The Workforce AI Index · Financial Services
Citigroup (C)
A global bank read by description. Read October 1, 2026 from the annual report for the period ending 2025-12-31, filed 2026-02-20. Ranked 9 of the 15 Financial Services companies read so far, by the share within reach now: the sector.
The filing states the total, the year-earlier count and the U.S. share, and nothing by segment, so the banking and securities patterns follow the description.
The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.
What follows from the reading
Share of working time within reach of AI, on the long-run pace at four in five: 37% now, 59% at the end of 2027, 68% at the end of 2028, 71% at the end of 2030. By the patterns, the work is about 71% desk work, 23% people work and 6% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 30% of the working time stays with people (conversation, in-person and hands-on work), 60% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.
Headcount
226,000 employees as of 2025-12-31 (stated). Approximately 31% of employees are based in the U.S.; employees are in over 90 countries.
The filing: “At December 31, 2025, Citi had approximately 226,000 full-time employees, compared to approximately 229,000 at December 31, 2024.”
The workforce as industry patterns
| Pattern | Share | Reason, from the filing |
|---|---|---|
| Credit Intermediation and Related Activities (5221 and 5223 only) | 55% | By (c): the filing states the total and the U.S. share but no headcount by segment, and describes services, personal banking and corporate banking businesses, so the larger share is read into the commercial banking pattern by description. |
| Securities, Commodity Contracts, and Other Financial Investments and Related Activities | 45% | By (c): markets, investment banking and wealth management are described as segments without a headcount, so a share is read into the securities and investments pattern by description. |
What the filing says about the workforce: About 226,000 full-time employees, down from about 229,000 a year earlier; 31% in the U.S.; employees in over 90 countries across all segments.
Companies read with the same leading pattern
Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.
- JPMorgan Chase (JPM, 318,512 employees)35% now, 68% by 2028
- Bank of America (BAC, 213,000 employees)38% now, 67% by 2028
- Wells Fargo (WFC, 205,000 employees)38% now, 67% by 2028
- Capital One Financial Corporation (COF, 76,300 employees)39% now, 66% by 2028
- U.S. Bancorp (USB, 68,520 employees)39% now, 66% by 2028
- The PNC Financial Services Group, Inc. (PNC, 55,333 employees)38% now, 66% by 2028
What the filing says about AI
24 sentences in the filing name AI. AI appears in the competition and risk discussion as an emerging technology beside digital assets; the human capital section does not mention it.
- “Progress through 2025 included the following: enhanced and implemented automated controls to further mitigate risk of large erroneous payments in over 90 countries completed migration of committed corporate loans to Citi's strategic loans processing platform for North America applied technology solutions leveraging AI to support governance of data reported in key regulatory reports completed on...”
- “For additional information on Citi's competitive risks, see the co-branding and private label credit cards and qualified employees risk factors above and the AI risk factor and "Supervision, Regulation and Other-Competition" below.”
- “These emerging technologies, such as artificial intelligence (AI) and digital assets (including tokenized deposits, cryptocurrencies, stablecoins and other assets and products that use distributed ledger or blockchain technology) and changes in the payments space (e.g., instant and 24/7 payments) are accelerating, and, as a result, certain of Citi's products and services could become less compe...”
- “For example, the use or development of emerging technologies, such as AI or digital assets, without sufficient controls, governance and risk management may result in increased risks across various risk categories (for additional information, see the AI, operational processes and systems and cybersecurity risk factors below).”
- “The Development and Use of AI by Citi and Others Present Risks to Citi's Businesses.”
Headcount by filing year
As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.
| Period | Employees | Filed | Filing |
|---|---|---|---|
| 2025-12-31 | 226,000 | 2026-02-20 | 10-K |
| 2024-12-31 | 229,000 | 2025-02-21 | 10-K |
| 2023-12-31 | 239,000 | 2024-02-23 | 10-K |
| 2022-12-31 | 240,000 | 2023-02-27 | 10-K |
| 2021-12-31 | 223,400 | 2022-02-28 | 10-K |
| 2020-12-31 | 210,153 | 2021-02-26 | 10-K |
| 2019-12-31 | 200,000 | 2020-02-21 | 10-K |
| 2018-12-31 | 204,000 | 2019-02-22 | 10-K |
| 2017-12-31 | 209,000 | 2018-02-23 | 10-K |
| 2016-12-31 | 219,000 | 2017-02-24 | 10-K |
| 2015-12-31 | 231,000 | 2016-02-26 | 10-K |
| 2014-12-31 | 241,000 | 2015-02-25 | 10-K |
| 2013-12-31 | 251,000 | 2014-03-03 | 10-K |
| 2012-12-31 | 259,000 | 2013-03-01 | 10-K |
| 2011-12-31 | 266,000 | 2012-02-24 | 10-K |
| 2010-12-31 | 260,000 | 2011-02-25 | 10-K |
| 2009-12-31 | 265,300 | 2010-02-26 | 10-K |
| 2008-12-31 | 322,800 | 2009-02-27 | 10-K |
| 2007-12-31 | 374,000 | 2008-02-22 | 10-K |
| 2006-12-31 | 327,000 | 2007-02-23 | 10-K |
| 2005-12-31 | 299,000 | 2006-02-24 | 10-K |
| 2004-12-31 | 287,000 | 2005-02-28 | 10-K |
| 2003-12-31 | 253,000 | 2004-03-01 | 10-K |
| 2002-12-31 | 250,000 | 2003-03-03 | 10-K |
| 2001-12-31 | 268,000 | 2002-03-12 | 10-K405 |
| 2000-12-31 | 233,000 | 2001-03-14 | 10-K405 |
| 1999-12-31 | 173,800 | 2000-03-10 | 10-K405 |
| 1998-12-31 | 166,500 | 1999-03-08 | 10-K405 |
| 1996-12-31 | 56,200 | 1997-03-26 | 10-K405 |
| 1995-12-31 | 47,600 | 1996-03-27 | 10-K |
| 1993-12-31 | 60,000 | 1994-03-31 | 10-K |
Limits of this reading
- No headcount by segment is stated; both pattern shares follow the business description (c).
Source: the company's annual report on EDGAR, accession 0000831001-26-000011, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.
Questions about this company
- How much of Citigroup's working time is within reach of AI?
- An estimated 37% now and 68% by the end of 2028, on METR's long-run pace at four in five, from the workforce Citigroup's own annual report describes and BLS staffing patterns for its industries, never from a roster. It is an estimate with a stated method. It is not a forecast of jobs lost or of savings, and it says nothing about what the company will do.
- How many people does Citigroup employ?
- 226,000 as of December 31, 2025, as its annual report for the period ending December 31, 2025 states. About 31% in the U.S.
- What kinds of work make up Citigroup's workforce?
- Read from its annual report as a blend of 2 industry staffing patterns, the largest Credit Intermediation and Related Activities (5221 and 5223 only); by those patterns the work is about 71% desk work, 23% people work and 6% body work. Each share has a one-sentence reason on this page that can be checked against the filing.
- What does Citigroup's annual report say about AI?
- 24 sentences in the filing name AI. They are counted and quoted on this page, never judged: a count says how much a filing talks about AI, not what the company does with it.
- How is this estimated?
- Claude Fable 5.1 read the annual report under the Index's written rubric (version 1) on October 1, 2026: the stated headcount, the share in the U.S. when stated, and the workforce as a blend of industry staffing patterns. The estimates are the site's industry estimates weighted by those shares, from O*NET tasks with estimated lengths and METR's measurements of how long a task AI models can finish. A company can write to info@stratussc.com to have its reading checked against its filing.
Embed these figures on your site
A small card with the share of working time within reach now and at the end of 2027, 2028 and 2030, the date and a link back. Free under CC BY 4.0; the card carries the credit.