38 %7/1/204723 24 
Bank of America Corp. 3.593 07/21/20283.59 %7/21/2028712 700 
Freddie Mac Gold 4.50 04/01/20474.50 %4/1/20471,396 1,345 
Fannie Mae 7.013 10/01/20477.01 %10/1/2047229 237 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

71
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Fannie Mae 7.11 10/01/20477.11 %10/1/204757 58 
Charter Communications, Inc. 4.20 03/15/20284.20 %3/15/20282,891 2,830 
Freddie Mac Gold 4.50 10/01/20474.50 %10/1/2047360 346 
SLM Student Loan Trust 6.04529 01/25/20416.05 %1/25/2041608 615 
Freddie Mac Gold 4.00 11/01/20454.00 %11/1/2045299 276 
CVS Health Corp. 4.30 03/25/20284.30 %3/25/20281,455 1,427 
SLM Student Loan Trust 5.61529 07/25/20405.62 %7/25/20403,224 3,219 
SLM Student Loan Trust 6.07529 01/25/20406.08 %1/25/20401,335 1,338 
Freddie Mac 3.38 06/01/20483.38 %6/1/2048111 112 
Bank of America Corp. 3.419 12/20/20283.42 %12/20/2028311 299 
Bayer AG 4.375 12/15/20284.38 %12/15/20281,646 1,586 
Charter Communications, Inc. 5.05 03/30/20295.05 %3/30/2029445 441 
Fannie Mae 5.00 02/01/20495.00 %2/1/2049162 160 
Fannie Mae 5.00 03/01/20495.00 %3/1/2049547 539 
Fannie Mae 5.00 12/01/20485.00 %12/1/2048674 666 
Bank of America Corp. 3.559 04/23/20273.56 %4/23/2027934 925 
Imperial Brands PLC 3.875 07/26/20293.88 %7/26/20291,423 1,369 
The Cigna Group 4.375 10/15/20284.38 %10/15/20281,646 1,628 
Wells Fargo & Co. 2.879 10/30/20302.88 %10/30/2030445 403 
Fannie Mae 3.336 10/01/20493.34 %10/1/20491,021 1,029 
Dow, Inc. 4.80 11/30/20284.80 %11/30/2028801 799 
Prosus NV 3.68 01/21/20303.68 %1/21/20301,601 1,471 
JPMorgan Chase & Co. 4.493 03/24/20314.49 %3/24/20312,090 2,062 
Wells Fargo & Co. 4.478 04/04/20314.48 %4/4/20312,980 2,917 
CVS Health Corp. 3.75 04/01/20303.75 %4/1/2030712 658 
Oracle Corp. 2.95 04/01/20302.95 %4/1/20301,735 1,579 
Dominion Energy, Inc. 3.375 04/01/20303.38 %4/1/20302,046 1,899 
The Southern Co. 3.70 04/30/20303.70 %4/30/20301,557 1,472 
JPMorgan Chase & Co. 2.522 04/22/20312.52 %4/22/20311,112 985 
JPMorgan Chase & Co. 2.083 04/22/20262.08 %4/22/2026445 443 
Philip Morris International, Inc. 2.10 05/01/20302.10 %5/1/20304,136 3,590 
Boston Properties, Inc. 3.25 01/30/20313.25 %1/30/2031667 596 
JPMorgan Chase & Co. 2.956 05/13/20312.96 %5/13/20311,156 1,039 
RELX PLC 3.00 05/22/20303.00 %5/22/20301,067 973 
AT&T, Inc. 2.75 06/01/20312.75 %6/1/20313,024 2,638 
HSBC Holdings PLC 2.848 06/04/20312.85 %6/4/20311,779 1,566 
Freddie Mac Pool 2.50 07/01/20502.50 %7/1/20505,604 4,637 
Fannie Mae 2.50 08/01/20502.50 %8/1/20506,334 5,261 
NatWest Group PLC 3.032 11/28/20353.03 %11/28/2035534 463 
British American Tobacco PLC 2.726 03/25/20312.73 %3/25/20312,313 2,013 
British American Tobacco PLC 2.259 03/25/20282.26 %3/25/2028400 370 
Barclays PLC 3.564 09/23/20353.56 %9/23/2035400 357 
State Street Corp. 3.152 03/30/20313.15 %3/30/20313,158 2,918 
Fannie Mae 2.50 09/01/20402.50 %9/1/204012,501 10,803 
Freddie Mac Pool 2.50 10/01/20402.50 %10/1/20401,346 1,166 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

72
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
AbbVie, Inc. 3.20 11/21/20293.20 %11/21/20291,468 1,367 
The Williams Co., Inc. 3.25 05/15/20303.25 %5/15/20301,690 1,547 
Freddie Mac Pool 2.50 10/01/20402.50 %10/1/20403,783 3,269 
Freddie Mac Pool 2.50 11/01/20502.50 %11/1/20502,527 2,099 
Freddie Mac Pool 2.50 08/01/20402.50 %8/1/20404,462 3,925 
Fannie Mae 2.50 01/01/20412.50 %1/1/20412,586 2,228 
T-Mobile U.S., Inc. 2.55 02/15/20312.55 %2/15/20312,313 2,012 
NextEra Energy, Inc. 1.90 06/15/20281.90 %6/15/20282,313 2,096 
Prosus NV 3.061 07/13/20313.06 %7/13/20312,179 1,861 
Freddie Mac Pool 2.50 07/01/20412.50 %7/1/20414,906 4,206 
Fannie Mae 2.50 12/01/20512.50 %12/1/20515,262 4,357 
The Goldman Sachs Group, Inc. 3.615 03/15/20283.62 %3/15/20282,624 2,580 
Charter Communications, Inc. 4.40 04/01/20334.40 %4/1/2033489 442 
British American Tobacco PLC 4.742 03/16/20324.74 %3/16/20321,245 1,215 
Wells Fargo & Co. 3.908 04/25/20263.91 %4/25/20261,423 1,429 
Verizon Communications, Inc. 2.355 03/15/20322.36 %3/15/20321,914 1,601 
Capital One Financial Corp. 5.268 05/10/20335.27 %5/10/2033489 480 
Fannie Mae 3.50 04/01/20523.50 %4/1/20521,703 1,517 
Fannie Mae 3.50 07/01/20523.50 %7/1/20525,860 5,239 
Kinder Morgan, Inc. 4.80 02/01/20334.80 %2/1/20331,112 1,079 
Fannie Mae 2.526 06/01/20522.53 %6/1/20523,970 3,581 
Freddie Mac 4.231 09/01/20524.23 %9/1/205214,527 14,200 
Freddie Mac 3.333 07/01/20523.33 %7/1/20527,586 7,224 
T-Mobile U.S., Inc. 5.20 01/15/20335.20 %1/15/20331,468 1,488 
The Southern Co. 5.70 10/15/20325.70 %10/15/20322,402 2,496 
Boston Properties, Inc. 6.75 12/01/20276.75 %12/1/20272,046 2,145 
Bank of America Corp. 6.204 11/10/20286.20 %11/10/20281,779 1,858 
Ford Credit Auto Owner Trust 5.27 05/17/20275.27 %5/17/20274,256 4,285 
Exelon Corp. 3.35 03/15/20323.35 %3/15/20321,957 1,752 
Freddie Mac Pool 3.50 08/01/20523.50 %8/1/2052724 645 
Freddie Mac 4.725 01/01/20534.73 %1/1/20531,723 1,714 
UBS Group AG 5.711 01/12/20275.71 %1/12/2027578 598 
Freddie Mac 3.976 01/01/20533.98 %1/1/20534,183 4,043 
Fannie Mae 3.50 05/01/20523.50 %5/1/20523,761 3,344 
Capital One Financial Corp. 5.817 02/01/20345.82 %2/1/2034400 412 
Fannie Mae 3.50 04/01/20523.50 %4/1/20522,194 1,955 
U.S. Treasury Note/Bond 4.625 02/28/20254.63 %2/28/20254,508 4,580 
Texas Natural Gas Securitization Finance Corp. 5.102 04/01/20355.10 %4/1/20352,638 2,678 
Freddie Mac Pool 3.50 06/01/20523.50 %6/1/20522,697 2,398 
Ford Motor Credit Co. LLC 6.80 05/12/20286.80 %5/12/2028445 464 
Freddie Mac Pool 3.50 07/01/20523.50 %7/1/20522,389 2,124 
The Charles Schwab Corp. 5.643 05/19/20295.64 %5/19/20291,290 1,324 
The Charles Schwab Corp. 5.853 05/19/20345.85 %5/19/2034623 645 
Capital One Financial Corp. 6.377 06/08/20346.38 %6/8/2034489 510 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

73
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
Fannie Mae 3.50 02/01/20533.50 %2/1/20535,208 4,625 
Fannie Mae 3.50 06/01/20523.50 %6/1/2052971 863 
Fannie Mae 3.00 11/01/20403.00 %11/25/20401,884 1,706 
Freddie Mac 4.626 08/01/20534.63 %8/1/20533,879 3,779 
U.S. Treasury Note/Bond 5.00 08/31/20255.00 %8/31/20257,748 7,917 
Ford Motor Credit Co. LLC 6.798 11/07/20286.80 %11/7/20281,023 1,070 
The Charles Schwab Corp. 6.196 11/17/20296.20 %11/17/2029489 514 
U.S. Treasury Note/Bond 4.375 11/30/20284.38 %11/30/20281,039 1,043 
Honda Auto Receivables Owner Trust 5.67 06/21/20285.67 %6/21/20282,841 2,891 
Fannie Mae 3.50 11/01/20513.50 %11/1/20512,320 2,066 
U.S. Treasury Note/Bond 4.25 01/31/20264.25 %1/31/202610,674 10,864 
Freddie Mac Pool 3.50 05/01/20523.50 %5/1/2052891 792 
Fannie Mae 4.00 08/01/20524.00 %8/1/20521,020 937 
U.S. Treasury Note/Bond 4.125 03/31/20314.13 %3/31/2031961 953 
U.S. Treasury Note/Bond 4.875 05/31/20264.88 %5/31/202614,232 14,411 
U.S. Treasury Note/Bond 3.75 08/31/20263.75 %8/31/202617,461 17,546 
Ford Credit Auto Owner Trust 4.11 07/15/20304.11 %7/15/20305,574 5,487 
Hyundai Auto Receivables Trust 4.44 01/15/20314.44 %1/15/20312,112 2,099 
U.S. Treasury Note/Bond 4.125 11/30/20314.13 %11/30/20313,850 3,781 
Total Reinsurance Group of America Contract No. RGA00084$303,889 
Royal Bank of Canada Contract No. Citigroup01
CARMX 2022-4 A35.34 %8/16/2027676 680 
CARMX 2024-1 A2A5.30 %3/15/2027894 897 
CASH COLLATERAL CME RDR USD4.23 %12/31/1960197 197 
CASH COLLATERAL FUT RDR USD4.23 %12/31/1960413 413 
CASH COLLATERAL LCH RDR USD4.23 %12/31/1960354 354 
*Collective U.S. Gov't STIF 154.41 %12/1/2030390 390 
FH ARM 1Q1534 H15T1Y+223.1 10.2746.98 %6/1/2037278 287 
FN 793029 RFUCCT6M+159.2BP 10.8696.91 %7/1/2034123 125 
FNMA PASS THRU 20YR #8888435.50 %3/1/20276 6 
FNMA PASS THRU 20YR #AE07875.50 %5/1/202815 15 
U S TIPS REPO4.60 %1/2/202539,139 39,139 
VM CASH CCP CME RDR USD4.46 %12/31/206036 36 
VM CASH CCP LCH RDR USD4.46 %12/31/206033 33 
VM CASH FUT DOM RDR USD4.36 %12/31/2060109 109 
ADVENT HEALTH SYSTEM2.95 %3/1/20291,067 974 
AMERICAN ELECTRIC POWER SR UNSEC5.63 %3/1/20331,423 1,440 
AMERICAN HOMES 4 RENT SR UNSEC4.25 %2/15/2028890 870 
ANDREW W MELLON FOUNDATI UNSEC0.95 %8/1/20272,135 1,950 
ANTHEM INC SR UNSEC2.55 %3/15/2031712 611 
AVANGRID INC SR UNSEC3.80 %6/1/20291,067 1,012 
BANK OF AMERICA CORP SR UNSEC SOFR1.66 %3/11/2027890 857 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

74
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
BANK OF AMERICA CORP SR UNSEC SOFR2.59 %4/29/20311,868 1,646 
BARCLAYS PLC SR UNSEC SOFR5.69 %3/12/20301,779 1,797 
BAYER US FINANCE II LLC SR UNSEC 144A4.38 %12/15/2028712 685 
BNP PARIBAS SR NON-PREFER 144A SOFR3.05 %1/13/20311,334 1,191 
BPCE SA SR NON PREF 144A SOFR6.61 %10/19/2027712 729 
BROOKFIELD FINANCE INC SR UNSEC4.35 %4/15/20301,423 1,373 
CONSTELLATION EN GEN LLC SR UNSEC5.60 %3/1/2028890 907 
CONSUMERS ENERGY CO 1ST MORTGAGE4.90 %2/15/2029534 535 
DELL INT LLC / EMC CORP4.90 %10/1/2026534 536 
DEUTSCHE BANK NY SOFR3.04 %5/28/20321,779 1,526 
EMORY UNIVERSITY UNSEC2.14 %9/1/20302,313 2,017 
EQUITABLE FINANCIAL LIFE SEC 144A1.80 %3/8/20281,245 1,127 
FLORIDA POWER & LIGHT 1ST MTG2.45 %2/3/20321,067 901 
GOLDMAN SACHS GROUP INC SR UNSEC3.85 %1/26/20271,601 1,572 
HSBC HOLDINGS PLC SR UNSEC TSFR3M4.58 %6/19/20291,672 1,639 
ING GROEP NV SR UNSEC4.05 %4/9/2029890 855 
JPMORGAN CHASE & CO SR UNSEC TSFR3M4.01 %4/23/20293,024 2,934 
LLOYDS BANKING GROUP PLC SR UNSEC4.55 %8/16/2028534 524 
MASSMUTUAL GLOBAL FUNDIN SEC 144A4.50 %4/10/20261,512 1,512 
MIZUHO FINANCIAL GROUP SR UNSEC 144A3.48 %4/12/2026534 525 
MORGAN STANLEY SR UNSEC SOFR5.32 %7/19/20352,224 2,189 
NATIONAL RURAL UTIL COOP SR UNSEC4.80 %3/15/2028534 535 
NATWEST GROUP PLC SR UNSEC5.85 %3/2/20271,245 1,258 
NOMURA HOLDINGS INC SR UNSEC3.10 %1/16/20301,423 1,285 
NSTAR ELECTRIC CO SR UNSEC5.60 %10/1/2028712 719 
NVR INC SR UNSEC3.00 %5/15/20301,423 1,285 
OLYMPUS CORP SR UNSEC 144A2.14 %12/8/20261,779 1,689 
PACIFIC GAS & ELECTRIC3.00 %6/15/2028498 467 
PINNACLE WEST CAPITAL SR UNSEC1.30 %6/15/20251,423 1,400 
PROLOGIS TARGETED US SR UNSEC 144A5.25 %4/1/2029356 360 
RGA GLOBAL FUNDING SEC 144A2.00 %11/30/20261,779 1,693 
SANTANDER UK GROUP HLDGS SR UNSEC SOFR2.90 %3/15/20321,779 1,523 
SEATTLE CHILDREN HOSP UNSEC1.21 %10/1/20271,601 1,459 
SOUTHERN CAL EDISON 1ST MTGE5.65 %10/1/2028534 546 
SOUTHERN CALIF GAS CO SR UNSEC2.95 %4/15/20272,135 2,054 
STANDARD CHARTER SR UNSEC 144A2.68 %6/29/2032890 748 
SUMITOMO MITSUI FINL GRP SR UNSEC2.13 %7/8/20301,423 1,218 
SUTTER HEALTH UNSEC3.70 %8/15/20282,135 2,050 
SYSTEM ENERGY RESOURCES 1ST5.30 %12/15/2034534 523 
UBS GROUP AG SR UNSEC 144A SOFR4.19 %4/1/20311,779 1,683 
UPMC SEC5.04 %5/15/20331,512 1,489 
WELLS FARGO & COMPANY SR UNSEC TSFR3M2.88 %10/30/2030801 723 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

75
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
WELLS FARGO & COMPANY SR UNSEC SOFR5.50 %1/23/20351,334 1,331 
FIN FUT SOFR 90DAY CME (RED) 03/17/26— %3/18/202628,465 27,342 
FIN FUT US 10YR CBT 03/20/256.00 %3/21/2025(1,779)(1,935)
FIN FUT US 2YR CBT 03/31/256.00 %4/1/202552,304 53,771 
FIN FUT US 5YR CBT 03/31/256.00 %4/1/20258,539 9,078 
FIN FUT US ULTRA 10YR CBT 03/20/256.00 %3/21/2025(534)(594)
FIN FUT US ULTRA 30YR CBT 03/20/256.00 %3/21/2025(5,159)(6,135)
RFR USD SOFR/3.30000 12/02/24-4Y* CME3.30 %2/28/2029(1,423)41 
RFR USD SOFR/3.30000 12/02/24-7Y* CME3.30 %6/30/2031(534)23 
RFR USD SOFR/3.32826 09/03/24-7Y* CME3.33 %4/30/2031(178)7 
RFR USD SOFR/3.43091 09/03/24-7Y* LCH3.43 %4/30/2031(356)12 
RFR USD SOFR/3.51042 09/03/24-4Y* LCH3.51 %11/30/2028(534)10 
RFR USD SOFR/3.51453 09/03/24-4Y* LCH3.51 %11/30/2028(712)14 
RFR USD SOFR/3.71000 03/03/25-7Y* LCH3.71 %11/30/2031(4,270)83 
RFR USD SOFR/3.74000 03/03/25-4Y* LCH3.74 %5/31/2029(3,380)38 
RFR USD SOFR/3.79000 03/03/25-7Y* LCH3.79 %10/31/2031(356)5 
RFR USD SOFR/3.83000 03/03/25-4Y* LCH3.83 %5/31/2029(2,846)22 
DCENT 2023-A2 A4.93 %6/15/2028890 896 
FHLMC GOLD 30YR #Q3-73053.00 %11/1/20451,716 1,495 
FHLMC GOLD 30YR GNT #G0-86933.50 %3/1/204620 18 
FNMA PASS THRU 15YR #AL22223.00 %8/1/202748 47 
FNMA PASS THRU 15YR #FM38693.00 %6/1/2035171 161 
FNMA PASS THRU 20YR #2570475.50 %1/1/202816 16 
FNMA PASS THRU 20YR #AD09125.50 %4/1/202961 62 
FNMA PASS THRU 20YR #AL69385.50 %4/1/20302 2 
FNMA PASS THRU 30YR #3579085.50 %7/1/203515 16 
FNMA PASS THRU 30YR #7562025.50 %12/1/203313 13 
FNMA PASS THRU 30YR #8080405.50 %2/1/2035204 207 
FNMA PASS THRU 30YR #8176405.50 %11/1/2035210 213 
FNMA PASS THRU 30YR #8313565.50 %3/1/2036107 108 
FNMA PASS THRU 30YR #8492995.50 %1/1/2036184 186 
FNMA PASS THRU 30YR #8654335.50 %2/1/203611 11 
FNMA PASS THRU 30YR #8895615.50 %6/1/2038136 136 
FNMA PASS THRU 30YR #9407655.50 %6/1/203779 79 
FNMA PASS THRU 30YR #9957595.50 %11/1/2038306 307 
FNMA PASS THRU 30YR #AD09635.50 %9/1/203824 24 
FNMA PASS THRU 30YR #AL75795.50 %2/1/2042112 113 
FNMA PASS THRU 30YR #AS09245.00 %11/1/20431,154 1,138 
FNMA PASS THRU 30YR #AU53863.00 %6/1/20432,447 2,157 
FNMA PASS THRU 30YR #BV26163.00 %7/1/205212,161 10,342 
FNMA PASS THRU 30YR #FM32413.00 %3/1/20501,234 1,061 
FNMA PASS THRU 30YR #MA54954.50 %10/1/20541,052 990 
FNMA PASS THRU 30YR #SD82654.00 %11/1/205221,341 19,548 
GNMA II MULTPL SGL 30YR #MA4587M4.00 %7/20/2047363 340 
GNMA II MULTPL SGL 30YR #MA4720M4.00 %9/20/2047795 743 
GNMA II MULTPL SGL 30YR #MA7589M2.50 %9/20/20517,156 5,980 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

76
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
DENVER SCHS-B-REF-TXB4.24 %12/15/20371,245 1,155 
FL ST BRD ADMIN FIN-A5.53 %7/1/2034534 540 
LA LOCAL GOVT ENVRN-A4.15 %2/1/2033534 519 
LA LOCAL GOVT ENVRN-A4.28 %2/1/2036801 759 
NYC TRANSTNL FIN-C33.50 %11/1/20323,113 2,814 
SALES TAX SECURITIZTN2.96 %1/1/20321,779 1,560 
TX NATURAL GAS SECZ5.10 %4/1/20351,484 1,488 
TX ST TRANSN-1ST TIER5.18 %4/1/20301,067 1,078 
U S TREASURY BOND4.13 %8/15/2044534 484 
U S TREASURY NOTE4.13 %10/31/20267,116 7,101 
U S TREASURY NOTE4.50 %3/31/202644,654 44,781 
U S TREASURY NOTE4.13 %6/15/20264,981 4,973 
UNINVESTED CASH PLUS RECEIVABLES1,483 
NET UNSETTLED TRADES18 
NET FUTURES HELD(81,527)
BROKER CASH COLLATERAL RECEIVED(259)
Total Royal Bank of Canada Contract No. Citigroup01$218,311 
Voya Retirement Ins & Annuity Co 60266
1-3 Year Credit Bond Index Fund986 $13,869 
Asset-Backed Securities Index Fund1,385 55,538 
Commercial Mortgage-Backed Securities Index Fund662 21,718 
GOV1-3A (#101089)317 41,685 
Intermediate Government Bond Index Fund837 39,073 
Intermediate Term Credit Bond Index Fund1,640 105,903 
Mortgage-Backed Securities (MBS) Index Fund1,310 69,514 
Total Voya Retirement Ins & Annuity Co 60266$347,300 
Total Synthetic guaranteed invesment contracts:$1,442,261 
Total Investments$49,005,708 
*Participant loans4.25% to 9.25%$0603,564 
Other investment liabilities
Payable In Canadian Dollar$(10)
Payable In Danish Krone(402)
Payable In Euro(2,118)
Payable In Hong Kong Dollar(309)
Payable In Japanese Yen(289)
Payable In Norwegian Krone(11)
Payable In Pound Sterling(1,593)
Payable In Swiss Franc(183)
Payable In U.S. Dollar$(17)
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

77
CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
EIN: 66-0177415 Plan No. 002
December 31, 2024
InterestMaturity Number of Cost Current
Identity of issuerratedate shares/units value** value
    Total Other investment liabilities$(4,932)
    Totals$49,604,340 
*Party-in-interest, as defined by ERISA
**The cost of participant-directed investments is not required to be disclosed
See accompanying Report of Independent Registered Public Accounting Firm

78

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer the employee benefit plan) have duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized.

Citi Retirement Savings Plan for Puerto Rico
                        
By: /s/ Sara Wechter
Sara Wechter
Human Resources Officer

                        


Date: June 27, 2025
79



EXHIBIT INDEX
Exhibit
Number
Description of Exhibit
 
______________________
* Filed herewith.

80