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card categories does the presentation cover?","Question",{"text":62,"@type":63},"It covers U.S. Consumer Cards including General Purpose Cards (GPCC), Installment Loans, Private Label Cards (PLCC), and Citi branded and co-branded cards, including closed loop retail cards and digital installment loans.","Answer",{"name":65,"@type":60,"acceptedAnswer":66},"What performance metrics are highlighted?",{"text":67,"@type":63},"The deck highlights revenues, loans (ENR), expenses, operating efficiency ratio, EBT, NCL rate, and RoTCE, alongside customer acquisition and spend trends across 2022–2025 and 1Q26.",{"name":69,"@type":60,"acceptedAnswer":70},"How does the presentation describe its approach to risk management?",{"text":71,"@type":63},"It emphasizes a rigorous risk discipline with deliberate mix shifts toward GPCC and higher FICO, adherence to risk appetite including a strong reserve ratio, and shared downside risk in the majority of partnership agreements.","https://schema.org",{"og:url":32,"og:type":74,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":76,"canonical":32},"index,follow",{"doc_id":78,"site_id":7},305955,1791743528,{"code":4,"msg":81,"data":82},"success",[83,87,92,97,102,107,112,117,122],{"id":84,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":85,"slug":86},11,90,"presentations",{"id":88,"doc_module":22,"doc_module_name":25,"category_name":89,"show_sort_weight":90,"slug":91},12,"Resumes",80,"resumes",{"id":93,"doc_module":22,"doc_module_name":25,"category_name":94,"show_sort_weight":95,"slug":96},14,"Invoices",70,"invoices",{"id":98,"doc_module":22,"doc_module_name":25,"category_name":99,"show_sort_weight":100,"slug":101},15,"Posters",60,"posters",{"id":103,"doc_module":22,"doc_module_name":25,"category_name":104,"show_sort_weight":105,"slug":106},16,"Social 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CARDS  \n(GPCC)  \nINSTALLMENT LOANS  \nPRIVATE LABEL CARDS  \n(PLCC)  \nCiti branded and co-branded cards  \nClosed loop retail specific cards  \nDigital installment loans  \nTop 3 Rank in ~14% Market ~70MM ~13MM Card ~12 Key Card  \nLoans(1) Share of Loans(1) Customers(2) Acquisitions(3) Partners(4)  \nFootnotes begin on Slide 17. 2  \nDelivering strong revenue momentum and financial returns (1)  \n\n| 2025 | \u003Cbr>$18.3B REVENUES\u003Cbr>$177.5B LOANS (ENR)\u003Cbr>$4.4BEBT\u003Cbr>4.3%\u003Cbr>NCL RATE\u003Cbr>37%\u003Cbr>EFFICIENCY RATIO\u003Cbr>16.8%\u003Cbr>RoTCE(2)\u003Cbr>\u003Cbr>|\n| --- | --- |\n\nCUSTOMER DRIVERS  \nNEW ACCOUNT ACQUISITIONS MM  \n14.1  \n56%  \n44%  \n13.7  \n51%  \n49%  \n12.5  \n47%  \n53%  \nCAGR  \n13.0 (3)% 43% (11)%  \n57% 6%  \n2022 2023 2024 2025  \n PLCC  GPCC  \nTOTAL SPEND USD in Billions  \n574 592 607 626  \n11% 10% 9% 8%  \n89% 90% 91% 92%  \nCAGR  \n3%  \n(6)%  \n4%  \n2022 2023 2024 2025  \n PLCC  GPCC  \nFINANCIAL METRICS  \nREVENUES USD in Billions  \n18.3  \nCAGR  \n8.4%  \n2022 2023 2024 2025  \nEXPENSES USD in Billions  \nOPERATING EFFICIENCY %  \n43.9% 39.6% 37.1% 37.0%  \nCAGR  \n6.3 6.6 6.6 6.8 2.4%  \n2022 2023 2024 2025  \nEBT  \nUSD in Billions 4.7  \n4.4  \n2022 2023 2024 2025  \nRoTCE(2)%  \nAdjusted 22. 0%(3)  \n16.8%  \n19.2%  \n2022 2023 2024 2025 1Q26  \nFootnotes begin on Slide 17. 3  \nRigorous risk discipline is leading to high-quality loans and building resilience through the cycle  \n3.88%  \n$149  \nNCL%  \n1.95%  \n$151  \nPLCC ENR($B)(1)  \n4.48% 3.29%  \nGPCC ENR ($B)(1)  \n4.25%  \n$165 $171 $174  \n4.08%  \n$167  \n2019 2022 2023 2024 2025 1Q26  \nPLCC NCL%  \nGPCC NCL%  \nFICO≥660(2)  \nACL/Loans Ratio  \nUnemployment Rate(5)  \n4.48%  \n2.48%  \n4.20%  \n5.54%  \n5.08%  \n5.05%  \n\n| 3.72% | 1.81% | 3.06% | 4.23% | 4.07% | 3.87% |\n| --- | --- | --- | --- | --- | --- |\n| 84% | 87% | 86% | 86% | 85% | 85% |\n| 4. 7%(4) | 7.6% | 7.7% | 7.9% | 7.7% | 8.0% |\n\n3.6%  \n3.5%  \n3.8%  \n4.1%  \n4.4%  \n4.3%  \n2009(3) FICO ≥ 660 : 69%   \nCAGR  \n’22-’25  \n4.8%  \n(0.5)%  \n6.2%  \nBUILDING RESILIENCE THROUGH THE CYCLE(6)  \nRISK MANAGEMENT FRAMEWORK  \n• Deliberate mix shift to GPCC and higher FICO  \n• Adherence to risk appetite including a strong reserve ratio  \n• Shared downside risk in majority of partnership agreements  \nFUTURE OPPORTUNITIES  \n• Capitalize on data assets (e.g., partner data, alternative data, and centralized cloud data hub for processing power)  \n• Continued investment in ML/AI to further uplift models, modernize collections, fraud and other risk processes  \nFootnotes begin on Slide 17. 4  \nWe have made significant progress since our last Investor Day in 2022  \nINNOVATED ACROSS PRODUCTS  \n• Refreshed and launched 18 card products and re-entered the premium card space  \n• Scaled installment loans  \n\n| | ELEVATED THE\u003Cbr>CUSTOMER EXPERIENCE | • | Upgraded 10+ platforms and systems across travel, rewards, and core infrastructure |\n| --- | --- | --- | --- |\n|  |  | • | Enhancing servicing through advanced data, analytics, and new ML/AI capabilities (e.g., AI-enabled Agent Assist and IVR(1) in customer service) |\n| | EXPANDED PARTNERSHIPS | •\u003Cbr>• | Renewed and signed 6 partnerships with improved economics Deepened partnership with American Airlines and extended relationship with Costco |\n\nEVOLVED PARTNER CARD PORTFOLIO MIX TOWARD GENERAL PURPOSE CO-BRAND  \n• Exited 12 PLCC programs, increasing General Purpose % of Cards ENR from 79% in 2022 to 82% in 2025  \n• Citi GPCC Co-Brands have ~8x annual spend per active account and~2x balances per active account vs . PLCC  \nFootnotes begin on Slide 17. 5  \nOur business model creates a virtuous cycle to drive sustained and profitable growth  \nBUSINESS MODEL  \nInvesting in a holistic Attracting a strong and  \nsuite of competitive products  \ngrowing base of highquality customers  \nDriving scale economics through digitization, data, analytics, machin","cbCaii4h9tvM5nP0","https://ap.wps.com/l/cbCaii4h9tvM5nP0","pdf",2241471,6,20,"English","# Customer Drivers\n## New Account Acquisitions\n## Total Spend\n# Financial Metrics\n## Revenues, Expenses, and Efficiency\n## EBT and RoTCE\n# Risk Management and Resilience\n## Risk Management Framework\n## Future Opportunities\n# Investor Day Progress\n## Product Innovation and Customer Experience\n## Partnership Expansion\n# Business Model and Growth\n## Market Growth and Core Competencies\n# Products and Awards\n## Select Products and Recent Highlights","[{\"question\":\"What card categories does the presentation cover?\",\"answer\":\"It covers U.S. Consumer Cards including General Purpose Cards (GPCC), Installment Loans, Private Label Cards (PLCC), and Citi branded and co-branded cards, including closed loop retail cards and digital installment loans.\"},{\"question\":\"What performance metrics are highlighted?\",\"answer\":\"The deck highlights revenues, loans (ENR), expenses, operating efficiency ratio, EBT, NCL rate, and RoTCE, alongside customer acquisition and spend trends across 2022–2025 and 1Q26.\"},{\"question\":\"How does the presentation describe its approach to risk management?\",\"answer\":\"It emphasizes a rigorous risk discipline with deliberate mix shifts toward GPCC and higher FICO, adherence to risk appetite including a strong reserve ratio, and shared downside risk in the majority of partnership agreements.\"}]","Citi U.S. Consumer Cards Presentation - 26 | PDF",1789831360,7]