Cantu Ernesto Torres - 20 Feb 2026 Form 4 Insider Report for CITIGROUP INC (C)

Role: Head of International
Signature: Ernesto Torres Cantu by Joseph B. Wollard, Attorneyin-Fact
Issuer symbol: C
Transactions as of: 20 Feb 2026
Net transactions value: -$929,214
Form type: 4
Filing time: 24 Feb 2026, 16:12:48 UTC
Previous filing: 13 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Torres Cantu Ernesto	Head of International	CITIGROUP INC., 388 GREENWICH STREET, NEW YORK	Ernesto Torres Cantu by Joseph B. Wollard, Attorneyin-Fact	24 Feb 2026	0001792762

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	C	Common Stock	Tax liability	$929,214	-8,042	-5.2%	$115.55	147,061	20 Feb 2026	Direct	F1
holding	C	Common Stock						45,835	20 Feb 2026	By Spouse

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	C	Performance Share Units	Award	$0	+30,530		$0.000000	30,530	20 Feb 2026	Common Stock	30,530		Direct	F2, F3

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Withholding of shares of common stock to satisfy tax withholding obligations in connection with the vesting of previously awarded stock.
F2	On February 16, 2023 the Reporting Person received from the Issuer a target award of 59,629.89 Performance Share Units ("PSUs"), with the possibility to earn from 0% to 150% of the target award, based on (i) the Issuer's average return on tangible common equity ("RoTCE") over the three-year period ending on December 31, 2025 (the "Performance Period") and (ii) the Issuer's cumulative tangible book value per share ("TBVPS") over the Performance Period. Based on performance during the Performance Period, the Reporting Person is entitled to receive 30,530.50 PSUs.
F3	(con't) Each PSU is payable only in cash which is expected to be delivered on or about February 28, 2026. Each PSU is equivalent to the cash value of the average of the closing prices of one share of the Issuer's common stock on the New York Stock Exchange for the twenty trading days immediately preceding January 20, 2026, plus dividends declared on equivalent shares of the Issuer's common stock from December 31, 2022 through February 28, 2026.