Citigroup Inc may need to borrow up to $10 billion in capital, people familiar with the matter told the Wall Street Journal.

Citigroup is in the midst of a review by the U.S. government to determine if the bank can withstand losses in a “more adverse” than the current economic situation.

Bank officials are speaking with the U.S. Federal Reserve to negotiate over the results of the government’s stress tests which are set to be released on Thursday.