Investor Presentaiton

FOCUSED STRATEGY U.S. Personal Banking Branded Cards Retail Services Retail Banking . ● ● Refocused strategy; clear-eyed about value drivers Serves ~72 million customers • Affluent retail clients that feed Wealth business 20 #2 in U.S. Cards' Highest deposits per branch² KEY PERFORMANCE INDICATORS Card loans Deposits Note: All footnotes are presented on Slide 23. 12 citi

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