Citigroup executive tax-withholds 16,492 C shares

Citigroup Inc. executive Gonzalo Luchetti, Head of U.S. Personal Banking, reported a tax-related share withholding.

Rhea-AI Filing Summary

Citigroup Inc. executive Gonzalo Luchetti, Head of U.S. Personal Banking, reported a tax-related share withholding. On 01/20/2026, 16,492.31 shares of Citigroup common stock were withheld at a reference price of $118.04 per share to satisfy tax withholding obligations tied to the vesting of previously awarded stock, rather than being sold in an open-market transaction. After this withholding, Luchetti beneficially owned 74,611.2 Citigroup common shares directly.

Insider Trade Summary

Exercise Price or Tax Liability: 16,492.31 shares

Exercise Price or Tax Liability 1 txn

Insider LUCHETTI GONZALO

Role Head of U.S. Personal Banking

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock	16,492.31	$118.04	$1.95M

Holdings After Transaction: Common Stock — 74,611.2 shares (Direct)

Footnotes (1)

1. F1. Withholding of shares of common stock to satisfy tax withholding obligations in connection with the vesting of previously awarded stock.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

Who is the insider in this Citigroup (C) Form 4 filing?

The insider is Gonzalo Luchetti, who serves as Head of U.S. Personal Banking at Citigroup Inc. and is an officer of the company.

What type of transaction did Gonzalo Luchetti report in Citigroup (C) stock?

He reported a Form 4 transaction coded "F", reflecting withholding of common stock shares to satisfy tax withholding obligations related to the vesting of previously awarded stock.

How many Citigroup (C) shares were withheld for taxes in this Form 4?

A total of 16,492.31 shares of Citigroup common stock were withheld to cover tax obligations upon vesting of previously awarded stock.

At what price were the withheld Citigroup (C) shares valued in the Form 4?

The withheld Citigroup common shares were valued at a price of $118.04 per share in the reported transaction.

How many Citigroup (C) shares does Gonzalo Luchetti hold after the transaction?

Following the tax withholding transaction, Gonzalo Luchetti beneficially owned 74,611.2 shares of Citigroup common stock, held directly.

Was this Citigroup (C) Form 4 transaction an open-market sale by the executive?

No. The footnote explains that the transaction reflects withholding of shares to satisfy tax withholding obligations associated with the vesting of previously awarded stock, not an open-market sale.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 01/20/2026 - 05:07 PM EST Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

LUCHETTI GONZALO

(Last) (First) (Middle)

CITIGROUP INC.

388 GREENWICH STREET

(Street)

NEW YORK NY 10013

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
CITIGROUP INC [ C ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Head of U.S. Personal Banking

3. Date of Earliest Transaction (Month/Day/Year)
01/20/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	01/20/2026		F		16,492.31(1)	D	$118.04	74,611.2	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Withholding of shares of common stock to satisfy tax withholding obligations in connection with the vesting of previously awarded stock.

	Gonzalo Luchetti by Joseph B. Wollard, Attorney-in-Fact	01/20/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.