Citigroup : Citi Investor Day 2026 TranscriptPresentationPresentationPresentationPresentationPresentationPresentationPresentationTranscriptTranscript

Published: 2026-05-13 15:36:09 ET C

Published on 05/13/2026 at 03:36 pm EDT

Good morning, everyone, and thank you for being here. I'm Jenn Landis, Head of Investor Relations and on behalf of the entire leadership team, it's my pleasure to welcome you to our 2026 full firm Investor Day. Events like today are so important to us, not just as an opportunity to present the next two phases of Citi, but as a continuation of the ongoing conversations we have had over the past several years.

Those conversations have shaped how we structured today, and I want you to know that your questions and perspectives have been heard and will be addressed. Over the past few years, we've been very focused on raising the bar in how we engage with you, bringing greater transparency, more consistency, and a more analytical framework around how we communicate our performance and our progress.

And that is what we will continue to do for the next two phases. We know you want a clearer understanding of the trajectory to higher returns, for both the near term and the medium term, and to have a better understanding of what the firm can achieve organically. So today is designed to give you a complete and transparent picture of what you could expect from us and what we will deliver to you.

Now, let me walk you through the day. So, Jane will open up by grounding you in on our strategy and transformation, the progress that we've made against our commitments. What is left to do to get to the target state and how we will deliver higher, sustainable returns going forward. Following that, you will hear directly from our business leaders, who will take you deeper into the specific areas of the franchise that underpin our growth and our return targets.

Then Gonzalo will walk you through the financial performance in greater detail, including the assumptions, the drivers and the milestones we expect you to hold us to get to our targets. And then we will close with a Q&A session where the full leadership team will be available to answer your questions.

Thank you again for your time and continued engagement. It means a great deal to the entire team. And with that, let's start the day.

Certain statements in this transcript are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, including statements made orally by Citi's management. Such statements may be identified by words such as believe, expect, anticipate, intend, estimate, may increase, may fluctuate, target, outlook, guidance and illustrative, and similar expressions or future or conditional verbs such as will, should, would and could. These statements are based on management's current expectations and are subject to uncertainty and changes in circumstances. These statements are not guarantees of future results or occurrences. Actual results and capital and other financial condition may differ materially from those included in these statements due to a variety of factors. These factors include, among others: (i) macroeconomic, geopolitical and other challenges and uncertainties, including impacts related to the conflict in the Middle East and resulting disruptions to energy and other commodities markets and supply chains; elevated inflation, slowing economic growth and increases in unemployment rates; changes in U.S. laws or policies; and changes in interest rates and monetary policies;

(ii) the execution and efficacy of Citi's initiatives to achieve its simplification, transformation and enhanced firm and business performance priorities; and (iii) the precautionary statements included in this transcript. These factors also consist of those contained in Citigroup's filings with the U.S. Securities and Exchange Commission, including without limitation the "Risk Factors" section of Citigroup's 2025 Form 10- K. Any forward-looking statements made by or on behalf of Citigroup speak only as to the date they are made, and Citi does not undertake to update forward-looking statements to reflect the impact of circumstances or events that arise after the date the forward-looking statements were made

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Citigroup Inc. published this content on May 13, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on May 13, 2026 at 19:35 UTC.