# EDGAR Filing Document

**Accession Number:** 0000831001
**File Stem:** 0000831001-25-000112
**Filing Date:** 2025-6
**Character Count:** 228772
**Document Hash:** 3c697f3115633247530335fe11003f5d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000831001-25-000112.hdr.sgml**: 20250630

**ACCESSION NUMBER**: 0000831001-25-000112

**CONFORMED SUBMISSION TYPE**: 11-K

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20241231

**FILED AS OF DATE**: 20250630

**DATE AS OF CHANGE**: 20250627

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CITIGROUP INC
- **CENTRAL INDEX KEY:** 0000831001
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 521568099
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 11-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-09924
- **FILM NUMBER:** 251088493

**BUSINESS ADDRESS:**
- **STREET 1:** 388 GREENWICH STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013
- **BUSINESS PHONE:** 2125591000

**MAIL ADDRESS:**
- **STREET 1:** 388 GREENWICH STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** TRAVELERS GROUP INC
- **DATE OF NAME CHANGE:** 19950519

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** TRAVELERS INC
- **DATE OF NAME CHANGE:** 19940103

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PRIMERICA CORP /NEW/
- **DATE OF NAME CHANGE:** 19920703

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549**

**FORM 11-K**

**ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**

**For the fiscal year ended December 31, 2024** 

**Commission File No. 1-9924**

**__________________________________**

&nbsp;&nbsp;&nbsp;&nbsp;A.Full title of the plan and the address of the plan, if different from that of the issuer named below:

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

 **Plans Administration Committee** 

**388 Greenwich Street, 15th Floor**

**New York, NY 10013** 

&nbsp;&nbsp;&nbsp;&nbsp;B.Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:

**Citigroup Inc.**

**388 Greenwich Street**

**New York, NY 10013** 

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Financial Statements and Supplemental Schedule

December 31, 2024 and 2023

(With Report of Independent Registered Public Accounting Firm Thereon)

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Financial Statements and Supplemental Schedule

December 31, 2024 and 2023

**Table of Contents**

---

| | |
|:---|:---|
| | **Page** |
| Report of Independent Registered Public Accounting Firm | <u>[1](#i54259fda328c48669a2b7fe47f158247_10)</u> |
| Financial Statements: |  |
| &nbsp;&nbsp;&nbsp;Statements of Net Assets Available for Benefits as of December 31, 2024 and 2023 | <u>[3](#i54259fda328c48669a2b7fe47f158247_13)</u> |
| &nbsp;&nbsp;&nbsp;Statements of Changes in Net Assets Available for Benefits for the years ended December 31, 2024 and 2023 | <u>[4](#i54259fda328c48669a2b7fe47f158247_16)</u> |
| &nbsp;&nbsp;&nbsp;&nbsp;Notes to Financial Statements | <u>[5](#i54259fda328c48669a2b7fe47f158247_19)</u> |
| Supplemental Schedule:\* |  |
| &nbsp;&nbsp;&nbsp;Schedule H, Line 4i – Schedule of Assets (Held at End of Year) as of December 31, 2024 | <u>[15](#i54259fda328c48669a2b7fe47f158247_55)</u> |
| Signatures | <u>[79](#i54259fda328c48669a2b7fe47f158247_58)</u> |
| Exhibit Index | <u>[80](#i54259fda328c48669a2b7fe47f158247_61)</u> |

---

\*&nbsp;&nbsp;&nbsp;&nbsp;Other schedules required by Form 5500 which are not applicable have been omitted

------

**Report of Independent Registered Public Accounting Firm**

To the Plan Participants and Plan Administrator <br>Citi Retirement Savings Plan for Puerto Rico:

**Opinion on the Financial Statements**

We have audited the accompanying statements of net assets available for benefits of Citi Retirement Savings Plan for Puerto Rico (the Plan) as of December 31, 2024 and 2023, the related statements of changes in net assets available for benefits for the years ended December 31, 2024 and 2023, and the related notes (collectively, the financial statements). In our opinion, the financial statements present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2024 and 2023, and the changes in net assets available for benefits for the years ended December 31, 2024 and 2023, in conformity with U.S. generally accepted accounting principles.

*Basis for Opinion*

These financial statements are the responsibility of the Plan's management. Our responsibility is to express an opinion on these financial statements based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Plan in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.

------

*Accompanying Supplemental Information*

The Schedule H, line 4i – Schedule of Assets (Held at End of Year) as of December 31, 2024, has been subjected to audit procedures performed in conjunction with the audit of the Plan's financial statements. The supplemental information is the responsibility of the Plan's management. Our audit procedures included determining whether the supplemental information reconciles to the financial statements or the underlying accounting and other records, as applicable, and performing procedures to test the completeness and accuracy of the information presented in the supplemental information. In forming our opinion on the supplemental information, we evaluated whether the supplemental information, including its form and content, is presented in conformity with the Department of Labor's Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. In our opinion, the supplemental information, is fairly stated, in all material respects, in relation to the financial statements as a whole.

<u>/s/ KPMG LLP</u>

We have served as the Plan's auditor since 2001.

New York, New York

June 27, 2025

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

**Statements of Net Assets Available for Benefits**

**December 31, 2024 and 2023** 

---

| | | |
|:---|:---|:---|
| | **2024** | **2023** |
| Assets: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Investments: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investments, at fair value | $47563447 | $46047423 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investments in fully benefit-responsive investment contracts, <br> at contract value | 1562409 | 1931253 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total investments | 49125856 | 47978676 |
| &nbsp;&nbsp;&nbsp;&nbsp;Receivables: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Employer contributions | 512169 | 542280 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest and dividends | 20198 | 24156 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Receivable for securities sold | 5133 | 3632 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Participant contributions |  | 2102 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Participant loans | 603564 | 686750 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total receivables | 1141064 | 1258920 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets | 50266920 | 49237596 |
| Liabilities: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Payable for securities purchased | 2206 | 5666 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other investment liabilities | 4932 | 42996 |
| &nbsp;&nbsp;&nbsp;&nbsp;Payable for trustee, administrative fees and other | 9731 | 14082 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities | 16869 | 62744 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net assets available for benefits | $50250051 | $49174852 |
| See accompanying notes to financial statements. |  |  |

---

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

**Statements of Changes in Net Assets Available for Benefits**

**Years Ended December 31, 2024 and 2023** 

---

| | | |
|:---|:---|:---|
| | **2024** | **2023** |
| Additions to net assets attributable to: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Investment income : |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends | $123573 | $144296 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest | 51230 | 64925 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net appreciation in fair value of investments | 5935872 | 6981090 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net investment income | 6110675 | 7190311 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest income on loans receivable from participants | 45228 | 37286 |
| &nbsp;&nbsp;&nbsp;&nbsp;Contributions: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Employer | 512169 | 542280 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Participants | 656786 | 673574 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Rollover |  | 27231 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total contributions | 1168955 | 1243085 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total additions to net assets | 7324858 | 8470682 |
| Deductions from net assets attributable to: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Distributions to participants | 6183058 | 4346358 |
| &nbsp;&nbsp;&nbsp;&nbsp;Trustee and administrative expenses | 66601 | 37874 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deductions from net assets | 6249659 | 4384232 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net increase | 1075199 | 4086450 |
| Net assets available for benefits at: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Beginning of year | 49174852 | 45088402 |
| &nbsp;&nbsp;&nbsp;&nbsp;End of year | $50250051 | $49174852 |
| See accompanying notes to financial statements. |  |  |

---

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Notes to Financial Statements

December 31, 2024 and 2023

**(1)Description of the Plan**

The following brief description of the Citi Retirement Savings Plan for Puerto Rico (the Plan) is provided for general information purposes only. Participants should refer to the Plan's Summary Plan Description and legal Plan document for a more complete description of the Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(a)***&nbsp;&nbsp;&nbsp;&nbsp;***General***

The Plan was established in 2001 and is a defined contribution plan designed to encourage savings on the part of eligible employees. The Plan covers eligible employees of Citibank, N.A., a subsidiary of Citigroup Inc. (the Company), and its affiliates who primarily reside and work in Puerto Rico. Citibank, N.A. is the Plan Sponsor. The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended (ERISA), and the Puerto Rico Internal Revenue Code of 2011, as amended (PRIRC). The Plan is designed to comply with Section 404(c) of ERISA and the related regulations. The Plan provides for participant-directed accounts, which permits a participant or beneficiary to exercise control over the assets in the account and make investment decisions. As a result, the Plan's fiduciaries may be released from liability for any losses that result from the participant's or beneficiary's individual investment decisions.

Banco Popular de Puerto Rico (Banco Popular) is the trustee of the Plan. Bank of New York Mellon is the custodian of the Plan. The Plan is administered by Alight Solutions Inc., a third-party administrator.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(b)***&nbsp;&nbsp;&nbsp;&nbsp;***Eligibility***

Eligible employees generally include employees performing services for the Company and employees of participating subsidiaries, who are considered bona fide residents of Puerto Rico or who perform services primarily in Puerto Rico, as defined in the Plan document.

Full-time and part-time employees are eligible to participate on the first day of the first pay period after the participant becomes an employee of the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(c)***&nbsp;&nbsp;&nbsp;&nbsp;***Employee Contributions***

Eligible employees may defer on a before-tax basis through payroll deductions up to 50% (in 1% increments) of their eligible pay subject to certain legal limitations. Eligible pay generally includes base salary, overtime, commissions, shift differential pay, and periodic incentive bonuses. The minimum annual eligible pay does not exceed the applicable limits permitted by the PRIRC.

Newly hired and rehired eligible employees are automatically enrolled in the Plan at a 6% before-tax contribution rate unless they otherwise enroll themselves or opt out of the Plan. Participants who are automatically enrolled in the Plan, but do not make an investment election, are invested in the Plan's default investment, which is the Plan's "target retirement date" fund consistent with the participant's projected year of retirement. Further, unless the participant elects a different rate, for employees who are automatically enrolled, their contribution rate is automatically increased by 1% annually until they reach a before-tax contribution rate of 15% or reach the maximum statutory dollar contribution limit.

Participants who are age 50 or over by the end of the Plan year are permitted to make additional contributions up to 49% of their eligible pay, known as "catch-up" contributions, up to the applicable statutory limit. There is no automatic enrollment for catch-up contributions.

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Notes to Financial Statements

December 31, 2024 and 2023

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(d)***&nbsp;&nbsp;&nbsp;&nbsp;***Employer Contributions***

During 2024 and 2023, employer contributions consisted of three components: the Company matching contribution, fixed contribution, and transition contribution.

The Company matching contribution was equal to 100% of the participant's before-tax contributions up to 6% of the participant's eligible compensation (up to the annual compensation maximum set by the PRIRC) for eligible employees at all compensation levels. Company matching contributions did not exceed the lesser of the participant's contribution or 6% of the participant's eligible compensation up to the statutory limit. Catch-up contributions are not subject to matching contributions. Participants must contribute to the Plan to receive Company matching contributions.

A fixed contribution of up to 2% of eligible pay is credited to the Plan accounts of eligible employees whose qualifying annual compensation, as defined in the Plan, is $100,000 or less.

An annual transition contribution is credited to the Plan accounts of certain employees who were eligible to receive benefits under the Plan, the Citigroup Pension Plan, and the Citigroup Ownership Program in 2007, prior to the Plans' redesign. If an employee's total benefit opportunity under the three programs was greater than his or her benefit opportunity under the Plan, an additional transition contribution is credited. Participants receiving this transition contribution generally have long service and must be continuously employed by the Company since December 31, 2006.

Matching, fixed, and transition contributions are invested in the same manner as a participant's contributions, or in the Plan's qualified default investment alternative in the absence of such an election.

At December 31, 2024 and 2023, the employer contribution receivable was $0.5 million and $0.5 million, respectively. Company contributions relating to 2024 and 2023 were received and credited to participant accounts during the first quarter of 2025 and 2024, respectively.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(e)***&nbsp;&nbsp;&nbsp;&nbsp;***Participant Accounts***

The Plan maintains a separate account for each participant, to which contributions, expenses, and investment gains and losses are allocated.

Participants may elect to invest their account balance among the investment fund options offered under the Plan in whole increments of 1%.

A participant may elect to suspend or resume his or her contributions, subject to the Plan's notice requirements. In addition, a participant may change the rate of his or her contributions, subject to the Plan's notice requirements, and may elect to change the allocation of future contributions among the funds daily. A participant may also elect to transfer the value of his or her contributions in whole increments of 1% to other Plan investment funds, subject to certain restrictions.

Changes requested by participants are implemented as soon as administratively practicable, in accordance with the Plan document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(f)***&nbsp;&nbsp;&nbsp;&nbsp;***Rollover and Transfer Contributions***

The Plan accepts qualifying rollover contributions made by participants in cash from other Puerto Rico qualified plans. However, rollovers from an Individual Retirement Account (IRA) are not permitted under Puerto Rico law. Transfers or rollovers to the Plan may only be made with the

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Notes to Financial Statements

December 31, 2024 and 2023

approval of the Plan's management and do not affect any other contributions made by or on behalf of a participant.

There were no rollover contributions into the Plan in 2024. Rollover contributions into the Plan in 2023 amounted to $27,231.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(g)***&nbsp;&nbsp;&nbsp;&nbsp;***Investment Options***

Plan assets are held in a trust fund and are invested in the investment options offered under the Plan at the direction of Plan participants, in accordance with the Plan document.

Subject to certain restrictions, Plan participants may move a portion or all of their account balances among the Plan's investment options through a fund transfer, reallocation, or rebalance, generally not more frequently than once every seven calendar days.

Restrictions are subject to change at any time depending on generally applicable Plan rules or the requirements of the funds.

To the extent required by the compliance procedures of a mutual fund to ensure the fund's adherence to the market timing rules mandated by the Securities and Exchange Commission and upon request by a mutual fund, the Plan may provide reports to the fund detailing Plan participants' trading activity in that particular fund. The Company also may restrict the ability of certain Plan participants to invest in or divest from the Citigroup Common Stock Fund.

In general, no investment-related transaction costs are associated with the Plan, though the funds have the right to impose redemption fees, should they decide to do so.

The Plan does not directly participate in securities lending programs; however, there are investment funds that engage in securities lending which are available to Plan participants. The investment manager for an investment option determines the terms of, and the extent to which, securities lending is used. Engaging in securities lending is intended to benefit Plan participants investing in such investment offering.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(h)***&nbsp;&nbsp;&nbsp;&nbsp;***Vesting***

The rights of a participant to his or her own contributions, matching contributions, and any earnings thereon are at all times fully vested and non-forfeitable.

Company fixed and transition contributions, as described in note 1(d), vest according to the following schedule:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Upon completion of three years of service, any fixed and/or transition contributions made on a participant's behalf will be immediately vested;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;If a participant reaches age 55, dies, or becomes disabled while in service;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;In the case of a full or partial termination of the Plan or complete discontinuance of contributions under the Plan.

Once a participant is vested in his or her Company contributions, those contributions are available for distribution or rollover once he or she leaves the Company or is otherwise eligible to take a distribution, as more fully described in notes 1(k) and 1(l).

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Notes to Financial Statements

December 31, 2024 and 2023

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(i)***&nbsp;&nbsp;&nbsp;&nbsp;***Forfeited Accounts***

Forfeitures may be used to offset expenses of the Plan. During 2024 and 2023, $1,612 and $2,242, respectively, of forfeitures were used to offset Plan expenses. As of December 31, 2024 and 2023, unallocated forfeitures were $399 and $5,418, respectively.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(j)***&nbsp;&nbsp;&nbsp;&nbsp;***Loans Receivable from Participants***

Subject to the Plan's provisions and the requirements contained within ERISA and PRIRC, participants may apply for up to two loans from the Plan at a fixed annual interest rate equal to the prime rate, as published in *The Wall Street Journal* for the fifteenth business day of the month in which the loan application is initiated, plus 1%. Loans may be made for a minimum amount of $1,000, the maximum of which would be the lesser of 50% of the participant's vested account balance or $50,000, less the highest outstanding loan balance in the previous twelve months. Loans receivable from participants as of December 31, 2024 and 2023 bore interest rates from 4.25% to 9.50%. Loan terms range from 1 to 5 years for general purpose loans or up to 20 years for the purchase of a primary residence.

Loans receivable from participants are valued at unpaid principal plus any accrued but unpaid interest.

Each loan is secured through the vested balance in the participant's Plan account. If a participant defaults on his or her loan by failing to make timely repayments, the outstanding principal and interest due on the loan is treated as a deemed distribution and reported as a taxable distribution to the participant as soon as administratively practicable in the year of default. If the participant has an outstanding loan and takes a distribution of his or her Plan benefit, the outstanding principal and interest due on the loan is deducted from the account balance before an amount is distributed to the participant.

A participant applying for a loan through the Plan will be charged a $50 loan application fee. The loan application fee is nonrefundable and will be used to offset the administrative expenses associated with the loan. The fee will be deducted from the participant's Plan account at the time his or her loan request is processed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(k)***&nbsp;&nbsp;&nbsp;&nbsp;***Withdrawals***

Prior to termination of employment, a participant may withdraw, subject to the Plan's notice requirements, all or a portion of the vested value of his or her participant account if the participant has attained age 59½ or becomes totally and permanently disabled, or a certain portion of the value of his or her participant account in the event of demonstrated financial hardship, subject to the Plan's provisions. Withdrawals to which a participant is entitled are the amounts that can be provided by the contributions and income thereon (including net realized and unrealized investment gains and losses) allocated to each participant's account, less allocated expenses. Withdrawals from the Citigroup Common Stock Fund may be paid in either shares of common stock or cash at the discretion of the participant, with the exception of a hardship withdrawal, which must be paid in cash. Fractional shares and withdrawals from other funds are paid in cash.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(l)***&nbsp;&nbsp;&nbsp;&nbsp;***Distributions***

A participant, after leaving the Company, can have the total of his or her vested account distributed in accordance with the provisions of the Plan.

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Notes to Financial Statements

December 31, 2024 and 2023

If the value of a participant's account equals or exceeds $7,000, the participant may elect to defer the commencement of his or her distribution until his or her normal retirement age, age 65, or may request a distribution at any time in the form of a lump-sum payment or installments. The value of this distribution will be based on the value of the participant's vested account at the valuation date that coincides with the distribution, to the extent administratively practicable. If the value of a participant's account is less than $7,000, the Plan will distribute the participant's account upon termination of employment.

Distributions to which a participant is entitled are the vested amounts that can be provided by the contributions and income thereon (including net realized and unrealized investment gains and losses) allocated to each participant's account, less allocated expenses. Fractional shares and distributions from other funds are paid in cash.

**(2)**&nbsp;&nbsp;&nbsp;&nbsp;**Summary of Significant Accounting Policies**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(a)***&nbsp;&nbsp;&nbsp;&nbsp;***Basis of Accounting***

The accompanying financial statements have been prepared under the accrual basis of accounting and are displayed in U.S. dollars.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(b)***&nbsp;&nbsp;&nbsp;&nbsp;***Use of Estimates***

The preparation of the financial statements in conformity with U.S. generally accepted accounting principles (GAAP) requires the Plan's management to make estimates and assumptions that affect the reported amounts of assets and liabilities, changes therein, and disclosure of contingent assets and liabilities at the date the financial statements are prepared. Actual results could differ from those estimates and assumptions. Significant estimates inherent in the preparation of the financial statements include the fair value of investments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(c)***&nbsp;&nbsp;&nbsp;&nbsp;***Investment Valuation and Income Recognition***

Investments held by the Plan are generally stated at fair value with the exception of fully benefit-responsive investment contracts, which according to GAAP are stated at contract value.

Equity investments traded on national securities exchanges are valued at their closing market prices. When no trades are reported, they are valued at the most recent reported sale price on the last business day of the year; securities traded in the over the counter market are valued at their last sale or bid price. This includes U.S. and non-U.S. equities in separately managed accounts, and the Citigroup Common Stock Fund.

Mutual funds are valued at the net asset value (NAV) as reported by the underlying fund or its agent. Exchange-traded funds are valued at their last sale price.

Collective trust funds are determined to have readily determinable fair values and valued based on NAV. Participant-directed redemptions from these collective trust funds generally can be made daily, subject to a Plan imposed 7-day minimum holding period on investments (other than BNY Mellon Stable Value Fund (Fund) related investments, which have a longer holding period).

Purchases and sales of investments are recorded on a trade-date basis. Securities purchased or sold near year-end may result in payments on these securities not being made or received until after the Plan's year-end. The amounts of such payments are recorded as payables or receivables as of year-end in the statements of net assets available for benefits. Interest income is recorded as earned on the accrual basis. Dividend income is recorded on the ex-dividend date.

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Notes to Financial Statements

December 31, 2024 and 2023

Pending foreign exchange purchases are marked to market based upon year-end forward exchange rates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(d)***&nbsp;&nbsp;&nbsp;&nbsp;***Fair Value of Other Assets and Liabilities***

The carrying value of other assets and liabilities approximates fair value because of the short-term nature of these items.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(e)***&nbsp;&nbsp;&nbsp;&nbsp;***Payment of Benefits***

Benefits are recorded when paid.

**(3)**&nbsp;&nbsp;&nbsp;&nbsp;**Guaranteed Investment Contracts (GIC)**

The Plan's Fund is a custom investment vehicle that invests in fully benefit-responsive investment contracts, which are synthetic GICs issued by insurance companies.

The Plan's GICs consist of the underlying investments, which are fixed-income securities owned directly by the Plan and "wrapper" contracts purchased from the insurance companies. The wrapper contracts guarantee full payment of principal and interest and provide an interest crediting rate of not less than zero. The wrapper contracts amortize the realized and unrealized gains and losses on the underlying fixed income investments over the duration of the investments, through adjustments to the future interest crediting rate. These investments are credited with earnings on the underlying investments and charged for participant withdrawals and administrative expenses. Participants may ordinarily direct the withdrawal or transfer of all or a portion of their investment at contract value.

There are no reserves against contract value for credit risk of the contract issuers or otherwise.

An investment contract is considered fully benefit-responsive if all of the following criteria are met:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;The investment contract is between the Fund and the issuer and the contract cannot be sold or assigned.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;The contract issuer must be obligated to repay principal and interest to participants in the Fund or provide prospective crediting rate adjustments that cannot result in an interest crediting rate less than zero.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;All permitted participant-initiated transactions occur at contract value, without limitations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;An event that limits the ability of the participant to transact at contract value is not probable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;The Fund must allow participants reasonable access to their funds.

The Plan's management has concluded that the GICs are fully benefit-responsive investment contracts and has reported such contracts at contract value as shown in the table below:

---

| | | |
|:---|:---|:---|
| | **2024** | **2023** |
| &nbsp;&nbsp;&nbsp;&nbsp;Synthetic GICs | $1562409 | $1931253 |

---

In addition, the Fund owns units of the Bank of New York Mellon Short-Term Investment Fund, which serves as the Fund's short-term liquidity vehicle, included in the fair value hierarchy table in cash equivalents and short-term investments.

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Notes to Financial Statements

December 31, 2024 and 2023

**(4)**&nbsp;&nbsp;&nbsp;&nbsp;**Fair Value Measurements**

FASB Accounting Standards Codification (ASC) 820, *Fair Value Measurement*, provides a framework for measuring fair value, which provides a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Level 1 – Quoted prices for identical instruments in active markets.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Level 2 – Quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-derived valuations in which all significant inputs and value drivers are observable in the market.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Level 3 – Valuations derived from valuation techniques in which one or more significant inputs or significant value drivers are unobservable.

This hierarchy requires the Plan's management to use observable market data, when available, and to minimize the use of unobservable inputs when determining fair value. As required by ASC 820, assets are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.

The methods described above may produce a fair value measurement that may not be indicative of net realizable value or reflective of future fair values. Furthermore, while the Plan believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different fair value measurement at the reporting date.

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Notes to Financial Statements

December 31, 2024 and 2023

The table below categorizes the Plan's investments by level within the fair value hierarchy as of December 31, 2024.

---

| | | | |
|:---|:---|:---|:---|
| | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
| | **Level 1** | **Level 2** | **Total** |
| Investments, at fair value: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Cash equivalents and short-term investments | $74498 | $55865 | $130363 |
| &nbsp;&nbsp;&nbsp;&nbsp;Collective trust funds |  | 41516419 | 41516419 |
| &nbsp;&nbsp;&nbsp;&nbsp;U.S. equities | 1431406 |  | 1431406 |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-U.S. equities | 1213200 |  | 1213200 |
| &nbsp;&nbsp;&nbsp;&nbsp;Mutual funds and other registered investment companies | 3272059 |  | 3272059 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investments, at fair value | $5991163 | $41572284 | $47563447 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other investment liabilities | $— | $(4932) | $(4932) |

---

The table below categorizes the Plan's investments by level within the fair value hierarchy as of December 31, 2023.

---

| | | | |
|:---|:---|:---|:---|
| | **December 31, 2023** | **December 31, 2023** | **December 31, 2023** |
| | **Level 1** | **Level 2** | **Total** |
| Investments, at fair value: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Cash equivalents and short-term investments | $46803 | $109588 | $156391 |
| &nbsp;&nbsp;&nbsp;&nbsp;Collective trust funds |  | 39554575 | 39554575 |
| &nbsp;&nbsp;&nbsp;&nbsp;U.S. equities | 1593292 |  | 1593292 |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-U.S. equities | 1549092 |  | 1549092 |
| &nbsp;&nbsp;&nbsp;&nbsp;Mutual funds and other registered investment companies | 3194073 |  | 3194073 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investments, at fair value | $6383260 | $39664163 | $46047423 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other investment liabilities | $— | $(42996) | $(42996) |

---

There were no transfers or reclassifications of investments between levels within the fair value hierarchy during the years ended December 31, 2024 and 2023, and there were no changes in valuation methodologies used to measure the fair value of the Plan's investments as of and for the years ended December 31, 2024 and 2023.

**(5)**&nbsp;&nbsp;&nbsp;&nbsp;**Administrative Expenses**

Plan provisions allow for administrative expenses, including, but not limited to, audit fees, custodial and trustee fees, investment manager fees, and recordkeeping fees to be paid by the Plan and allocated to participant accounts. Expenses related to monthly investment service fees and loan fees are charged to participants' investment balances and are reflected in the value of their participant accounts. These expenses are reported in trustee and administrative expenses in the statements of changes in net assets

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Notes to Financial Statements

December 31, 2024 and 2023

available for benefits, or if paid by the investment funds, are included in net appreciation in fair value of investments.

Any expenses not borne by the Plan are paid by the Company.

**(6)**&nbsp;&nbsp;&nbsp;&nbsp;**Risks and Uncertainties**

The Plan invests in a variety of investment securities. Investment securities, in general, are exposed to various risks, such as interest rate, credit, foreign exchange, and overall market volatility risk. Due to the level of risk associated with certain investment securities, it is reasonable to expect that changes in the values of investment securities will occur in the near term and that such changes could materially affect participant account balances and the net assets available for plan benefits.

The Plan's exposure to a concentration of credit risk is limited by the diversification of investments across participant-directed fund elections. Additionally, the investments within each investment fund option are further diversified into varied financial instruments, with the exception of the Citigroup Common Stock Fund, which primarily invests in the securities of a single issuer. At December 31, 2024 and 2023, approximately 2% of the Plan's total investments were invested in Citigroup common stock.

Plan investments include a variety of investments that may directly or indirectly invest in securities with contractual cash flows. The value, liquidity, and related income of these securities are sensitive to changes in economic conditions and may be adversely affected by shifts in the market's perception of the issuers and changes in interest rates.

**(7)**&nbsp;&nbsp;&nbsp;&nbsp;**Party-in-Interest Transactions**

Certain Plan investments are units of the Citigroup Common Stock Fund, which consists of common stock issued by the Company. The Plan's investment in the Citigroup Common Stock Fund was $1.1 million and $0.9 million at December 31, 2024 and 2023, respectively.

The Plan held no direct investments through other investment options in the Company's common stock at December 31, 2024 and 2023. However, certain of the collective trust funds and mutual funds may have invested in Citigroup common stock if consistent with the fund's objective.

At December 31, 2024 and 2023, the Plan held $55,865 and $109,588, respectively, of the Bank of New York Mellon Short-Term Investment Fund. At December 31, 2024 and 2023, the Plan also held through its investment in synthetic GICs valued at $4,355 and $2,205, respectively, of the Bank of New York Mellon Short-Term Investment Fund.

These transactions qualify as exempt party-in-interest transactions.

**(8)**&nbsp;&nbsp;&nbsp;&nbsp;**Tax Status**

The Puerto Rico Department of Treasury (PR Treasury) has determined and informed the Plan by a letter dated September 12, 2014 that the Plan as amended and restated effective January 1, 2012 and related trust are established in accordance with applicable sections of the PRIRC and, therefore, qualify as exempt from taxes under Section 1165(a) of the PRIRC. By letters dated April 29, 2016, the PR Treasury determined and informed the Plan that Amendments 1, 2, and 3 to the Plan meet the applicable requirements of the PRIRC. By letter dated June 2, 2017, the PR Treasury determined and informed the Plan that Amendment 4 to the Plan and the amendment to the Trust Agreement meet the applicable requirements of the PRIRC. On February 5, 2018, the PR Treasury determined and informed the Plan that Amendment 5 to the Plan meets the applicable requirements of the PRIRC. On June 4, 2018, the PR Treasury determined and informed the Plan that Amendment 6 to the Plan meets the applicable requirements of the PRIRC. On July

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Notes to Financial Statements

December 31, 2024 and 2023

11, 2019, the PR Treasury determined and informed the Plan that Amendment 7 to the Plan meets the applicable requirements of the PRIRC. On November 28, 2023, the PR Treasury determined and informed the Plan that Amendment 8 to the Plan meets the applicable requirements of the PRIRC. On November 18, 2024, the PR Treasury determined and informed the Plan that Amendment 9 to the Plan meets the applicable requirements of the PRIRC. On April 15, 2025, the Plan applied to the PR Treasury for a determination that Amendment 10 to the Plan effective as of January 1, 2024 meets the applicable requirements of the PRIRC.

Although the Plan has been amended (Amendment 10) since receiving the above-referenced determination letters, the Plan's management and the Plan's legal counsel believe that the Plan, as amended, continues to be qualified as tax-exempt and continues to operate in compliance with the applicable requirements of the PRIRC. Therefore, no provision for income taxes is included in the Plan's financial statements.

GAAP requires the Plan's management to evaluate tax positions taken by the Plan and recognize a tax liability (or asset) if the Plan has taken an uncertain position that more likely than not would not be sustained upon examination by the Internal Revenue Service. The Plan's management has concluded that, as of December 31, 2024 and 2023, there are no uncertain positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the financial statements.

The Plan is subject to audits by taxing jurisdictions; however, there are currently no audits for any open tax periods in progress. The Company believes the Plan is no longer subject to tax examination for years prior to 2021.

**(9)**&nbsp;&nbsp;&nbsp;&nbsp;**Plan Termination**

Although it has not expressed any intention to do so, the Plan Sponsor reserves the right under the Plan to amend or discontinue its contributions at any time and to amend or terminate the Plan subject to the provisions of ERISA. In the event of Plan termination, either full or partial, all amounts credited to the impacted participants' accounts will become 100% vested and, therefore, will not be subject to forfeiture.

**(10)**&nbsp;&nbsp;&nbsp;&nbsp;**Subsequent Events**

The Plan's management evaluated subsequent events through the date on which the financial statements were issued and determined that, other than those disclosed throughout the financial statements, no additional disclosures were required.

Effective January 1, 2025, Company matching contributions did not exceed the lesser of the participant's contribution or 6% of the participant's eligible compensation up to the Company limits of $200,000.

**(11)**&nbsp;&nbsp;&nbsp;&nbsp;**Reconciliation of Financial Statements to Form 5500**

The following is a reconciliation of amounts reported in the financial statements to amounts reported on Form 5500 as of and for the years ended December 31, 2024 and 2023:

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Notes to Financial Statements

December 31, 2024 and 2023

---

| | | |
|:---|:---|:---|
| | **2024** | **2023** |
| Net assets available for benefits per the financial statements | $50250051 | $49174852 |
| Adjustment from contract value to fair value for fully benefit-responsive investment contracts | (120148) | (135437) |
| Net assets available for benefits per Form 5500 | $50129903 | $49039415 |
| Net increase in net assets available for benefits per the financial statements | $1075199 | $4086450 |
| Prior year adjustment from contract value to fair value for fully benefit-responsive investment contracts | 135437 | 165495 |
| Current year adjustment from contract value to fair value for fully benefit-responsive investment contracts | (120148) | (135437) |
| Net increase in net assets per Form 5500 | $1090488 | $4116508 |

---

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| |<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| | **Cash equivalents and short-term investments:** | | | | | |
| | Australian Dollar | | | | | $2 |
| | Canadian Dollar | | | | | 19 |
| | Euro | | | | | 30 |
| | Hong Kong Dollar | | | | | 17 |
| | Indian Rupee | | | | | 118 |
| | Japanese Yen | | | | | 50 |
| | New Zealand Dollar | | | | | 1 |
| | Norwegian Krone | | | | | 17 |
| | Pound Sterling | | | | | 4 |
| | U.S. Dollar | | | | | 74232 |
| | Vietnam Dong | | | | | 8 |
| \* | Collective U.S. Gov't STIF 15 |  |  |  |  | 55865 |
|  | &nbsp;&nbsp;&nbsp;&nbsp;**Total cash equivalents and short-term investments** |  |  |  |  | $**130363** |
|  | **Collective trust funds:** |  |  |  |  |  |
|  | BlackRock LifePath Index 2030 Fund F |  |  | 28817 |  | $927228 |
|  | BlackRock LifePath Index 2035 Fund F |  |  | 18465 |  | 601346 |
|  | BlackRock LifePath Index 2040 Fund F |  |  | 74386 |  | 2811393 |
|  | BlackRock LifePath Index 2045 Fund F |  |  | 44268 |  | 1635350 |
|  | BlackRock LifePath Index 2050 Fund F |  |  | 50753 |  | 1586876 |
|  | BlackRock LifePath Index 2055 Fund F |  |  | 10630 |  | 435710 |
|  | BlackRock LifePath Index 2060 Fund F |  |  | 1375 |  | 32818 |
|  | BlackRock U.S. Debt Index Fund F |  |  | 140099 |  | 4683232 |
|  | BlackRock LifePath Index Retirement Fund F |  |  | 23523 |  | 627114 |
|  | BlackRock MSCI ACWI ESG Focus Index Fund F |  |  | 8334 |  | 164089 |
|  | BlackRock EAFE Equity Index Fund F |  |  | 77120 |  | 4472540 |
|  | BlackRock Emerging Markets Index Fund F |  |  | 129324 |  | 1740291 |
|  | BlackRock Roll Select Commodity Index Fund F |  |  | 11678 |  | 156636 |
|  | BlackRock Russell 1000 Growth Fund F |  |  | 7869 |  | 627124 |
|  | BlackRock Russell 1000 Value Fund F |  |  | 654 |  | 37450 |
|  | BlackRock Russell 2000 Index Fund F |  |  | 14215 |  | 1060835 |
|  | BlackRock Russell 3000 Index Fund F |  |  | 36263 |  | 4379838 |
|  | BlackRock Mid Capitalization Equity Index Fund F |  |  | 18686 |  | 3038463 |
|  | BlackRock U.S Treasury Inflation Protected Securities Fund F |  |  | 19726 |  | 481615 |
|  | BlackRock Equity Index Fund F |  |  | 92489 |  | 11470181 |
|  | Fidelity FIAM Concentrated Emerging Markets |  |  | 3170 |  | 165964 |
|  | LS CIT Core Plus Fixed Income |  |  | 2861 |  | 47088 |
|  | Schroder Collective Investment Trust |  |  | 20932 |  | 333238 |
|  | **&nbsp;&nbsp;&nbsp;&nbsp; Total collective trust funds** |  |  |  |  | $**41516419** |
|  | **U.S. equities:** |  |  |  |  |  |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| 10X Genomics Inc |  |  | 2 |  | $35 |
| A10 Networks Inc |  |  | 5 |  | 85 |
| Aaon Inc |  |  | 2 |  | 236 |
| Abacus Global Management Inc |  |  | 14 |  | 109 |
| Abercrombie & Fitch Co |  |  | 4 |  | 624 |
| Academy Sports & Outdoors Inc |  |  | 6 |  | 344 |
| Acadia Healthcare Co Inc |  |  | 6 |  | 251 |
| Acadia Pharmaceuticals Inc |  |  | 2 |  | 32 |
| Aci Worldwide Inc |  |  | 3 |  | 179 |
| Adapthealth Corp |  |  | 19 |  | 181 |
| Addus Homecare Corp |  |  | 9 |  | 1139 |
| Adeia Inc |  |  | 30 |  | 419 |
| Adma Biologics Inc |  |  | 8 |  | 137 |
| Adtalem Global Education Inc |  |  | 4 |  | 328 |
| Advanced Energy Industries Inc |  |  | 1 |  | 91 |
| Affiliated Managers Group Inc |  |  | 1 |  | 94 |
| Agilysys Inc |  |  | 7 |  | 912 |
| Agios Pharmaceuticals Inc |  |  | 2 |  | 62 |
| Agree Realty Corp |  |  | 41 |  | 2866 |
| Akero Therapeutics Inc |  |  | 3 |  | 75 |
| Alexandria Real Estate Equitie |  |  | 18 |  | 1709 |
| Allegro Microsystems Inc |  |  | 37 |  | 817 |
| Allison Transmission Holdings |  |  | 2 |  | 187 |
| Alpha Metallurgical Resources |  |  |  |  | 89 |
| American Eagle Outfitters Inc |  |  | 31 |  | 517 |
| American Healthcare Reit Inc |  |  | 8 |  | 241 |
| American Homes 4 Rent |  |  | 42 |  | 1574 |
| American States Water Co |  |  | 5 |  | 410 |
| American Tower Corp |  |  | 7 |  | 1248 |
| Americold Realty Trust Inc |  |  | 5 |  | 100 |
| Ameris Bancorp |  |  | 16 |  | 977 |
| Amicus Therapeutics Inc |  |  | 5 |  | 46 |
| Amphastar Pharmaceuticals Inc |  |  | 6 |  | 230 |
| Api Group Corp |  |  | 8 |  | 291 |
| Applied Industrial Technologie |  |  | 1 |  | 284 |
| Arcbest Corp |  |  |  |  | 19 |
| Arcellx Inc |  |  | 1 |  | 75 |
| Archrock Inc |  |  | 13 |  | 312 |
| Arrow Electronics Inc |  |  | 2 |  | 260 |
| Arvinas Inc |  |  | 3 |  | 57 |
| Asbury Automotive Group Inc |  |  |  |  | 67 |
| Asgn Inc |  |  | 1 |  | 104 |
| Ashland Inc |  |  | 2 |  | 176 |
| Ati Inc |  |  | 5 |  | 248 |
| Atlas Energy Solutions Inc |  |  | 2 |  | 41 |
| Atlassian Corp |  |  | 31 |  | 7590 |
| Atmus Filtration Technologies |  |  | 13 |  | 512 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Aurora Innovation Inc |  |  | 6 |  | 40 |
| Avidity Biosciences Inc |  |  | 4 |  | 121 |
| Avnet Inc |  |  | 11 |  | 558 |
| Axcelis Technologies Inc |  |  | 5 |  | 382 |
| Axos Financial Inc |  |  | 4 |  | 280 |
| Axsome Therapeutics Inc |  |  | 4 |  | 349 |
| Azek Co Inc/The |  |  | 6 |  | 295 |
| Azz Inc |  |  | 3 |  | 238 |
| Badger Meter Inc |  |  | 1 |  | 151 |
| Balchem Corp |  |  | 1 |  | 141 |
| Baldwin Insurance Group Inc/Th |  |  | 7 |  | 259 |
| Bancorp Inc/The |  |  | 3 |  | 165 |
| Beam Therapeutics Inc |  |  | 1 |  | 22 |
| Beazer Homes Usa Inc |  |  | 12 |  | 340 |
| Belden Inc |  |  | 6 |  | 658 |
| Bellring Brands Inc |  |  | 11 |  | 818 |
| Benchmark Electronics Inc |  |  | 5 |  | 233 |
| Bgc Group Inc |  |  | 59 |  | 538 |
| Bj's Wholesale Club Holdings I |  |  | 10 |  | 899 |
| Blackbaud Inc |  |  | 2 |  | 115 |
| Blackline Inc |  |  | 1 |  | 56 |
| Bloomin' Brands Inc |  |  | 2 |  | 28 |
| Blue Owl Capital Corp |  |  | 18 |  | 274 |
| Blue Owl Capital Inc |  |  | 9 |  | 202 |
| Blueprint Medicines Corp |  |  | 2 |  | 168 |
| Boise Cascade Co |  |  | 1 |  | 125 |
| Booz Allen Hamilton Holding Co |  |  | 1 |  | 167 |
| Box Inc |  |  | 4 |  | 113 |
| Boyd Gaming Corp |  |  | 8 |  | 547 |
| Brady Corp |  |  | 4 |  | 270 |
| Braze Inc |  |  | 3 |  | 120 |
| Bridgebio Pharma Inc |  |  | 21 |  | 588 |
| Bright Horizons Family Solutio |  |  | 1 |  | 109 |
| Brinker International Inc |  |  | 1 |  | 99 |
| Brink's Co/The |  |  | 7 |  | 672 |
| Broadridge Financial Solutions |  |  | 1 |  | 129 |
| Brunswick Corp/De |  |  | 1 |  | 49 |
| Builders Firstsource Inc |  |  | 1 |  | 73 |
| Bwx Technologies Inc |  |  | 1 |  | 158 |
| Bxp Inc |  |  | 25 |  | 1830 |
| Byline Bancorp Inc |  |  | 10 |  | 293 |
| Cabot Corp |  |  | 2 |  | 161 |
| Caci International Inc |  |  |  |  | 47 |
| Cactus Inc |  |  | 3 |  | 198 |
| Cadence Bank |  |  | 7 |  | 231 |
| Cadre Holdings Inc |  |  | 2 |  | 51 |
| Caesars Entertainment Inc |  |  | 14 |  | 480 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| |<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| | Caleres Inc | | | 25 | | 572 |
| | Camden Property Trust | | | 17 | | 1921 |
| | Carpenter Technology Corp | | | 1 | | 123 |
| | Cars.Com Inc | | | 26 | | 459 |
| | Carvana Co | | | 1 | | 120 |
| | Casella Waste Systems Inc | | | 2 | | 198 |
| | Casey's General Stores Inc | | |  | | 194 |
| | Castle Biosciences Inc | | | 24 | | 651 |
| | Catalyst Pharmaceuticals Inc | | | 17 | | 354 |
| | Cavco Industries Inc | | |  | | 171 |
| | Cbiz Inc | | | 3 | | 211 |
| | Ccc Intelligent Solutions Hold | | | 24 | | 279 |
| | Celldex Therapeutics Inc | | | 2 | | 62 |
| | Centrus Energy Corp | | | 1 | | 57 |
| | Champion Homes Inc | | | 1 | | 124 |
| | Championx Corp | | | 38 | | 1024 |
| | Charles River Laboratories Int | | |  | | 71 |
| | Chart Industries Inc | | | 11 | | 2011 |
| | Choice Hotels International In | | |  | | 35 |
| | Chord Energy Corp | | | 6 | | 650 |
| | Churchill Downs Inc | | | 1 | | 154 |
| | Cirrus Logic Inc | | | 1 | | 144 |
| \* | Citigroup Inc |  |  | 16072 |  | 1131289 |
|  | Civitas Resources Inc |  |  | 14 |  | 664 |
|  | Clean Harbors Inc |  |  | 1 |  | 202 |
|  | Cleanspark Inc |  |  | 3 |  | 25 |
|  | Clearwater Analytics Holdings |  |  | 24 |  | 649 |
|  | Cno Financial Group Inc |  |  | 21 |  | 786 |
|  | Cnx Resources Corp |  |  | 4 |  | 145 |
|  | Coca-Cola Consolidated Inc |  |  |  |  | 351 |
|  | Collegium Pharmaceutical Inc |  |  | 25 |  | 725 |
|  | Columbia Banking System Inc |  |  | 13 |  | 343 |
|  | Comfort Systems Usa Inc |  |  |  |  | 90 |
|  | Commercial Metals Co |  |  | 27 |  | 1335 |
|  | Commvault Systems Inc |  |  | 2 |  | 285 |
|  | Concentra Group Holdings Paren |  |  | 2 |  | 39 |
|  | Concentrix Corp |  |  | 5 |  | 223 |
|  | Conmed Corp |  |  |  |  | 34 |
|  | Consol Energy Inc |  |  | 1 |  | 103 |
|  | Core & Main Inc |  |  | 1 |  | 36 |
|  | Corvel Corp |  |  | 3 |  | 279 |
|  | Coupang Inc |  |  | 346 |  | 7610 |
|  | Cousins Properties Inc |  |  | 77 |  | 2363 |
|  | Crane Co |  |  | 1 |  | 168 |
|  | Crinetics Pharmaceuticals Inc |  |  | 4 |  | 189 |
|  | Crocs Inc |  |  | 1 |  | 93 |
|  | Csw Industrials Inc |  |  | 1 |  | 294 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Cto Realty Growth Inc |  |  | 17 |  | 344 |
| Cubesmart |  |  | 17 |  | 739 |
| Curtiss-Wright Corp |  |  | 4 |  | 1452 |
| Cytokinetics Inc |  |  | 3 |  | 141 |
| Darling Ingredients Inc |  |  | 17 |  | 587 |
| Deckers Outdoor Corp |  |  | 1 |  | 147 |
| Denali Therapeutics Inc |  |  | 23 |  | 469 |
| Dick's Sporting Goods Inc |  |  | 1 |  | 148 |
| Digital Realty Trust Inc |  |  | 34 |  | 5982 |
| Digitalbridge Group Inc |  |  | 9 |  | 105 |
| Digitalocean Holdings Inc |  |  | 17 |  | 565 |
| Dime Community Bancshares Inc |  |  | 8 |  | 256 |
| Diodes Inc |  |  | 2 |  | 149 |
| Disc Medicine Inc |  |  | 1 |  | 69 |
| Domino's Pizza Inc |  |  |  |  | 84 |
| Donnelley Financial Solutions |  |  | 2 |  | 141 |
| Doubleverify Holdings Inc |  |  | 32 |  | 609 |
| Douglas Emmett Inc |  |  | 70 |  | 1291 |
| Duolingo Inc |  |  | 1 |  | 310 |
| Dycom Industries Inc |  |  | 9 |  | 1508 |
| Dynatrace Inc |  |  | 3 |  | 160 |
| Dyne Therapeutics Inc |  |  | 2 |  | 44 |
| Eagle Materials Inc |  |  | 1 |  | 240 |
| Eastgroup Properties Inc |  |  | 7 |  | 1201 |
| Ecovyst Inc |  |  | 23 |  | 175 |
| Element Solutions Inc |  |  | 12 |  | 303 |
| Elf Beauty Inc |  |  | 1 |  | 145 |
| Emcor Group Inc |  |  |  |  | 155 |
| Empire State Realty Trust Inc |  |  | 58 |  | 600 |
| Employers Holdings Inc |  |  | 4 |  | 214 |
| Enact Holdings Inc |  |  | 10 |  | 314 |
| Encompass Health Corp |  |  | 17 |  | 1543 |
| Endeavor Group Holdings Inc |  |  | 7 |  | 221 |
| Enersys |  |  | 15 |  | 1404 |
| Ensign Group Inc/The |  |  | 3 |  | 366 |
| Entegris Inc |  |  | 7 |  | 714 |
| Eplus Inc |  |  | 1 |  | 51 |
| Equinix Inc |  |  | 9 |  | 8056 |
| Equity Lifestyle Properties In |  |  | 61 |  | 4085 |
| Equity Residential |  |  | 42 |  | 2995 |
| Esab Corp |  |  | 3 |  | 306 |
| Essential Properties Realty Tr |  |  | 43 |  | 1354 |
| Essex Property Trust Inc |  |  | 9 |  | 2638 |
| Euronet Worldwide Inc |  |  | 2 |  | 177 |
| Evolent Health Inc |  |  | 26 |  | 287 |
| Exact Sciences Corp |  |  | 17 |  | 951 |
| Exelixis Inc |  |  | 7 |  | 225 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Exlservice Holdings Inc |  |  | 7 |  | 309 |
| Expand Energy Corp |  |  | 1 |  | 99 |
| Extra Space Storage Inc |  |  | 26 |  | 3920 |
| Extreme Networks Inc |  |  | 2 |  | 41 |
| Fair Isaac Corp |  |  |  |  | 223 |
| Farmland Partners Inc |  |  | 51 |  | 595 |
| Federal Agricultural Mortgage |  |  | 5 |  | 930 |
| Federal Realty Investment Trus |  |  | 21 |  | 2383 |
| Federal Signal Corp |  |  | 3 |  | 257 |
| Ferguson Enterprises Inc |  |  | 33 |  | 5690 |
| First Advantage Corp |  |  | 24 |  | 452 |
| First American Financial Corp |  |  | 6 |  | 348 |
| First Industrial Realty Trust |  |  | 23 |  | 1165 |
| First Merchants Corp |  |  | 18 |  | 715 |
| Firstcash Holdings Inc |  |  | 6 |  | 607 |
| Fluor Corp |  |  | 1 |  | 53 |
| Fnb Corp/Pa |  |  | 65 |  | 959 |
| Forestar Group Inc |  |  | 5 |  | 132 |
| Formfactor Inc |  |  | 2 |  | 97 |
| Fortinet Inc |  |  | 1 |  | 67 |
| Four Corners Property Trust In |  |  | 39 |  | 1069 |
| Frontdoor Inc |  |  | 16 |  | 860 |
| Frontview Reit Inc |  |  | 26 |  | 464 |
| Fti Consulting Inc |  |  | 2 |  | 456 |
| Globus Medical Inc |  |  | 4 |  | 338 |
| Golub Capital Bdc Inc |  |  | 14 |  | 217 |
| Grand Canyon Education Inc |  |  | 5 |  | 798 |
| Granite Construction Inc |  |  | 6 |  | 532 |
| Graphic Packaging Holding Co |  |  | 38 |  | 1034 |
| Green Brick Partners Inc |  |  | 2 |  | 131 |
| Griffon Corp |  |  | 8 |  | 548 |
| Group 1 Automotive Inc |  |  | 1 |  | 581 |
| Gulfport Energy Corp |  |  | 2 |  | 458 |
| Gxo Logistics Inc |  |  | 3 |  | 120 |
| H&R Block Inc |  |  | 3 |  | 171 |
| Hackett Group Inc/The |  |  | 6 |  | 195 |
| Haemonetics Corp |  |  | 7 |  | 533 |
| Halozyme Therapeutics Inc |  |  | 9 |  | 432 |
| Hamilton Lane Inc |  |  | 1 |  | 80 |
| Hancock Whitney Corp |  |  | 8 |  | 426 |
| Healthpeak Properties Inc |  |  | 19 |  | 381 |
| Helix Energy Solutions Group I |  |  | 24 |  | 223 |
| Herc Holdings Inc |  |  |  |  | 59 |
| Heritage Commerce Corp |  |  | 15 |  | 145 |
| Hexcel Corp |  |  | 1 |  | 34 |
| Highwoods Properties Inc |  |  | 13 |  | 383 |
| Hilton Grand Vacations Inc |  |  | 2 |  | 84 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Hims & Hers Health Inc |  |  | 1 |  | 30 |
| Home Bancshares Inc/Ar |  |  | 9 |  | 260 |
| Host Hotels & Resorts Inc |  |  | 56 |  | 989 |
| Huron Consulting Group Inc |  |  | 9 |  | 1162 |
| Ideaya Biosciences Inc |  |  | 2 |  | 63 |
| Immunovant Inc |  |  | 15 |  | 383 |
| Impinj Inc |  |  | 1 |  | 106 |
| Insmed Inc |  |  | 34 |  | 2379 |
| Installed Building Products In |  |  | 2 |  | 272 |
| Interdigital Inc |  |  | 7 |  | 1330 |
| Interparfums Inc |  |  | 1 |  | 71 |
| Intra-Cellular Therapies Inc |  |  | 12 |  | 967 |
| Invitation Homes Inc |  |  | 42 |  | 1333 |
| Ionis Pharmaceuticals Inc |  |  | 3 |  | 118 |
| Ionq Inc |  |  | 2 |  | 70 |
| Iovance Biotherapeutics Inc |  |  | 70 |  | 521 |
| Iridium Communications Inc |  |  | 7 |  | 191 |
| Iron Mountain Inc |  |  | 6 |  | 626 |
| Jamf Holding Corp |  |  | 25 |  | 355 |
| Janus International Group Inc |  |  | 31 |  | 229 |
| Janux Therapeutics Inc |  |  |  |  | 13 |
| Kadant Inc |  |  | 1 |  | 259 |
| Kelly Services Inc |  |  | 18 |  | 253 |
| Kemper Corp |  |  | 4 |  | 259 |
| Kimco Realty Corp |  |  | 118 |  | 2773 |
| Kinsale Capital Group Inc |  |  |  |  | 36 |
| Kirby Corp |  |  | 1 |  | 131 |
| Kite Realty Group Trust |  |  | 28 |  | 702 |
| Knife River Corp |  |  | 2 |  | 232 |
| Kosmos Energy Ltd |  |  | 49 |  | 167 |
| Krystal Biotech Inc |  |  | 1 |  | 86 |
| Kulicke & Soffa Industries Inc |  |  | 1 |  | 34 |
| Kymera Therapeutics Inc |  |  | 3 |  | 122 |
| Ladder Capital Corp |  |  | 32 |  | 361 |
| Lamar Advertising Co |  |  | 5 |  | 621 |
| Landstar System Inc |  |  |  |  | 77 |
| Lantheus Holdings Inc |  |  | 7 |  | 616 |
| Laureate Education Inc |  |  | 37 |  | 684 |
| Lazard Inc |  |  | 26 |  | 1356 |
| Lemaitre Vascular Inc |  |  | 1 |  | 105 |
| Leonardo Drs Inc |  |  | 3 |  | 106 |
| Liberty Energy Inc |  |  | 4 |  | 73 |
| Liberty Media Corp-Liberty Liv |  |  | 2 |  | 158 |
| Life Time Group Holdings Inc |  |  | 42 |  | 928 |
| Lifestance Health Group Inc |  |  | 61 |  | 447 |
| Light & Wonder Inc |  |  | 3 |  | 271 |
| Lincoln Electric Holdings Inc |  |  | 1 |  | 132 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Lincoln National Corp |  |  | 33 |  | 1048 |
| Lindblad Expeditions Holdings |  |  | 26 |  | 310 |
| Linde Plc |  |  | 8 |  | 3377 |
| Littelfuse Inc |  |  |  |  | 44 |
| Liveramp Holdings Inc |  |  | 9 |  | 283 |
| Loar Holdings Inc |  |  |  |  | 36 |
| Louisiana-Pacific Corp |  |  | 8 |  | 878 |
| Ltc Properties Inc |  |  | 15 |  | 520 |
| Lulu's Fashion Lounge Holdings |  |  | 39 |  | 44 |
| Macom Technology Solutions Hol |  |  | 2 |  | 248 |
| Madrigal Pharmaceuticals Inc |  |  |  |  | 99 |
| Magnite Inc |  |  | 45 |  | 718 |
| Manhattan Associates Inc |  |  | 1 |  | 217 |
| Mara Holdings Inc |  |  | 5 |  | 86 |
| Matador Resources Co |  |  | 3 |  | 183 |
| Matson Inc |  |  | 2 |  | 232 |
| Mattel Inc |  |  | 8 |  | 146 |
| Medical Properties Trust Inc |  |  | 60 |  | 236 |
| Medpace Holdings Inc |  |  |  |  | 88 |
| Mercadolibre Inc |  |  | 6 |  | 10987 |
| Merchants Bancorp/In |  |  | 4 |  | 156 |
| Merit Medical Systems Inc |  |  | 3 |  | 293 |
| Meritage Homes Corp |  |  | 2 |  | 344 |
| Microstrategy Inc |  |  |  |  | 77 |
| Mid-America Apartment Communit |  |  | 17 |  | 2612 |
| Mirum Pharmaceuticals Inc |  |  | 2 |  | 64 |
| Mks Instruments Inc |  |  | 1 |  | 121 |
| Modine Manufacturing Co |  |  | 15 |  | 1751 |
| Molina Healthcare Inc |  |  |  |  | 91 |
| Monolithic Power Systems Inc |  |  |  |  | 56 |
| Monte Rosa Therapeutics Inc |  |  | 3 |  | 20 |
| Moog Inc |  |  |  |  | 26 |
| Mp Materials Corp |  |  | 9 |  | 141 |
| Mr Cooper Group Inc |  |  | 3 |  | 264 |
| Msa Safety Inc |  |  | 1 |  | 106 |
| Mueller Industries Inc |  |  | 1 |  | 65 |
| Mueller Water Products Inc |  |  | 48 |  | 1080 |
| Murphy Usa Inc |  |  | 1 |  | 462 |
| Myr Group Inc |  |  | 6 |  | 912 |
| Natera Inc |  |  | 12 |  | 1924 |
| National Bank Holdings Corp |  |  | 9 |  | 380 |
| Neurocrine Biosciences Inc |  |  | 1 |  | 108 |
| Newmark Group Inc |  |  | 49 |  | 628 |
| Nexstar Media Group Inc |  |  | 4 |  | 661 |
| Nextracker Inc |  |  | 1 |  | 36 |
| Nnn Reit Inc |  |  | 46 |  | 1866 |
| Northeast Bank |  |  | 3 |  | 282 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Npk International Inc |  |  | 24 |  | 181 |
| Nurix Therapeutics Inc |  |  | 3 |  | 51 |
| Nutanix Inc |  |  | 4 |  | 233 |
| Nuvalent Inc |  |  | 1 |  | 94 |
| Oceanfirst Financial Corp |  |  | 10 |  | 190 |
| Olaplex Holdings Inc |  |  | 95 |  | 164 |
| Old National Bancorp/In |  |  | 19 |  | 410 |
| Olin Corp |  |  | 3 |  | 101 |
| Ollie's Bargain Outlet Holding |  |  | 1 |  | 92 |
| Onemain Holdings Inc |  |  | 11 |  | 599 |
| Onto Innovation Inc |  |  | 2 |  | 301 |
| Option Care Health Inc |  |  | 7 |  | 156 |
| Ormat Technologies Inc |  |  | 1 |  | 48 |
| Oscar Health Inc |  |  | 4 |  | 55 |
| Osi Systems Inc |  |  | 3 |  | 565 |
| Outfront Media Inc |  |  | 28 |  | 498 |
| Palomar Holdings Inc |  |  | 2 |  | 186 |
| Parsons Corp |  |  | 12 |  | 1131 |
| Patrick Industries Inc |  |  | 2 |  | 144 |
| Patterson-Uti Energy Inc |  |  | 53 |  | 439 |
| Paylocity Holding Corp |  |  | 1 |  | 168 |
| Payoneer Global Inc |  |  | 30 |  | 305 |
| Peapack-Gladstone Financial Co |  |  | 8 |  | 240 |
| Pediatrix Medical Group Inc |  |  | 19 |  | 247 |
| Pegasystems Inc |  |  | 1 |  | 79 |
| Pennymac Financial Services In |  |  | 5 |  | 487 |
| Penumbra Inc |  |  | 1 |  | 158 |
| Perdoceo Education Corp |  |  | 17 |  | 442 |
| Performance Food Group Co |  |  | 17 |  | 1466 |
| Permian Resources Corp |  |  | 10 |  | 138 |
| Photronics Inc |  |  | 14 |  | 341 |
| Pinnacle Financial Partners In |  |  | 9 |  | 1074 |
| Pliant Therapeutics Inc |  |  | 2 |  | 32 |
| Pool Corp |  |  |  |  | 47 |
| Portland General Electric Co |  |  | 22 |  | 969 |
| Post Holdings Inc |  |  | 2 |  | 248 |
| Praxis Precision Medicines Inc |  |  | 1 |  | 61 |
| Preferred Bank/Los Angeles Ca |  |  | 5 |  | 457 |
| Prestige Consumer Healthcare I |  |  | 2 |  | 122 |
| Pricesmart Inc |  |  | 5 |  | 445 |
| Primerica Inc |  |  |  |  | 125 |
| Primoris Services Corp |  |  | 7 |  | 536 |
| Privia Health Group Inc |  |  | 48 |  | 935 |
| Procept Biorobotics Corp |  |  |  |  | 25 |
| Progress Software Corp |  |  | 16 |  | 1053 |
| Prologis Inc |  |  | 73 |  | 7759 |
| Ptc Inc |  |  | 1 |  | 239 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Ptc Therapeutics Inc |  |  | 2 |  | 87 |
| Public Storage |  |  | 4 |  | 1266 |
| Pure Storage Inc |  |  |  |  | 27 |
| Pvh Corp |  |  | 8 |  | 871 |
| Q2 Holdings Inc |  |  | 3 |  | 304 |
| Qualys Inc |  |  | 1 |  | 85 |
| Quanex Building Products Corp |  |  | 28 |  | 678 |
| Qxo Building Products Inc |  |  | 9 |  | 868 |
| Radnet Inc |  |  | 18 |  | 1239 |
| Rambus Inc |  |  | 8 |  | 399 |
| Range Resources Corp |  |  | 3 |  | 117 |
| Rayonier Inc |  |  | 46 |  | 1208 |
| Rbc Bearings Inc |  |  |  |  | 140 |
| Realty Income Corp |  |  | 17 |  | 929 |
| Red Rock Resorts Inc |  |  | 1 |  | 45 |
| Redwood Trust Inc |  |  | 37 |  | 245 |
| Regal Rexnord Corp |  |  | 8 |  | 1204 |
| Regency Centers Corp |  |  | 20 |  | 1458 |
| Reliance Worldwide Corp Ltd |  |  | 42 |  | 131 |
| Remitly Global Inc |  |  | 36 |  | 820 |
| Repligen Corp |  |  | 1 |  | 139 |
| Replimune Group Inc |  |  | 9 |  | 109 |
| Resideo Technologies Inc |  |  | 10 |  | 227 |
| Revolution Medicines Inc |  |  | 2 |  | 98 |
| Rexford Industrial Realty Inc |  |  | 61 |  | 2367 |
| Rhythm Pharmaceuticals Inc |  |  | 1 |  | 55 |
| Rli Corp |  |  | 1 |  | 114 |
| Rlj Lodging Trust |  |  | 58 |  | 588 |
| Rocket Lab Usa Inc |  |  | 2 |  | 61 |
| Rocket Pharmaceuticals Inc |  |  | 2 |  | 21 |
| Rpm International Inc |  |  | 2 |  | 234 |
| Rush Street Interactive Inc |  |  | 9 |  | 123 |
| Ryan Specialty Holdings Inc |  |  | 1 |  | 75 |
| Ryman Hospitality Properties I |  |  | 7 |  | 708 |
| Saia Inc |  |  | 1 |  | 270 |
| Sba Communications Corp |  |  | 7 |  | 1367 |
| Scholar Rock Holding Corp |  |  | 3 |  | 146 |
| Select Medical Holdings Corp |  |  | 3 |  | 55 |
| Select Water Solutions Inc |  |  | 21 |  | 278 |
| Servicetitan Inc |  |  | 2 |  | 207 |
| Shift4 Payments Inc |  |  | 2 |  | 237 |
| Simon Property Group Inc |  |  | 12 |  | 2063 |
| Simply Good Foods Co/The |  |  | 13 |  | 510 |
| Simpson Manufacturing Co Inc |  |  | 2 |  | 249 |
| Siteone Landscape Supply Inc |  |  | 2 |  | 226 |
| Sitime Corp |  |  | 5 |  | 1007 |
| Six Flags Entertainment Corp |  |  | 7 |  | 318 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Skyward Specialty Insurance Gr |  |  | 4 |  | 199 |
| Slm Corp |  |  | 49 |  | 1340 |
| Soleno Therapeutics Inc |  |  | 1 |  | 26 |
| Southstate Corp |  |  | 3 |  | 252 |
| Southwest Gas Holdings Inc |  |  | 15 |  | 1070 |
| Springworks Therapeutics Inc |  |  | 22 |  | 799 |
| Sprout Social Inc |  |  | 18 |  | 548 |
| Sprouts Farmers Market Inc |  |  | 4 |  | 517 |
| Sps Commerce Inc |  |  | 1 |  | 252 |
| Spx Technologies Inc |  |  | 9 |  | 1248 |
| Stag Industrial Inc |  |  | 37 |  | 1263 |
| Stagwell Inc |  |  | 33 |  | 218 |
| Sterling Infrastructure Inc |  |  | 8 |  | 1318 |
| Steven Madden Ltd |  |  | 10 |  | 444 |
| Stifel Financial Corp |  |  | 11 |  | 1128 |
| Stonex Group Inc |  |  | 6 |  | 549 |
| Stride Inc |  |  | 13 |  | 1316 |
| Summit Materials Inc |  |  | 24 |  | 1202 |
| Sun Communities Inc |  |  | 20 |  | 2505 |
| Taylor Morrison Home Corp |  |  | 30 |  | 1829 |
| Td Synnex Corp |  |  | 7 |  | 813 |
| Tegna Inc |  |  | 25 |  | 456 |
| Teledyne Technologies Inc |  |  | 1 |  | 284 |
| Tenable Holdings Inc |  |  | 2 |  | 77 |
| Tenet Healthcare Corp |  |  | 2 |  | 268 |
| Texas Roadhouse Inc |  |  | 1 |  | 194 |
| Tg Therapeutics Inc |  |  | 1 |  | 27 |
| Thryv Holdings Inc |  |  | 2 |  | 27 |
| Tko Group Holdings Inc |  |  | 18 |  | 2574 |
| Topbuild Corp |  |  | 1 |  | 194 |
| Toro Co/The |  |  | 1 |  | 101 |
| Transmedics Group Inc |  |  | 1 |  | 64 |
| Travel + Leisure Co |  |  | 1 |  | 69 |
| Trex Co Inc |  |  | 1 |  | 90 |
| Trinet Group Inc |  |  | 1 |  | 83 |
| Ufp Industries Inc |  |  | 2 |  | 247 |
| Ufp Technologies Inc |  |  | 1 |  | 181 |
| Ultra Clean Holdings Inc |  |  | 11 |  | 394 |
| Ultragenyx Pharmaceutical Inc |  |  | 3 |  | 115 |
| Umb Financial Corp |  |  | 14 |  | 1589 |
| United Parks & Resorts Inc |  |  | 1 |  | 52 |
| Universal Corp/Va |  |  | 5 |  | 252 |
| Universal Health Services Inc |  |  | 2 |  | 343 |
| Upwork Inc |  |  | 14 |  | 228 |
| Urban Edge Properties |  |  | 27 |  | 580 |
| Utz Brands Inc |  |  | 13 |  | 201 |
| Valmont Industries Inc |  |  | 1 |  | 345 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Valvoline Inc |  |  | 3 |  | 92 |
| Varonis Systems Inc |  |  | 32 |  | 1413 |
| Vaxcyte Inc |  |  | 5 |  | 443 |
| Veeco Instruments Inc |  |  | 2 |  | 50 |
| Ventas Inc |  |  | 71 |  | 4191 |
| Vera Therapeutics Inc |  |  | 3 |  | 120 |
| Verint Systems Inc |  |  | 10 |  | 262 |
| Verra Mobility Corp |  |  | 40 |  | 972 |
| Vertex Inc |  |  | 13 |  | 679 |
| Vertiv Holdings Co |  |  | 2 |  | 253 |
| Vesync Co Ltd |  |  | 301 |  | 205 |
| Viking Therapeutics Inc |  |  | 11 |  | 436 |
| Viper Energy Inc |  |  | 23 |  | 1139 |
| Vishay Intertechnology Inc |  |  | 34 |  | 568 |
| Visteon Corp |  |  | 1 |  | 119 |
| Vital Farms Inc |  |  | 21 |  | 786 |
| Vontier Corp |  |  | 6 |  | 227 |
| Vornado Realty Trust |  |  | 22 |  | 919 |
| Voya Financial Inc |  |  | 6 |  | 428 |
| Warrior Met Coal Inc |  |  | 2 |  | 93 |
| Watsco Inc |  |  |  |  | 88 |
| Watts Water Technologies Inc |  |  | 1 |  | 261 |
| Webster Financial Corp |  |  | 13 |  | 694 |
| Welltower Inc |  |  | 22 |  | 2797 |
| Wesco International Inc |  |  | 7 |  | 1283 |
| West Pharmaceutical Services I |  |  |  |  | 66 |
| Weyerhaeuser Co |  |  | 49 |  | 1369 |
| Willscot Holdings Corp |  |  | 5 |  | 166 |
| Wingstop Inc |  |  | 1 |  | 328 |
| Wintrust Financial Corp |  |  | 15 |  | 1809 |
| Woodward Inc |  |  | 2 |  | 305 |
| World Kinect Corp |  |  | 33 |  | 896 |
| Wynn Resorts Ltd |  |  | 1 |  | 73 |
| Xencor Inc |  |  | 4 |  | 86 |
| Xpo Inc |  |  | 1 |  | 116 |
| Yum China Holdings Inc |  |  | 35 |  | 1691 |
| Zebra Technologies Corp |  |  |  |  | 154 |
| Zions Bancorp Na |  |  | 7 |  | 363 |
| Zurn Elkay Water Solutions Cor |  |  | 29 |  | 1084 |
| **&nbsp;&nbsp;&nbsp;&nbsp; Total U.S. equities** |  |  |  |  | $**1431406** |
| **Non-U.S. equities:** |  |  |  |  |  |
| 3I Group Plc |  |  | 319 |  | $14240 |
| A2 Milk Co Ltd/The |  |  | 17 |  | 61 |
| A2A Spa |  |  | 74 |  | 163 |
| Aalberts Nv |  |  | 5 |  | 163 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Abb India Ltd |  |  | 10 |  | 811 |
| Abb Ltd |  |  | 100 |  | 5396 |
| Abc-Mart Inc |  |  | 7 |  | 137 |
| Academedia Ab |  |  | 60 |  | 365 |
| Accelleron Industries Ag |  |  | 14 |  | 697 |
| Accton Technology Corp |  |  | 50 |  | 1170 |
| Adastria Co Ltd |  |  | 3 |  | 71 |
| Adentra Inc |  |  | 10 |  | 254 |
| Adesso Se |  |  | 1 |  | 101 |
| Adriatic Metals Plc |  |  | 131 |  | 315 |
| Ad-Sol Nissin Corp |  |  | 2 |  | 31 |
| Adways Inc |  |  | 9 |  | 16 |
| Adyen Nv |  |  | 5 |  | 8071 |
| Aedas Homes Sa |  |  | 17 |  | 462 |
| Aeris Resources Ltd |  |  | 215 |  | 23 |
| Agl Energy Ltd |  |  | 86 |  | 599 |
| Aia Group Ltd |  |  | 1669 |  | 12097 |
| Aib Group Plc |  |  | 568 |  | 3132 |
| Aic Mines Ltd |  |  | 83 |  | 17 |
| Aiful Corp |  |  | 188 |  | 405 |
| Ai-Media Technologies Ltd |  |  | 21 |  | 11 |
| Air Liquide Sa |  |  | 67 |  | 10891 |
| Airtac International Group |  |  | 4 |  | 110 |
| Aj Bell Plc |  |  | 66 |  | 374 |
| Aker Solutions Asa |  |  | 159 |  | 436 |
| Aldar Properties Pjsc |  |  | 291 |  | 608 |
| Aldrees Petroleum And Transpor |  |  | 12 |  | 396 |
| Alfa Financial Software Holdin |  |  | 99 |  | 266 |
| Alimak Group Ab |  |  | 9 |  | 98 |
| Alk-Abello A/S |  |  | 3 |  | 74 |
| Alkane Resources Ltd |  |  | 318 |  | 100 |
| Alkermes Plc |  |  | 5 |  | 155 |
| All Ring Tech Co Ltd |  |  | 32 |  | 393 |
| Alligo Ab |  |  | 2 |  | 22 |
| Alphamin Resources Corp |  |  | 179 |  | 133 |
| Alphapolis Co Ltd |  |  | 4 |  | 28 |
| Als Ltd |  |  | 13 |  | 122 |
| Alzchem Group Ag |  |  | 1 |  | 31 |
| Amada Co Ltd |  |  | 4 |  | 44 |
| Amadeus It Group Sa |  |  | 128 |  | 9039 |
| Amano Corp |  |  | 7 |  | 198 |
| Amaze Co Ltd |  |  | 1 |  | 10 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Ambea Ab |  |  | 102 |  | 890 |
| Amplifon Spa |  |  | 25 |  | 646 |
| Ams-Osram Ag |  |  | 6 |  | 39 |
| Amvis Holdings Inc |  |  | 14 |  | 64 |
| Anest Iwata Corp |  |  | 3 |  | 29 |
| Anritsu Corp |  |  | 20 |  | 180 |
| Aon Plc |  |  | 31 |  | 11105 |
| Apollo Hospitals Enterprise Lt |  |  | 13 |  | 1075 |
| Arca Continental Sab De Cv |  |  | 394 |  | 3270 |
| Arcadis Nv |  |  | 7 |  | 452 |
| Arch Capital Group Ltd |  |  | 95 |  | 8798 |
| Archosaur Games Inc |  |  | 357 |  | 65 |
| Arcos Dorados Holdings Inc |  |  | 15 |  | 108 |
| Arena Reit |  |  | 18 |  | 44 |
| Ariston Holding Nv |  |  | 25 |  | 89 |
| Aritzia Inc |  |  | 12 |  | 432 |
| Arjo Ab |  |  | 3 |  | 10 |
| Aroa Biosurgery Ltd |  |  | 31 |  | 15 |
| Ascendis Pharma A/S |  |  |  |  | 28 |
| Asia Commercial Bank Jsc |  |  | 283 |  | 286 |
| Asia Vital Components Co Ltd |  |  | 38 |  | 720 |
| Askul Corp |  |  | 13 |  | 141 |
| Asm International Nv |  |  | 11 |  | 6333 |
| Asml Holding Nv |  |  | 11 |  | 7551 |
| Aspeed Technology Inc |  |  | 7 |  | 680 |
| Assured Guaranty Ltd |  |  | 8 |  | 757 |
| Astral Ltd |  |  | 12 |  | 229 |
| Astrazeneca Plc |  |  | 78 |  | 10224 |
| Atkinsrealis Group Inc |  |  | 10 |  | 513 |
| Atour Lifestyle Holdings Ltd |  |  | 19 |  | 500 |
| Atrenew Inc |  |  | 15 |  | 44 |
| Ats Corporation |  |  | 6 |  | 176 |
| Attendo Ab |  |  | 20 |  | 93 |
| Aucnet Inc |  |  | 3 |  | 56 |
| Auction Technology Group Plc |  |  | 60 |  | 417 |
| Audiocodes Ltd |  |  | 3 |  | 26 |
| Aurelia Metals Ltd |  |  | 461 |  | 48 |
| Australian Clinical Labs Ltd |  |  | 16 |  | 33 |
| Autohome Inc |  |  | 84 |  | 2167 |
| Avant Group Corp |  |  | 9 |  | 115 |
| Avanza Bank Holding Ab |  |  | 2 |  | 52 |
| Avio Spa |  |  | 11 |  | 152 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Awa Bank Ltd/The |  |  | 5 |  | 93 |
| Axalta Coating Systems Ltd |  |  | 6 |  | 216 |
| Axis Capital Holdings Ltd |  |  | 13 |  | 1179 |
| Aya Gold & Silver Inc |  |  | 5 |  | 35 |
| Ayala Land Inc |  |  | 757 |  | 343 |
| B&S Group Sarl |  |  | 15 |  | 66 |
| Bae Systems Plc |  |  | 509 |  | 7327 |
| Baioo Family Interactive Ltd |  |  | 276 |  | 9 |
| Bakkavor Group Plc |  |  | 36 |  | 66 |
| Balfour Beatty Plc |  |  | 8 |  | 46 |
| Baltic Classifieds Group Plc |  |  | 55 |  | 219 |
| Banca Generali Spa |  |  | 4 |  | 182 |
| Banca Mediolanum Spa |  |  | 68 |  | 812 |
| Banca Sistema Spa |  |  | 35 |  | 46 |
| Banco Btg Pactual Sa |  |  | 98 |  | 430 |
| Banco Comercial Portugues Sa |  |  | 65 |  | 31 |
| Banco Macro Sa |  |  | 6 |  | 579 |
| Bandai Namco Holdings Inc |  |  | 163 |  | 3924 |
| Bang & Olufsen A/S |  |  | 3 |  | 4 |
| Bank Central Asia Tbk Pt |  |  | 6782 |  | 4077 |
| Bank Mandiri Persero Tbk Pt |  |  | 12446 |  | 4408 |
| Bank Of Iwate Ltd/The |  |  | 6 |  | 115 |
| Bankinter Sa |  |  | 425 |  | 3362 |
| Baudroie Inc |  |  |  |  | 10 |
| Bawag Group Ag |  |  | 33 |  | 2779 |
| Bbb Foods Inc |  |  | 21 |  | 580 |
| Bdo Unibank Inc |  |  | 389 |  | 967 |
| Beauty Garage Inc |  |  | 3 |  | 22 |
| Beiersdorf Ag |  |  | 43 |  | 5581 |
| Beijer Ref Ab |  |  | 13 |  | 196 |
| Beijing Huafeng Test & Control |  |  | 7 |  | 96 |
| Belimo Holding Ag |  |  | 1 |  | 802 |
| Bell Financial Group Ltd |  |  | 14 |  | 11 |
| Bell System24 Holdings Inc |  |  | 7 |  | 53 |
| Beneteau Saca |  |  | 20 |  | 182 |
| Best Pacific International Hol |  |  | 122 |  | 48 |
| Bff Bank Spa |  |  | 18 |  | 172 |
| Bharat Electronics Ltd |  |  | 408 |  | 1398 |
| Bharti Airtel Ltd |  |  | 87 |  | 1608 |
| Bicycle Therapeutics Plc |  |  | 8 |  | 113 |
| Bid Corp Ltd |  |  | 19 |  | 437 |
| Bidvest Group Ltd |  |  | 38 |  | 528 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Big Yellow Group Plc |  |  | 20 |  | 239 |
| Bim Birlesik Magazalar As |  |  | 43 |  | 638 |
| Biohaven Ltd |  |  | 4 |  | 139 |
| Biprogy Inc |  |  | 11 |  | 347 |
| Blue Star Ltd |  |  | 40 |  | 1001 |
| Boc Aviation Ltd |  |  | 21 |  | 165 |
| Bosideng International Holding |  |  | 393 |  | 196 |
| Bossard Holding Ag |  |  | 1 |  | 128 |
| Bper Banca Spa |  |  | 96 |  | 612 |
| Bravida Holding Ab |  |  | 28 |  | 202 |
| Bravura Solutions Ltd |  |  | 204 |  | 284 |
| Bredband2 I Skandinavien Ab |  |  | 229 |  | 41 |
| Brenntag Se |  |  | 72 |  | 4342 |
| Bridgepoint Group Plc |  |  | 71 |  | 320 |
| Brp Inc |  |  | 2 |  | 108 |
| Bukit Sembawang Estates Ltd |  |  | 3 |  | 8 |
| Bunka Shutter Co Ltd |  |  | 12 |  | 143 |
| Bureau Veritas Sa |  |  | 222 |  | 6751 |
| Business Brain Showa-Ota Inc |  |  | 2 |  | 29 |
| Business Engineering Corp |  |  | 1 |  | 20 |
| Bw Lpg Ltd |  |  | 41 |  | 457 |
| Byd Co Ltd |  |  | 45 |  | 1550 |
| Cairn Homes Plc |  |  | 271 |  | 655 |
| Cairo Communication Spa |  |  | 18 |  | 47 |
| Caltagirone Spa |  |  | 3 |  | 19 |
| Camtek Ltd/Israel |  |  | 1 |  | 57 |
| Camurus Ab |  |  | 4 |  | 198 |
| Canadian National Railway Co |  |  | 36 |  | 3646 |
| Canadian Natural Resources Ltd |  |  | 168 |  | 5181 |
| Canadian Pacific Kansas City L |  |  | 121 |  | 8785 |
| Capgemini Se |  |  | 60 |  | 9882 |
| Capitec Bank Holdings Ltd |  |  | 12 |  | 2008 |
| Capral Ltd |  |  | 3 |  | 16 |
| Capricorn Metals Ltd |  |  | 10 |  | 38 |
| Care Reit Plc |  |  | 59 |  | 60 |
| Carel Industries Spa |  |  | 14 |  | 265 |
| Carlsberg As |  |  | 37 |  | 3567 |
| Carnival Plc |  |  | 4 |  | 91 |
| Carpenter Tan Holdings Ltd |  |  | 40 |  | 30 |
| Cedar Woods Properties Ltd |  |  | 10 |  | 34 |
| Cellavision Ab |  |  | 2 |  | 30 |
| Cellebrite Di Ltd |  |  | 30 |  | 651 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Central Depository Services In |  |  | 46 |  | 948 |
| Central Glass Co Ltd |  |  | 9 |  | 199 |
| Central Security Patrols Co Lt |  |  | 3 |  | 49 |
| Cg Power & Industrial Solution |  |  | 66 |  | 559 |
| Champion Reit |  |  | 145 |  | 32 |
| Channel Infrastructure Nz Ltd |  |  | 41 |  | 43 |
| Check Point Software Technolog |  |  | 19 |  | 3609 |
| Chikaranomoto Holdings Co Ltd |  |  | 5 |  | 29 |
| China Leon Inspection Holding |  |  | 400 |  | 112 |
| China Merchants Commercial Rea |  |  | 111 |  | 17 |
| China Oilfield Services Ltd |  |  | 79 |  | 165 |
| China Resources Gas Group Ltd |  |  | 65 |  | 256 |
| China Resources Mixc Lifestyle |  |  | 121 |  | 448 |
| China Xinhua Education Group L |  |  | 430 |  | 40 |
| Chroma Ate Inc |  |  | 61 |  | 763 |
| Ci Financial Inc |  |  | 5 |  | 103 |
| Ci&T Inc |  |  | 29 |  | 177 |
| Cicor Technologies Ltd |  |  | 1 |  | 73 |
| Cie De Saint-Gobain Sa |  |  | 84 |  | 7426 |
| Cie Financiere Richemont Sa |  |  | 65 |  | 9941 |
| Cie Generale Des Etablissement |  |  | 82 |  | 2695 |
| Cimb Group Holdings Bhd |  |  | 430 |  | 789 |
| Civmec Australia Ltd |  |  | 126 |  | 100 |
| Clas Ohlson Ab |  |  | 43 |  | 814 |
| Clicks Group Ltd |  |  | 38 |  | 756 |
| Cmc Markets Plc |  |  | 91 |  | 284 |
| Cnooc Energy Technology & Serv |  |  | 356 |  | 208 |
| Cochlear Ltd |  |  | 1 |  | 143 |
| Codan Ltd |  |  | 23 |  | 225 |
| Coface Sa |  |  | 11 |  | 165 |
| Cogeco Inc |  |  | 1 |  | 44 |
| Cognyte Software Ltd |  |  | 38 |  | 327 |
| Cogstate Ltd |  |  | 17 |  | 11 |
| Colopl Inc |  |  | 9 |  | 27 |
| Columbus A/S |  |  | 15 |  | 21 |
| Compass Group Plc |  |  | 453 |  | 15090 |
| Computer Age Management Servic |  |  | 13 |  | 746 |
| Comture Corp |  |  | 2 |  | 31 |
| Continental Ag |  |  | 93 |  | 6247 |
| Convatec Group Plc |  |  | 68 |  | 188 |
| Coor Service Management Holdin |  |  | 18 |  | 55 |
| Core Corp |  |  | 3 |  | 38 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Corp Inmobiliaria Vesta Sab De |  |  | 216 |  | 585 |
| Cosmo Pharmaceuticals Nv |  |  | 1 |  | 44 |
| Costain Group Plc |  |  | 253 |  | 335 |
| Coveo Solutions Inc |  |  | 16 |  | 69 |
| Craftsman Automation Ltd |  |  | 1 |  | 39 |
| Credicorp Ltd |  |  | 3 |  | 485 |
| Creditaccess Grameen Ltd |  |  | 13 |  | 131 |
| Credo Technology Group Holding |  |  | 28 |  | 1869 |
| Crh Plc |  |  | 27 |  | 2522 |
| Croda International Plc |  |  | 80 |  | 3375 |
| Cromwell Property Group |  |  | 63 |  | 15 |
| Cts Co Ltd |  |  | 12 |  | 71 |
| Cummins India Ltd |  |  | 12 |  | 452 |
| Cyberagent Inc |  |  | 35 |  | 241 |
| Daetwyler Holding Ag |  |  |  |  | 70 |
| Daicel Corp |  |  | 16 |  | 146 |
| Daiei Kankyo Co Ltd |  |  | 13 |  | 232 |
| Dai-Ichi Cutter Kogyo Kk |  |  | 4 |  | 38 |
| Daiichikosho Co Ltd |  |  | 4 |  | 48 |
| Daikin Industries Ltd |  |  | 34 |  | 4059 |
| Daishinku Corp |  |  | 4 |  | 13 |
| Daiwa Industries Ltd |  |  | 3 |  | 26 |
| Daiwabo Holdings Co Ltd |  |  | 12 |  | 231 |
| Dassault Systemes Se |  |  | 60 |  | 2068 |
| Dbs Group Holdings Ltd |  |  | 144 |  | 4610 |
| Deceuninck Nv |  |  | 51 |  | 128 |
| Definity Financial Corp |  |  | 9 |  | 369 |
| Delta Electronics Inc |  |  | 102 |  | 1339 |
| Delta Israel Brands Ltd |  |  | 2 |  | 41 |
| Denso Corp |  |  | 303 |  | 4266 |
| Dentalcorp Holdings Ltd |  |  | 20 |  | 116 |
| Descartes Sys Group Inc |  |  | 5 |  | 536 |
| Descartes Systems Group Inc/Th |  |  | 3 |  | 344 |
| Deutsche Boerse Ag |  |  | 32 |  | 7352 |
| Dexerials Corp |  |  | 3 |  | 45 |
| Dfds A/S |  |  | 13 |  | 236 |
| Dgl Group Ltd/Au |  |  | 90 |  | 32 |
| Diageo Plc |  |  | 106 |  | 3355 |
| Digital Hearts Holdings Co Ltd |  |  | 3 |  | 14 |
| Dip Corp |  |  | 14 |  | 230 |
| Diploma Plc |  |  | 3 |  | 145 |
| Divi's Laboratories Ltd |  |  | 8 |  | 583 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Dixon Technologies India Ltd |  |  | 12 |  | 2459 |
| Dksh Holding Ag |  |  | 5 |  | 345 |
| Docebo Inc |  |  | 1 |  | 29 |
| Domino's Pizza Enterprises Ltd |  |  | 3 |  | 50 |
| Dong-E-E-Jiao Co Ltd |  |  | 48 |  | 416 |
| Dorel Industries Inc |  |  | 2 |  | 5 |
| Double Standard Inc |  |  | 3 |  | 30 |
| Dr Sulaiman Al Habib Medical S |  |  | 6 |  | 411 |
| Dream International Ltd |  |  | 107 |  | 68 |
| Dustin Group Ab |  |  | 180 |  | 69 |
| Dynapac Co Ltd |  |  | 1 |  | 13 |
| East Money Information Co Ltd |  |  | 470 |  | 1661 |
| Eastroc Beverage Group Co Ltd |  |  | 44 |  | 1484 |
| Eco's Co Ltd/Japan |  |  | 1 |  | 18 |
| Edenred Se |  |  | 84 |  | 2759 |
| Eguarantee Inc |  |  | 8 |  | 92 |
| Ehime Bank Ltd/The |  |  | 3 |  | 20 |
| Eiken Chemical Co Ltd |  |  | 7 |  | 92 |
| Einhell Germany Ag |  |  |  |  | 23 |
| Eldorado Gold Corp |  |  | 18 |  | 262 |
| Elecom Co Ltd |  |  | 6 |  | 61 |
| Electric Connector Technology |  |  | 20 |  | 160 |
| Elior Group Sa |  |  | 14 |  | 41 |
| Elite Material Co Ltd |  |  | 44 |  | 824 |
| Elm Co |  |  | 2 |  | 734 |
| Elmera Group Asa |  |  | 175 |  | 590 |
| Elopak Asa |  |  | 20 |  | 80 |
| Emaar Properties Pjsc |  |  | 488 |  | 1708 |
| Emak Spa |  |  | 39 |  | 36 |
| Ememory Technology Inc |  |  | 9 |  | 894 |
| Enea Ab |  |  | 17 |  | 155 |
| Energiekontor Ag |  |  | 1 |  | 31 |
| Engie Sa |  |  | 481 |  | 7625 |
| Eni Spa |  |  | 243 |  | 3288 |
| Ensign Energy Services Inc |  |  | 10 |  | 20 |
| Entra Asa |  |  | 10 |  | 98 |
| Environmental Group Ltd/The |  |  | 44 |  | 9 |
| Eramet Sa |  |  | 2 |  | 139 |
| Eri Holdings Co Ltd |  |  | 1 |  | 22 |
| Ermenegildo Zegna Nv |  |  | 29 |  | 238 |
| Ero Copper Corp |  |  | 20 |  | 275 |
| Esker Sa |  |  | 1 |  | 290 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Esr Group Ltd |  |  | 1221 |  | 1877 |
| Essent Group Ltd |  |  | 23 |  | 1274 |
| Essilorluxottica Sa |  |  | 24 |  | 5753 |
| E-Star Commercial Management C |  |  | 200 |  | 31 |
| Eternal Ltd |  |  | 555 |  | 1802 |
| Eurobank Ergasias Services And |  |  | 419 |  | 968 |
| Eurofins Scientific Se |  |  | 6 |  | 292 |
| Evertec Inc |  |  | 2 |  | 80 |
| Evolution Mining Ltd |  |  | 76 |  | 225 |
| Evraz Plc |  |  | 84 |  | 86 |
| Exchange Income Corp |  |  | 7 |  | 297 |
| Experian Plc |  |  | 330 |  | 14224 |
| Expro Group Holdings Nv |  |  | 2 |  | 30 |
| Fabasoft Ag |  |  | 1 |  | 21 |
| Fabrinet |  |  | 3 |  | 735 |
| Fanuc Corp |  |  | 148 |  | 3939 |
| Fasadgruppen Group Ab |  |  | 19 |  | 79 |
| Fastighetsbolaget Emilshus Ab |  |  | 4 |  | 12 |
| Fcc Co Ltd |  |  | 5 |  | 96 |
| Fdm Group Holdings Plc |  |  | 4 |  | 16 |
| Ferrari Nv |  |  | 28 |  | 12141 |
| Fiducian Group Ltd |  |  | 9 |  | 48 |
| Finecobank Banca Fineco Spa |  |  | 21 |  | 358 |
| Firan Technology Group Corp |  |  | 10 |  | 52 |
| Firm Capital Mtg Invt Corp |  |  | 2 |  | 15 |
| First Bancorp/Puerto Rico |  |  | 9 |  | 176 |
| Fisher & Paykel Healthcare Cor |  |  | 11 |  | 228 |
| Fiverr International Ltd |  |  | 5 |  | 153 |
| Flatexdegiro Ag |  |  | 31 |  | 473 |
| Fluidra Sa |  |  | 10 |  | 249 |
| Fomento Economico Mexicano Sab |  |  | 229 |  | 2392 |
| Forfarmers Nv |  |  | 7 |  | 26 |
| Fortum Oyj |  |  | 259 |  | 3622 |
| Fortuna Mining Corp |  |  | 13 |  | 54 |
| Fortune Electric Co Ltd |  |  | 26 |  | 445 |
| Foshan Haitian Flavouring & Fo |  |  | 126 |  | 791 |
| Fositek Corp |  |  | 12 |  | 288 |
| Foxtons Group Plc |  |  | 61 |  | 52 |
| Fpt Corp |  |  | 108 |  | 648 |
| Frasers Property Ltd |  |  | 26 |  | 18 |
| Ftai Aviation Ltd |  |  | 1 |  | 193 |
| Ftgroup Co Ltd |  |  | 5 |  | 40 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Fuchs Se |  |  | 8 |  | 273 |
| Fuji Corp/Aichi |  |  | 10 |  | 161 |
| Fuji Corp/Miyagi |  |  | 2 |  | 24 |
| Fuji Kyuko Co Ltd |  |  | 3 |  | 44 |
| Fuji Pharma Co Ltd |  |  | 5 |  | 53 |
| Fuji Seal International Inc |  |  | 3 |  | 47 |
| Fujii Sangyo Corp |  |  | 1 |  | 12 |
| Fujitsu General Ltd |  |  | 4 |  | 52 |
| Fukuoka Financial Group Inc |  |  | 5 |  | 137 |
| Fullcast Holdings Co Ltd |  |  | 5 |  | 43 |
| Fuller Smith & Turner Plc |  |  | 5 |  | 41 |
| Furuno Electric Co Ltd |  |  | 6 |  | 110 |
| Fuso Chemical Co Ltd |  |  | 8 |  | 175 |
| Futu Holdings Ltd |  |  | 5 |  | 377 |
| Future Corp |  |  | 21 |  | 252 |
| Fuyao Glass Industry Group Co |  |  | 126 |  | 1073 |
| G5 Entertainment Ab |  |  | 8 |  | 82 |
| Galaxy Entertainment Group Ltd |  |  | 926 |  | 3935 |
| Galp Energia Sgps Sa |  |  | 137 |  | 2265 |
| Gamma Communications Plc |  |  | 31 |  | 592 |
| Gamuda Bhd |  |  | 531 |  | 563 |
| Ge Vernova T&D India Ltd |  |  | 26 |  | 628 |
| Gecoss Corp |  |  | 5 |  | 34 |
| Gentrack Group Ltd |  |  | 7 |  | 47 |
| Genuit Group Plc |  |  | 45 |  | 222 |
| Genus Plc |  |  | 12 |  | 229 |
| Genusplus Group Ltd |  |  | 6 |  | 10 |
| Geo Holdings Corp |  |  | 5 |  | 52 |
| Geolive Group Corp |  |  | 1 |  | 9 |
| Giga Prize Co Ltd |  |  | 1 |  | 8 |
| Gildan Activewear Inc |  |  | 98 |  | 4630 |
| Giordano International Ltd |  |  | 120 |  | 26 |
| Gl Events Saca |  |  | 2 |  | 31 |
| Globant Sa |  |  | 1 |  | 213 |
| Globeride Inc |  |  | 2 |  | 24 |
| Glory Ltd |  |  | 9 |  | 141 |
| Gmo Internet Group Inc |  |  | 4 |  | 64 |
| Godrej Properties Ltd |  |  | 21 |  | 692 |
| Gold Road Resources Ltd |  |  | 60 |  | 76 |
| Golden Throat Holdings Group C |  |  | 44 |  | 18 |
| Grand Process Technology Corp |  |  | 9 |  | 396 |
| Green Landscaping Group Ab |  |  | 5 |  | 30 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Greenfire Resources Ltd |  |  | 4 |  | 27 |
| Grupo Aeroportuario Del Surest |  |  | 1 |  | 158 |
| Grupo Empresarial San Jose Sa |  |  | 5 |  | 24 |
| Grupo Financiero Banorte Sab D |  |  | 602 |  | 3892 |
| Grupo Financiero Galicia Sa |  |  | 15 |  | 941 |
| Gudeng Precision Industrial Co |  |  | 26 |  | 389 |
| Guerbet |  |  | 1 |  | 37 |
| Gvs Spa |  |  | 24 |  | 122 |
| H World Group Ltd |  |  | 71 |  | 237 |
| Haier Smart Home Co Ltd |  |  | 43 |  | 153 |
| Hakuhodo Dy Holdings Inc |  |  | 26 |  | 200 |
| Hallenstein Glasson Holdings L |  |  | 6 |  | 28 |
| Hanwa Co Ltd |  |  | 13 |  | 400 |
| Hanwha Aerospace Co Ltd |  |  | 3 |  | 572 |
| Hd Hyundai Electric Co Ltd |  |  | 5 |  | 1369 |
| Hdfc Asset Management Co Ltd |  |  | 13 |  | 623 |
| Hdfc Bank Ltd |  |  | 165 |  | 3813 |
| Heidelberger Druckmaschinen Ag |  |  | 14 |  | 14 |
| Helios Towers Plc |  |  | 157 |  | 180 |
| Hellofresh Se |  |  | 3 |  | 40 |
| Helloworld Travel Ltd |  |  | 20 |  | 25 |
| Henan Pinggao Electric Co Ltd |  |  | 289 |  | 761 |
| Henkel Ag & Co Kgaa |  |  | 62 |  | 5457 |
| Hennge Kk |  |  | 3 |  | 26 |
| Hera Spa |  |  | 72 |  | 256 |
| Hexagon Ab |  |  | 364 |  | 3477 |
| Hiab Oyj |  |  | 1 |  | 64 |
| Higashi Holdings Co Ltd |  |  | 2 |  | 13 |
| High Liner Foods |  |  | 2 |  | 19 |
| Hikari Tsushin Inc |  |  | 1 |  | 305 |
| Hill & Smith Plc |  |  | 11 |  | 254 |
| Hindustan Aeronautics Ltd |  |  | 17 |  | 834 |
| Hipages Group Holdings Ltd |  |  | 15 |  | 12 |
| Hisamitsu Pharmaceutical Co In |  |  | 2 |  | 44 |
| Hiscox Ltd |  |  | 20 |  | 271 |
| Hitachi Ltd |  |  | 396 |  | 9920 |
| Hkbn Ltd |  |  | 21 |  | 14 |
| Hoa Phat Group Jsc |  |  | 296 |  | 310 |
| Hodogaya Chemical Co Ltd |  |  | 1 |  | 13 |
| Hoist Finance Ab |  |  | 39 |  | 318 |
| Hokkan Holdings Ltd |  |  | 1 |  | 10 |
| Hon Hai Precision Industry Co |  |  | 361 |  | 2027 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Hong Kong Exchanges & Clearing |  |  | 36 |  | 1382 |
| Hong Kong Technology Venture C |  |  | 74 |  | 14 |
| Hongfa Technology Co Ltd |  |  | 55 |  | 240 |
| Horiba Ltd |  |  | 7 |  | 417 |
| Hoya Corp |  |  | 15 |  | 1881 |
| Hs Holdings Co Ltd |  |  | 6 |  | 31 |
| Huali Industrial Group Co Ltd |  |  | 10 |  | 104 |
| Huaneng Lancang River Hydropow |  |  | 427 |  | 556 |
| Hugo Boss Ag |  |  | 1 |  | 48 |
| Humanwell Healthcare Group Co |  |  | 42 |  | 135 |
| Humm Group Ltd |  |  | 41 |  | 17 |
| Husqvarna Ab |  |  | 8 |  | 43 |
| Hypoport Se |  |  | 1 |  | 151 |
| Iar Systems Group Ab |  |  | 1 |  | 13 |
| Iberpapel Gestion Sa |  |  | 1 |  | 10 |
| Ibersol Sgps Sa |  |  | 6 |  | 44 |
| Icici Bank Ltd |  |  | 546 |  | 13907 |
| Icon Plc |  |  | 61 |  | 12834 |
| Idec Corp/Japan |  |  | 10 |  | 159 |
| Ifast Corp Ltd |  |  | 21 |  | 112 |
| Ihi Corp |  |  | 5 |  | 298 |
| I'Ll Inc |  |  | 3 |  | 50 |
| Illimity Bank Spa |  |  | 11 |  | 37 |
| Imagica Group Inc |  |  | 10 |  | 34 |
| Imcd Nv |  |  | 3 |  | 427 |
| Immobiliare Grande Distribuzio |  |  | 25 |  | 65 |
| Immunocore Holdings Plc |  |  | 9 |  | 277 |
| Impax Asset Management Group P |  |  | 20 |  | 61 |
| Impro Precision Industries Ltd |  |  | 247 |  | 62 |
| Indian Hotels Co Ltd/The |  |  | 183 |  | 1876 |
| Indra Sistemas Sa |  |  | 2 |  | 32 |
| Info Edge India Ltd |  |  | 3 |  | 261 |
| Infomedia Ltd |  |  | 14 |  | 14 |
| Ing Groep Nv |  |  | 316 |  | 4946 |
| Innovent Biologics Inc |  |  | 35 |  | 164 |
| Instone Real Estate Group Se |  |  | 20 |  | 178 |
| Intact Financial Corp |  |  | 12 |  | 2222 |
| Intelbras Sa Industria De Tele |  |  | 35 |  | 71 |
| Intelligent Wave Inc |  |  | 1 |  | 11 |
| Interglobe Aviation Ltd |  |  | 11 |  | 569 |
| Intermediate Capital Group Plc |  |  | 14 |  | 362 |
| International Container Termin |  |  | 123 |  | 822 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Interpump Group Spa |  |  | 3 |  | 125 |
| Intesa Sanpaolo Spa |  |  | 1197 |  | 4786 |
| Iqe Plc |  |  | 691 |  | 96 |
| Iren Spa |  |  | 53 |  | 105 |
| Iriso Electronics Co Ltd |  |  | 4 |  | 64 |
| Isb Corp |  |  | 5 |  | 46 |
| Itab Shop Concept Ab |  |  | 8 |  | 14 |
| Itau Unibanco Holding Sa |  |  | 1159 |  | 5761 |
| Ituran Location And Control Lt |  |  | 1 |  | 45 |
| Ivf Hartmann Holding Ag |  |  |  |  | 13 |
| Jaccs Co Ltd |  |  | 5 |  | 119 |
| Jamieson Wellness Inc |  |  | 9 |  | 234 |
| Jamjoom Pharmaceuticals Factor |  |  | 8 |  | 344 |
| Janus Henderson Group Plc |  |  | 26 |  | 1120 |
| Japan Aviation Electronics Ind |  |  | 6 |  | 105 |
| Japan Medical Dynamic Marketin |  |  | 4 |  | 15 |
| Japan Transcity Corp |  |  | 5 |  | 33 |
| Jb Hi-Fi Ltd |  |  | 9 |  | 492 |
| Jbcc Holdings Inc |  |  | 1 |  | 22 |
| Jcr Pharmaceuticals Co Ltd |  |  | 18 |  | 70 |
| Jd Sports Fashion Plc |  |  | 1582 |  | 1900 |
| Jentech Precision Industrial C |  |  | 9 |  | 407 |
| Jeol Ltd |  |  | 4 |  | 138 |
| Jet2 Plc |  |  | 1 |  | 16 |
| Jfrog Ltd |  |  | 28 |  | 837 |
| Jgc Holdings Corp |  |  | 30 |  | 250 |
| Jiangsu Hengli Hydraulic Co Lt |  |  | 14 |  | 104 |
| Jinmao Property Services Co Lt |  |  | 66 |  | 21 |
| Johnson Service Group Plc |  |  | 191 |  | 325 |
| Jost Werke Se |  |  | 1 |  | 25 |
| Js Global Lifestyle Co Ltd |  |  | 859 |  | 154 |
| Jsw Energy Ltd |  |  | 70 |  | 527 |
| Jtc Plc |  |  | 44 |  | 547 |
| Julius Baer Group Ltd |  |  | 36 |  | 2332 |
| Jumbo Interactive Ltd |  |  | 3 |  | 24 |
| Justsystems Corp |  |  | 8 |  | 182 |
| Jutal Offshore Oil Services Lt |  |  | 280 |  | 26 |
| Jyp Entertainment Corp |  |  | 4 |  | 192 |
| Kakaku.Com Inc |  |  | 19 |  | 286 |
| Kalmar Oyj |  |  | 1 |  | 22 |
| Kalyan Jewellers India Ltd |  |  | 67 |  | 603 |
| Kambi Group Plc |  |  | 3 |  | 23 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Kamei Corp |  |  | 5 |  | 55 |
| Kamigumi Co Ltd |  |  | 2 |  | 54 |
| Kanaden Corp |  |  | 6 |  | 61 |
| Kanzhun Ltd |  |  | 15 |  | 205 |
| Kardex Holding Ag |  |  | 1 |  | 351 |
| Karooooo Ltd |  |  |  |  | 19 |
| Kaufman & Broad Sa |  |  | 1 |  | 28 |
| Kaynes Technology India Ltd |  |  | 12 |  | 1083 |
| Kbc Group Nv |  |  | 94 |  | 7279 |
| Kei Industries Ltd |  |  | 13 |  | 664 |
| Kenko Mayonnaise Co Ltd |  |  | 3 |  | 34 |
| Kfin Technologies Ltd |  |  | 34 |  | 615 |
| Kid Asa |  |  | 20 |  | 233 |
| Kier Group Plc |  |  | 41 |  | 76 |
| Kimura Unity Co Ltd |  |  | 1 |  | 10 |
| Kinaxis Inc |  |  | 2 |  | 190 |
| King Slide Works Co Ltd |  |  | 12 |  | 551 |
| King Yuan Electronics Co Ltd |  |  | 159 |  | 541 |
| Kingboard Laminates Holdings L |  |  | 165 |  | 153 |
| Klabin Sa |  |  | 92 |  | 346 |
| Klingelnberg Ag |  |  | 1 |  | 14 |
| Knaus Tabbert Ag |  |  | 3 |  | 38 |
| Kogan.Com Ltd |  |  | 9 |  | 34 |
| Koike Sanso Kogyo Co Ltd |  |  | 1 |  | 43 |
| Kokusai Electric Corp |  |  | 283 |  | 3869 |
| Konica Minolta Inc |  |  | 107 |  | 449 |
| Koninklijke Bam Groep Nv |  |  | 47 |  | 204 |
| Konoike Transport Co Ltd |  |  | 3 |  | 65 |
| Kose Corp |  |  | 36 |  | 1634 |
| Kudelski Sa |  |  | 6 |  | 8 |
| Kuriyama Holdings Corp |  |  | 11 |  | 91 |
| Kweichow Moutai Co Ltd |  |  | 3 |  | 730 |
| Kws Saat Se & Co Kgaa |  |  | 1 |  | 50 |
| Kyocera Corp |  |  | 196 |  | 1969 |
| Kyoritsu Maintenance Co Ltd |  |  | 6 |  | 110 |
| Laboratorios Farmaceuticos Rov |  |  | 6 |  | 414 |
| Lagercrantz Group Ab |  |  | 6 |  | 120 |
| Lectra |  |  | 7 |  | 184 |
| Legrand Sa |  |  | 55 |  | 5335 |
| Leifheit Ag |  |  | 1 |  | 10 |
| Lh Group Ltd |  |  | 118 |  | 7 |
| Lhn Ltd |  |  | 45 |  | 17 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Li Ning Co Ltd |  |  | 2504 |  | 5305 |
| Life Corp |  |  | 5 |  | 103 |
| Lifull Co Ltd |  |  | 13 |  | 17 |
| Linde Plc |  |  | 15 |  | 6103 |
| Linmon Media Ltd |  |  | 42 |  | 15 |
| Liontrust Asset Management Plc |  |  | 3 |  | 20 |
| Litalico Inc |  |  | 9 |  | 51 |
| Logista Integral Sa |  |  | 1 |  | 23 |
| Loncin Motor Co Ltd |  |  | 97 |  | 121 |
| London Stock Exchange Group Pl |  |  | 57 |  | 8071 |
| Look Holdings Inc |  |  | 5 |  | 68 |
| Lotes Co Ltd |  |  | 19 |  | 1137 |
| Luceco Plc |  |  | 88 |  | 142 |
| Lucero Energy Corp |  |  | 291 |  | 86 |
| Luyuan Group Holding Cayman Lt |  |  | 26 |  | 25 |
| Lvmh Moet Hennessy Louis Vuitt |  |  | 9 |  | 5999 |
| M&A Capital Partners Co Ltd |  |  | 2 |  | 29 |
| M1 Kliniken Ag |  |  | 2 |  | 31 |
| Macrotech Developers Ltd |  |  | 49 |  | 801 |
| Mahindra & Mahindra Ltd |  |  | 36 |  | 1253 |
| Makemytrip Ltd |  |  | 9 |  | 1060 |
| Mandatum Oyj |  |  | 7 |  | 35 |
| Mandom Corp |  |  | 7 |  | 59 |
| Maple Leaf Foods Inc |  |  | 5 |  | 67 |
| Marco Polo Marine Ltd |  |  | 1064 |  | 42 |
| Marex Group Plc |  |  | 8 |  | 260 |
| Marklines Co Ltd |  |  | 3 |  | 47 |
| Marks & Spencer Group Plc |  |  | 22 |  | 105 |
| Martinrea International Inc |  |  | 3 |  | 19 |
| Matsui Construction Co Ltd |  |  | 2 |  | 13 |
| Matsukiyococokara & Co |  |  | 235 |  | 3446 |
| Matsuoka Corp |  |  | 3 |  | 42 |
| Max Healthcare Institute Ltd |  |  | 69 |  | 913 |
| Maxell Ltd |  |  | 8 |  | 95 |
| Mazda Motor Corp |  |  | 18 |  | 127 |
| Mcbride Plc |  |  | 55 |  | 73 |
| Mcj Co Ltd |  |  | 6 |  | 54 |
| Medadvisor Ltd |  |  | 54 |  | 8 |
| Mediatek Inc |  |  | 47 |  | 2012 |
| Medipal Holdings Corp |  |  | 2 |  | 28 |
| Megachips Corp |  |  | 3 |  | 137 |
| Meiji Electric Industries Co L |  |  | 2 |  | 16 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Meitec Group Holdings Inc |  |  | 2 |  | 36 |
| Meituan |  |  | 754 |  | 14726 |
| Menicon Co Ltd |  |  | 15 |  | 138 |
| Merck Kgaa |  |  | 77 |  | 11211 |
| Merus Nv |  |  | 1 |  | 31 |
| Metawater Co Ltd |  |  | 13 |  | 152 |
| Methanex Corp |  |  | 9 |  | 459 |
| Metro Brands Ltd |  |  | 11 |  | 150 |
| Mfe-Mediaforeurope Nv |  |  | 3 |  | 14 |
| Midea Group Co Ltd |  |  | 72 |  | 703 |
| Mikron Holding Ag |  |  | 1 |  | 14 |
| Military Commercial Joint Stoc |  |  | 149 |  | 146 |
| Minsheng Education Group Co Lt |  |  | 244 |  | 6 |
| Minto Apartment Reit |  |  | 28 |  | 258 |
| Mips Ab |  |  | 3 |  | 131 |
| Mitani Sangyo Co Ltd |  |  | 26 |  | 55 |
| Mito Securities Co Ltd |  |  | 26 |  | 94 |
| Mitsuba Corp |  |  | 6 |  | 38 |
| Mitsubishi Electric Corp |  |  | 256 |  | 4379 |
| Mitsubishi Heavy Industries Lt |  |  | 663 |  | 9373 |
| Mitsui High-Tec Inc |  |  | 15 |  | 81 |
| Miura Co Ltd |  |  | 14 |  | 365 |
| Mizuho Financial Group Inc |  |  | 202 |  | 4971 |
| Mizuno Corp |  |  | 1 |  | 61 |
| Modec Inc |  |  | 10 |  | 207 |
| Monday.Com Ltd |  |  | 27 |  | 6462 |
| Monogatari Corp/The |  |  | 9 |  | 207 |
| Montana Aerospace Ag |  |  | 24 |  | 382 |
| Moonlake Immunotherapeutics |  |  | 2 |  | 81 |
| Morguard Corp |  |  |  |  | 34 |
| Moriroku Co Ltd |  |  | 6 |  | 72 |
| Morita Holdings Corp |  |  | 3 |  | 40 |
| Morito Co Ltd |  |  | 6 |  | 61 |
| Mount Gibson Iron Ltd |  |  | 553 |  | 101 |
| Moury Construct Sa |  |  |  |  | 20 |
| Mr Price Group Ltd |  |  | 76 |  | 1183 |
| Mt Hoejgaard Holding A/S |  |  | 1 |  | 35 |
| Mtu Aero Engines Ag |  |  | 7 |  | 2454 |
| Multiconsult Asa |  |  | 5 |  | 89 |
| Multiplan Empreendimentos Imob |  |  | 33 |  | 112 |
| Murakami Corp |  |  | 2 |  | 88 |
| Nachi-Fujikoshi Corp |  |  | 5 |  | 108 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Nagarro Se |  |  | 2 |  | 136 |
| Nakanishi Inc |  |  | 9 |  | 143 |
| Nanosonics Ltd |  |  | 23 |  | 43 |
| Navigator Holdings Ltd |  |  | 9 |  | 137 |
| Nec Corp |  |  | 67 |  | 5861 |
| Nederman Holding Ab |  |  | 3 |  | 65 |
| Nestle Sa |  |  | 83 |  | 6864 |
| Netease Inc |  |  | 160 |  | 2858 |
| Netwealth Group Ltd |  |  | 7 |  | 120 |
| Neutech Group Ltd |  |  | 38 |  | 12 |
| New Hope Service Holdings Ltd |  |  | 141 |  | 36 |
| Nexity Sa |  |  | 20 |  | 265 |
| Nextage Co Ltd |  |  | 26 |  | 239 |
| Nexxen International Ltd |  |  | 5 |  | 27 |
| Nicca Chemical Co Ltd |  |  | 9 |  | 62 |
| Nichia Steel Works Ltd |  |  | 13 |  | 25 |
| Nichirin Co Ltd |  |  | 1 |  | 16 |
| Nifco Inc/Japan |  |  | 12 |  | 299 |
| Nihon Flush Co Ltd |  |  | 3 |  | 15 |
| Nihon M&A Center Holdings Inc |  |  | 31 |  | 129 |
| Nihon Trim Co Ltd |  |  | 1 |  | 18 |
| Nippon Concept Corp |  |  | 3 |  | 37 |
| Nippon Information Development |  |  | 1 |  | 23 |
| Nippon Paper Industries Co Ltd |  |  | 33 |  | 181 |
| Nippon Rietec Co Ltd |  |  | 2 |  | 14 |
| Nippon Sanso Holdings Corp |  |  | 151 |  | 4261 |
| Nippon Seiki Co Ltd |  |  | 25 |  | 184 |
| Nippon Shinyaku Co Ltd |  |  | 12 |  | 298 |
| Nippon Soda Co Ltd |  |  | 21 |  | 391 |
| Nissan Chemical Corp |  |  | 3 |  | 108 |
| Nisshinbo Holdings Inc |  |  | 52 |  | 296 |
| Nissin Corp |  |  | 1 |  | 28 |
| Niterra Co Ltd |  |  | 12 |  | 376 |
| Nitori Holdings Co Ltd |  |  | 36 |  | 4238 |
| Nitto Kogyo Corp |  |  | 4 |  | 75 |
| Nkt A/S |  |  | 2 |  | 177 |
| Nobia Ab |  |  | 105 |  | 36 |
| Noble Corp Plc |  |  | 2 |  | 55 |
| Nomad Foods Ltd |  |  | 16 |  | 271 |
| Norconsult Norge As |  |  | 51 |  | 197 |
| Norcros Plc |  |  | 9 |  | 27 |
| Nordnet Ab Publ |  |  | 15 |  | 319 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| North Media A/S |  |  | 4 |  | 26 |
| Norva24 Group Ab |  |  | 65 |  | 155 |
| Nova Ljubljanska Banka Dd |  |  | 6 |  | 155 |
| Nova Ltd |  |  | 3 |  | 610 |
| Novanta Inc |  |  | 2 |  | 271 |
| Novartis Ag |  |  | 61 |  | 6014 |
| Novo Nordisk A/S |  |  | 224 |  | 19457 |
| Nrj Group |  |  | 7 |  | 52 |
| Ns Solutions Corp |  |  | 2 |  | 61 |
| Ns Tool Co Ltd |  |  | 6 |  | 29 |
| Ns United Kaiun Kaisha Ltd |  |  | 2 |  | 50 |
| Nsd Co Ltd |  |  | 10 |  | 216 |
| Ntg Nordic Transport Group A/S |  |  | 4 |  | 146 |
| Ntpc Ltd |  |  | 386 |  | 1504 |
| Nu Holdings Ltd/Cayman Islands |  |  | 583 |  | 6039 |
| Nufarm Ltd |  |  | 6 |  | 14 |
| Nuvista Energy Ltd |  |  | 23 |  | 225 |
| Obara Group Inc |  |  | 14 |  | 354 |
| Oberoi Realty Ltd |  |  | 20 |  | 531 |
| Obic Business Consultants Co L |  |  | 3 |  | 146 |
| Ocado Group Plc |  |  | 11 |  | 42 |
| Ocean Wilsons Holdings Ltd |  |  | 4 |  | 73 |
| Odakyu Electric Railway Co Ltd |  |  | 7 |  | 64 |
| Odfjell Se |  |  | 2 |  | 18 |
| Odfjell Technology Ltd |  |  | 3 |  | 13 |
| Ohba Co Ltd |  |  | 2 |  | 11 |
| Oie Sangyo Co Ltd |  |  | 1 |  | 14 |
| Okamura Corp |  |  | 4 |  | 48 |
| Okea Asa |  |  | 7 |  | 12 |
| Oki Electric Industry Co Ltd |  |  | 15 |  | 104 |
| Olympus Corp |  |  | 221 |  | 3329 |
| Onamba Co Ltd |  |  | 2 |  | 15 |
| Onward Holdings Co Ltd |  |  | 16 |  | 61 |
| Ooh!Media Ltd |  |  | 138 |  | 101 |
| Open House Group Co Ltd |  |  | 3 |  | 112 |
| Open Up Group Inc |  |  | 6 |  | 68 |
| Optim Corp |  |  | 4 |  | 16 |
| Optorun Co Ltd |  |  | 11 |  | 128 |
| Orange Sa |  |  | 548 |  | 5464 |
| Orion Sa |  |  | 13 |  | 198 |
| Oro Co Ltd |  |  | 2 |  | 28 |
| Orsero Spa |  |  | 4 |  | 52 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Osisko Gold Royalties Ltd |  |  | 8 |  | 143 |
| Otp Bank Nyrt |  |  | 15 |  | 819 |
| Otsuka Holdings Co Ltd |  |  | 58 |  | 3164 |
| Oxford Nanopore Technologies P |  |  | 77 |  | 124 |
| Page Industries Ltd |  |  |  |  | 260 |
| Pal Group Holdings Co Ltd |  |  | 4 |  | 73 |
| Palram Industries 1990 Ltd |  |  | 4 |  | 82 |
| Parken Sport & Entertainment A |  |  | 2 |  | 27 |
| Pca Corp |  |  | 2 |  | 22 |
| Penta-Ocean Construction Co Lt |  |  | 15 |  | 61 |
| Pernod Ricard Sa |  |  | 42 |  | 4742 |
| Perseus Mining Ltd |  |  | 127 |  | 202 |
| Persimmon Plc |  |  | 14 |  | 207 |
| Persol Holdings Co Ltd |  |  | 214 |  | 321 |
| Phoenix Mills Ltd/The |  |  | 30 |  | 581 |
| Pidilite Industries Ltd |  |  | 12 |  | 398 |
| Pilbara Minerals Ltd |  |  | 72 |  | 98 |
| Piquadro Spa |  |  | 11 |  | 24 |
| Piraeus Financial Holdings Sa |  |  | 1421 |  | 5664 |
| Planisware Sa |  |  | 15 |  | 426 |
| Playmates Toys Ltd |  |  | 286 |  | 23 |
| Playside Studios Ltd |  |  | 80 |  | 20 |
| Polar Capital Holdings Plc |  |  | 7 |  | 45 |
| Pole To Win Holdings Inc |  |  | 45 |  | 130 |
| Polycab India Ltd |  |  | 4 |  | 370 |
| Pop Mart International Group L |  |  | 49 |  | 565 |
| Popular Inc |  |  | 20 |  | 1865 |
| Pr Times Corp |  |  | 2 |  | 19 |
| Prevas Ab |  |  | 2 |  | 20 |
| Prinx Chengshan Holdings Ltd |  |  | 20 |  | 19 |
| Proact It Group Ab |  |  | 4 |  | 47 |
| Prologis Property Mexico Sa De |  |  | 131 |  | 364 |
| Prosegur Cash Sa |  |  | 173 |  | 99 |
| Prothena Corp Plc |  |  | 2 |  | 35 |
| Prudential Plc |  |  | 208 |  | 1658 |
| Puma Se |  |  | 90 |  | 4111 |
| Q&M Dental Group Singapore Ltd |  |  | 67 |  | 14 |
| Qiagen Nv |  |  | 65 |  | 2905 |
| Qinetiq Group Plc |  |  | 26 |  | 134 |
| Qualitas Ltd |  |  | 8 |  | 13 |
| Quanta Computer Inc |  |  | 90 |  | 791 |
| Quilter Plc |  |  | 247 |  | 476 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Radware Ltd |  |  | 5 |  | 119 |
| Raia Drogasil Sa |  |  | 96 |  | 341 |
| Raisio Oyj |  |  | 22 |  | 50 |
| Rakus Co Ltd |  |  | 7 |  | 88 |
| Ramelius Resources Ltd |  |  | 102 |  | 131 |
| Rank Group Plc |  |  | 32 |  | 35 |
| Rasa Corp |  |  | 3 |  | 26 |
| Ratos Ab |  |  | 5 |  | 14 |
| Reach Subsea Asa |  |  | 140 |  | 97 |
| Rec Ltd |  |  | 94 |  | 552 |
| Record Plc |  |  | 33 |  | 22 |
| Redcare Pharmacy Nv |  |  | 7 |  | 932 |
| Regis Healthcare Ltd |  |  | 11 |  | 42 |
| Regis Resources Ltd |  |  | 79 |  | 125 |
| Reitmans (Canada) Ltd |  |  | 36 |  | 61 |
| Reliance Industries Ltd |  |  | 55 |  | 3111 |
| Relx Plc |  |  | 388 |  | 17654 |
| Renesas Electronics Corp |  |  | 155 |  | 2020 |
| Rengo Co Ltd |  |  | 41 |  | 226 |
| Renishaw Plc |  |  | 4 |  | 170 |
| Resolute Mining Ltd |  |  | 178 |  | 43 |
| Resorttrust Inc |  |  | 13 |  | 269 |
| Retail Partners Co Ltd |  |  | 4 |  | 36 |
| Rheon Automatic Machinery Co L |  |  | 3 |  | 28 |
| Ricegrowers Ltd |  |  | 8 |  | 53 |
| Richelieu Hardware Ltd |  |  | 6 |  | 172 |
| Rightmove Plc |  |  | 21 |  | 166 |
| Riken Vitamin Co Ltd |  |  | 3 |  | 43 |
| Rinnai Corp |  |  | 5 |  | 104 |
| Rio Tinto Plc |  |  | 98 |  | 5819 |
| Riso Kagaku Corp |  |  | 4 |  | 46 |
| Riverstone Holdings Ltd |  |  | 21 |  | 16 |
| Riyadh Cables Group Co |  |  | 13 |  | 492 |
| Riyue Heavy Industry Co Ltd |  |  | 88 |  | 144 |
| Robertet Sa |  |  |  |  | 230 |
| Roche Holding Ag |  |  | 47 |  | 13334 |
| Rohm Co Ltd |  |  | 5 |  | 50 |
| Rolls-Royce Holdings Plc |  |  | 2079 |  | 14803 |
| Rotork Plc |  |  | 110 |  | 434 |
| Round One Corp |  |  | 25 |  | 207 |
| Royal Unibrew A/S |  |  | 2 |  | 147 |
| Rs Group Plc |  |  | 415 |  | 3538 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Ruijie Networks Co Ltd |  |  | 11 |  | 110 |
| Ryanair Holdings Plc |  |  | 154 |  | 6695 |
| Ryohin Keikaku Co Ltd |  |  | 2 |  | 46 |
| Safran Sa |  |  | 56 |  | 12312 |
| Saipem Spa |  |  | 62 |  | 160 |
| Sakai Moving Service Co Ltd |  |  | 2 |  | 37 |
| Sakata Inx Corp |  |  | 38 |  | 421 |
| Salik Co Pjsc |  |  | 554 |  | 815 |
| Samsung Biologics Co Ltd |  |  | 1 |  | 503 |
| Samsung Electronics Co Ltd |  |  | 220 |  | 7962 |
| Sandvik Ab |  |  | 167 |  | 3003 |
| Sanko Metal Industrial Co Ltd |  |  | 2 |  | 58 |
| Sankyu Inc |  |  | 6 |  | 212 |
| Sansan Inc |  |  | 12 |  | 176 |
| Sansha Electric Manufacturing |  |  | 3 |  | 18 |
| Santen Pharmaceutical Co Ltd |  |  | 53 |  | 550 |
| Sanwa Holdings Corp |  |  | 5 |  | 153 |
| Sanyo Engineering & Constructi |  |  | 2 |  | 9 |
| Sanyo Special Steel Co Ltd |  |  | 2 |  | 26 |
| Sap Se |  |  | 91 |  | 22340 |
| Sapiens International Corp Nv |  |  | 6 |  | 161 |
| Sapphire Foods India Ltd |  |  | 41 |  | 158 |
| Sato Corp |  |  | 4 |  | 63 |
| Sato Shoji Corp |  |  | 2 |  | 15 |
| Scales Corp Ltd |  |  | 16 |  | 36 |
| Scandi Standard Ab |  |  | 3 |  | 25 |
| Scandinavian Tobacco Group A/S |  |  | 6 |  | 81 |
| Schneider Electric Se |  |  | 71 |  | 17734 |
| Schoeller-Bleckmann Oilfield E |  |  | 6 |  | 182 |
| Schott Pharma Ag & Co Kgaa |  |  | 10 |  | 269 |
| Scout24 Se |  |  | 2 |  | 193 |
| Sea Ltd |  |  | 145 |  | 15409 |
| Seadrill Ltd |  |  | 3 |  | 116 |
| Sega Sammy Holdings Inc |  |  | 13 |  | 259 |
| Sekisui Kasei Co Ltd |  |  | 15 |  | 35 |
| Selvaag Bolig Asa |  |  | 5 |  | 15 |
| Sensata Technologies Holding P |  |  | 11 |  | 310 |
| Sensirion Holding Ag |  |  |  |  | 20 |
| Seraku Co Ltd |  |  | 2 |  | 22 |
| Servcorp Ltd |  |  | 4 |  | 12 |
| Service Stream Ltd |  |  | 737 |  | 712 |
| Seven & I Holdings Co Ltd |  |  | 244 |  | 3866 |
| Severfield Plc |  |  | 102 |  | 66 |
| Shandong Pharmaceutical Glass |  |  | 54 |  | 189 |
| Shandong Weigao Group Medical |  |  | 257 |  | 152 |
| Shanghai Conant Optical Co Ltd |  |  | 13 |  | 41 |
| Shanghai Gench Education Group |  |  | 44 |  | 16 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Shaver Shop Group Ltd |  |  | 23 |  | 19 |
| Shenzhen Envicool Technology C |  |  | 27 |  | 151 |
| Shenzhen Jufei Optoelectronics |  |  | 135 |  | 126 |
| Shibaura Machine Co Ltd |  |  | 1 |  | 19 |
| Shibuya Corp |  |  | 3 |  | 79 |
| Shift Inc |  |  | 1 |  | 136 |
| Shimadzu Corp |  |  | 155 |  | 4402 |
| Shimamura Co Ltd |  |  | 1 |  | 60 |
| Shimizu Corp |  |  | 28 |  | 221 |
| Shimojima Co Ltd |  |  | 2 |  | 15 |
| Shin Maint Holdings Co Ltd |  |  | 3 |  | 31 |
| Shin-Etsu Chemical Co Ltd |  |  | 108 |  | 3634 |
| Shopify Inc |  |  | 3 |  | 365 |
| Shoprite Holdings Ltd |  |  | 51 |  | 791 |
| Siegfried Holding Ag |  |  |  |  | 164 |
| Siemens Ag |  |  | 23 |  | 4414 |
| Siemens Energy Ag |  |  | 164 |  | 8539 |
| Siemens Healthineers Ag |  |  | 99 |  | 5240 |
| Siemens Ltd |  |  | 11 |  | 873 |
| Sieyuan Electric Co Ltd |  |  | 74 |  | 734 |
| Sigmaxyz Holdings Inc |  |  | 5 |  | 29 |
| Siix Corp |  |  | 2 |  | 14 |
| Sika Ag |  |  | 9 |  | 2072 |
| Siltronic Ag |  |  | 8 |  | 381 |
| Singapore Telecommunications L |  |  | 1373 |  | 3100 |
| Sinko Industries Ltd |  |  | 1 |  | 10 |
| Sitoy Group Holdings Ltd |  |  | 130 |  | 9 |
| Sk Hynix Inc |  |  | 35 |  | 4147 |
| Skan Group Ag |  |  | 1 |  | 91 |
| Sks Technologies Group Ltd |  |  | 13 |  | 15 |
| Sma Solar Technology Ag |  |  | 8 |  | 112 |
| Smc Corp |  |  | 6 |  | 2337 |
| Smk Corp |  |  | 1 |  | 16 |
| Sms Co Ltd |  |  | 30 |  | 304 |
| Social Housing Reit Plc |  |  | 103 |  | 76 |
| Softcreate Holdings Corp |  |  | 5 |  | 72 |
| Sohgo Security Services Co Ltd |  |  | 25 |  | 169 |
| Soitec |  |  | 1 |  | 79 |
| Sompo Holdings Inc |  |  | 50 |  | 1303 |
| Sonova Holding Ag |  |  | 9 |  | 2803 |
| Sony Group Corp |  |  | 292 |  | 6270 |
| Sophia Genetics Sa |  |  | 25 |  | 78 |
| Sp Group A/S |  |  |  |  | 14 |
| Sparebank 1 Smn |  |  | 4 |  | 54 |
| Sparekassen Sjaelland-Fyn A/S |  |  | 1 |  | 28 |
| Sparx Group Co Ltd |  |  | 3 |  | 26 |
| Spie Sa |  |  | 30 |  | 919 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Spin Master Corp |  |  | 8 |  | 190 |
| Spirax Group Plc |  |  | 6 |  | 527 |
| Spotify Technology Sa |  |  | 26 |  | 11834 |
| Square Enix Holdings Co Ltd |  |  | 5 |  | 192 |
| Srg Global Ltd |  |  | 63 |  | 54 |
| Ssr Mining Inc |  |  | 14 |  | 98 |
| Starragtornos Group Ag |  |  |  |  | 9 |
| Step One Clothing Ltd |  |  | 20 |  | 16 |
| Steris Plc |  |  | 32 |  | 6632 |
| Stillfront Group Ab |  |  | 28 |  | 21 |
| Storagevault Canada Inc |  |  | 69 |  | 190 |
| Structure Therapeutics Inc |  |  | 15 |  | 405 |
| Subsea 7 Sa |  |  | 26 |  | 405 |
| Sumitomo Heavy Industries Ltd |  |  | 6 |  | 117 |
| Sumitomo Mitsui Financial Grou |  |  | 165 |  | 3960 |
| Sumitomo Pharma Co Ltd |  |  | 21 |  | 75 |
| Sumitomo Riko Co Ltd |  |  | 4 |  | 43 |
| Sumitomo Seika Chemicals Co Lt |  |  | 4 |  | 127 |
| Sun Pharmaceutical Industries |  |  | 65 |  | 1425 |
| Sun\* Inc |  |  | 15 |  | 68 |
| Suncor Energy Inc |  |  | 232 |  | 8283 |
| Suzuken Co Ltd/Aichi Japan |  |  | 8 |  | 254 |
| Suzuki Motor Corp |  |  | 324 |  | 3692 |
| Sweco Ab |  |  | 10 |  | 156 |
| Sword Group |  |  | 1 |  | 22 |
| Syncona Ltd |  |  | 73 |  | 96 |
| System Research Co Ltd |  |  | 1 |  | 13 |
| System Support Holdings Inc |  |  | 4 |  | 42 |
| Systena Corp |  |  | 15 |  | 36 |
| Taiheiyo Cement Corp |  |  | 20 |  | 466 |
| Taikisha Ltd |  |  | 1 |  | 24 |
| Taiwan Semiconductor Manufactu |  |  | 898 |  | 60310 |
| Takamatsu Construction Group C |  |  | 2 |  | 36 |
| Takashimaya Co Ltd |  |  | 31 |  | 246 |
| Takeuchi Manufacturing Co Ltd |  |  | 4 |  | 142 |
| Tam Jai International Co Ltd |  |  | 911 |  | 92 |
| Tasmea Ltd |  |  | 54 |  | 104 |
| Tata Consultancy Services Ltd |  |  | 31 |  | 1459 |
| Tatton Asset Management Plc |  |  | 9 |  | 75 |
| Tdc Soft Inc |  |  | 2 |  | 19 |
| Team Internet Group Plc |  |  | 26 |  | 30 |
| Teamviewer Se |  |  | 52 |  | 512 |
| Tecan Group Ag |  |  | 1 |  | 123 |
| Techmatrix Corp |  |  | 15 |  | 227 |
| Technipfmc Plc |  |  | 9 |  | 263 |
| Technopro Holdings Inc |  |  | 16 |  | 302 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Technoprobe Spa |  |  | 22 |  | 130 |
| Techtronic Industries Co Ltd |  |  | 368 |  | 4860 |
| Tecsys Inc |  |  | 1 |  | 41 |
| Teekay Tankers Ltd |  |  | 15 |  | 595 |
| Telkom Indonesia Persero Tbk P |  |  | 176 |  | 2894 |
| Telus International Cda Inc |  |  | 18 |  | 72 |
| Temairazu Inc |  |  | 4 |  | 79 |
| Tencent Holdings Ltd |  |  | 472 |  | 25316 |
| Tera Probe Inc |  |  | 2 |  | 41 |
| Terasaki Electric Co Ltd |  |  | 1 |  | 22 |
| Terumo Corp |  |  | 179 |  | 3494 |
| Tesco Plc |  |  | 734 |  | 3385 |
| Tgs Asa |  |  | 34 |  | 336 |
| Thales Sa |  |  | 45 |  | 6423 |
| Thinkific Labs Inc |  |  | 7 |  | 14 |
| Thyssenkrupp Ag |  |  | 4 |  | 16 |
| Tinexta Spa |  |  | 3 |  | 21 |
| Tkc Corp |  |  | 4 |  | 90 |
| Tocalo Co Ltd |  |  | 1 |  | 11 |
| Toei Animation Co Ltd |  |  | 3 |  | 75 |
| Tokai Carbon Co Ltd |  |  | 40 |  | 232 |
| Tokyo Century Corp |  |  | 15 |  | 157 |
| Tokyo Individualized Education |  |  | 4 |  | 9 |
| Tokyo Kiraboshi Financial Grou |  |  | 6 |  | 171 |
| Tokyo Seimitsu Co Ltd |  |  | 3 |  | 160 |
| Tokyo Tatemono Co Ltd |  |  | 16 |  | 259 |
| Tomato Bank Ltd |  |  | 3 |  | 21 |
| Tomy Co Ltd |  |  | 4 |  | 114 |
| Topy Industries Ltd |  |  | 3 |  | 38 |
| Torex Gold Resources Inc |  |  | 2 |  | 40 |
| Toronto Dominion Bank |  |  | 52 |  | 2771 |
| Torrent Pharmaceuticals Ltd |  |  | 4 |  | 151 |
| Toshiba Tec Corp |  |  | 6 |  | 128 |
| Tosho Co Ltd |  |  | 7 |  | 28 |
| Totvs Sa |  |  | 26 |  | 114 |
| Towa Bank Ltd/The |  |  | 7 |  | 27 |
| Toyo Engineering Corp |  |  | 15 |  | 68 |
| Toyo Suisan Kaisha Ltd |  |  | 54 |  | 3681 |
| Toyo Tire Corp |  |  | 29 |  | 452 |
| Trainline Plc |  |  | 35 |  | 190 |
| Trelleborg Ab |  |  | 5 |  | 160 |
| Trent Ltd |  |  | 17 |  | 1381 |
| Trinity Industrial Corp |  |  | 4 |  | 28 |
| Trip.Com Group Ltd |  |  | 85 |  | 5913 |
| Trivago Nv |  |  | 6 |  | 14 |
| Triveni Turbine Ltd |  |  | 51 |  | 438 |
| Troax Group Ab |  |  | 7 |  | 145 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Truly International Holdings L |  |  | 594 |  | 87 |
| Trusco Nakayama Corp |  |  | 11 |  | 161 |
| Trustpilot Group Plc |  |  | 106 |  | 409 |
| Tryt Inc |  |  | 56 |  | 145 |
| Tsubakimoto Kogyo Co Ltd |  |  | 2 |  | 31 |
| Tsutsumi Jewelry Co Ltd |  |  | 2 |  | 29 |
| Turkiye Garanti Bankasi As |  |  | 166 |  | 586 |
| Tuya Inc |  |  | 9 |  | 15 |
| Tvs Motor Co Ltd |  |  | 19 |  | 535 |
| Ubicom Holdings Inc |  |  | 7 |  | 61 |
| Ubisoft Entertainment Sa |  |  | 1 |  | 15 |
| U-Blox Holding Ag |  |  | 1 |  | 94 |
| Ubs Group Ag |  |  | 392 |  | 11999 |
| Unicaja Banco Sa |  |  | 188 |  | 249 |
| Unicredit Spa |  |  | 95 |  | 3804 |
| Unilever Plc |  |  | 97 |  | 5510 |
| Unipol Assicurazioni Spa |  |  | 18 |  | 221 |
| Unipres Corp |  |  | 4 |  | 30 |
| United Arrows Ltd |  |  | 1 |  | 26 |
| Unitronics |  |  | 9 |  | 62 |
| Universal Engeisha Kk |  |  |  |  | 9 |
| Universal Music Group Nv |  |  | 165 |  | 4212 |
| Uno Minda Ltd |  |  | 45 |  | 548 |
| Urbana Corp |  |  | 5 |  | 19 |
| Valmet Oyj |  |  | 7 |  | 176 |
| Valqua Ltd |  |  | 1 |  | 27 |
| Valuecommerce Co Ltd |  |  | 6 |  | 46 |
| Varun Beverages Ltd |  |  | 119 |  | 888 |
| Vector Inc |  |  | 13 |  | 85 |
| Vedant Fashions Ltd |  |  | 11 |  | 172 |
| Verallia Sa |  |  | 8 |  | 194 |
| Viaplay Group Ab |  |  | 373 |  | 23 |
| Victorian Plumbing Group Plc |  |  | 69 |  | 80 |
| Viel & Cie Sa |  |  | 3 |  | 34 |
| Viking Line Abp |  |  |  |  | 10 |
| Virbac Saca |  |  | 1 |  | 344 |
| Visional Inc |  |  | 3 |  | 131 |
| Vista Energy Sab De Cv |  |  | 15 |  | 821 |
| Vt Holdings Co Ltd |  |  | 33 |  | 104 |
| Vtech Holdings Ltd |  |  | 10 |  | 67 |
| Vz Holding Ag |  |  | 4 |  | 634 |
| Wacom Co Ltd |  |  | 11 |  | 53 |
| Waste Connections Inc |  |  | 30 |  | 5120 |
| Watches Of Switzerland Group P |  |  | 38 |  | 269 |
| Wave Life Sciences Ltd |  |  | 1 |  | 18 |
| Weatherford International Plc |  |  | 7 |  | 511 |
| Weg Sa |  |  | 169 |  | 1446 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Weir Group Plc/The |  |  | 11 |  | 306 |
| Wesdome Gold Mines Ltd |  |  | 24 |  | 216 |
| White Mountains Insurance Grou |  |  |  |  | 578 |
| Winway Technology Co Ltd |  |  | 12 |  | 407 |
| Wiwynn Corp |  |  | 12 |  | 931 |
| Wix.Com Ltd |  |  | 19 |  | 4183 |
| Worldline Sa/France |  |  | 22 |  | 193 |
| W-Scope Corp |  |  | 19 |  | 33 |
| Wus Printed Circuit Kunshan Co |  |  | 15 |  | 84 |
| Wuxi Xinje Electric Co Ltd |  |  | 19 |  | 110 |
| X-Fab Silicon Foundries Se |  |  | 21 |  | 107 |
| Xiamen Faratronic Co Ltd |  |  | 15 |  | 240 |
| Xiaomi Corp |  |  | 614 |  | 2725 |
| Xin Point Holdings Ltd |  |  | 182 |  | 101 |
| Xps Pensions Group Plc |  |  | 24 |  | 103 |
| Xrf Scientific Ltd |  |  | 11 |  | 13 |
| Xuji Electric Co Ltd |  |  | 52 |  | 197 |
| Yamabiko Corp |  |  | 5 |  | 85 |
| Yamagata Bank Ltd/The |  |  | 7 |  | 48 |
| Yamaha Corp |  |  | 31 |  | 221 |
| Yamaichi Electronics Co Ltd |  |  | 2 |  | 28 |
| Yamato Holdings Co Ltd |  |  | 23 |  | 260 |
| Yancoal Australia Ltd |  |  | 13 |  | 53 |
| Yangzijiang Financial Holding |  |  | 2116 |  | 644 |
| Yangzijiang Shipbuilding Holdi |  |  | 418 |  | 916 |
| Yankershop Food Co Ltd |  |  | 30 |  | 261 |
| Yantai Jereh Oilfield Services |  |  | 47 |  | 240 |
| Yokorei Co Ltd |  |  | 15 |  | 79 |
| Yokowo Co Ltd |  |  | 16 |  | 181 |
| Yossix Holdings Co Ltd |  |  | 2 |  | 49 |
| Yougov Plc |  |  | 43 |  | 224 |
| Ypf Sa |  |  | 20 |  | 852 |
| Yto Express Group Co Ltd |  |  | 61 |  | 118 |
| Yue Yuen Industrial Holdings L |  |  | 127 |  | 285 |
| Yunnan Aluminium Co Ltd |  |  | 103 |  | 190 |
| Yutaka Giken Co Ltd |  |  | 2 |  | 24 |
| Yutong Bus Co Ltd |  |  | 210 |  | 760 |
| Zacros Corp |  |  | 1 |  | 41 |
| Zalando Se |  |  | 150 |  | 5042 |
| Zalaris Asa |  |  | 2 |  | 13 |
| Zealand Pharma A/S |  |  | 3 |  | 259 |
| Zenkoku Hosho Co Ltd |  |  | 4 |  | 143 |
| Zeria Pharmaceutical Co Ltd |  |  | 2 |  | 32 |
| Zero Co Ltd |  |  | 3 |  | 55 |
| Zinzino Ab |  |  | 3 |  | 21 |
| Zozo Inc |  |  | 82 |  | 2567 |
| Zurich Insurance Group Ag |  |  | 10 |  | 5915 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
|  |  |  |  |  | $**1213200** |
| **Mutual funds and other registered investment companies** |  |  |  |  |  |
| Blackrock High Yield-K |  |  | 29811 |  | $211658 |
| Blackrock Instl Trr Co N A Inv |  |  | 1633 |  | 21045 |
| Blckrck Cash-Trsry-Inst |  |  | 2490034 |  | 2490034 |
| Dimensional Emrg Mrkts Ii |  |  | 9027 |  | 161408 |
| Fidelity Adv Ttl Bnd-Z |  |  | 4994 |  | 46896 |
| Pgim High Yield-R6 |  |  | 22147 |  | 105643 |
| Pimco Income Fund-Ins |  |  | 2248 |  | 23646 |
| T Rowe Pr Inst Hi Yld-Inst |  |  | 27041 |  | 211729 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total mutual funds and other registered investment companies** |  |  |  |  | $**3272059** |
| **Synthetic guaranteed invesment contracts (GICs):** |  |  |  |  |  |
| **American General Life Contract No. 725840** |  |  |  |  |  |
| Toyota Motor Corp | 1.34% | 3/25/2026 | 302 |  | 292 |
| Wells Fargo & Co | 3.58% | 5/22/2028 | 890 |  | 866 |
| Province Of Quebec | 0.60% | 7/23/2025 | 729 |  | 716 |
| Federal Home Loan Bank | 1.00% | 7/27/2026 | 712 |  | 679 |
| Federal Home Loan Bank | 1.05% | 8/13/2026 | 712 |  | 679 |
| Fnma 20Yr Pool Ma4620 | 3.50% | 4/1/2042 | 254 |  | 230 |
| Solventum Corp -- 144A W/Rr | 5.40% | 3/1/2029 | 178 |  | 182 |
| Merck & Co Inc | 1.45% | 6/24/2030 | 356 |  | 298 |
| Republic Of Peru | 3.30% | 3/11/2041 | 178 |  | 131 |
| Eog Resources Inc | 4.15% | 1/15/2026 | 231 |  | 235 |
| Resrvble For Fut & Opt | —% |  | 468 |  | 468 |
| Warnermedia Holdings Inc | 4.05% | 3/15/2029 | 285 |  | 268 |
| Gnma Ii 30Yr Pool Ma7192 | 2.00% | 2/20/2051 | 814 |  | 653 |
| Eog Resources | 4.38% | 4/15/2030 | 142 |  | 140 |
| Fhlmc 30Yr Pool Sd3553 | 6.00% | 7/1/2053 | 469 |  | 474 |
| Freddie Mac | 0.80% | 10/28/2026 | 712 |  | 669 |
| T-Mobile Usa Inc | 3.50% | 4/15/2025 | 516 |  | 517 |
| Us Treasury Note | 4.63% | 9/15/2026 | 89 |  | 91 |
| Bat Capital Corp | 2.26% | 3/25/2028 | 18 |  | 16 |
| Mplx Lp | 4.13% | 3/1/2027 | 712 |  | 711 |
| At&T Inc | 2.30% | 6/1/2027 | 142 |  | 135 |
| Anthem Inc | 4.10% | 5/15/2032 | 107 |  | 99 |
| Fhlmc Gold 30Yr Gold Pool G61040 | 3.50% | 6/1/2047 | 3060 |  | 2769 |
| Wells Fargo & Co | 2.88% | 10/30/2030 | 1085 |  | 985 |
| Slc Student Loan Trust 2008 1 A4A | 6.67% | 12/15/2032 | 716 |  | 727 |
| Charter Comm Opt Llc/Cap | 4.91% | 7/23/2025 | 276 |  | 281 |
| Philip Morris Intl Inc | 5.25% | 2/13/2034 | 53 |  | 54 |
| Us Bancorp | 1.45% | 5/12/2025 | 1067 |  | 1057 |
| Lowe's Companies Inc | 4.50% | 4/15/2030 | 356 |  | 352 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Intercontinentalexchange | 4.60% | 3/15/2033 | 71 |  | 69 |
| Home Depot Inc | 2.88% | 4/15/2027 | 1139 |  | 1107 |
| Cintas Corp No. 2 | 3.70% | 4/1/2027 | 36 |  | 35 |
| Micron Technology Inc | 5.88% | 2/9/2033 | 18 |  | 19 |
| Air Lease Corp | 5.30% | 2/1/2028 | 125 |  | 128 |
| J.P. Morgan Chase & Co. | 2.58% | 4/22/2032 | 107 |  | 92 |
| Fhlmc 30Yr Pool Sd3838 | 6.00% | 10/1/2053 | 787 |  | 802 |
| Enterprise Products Operating Llc | 4.15% | 10/16/2028 | 18 |  | 18 |
| Nike Inc | 2.75% | 3/27/2027 | 552 |  | 535 |
| Danske Bank A/S -- 144A | 6.26% | 9/22/2026 | 1139 |  | 1167 |
| Fhlmc 5483 Fd | 6.00% | 12/25/2054 | 193 |  | 194 |
| Cigna Corp | 2.40% | 3/15/2030 | 169 |  | 149 |
| Fhlmc 30Yr Pool Qe1719 | 4.00% | 5/1/2052 | 2199 |  | 2022 |
| Ally Auto Receivables Trust 2024 2 A3 | 4.14% | 7/16/2029 | 729 |  | 726 |
| Eqt Corp | 3.90% | 10/1/2027 | 178 |  | 175 |
| Adobe Inc | 2.30% | 2/1/2030 | 213 |  | 192 |
| Tenn Valley Authority | 3.88% | 3/15/2028 | 712 |  | 710 |
| Kroger Co | 5.00% | 9/15/2034 | 18 |  | 18 |
| Fhlmc 30Yr Pool Sd7555 | 3.00% | 8/1/2052 | 580 |  | 502 |
| Bank Of America Corp | 1.66% | 3/11/2027 | 801 |  | 775 |
| Cvs Health Corp | 3.63% | 4/1/2027 | 463 |  | 453 |
| Altria Group Inc | 2.45% | 2/4/2032 | 53 |  | 44 |
| Bat Capital Corp | 3.56% | 8/15/2027 | 14 |  | 14 |
| Gnma Ii 30Yr Pool Ma8199 | 3.50% | 8/20/2052 | 2529 |  | 2270 |
| Comcast Corp | 4.15% | 10/15/2028 | 71 |  | 70 |
| Bank 2023 Bnk46 A4 | 5.75% | 8/15/2056 | 569 |  | 589 |
| Verizon Communications | 4.78% | 2/15/2035 | 158 |  | 154 |
| Us Treasury Note | 4.63% | 4/30/2029 | 1352 |  | 1376 |
| Lockheed Martin Corp | 4.50% | 2/15/2029 | 231 |  | 233 |
| General Dynamics Corp | 3.75% | 5/15/2028 | 676 |  | 659 |
| Banco Santander Sa | 4.18% | 3/24/2028 | 356 |  | 352 |
| Fhlmc 20Yr Pool Rb0714 | 2.00% | 12/1/2041 | 697 |  | 584 |
| Abbvie Inc | 2.95% | 11/21/2026 | 1459 |  | 1422 |
| Pioneer Natural Resources Company | 1.13% | 1/15/2026 | 71 |  | 69 |
| Rtx Corp | 3.13% | 5/4/2027 | 160 |  | 155 |
| Broadcom Inc | 3.15% | 11/15/2025 | 409 |  | 406 |
| Gnma Ii 30Yr Pool Ma7650 | 3.00% | 10/20/2051 | 1218 |  | 1060 |
| Glencore Funding Llc | 5.37% | 4/4/2029 | 267 |  | 272 |
| Charles Schwab Corp | 1.15% | 5/13/2026 | 1103 |  | 1055 |
| Adp | 1.70% | 5/15/2028 | 463 |  | 423 |
| Brhea 2011-2 A3 | 6.45% | 10/27/2036 | 775 |  | 783 |
| Gnma Ii 30Yr Pool Ma4587 | 4.00% | 7/20/2047 | 363 |  | 340 |
| Diamondback Energy Inc | 3.13% | 3/24/2031 | 71 |  | 64 |
| Fhlmc 841703 Hybrid 10/1 Rfucct1Y+163.40 | 2.64% | 12/1/2050 | 315 |  | 289 |
| Fhlmc 30Yr Pool Qf4704 | 5.50% | 11/1/2052 | 1636 |  | 1634 |
| Natwest Group Plc | 5.85% | 3/2/2027 | 623 |  | 641 |
| Charles Schwab Corp | 2.30% | 5/13/2031 | 587 |  | 501 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Energy Transfer Partners Lp | 4.95% | 6/15/2028 | 427 |  | 427 |
| Bank5 2023-5Yr3 A2 | 6.26% | 9/15/2056 | 480 |  | 499 |
| Midamerican Energy Co | 3.65% | 4/15/2029 | 160 |  | 154 |
| Pacific Gas & Electric | 3.00% | 6/15/2028 | 213 |  | 200 |
| Waste Connections Inc | 5.00% | 3/1/2034 | 391 |  | 388 |
| Deere & Company | 3.10% | 4/15/2030 | 142 |  | 132 |
| Gilead Sciences Inc | 1.65% | 10/1/2030 | 231 |  | 194 |
| Bank 2021-Bn36 A5 | 2.47% | 9/15/2064 | 569 |  | 482 |
| Ford Motor Company 10Y Green Bond | 6.10% | 8/19/2032 | 142 |  | 145 |
| Fhlmc 20Yr Pool Rb5122 | 2.50% | 8/1/2041 | 758 |  | 653 |
| Kenvue Inc | 5.05% | 3/22/2028 | 338 |  | 347 |
| Eli Lilly & Co | 4.20% | 8/14/2029 | 71 |  | 71 |
| Us Bancorp | 5.78% | 6/12/2029 | 18 |  | 18 |
| American Express Co | 4.05% | 5/3/2029 | 18 |  | 17 |
| Morgan Stanley | 3.63% | 1/20/2027 | 1014 |  | 1011 |
| Western Gas Partners Lp | 4.75% | 8/15/2028 | 160 |  | 160 |
| Banco Santander Sa | 1.85% | 3/25/2026 | 356 |  | 344 |
| Texas Instruments Inc | 1.75% | 5/4/2030 | 302 |  | 259 |
| Gnma Ii 30Yr Pool 787228 | 6.00% | 1/20/2054 | 1751 |  | 1801 |
| Gnma Ii 30Yr Pool Ma7255 | 2.50% | 3/20/2051 | 1248 |  | 1046 |
| Ubscm 2017-C1 A3 | 3.20% | 6/15/2050 | 543 |  | 526 |
| T-Mobile Usa Inc | 5.15% | 4/15/2034 | 53 |  | 53 |
| Fhlmc Gold 30Yr Gold Pool G08693 | 3.50% | 3/1/2046 | 20 |  | 19 |
| Mbart 2024-1 A3 | 4.80% | 4/16/2029 | 694 |  | 698 |
| Bpr Trust 2022 Oana A | 6.30% | 4/15/2037 | 872 |  | 878 |
| Oneok Inc | 5.80% | 11/1/2030 | 89 |  | 92 |
| Unitedhealth Group Inc | 4.00% | 5/15/2029 | 445 |  | 432 |
| Vale Overseas Limited | 6.13% | 6/12/2033 | 818 |  | 828 |
| Cvs Health Corp | 3.75% | 4/1/2030 | 53 |  | 49 |
| Enterprise Products Operating Llc | 2.80% | 1/31/2030 | 623 |  | 570 |
| Aon North America Inc | 5.15% | 3/1/2029 | 302 |  | 309 |
| Ubs Group Ag | 3.87% | 1/12/2029 | 978 |  | 960 |
| Fhlmc 20Yr Pool Sc0093 | 2.00% | 10/1/2040 | 457 |  | 386 |
| Oneok Inc | 5.55% | 11/1/2026 | 160 |  | 164 |
| Slma 2005-9 A7A | 6.05% | 1/25/2041 | 1144 |  | 1157 |
| Continental Resources | 4.38% | 1/15/2028 | 267 |  | 265 |
| Procter & Gamble Co/The | 3.00% | 3/25/2030 | 623 |  | 579 |
| Williams Companies Inc | 2.60% | 3/15/2031 | 36 |  | 31 |
| Hsbc Holdings Plc | 4.58% | 6/19/2029 | 996 |  | 978 |
| Abbvie Inc | 4.80% | 3/15/2027 | 18 |  | 18 |
| Kreditanstalt Fuer Wiederaufbau | 0.38% | 7/18/2025 | 729 |  | 715 |
| Dell Int Llc / Emc Corp | 6.02% | 6/15/2026 | 64 |  | 65 |
| Us Treasury Note | 4.13% | 3/31/2029 | 8433 |  | 8439 |
| Fnma 20Yr Pool Ma4473 | 1.50% | 11/1/2041 | 141 |  | 114 |
| Bank 2024 Bnk48 A5 | 5.05% | 10/15/2057 | 587 |  | 580 |
| Nvidia Corp | 2.85% | 4/1/2030 | 231 |  | 213 |
| Reynolds American Inc | 4.45% | 6/12/2025 | 89 |  | 89 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| |<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| | At&T Inc | 4.10% | 2/15/2028 | 445 | | 442 |
| | Cvs Health Corp | 1.88% | 2/28/2031 | 18 | | 14 |
| | Trade Date Cash | —% | | (19) | | (19) |
| | Gnma Ii 30Yr Pool Ma6930 | 2.00% | 10/20/2050 | 646 | | 518 |
| | Alphabet Inc. | 1.10% | 8/15/2030 | 231 | | 193 |
| | Fhlmc 30Yr Pool Sd3663 | 5.50% | 8/1/2053 | 1571 | | 1565 |
| | Fhlmc 20Yr Pool Sc0160 | 2.00% | 7/1/2041 | 384 | | 323 |
| | Northrop Grumman Corp | 2.93% | 1/15/2025 | 534 | | 541 |
| | Enterprise Products Oper | 6.65% | 10/15/2034 | 71 | | 78 |
| | Bristol-Myers Squibb Co | 3.20% | 6/15/2026 | 302 | | 297 |
| | Fnma 30Yr Pool Ad0963 | 5.50% | 9/1/2038 | 24 | | 24 |
| | Rtx Corp | 6.00% | 3/15/2031 | 36 | | 38 |
| | Fhlmc 30Yr Pool Qf0152 | 4.50% | 9/1/2052 | 2228 | | 2107 |
| | Us Treasury Bill | —% | 1/23/2025 | 836 | | 834 |
| | Fhlmc 30Yr Pool Sd2410 | 6.00% | 2/1/2053 | 1038 | | 1055 |
| | Humana Inc | 5.75% | 12/1/2028 | 356 | | 364 |
| | Bristol-Myers Squibb Co | 5.10% | 2/22/2031 | 36 | | 36 |
| | Oneok Inc | 5.65% | 11/1/2028 | 285 | | 293 |
| | Bank Of America Corp | 2.59% | 4/29/2031 | 2188 | | 1932 |
| | Fnma 20Yr Pool Fs7180 | 2.00% | 5/1/2042 | 164 | | 136 |
| | Fnma 20Yr Pool Ma4643 | 3.00% | 5/1/2042 | 1430 | | 1264 |
| | Morgan Stanley | 5.47% | 1/18/2035 | 18 | | 18 |
| | Comcast Corp | 3.40% | 4/1/2030 | 320 | | 299 |
| | Comcast Corp | 3.15% | 3/1/2026 | 605 | | 602 |
| | Fnma 30Yr Pool Bv8534 | 3.00% | 5/1/2052 | 4905 | | 4204 |
| | Carmax Auto Owner Trust 2022 4 A3 | 5.34% | 8/16/2027 | 676 | | 681 |
| \* | Collective U.S. Gov't STIF 15 | —% |  | 3954 |  | 3965 |
|  | Boeing Co | 2.20% | 2/4/2026 | 480 |  | 470 |
|  | Bp Capital Markets America Inc. | 3.63% | 4/6/2030 | 18 |  | 17 |
|  | Enterprise Products Operating Llc | 3.13% | 7/31/2029 | 18 |  | 17 |
|  | The Home Depot Inc | 3.90% | 12/6/2028 | 409 |  | 400 |
|  | Diamondback Energy Inc | 3.25% | 12/1/2026 | 249 |  | 243 |
|  | Anheuser-Busch Inbev Worldwide Inc | 4.75% | 1/23/2029 | 391 |  | 399 |
|  | Fnma Balloon Pool Bs9885 | 5.61% | 11/1/2033 | 529 |  | 553 |
|  | Constellation Brands Inc | 2.25% | 8/1/2031 | 36 |  | 30 |
|  | Energy Transfer Operating | 3.75% | 5/15/2030 | 213 |  | 200 |
|  | Columbia Pipeline Holdco -- 144A | 6.04% | 8/15/2028 | 943 |  | 987 |
|  | Mplx Lp | 4.80% | 2/15/2029 | 142 |  | 144 |
|  | Fnma Balloon Pool Bs9335 | 4.82% | 8/1/2033 | 356 |  | 353 |
|  | Warnermedia Holdings Inc | 3.76% | 3/15/2027 | 409 |  | 399 |
|  | Altria Group Inc | 6.20% | 11/1/2028 | 818 |  | 859 |
|  | Us Treasury Note | 4.25% | 2/28/2029 | 640 |  | 647 |
|  | Williams Companies Inc | 3.75% | 6/15/2027 | 356 |  | 347 |
|  | Gnma Ii 30Yr Pool Ma8725 | 5.00% | 3/20/2053 | 1402 |  | 1370 |
|  | State Of Israel | 5.50% | 3/12/2034 | 356 |  | 354 |
|  | Columbia Pipelines Opco -- 144A | 6.04% | 11/15/2033 | 142 |  | 147 |
|  | Abbvie Inc | 3.60% | 5/14/2025 | 302 |  | 303 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Lam Research Corp | 1.90% | 6/15/2030 | 391 |  | 335 |
| Bnp Paribas -- 144A No Rr | 5.89% | 12/5/2034 | 712 |  | 731 |
| Amxca 2024-1 A | 5.23% | 4/15/2029 | 890 |  | 905 |
| Paypal Holdings Inc | 2.30% | 6/1/2030 | 142 |  | 125 |
| Fnma 20Yr Pool Ma4586 | 2.00% | 4/1/2042 | 146 |  | 122 |
| Philip Morris Intl Inc | 5.13% | 2/13/2031 | 18 |  | 18 |
| Lockheed Martin Corp | 3.90% | 6/15/2032 | 249 |  | 232 |
| Republic Of Indonesia | 4.85% | 1/11/2033 | 587 |  | 581 |
| Fnma 20Yr Pool Ma4333 | 2.00% | 5/1/2041 | 1677 |  | 1404 |
| Abbvie Inc | 4.80% | 3/15/2029 | 267 |  | 270 |
| Unitedhealth Group Incorporated | 2.30% | 5/15/2031 | 231 |  | 197 |
| Oracle Corp | 1.65% | 3/25/2026 | 320 |  | 310 |
| Gnma Ii 30Yr Pool Ma8879 | 5.50% | 5/20/2053 | 456 |  | 456 |
| Paypal Holdings Inc | 1.65% | 6/1/2025 | 302 |  | 299 |
| Bristol-Myers Squibb Co | 5.20% | 2/22/2034 | 213 |  | 217 |
| Morgan Stanley | 5.32% | 7/19/2035 | 178 |  | 179 |
| Mcdonald's Corp | 3.60% | 7/1/2030 | 231 |  | 221 |
| Fnma 30Yr Pool Ca5504 | 2.50% | 4/1/2050 | 6574 |  | 5459 |
| Tesla Auto Lease Trust 2023 A A3 | 5.89% | 6/22/2026 | 829 |  | 834 |
| Transcont Gas Pipe Line | 3.25% | 5/15/2030 | 498 |  | 456 |
| Meta Platforms Inc | 4.75% | 8/15/2034 | 53 |  | 53 |
| Fnma Balloon Pool Bs9339 | 4.82% | 8/1/2033 | 1245 |  | 1240 |
| Pacific Gas & Electric | 5.55% | 5/15/2029 | 302 |  | 309 |
| Eli Lilly & Co | 4.50% | 2/9/2029 | 302 |  | 306 |
| Us Treasury Note | 4.13% | 11/30/2029 | 409 |  | 406 |
| Eli Lilly & Co | 4.70% | 2/9/2034 | 427 |  | 422 |
| Virginia Electric And Power Co | 3.15% | 1/15/2026 | 53 |  | 53 |
| Us Treasury Note | 4.25% | 10/15/2025 | 15762 |  | 15910 |
| Cigna Group/The | 4.38% | 10/15/2028 | 302 |  | 299 |
| Aercap Ireland Cap/Globa | 3.00% | 10/29/2028 | 267 |  | 248 |
| Bat Capital Corp | 6.00% | 2/20/2034 | 71 |  | 75 |
| Solventum Corp -- 144A W/Rr | 5.45% | 3/13/2031 | 142 |  | 145 |
| Fnma 30Yr Pool Bx8833 | 5.00% | 3/1/2053 | 2048 |  | 1992 |
| Us Inflation-Linked Treasury Note | 1.88% | 7/15/2034 | 1904 |  | 1874 |
| Navistar Financial Dealer Note Master Trust 2024 1 A | 5.59% | 4/25/2029 | 587 |  | 594 |
| T-Mobile Usa Inc | 3.88% | 4/15/2030 | 213 |  | 203 |
| Bp Cap Markets America | 3.12% | 5/4/2026 | 463 |  | 457 |
| Alpek Sa De Cv | 3.25% | 2/25/2031 | 1014 |  | 873 |
| Us Treasury Bill | —% | 3/20/2025 | 552 |  | 547 |
| Mastercard Inc | 3.35% | 3/26/2030 | 160 |  | 151 |
| Berkshire Hathaway Energ | 3.70% | 7/15/2030 | 36 |  | 34 |
| Fnma 30Yr Pool Cb8226 | 6.50% | 3/1/2054 | 152 |  | 157 |
| Fhlmc 20Yr Pool Rb5105 | 2.00% | 3/1/2041 | 123 |  | 103 |
| Verizon Communications Inc. | 2.55% | 3/21/2031 | 527 |  | 457 |
| Fnma 20Yr Pool Ma4387 | 2.00% | 7/1/2041 | 130 |  | 108 |
| Fhlmc 20Yr Pool Rb5071 | 2.00% | 9/1/2040 | 395 |  | 333 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Gnma Ii 30Yr Pool Ma6994 | 2.00% | 11/20/2050 | 1983 |  | 1593 |
| Oracle Corp | 4.65% | 5/6/2030 | 107 |  | 106 |
| Fnma 30Yr Pool Fm3241 | 3.00% | 3/1/2050 | 1233 |  | 1069 |
| Fnma 20Yr Pool Ma4072 | 2.50% | 7/1/2040 | 501 |  | 437 |
| Fhlmc 20Yr Pool Sc0206 | 2.00% | 11/1/2041 | 263 |  | 220 |
| Costco Wholesale Corp | 1.38% | 6/20/2027 | 320 |  | 298 |
| Fnma 20Yr Pool Fs7170 | 2.00% | 8/1/2042 | 331 |  | 277 |
| Lloyds Banking Group Plc | 3.57% | 11/7/2028 | 445 |  | 429 |
| Us Treasury Bond | 3.00% | 8/15/2048 | 160 |  | 119 |
| Ing Groep Nv | 4.05% | 4/9/2029 | 534 |  | 517 |
| Louisiana St Local Govt Envrnm | 4.28% | 2/1/2036 | 801 |  | 772 |
| Avis Budget Rental Car Funding Aesop Llc 2023 8A A | 6.02% | 2/20/2030 | 605 |  | 628 |
| Fhlmc 30Yr Pool Sd2991 | 2.50% | 9/1/2051 | 154 |  | 128 |
| Philip Morris International Inc | 2.10% | 5/1/2030 | 534 |  | 463 |
| Fnma 30Yr Pool Ma4236 | 1.50% | 1/1/2051 | 412 |  | 305 |
| Gnma Ii 30Yr Pool 786843 | 3.00% | 3/20/2052 | 155 |  | 133 |
| Truist Financial Corp | 6.05% | 6/8/2027 | 142 |  | 145 |
| T-Mobile Usa Inc | 3.75% | 4/15/2027 | 178 |  | 175 |
| Honeywell International | 4.95% | 9/1/2031 | 587 |  | 596 |
| Gnma Ii 30Yr Pool Ma8723 | 4.00% | 3/20/2053 | 631 |  | 584 |
| Amazon.Com Inc | 2.10% | 5/12/2031 | 231 |  | 198 |
| Salesforce.Com Inc | 3.70% | 4/11/2028 | 18 |  | 17 |
| Fnma 30Yr Pool Fm8648 | 3.00% | 9/1/2051 | 126 |  | 109 |
| Fnma 20Yr Pool Ma4202 | 1.50% | 12/1/2040 | 1561 |  | 1256 |
| Fnma 20Yr Pool Ma4587 | 2.50% | 4/1/2042 | 85 |  | 73 |
| Solventum Corp -- 144A W/Rr | 5.60% | 3/23/2034 | 249 |  | 251 |
| Us Treasury Note | 4.63% | 11/15/2026 | 53 |  | 54 |
| Pfizer Inc | 2.63% | 4/1/2030 | 71 |  | 64 |
| Abbvie Inc | 3.20% | 11/21/2029 | 445 |  | 414 |
| Bank 2018 Bn10 A5 | 3.69% | 2/15/2061 | 605 |  | 584 |
| Fhlmc 20Yr Pool Sc0459 | 2.00% | 8/1/2042 | 325 |  | 273 |
| Pioneer Natural Resource | 1.90% | 8/15/2030 | 107 |  | 92 |
| Walmart Inc | 2.38% | 9/24/2029 | 89 |  | 82 |
| Us Treasury Note | 4.63% | 9/30/2030 | 374 |  | 381 |
| Pioneer Natural Resources Company | 2.15% | 1/15/2031 | 320 |  | 275 |
| Coterra Energy Inc | 4.38% | 3/15/2029 | 249 |  | 244 |
| America Movil Sab De Cv - 10Yr | 2.88% | 5/7/2030 | 801 |  | 717 |
| Humana Inc | 3.70% | 3/23/2029 | 196 |  | 187 |
| Diamondback Energy Inc | 3.50% | 12/1/2029 | 285 |  | 266 |
| Wells Fargo & Company | 3.00% | 4/22/2026 | 1299 |  | 1278 |
| Fhlmc 30Yr Pool Sd4169 | 6.50% | 10/1/2053 | 791 |  | 817 |
| Unitedhealth Group Incorporated | 1.15% | 5/15/2026 | 961 |  | 920 |
| Us Treasury Note | 4.25% | 12/31/2025 | 196 |  | 196 |
| Us Treasury Note | 4.13% | 7/31/2031 | 676 |  | 674 |
| Jp Morgan Chase Commercial Mortgage Sec Trust 2016 Nine A | 2.85% | 9/6/2038 | 640 |  | 616 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Aercap Ireland Cap/Globa | 1.75% | 1/30/2026 | 712 |  | 694 |
| Us Inflation-Linked Treasury Note | 1.13% | 1/15/2033 | 605 |  | 593 |
| J.P. Morgan Chase & Co. | 4.01% | 4/23/2029 | 2135 |  | 2085 |
| Bristol-Myers Squibb Co | 4.95% | 2/20/2026 | 18 |  | 18 |
| Bank 2019 Bn22 A4 | 2.98% | 11/15/2062 | 658 |  | 595 |
| Gnma Ii 30Yr Pool Ma8726 | 5.50% | 3/20/2053 | 435 |  | 435 |
| General Dynamics Corp | 3.63% | 4/1/2030 | 18 |  | 17 |
| Verizon Communications Inc. | 3.15% | 3/22/2030 | 302 |  | 279 |
| Intel Corp | 3.75% | 3/25/2027 | 267 |  | 263 |
| Charter Comm Opt Llc/Cap | 3.75% | 2/15/2028 | 178 |  | 172 |
| Pfizer Inc | 1.70% | 5/28/2030 | 338 |  | 288 |
| Us Treasury Note | 4.50% | 5/31/2029 | 107 |  | 108 |
| Goldman Sachs Group Inc | 2.62% | 4/22/2032 | 658 |  | 564 |
| Fnma 20Yr Pool Ma4540 | 2.00% | 2/1/2042 | 141 |  | 117 |
| Western Midstream Operat | 6.35% | 1/15/2029 | 836 |  | 891 |
| Republic Services Inc | 3.20% | 3/15/2025 | 107 |  | 107 |
| Cvs Health Corp | 4.30% | 3/25/2028 | 302 |  | 297 |
| Us Treasury Note | 3.88% | 8/15/2034 | 18 |  | 17 |
| Pnc Financial Services | 5.81% | 6/12/2026 | 267 |  | 269 |
| Air Lease Corp | 1.88% | 8/15/2026 | 1494 |  | 1435 |
| Royal Bank Of Canada | 1.15% | 6/10/2025 | 783 |  | 771 |
| Coterra Energy Inc | 3.90% | 5/15/2027 | 605 |  | 594 |
| Bacct 2023-A2 A2 | 4.98% | 11/15/2028 | 890 |  | 900 |
| Southern Copper Corporation | 3.88% | 4/23/2025 | 267 |  | 267 |
| Fhlmc 20Yr Pool Rb5121 | 2.00% | 8/1/2041 | 267 |  | 223 |
| Fhlmc 20Yr Pool Sc0209 | 2.50% | 11/1/2041 | 2680 |  | 2313 |
| Ebay Inc | 1.40% | 5/10/2026 | 427 |  | 410 |
| Gnma Ii 30Yr Pool Ma8268 | 4.50% | 9/20/2052 | 1669 |  | 1590 |
| Constellation Brands Inc | 4.35% | 5/9/2027 | 142 |  | 142 |
| T-Mobile Usa Inc | 2.55% | 2/15/2031 | 694 |  | 603 |
| Fox Corp | 6.50% | 10/13/2033 | 71 |  | 76 |
| Fnma Balloon Pool Am8674 | 2.81% | 4/1/2025 | 160 |  | 159 |
| Fhlmc 30Yr Pool Qd1259 | 2.00% | 11/1/2051 | 4291 |  | 3387 |
| Kenvue Inc | 5.35% | 3/22/2026 | 285 |  | 292 |
| Us Treasury Note | 4.88% | 10/31/2028 | 463 |  | 475 |
| Bank Of Montreal | 1.85% | 5/1/2025 | 249 |  | 247 |
| Amazon.Com Inc | 3.15% | 8/22/2027 | 1014 |  | 992 |
| Morgan Stanley | 3.59% | 7/22/2028 | 587 |  | 576 |
| Gnma 2021 2 Ah | 1.50% | 6/16/2063 | 293 |  | 213 |
| Toronto-Dominion Bank | 1.15% | 6/12/2025 | 623 |  | 613 |
| Visa Inc | 3.15% | 12/14/2025 | 125 |  | 123 |
| Freddie Mac | 0.65% | 10/27/2025 | 712 |  | 692 |
| Us Treasury Note | 3.50% | 9/30/2026 | 36 |  | 35 |
| Us Treasury Note | 5.00% | 8/31/2025 | 160 |  | 164 |
| Republic Of Indonesia | 3.85% | 7/18/2027 | 534 |  | 529 |
| Las Vegas Sands Corp | 6.00% | 8/15/2029 | 71 |  | 75 |
| Gnma Ii 30Yr Pool Ma4720 | 4.00% | 9/20/2047 | 795 |  | 744 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Fhlmc 20Yr Pool Sc0188 | 2.00% | 9/1/2041 | 130 |  | 109 |
| Us Treasury Note | 0.38% | 1/31/2026 | 19659 |  | 18892 |
| Mondelez International Inc | 1.50% | 5/4/2025 | 409 |  | 405 |
| Fhlmc Gold 30Yr Gold Pool G08687 | 3.50% | 1/1/2046 | 908 |  | 824 |
| Bank Of Nova Scotia | 1.30% | 6/11/2025 | 125 |  | 123 |
| Apple Inc | 2.45% | 8/4/2026 | 978 |  | 959 |
| Foundry Jv Holdco Llc -- 144A | 5.90% | 1/25/2030 | 712 |  | 748 |
| Credit Suisse Group Ag -144A | 6.44% | 8/11/2028 | 890 |  | 941 |
| Fnma Balloon Pool Am3347 | 3.31% | 5/1/2033 | 137 |  | 125 |
| Goldman Sachs Group Inc | 3.85% | 1/26/2027 | 3309 |  | 3301 |
| Devon Energy Corporation | 5.20% | 9/15/2034 | 196 |  | 189 |
| Gnma Ii 30Yr Pool 787236 | 6.50% | 1/20/2054 | 298 |  | 309 |
| Charter Communications Operating Llc | 5.05% | 3/30/2029 | 445 |  | 442 |
| Shell Finance Us Inc | 2.75% | 4/6/2030 | 196 |  | 178 |
| Hyundai Capital America | 5.95% | 9/21/2026 | 196 |  | 202 |
| Cigna Group/The | 3.25% | 4/15/2025 | 605 |  | 606 |
| Altria Group Inc | 4.40% | 2/14/2026 | 89 |  | 90 |
| United Mexican States | 3.50% | 2/12/2034 | 1067 |  | 867 |
| Ubs Group Ag | 1.36% | 1/30/2027 | 890 |  | 860 |
| Exxon Mobil Corp | 3.04% | 3/1/2026 | 747 |  | 743 |
| Cooperatieve Rabobank Ua | 4.38% | 8/4/2025 | 445 |  | 449 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total American General Life Contract No. 725840** |  |  |  |  | $215262 |
| **American United Life Insurance Company: S00020** |  |  |  |  |  |
| AMXCA 2022-4 A | 5.18% | 10/15/2025 | 834 |  | 839 |
| AEPWV 2013-1 A2 | 3.77% | 8/1/2028 | 2224 |  | 1622 |
| BBCMS 2022-C18 A2 | 5.50% | 11/15/2027 | 1663 |  | 1691 |
| BMWOT 2022-A A3 | 3.21% | 8/25/2025 | 304 |  | 99 |
| BANK5 2024-5YR7 A3 | 5.77% | 6/15/2029 | 1779 |  | 1828 |
| BANK 2023-BNK45 A2 | 5.66% | 2/15/2028 | 741 |  | 757 |
| BMARK 2024-V9 A3 | 5.60% | 8/15/2057 | 1338 |  | 1366 |
| CD 2016-CD2 A3 | 3.25% | 10/13/2026 | 1512 |  | 1401 |
| DBJPM 2017-C6 A4 | 3.07% | 5/10/2027 | 1779 |  | 1703 |
| DTRT 2023-1 A3 | 5.90% | 3/15/2027 | 1783 |  | 1805 |
| DCENT 2022-A3 A3 | 3.56% | 7/15/2025 | 2197 |  | 2189 |
| FNR 2014-81 VE | 3.00% | 4/25/2025 | 2846 |  | 591 |
| FNR 2017-104 PA | 3.00% | 9/25/2028 | 11030 |  | 1263 |
| FNR 2022-29 NQ | 4.00% | 4/27/2026 | 2669 |  | 1063 |
| FNR 2022-50 A | 4.50% | 6/25/2026 | 2758 |  | 792 |
| FNR 2022-54 DA | 4.50% | 9/25/2030 | 1868 |  | 1048 |
| FHR 3919 AY | 4.00% | 9/15/2031 | 2162 |  | 762 |
| FHR 4571 CA | 2.50% | 11/17/2025 | 7294 |  | 766 |
| FHR 5057 AB | 2.50% | 7/25/2028 | 4768 |  | 2318 |
| FHR 4888 CB | 3.00% | 5/15/2028 | 9785 |  | 1347 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| FHR 5009 GD | 2.50% | 5/25/2029 | 3380 |  | 944 |
| FHR 5254 A | 4.50% | 10/25/2030 | 2651 |  | 1417 |
| FHR 5263 EA | 4.00% | 5/25/2029 | 2197 |  | 1501 |
| FNR 2011-36 QB | 4.00% | 7/25/2030 | 4892 |  | 1302 |
| FORDO 2022-B A3 | 4.41% | 5/15/2025 | 519 |  | 190 |
| GNR 2015-16 GM | 2.00% | 9/22/2025 | 11030 |  | 109 |
| GNR 2020-74 DC | 1.00% | 10/20/2027 | 7116 |  | 1224 |
| GNR 2021-78 D | 2.50% | 1/20/2031 | 3736 |  | 1801 |
| GNR 2022-85 KA | 4.00% | 4/20/2026 | 2846 |  | 1333 |
| GNR 2022-100 KA | 4.00% | 7/20/2026 | 2224 |  | 617 |
| GNR 2022-107 A | 3.00% | 2/20/2026 | 2580 |  | 776 |
| JDOT 2022-B A3 | 3.74% | 2/17/2026 | 913 |  | 556 |
| JDOT 2023-A A3 | 5.01% | 11/16/2026 | 726 |  | 731 |
| MBART 2022-1 A3 | 5.21% | 5/15/2026 | 1349 |  | 947 |
| NAROT 2022-B A3 | 4.46% | 3/16/2026 | 1615 |  | 1213 |
| PCG 4.838 06/01/33 | 4.84% | 6/1/2033 | 1708 |  | 1729 |
| T 2 5/8 04/15/25 | 2.63% | 4/15/2025 | 1025 |  | 1026 |
| T 2 3/4 05/15/25 | 2.75% | 5/15/2025 | 333 |  | 332 |
| T 2 7/8 06/15/25 | 2.88% | 6/16/2025 | 997 |  | 992 |
| T 3 07/15/25 | 3.00% | 7/15/2025 | 4101 |  | 4131 |
| WOART 2022-B A3 | 3.25% | 11/17/2025 | 584 |  | 322 |
| WOART 2022-C A3 | 3.66% | 2/17/2026 | 1147 |  | 909 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total American United Life Insurance Company: S00020** |  |  |  |  | $49352 |
| **Prudential GA 62194** |  |  |  |  |  |
| TREASURY NOTE | 2.88% | 5/15/2028 | 160 |  | 154 |
| TREASURY NOTE | 0.50% | 10/31/2027 | 14446 |  | 13013 |
| TREASURY NOTE | 0.75% | 4/30/2026 | 6992 |  | 6687 |
| TREASURY NOTE | 0.75% | 5/31/2026 | 7259 |  | 6918 |
| TREASURY NOTE | 1.25% | 11/30/2026 | 4599 |  | 4353 |
| TREASURY NOTE | 1.50% | 11/30/2028 | 4243 |  | 3816 |
| TREASURY NOTE | 2.75% | 5/31/2029 | 2686 |  | 2518 |
| TREASURY NOTE | 2.75% | 7/31/2027 | 10950 |  | 10671 |
| TREASURY NOTE | 2.75% | 8/15/2032 | 10069 |  | 9035 |
| TREASURY NOTE | 3.13% | 8/31/2029 | 7810 |  | 7480 |
| TREASURY NOTE | 3.88% | 8/15/2033 | 13316 |  | 12872 |
| TREASURY NOTE | 4.63% | 9/30/2030 | 7632 |  | 7793 |
| TREASURY NOTE | 4.25% | 12/31/2025 | 3327 |  | 3328 |
| TREASURY NOTE | 4.00% | 1/15/2027 | 9465 |  | 9592 |
| TREASURY NOTE | 4.25% | 2/28/2031 | 6582 |  | 6603 |
| TREASURY NOTE | 4.38% | 7/15/2027 | 9093 |  | 9300 |
| TREASURY NOTE | 4.25% | 11/15/2034 | 2083 |  | 2041 |
| TREASURY NOTE | 4.13% | 11/15/2027 | 2491 |  | 2493 |
| TREASURY NOTE | 4.50% | 12/31/2031 | 1250 |  | 1251 |
| TREASURY NOTE | 4.38% | 12/31/2029 | 2491 |  | 2489 |
| FHLB | 1.25% | 7/23/2030 | 463 |  | 385 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| FHLB | 1.75% | 6/20/2031 | 125 |  | 103 |
| FFCB | 1.48% | 11/26/2032 | 125 |  | 96 |
| FFCB | 1.57% | 9/23/2030 | 552 |  | 465 |
| FFCB | 1.77% | 2/4/2031 | 160 |  | 136 |
| FHLMC | 1.22% | 8/19/2030 | 240 |  | 198 |
| FNMA | 6.63% | 11/15/2030 | 463 |  | 517 |
| FNMA | 0.88% | 8/5/2030 | 36 |  | 29 |
| FNMA | —% | 3/17/2031 | 142 |  | 106 |
| PEFCO | 1.40% | 7/15/2028 | 1797 |  | 1623 |
| TVA | —% | 7/15/2034 | 27 |  | 16 |
| FGOLD 30YR GIANT | 5.50% | 1/1/2035 | 28 |  | 29 |
| FGOLD 30YR GIANT | 4.50% | 6/1/2039 | 38 |  | 37 |
| FGOLD 30YR GIANT | 4.00% | 11/1/2039 | 122 |  | 116 |
| FGOLD 30YR GIANT | 4.50% | 12/1/2039 | 71 |  | 69 |
| FGOLD 30YR GIANT | 5.50% | 1/1/2040 | 38 |  | 39 |
| FGOLD 30YR GIANT | 4.00% | 12/1/2040 | 94 |  | 89 |
| FGOLD 30YR GIANT | 4.00% | 12/1/2040 | 109 |  | 104 |
| FGOLD 30YR GIANT | 4.00% | 2/1/2041 | 202 |  | 192 |
| FGOLD 30YR GIANT | 4.50% | 4/1/2041 | 265 |  | 259 |
| FGOLD 30YR GIANT | 3.00% | 6/1/2042 | 131 |  | 116 |
| FGOLD 30YR GIANT | 3.50% | 9/1/2042 | 221 |  | 203 |
| FGOLD 15YR GIANT | 3.00% | 1/1/2032 | 208 |  | 199 |
| FGOLD 15YR GIANT | 2.00% | 1/1/2032 | 128 |  | 119 |
| FGOLD 30YR GIANT | 4.00% | 8/1/2047 | 127 |  | 118 |
| FGOLD 30YR GIANT | 4.50% | 8/1/2047 | 135 |  | 129 |
| FGOLD 30YR GIANT | 5.50% | 6/1/2038 | 180 |  | 184 |
| FGOLD 30YR GIANT | 4.50% | 10/1/2039 | 153 |  | 149 |
| FGOLD 30YR GIANT | 4.50% | 11/1/2039 | 30 |  | 29 |
| FGOLD 30YR GIANT | 3.50% | 5/1/2045 | 357 |  | 324 |
| FGOLD 30YR GIANT | 4.00% | 11/1/2045 | 222 |  | 208 |
| FGOLD 30YR GIANT | 3.50% | 12/1/2045 | 549 |  | 499 |
| FGOLD 30YR GIANT | 4.00% | 12/1/2046 | 179 |  | 167 |
| FGOLD 30YR GIANT | 3.00% | 1/1/2047 | 337 |  | 295 |
| FGOLD 30YR GIANT | 3.00% | 2/1/2047 | 746 |  | 652 |
| FGOLD 15YR GIANT | 2.50% | 12/1/2031 | 91 |  | 86 |
| FGOLD 20YR | 3.00% | 1/1/2037 | 118 |  | 109 |
| FGOLD 20YR | 3.50% | 11/1/2037 | 95 |  | 89 |
| FGOLD 20YR | 3.00% | 12/1/2037 | 84 |  | 77 |
| FGOLD 15YR | 4.00% | 6/1/2026 | 10 |  | 10 |
| FGOLD 15YR | 4.00% | 7/1/2026 | 13 |  | 13 |
| FGOLD 30YR | 3.00% | 12/1/2042 | 293 |  | 260 |
| FGOLD 30YR | 3.00% | 10/1/2042 | 173 |  | 154 |
| FGOLD 30YR | 3.00% | 1/1/2043 | 495 |  | 441 |
| FGOLD 30YR | 4.00% | 11/1/2040 | 84 |  | 79 |
| FGOLD 30YR | 4.00% | 12/1/2040 | 246 |  | 233 |
| FGOLD 15YR | 2.50% | 8/1/2028 | 50 |  | 49 |
| FGOLD 15YR | 3.00% | 8/1/2029 | 86 |  | 83 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| FGOLD 15YR | 2.50% | 4/1/2031 | 102 |  | 97 |
| FGOLD 15YR | 2.50% | 7/1/2031 | 91 |  | 86 |
| FHLMC 30YR UMBS MIRROR | 2.50% | 10/1/2046 | 87 |  | 73 |
| FHLMC 30YR UMBS MIRROR | 4.00% | 7/1/2048 | 24 |  | 22 |
| FHLMC 30YR UMBS MIRROR | 4.50% | 12/1/2048 | 166 |  | 159 |
| FHLMC 15YR UMBS SUPER | 1.50% | 9/1/2036 | 853 |  | 736 |
| FHLMC 15YR UMBS SUPER | 1.50% | 1/1/2037 | 167 |  | 144 |
| FHLMC 15YR UMBS SUPER | 2.50% | 10/1/2035 | 552 |  | 509 |
| FHLMC 30YR UMBS SUPER | 2.00% | 2/1/2051 | 1537 |  | 1207 |
| FHLMC 30YR UMBS SUPER | 1.50% | 11/1/2050 | 622 |  | 461 |
| FHLMC 30YR UMBS SUPER | 2.00% | 12/1/2050 | 2511 |  | 1973 |
| FHLMC 30YR UMBS SUPER | 2.00% | 3/1/2051 | 694 |  | 544 |
| FHLMC 30YR UMBS SUPER | 2.50% | 4/1/2051 | 2579 |  | 2121 |
| FHLMC 30YR UMBS SUPER | 5.50% | 11/1/2052 | 824 |  | 820 |
| FHLMC 30YR UMBS SUPER | 5.50% | 11/1/2053 | 1558 |  | 1551 |
| FGOLD 30YR | 5.00% | 8/1/2041 | 223 |  | 222 |
| FGOLD 30YR | 5.00% | 7/1/2041 | 24 |  | 24 |
| FHLMC GOLD 30YR | 2.50% | 1/1/2043 | 214 |  | 184 |
| FHLMC GOLD 30YR | 3.00% | 2/1/2043 | 389 |  | 347 |
| FHLMC GOLD 30YR | 3.50% | 9/1/2043 | 300 |  | 274 |
| FHLMC GOLD 15YR CASH ISSUANCE | 3.00% | 6/1/2029 | 142 |  | 139 |
| FHLMC GOLD 15YR CASH ISSUANCE | 3.00% | 6/1/2029 | 200 |  | 195 |
| FHLMC GOLD 30YR | 3.50% | 12/1/2046 | 134 |  | 121 |
| FHLMC GOLD 30YR | 4.50% | 7/1/2047 | 74 |  | 71 |
| FHLMC GOLD 30YR | 4.00% | 1/1/2048 | 187 |  | 174 |
| FHLMC 30YR UMBS | 2.50% | 10/1/2051 | 2965 |  | 2455 |
| FHLMC 20YR UMBS | 2.00% | 6/1/2040 | 553 |  | 466 |
| FHLMC 20YR UMBS | 4.50% | 10/1/2042 | 443 |  | 425 |
| FNMA 30YR | 5.50% | 5/1/2037 | 42 |  | 43 |
| FNMA 30YR | 5.50% | 6/1/2033 | 52 |  | 53 |
| FNMA 30YR | 5.50% | 10/1/2033 | 65 |  | 66 |
| FNMA 30YR | 4.00% | 12/1/2040 | 160 |  | 152 |
| FNMA 30YR | 4.00% | 1/1/2041 | 184 |  | 175 |
| FNMA 30YR | 4.50% | 2/1/2041 | 419 |  | 408 |
| FNMA 30YR | 4.00% | 2/1/2041 | 90 |  | 85 |
| FNMA 30YR | 4.00% | 1/1/2042 | 233 |  | 221 |
| FNMA 30YR | 3.00% | 10/1/2043 | 36 |  | 32 |
| FNMA 30YR | 5.00% | 12/1/2034 | 126 |  | 126 |
| FNMA 15YR | 3.00% | 5/1/2027 | 68 |  | 67 |
| FNMA 30YR | 4.50% | 5/1/2039 | 48 |  | 47 |
| FNMA 30YR | 3.50% | 8/1/2042 | 338 |  | 309 |
| FNMA 30YR | 3.50% | 5/1/2042 | 606 |  | 555 |
| FNMA 30YR | 3.00% | 12/1/2042 | 198 |  | 176 |
| FNMA 30YR | 3.00% | 1/1/2043 | 396 |  | 352 |
| FNMA 30YR | 3.00% | 2/1/2043 | 533 |  | 473 |
| FNMA 30YR | 3.00% | 7/1/2043 | 221 |  | 196 |
| FNMA 30YR | 3.50% | 3/1/2043 | 330 |  | 302 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| FNMA 30YR | 3.00% | 10/1/2043 | 115 |  | 102 |
| FNMA 15YR | 3.00% | 8/1/2028 | 93 |  | 91 |
| FNMA 30YR | 4.00% | 9/1/2044 | 141 |  | 132 |
| FNMA 30YR | 4.00% | 7/1/2045 | 122 |  | 114 |
| FNMA 30YR | 3.50% | 5/1/2045 | 380 |  | 345 |
| FNMA 30YR | 3.50% | 6/1/2045 | 477 |  | 433 |
| FNMA 15YR | 3.00% | 12/1/2030 | 86 |  | 83 |
| FNMA 30YR | 4.00% | 12/1/2045 | 195 |  | 183 |
| FNMA 30YR | 3.50% | 4/1/2046 | 196 |  | 177 |
| FNMA 30YR | 4.00% | 7/1/2046 | 42 |  | 39 |
| FNMA 15YR | 2.00% | 8/1/2031 | 145 |  | 135 |
| FNMA 30YR | 2.50% | 9/1/2046 | 266 |  | 224 |
| FNMA 20YR | 3.00% | 11/1/2036 | 293 |  | 270 |
| FNMA 30YR | 3.00% | 11/1/2046 | 295 |  | 258 |
| FNMA 30YR | 3.00% | 12/1/2046 | 86 |  | 75 |
| FNMA 30YR | 3.50% | 12/1/2046 | 373 |  | 337 |
| FNMA 30YR | 3.00% | 1/1/2047 | 932 |  | 813 |
| FNMA 30YR | 4.00% | 2/1/2047 | 346 |  | 323 |
| FNMA 15YR | 2.50% | 7/1/2028 | 49 |  | 48 |
| FNMA 30YR | 3.00% | 9/1/2043 | 81 |  | 72 |
| FNMA 15YR | 2.50% | 8/1/2028 | 66 |  | 64 |
| FNMA 15YR | 2.50% | 8/1/2028 | 7 |  | 7 |
| FNMA 15YR | 3.00% | 11/1/2028 | 49 |  | 48 |
| FNMA 30YR | 4.00% | 10/1/2043 | 66 |  | 62 |
| FNMA 15YR | 2.50% | 2/1/2029 | 42 |  | 41 |
| FNMA 15YR | 2.50% | 7/1/2030 | 55 |  | 53 |
| FNMA 30YR | 5.50% | 4/1/2034 | 58 |  | 59 |
| FNMA 30YR | 5.00% | 4/1/2034 | 269 |  | 271 |
| FNMA 30YR | 5.50% | 9/1/2034 | 57 |  | 58 |
| FNMA 30YR | 5.00% | 7/1/2035 | 81 |  | 81 |
| FNMA 30YR | 5.50% | 2/1/2035 | 95 |  | 97 |
| FNMA 30YR | 3.00% | 10/1/2046 | 453 |  | 395 |
| FNMA 30YR | 3.50% | 9/1/2047 | 263 |  | 238 |
| FNMA 15YR | 3.50% | 12/1/2030 | 44 |  | 43 |
| FNMA 30YR | 4.00% | 1/1/2048 | 148 |  | 138 |
| FNMA 30YR | 4.50% | 11/1/2048 | 94 |  | 90 |
| FNMA 30YR UMBS | 2.50% | 8/1/2050 | 2158 |  | 1778 |
| FNMA 30YR UMBS | 2.00% | 12/1/2050 | 499 |  | 396 |
| FNMA 30YR UMBS SUPER | 2.50% | 4/1/2051 | 1077 |  | 896 |
| FNMA 30YR UMBS SUPER | 3.00% | 7/1/2050 | 571 |  | 495 |
| FNMA 30YR UMBS SUPER | 3.00% | 3/1/2052 | 1355 |  | 1171 |
| FNMA 30YR UMBS SUPER | 2.50% | 5/1/2052 | 723 |  | 598 |
| FNMA 30YR | 6.50% | 12/1/2037 | 39 |  | 41 |
| FNMA 30YR | 6.00% | 5/1/2038 | 174 |  | 182 |
| FNMA 30YR | 4.00% | 9/1/2040 | 89 |  | 84 |
| FNMA 30YR | 5.50% | 3/1/2038 | 69 |  | 71 |
| FNMA 30YR | 4.00% | 3/1/2039 | 30 |  | 28 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| FNMA 30YR | 4.50% | 2/1/2041 | 395 |  | 385 |
| FNMA 30YR | 4.50% | 3/1/2041 | 125 |  | 122 |
| FNMA 30YR | 3.50% | 5/1/2042 | 345 |  | 316 |
| FNMA 30YR | 3.50% | 9/1/2042 | 133 |  | 122 |
| FNMA 30YR | 3.50% | 6/1/2042 | 1221 |  | 1118 |
| FNMA 30YR | 3.00% | 10/1/2042 | 192 |  | 171 |
| FNMA 30YR | 3.50% | 11/1/2042 | 455 |  | 417 |
| FNMA 30YR | 3.00% | 12/1/2042 | 368 |  | 327 |
| FNMA 30YR | 3.00% | 1/1/2043 | 97 |  | 87 |
| FNMA 30YR | 3.00% | 1/1/2043 | 279 |  | 248 |
| FNMA 30YR | 3.00% | 1/1/2043 | 319 |  | 283 |
| FNMA 30YR | 3.00% | 3/1/2043 | 472 |  | 419 |
| FNMA 30YR | 4.50% | 9/1/2039 | 47 |  | 46 |
| FNMA 20YR | 4.50% | 6/1/2031 | 72 |  | 72 |
| FNMA 30YR | 3.50% | 1/1/2046 | 152 |  | 138 |
| FNMA 30YR | 4.50% | 12/1/2048 | 60 |  | 58 |
| FNMA 30YR | 3.00% | 11/1/2046 | 277 |  | 241 |
| FNMA 30YR | 3.00% | 1/1/2047 | 352 |  | 307 |
| FNMA 30YR | 4.00% | 10/1/2047 | 571 |  | 532 |
| FNMA 30YR | 3.50% | 11/1/2047 | 465 |  | 419 |
| FNMA 30YR | 4.50% | 3/1/2048 | 85 |  | 82 |
| FNMA 30YR | 4.00% | 2/1/2048 | 127 |  | 118 |
| FNMA 30YR | 4.00% | 4/1/2048 | 260 |  | 242 |
| FNMA 15YR | 3.50% | 3/1/2033 | 64 |  | 62 |
| FNMA 15YR | 3.50% | 5/1/2033 | 150 |  | 145 |
| FNMA 15YR UMBS | 2.00% | 7/1/2036 | 354 |  | 315 |
| FNMA 20YR UMBS | 2.00% | 8/1/2040 | 634 |  | 534 |
| FNMA 30YR UMBS | 1.50% | 9/1/2050 | 1380 |  | 1024 |
| FNMA 30YR UMBS | 2.00% | 9/1/2050 | 1319 |  | 1037 |
| FNMA 30YR UMBS | 2.50% | 9/1/2050 | 1902 |  | 1568 |
| FNMA 15YR UMBS | 2.50% | 9/1/2035 | 402 |  | 368 |
| FNMA 30YR UMBS | 1.50% | 10/1/2050 | 118 |  | 88 |
| FNMA 30YR UMBS | 2.00% | 10/1/2050 | 1217 |  | 957 |
| FNMA 30YR UMBS | 2.50% | 10/1/2050 | 3158 |  | 2602 |
| FNMA 30YR UMBS | 2.00% | 11/1/2050 | 3231 |  | 2540 |
| FNMA 20YR UMBS | 2.00% | 1/1/2041 | 1829 |  | 1537 |
| FNMA 30YR UMBS | 2.00% | 1/1/2051 | 633 |  | 495 |
| FNMA 30YR UMBS | 1.50% | 12/1/2050 | 2962 |  | 2196 |
| FNMA 30YR UMBS | 2.00% | 2/1/2051 | 2757 |  | 2164 |
| FNMA 30YR UMBS | 2.00% | 3/1/2051 | 1386 |  | 1088 |
| FNMA 15YR UMBS | 2.00% | 5/1/2036 | 1115 |  | 991 |
| FNMA 20YR UMBS | 2.00% | 5/1/2041 | 1878 |  | 1572 |
| FNMA 20YR UMBS | 2.50% | 5/1/2041 | 1275 |  | 1100 |
| FNMA 15YR UMBS | 2.50% | 6/1/2036 | 668 |  | 610 |
| FNMA 30YR UMBS | 4.00% | 6/1/2052 | 842 |  | 773 |
| FNMA 30YR UMBS | 5.00% | 7/1/2052 | 735 |  | 716 |
| FNMA 15YR UMBS | 4.00% | 7/1/2037 | 490 |  | 473 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| FNMA 30YR UMBS | 5.50% | 11/1/2052 | 1124 |  | 1118 |
| FNMA 30YR UMBS | 6.00% | 10/1/2053 | 1572 |  | 1589 |
| FNMA 30YR | 4.00% | 7/1/2040 | 45 |  | 43 |
| FNMA 30YR | 3.50% | 6/1/2039 | 91 |  | 84 |
| FNMA 30YR | 4.00% | 10/1/2040 | 37 |  | 35 |
| GNMA 30YR | 3.50% | 1/15/2042 | 191 |  | 176 |
| GNMA 30YR | 3.00% | 11/15/2042 | 293 |  | 260 |
| GNMA2 30YR | 4.00% | 4/20/2042 | 58 |  | 55 |
| GNMA2 30YR | 3.00% | 8/20/2042 | 111 |  | 99 |
| GNMA2 30YR | 3.50% | 8/20/2042 | 331 |  | 304 |
| GNMA2 30YR | 3.00% | 9/20/2042 | 230 |  | 206 |
| GNMA2 30YR | 3.50% | 9/20/2042 | 268 |  | 246 |
| GNMA2 30YR | 3.50% | 10/20/2042 | 268 |  | 246 |
| GNMA2 30YR | 3.00% | 12/20/2042 | 118 |  | 105 |
| GNMA2 30YR | 3.00% | 1/20/2043 | 164 |  | 146 |
| GNMA2 30YR | 3.50% | 5/20/2043 | 343 |  | 314 |
| GNMA2 30YR | 4.50% | 6/20/2044 | 177 |  | 172 |
| GNMA2 30YR | 3.50% | 10/20/2044 | 274 |  | 250 |
| GNMA2 30YR | 4.00% | 10/20/2044 | 206 |  | 194 |
| GNMA2 30YR | 3.00% | 12/20/2044 | 65 |  | 57 |
| GNMA2 30YR | 3.50% | 4/20/2046 | 183 |  | 166 |
| GNMA2 30YR | 3.50% | 4/20/2045 | 315 |  | 287 |
| GNMA2 30YR | 3.50% | 6/20/2045 | 127 |  | 115 |
| GNMA2 30YR | 3.00% | 8/20/2045 | 163 |  | 144 |
| GNMA2 30YR | 3.00% | 9/20/2045 | 155 |  | 137 |
| GNMA2 30YR | 4.00% | 12/20/2045 | 339 |  | 320 |
| GNMA2 30YR | 3.00% | 5/20/2046 | 213 |  | 188 |
| GNMA2 30YR | 4.00% | 5/20/2046 | 165 |  | 155 |
| GNMA2 30YR | 3.00% | 7/20/2046 | 488 |  | 429 |
| GNMA2 30YR | 3.50% | 7/20/2046 | 140 |  | 127 |
| GNMA2 30YR | 3.50% | 8/20/2046 | 161 |  | 146 |
| GNMA2 30YR | 3.50% | 9/20/2046 | 166 |  | 150 |
| GNMA2 30YR | 3.00% | 10/20/2046 | 413 |  | 364 |
| GNMA2 30YR | 4.00% | 10/20/2046 | 64 |  | 60 |
| GNMA2 30YR | 3.50% | 11/20/2046 | 53 |  | 48 |
| GNMA2 30YR | 4.00% | 11/20/2046 | 78 |  | 73 |
| GNMA2 30YR | 2.50% | 12/20/2046 | 109 |  | 92 |
| GNMA2 30YR | 3.50% | 12/20/2046 | 577 |  | 523 |
| GNMA2 30YR | 4.00% | 3/20/2047 | 158 |  | 148 |
| GNMA2 30YR | 3.50% | 8/20/2048 | 93 |  | 84 |
| GNMA2 30YR | 3.50% | 7/20/2047 | 209 |  | 189 |
| GNMA2 30YR | 4.00% | 8/20/2047 | 203 |  | 190 |
| GNMA2 30YR | 3.50% | 8/20/2047 | 145 |  | 131 |
| GNMA2 30YR | 4.00% | 9/20/2047 | 236 |  | 221 |
| GNMA2 30YR | 3.50% | 11/20/2047 | 390 |  | 353 |
| GNMA2 30YR | 4.00% | 12/20/2047 | 99 |  | 93 |
| GNMA2 30YR | 3.00% | 1/20/2048 | 189 |  | 166 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| GNMA2 30YR | 4.00% | 1/20/2048 | 144 |  | 135 |
| GNMA2 30YR | 4.50% | 1/20/2048 | 93 |  | 90 |
| GNMA2 30YR | 4.50% | 2/20/2048 | 87 |  | 84 |
| GNMA2 30YR | 3.00% | 10/20/2049 | 67 |  | 59 |
| GNMA2 30YR | 3.50% | 12/20/2048 | 213 |  | 193 |
| GNMA2 30YR | 4.00% | 4/20/2049 | 983 |  | 918 |
| GNMA2 30YR | 3.00% | 7/20/2049 | 214 |  | 188 |
| GNMA2 30YR | 3.00% | 9/20/2049 | 239 |  | 209 |
| GNMA 30YR | 3.00% | 12/20/2049 | 292 |  | 255 |
| GNMA2 30YR | 3.50% | 12/20/2049 | 150 |  | 135 |
| GNMA2 30YR | 2.00% | 12/20/2050 | 1107 |  | 889 |
| GNMA2 30YR | 2.00% | 3/20/2051 | 583 |  | 468 |
| GNMA2 30YR | 2.50% | 3/20/2051 | 3231 |  | 2709 |
| GNMA2 30YR | 2.50% | 5/20/2051 | 1664 |  | 1394 |
| GNMA2 30YR | 3.00% | 6/20/2051 | 455 |  | 397 |
| GNMA2 30YR | 2.00% | 7/20/2051 | 670 |  | 537 |
| GNMA2 30YR | 3.00% | 7/20/2051 | 1550 |  | 1349 |
| GNMA2 30YR | 2.50% | 8/20/2051 | 746 |  | 625 |
| GNMA2 30YR | 2.00% | 9/20/2051 | 417 |  | 334 |
| GNMA2 30YR | 3.50% | 1/20/2052 | 854 |  | 768 |
| GNMA2 30YR | 4.50% | 7/20/2052 | 955 |  | 910 |
| GNMA2 30YR | 4.50% | 8/20/2052 | 770 |  | 733 |
| GNMA 30YR | 3.50% | 5/15/2043 | 102 |  | 93 |
| GNMA 30YR | 3.00% | 3/15/2043 | 80 |  | 70 |
| GNMA2 15YR | 3.00% | 3/20/2027 | 17 |  | 17 |
| GNMA2 30YR | 5.00% | 8/20/2039 | 36 |  | 36 |
| GNMA2 30YR | 4.50% | 5/20/2040 | 139 |  | 136 |
| GNMA2 30YR | 4.50% | 7/20/2040 | 88 |  | 86 |
| GNMA2 30YR | 4.00% | 9/20/2040 | 103 |  | 98 |
| GNMA2 30YR | 4.00% | 10/20/2040 | 164 |  | 156 |
| GNMA2 30YR | 4.50% | 10/20/2040 | 102 |  | 100 |
| GNMA2 30YR | 4.50% | 12/20/2040 | 152 |  | 149 |
| GNMA2 30YR | 4.00% | 2/20/2041 | 37 |  | 35 |
| GNMA2 30YR | 4.00% | 1/20/2041 | 67 |  | 64 |
| GNMA2 30YR | 4.00% | 3/20/2041 | 109 |  | 104 |
| GNMA2 30YR | 5.00% | 4/20/2041 | 128 |  | 128 |
| GNMA2 30YR | 4.50% | 8/20/2041 | 130 |  | 127 |
| GNMA2 30YR | 4.50% | 7/20/2041 | 43 |  | 42 |
| GNMA 30YR | 4.50% | 11/15/2039 | 59 |  | 58 |
| GNMA 30YR | 4.50% | 4/15/2040 | 133 |  | 130 |
| GNMA 30YR | 5.00% | 5/15/2035 | 45 |  | 46 |
| GNMA 30YR PLATINUM | 5.00% | 7/15/2039 | 66 |  | 67 |
| GNMA 30YR | 5.50% | 4/15/2038 | 23 |  | 24 |
| GNMA 30YR | 5.50% | 6/15/2038 | 122 |  | 125 |
| GNMA2 30YR TBA(REG C) | 4.50% | 2/20/2025 | (890) |  | (843) |
| CHAIT_23-A2 | 5.08% | 9/15/2030 | 890 |  | 906 |
| CHAIT_24-A2 | 4.63% | 1/15/2031 | 178 |  | 178 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| BBCMS_20-C8 | 1.62% | 10/15/2053 | 1508 |  | 1384 |
| BANK_21-BN37 | 2.37% | 11/15/2064 | 1067 |  | 893 |
| BANK_19-BN22 | 2.73% | 11/15/2062 | 845 |  | 761 |
| BANK_21-BN31 | 1.77% | 2/15/2054 | 1779 |  | 1493 |
| BBCMS_19-C4 | 2.66% | 8/15/2052 | 949 |  | 874 |
| BMARK_20-B17 | 2.04% | 3/15/2053 | 2135 |  | 1824 |
| BMARK_20-B18 | 1.67% | 7/15/2053 | 1245 |  | 1059 |
| COMM_16-DC2 | 3.50% | 2/10/2049 | 860 |  | 855 |
| COMM_16-DC2 | 3.77% | 2/10/2049 | 1245 |  | 1233 |
| CSAIL_15-C3 | 3.45% | 8/15/2048 | 488 |  | 487 |
| CSAIL_16-C5 | 3.76% | 11/15/2048 | 658 |  | 653 |
| CSAIL_16-C7 | 3.21% | 11/15/2049 | 859 |  | 849 |
| DBJPM_17-C6 | 3.27% | 6/10/2050 | 29 |  | 28 |
| CGCMT_15-GC33 | 3.52% | 9/10/2058 | 353 |  | 352 |
| JPMBB_15-C30 | 3.55% | 7/15/2048 | 891 |  | 889 |
| JPMCC_19-COR4 | 3.76% | 3/10/2052 | 1423 |  | 1366 |
| MSBAM_15-C23 | 3.45% | 7/15/2050 | 1657 |  | 1653 |
| MSBAM_15-C25 | 3.37% | 10/15/2048 | 1245 |  | 1238 |
| UBSCM_19-C17 | 2.67% | 10/15/2052 | 445 |  | 399 |
| UBSCM_18-C13 | 4.07% | 10/15/2051 | 1240 |  | 1216 |
| WFCM_16-C37 | 3.79% | 12/15/2049 | 1076 |  | 1056 |
| ELEVANCE HLTH INC | 3.65% | 12/1/2027 | 169 |  | 165 |
| ELEVANCE HLTH INC | 4.10% | 3/1/2028 | 213 |  | 211 |
| ELEVANCE HLTH INC | 2.25% | 5/15/2030 | 347 |  | 302 |
| ELEVANCE HLTH INC | 5.15% | 6/15/2029 | 44 |  | 45 |
| ARCH CAP FIN LLC | 4.01% | 12/15/2026 | 44 |  | 44 |
| BANCO SANTANDER SA | 3.80% | 2/23/2028 | 712 |  | 693 |
| BANK OF AMER CORP | 3.97% | 3/5/2029 | 240 |  | 236 |
| BANK OF AMER CORP | 2.50% | 2/13/2031 | 1610 |  | 1428 |
| BANK OF AMER CORP | 2.69% | 4/22/2032 | 178 |  | 154 |
| BANK OF AMER CORP | 2.97% | 2/4/2033 | 302 |  | 264 |
| BARCLAYS PLC | 2.28% | 11/24/2027 | 667 |  | 636 |
| BRIXMOR OPERATING PARTNERSHIP LP | 4.13% | 6/15/2026 | 222 |  | 221 |
| BRIXMOR OPERATING PARTNERSHIP LP | 3.90% | 3/15/2027 | 311 |  | 308 |
| BRIXMOR OPERATING PARTNERSHIP LP | 2.25% | 4/1/2028 | 534 |  | 491 |
| BROADSTONE NET LEASE INC | 2.60% | 9/15/2031 | 178 |  | 148 |
| COMERICA INC | 5.98% | 1/30/2030 | 596 |  | 617 |
| COREBRIDGE FINL INC | 3.90% | 4/5/2032 | 329 |  | 302 |
| CUBESMART LP | 2.25% | 12/15/2028 | 151 |  | 136 |
| DEUTSCHE BK NY | 6.72% | 1/18/2029 | 294 |  | 314 |
| DEUTSCHE BK NY | 6.82% | 11/20/2029 | 534 |  | 562 |
| FAIRFAX FINL HLDGS LTD | 5.63% | 8/16/2032 | 596 |  | 615 |
| GOLDMAN SACHS GRP INC | 5.85% | 4/25/2035 | 98 |  | 101 |
| GOLDMAN SACHS GRP INC | 1.99% | 1/27/2032 | 480 |  | 401 |
| GOLDMAN SACHS GRP INC | 2.62% | 4/22/2032 | 276 |  | 236 |
| GOLDMAN SACHS GRP INC | 1.54% | 9/10/2027 | 836 |  | 795 |
| HSBC HLDGS PLC | 2.01% | 9/22/2028 | 809 |  | 750 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| HSBC HLDGS PLC | 2.80% | 5/24/2032 | 578 |  | 493 |
| HEALTHPEAK OP LLC | 3.00% | 1/15/2030 | 213 |  | 196 |
| HOST HOTELS & RESORTS LP | 5.70% | 7/1/2034 | 133 |  | 138 |
| HUNTINGTON BANCSHARES | 6.21% | 8/21/2029 | 623 |  | 656 |
| JPMORGAN CHASE & CO | 3.51% | 1/23/2029 | 1877 |  | 1830 |
| JPMORGAN CHASE & CO | 4.45% | 12/5/2029 | 267 |  | 262 |
| JPMORGAN CHASE & CO | 2.74% | 10/15/2030 | 605 |  | 548 |
| JPMORGAN CHASE & CO | 2.58% | 4/22/2032 | 703 |  | 606 |
| JPMORGAN CHASE & CO | 4.95% | 10/22/2035 | 302 |  | 294 |
| KIMCO REALTY OP LLC | 1.90% | 3/1/2028 | 418 |  | 385 |
| LINCOLN NATL CORP | 3.05% | 1/15/2030 | 80 |  | 73 |
| LLOYDS BKG GRP PLC | 5.87% | 3/6/2029 | 356 |  | 369 |
| MITSUBISHI UFJ FINL GRP | 1.54% | 7/20/2027 | 623 |  | 596 |
| MIZUHO FINL GRP INC | 5.78% | 7/6/2029 | 400 |  | 420 |
| MORGAN STANLEY | 4.43% | 1/23/2030 | 818 |  | 813 |
| MORGAN STANLEY | 2.70% | 1/22/2031 | 578 |  | 520 |
| MORGAN STANLEY | 1.93% | 4/28/2032 | 1085 |  | 892 |
| MORGAN STANLEY | 2.51% | 10/20/2032 | 80 |  | 67 |
| MORGAN STANLEY | 1.59% | 5/4/2027 | 169 |  | 162 |
| NOMURA HLDGS INC | 2.61% | 7/14/2031 | 356 |  | 304 |
| PNC FINL SVCS GRP INC | 6.62% | 10/20/2027 | 934 |  | 974 |
| REALTY INCOME CORP | 3.10% | 12/15/2029 | 311 |  | 286 |
| TRUIST FINL CORP | 5.87% | 6/8/2034 | 116 |  | 118 |
| TRUIST FINL CORP | 5.44% | 1/24/2030 | 445 |  | 458 |
| UBS GRP AG | 4.55% | 4/17/2026 | 489 |  | 492 |
| US BANCORP | 5.84% | 6/12/2034 | 178 |  | 182 |
| UNITEDHEALTH GRP INC | 4.80% | 1/15/2030 | 1379 |  | 1400 |
| UNUM GRP | 4.00% | 6/15/2029 | 560 |  | 538 |
| WELLS FARGO & CO | 3.00% | 10/23/2026 | 235 |  | 229 |
| WELLS FARGO & CO | 2.88% | 10/30/2030 | 489 |  | 444 |
| WELLS FARGO & CO | 2.57% | 2/11/2031 | 667 |  | 595 |
| WELLS FARGO & CO | 3.35% | 3/2/2033 | 240 |  | 213 |
| WELLS FARGO & CO | 5.56% | 7/25/2034 | 569 |  | 581 |
| WELLS FARGO & CO | 6.30% | 10/23/2029 | 240 |  | 252 |
| AT&T INC | 2.55% | 12/1/2033 | 242 |  | 195 |
| ABBVIE INC | 3.20% | 11/21/2029 | 285 |  | 265 |
| AMGEN INC | 5.25% | 3/2/2030 | 89 |  | 91 |
| AUTONATION INC | 3.80% | 11/15/2027 | 311 |  | 302 |
| AUTOZONE INC | 3.75% | 4/18/2029 | 44 |  | 43 |
| BAT CAP CORP | 3.56% | 8/15/2027 | 28 |  | 28 |
| BAT CAP CORP | 4.70% | 4/2/2027 | 98 |  | 99 |
| BAT CAP CORP | 6.00% | 2/20/2034 | 302 |  | 317 |
| BAT INTL FIN PLC | 4.45% | 3/16/2028 | 498 |  | 496 |
| BHP BILLITON FIN USA LTD | 5.25% | 9/8/2033 | 463 |  | 472 |
| BERRY GLOBAL INC | 1.57% | 1/15/2026 | 374 |  | 363 |
| BOEING CO | 5.15% | 5/1/2030 | 916 |  | 911 |
| BROADCOM INC | 4.11% | 9/15/2028 | 402 |  | 397 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| BROADCOM INC | 3.42% | 4/15/2033 | 411 |  | 363 |
| CIGNA CORP | 4.38% | 10/15/2028 | 445 |  | 440 |
| CVS HLTH CORP | 4.30% | 3/25/2028 | 231 |  | 227 |
| CVS HLTH CORP | 1.88% | 2/28/2031 | 196 |  | 159 |
| CANADIAN NATURAL RESOURCES LTD | 3.85% | 6/1/2027 | 400 |  | 393 |
| CENOVUS ENERGY INC | 2.65% | 1/15/2032 | 178 |  | 150 |
| COMCAST CORP | 4.15% | 10/15/2028 | 80 |  | 79 |
| CONSTELLATION BRANDS INC | 3.70% | 12/6/2026 | 142 |  | 140 |
| CONSTELLATION BRANDS INC | 2.25% | 8/1/2031 | 347 |  | 292 |
| DIAMONDBACK ENERGY INC | 3.13% | 3/24/2031 | 338 |  | 302 |
| DIAMONDBACK ENERGY INC | 5.40% | 4/18/2034 | 89 |  | 88 |
| DUPONT DE NEMOURS INC | 4.73% | 11/15/2028 | 712 |  | 712 |
| ENERGY TRANSFER LP | 6.55% | 12/1/2033 | 605 |  | 646 |
| TELEDYNE FLIR LLC | 2.50% | 8/1/2030 | 240 |  | 212 |
| FERGUSON ENTERPRISES INC | 5.00% | 10/3/2034 | 107 |  | 103 |
| FORD MOTOR CR CO LLC | 4.00% | 11/13/2030 | 445 |  | 403 |
| FORD MOTOR CR CO LLC | 2.70% | 8/10/2026 | 400 |  | 389 |
| FORD MOTOR CR CO LLC | 5.85% | 5/17/2027 | 356 |  | 362 |
| FREEPORT MCMORAN INC | 4.38% | 8/1/2028 | 267 |  | 264 |
| GLP CAP LP GLP FIN II INC | 5.38% | 4/15/2026 | 311 |  | 315 |
| GLP CAP LP GLP FIN II INC | 5.75% | 6/1/2028 | 133 |  | 135 |
| GENERAL MOTORS FIN CO INC | 3.60% | 6/21/2030 | 133 |  | 122 |
| GENERAL MOTORS FIN CO INC | 5.80% | 1/7/2029 | 213 |  | 224 |
| GENERAL MOTORS FIN CO INC | 5.55% | 7/15/2029 | 400 |  | 415 |
| GENPACT LUXEMBOURG SARL | 6.00% | 6/4/2029 | 400 |  | 410 |
| GENUINE PARTS CO | 4.95% | 8/15/2029 | 311 |  | 316 |
| HUNTINGTON INGALLS INDS INC | 5.35% | 1/15/2030 | 80 |  | 81 |
| IDEX CORP | 4.95% | 9/1/2029 | 267 |  | 270 |
| KINROSS GOLD CORP | 4.50% | 7/15/2027 | 44 |  | 45 |
| KINROSS GOLD CORP | 6.25% | 7/15/2033 | 258 |  | 275 |
| MPLX LP | 4.13% | 3/1/2027 | 409 |  | 409 |
| MPLX LP | 4.25% | 12/1/2027 | 445 |  | 439 |
| MPLX LP | 2.65% | 8/15/2030 | 311 |  | 276 |
| WARNERMEDIA HLDGS INC | 4.05% | 3/15/2029 | 1067 |  | 1005 |
| MARRIOTT INTL INC | 3.13% | 6/15/2026 | 267 |  | 261 |
| MARRIOTT INTL INC | 5.35% | 3/15/2035 | 160 |  | 161 |
| MARTIN MARIETTA MATERIALS INC | 5.15% | 12/1/2034 | 231 |  | 229 |
| MOTOROLA SOLUTIONS INC | 2.75% | 5/24/2031 | 133 |  | 116 |
| NEWMONT CORP | 2.80% | 10/1/2029 | 738 |  | 679 |
| NEWMONT NEWCREST FIN | 5.35% | 3/15/2034 | 80 |  | 81 |
| NUCOR CORP | 3.95% | 5/1/2028 | 222 |  | 217 |
| NUTRIEN LTD | 5.20% | 6/21/2027 | 854 |  | 864 |
| ONEOK INC | 3.10% | 3/15/2030 | 614 |  | 562 |
| ONEOK INC | 6.35% | 1/15/2031 | 391 |  | 423 |
| OWENS CORNING INC | 3.95% | 8/15/2029 | 9 |  | 9 |
| PENTAIR FIN SA | 4.50% | 7/1/2029 | 178 |  | 177 |
| PHILIP MORRIS INTL INC | 2.75% | 2/25/2026 | 934 |  | 923 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| PLAINS ALL AMERN PIPELINE LP | 3.55% | 12/15/2029 | 142 |  | 133 |
| QUANTA SERVICES INC | 4.75% | 8/9/2027 | 142 |  | 145 |
| ROGERS COMMS INC | 5.30% | 2/15/2034 | 311 |  | 310 |
| SOUTHWEST AIRLINES CO | 5.13% | 6/15/2027 | 213 |  | 215 |
| ENERGY TRANSFER LP | 3.90% | 7/15/2026 | 445 |  | 447 |
| TARGA RESOURCES CORP | 4.20% | 2/1/2033 | 80 |  | 74 |
| TARGA RESOURCES CORP | 6.13% | 3/15/2033 | 231 |  | 243 |
| TOLL BROTHERS FIN CORP | 4.88% | 3/15/2027 | 756 |  | 766 |
| TRANSCONTINENTAL GAS PIPE LINE CO | 3.25% | 5/15/2030 | 747 |  | 683 |
| TYSON FOODS INC | 3.55% | 6/2/2027 | 71 |  | 69 |
| TYSON FOODS INC | 4.35% | 3/1/2029 | 151 |  | 149 |
| VERIZON COMMS INC | 4.02% | 12/3/2029 | 85 |  | 82 |
| VERIZON COMMS INC | 2.36% | 3/15/2032 | 144 |  | 120 |
| VIATRIS INC | 2.70% | 6/22/2030 | 418 |  | 363 |
| WESTERN MIDSTREAM OPERATING LP | 4.65% | 7/1/2026 | 222 |  | 226 |
| WESTINGHOUSE AIR BRAKE | 3.45% | 11/15/2026 | 356 |  | 348 |
| WILLIAMS COS INC | 3.50% | 11/15/2030 | 311 |  | 287 |
| WORKDAY INC | 3.50% | 4/1/2027 | 80 |  | 79 |
| WORKDAY INC | 3.70% | 4/1/2029 | 213 |  | 205 |
| YAMANA GOLD INC | 2.63% | 8/15/2031 | 267 |  | 227 |
| AEP TEXAS INC | 2.10% | 7/1/2030 | 338 |  | 293 |
| ALGONQUIN PWR & UTILITY CO | 5.37% | 6/15/2026 | 160 |  | 161 |
| AMEREN ILLINOIS CO | 3.80% | 5/15/2028 | 302 |  | 294 |
| CENTERPOINT ENERGY INC | 2.95% | 3/1/2030 | 267 |  | 242 |
| DUKE ENERGY FL LLC | 1.75% | 6/15/2030 | 178 |  | 151 |
| DUKE ENERGY FLORIDA LLC | 5.88% | 11/15/2033 | 382 |  | 401 |
| EDISON INTL | 5.25% | 11/15/2028 | 374 |  | 377 |
| EDISON INTL | 5.45% | 6/15/2029 | 267 |  | 270 |
| ENTERGY LOUISIANA LLC | 2.40% | 10/1/2026 | 178 |  | 172 |
| FIRSTENERGY CORP | 3.90% | 7/15/2027 | 356 |  | 353 |
| FLORIDA PWR & LT CO | 5.15% | 6/15/2029 | 356 |  | 361 |
| PPL ELEC UTILITIES CORP | 5.00% | 5/15/2033 | 267 |  | 265 |
| PACIFIC GAS & ELEC CO | 3.25% | 6/1/2031 | 338 |  | 301 |
| PACIFICORP | 2.70% | 9/15/2030 | 125 |  | 111 |
| PUBLIC SVC CO NH | 5.35% | 10/1/2033 | 267 |  | 273 |
| SEMPRA | 3.40% | 2/1/2028 | 80 |  | 78 |
| SOUTHERN CA EDISON CO | 2.50% | 6/1/2031 | 311 |  | 267 |
| SOUTHERN CA GAS CO | 2.95% | 4/15/2027 | 623 |  | 603 |
| SOUTHERN CA GAS CO | 5.05% | 9/1/2034 | 329 |  | 330 |
| VIRGINIA ELEC & PWR CO | 5.05% | 8/15/2034 | 82 |  | 81 |
| XCEL ENERGY INC | 4.00% | 6/15/2028 | 712 |  | 690 |
| CORP ANDINA DE FOMENTO | 5.00% | 1/24/2029 | 44 |  | 46 |
| ADVOCATE HLTH CORP | 2.21% | 6/15/2030 | 658 |  | 574 |
| ASCENSION HLTH | 2.53% | 11/15/2029 | 213 |  | 193 |
| COMMONSPIRIT HLTH | 5.21% | 12/1/2031 | 916 |  | 916 |
| JOHNS HOPKINS UNIV | 4.71% | 7/1/2032 | 222 |  | 223 |
| PEACEHEALTH OBLIGATED GRP | 1.38% | 11/15/2025 | 44 |  | 43 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| STANFORD UNIV | 1.29% | 6/1/2027 | 712 |  | 657 |
| SUTTER HEALTH | 3.70% | 8/15/2028 | 516 |  | 502 |
| UPMC TAXABLE REV BONDS | 5.04% | 5/15/2033 | 712 |  | 704 |
| UNIVERSITY CA | 3.06% | 7/1/2025 | 578 |  | 583 |
| UNIVERSITY CA | 3.35% | 7/1/2029 | 578 |  | 558 |
| UNIVERSITY CA | 1.61% | 5/15/2030 | 934 |  | 798 |
| SANDS CHINA LTD | 5.40% | 8/8/2028 | 356 |  | 359 |
| INDONESIA REP OF | 3.50% | 1/11/2028 | 356 |  | 345 |
| INDONESIA REP OF | 4.15% | 9/20/2027 | 480 |  | 475 |
| PANAMA REP OF | 7.13% | 1/29/2026 | 534 |  | 558 |
| PERU REP OF | 2.78% | 1/23/2031 | 69 |  | 60 |
| POLAND REP OF | 4.63% | 3/18/2029 | 676 |  | 677 |
| MEXICO UNITED MEXICAN STATES | 5.00% | 5/7/2029 | 356 |  | 346 |
| CASH |  |  |  |  | 1220 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Prudential GA 62194** |  |  |  |  | $308147 |
| **Reinsurance Group of America Contract No. RGA00084** |  |  |  |  |  |
| US Dollar | 4.83% |  | 3102 |  | 3102 |
| NET RECEIVABLE | —% |  | 110 |  | 110 |
| Kinder Morgan, Inc. 4.30 06/01/2025 | 4.30% | 6/1/2025 | 3158 |  | 3162 |
| Cox Enterprises, Inc. 3.85 02/01/2025 | 3.85% | 2/1/2025 | 2491 |  | 2528 |
| CRH PLC 3.875 05/18/2025 | 3.88% | 5/18/2025 | 1690 |  | 1689 |
| Burlington Northern Santa Fe LLC 3.442 06/16/2028 | 3.44% | 6/16/2028 | 572 |  | 544 |
| Wells Fargo & Co. 4.30 07/22/2027 | 4.30% | 7/22/2027 | 445 |  | 447 |
| HSBC Holdings PLC 4.25 08/18/2025 | 4.25% | 8/18/2025 | 890 |  | 900 |
| BNP Paribas SA 4.375 09/28/2025 | 4.38% | 9/28/2025 | 1868 |  | 1876 |
| Capital One Financial Corp. 4.20 10/29/2025 | 4.20% | 10/29/2025 | 890 |  | 890 |
| BNP Paribas SA 4.375 05/12/2026 | 4.38% | 5/12/2026 | 1112 |  | 1106 |
| Lloyds Banking Group PLC 4.582 12/10/2025 | 4.58% | 12/10/2025 | 1646 |  | 1642 |
| Fannie Mae 4.50 08/01/2040 | 4.50% | 8/1/2040 | 1381 |  | 1329 |
| Charter Communications, Inc. 4.908 07/23/2025 | 4.91% | 7/23/2025 | 445 |  | 454 |
| Fannie Mae 3.50 02/01/2037 | 3.50% | 2/1/2037 | 2994 |  | 2836 |
| Barclays PLC 4.836 05/09/2028 | 4.84% | 5/9/2028 | 1468 |  | 1452 |
| Fannie Mae 7.483 07/01/2047 | 7.48% | 7/1/2047 | 513 |  | 529 |
| Freddie Mac Gold 4.50 09/01/2044 | 4.50% | 9/1/2044 | 2923 |  | 2823 |
| Fannie Mae 7.485 07/01/2047 | 7.49% | 7/1/2047 | 349 |  | 358 |
| Fannie Mae 4.50 01/01/2043 | 4.50% | 1/1/2043 | 2976 |  | 2869 |
| Freddie Mac 7.37 05/01/2047 | 7.37% | 5/1/2047 | 45 |  | 47 |
| Freddie Mac Gold 4.50 07/01/2045 | 4.50% | 7/1/2045 | 2146 |  | 2091 |
| Fannie Mae 4.50 06/01/2047 | 4.50% | 6/1/2047 | 2337 |  | 2249 |
| Fannie Mae 7.45 06/01/2047 | 7.45% | 6/1/2047 | 245 |  | 253 |
| Freddie Mac 7.38 07/01/2047 | 7.38% | 7/1/2047 | 23 |  | 24 |
| Bank of America Corp. 3.593 07/21/2028 | 3.59% | 7/21/2028 | 712 |  | 700 |
| Freddie Mac Gold 4.50 04/01/2047 | 4.50% | 4/1/2047 | 1396 |  | 1345 |
| Fannie Mae 7.013 10/01/2047 | 7.01% | 10/1/2047 | 229 |  | 237 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| Fannie Mae 7.11 10/01/2047 | 7.11% | 10/1/2047 | 57 |  | 58 |
| Charter Communications, Inc. 4.20 03/15/2028 | 4.20% | 3/15/2028 | 2891 |  | 2830 |
| Freddie Mac Gold 4.50 10/01/2047 | 4.50% | 10/1/2047 | 360 |  | 346 |
| SLM Student Loan Trust 6.04529 01/25/2041 | 6.05% | 1/25/2041 | 608 |  | 615 |
| Freddie Mac Gold 4.00 11/01/2045 | 4.00% | 11/1/2045 | 299 |  | 276 |
| CVS Health Corp. 4.30 03/25/2028 | 4.30% | 3/25/2028 | 1455 |  | 1427 |
| SLM Student Loan Trust 5.61529 07/25/2040 | 5.62% | 7/25/2040 | 3224 |  | 3219 |
| SLM Student Loan Trust 6.07529 01/25/2040 | 6.08% | 1/25/2040 | 1335 |  | 1338 |
| Freddie Mac 3.38 06/01/2048 | 3.38% | 6/1/2048 | 111 |  | 112 |
| Bank of America Corp. 3.419 12/20/2028 | 3.42% | 12/20/2028 | 311 |  | 299 |
| Bayer AG 4.375 12/15/2028 | 4.38% | 12/15/2028 | 1646 |  | 1586 |
| Charter Communications, Inc. 5.05 03/30/2029 | 5.05% | 3/30/2029 | 445 |  | 441 |
| Fannie Mae 5.00 02/01/2049 | 5.00% | 2/1/2049 | 162 |  | 160 |
| Fannie Mae 5.00 03/01/2049 | 5.00% | 3/1/2049 | 547 |  | 539 |
| Fannie Mae 5.00 12/01/2048 | 5.00% | 12/1/2048 | 674 |  | 666 |
| Bank of America Corp. 3.559 04/23/2027 | 3.56% | 4/23/2027 | 934 |  | 925 |
| Imperial Brands PLC 3.875 07/26/2029 | 3.88% | 7/26/2029 | 1423 |  | 1369 |
| The Cigna Group 4.375 10/15/2028 | 4.38% | 10/15/2028 | 1646 |  | 1628 |
| Wells Fargo & Co. 2.879 10/30/2030 | 2.88% | 10/30/2030 | 445 |  | 403 |
| Fannie Mae 3.336 10/01/2049 | 3.34% | 10/1/2049 | 1021 |  | 1029 |
| Dow, Inc. 4.80 11/30/2028 | 4.80% | 11/30/2028 | 801 |  | 799 |
| Prosus NV 3.68 01/21/2030 | 3.68% | 1/21/2030 | 1601 |  | 1471 |
| JPMorgan Chase & Co. 4.493 03/24/2031 | 4.49% | 3/24/2031 | 2090 |  | 2062 |
| Wells Fargo & Co. 4.478 04/04/2031 | 4.48% | 4/4/2031 | 2980 |  | 2917 |
| CVS Health Corp. 3.75 04/01/2030 | 3.75% | 4/1/2030 | 712 |  | 658 |
| Oracle Corp. 2.95 04/01/2030 | 2.95% | 4/1/2030 | 1735 |  | 1579 |
| Dominion Energy, Inc. 3.375 04/01/2030 | 3.38% | 4/1/2030 | 2046 |  | 1899 |
| The Southern Co. 3.70 04/30/2030 | 3.70% | 4/30/2030 | 1557 |  | 1472 |
| JPMorgan Chase & Co. 2.522 04/22/2031 | 2.52% | 4/22/2031 | 1112 |  | 985 |
| JPMorgan Chase & Co. 2.083 04/22/2026 | 2.08% | 4/22/2026 | 445 |  | 443 |
| Philip Morris International, Inc. 2.10 05/01/2030 | 2.10% | 5/1/2030 | 4136 |  | 3590 |
| Boston Properties, Inc. 3.25 01/30/2031 | 3.25% | 1/30/2031 | 667 |  | 596 |
| JPMorgan Chase & Co. 2.956 05/13/2031 | 2.96% | 5/13/2031 | 1156 |  | 1039 |
| RELX PLC 3.00 05/22/2030 | 3.00% | 5/22/2030 | 1067 |  | 973 |
| AT&T, Inc. 2.75 06/01/2031 | 2.75% | 6/1/2031 | 3024 |  | 2638 |
| HSBC Holdings PLC 2.848 06/04/2031 | 2.85% | 6/4/2031 | 1779 |  | 1566 |
| Freddie Mac Pool 2.50 07/01/2050 | 2.50% | 7/1/2050 | 5604 |  | 4637 |
| Fannie Mae 2.50 08/01/2050 | 2.50% | 8/1/2050 | 6334 |  | 5261 |
| NatWest Group PLC 3.032 11/28/2035 | 3.03% | 11/28/2035 | 534 |  | 463 |
| British American Tobacco PLC 2.726 03/25/2031 | 2.73% | 3/25/2031 | 2313 |  | 2013 |
| British American Tobacco PLC 2.259 03/25/2028 | 2.26% | 3/25/2028 | 400 |  | 370 |
| Barclays PLC 3.564 09/23/2035 | 3.56% | 9/23/2035 | 400 |  | 357 |
| State Street Corp. 3.152 03/30/2031 | 3.15% | 3/30/2031 | 3158 |  | 2918 |
| Fannie Mae 2.50 09/01/2040 | 2.50% | 9/1/2040 | 12501 |  | 10803 |
| Freddie Mac Pool 2.50 10/01/2040 | 2.50% | 10/1/2040 | 1346 |  | 1166 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| AbbVie, Inc. 3.20 11/21/2029 | 3.20% | 11/21/2029 | 1468 |  | 1367 |
| The Williams Co., Inc. 3.25 05/15/2030 | 3.25% | 5/15/2030 | 1690 |  | 1547 |
| Freddie Mac Pool 2.50 10/01/2040 | 2.50% | 10/1/2040 | 3783 |  | 3269 |
| Freddie Mac Pool 2.50 11/01/2050 | 2.50% | 11/1/2050 | 2527 |  | 2099 |
| Freddie Mac Pool 2.50 08/01/2040 | 2.50% | 8/1/2040 | 4462 |  | 3925 |
| Fannie Mae 2.50 01/01/2041 | 2.50% | 1/1/2041 | 2586 |  | 2228 |
| T-Mobile U.S., Inc. 2.55 02/15/2031 | 2.55% | 2/15/2031 | 2313 |  | 2012 |
| NextEra Energy, Inc. 1.90 06/15/2028 | 1.90% | 6/15/2028 | 2313 |  | 2096 |
| Prosus NV 3.061 07/13/2031 | 3.06% | 7/13/2031 | 2179 |  | 1861 |
| Freddie Mac Pool 2.50 07/01/2041 | 2.50% | 7/1/2041 | 4906 |  | 4206 |
| Fannie Mae 2.50 12/01/2051 | 2.50% | 12/1/2051 | 5262 |  | 4357 |
| The Goldman Sachs Group, Inc. 3.615 03/15/2028 | 3.62% | 3/15/2028 | 2624 |  | 2580 |
| Charter Communications, Inc. 4.40 04/01/2033 | 4.40% | 4/1/2033 | 489 |  | 442 |
| British American Tobacco PLC 4.742 03/16/2032 | 4.74% | 3/16/2032 | 1245 |  | 1215 |
| Wells Fargo & Co. 3.908 04/25/2026 | 3.91% | 4/25/2026 | 1423 |  | 1429 |
| Verizon Communications, Inc. 2.355 03/15/2032 | 2.36% | 3/15/2032 | 1914 |  | 1601 |
| Capital One Financial Corp. 5.268 05/10/2033 | 5.27% | 5/10/2033 | 489 |  | 480 |
| Fannie Mae 3.50 04/01/2052 | 3.50% | 4/1/2052 | 1703 |  | 1517 |
| Fannie Mae 3.50 07/01/2052 | 3.50% | 7/1/2052 | 5860 |  | 5239 |
| Kinder Morgan, Inc. 4.80 02/01/2033 | 4.80% | 2/1/2033 | 1112 |  | 1079 |
| Fannie Mae 2.526 06/01/2052 | 2.53% | 6/1/2052 | 3970 |  | 3581 |
| Freddie Mac 4.231 09/01/2052 | 4.23% | 9/1/2052 | 14527 |  | 14200 |
| Freddie Mac 3.333 07/01/2052 | 3.33% | 7/1/2052 | 7586 |  | 7224 |
| T-Mobile U.S., Inc. 5.20 01/15/2033 | 5.20% | 1/15/2033 | 1468 |  | 1488 |
| The Southern Co. 5.70 10/15/2032 | 5.70% | 10/15/2032 | 2402 |  | 2496 |
| Boston Properties, Inc. 6.75 12/01/2027 | 6.75% | 12/1/2027 | 2046 |  | 2145 |
| Bank of America Corp. 6.204 11/10/2028 | 6.20% | 11/10/2028 | 1779 |  | 1858 |
| Ford Credit Auto Owner Trust 5.27 05/17/2027 | 5.27% | 5/17/2027 | 4256 |  | 4285 |
| Exelon Corp. 3.35 03/15/2032 | 3.35% | 3/15/2032 | 1957 |  | 1752 |
| Freddie Mac Pool 3.50 08/01/2052 | 3.50% | 8/1/2052 | 724 |  | 645 |
| Freddie Mac 4.725 01/01/2053 | 4.73% | 1/1/2053 | 1723 |  | 1714 |
| UBS Group AG 5.711 01/12/2027 | 5.71% | 1/12/2027 | 578 |  | 598 |
| Freddie Mac 3.976 01/01/2053 | 3.98% | 1/1/2053 | 4183 |  | 4043 |
| Fannie Mae 3.50 05/01/2052 | 3.50% | 5/1/2052 | 3761 |  | 3344 |
| Capital One Financial Corp. 5.817 02/01/2034 | 5.82% | 2/1/2034 | 400 |  | 412 |
| Fannie Mae 3.50 04/01/2052 | 3.50% | 4/1/2052 | 2194 |  | 1955 |
| U.S. Treasury Note/Bond 4.625 02/28/2025 | 4.63% | 2/28/2025 | 4508 |  | 4580 |
| Texas Natural Gas Securitization Finance Corp. 5.102 04/01/2035 | 5.10% | 4/1/2035 | 2638 |  | 2678 |
| Freddie Mac Pool 3.50 06/01/2052 | 3.50% | 6/1/2052 | 2697 |  | 2398 |
| Ford Motor Credit Co. LLC 6.80 05/12/2028 | 6.80% | 5/12/2028 | 445 |  | 464 |
| Freddie Mac Pool 3.50 07/01/2052 | 3.50% | 7/1/2052 | 2389 |  | 2124 |
| The Charles Schwab Corp. 5.643 05/19/2029 | 5.64% | 5/19/2029 | 1290 |  | 1324 |
| The Charles Schwab Corp. 5.853 05/19/2034 | 5.85% | 5/19/2034 | 623 |  | 645 |
| Capital One Financial Corp. 6.377 06/08/2034 | 6.38% | 6/8/2034 | 489 |  | 510 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| |<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| | Fannie Mae 3.50 02/01/2053 | 3.50% | 2/1/2053 | 5208 | | 4625 |
| | Fannie Mae 3.50 06/01/2052 | 3.50% | 6/1/2052 | 971 | | 863 |
| | Fannie Mae 3.00 11/01/2040 | 3.00% | 11/25/2040 | 1884 | | 1706 |
| | Freddie Mac 4.626 08/01/2053 | 4.63% | 8/1/2053 | 3879 | | 3779 |
| | U.S. Treasury Note/Bond 5.00 08/31/2025 | 5.00% | 8/31/2025 | 7748 | | 7917 |
| | Ford Motor Credit Co. LLC 6.798 11/07/2028 | 6.80% | 11/7/2028 | 1023 | | 1070 |
| | The Charles Schwab Corp. 6.196 11/17/2029 | 6.20% | 11/17/2029 | 489 | | 514 |
| | U.S. Treasury Note/Bond 4.375 11/30/2028 | 4.38% | 11/30/2028 | 1039 | | 1043 |
| | Honda Auto Receivables Owner Trust 5.67 06/21/2028 | 5.67% | 6/21/2028 | 2841 | | 2891 |
| | Fannie Mae 3.50 11/01/2051 | 3.50% | 11/1/2051 | 2320 | | 2066 |
| | U.S. Treasury Note/Bond 4.25 01/31/2026 | 4.25% | 1/31/2026 | 10674 | | 10864 |
| | Freddie Mac Pool 3.50 05/01/2052 | 3.50% | 5/1/2052 | 891 | | 792 |
| | Fannie Mae 4.00 08/01/2052 | 4.00% | 8/1/2052 | 1020 | | 937 |
| | U.S. Treasury Note/Bond 4.125 03/31/2031 | 4.13% | 3/31/2031 | 961 | | 953 |
| | U.S. Treasury Note/Bond 4.875 05/31/2026 | 4.88% | 5/31/2026 | 14232 | | 14411 |
| | U.S. Treasury Note/Bond 3.75 08/31/2026 | 3.75% | 8/31/2026 | 17461 | | 17546 |
| | Ford Credit Auto Owner Trust 4.11 07/15/2030 | 4.11% | 7/15/2030 | 5574 | | 5487 |
| | Hyundai Auto Receivables Trust 4.44 01/15/2031 | 4.44% | 1/15/2031 | 2112 | | 2099 |
| | U.S. Treasury Note/Bond 4.125 11/30/2031 | 4.13% | 11/30/2031 | 3850 | | 3781 |
| | &nbsp;&nbsp;&nbsp;&nbsp;**Total Reinsurance Group of America Contract No. RGA00084** | | | | | $303889 |
| | **Royal Bank of Canada Contract No. Citigroup01** | | | | | |
| | CARMX 2022-4 A3 | 5.34% | 8/16/2027 | 676 | | 680 |
| | CARMX 2024-1 A2A | 5.30% | 3/15/2027 | 894 | | 897 |
| | CASH COLLATERAL CME RDR USD | 4.23% | 12/31/1960 | 197 | | 197 |
| | CASH COLLATERAL FUT RDR USD | 4.23% | 12/31/1960 | 413 | | 413 |
| | CASH COLLATERAL LCH RDR USD | 4.23% | 12/31/1960 | 354 | | 354 |
| \* | Collective U.S. Gov't STIF 15 | 4.41% | 12/1/2030 | 390 |  | 390 |
|  | FH ARM 1Q1534 H15T1Y+223.1 10.274 | 6.98% | 6/1/2037 | 278 |  | 287 |
|  | FN 793029 RFUCCT6M+159.2BP 10.869 | 6.91% | 7/1/2034 | 123 |  | 125 |
|  | FNMA PASS THRU 20YR #888843 | 5.50% | 3/1/2027 | 6 |  | 6 |
|  | FNMA PASS THRU 20YR #AE0787 | 5.50% | 5/1/2028 | 15 |  | 15 |
|  | U S TIPS REPO | 4.60% | 1/2/2025 | 39139 |  | 39139 |
|  | VM CASH CCP CME RDR USD | 4.46% | 12/31/2060 | 36 |  | 36 |
|  | VM CASH CCP LCH RDR USD | 4.46% | 12/31/2060 | 33 |  | 33 |
|  | VM CASH FUT DOM RDR USD | 4.36% | 12/31/2060 | 109 |  | 109 |
|  | ADVENT HEALTH SYSTEM | 2.95% | 3/1/2029 | 1067 |  | 974 |
|  | AMERICAN ELECTRIC POWER SR UNSEC | 5.63% | 3/1/2033 | 1423 |  | 1440 |
|  | AMERICAN HOMES 4 RENT SR UNSEC | 4.25% | 2/15/2028 | 890 |  | 870 |
|  | ANDREW W MELLON FOUNDATI UNSEC | 0.95% | 8/1/2027 | 2135 |  | 1950 |
|  | ANTHEM INC SR UNSEC | 2.55% | 3/15/2031 | 712 |  | 611 |
|  | AVANGRID INC SR UNSEC | 3.80% | 6/1/2029 | 1067 |  | 1012 |
|  | BANK OF AMERICA CORP SR UNSEC SOFR | 1.66% | 3/11/2027 | 890 |  | 857 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| BANK OF AMERICA CORP SR UNSEC SOFR | 2.59% | 4/29/2031 | 1868 |  | 1646 |
| BARCLAYS PLC SR UNSEC SOFR | 5.69% | 3/12/2030 | 1779 |  | 1797 |
| BAYER US FINANCE II LLC SR UNSEC 144A | 4.38% | 12/15/2028 | 712 |  | 685 |
| BNP PARIBAS SR NON-PREFER 144A SOFR | 3.05% | 1/13/2031 | 1334 |  | 1191 |
| BPCE SA SR NON PREF 144A SOFR | 6.61% | 10/19/2027 | 712 |  | 729 |
| BROOKFIELD FINANCE INC SR UNSEC | 4.35% | 4/15/2030 | 1423 |  | 1373 |
| CONSTELLATION EN GEN LLC SR UNSEC | 5.60% | 3/1/2028 | 890 |  | 907 |
| CONSUMERS ENERGY CO 1ST MORTGAGE | 4.90% | 2/15/2029 | 534 |  | 535 |
| DELL INT LLC / EMC CORP | 4.90% | 10/1/2026 | 534 |  | 536 |
| DEUTSCHE BANK NY SOFR | 3.04% | 5/28/2032 | 1779 |  | 1526 |
| EMORY UNIVERSITY UNSEC | 2.14% | 9/1/2030 | 2313 |  | 2017 |
| EQUITABLE FINANCIAL LIFE SEC 144A | 1.80% | 3/8/2028 | 1245 |  | 1127 |
| FLORIDA POWER & LIGHT 1ST MTG | 2.45% | 2/3/2032 | 1067 |  | 901 |
| GOLDMAN SACHS GROUP INC SR UNSEC | 3.85% | 1/26/2027 | 1601 |  | 1572 |
| HSBC HOLDINGS PLC SR UNSEC TSFR3M | 4.58% | 6/19/2029 | 1672 |  | 1639 |
| ING GROEP NV SR UNSEC | 4.05% | 4/9/2029 | 890 |  | 855 |
| JPMORGAN CHASE & CO SR UNSEC TSFR3M | 4.01% | 4/23/2029 | 3024 |  | 2934 |
| LLOYDS BANKING GROUP PLC SR UNSEC | 4.55% | 8/16/2028 | 534 |  | 524 |
| MASSMUTUAL GLOBAL FUNDIN SEC 144A | 4.50% | 4/10/2026 | 1512 |  | 1512 |
| MIZUHO FINANCIAL GROUP SR UNSEC 144A | 3.48% | 4/12/2026 | 534 |  | 525 |
| MORGAN STANLEY SR UNSEC SOFR | 5.32% | 7/19/2035 | 2224 |  | 2189 |
| NATIONAL RURAL UTIL COOP SR UNSEC | 4.80% | 3/15/2028 | 534 |  | 535 |
| NATWEST GROUP PLC SR UNSEC | 5.85% | 3/2/2027 | 1245 |  | 1258 |
| NOMURA HOLDINGS INC SR UNSEC | 3.10% | 1/16/2030 | 1423 |  | 1285 |
| NSTAR ELECTRIC CO SR UNSEC | 5.60% | 10/1/2028 | 712 |  | 719 |
| NVR INC SR UNSEC | 3.00% | 5/15/2030 | 1423 |  | 1285 |
| OLYMPUS CORP SR UNSEC 144A | 2.14% | 12/8/2026 | 1779 |  | 1689 |
| PACIFIC GAS & ELECTRIC | 3.00% | 6/15/2028 | 498 |  | 467 |
| PINNACLE WEST CAPITAL SR UNSEC | 1.30% | 6/15/2025 | 1423 |  | 1400 |
| PROLOGIS TARGETED US SR UNSEC 144A | 5.25% | 4/1/2029 | 356 |  | 360 |
| RGA GLOBAL FUNDING SEC 144A | 2.00% | 11/30/2026 | 1779 |  | 1693 |
| SANTANDER UK GROUP HLDGS SR UNSEC SOFR | 2.90% | 3/15/2032 | 1779 |  | 1523 |
| SEATTLE CHILDREN HOSP UNSEC | 1.21% | 10/1/2027 | 1601 |  | 1459 |
| SOUTHERN CAL EDISON 1ST MTGE | 5.65% | 10/1/2028 | 534 |  | 546 |
| SOUTHERN CALIF GAS CO SR UNSEC | 2.95% | 4/15/2027 | 2135 |  | 2054 |
| STANDARD CHARTER SR UNSEC 144A | 2.68% | 6/29/2032 | 890 |  | 748 |
| SUMITOMO MITSUI FINL GRP SR UNSEC | 2.13% | 7/8/2030 | 1423 |  | 1218 |
| SUTTER HEALTH UNSEC | 3.70% | 8/15/2028 | 2135 |  | 2050 |
| SYSTEM ENERGY RESOURCES 1ST | 5.30% | 12/15/2034 | 534 |  | 523 |
| UBS GROUP AG SR UNSEC 144A SOFR | 4.19% | 4/1/2031 | 1779 |  | 1683 |
| UPMC SEC | 5.04% | 5/15/2033 | 1512 |  | 1489 |
| WELLS FARGO & COMPANY SR UNSEC TSFR3M | 2.88% | 10/30/2030 | 801 |  | 723 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| WELLS FARGO & COMPANY SR UNSEC SOFR | 5.50% | 1/23/2035 | 1334 |  | 1331 |
| FIN FUT SOFR 90DAY CME (RED) 03/17/26 | —% | 3/18/2026 | 28465 |  | 27342 |
| FIN FUT US 10YR CBT 03/20/25 | 6.00% | 3/21/2025 | (1779) |  | (1935) |
| FIN FUT US 2YR CBT 03/31/25 | 6.00% | 4/1/2025 | 52304 |  | 53771 |
| FIN FUT US 5YR CBT 03/31/25 | 6.00% | 4/1/2025 | 8539 |  | 9078 |
| FIN FUT US ULTRA 10YR CBT 03/20/25 | 6.00% | 3/21/2025 | (534) |  | (594) |
| FIN FUT US ULTRA 30YR CBT 03/20/25 | 6.00% | 3/21/2025 | (5159) |  | (6135) |
| RFR USD SOFR/3.30000 12/02/24-4Y\* CME | 3.30% | 2/28/2029 | (1423) |  | 41 |
| RFR USD SOFR/3.30000 12/02/24-7Y\* CME | 3.30% | 6/30/2031 | (534) |  | 23 |
| RFR USD SOFR/3.32826 09/03/24-7Y\* CME | 3.33% | 4/30/2031 | (178) |  | 7 |
| RFR USD SOFR/3.43091 09/03/24-7Y\* LCH | 3.43% | 4/30/2031 | (356) |  | 12 |
| RFR USD SOFR/3.51042 09/03/24-4Y\* LCH | 3.51% | 11/30/2028 | (534) |  | 10 |
| RFR USD SOFR/3.51453 09/03/24-4Y\* LCH | 3.51% | 11/30/2028 | (712) |  | 14 |
| RFR USD SOFR/3.71000 03/03/25-7Y\* LCH | 3.71% | 11/30/2031 | (4270) |  | 83 |
| RFR USD SOFR/3.74000 03/03/25-4Y\* LCH | 3.74% | 5/31/2029 | (3380) |  | 38 |
| RFR USD SOFR/3.79000 03/03/25-7Y\* LCH | 3.79% | 10/31/2031 | (356) |  | 5 |
| RFR USD SOFR/3.83000 03/03/25-4Y\* LCH | 3.83% | 5/31/2029 | (2846) |  | 22 |
| DCENT 2023-A2 A | 4.93% | 6/15/2028 | 890 |  | 896 |
| FHLMC GOLD 30YR #Q3-7305 | 3.00% | 11/1/2045 | 1716 |  | 1495 |
| FHLMC GOLD 30YR GNT #G0-8693 | 3.50% | 3/1/2046 | 20 |  | 18 |
| FNMA PASS THRU 15YR #AL2222 | 3.00% | 8/1/2027 | 48 |  | 47 |
| FNMA PASS THRU 15YR #FM3869 | 3.00% | 6/1/2035 | 171 |  | 161 |
| FNMA PASS THRU 20YR #257047 | 5.50% | 1/1/2028 | 16 |  | 16 |
| FNMA PASS THRU 20YR #AD0912 | 5.50% | 4/1/2029 | 61 |  | 62 |
| FNMA PASS THRU 20YR #AL6938 | 5.50% | 4/1/2030 | 2 |  | 2 |
| FNMA PASS THRU 30YR #357908 | 5.50% | 7/1/2035 | 15 |  | 16 |
| FNMA PASS THRU 30YR #756202 | 5.50% | 12/1/2033 | 13 |  | 13 |
| FNMA PASS THRU 30YR #808040 | 5.50% | 2/1/2035 | 204 |  | 207 |
| FNMA PASS THRU 30YR #817640 | 5.50% | 11/1/2035 | 210 |  | 213 |
| FNMA PASS THRU 30YR #831356 | 5.50% | 3/1/2036 | 107 |  | 108 |
| FNMA PASS THRU 30YR #849299 | 5.50% | 1/1/2036 | 184 |  | 186 |
| FNMA PASS THRU 30YR #865433 | 5.50% | 2/1/2036 | 11 |  | 11 |
| FNMA PASS THRU 30YR #889561 | 5.50% | 6/1/2038 | 136 |  | 136 |
| FNMA PASS THRU 30YR #940765 | 5.50% | 6/1/2037 | 79 |  | 79 |
| FNMA PASS THRU 30YR #995759 | 5.50% | 11/1/2038 | 306 |  | 307 |
| FNMA PASS THRU 30YR #AD0963 | 5.50% | 9/1/2038 | 24 |  | 24 |
| FNMA PASS THRU 30YR #AL7579 | 5.50% | 2/1/2042 | 112 |  | 113 |
| FNMA PASS THRU 30YR #AS0924 | 5.00% | 11/1/2043 | 1154 |  | 1138 |
| FNMA PASS THRU 30YR #AU5386 | 3.00% | 6/1/2043 | 2447 |  | 2157 |
| FNMA PASS THRU 30YR #BV2616 | 3.00% | 7/1/2052 | 12161 |  | 10342 |
| FNMA PASS THRU 30YR #FM3241 | 3.00% | 3/1/2050 | 1234 |  | 1061 |
| FNMA PASS THRU 30YR #MA5495 | 4.50% | 10/1/2054 | 1052 |  | 990 |
| FNMA PASS THRU 30YR #SD8265 | 4.00% | 11/1/2052 | 21341 |  | 19548 |
| GNMA II MULTPL SGL 30YR #MA4587M | 4.00% | 7/20/2047 | 363 |  | 340 |
| GNMA II MULTPL SGL 30YR #MA4720M | 4.00% | 9/20/2047 | 795 |  | 743 |
| GNMA II MULTPL SGL 30YR #MA7589M | 2.50% | 9/20/2051 | 7156 |  | 5980 |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | **Interest** | **Interest** | | | | |
| |<br>**Identity of issuer** | **rate** | **rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| | DENVER SCHS-B-REF-TXB | 4.24 | % | 12/15/2037 | 1245 | | 1155 |
| | FL ST BRD ADMIN FIN-A | 5.53 | % | 7/1/2034 | 534 | | 540 |
| | LA LOCAL GOVT ENVRN-A | 4.15 | % | 2/1/2033 | 534 | | 519 |
| | LA LOCAL GOVT ENVRN-A | 4.28 | % | 2/1/2036 | 801 | | 759 |
| | NYC TRANSTNL FIN-C3 | 3.50 | % | 11/1/2032 | 3113 | | 2814 |
| | SALES TAX SECURITIZTN | 2.96 | % | 1/1/2032 | 1779 | | 1560 |
| | TX NATURAL GAS SECZ | 5.10 | % | 4/1/2035 | 1484 | | 1488 |
| | TX ST TRANSN-1ST TIER | 5.18 | % | 4/1/2030 | 1067 | | 1078 |
| | U S TREASURY BOND | 4.13 | % | 8/15/2044 | 534 | | 484 |
| | U S TREASURY NOTE | 4.13 | % | 10/31/2026 | 7116 | | 7101 |
| | U S TREASURY NOTE | 4.50 | % | 3/31/2026 | 44654 | | 44781 |
| | U S TREASURY NOTE | 4.13 | % | 6/15/2026 | 4981 | | 4973 |
| | UNINVESTED CASH PLUS RECEIVABLES | | | | | | 1483 |
| | NET UNSETTLED TRADES | | | | | | 18 |
| | NET FUTURES HELD | | | | | | (81527) |
| | BROKER CASH COLLATERAL RECEIVED | | | | | | (259) |
| | &nbsp;&nbsp;&nbsp;&nbsp;**Total Royal Bank of Canada Contract No. Citigroup01** | | | | | | $218311 |
| | **Voya Retirement Ins & Annuity Co 60266** | | | | | | |
| | 1-3 Year Credit Bond Index Fund | | | | 986 | | $13869 |
| | Asset-Backed Securities Index Fund | | | | 1385 | | 55538 |
| | Commercial Mortgage-Backed Securities Index Fund | | | | 662 | | 21718 |
| | GOV1-3A (#101089) | | | | 317 | | 41685 |
| | Intermediate Government Bond Index Fund | | | | 837 | | 39073 |
| | Intermediate Term Credit Bond Index Fund | | | | 1640 | | 105903 |
| | Mortgage-Backed Securities (MBS) Index Fund | | | | 1310 | | 69514 |
| | &nbsp;&nbsp;&nbsp;&nbsp;**Total Voya Retirement Ins & Annuity Co 60266** | | | | | | $347300 |
| | &nbsp;&nbsp;&nbsp;&nbsp;**Total Synthetic guaranteed invesment contracts:** | | | | | | $1442261 |
| | &nbsp;&nbsp;&nbsp;&nbsp;**Total Investments** | | | | | | $49005708 |
| \* | Participant loans | 4.25% to 9.25% | 4.25% to 9.25% |  |  | $0 | **603564** |
|  | **Other investment liabilities** |  |  |  |  |  |  |
|  | Payable In Canadian Dollar |  |  |  |  |  | $(10) |
|  | Payable In Danish Krone |  |  |  |  |  | (402) |
|  | Payable In Euro |  |  |  |  |  | (2118) |
|  | Payable In Hong Kong Dollar |  |  |  |  |  | (309) |
|  | Payable In Japanese Yen |  |  |  |  |  | (289) |
|  | Payable In Norwegian Krone |  |  |  |  |  | (11) |
|  | Payable In Pound Sterling |  |  |  |  |  | (1593) |
|  | Payable In Swiss Franc |  |  |  |  |  | (183) |
|  | Payable In U.S. Dollar |  |  |  |  |  | $(17) |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO**

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

EIN: 66-0177415 Plan No. 002

December 31, 2024

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**Identity of issuer** | **Interest**<br>**rate** | **Maturity**<br>**date** | **Number of**<br> **shares/units** | **Cost**<br> **value\*\*** | **Current**<br> **value** |
| &nbsp;&nbsp;&nbsp;&nbsp;**&nbsp;&nbsp;&nbsp;&nbsp;Total Other investment liabilities** |  |  |  |  | $**(4932)** |
| &nbsp;&nbsp;&nbsp;&nbsp;**&nbsp;&nbsp;&nbsp;&nbsp;Totals** |  |  |  |  | $**49604340** |

---

\*Party-in-interest, as defined by ERISA

\*\*The cost of participant-directed investments is not required to be disclosed

See accompanying Report of Independent Registered Public Accounting Firm

------

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer the employee benefit plan) have duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized.

Citi Retirement Savings Plan for Puerto Rico

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| |
|:---|
| By: <u>/s/ Sara Wechter</u> |
| &nbsp;&nbsp;&nbsp;&nbsp;Sara Wechter |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*Human Resources Officer* |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

Date: June 27, 2025

------

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| **Exhibit <br>Number** | **Description of Exhibit** |
| <u>[23.1](ex231401kplanpuertorico11-.htm)</u>\* | <u>[Consent of KPMG LLP](ex231401kplanpuertorico11-.htm)</u> |

---

**______________________**

**\*** Filed herewith.

## Exhibit 23.1

**Exhibit 23.1**

**Consent of Independent Registered Public Accounting Firm**

We consent to the incorporation by reference in the registration statements (No. 333-119680, No. 333-148844, No. 333-166215, No. 333-225038, and No. 333-256099) on Form S-8 of our report dated June 27, 2025, with respect to the financial statements of the Citi Retirement Savings Plan for Puerto Rico.

<u>/s/ KPMG LLP</u>

New York, New York

June 27, 2025

<br>