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CONSOLIDATED BALANCE SHEET - USD ($)
$ in Millions
Sep. 30, 2025
Dec. 31, 2024
Assets    
Cash and due from banks (including segregated cash and other deposits) $ 23,545 $ 22,782
Deposits with banks, net of allowance 324,515 253,750
Securities borrowed and purchased under agreements to resell (including $164,778 and $140,855 as of September 30, 2025 and December 31, 2024, respectively, at fair value), net of allowance 321,347 274,062
Brokerage receivables, net of allowance 75,992 50,841
Trading account assets (including $245,069 and $193,291 pledged to creditors as of September 30, 2025 and December 31, 2024, respectively) 562,254 442,747
Investments:    
Available-for-sale debt securities (including $8,563 and $5,389 pledged to creditors as of September 30, 2025 and December 31, 2024, respectively) 246,227 226,876
Held-to-maturity debt securities, net of allowance (fair value of which is $185,346 and $224,410 as of September 30, 2025 and December 31, 2024, respectively) (includes $74 and $0 pledged to creditors as of September 30, 2025 and December 31, 2024, respectively) 197,092 242,382
Equity securities (including $684 and $578 as of September 30, 2025 and December 31, 2024, respectively, at fair value) 7,413 7,399
Total investments 450,732 476,657
Loans:    
Loans, net of unearned income 733,905 694,488
Allowance for credit losses on loans (ACLL) (19,206) (18,574)
Total loans, net 714,699 675,914
Goodwill 19,126 19,300
Intangible assets (including MSRs of $748 and $760 as of September 30, 2025 and December 31, 2024, respectively) 4,330 4,494
Premises and equipment, net of depreciation and amortization 32,819 30,192
Other assets (including $15,584 and $13,703 as of September 30, 2025 and December 31, 2024, respectively, at fair value), net of allowance 113,116 102,206
Total assets 2,642,475 2,352,945
Liabilities    
Deposits (including $3,684 and $3,608 as of September 30, 2025 and December 31, 2024, respectively, at fair value) 1,383,929 1,284,458
Securities loaned and sold under agreements to repurchase (including $202,192 and $49,154 as of September 30, 2025 and December 31, 2024, respectively, at fair value) 349,726 254,755
Brokerage payables (including $4,900 and $5,207 as of September 30, 2025 and December 31, 2024, respectively, at fair value) 89,596 66,601
Trading account liabilities 160,243 133,846
Short-term borrowings (including $25,023 and $12,484 as of September 30, 2025 and December 31, 2024, respectively, at fair value) 54,760 48,505
Long-term debt (including $129,817 and $112,719 as of September 30, 2025 and December 31, 2024, respectively, at fair value) 315,846 287,300
Other liabilities, plus allowances 74,498 68,114
Total liabilities 2,428,598 2,143,579
Stockholders’ equity    
Preferred stock ($1.00 par value; authorized shares: 30 million), issued shares: as of September 30, 2025—762,000 and as of December 31, 2024—714,000, at aggregate liquidation value 19,050 17,850
Common stock ($0.01 par value; authorized shares: 6 billion), issued shares: as of September 30, 2025—3,099,751,185 and as of December 31, 2024—3,099,719,006 31 31
Additional paid-in capital 109,010 109,117
Retained earnings 214,034 206,294
Treasury stock, at cost: September 30, 2025—1,310,485,026 shares and December 31, 2024— 1,222,647,540 shares (84,932) (76,842)
Accumulated other comprehensive income (loss) (AOCI) (44,170) (47,852)
Total Citigroup stockholders’ equity 213,023 208,598
Noncontrolling interests 854 768
Total equity 213,877 209,366
Total liabilities and equity 2,642,475 2,352,945
Consumer loans    
Loans:    
Loans, net of unearned income 398,628 393,102
Allowance for credit losses on loans (ACLL) (16,205) (16,018)
Corporate loans    
Loans:    
Loans, net of unearned income 335,277 301,386
Allowance for credit losses on loans (ACLL) $ (3,001) $ (2,556)