Citigroup Inc 8-K 2012-03-26

Exhibit 99.1

* 3/15/12 - HISTORICAL DRAFT *

CITIGROUP - QUARTERLY FINANCIAL DATA SUPPLEMENT	4Q11 HISTORICAL

	Page Number
Citigroup Consolidated
Financial Summary	1
Consolidated Statement of Income	2
Consolidated Balance Sheet	3
Segment Detail
Net Revenues	4
Income	5

Citicorp

Income Statement and Balance Sheet Data	6

Global Consumer Banking	7 - 8
North America	9 - 11
EMEA	12 - 13
Latin America	14 - 15
Asia	16 - 17
Institutional Clients Group (ICG)	18
Securities and Banking	19
Transaction Services	20

Regional Totals
North America	21
EMEA	22
Latin America	23
Asia	24

Citi Holdings

Income Statement and Balance Sheet Data	25

Brokerage and Asset Management	26
Local Consumer Lending	27 - 29
Special Asset Pool	30

Corporate / Other	31
Citigroup Supplemental Detail
Average Balances and Interest Rates	32
Deposits	33
Loans	34
Consumer Loan Delinquency Amounts and Ratios
90+ Days	35
30-89 Days	36
Allowance for Credit Losses
Total Citigroup	37
Consumer and Corporate	38 - 39
Components of Provision for Loan Losses
Citicorp	40
Citi Holdings / Total Citigroup	41
Non-Accrual Assets
Total Citigroup	42
Citicorp	43
Citi Holdings	44

Reconciliation of Non-GAAP Financial Measures	45 - 48

CITIGROUP FINANCIAL SUMMARY

(In millions of dollars, except per share amounts)


																																					Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011			2009			2010			2011

Total Managed Revenues (1)	$	26,973		$	33,095		$	23,142		$	7,882		$	25,421		$	22,071		$	20,738		$	18,371		$	19,726		$	20,622		$	20,831		$	17,174		$	91,092		$	86,601		$	78,353
Total Managed Net Credit Losses (1)	$	9,830		$	11,470		$	10,982		$	9,980		$	8,384		$	7,962		$	7,659		$	6,854		$	6,269		$	5,147		$	4,514		$	4,108		$	42,262		$	30,859		$	20,038

Total Revenues, Net of Interest Expense	$	24,521		$	29,969		$	20,390		$	5,405		$	25,421		$	22,071		$	20,738		$	18,371		$	19,726		$	20,622		$	20,831		$	17,174		$	80,285		$	86,601		$	78,353
Total Operating Expenses	11,685			11,999			11,824			12,314			11,518			11,866			11,520			12,471			12,326			12,936			12,460			13,211			47,822			47,375			50,933
Net Credit Losses	7,282			8,355			7,969			7,135			8,384			7,962			7,659			6,854			6,269			5,147			4,514			4,108			30,741			30,859			20,038
Credit Reserve Build / (Release)	2,633			3,878			802			706			(18		)	(1,439		)	(1,993		)	(2,215		)	(3,370		)	(1,966		)	(1,465		)	(1,464		)	8,019			(5,665		)	(8,265		)
Provision for Unfunded Lending Commitments	60			135						49			(35		)	(71		)	26			(37		)	25			(13		)	43			(4		)	244			(117		)	51
Provision for Benefits & Claims	332			308			324			294			287			213			227			238			260			219			259			234			1,258			965			972
Provision for Credit Losses and for Benefits and Claims	10,307			12,676			9,095			8,184			8,618			6,665			5,919			4,840			3,184			3,387			3,351			2,874			40,262			26,042			12,796
Income from Continuing Operations before Income Taxes	2,529			5,294			(529		)	(15,093		)	5,285			3,540			3,299			1,060			4,216			4,299			5,020			1,089			(7,799		)	13,184			14,624
Income Taxes (benefits)	835			907			(1,122		)	(7,353		)	1,036			812			698			(313		)	1,185			967			1,278			91			(6,733		)	2,233			3,521
Income from Continuing Operations	$	1,694		$	4,387		$	593		$	(7,740	)	$	4,249		$	2,728		$	2,601		$	1,373		$	3,031		$	3,332		$	3,742		$	998		$	(1,066	)	$	10,951		$	11,103
Income (Loss) from Discontinued Operations, net of Taxes	(117		)	(142		)	(418		)	232			211			(3		)	(374		)	98			40			71			1						(445		)	(68		)	112
Net Income before Attribution of Noncontrolling Interests	1,577			4,245			175			(7,508		)	4,460			2,725			2,227			1,471			3,071			3,403			3,743			998			(1,511		)	10,883			11,215
Net Income Attributable to Noncontrolling Interests	(16		)	(34		)	74			71			32			28			59			162			72			62			(28		)	42			95			281			148
Citigroups Net Income	$	1,593		$	4,279		$	101		$	(7,579	)	$	4,428		$	2,697		$	2,168		$	1,309		$	2,999		$	3,341		$	3,771		$	956		$	(1,606	)	$	10,602		$	11,067

Diluted Earnings Per Share (2):
Income from Continuing Operations	$	(1.58	)	$	5.08		$	(2.33	)	$	(3.42	)	$	1.43		$	0.90		$	0.83		$	0.40		$	0.97		$	1.07		$	1.23		$	0.31		$	(7.61	)	$	3.55		$	3.59
Citigroups Net Income	$	(1.79	)	$	4.85		$	(2.68	)	$	(3.32	)	$	1.50		$	0.90		$	0.72		$	0.43		$	0.99		$	1.09		$	1.23		$	0.31		$	(7.99	)	$	3.54		$	3.63
Shares (in millions) (2):
Average Basic	538.5			540.0			1,210.4			2,338.4			2,844.4			2,884.9			2,887.8			2,893.3			2,904.4			2,908.6			2,910.8			2,915.2			1,156.8			2,877.6			2,909.8
Average Diluted	595.3			596.8			1,221.6			2,426.0			2,933.4			2,975.3			2,977.8			2,984.8			2,996.6			2,997.0			2,998.6			3,003.0			1,209.9			2,967.8			2,998.8
Common Shares Outstanding, at period end	551.3			550.8			2,286.4			2,848.3			2,862.0			2,897.5			2,905.0			2,905.8			2,920.6			2,917.9			2,923.7			2,923.9			2,848.3			2,905.8			2,923.9

Preferred Dividends - Basic (in millions)	$	1,274		$	1,549		$	288		$			$			$			$			$	9		$	4		$	9		$	4		$	9		$	3,111		$	9		$	26
Preferred Dividends - Diluted (in millions)	$	1,004		$	1,279		$	288		$			$			$			$			$	9		$	4		$	9		$	4		$	9		$	2,571		$	9		$	26

Income Allocated to Unrestricted Common Shareholders - Basic
Income from Continuing Operations	$	(849	)	$	2,761		$	(2,824	)	$	(7,998	)	$	4,190		$	2,674		$	2,468		$	1,194		$	2,920		$	3,200		$	3,696		$	930		$	(8,799	)	$	10,522		$	10,745
Citigroups Net Income	$	(966	)	$	2,625		$	(3,242	)	$	(7,766	)	$	4,400		$	2,671		$	2,148		$	1,288		$	2,960		$	3,270		$	3,697		$	930		$	(9,246	)	$	10,503		$	10,855

Income Allocated to Unrestricted Common Shareholders - Diluted
Income from Continuing Operations	$	(581	)	$	3,032		$	(2,824	)	$	(7,998	)	$	4,191		$	2,675		$	2,469		$	1,195		$	2,921		$	3,206		$	3,702		$	933		$	(8,261	)	$	10,525		$	10,762
Citigroups Net Income	$	(698	)	$	2,895		$	(3,242	)	$	(7,766	)	$	4,400		$	2,672		$	2,149		$	1,289		$	2,961		$	3,276		$	3,703		$	933		$	(8,706	)	$	10,505		$	10,872

Financial Ratios:
Tier 1 Common Ratio	2.16		%	2.75		%	9.12		%	9.60		%	9.11		%	9.71		%	10.33		%	10.75		%	11.34		%	11.62		%	11.71		%	11.80		%	9.60		%	10.75		%	11.80		%
Tier 1 Capital Ratio	11.92		%	12.74		%	12.76		%	11.67		%	11.28		%	11.99		%	12.50		%	12.91		%	13.26		%	13.55		%	13.45		%	13.55		%	11.67		%	12.91		%	13.55		%
Total Capital Ratio	15.61		%	16.62		%	16.58		%	15.25		%	14.88		%	15.59		%	16.14		%	16.59		%	16.98		%	17.18		%	16.89		%	16.99		%	15.25		%	16.59		%	16.99		%
Leverage Ratio	6.60		%	6.90		%	6.85		%	6.87		%	6.16		%	6.31		%	6.57		%	6.60		%	7.00		%	7.05		%	7.01		%	7.19		%	6.87		%	6.60		%	7.19		%
Return on Common Equity	(5.6		)%	14.8		%	(12.2		)%	(21.6		)%	12.0		%	7.0		%	5.4		%	3.2		%	7.3		%	7.7		%	8.4		%	2.1		%	9.4		%	6.8		%	6.3		%

Balance Sheet Data, EOP (in billions, except Book Value per Share):
Total Assets	$	1,822.6		$	1,848.5		$	1,888.6		$	1,856.6		$	2,002.2		$	1,937.7		$	1,983.3		$	1,913.9		$	1,947.8		$	1,956.6		$	1,936.0		$	1,873.9		$	1,856.6		$	1,913.9		$	1,873.9
Total Deposits	762.7			804.7			832.6			835.9			827.9			814.0			850.1			845.0			865.9			866.3			851.3			865.9			835.9			845.0			865.9
Citigroups Stockholders Equity	143.9			152.3			140.8			152.7			151.4			154.8			162.9			163.5			171.0			176.4			177.4			177.8			152.7			163.5			177.8
Citigroup Equity and Trust Securities (included in LT Debt)	168.6			176.5			175.4			172.0			173.1			175.0			183.4			181.6			189.0			192.4			193.5			193.9			172.0			181.6			193.9
Book Value Per Share (2)	$	126.41		$	141.61		$	61.46		$	53.50		$	52.80		$	53.32		$	55.97		$	56.15		$	58.46		$	60.34		$	60.56		$	60.70		$	53.50		$	56.15		$	60.70
Tangible Book Value Per Share (2)	$	56.09		$	72.63		$	44.74		$	41.50		$	40.90		$	41.86		$	44.42		$	44.55		$	46.87		$	48.75		$	49.50		$	49.74		$	41.50		$	44.55		$	49.74

Direct Staff (in thousands)	309			279			276			265			263			259			258			260			260			263			267			266			265			260			266

(1)	As previously disclosed, effective January 1, 2010, Citigroup adopted SFAS No. 166, Accounting for Transfers of Financial Assets, an amendment of FASB Statement No. 140 (SFAS 166) and SFAS No. 167, Amendments to FASB Interpretation No. 46(R) (SFAS 167). As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. For comparison purposes throughout this supplement, revenues, net credit losses, provisions for credit losses and for benefits and claims, and loans (and all related delinquencies and ratios) for periods prior to January 1, 2010 are presented on a managed basis. Managed presentations were applicable only to Citigroups North America branded and retail services card operations in North America Regional Consumer Banking. Prior to January 1, 2010, managed-basis presentations were non-GAAP financial measures. Managed presentations included results from both the on-balance sheet loans and off-balance sheet loans, and excluded the impact of card securitization activity. Managed presentations assumed that securitized loans had not been sold and presented the results of the securitized loans in the same manner as Citigroups owned loans. See pages 45 - 47 for reconciliations of managed measures to their most comparable GAAP measure.

(2)	Earnings per share, Book value per share and tangible book value per share reflect Citigroups 1-for-10 reverse stock split which was effective May 6, 2011. Tangible book value per share is a non-GAAP financial measure. See page 44 for a reconciliation of this measure to its most comparable GAAP measure.

Note: Ratios and returns are calculated based on the displayed numbers.

Reclassified to conform to the current periods presentation.

CITIGROUP CONSOLIDATED STATEMENT OF INCOME

(In millions of dollars)

Full

Year

2009

2010

2011

2009

2010

2011

Revenues

Interest revenue	$	20,531		$	19,614		$	18,616		$	17,637		$	20,783		$	20,356		$	19,311		$	18,832		$	18,155		$	18,586		$	18,145		$	17,795		$	76,398		$	79,282		$	72,681
Interest expense	7,711			6,885			6,723			6,583			6,342			6,429			6,183			6,142			6,053			6,438			6,031			5,712			27,902			25,096			24,234
Net interest revenue	12,820			12,729			11,893			11,054			14,441			13,927			13,128			12,690			12,102			12,148			12,114			12,083			48,496			54,186			48,447

Commissions and fees	3,984			4,084			3,698			3,719			3,645			3,229			3,248			3,536			3,368			3,557			3,043			2,882			15,485			13,658			12,850
Principal transactions	3,948			1,762			1,472			(1,114		)	4,116			2,362			2,085			(1,046		)	3,167			2,616			2,103			(652		)	6,068			7,517			7,234
Administrative and other fiduciary fees	1,606			1,472			1,085			1,032			1,022			910			976			1,097			1,097			1,068			945			885			5,195			4,005			3,995
Realized gains (losses) on investments (1)	9			(160		)	(285		)	(474		)	31			69			742			158			(1,127		)	412			619			(161		)	(910		)	1,000			(257		)
Insurance premiums	755			745			763			757			748			636			655			645			672			684			658			633			3,020			2,684			2,647
Other revenue	1,399			9,337			1,764			(9,569		)	1,418			938			(96		)	1,291			447			137			1,349			1,504			2,931			3,551			3,437
Total non-interest revenues	11,701			17,240			8,497			(5,649		)	10,980			8,144			7,610			5,681			7,624			8,474			8,717			5,091			31,789			32,415			29,906
Total revenues, net of interest expense	24,521			29,969			20,390			5,405			25,421			22,071			20,738			18,371			19,726			20,622			20,831			17,174			80,285			86,601			78,353

Provisions for Credit Losses and for Benefits and Claims

Net credit losses	7,282			8,355			7,969			7,135			8,384			7,962			7,659			6,854			6,269			5,147			4,514			4,108			30,741			30,859			20,038
Credit reserve build / (release)	2,633			3,878			802			706			(18		)	(1,439		)	(1,993		)	(2,215		)	(3,370		)	(1,966		)	(1,465		)	(1,464		)	8,019			(5,665		)	(8,265		)
Provision for loan losses	9,915			12,233			8,771			7,841			8,366			6,523			5,666			4,639			2,899			3,181			3,049			2,644			38,760			25,194			11,773
Policyholder benefits and claims	332			308			324			294			287			213			227			238			260			219			259			234			1,258			965			972
Provision for unfunded lending commitments	60			135						49			(35		)	(71		)	26			(37		)	25			(13		)	43			(4		)	244			(117		)	51
Total provisions for credit losses and for benefits and claims	10,307			12,676			9,095			8,184			8,618			6,665			5,919			4,840			3,184			3,387			3,351			2,874			40,262			26,042			12,796

Operating Expenses
Compensation and benefits	6,235			6,359			6,136			6,257			6,162			5,961			6,117			6,190			6,409			6,669			6,223			6,387			24,987			24,430			25,688
Premises and Equipment	926			930			869			972			830			824			838			839			825			832			860			809			3,697			3,331			3,326
Technology / communication expense	1,299			1,315			1,280			1,321			1,199			1,195			1,257			1,273			1,214			1,275			1,306			1,338			5,215			4,924			5,133
Advertising and marketing expense	334			351			317			413			302			367			458			518			397			627			635			687			1,415			1,645			2,346
Other operating	2,891			3,044			3,222			3,351			3,025			3,519			2,850			3,651			3,481			3,533			3,436			3,990			12,508			13,045			14,440
Total operating expenses	11,685			11,999			11,824			12,314			11,518			11,866			11,520			12,471			12,326			12,936			12,460			13,211			47,822			47,375			50,933

Income from Continuing Operations before Income Taxes	2,529			5,294			(529		)	(15,093		)	5,285			3,540			3,299			1,060			4,216			4,299			5,020			1,089			(7,799		)	13,184			14,624
Provision (benefits) for income taxes	835			907			(1,122		)	(7,353		)	1,036			812			698			(313		)	1,185			967			1,278			91			(6,733		)	2,233			3,521

Income from Continuing Operations	1,694			4,387			593			(7,740		)	4,249			2,728			2,601			1,373			3,031			3,332			3,742			998			(1,066		)	10,951			11,103
Discontinued Operations (2)
Income (Loss) from Discontinued Operations	(152		)	(279		)	(204		)	(18		)	(5		)	(3		)	8			72			60			(17		)	(5		)	(15		)	(653		)	72			23
Gain (Loss) on Sale	(12		)	14						100			94						(784		)	(12		)	4			126			16			9			102			(702		)	155
Provision (benefits) for income taxes	(47		)	(123		)	214			(150		)	(122		)				(402		)	(38		)	24			38			10			(6		)	(106		)	(562		)	66
Income (Loss) from Discontinued Operations, net of taxes	(117		)	(142		)	(418		)	232			211			(3		)	(374		)	98			40			71			1						(445		)	(68		)	112
Net Income before attribution of Noncontrolling Interests	1,577			4,245			175			(7,508		)	4,460			2,725			2,227			1,471			3,071			3,403			3,743			998			(1,511		)	10,883			11,215

Net Income attributable to noncontrolling interests	(16		)	(34		)	74			71			32			28			59			162			72			62			(28		)	42			95			281			148
Citigroups Net Income	$	1,593		$	4,279		$	101		$	(7,579	)	$	4,428		$	2,697		$	2,168		$	1,309		$	2,999		$	3,341		$	3,771		$	956		$	(1,606	)	$	10,602		$	11,067

(1) Includes other-than-temporary impairment losses on investments.

(2) Discontinued operations includes:

a) The sale of Nikko Cordial Securities to Sumitomo Mitsui Banking Corporation.

b) The sale of The Student Loan Corporation.

c) The sale of the Egg Credit Card business.

Reclassified to conform to the current periods presentation.

CITIGROUP CONSOLIDATED BALANCE SHEET

(In millions of dollars)

	March 31,			June 30,			September 30,			December 31,			March 31,			June 30,			September 30,			December 31,			March 31,			June 30,			September 30,			December 31,
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011
Assets
Cash and due from banks (including segregated cash and other deposits)	$	31,063		$	26,915		$	26,482		$	25,472		$	25,678		$	24,709		$	26,342		$	27,972		$	27,842		$	27,766		$	28,950		$	28,701
Deposits with banks	159,503			182,577			217,730			167,414			163,525			160,780			150,071			162,437			163,603			156,181			159,338			155,784
Fed funds sold and securities borrd or purch under agree. to resell	179,603			179,503			197,357			222,022			234,348			230,784			240,057			246,717			261,120			283,976			290,645			275,849
Brokerage receivables	43,329			34,598			34,667			33,634			34,001			36,872			37,138			31,213			40,901			40,695			37,992			27,777
Trading account assets	335,222			325,037			340,697			342,773			345,783			309,412			337,098			317,272			323,110			322,349			320,637			291,734
Investments
Available-for-sale and non-marketable equity securities	178,046			207,135			206,074			254,592			270,385			285,783			310,143			289,057			311,773			294,664			273,791			281,930
Held-to-maturity	60,760			59,622			55,816			51,527			46,348			31,283			30,107			29,107			15,484			14,910			12,866			11,483
Total Investments	238,806			266,757			261,890			306,119			316,733			317,066			340,250			318,164			327,257			309,574			286,657			293,413
Loans, net of unearned income
Consumer	453,487			447,146			440,965			423,460			529,022			502,917			460,589			455,184			438,429			439,939			424,212			423,340
Corporate	203,805			194,544			181,246			168,044			192,782			189,249			193,722			193,610			198,707			207,561			213,027			223,902
Loans, net of unearned income	657,292			641,690			622,211			591,504			721,804			692,166			654,311			648,794			637,136			647,500			637,239			647,242
Allowance for loan losses	(31,703		)	(35,940		)	(36,416		)	(36,033		)	(48,746		)	(46,197		)	(43,674		)	(40,655		)	(36,568		)	(34,362		)	(32,052		)	(30,115		)
Total loans, net	625,589			605,750			585,795			555,471			673,058			645,969			610,637			608,139			600,568			613,138			605,187			617,127
Goodwill	26,410			25,578			25,423			25,392			25,662			25,201			25,797			26,152			26,339			26,621			25,496			25,413
Intangible assets (other than MSRs)	13,612			10,098			8,957			8,714			8,277			7,868			7,705			7,504			7,280			7,136			6,800			6,600
Mortgage servicing rights (MSRs)	5,481			6,770			6,228			6,530			6,439			4,894			3,976			4,554			4,690			4,258			2,852			2,569
Other assets	163,960			165,538			159,769			163,105			168,709			174,101			172,800			163,778			162,433			164,932			171,438			148,911
Assets related to discontinued operations held for sale				19,412			23,604												31,409						2,672
Total assets	$	1,822,578		$	1,848,533		$	1,888,599		$	1,856,646		$	2,002,213		$	1,937,656		$	1,983,280		$	1,913,902		$	1,947,815		$	1,956,626		$	1,935,992		$	1,873,878

Liabilities
Non-interest-bearing deposits in U.S. offices	$	78,008		$	77,180		$	77,460		$	71,325		$	66,796		$	59,225		$	64,442		$	78,268		$	81,839		$	86,631		$	103,129		$	119,437
Interest-bearing deposits in U.S. offices	219,910			234,250			244,856			232,093			230,919			241,820			237,626			225,731			222,613			220,436			218,595			223,851
Total U.S. Deposits	297,918			311,430			322,316			303,418			297,715			301,045			302,068			303,999			304,452			307,067			321,724			343,288
Non-interest-bearing deposits in offices outside the U.S.	36,602			40,389			40,606			44,904			45,471			46,322			52,080			55,066			61,851			61,898			58,564			57,357
Interest-bearing deposits in offices outside the U.S.	428,176			452,917			469,681			487,581			484,728			466,584			495,947			485,903			499,560			497,345			470,993			465,291
Total International Deposits	464,778			493,306			510,287			532,485			530,199			512,906			548,027			540,969			561,411			559,243			529,557			522,648

Total deposits	762,696			804,736			832,603			835,903			827,914			813,951			850,095			844,968			865,863			866,310			851,281			865,936
Fed funds purch and securities loaned or sold under agree. to repurch.	184,803			172,016			178,159			154,281			207,911			196,112			192,065			189,558			187,825			203,843			223,612			198,373
Brokerage payables	58,950			52,696			57,672			60,846			55,041			54,774			51,517			51,749			50,394			57,245			56,093			56,696
Trading account liabilities	128,671			117,512			130,540			137,512			142,748			131,001			142,005			129,054			146,346			152,307			148,851			126,082
Short-term borrowings	116,389			101,894			64,731			68,879			96,694			92,752			87,013			78,790			78,622			72,889			65,818			54,441
Long-term debt	337,252			348,046			379,557			364,019			439,274			413,297			387,330			381,183			376,541			352,458			333,824			323,505
Other liabilities (1)	87,890			85,091			86,384			80,233			78,852			78,439			78,198			72,811			68,792			72,929			77,171			69,272
Liabilities related to discontinued operations held for sale				12,374			16,004												29,874						39
Total liabilities	$	1,676,651		$	1,694,365		$	1,745,650		$	1,701,673		$	1,848,434		$	1,780,326		$	1,818,097		$	1,748,113		$	1,774,422		$	1,777,981		$	1,756,650		$	1,694,305

Equity
Stockholders Equity
Preferred Stock	$	74,246		$	74,301		$	312		$	312		$	312		$	312		$	312		$	312		$	312		$	312		$	312		$	312
Common Stock	6			6			23			29			29			29			29			29			29			29			29			29
Additional paid-in capital	16,576			16,714			79,009			98,399			96,685			99,277			101,161			101,287			103,004			103,475			105,562			105,804
Retained earnings	86,115			88,874			85,208			77,440			73,432			76,130			78,260			79,559			82,554			85,857			89,602			90,520
Treasury stock	(5,996		)	(5,950		)	(6,059		)	(4,543		)	(1,178		)	(1,772		)	(1,540		)	(1,442		)	(878		)	(1,087		)	(1,089		)	(1,071		)
Accumulated other comprehensive income (loss)	(27,013		)	(21,643		)	(17,651		)	(18,937		)	(17,859		)	(19,170		)	(15,309		)	(16,277		)	(13,984		)	(12,222		)	(17,044		)	(17,788		)
Total Common Equity	$	69,688		$	78,001		$	140,530		$	152,388		$	151,109		$	154,494		$	162,601		$	163,156		$	170,725		$	176,052		$	177,060		$	177,494

Total Citigroup stockholders equity	$	143,934		$	152,302		$	140,842		$	152,700		$	151,421		$	154,806		$	162,913		$	163,468		$	171,037		$	176,364		$	177,372		$	177,806
Noncontrolling interests	1,993			1,866			2,107			2,273			2,358			2,524			2,270			2,321			2,356			2,281			1,970			1,767
Total equity	145,927			154,168			142,949			154,973			153,779			157,330			165,183			165,789			173,393			178,645			179,342			179,573
Total liabilities and equity	$	1,822,578		$	1,848,533		$	1,888,599		$	1,856,646		$	2,002,213		$	1,937,656		$	1,983,280		$	1,913,902		$	1,947,815		$	1,956,626		$	1,935,992		$	1,873,878

(1) Includes allowance for credit losses for letters of credit and unfunded lending commitments of $1,122 million for the first quarter of 2010, $1,054 million for the second quarter of 2010, $1,102 million for the third quarter of 2010, $1,066 million for the fourth quarter of 2010, $1,105 million for the first quarter of 2011, $1,097 million for the second quarter of 2011, $1,139 million for the third quarter of 2011 and $1,136 million for the fourth quarter of 2011, respectively.

Reclassified to conform to the current periods presentation.

CITIGROUP

SEGMENT DETAIL

NET REVENUE

(In millions of dollars)

Full

Year

2009

2010

2011

2009

2010

2011

CITICORP

Global Consumer Banking

North America	$	3,521		$	2,497		$	3,105	$	3,131		$	5,658	$	5,466	$	5,458		$	5,165	$	4,943		$	4,949	$	5,100		$	5,167		$	12,254		$	21,747	$	20,159
EMEA	384			417			439		399			421		384		357			397		421			410		379			348			1,639			1,559		1,558
Latin America	1,912			1,938			1,958		2,057			2,063		2,103		2,218			2,283		2,294			2,408		2,417			2,350			7,865			8,667		9,469
Asia	1,562			1,670			1,711		1,803			1,796		1,840		1,834			1,926		1,896			2,026		2,067			2,020			6,746			7,396		8,009
Total	7,379			6,522			7,213		7,390			9,938		9,793		9,867			9,771		9,554			9,793		9,963			9,885			28,504			39,369		39,195

Securities and Banking
North America	5,017			1,722			1,302		794			3,553		2,628		2,203			1,009		2,328			2,125		2,445			660			8,835			9,393		7,558
EMEA	4,224			2,560			2,204		1,068			2,517		1,763		1,735			834		2,061			1,642		2,299			1,219			10,056			6,849		7,221
Latin America	805			1,054			710		874			613		563		644			734		588			682		521			579			3,443			2,554		2,370
Asia	2,163			1,375			685		590			1,330		1,010		1,020			966		1,045			1,033		1,460			736			4,813			4,326		4,274
Total	12,209			6,711			4,901		3,326			8,013		5,964		5,602			3,543		6,022			5,482		6,725			3,194			27,147			23,122		21,423
Transaction Services
North America	589			656			644		637			640		635		621			589		610			609		620			605			2,526			2,485		2,444
EMEA	844			860			845		840			833		848		835			840		837			898		893			858			3,389			3,356		3,486
Latin America	350			347			344		362			352		367		393			418		417			439		444			413			1,403			1,530		1,713
Asia	601			629			636		647			623		665		698			728		698			731		759			748			2,513			2,714		2,936
Total	2,384			2,492			2,469		2,486			2,448		2,515		2,547			2,575		2,562			2,677		2,716			2,624			9,831			10,085		10,579

Total Citicorp	21,972			15,725			14,583		13,202			20,399		18,272		18,016			15,889		18,138			17,952		19,404			15,703			65,482			72,576		71,197

Corporate / Other	500			(741		)	671		(10,986		)	349		664		596			145		(61		)	263		300			383			(10,556		)	1,754		885

Total Citicorp & Corp / Other	22,472			14,984			15,254		2,216			20,748		18,936		18,612			16,034		18,077			18,215		19,704			16,086			54,926			74,330		72,082

CITI HOLDINGS
Brokerage and Asset Management	1,607			12,220			525		271			340		141		(8		)	136		137			47		55			43			14,623			609		282
Local Consumer Lending	4,976			3,141			3,248		2,631			2,793		2,422		1,820			1,775		1,519			1,345		1,299			1,279			13,996			8,810		5,442
Special Asset Pool	(4,534		)	(376		)	1,363		287			1,540		572		314			426		(7		)	1,015		(227		)	(234		)	(3,260		)	2,852		547
Total Citi Holdings	2,049			14,985			5,136		3,189			4,673		3,135		2,126			2,337		1,649			2,407		1,127			1,088			25,359			12,271		6,271

Total Citigroup - GAAP Net Revenues	$	24,521		29,969			20,390		5,405			$	25,421	22,071		20,738			18,371		$	19,726		20,622		20,831			17,174			80,285			86,601		78,353

Impact of Credit Card Securitization Activity (1) (2)	2,452			3,126			2,752		2,477																							10,807

Total Citigroup - Managed Net Revenues (1)	$	26,973		$	33,095		$	23,142	$	7,882		$	25,421	$	22,071	$	20,738		$	18,371	$	19,726		$	20,622	$	20,831		$	17,174		91,092			86,601		78,353

(1) Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. 2009 disclosures reflect the impact from credit card securitizations only. The information above reconciles managed disclosures to the most-relevant GAAP disclosures.

(2) Net impact of Credit Card Securitization Activity includes the removal of securitization-related items that are part of GAAP revenues such as the gain on sale of credit card loans, mark-to-market revenue for interests retained in securitized assets classified as Trading, and net credit losses on loans that are considered sold for GAAP purposes.

Credit Valuation Adjustment (CVA) on derivatives (excluding monolines), net of hedges; and debt valuation adjustments (DVA) on Citigroups fair value option debt (1)		2,660		(874	)	(1,883	)	(1,940	)	309		209		115		(1,102	)	(256	)	164		1,938		(40	)	(2,037	)	(496	)	1,806

Total Citigroup - Net Revenues - Excluding DVA/CVA

21,861

30,843

22,273

7,345

25,112

21,862

20,623

19,473

19,982

20,458

18,893

17,214

82,322

87,070

76,547

(1) Included, as applicable, in Citicorp-Securities and Banking and Citi Holdings-Brokerage and Asset Management & Special Asset Pool lines above.

Reclassified to conform to the current periods presentation.

CITIGROUP

SEGMENT DETAIL

INCOME

(In millions of dollars)

Full

Year

2009

2010

2011

2009

2010

2011

Income from Continuing Operations:

CITICORP

Global Consumer Banking

North America	$	156		$	(179	)	$	293		$	232		$	(113	)	$	88		$	497		$	502		$	937		$	1,111		$	1,103		$	944		$	502		$	974		$	4,095
EMEA	(27		)	(106		)	(19		)	(53		)	26			47			17			7			57			33			9			(4		)	(205		)	97			95
Latin America	188			97			55			98			361			465			530			432			473			396			339			370			438			1,788			1,578
Asia	235			267			424			451			559			555			492			504			453			479			562			410			1,377			2,110			1,904
Total	552			79			753			728			833			1,155			1,536			1,445			1,920			2,019			2,013			1,720			2,112			4,969			7,672

Securities and Banking
North America	2,486			(43		)	(1		)	(88		)	1,445			820			432			(202		)	464			347			674			(441		)	2,354			2,495			1,044
EMEA	2,162			736			543			(43		)	1,023			356			500			(68		)	764			341			735			160			3,398			1,811			2,000
Latin America	419			533			227			387			267			205			277			344			273			296			207			198			1,566			1,093			974
Asia	1,060			599			76			119			474			306			182			190			210			210			526			(51		)	1,854			1,152			895
Total	6,127			1,825			845			375			3,209			1,687			1,391			264			1,711			1,194			2,142			(134		)	9,172			6,551			4,913

Transaction Services
North America	126			173			144			136			151			148			116			75			106			129			112			68			579			490			415
EMEA	327			352			311			303			299			319			305			295			275			286			286			283			1,293			1,218			1,130
Latin America	162			152			151			149			156			157			174			176			172			160			168			139			614			663			639
Asia	284			297			338			332			319			296			318			318			283			289			316			277			1,251			1,251			1,165
Total	899			974			944			920			925			920			913			864			836			864			882			767			3,737			3,622			3,349

Total Citicorp	7,578			2,878			2,542			2,023			4,967			3,762			3,840			2,573			4,467			4,077			5,037			2,353			15,021			15,142			15,934

Corporate / Other	(532		)	65			203			(6,942		)	44			219			160			(181		)	(479		)	(134		)	(74		)	(41		)	(7,206		)	242			(728		)

Total Citicorp & Corp / Other	7,046			2,943			2,745			(4,919		)	5,011			3,981			4,000			2,392			3,988			3,943			4,963			2,312			7,815			15,384			15,206

CITI HOLDINGS
Brokerage and Asset Management	16			6,750			69			15			76			(94		)	(153		)	(55		)	(10		)	(100		)	(83		)	(93		)	6,850			(226		)	(286		)
Local Consumer Lending	(1,404		)	(4,048		)	(2,265		)	(2,589		)	(1,716		)	(1,275		)	(1,163		)	(1,211		)	(1,009		)	(1,189		)	(1,011		)	(1,204		)	(10,306		)	(5,365		)	(4,413		)
Special Asset Pool	(3,964		)	(1,258		)	44			(247		)	878			116			(83		)	247			62			678			(127		)	(17		)	(5,425		)	1,158			596
Total Citi Holdings	(5,352		)	1,444			(2,152		)	(2,821		)	(762		)	(1,253		)	(1,399		)	(1,019		)	(957		)	(611		)	(1,221		)	(1,314		)	(8,881		)	(4,433		)	(4,103		)

Income From Continuing Operations	1,694			4,387			593			(7,740		)	4,249			2,728			2,601			1,373			3,031			3,332			3,742			998			(1,066		)	10,951			11,103

Discontinued Operations	(117		)	(142		)	(418		)	232			211			(3		)	(374		)	98			40			71			1						(445		)	(68		)	112

Net Income Attributable to Noncontrolling Minority Interests	(16		)	(34		)	74			71			32			28			59			162			72			62			(28		)	42			95			281			148

Citigroups Net Income	$	1,593		$	4,279		$	101		$	(7,579	)	$	4,428		$	2,697		$	2,168		$	1,309		$	2,999		$	3,341		$	3,771		$	956		$	(1,606	)	$	10,602		$	11,067

Reclassified to conform to the current periods presentation.

CITICORP
STATEMENT OF INCOME AND BALANCE SHEET DATA
(In millions of dollars)

Full

Year

2009

2010

2011

2009

2010

2011

Revenues

Net interest revenue	$	8,991		$	9,180		$	9,266		$	8,917		$	11,558		$	11,389		$	11,069		$	11,257		$	11,059		$	11,163		$	11,363		$	11,153		$	36,354		$	45,273		$	44,738
Non-Interest revenue	12,981			6,545			5,317			4,285			8,841			6,883			6,947			4,632			7,079			6,789			8,041			4,550			29,128			27,303			26,459
Total revenues, net of interest expense	21,972			15,725			14,583			13,202			20,399			18,272			18,016			15,889			18,138			17,952			19,404			15,703			65,482			72,576			71,197

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	1,672			1,907			2,059			1,953			4,601			4,318			4,198			3,784			3,250			2,982			2,632			2,595			7,591			16,901			11,459
Credit Reserve Build / (Release)	1,290			1,107			523			(32		)	(362		)	(838		)	(959		)	(1,014		)	(1,811		)	(1,391		)	(932		)	(851		)	2,888			(3,173		)	(4,985		)
Provision for loan losses	2,962			3,014			2,582			1,921			4,239			3,480			3,239			2,770			1,439			1,591			1,700			1,744			10,479			13,728			6,474
Provision for Benefits & Claims	54			58			54			48			53			36			44			51			55			36			56			45			214			184			192
Provision for unfunded lending commitments	32			83						23			(7		)	(26		)	1						4			(5		)	45			48			138			(32		)	92
Total provisions for credit losses and for benefits and claims	3,048			3,155			2,636			1,992			4,285			3,490			3,284			2,821			1,498			1,622			1,801			1,837			10,831			13,880			6,758

Total operating expenses	8,135			8,741			9,118			9,392			9,208			9,766			9,516			10,023			10,236			10,669			10,427			10,844			35,386			38,513			42,176

Income from Continuing Operations before Income Taxes	10,789			3,829			2,829			1,818			6,906			5,016			5,216			3,045			6,404			5,661			7,176			3,022			19,265			20,183			22,263
Provision for income taxes	3,211			951			287			(205		)	1,939			1,254			1,376			472			1,937			1,584			2,139			669			4,244			5,041			6,329

Income from Continuing Operations	7,578			2,878			2,542			2,023			4,967			3,762			3,840			2,573			4,467			4,077			5,037			2,353			15,021			15,142			15,934
Net Income attributable to noncontrolling Minority Interests (Minority Interest)	(3		)	3			25			43			21			20			30			51			11			12			6			27			68			122			56
Citicorps Net Income	$	7,581		$	2,875		$	2,517		$	1,980		$	4,946		$	3,742		$	3,810		$	2,522		$	4,456		$	4,065		$	5,031		$	2,326		$	14,953		$	15,020		$	15,878

Balance Sheet Data (in billions):

Total EOP Assets	$	1,047		$	1,079		$	1,104		$	1,168		$	1,281		$	1,256		$	1,327		$	1,330		$	1,372		$	1,423		$	1,406		$	1,365		$	1,168		$	1,330		$	1,365
Average Assets	$	1,087		$	1,101		$	1,123		$	1,155		$	1,280		$	1,293		$	1,294		$	1,338		$	1,366		$	1,422		$	1,423		$	1,390		$	1,117		$	1,301		$	1,400
Return on Assets	2.83		%	1.05		%	0.89		%	0.68		%	1.57		%	1.16		%	1.17		%	0.75		%	1.32		%	1.15		%	1.40		%	0.66		%	1.34		%	1.16		%	1.13		%
Total EOP Deposits	$	667		$	708		$	734		$	739		$	735		$	724		$	762		$	763		$	787		$	791		$	779		$	799		$	739		$	763		$	799

Total GAAP Revenues	$	21,972		$	15,725		$	14,583		$	13,202		$	20,399		$	18,272		$	18,016		$	15,889		$	18,138		$	17,952		$	19,404		$	15,703		$	65,482		$	72,576		$	71,197
Net Impact of Credit Card Securitization Activity (1)	2,452			3,126			2,752			2,477																											10,807
Total Managed Revenues	$	24,424		$	18,851		$	17,335		$	15,679		$	20,399		$	18,272		$	18,016		$	15,889		$	18,138		$	17,952		$	19,404		$	15,703		$	76,289		$	72,576		$	71,197

GAAP Net Credit Losses	$	1,672		$	1,907		$	2,059		$	1,953		$	4,601		$	4,318		$	4,198		$	3,784		$	3,250		$	2,982		$	2,632		$	2,595		$	7,591		$	16,901		$	11,459
Impact of Credit Card Securitization Activity (1)	2,548			3,115			3,013			2,845																											11,521
Total Managed Net Credit Losses	$	4,220		$	5,022		$	5,072		$	4,798		$	4,601		$	4,318		$	4,198		$	3,784		$	3,250		$	2,982		$	2,632		$	2,595		$	19,112		$	16,901		$	11,459

(1)

Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. 2009 disclosures reflect the impact from credit card securitizations only. The information above reconciles managed disclosures to the most-relevant GAAP disclosures.

Reclassified to conform to the current periods presentation.

CITICORP

GLOBAL CONSUMER BANKING

Page 1

(In millions of dollars)

Full

Year

2009

2010

2011

2009

2010

2011

Net Interest Revenue	$	4,357		$	4,586		$	4,800		$	4,753		$	7,659		$	7,463		$	7,325		$	7,411		$	7,332		$	7,411		$	7,515		$	7,425		$	18,496		$	29,858		$	29,683
Non-Interest Revenue	3,022			1,936			2,413			2,637			2,279			2,330			2,542			2,360			2,222			2,382			2,448			2,460			10,008			9,511			9,512
Total Revenues, Net of Interest Expense	7,379			6,522			7,213			7,390			9,938			9,793			9,867			9,771			9,554			9,793			9,963			9,885			28,504			39,369			39,195
Total Operating Expenses	4,193			4,337			4,460			4,696			4,624			4,612			4,650			5,001			5,091			5,357			5,382			5,578			17,686			18,887			21,408
Net Credit Losses	1,595			1,737			1,760			1,739			4,498			4,275			3,908			3,647			3,040			2,832			2,545			2,423			6,831			16,328			10,840
Credit Reserve Build / (Release)	978			491			359			168			(185		)	(606		)	(932		)	(824		)	(1,417		)	(1,335		)	(964		)	(713		)	1,996			(2,547		)	(4,429		)
Provision for Unfunded Lending Commitments													1			(4		)										3												(3		)	3
Provision for Benefits & Claims	54			58			54			48			53			36			44			51			55			36			56			45			214			184			192
Provision for Loan Losses and for Benefits and Claims	2,627			2,286			2,173			1,955			4,367			3,701			3,020			2,874			1,678			1,536			1,637			1,755			9,041			13,962			6,606
Income from Continuing Operations before Taxes	559			(101		)	580			739			947			1,480			2,197			1,896			2,785			2,900			2,944			2,552			1,777			6,520			11,181
Income Taxes	7			(180		)	(173		)	11			114			325			661			451			865			881			931			832			(335		)	1,551			3,509
Income from Continuing Operations	552			79			753			728			833			1,155			1,536			1,445			1,920			2,019			2,013			1,720			2,112			4,969			7,672
Net Income (loss) Attributable to Minority Interests							2			(2		)	(5		)				(4		)				(2		)	3			1			(2		)				(9		)
Net Income	$	552		$	79		$	751		$	730		$	838		$	1,155		$	1,540		$	1,445		$	1,922		$	2,016		$	2,012		$	1,722		$	2,112		$	4,978		$	7,672
Average Assets (in billions of dollars)	$	257		$	265		$	275		$	282		$	353		$	346		$	351		$	360		$	367		$	377		$	380		$	380		$	270		$	353		$	376
Return on Assets	0.87		%	0.12		%	1.08		%	1.03		%	0.96		%	1.34		%	1.74		%	1.59		%	2.12		%	2.14		%	2.10		%	1.80		%	0.78		%	1.41		%	2.03		%

Net Credit Losses as a % of Average Loans	6.36		%	7.35		%	7.04		%	6.66		%	6.88		%	6.64		%	5.95		%	5.45		%	4.56		%	4.12		%	3.64		%	3.44		%

Revenue by Business
Retail Banking	$	3,546		$	3,799		$	3,772		$	3,763		$	3,826		$	3,921		$	4,014		$	4,113		$	3,934		$	4,143		$	4,173		$	4,148		$	14,880		$	15,874		$	16,398
Cards (1)	3,833			2,723			3,441			3,627			6,112			5,872			5,853			5,658			5,620			5,650			5,790			5,737			13,624			23,495			22,797
Total GAAP Revenues	7,379			6,522			7,213			7,390			9,938			9,793			9,867			9,771			9,554			9,793			9,963			9,885			28,504			39,369			39,195
Net Impact of Credit Card Securitization Activity (2)	2,452			3,126			2,752			2,477																											10,807
Total Managed Revenues	$	9,831		$	9,648		$	9,965		$	9,867		$	9,938		$	9,793		$	9,867		$	9,771		$	9,554		$	9,793		$	9,963		$	9,885		$	39,311		$	39,369		$	39,195

Net Credit Losses by Business
Retail Banking	$	339		$	427		$	388		$	404		$	294		$	306		$	336		$	345		$	281		$	302		$	298		$	309		$	1,558		$	1,281		$	1,190
Cards (1)	1,256			1,310			1,372			1,335			4,204			3,969			3,572			3,302			2,759			2,530			2,247			2,114			5,273			15,047			9,650
Total GAAP Net Credit Losses	1,595			1,737			1,760			1,739			4,498			4,275			3,908			3,647			3,040			2,832			2,545			2,423			6,831			16,328			10,840
Impact of Credit Card Securitization Activity (2)	2,548			3,115			3,013			2,845																											11,521
Total Managed Net Credit Losses	$	4,143		$	4,852		$	4,773		$	4,584		$	4,498		$	4,275		$	3,908		$	3,647		$	3,040		$	2,832		$	2,545		$	2,423		$	18,352		$	16,328		$	10,840

Income (loss) from Continuing Operations by Business
Retail Banking	$	583		$	575		$	637		$	538		$	784		$	818		$	748		$	702		$	679		$	631		$	628		$	585		$	2,333		$	3,052		$	2,523
Cards (1)	(31		)	(496		)	116			190			49			337			788			743			1,241			1,388			1,385			1,135			(221		)	1,917			5,149
Total	$	552		$	79		$	753		$	728		$	833		$	1,155		$	1,536		$	1,445		$	1,920		$	2,019		$	2,013		$	1,720		$	2,112		$	4,969		$	7,672

(1) Includes both Citi-Branded Cards and Citi Retail Services.

(2) Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. 2009 disclosures reflect the impact from credit card securitizations only. The information above reconciles managed disclosures to the most-relevant GAAP disclosures.

Reclassified to conform to the current periods presentation.

CITICORP

GLOBAL CONSUMER BANKING

Page 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011

Retail Banking Key Indicators (in billions of dollars, except branches)

Branches	4,215			4,091			4,180			4,170			4,167			4,166			4,173			4,206			4,205			4,212			4,192			4,204
Accounts (in millions)	60.2			60.8			60.8			60.6			60.4			60.5			60.9			60.7			61.0			61.8			62.4			62.3
Average Deposits	$	258.5		$	274.6		$	281.2		$	294.1		$	293.7		$	295.6		$	299.9		$	305.0		$	309.7		$	316.9		$	315.4		$	313.2
Investment Sales (International Only)	$	7.8		$	18.1		$	18.2		$	15.9		$	17.1		$	16.9		$	17.3		$	19.7		$	20.2		$	17.9		$	14.8		$	11.7
Investment AUMs	$	94.0		$	107.2		$	116.4		$	117.4		$	121.1		$	117.0		$	125.5		$	130.5		$	133.9		$	138.7		$	122.4		$	126.2
Average Loans	$	99.1		$	101.5		$	104.2		$	107.1		$	107.9		$	107.2		$	109.5		$	113.4		$	119.8		$	127.1		$	129.2		$	131.4
EOP Loans:
Real Estate Lending	$	51.0		$	52.3		$	54.4		$	53.7		$	56.0		$	54.7		$	56.5		$	59.3		$	63.9		$	66.9		$	67.1		$	70.8
Commercial Markets	27.9			27.2			29.6			28.8			30.4			30.5			32.2			33.4			35.4			37.1			36.3			36.4
Personal and Other	20.3			21.8			22.2			22.8			22.4			21.9			23.1			23.4			24.3			25.5			24.5			26.8
EOP Loans	$	99.2		$	101.3		$	106.2		$	105.3		$	108.8		$	107.1		$	111.8		$	116.1		$	123.6		$	129.5		$	127.9		$	134.0

Net Interest Revenue (in millions) (1)	$	2,323		$	2,501		$	2,587		$	2,566		$	2,565		$	2,557		$	2,506		$	2,605		$	2,655		$	2,705		$	2,724		$	2,687
As a % of Average Loans	9.51		%	9.88		%	9.85		%	9.51		%	9.64		%	9.57		%	9.08		%	9.11		%	8.99		%	8.54		%	8.36		%	8.11		%
Net Credit Losses (in millions)	$	339		$	427		$	388		$	404		$	294		$	306		$	336		$	345		$	281		$	302		$	298		$	309
As a % of Average Loans	1.39		%	1.69		%	1.48		%	1.50		%	1.11		%	1.14		%	1.22		%	1.21		%	0.95		%	0.95		%	0.92		%	0.93		%
Loans 90+ Days Past Due (in millions) (2)	$	868		$	915		$	835		$	798		$	818		$	815		$	843		$	761		$	801		$	812		$	761		$	737
As a % of EOP Loans	0.88		%	0.90		%	0.79		%	0.76		%	0.75		%	0.76		%	0.76		%	0.66		%	0.65		%	0.63		%	0.60		%	0.56		%
Loans 30-89 Days Past Due (in millions) (2)	$	1,272		$	1,186		$	1,120		$	1,100		$	1,311		$	1,201		$	1,277		$	1,148		$	1,143		$	1,088		$	977		$	1,040
As a % of EOP Loans	1.28		%	1.17		%	1.05		%	1.04		%	1.20		%	1.12		%	1.15		%	1.00		%	0.93		%	0.85		%	0.77		%	0.78		%

Cards Key Indicators (in millions of dollars)
EOP Open Accounts	160.5			157.5			153.6			150.9			142.6			140.4			140.1			139.7			137.6			137.3			137.1			137.6
Purchase Sales	$	82.3		$	89.5		$	90.6		$	93.9		$	76.7		$	83.5		$	84.2		$	91.8		$	80.8		$	90.4		$	89.8		$	95.2
Average Loans (in billions) (3)	$	165.1		$	163.3		$	164.9		$	165.8		$	157.3		$	151.2		$	151.2		$	151.9		$	150.3		$	148.4		$	148.5		$	148.4
EOP Loans (in billions) (3)	$	161.6		$	165.4		$	167.3		$	168.3		$	153.8		$	151.8		$	152.5		$	156.9		$	147.5		$	150.5		$	147.5		$	153.4
Average Yield (4)	15.51		%	16.05		%	15.87		%	15.52		%	15.76		%	15.31		%	14.84		%	14.50		%	14.49		%	14.28		%	14.18		%	14.00		%

Net Interest Revenue (5)	$	5,397		$	5,509		$	5,597		$	5,407		$	5,099		$	4,899		$	4,818		$	4,795		$	4,688		$	4,705		$	4,791		$	4,718
As a % of Average Loans (5)	13.26		%	13.53		%	13.47		%	12.94		%	13.15		%	13.00		%	12.64		%	12.52		%	12.65		%	12.72		%	12.80		%	12.61		%
Net Credit Losses	$	3,804		$	4,425		$	4,385		$	4,180		$	4,204		$	3,969		$	3,572		$	3,302		$	2,759		$	2,530		$	2,247		$	2,114
As a % of Average Loans (6)	9.34		%	10.87		%	10.55		%	10.00		%	10.84		%	10.53		%	9.37		%	8.62		%	7.44		%	6.84		%	6.00		%	5.65		%
Net Credit Margin (6)	$	2,552		$	1,384		$	2,044		$	2,274		$	1,892		$	1,888		$	2,270		$	2,341		$	2,844		$	3,106		$	3,525		$	3,610
As a % of Average Loans	6.27		%	3.40		%	4.92		%	5.44		%	4.88		%	5.01		%	5.96		%	6.11		%	7.67		%	8.39		%	9.42		%	9.65		%
Loans 90+ Days Past Due	$	5,795		$	5,835		$	5,550		$	5,732		$	5,039		$	4,477		$	4,040		$	3,692		$	3,285		$	2,893		$	2,622		$	2,637
As a % of EOP Loans	3.59		%	3.53		%	3.32		%	3.41		%	3.28		%	2.95		%	2.65		%	2.35		%	2.23		%	1.92		%	1.78		%	1.72		%
Loans 30-89 Days Past Due	$	6,184		$	5,814		$	6,050		$	5,709		$	4,940		$	4,392		$	4,160		$	3,866		$	3,502		$	3,205		$	3,072		$	3,032
As a % of EOP Loans	3.83		%	3.52		%	3.62		%	3.39		%	3.21		%	2.89		%	2.73		%	2.46		%	2.37		%	2.13		%	2.08		%	1.98		%

(1) Also includes net interest revenue related to the international regions deposit balances in excess of the average loan portfolio.

(2) The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies. See Note 1 on North America Regional Consumer Banking on page 10.

(3) Average loans, EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

(4) Average yield is gross interest revenue earned divided by average loans.

(5) Net interest revenue includes certain fees that are recorded as interest revenue.

(6) Net credit margin is total revenues, net of interest expense, less net credit losses and policy benefits and claims.

Reclassified to conform to the current periods presentation.

CITICORP

GLOBAL CONSUMER BANKING

NORTH AMERICA

Page 1

(In millions of dollars)


																																					Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011			2009			2010			2011

Net Interest Revenue	$	1,705		$	1,775		$	1,970		$	1,851		$	4,711		$	4,486		$	4,387		$	4,308		$	4,206		$	4,192		$	4,268		$	4,249		$	7,301		$	17,892		$	16,915
Non-Interest Revenue	1,816			722			1,135			1,280			947			980			1,071			857			737			757			832			918			4,953			3,855			3,244
Total Revenues, Net of Interest Expense	3,521			2,497			3,105			3,131			5,658			5,466			5,458			5,165			4,943			4,949			5,100			5,167			12,254			21,747			20,159
Total Operating Expenses	2,119			2,066			2,114			2,097			2,227			2,072			2,010			2,136			2,278			2,331			2,409			2,672			8,396			8,445			9,690
Net Credit Losses	677			638			605			665			3,616			3,480			3,148			2,888			2,372			2,136			1,854			1,739			2,585			13,132			8,101
Credit Reserve Build / (Release)	545			25			55			75			2			(208		)	(492		)	(621		)	(1,201		)	(1,240		)	(955		)	(785		)	700			(1,319		)	(4,181		)
Provision for Unfunded Lending Commitments																												(1		)	(1		)	1									(1		)
Provision for Benefits & Claims	25			31			25			19			17			14			12			14			17			14			18			13			100			57			62
Provision for Loan Losses and for Benefits and Claims	1,247			694			685			759			3,635			3,286			2,668			2,281			1,188			909			916			968			3,385			11,870			3,981
Income from Continuing Operations before Taxes	155			(263		)	306			275			(204		)	108			780			748			1,477			1,709			1,775			1,527			473			1,432			6,488
Income Taxes (benefits)	(1		)	(84		)	13			43			(91		)	20			283			246			540			598			672			583			(29		)	458			2,393
Income from Continuing Operations	156			(179		)	293			232			(113		)	88			497			502			937			1,111			1,103			944			502			974			4,095
Net Income Attributable to Minority Interests
Net Income	$	156		$	(179	)	$	293		$	232		$	(113	)	$	88		$	497		$	502		$	937		$	1,111		$	1,103		$	944		$	502		$	974		$	4,095
Average Assets (in billions of dollars)	$	100		$	100		$	103		$	101		$	168		$	159		$	160		$	163		$	162		$	161		$	167		$	170		$	101		$	163		$	165
Return on Assets	0.63		%	(0.72		)%	1.13		%	0.91		%	(0.27		)%	0.22		%	1.23		%	1.22		%	2.35		%	2.77		%	2.62		%	2.20		%	0.50		%	0.60		%	2.48		%

Net Credit Losses as a % of Average Loans (1)	7.68		%	8.98		%	8.55		%	8.31		%	9.30		%	9.29		%	8.44		%	7.79		%	6.56		%	5.90		%	4.99		%	4.60		%

Revenue by Business
Retail Banking	$	1,296		$	1,376		$	1,331		$	1,233		$	1,278		$	1,322		$	1,374		$	1,349		$	1,188		$	1,251		$	1,282		$	1,392		$	5,236		$	5,323		$	5,113
Citi-Branded Cards	1,264			864			743			700			2,576			2,428			2,426			2,265			2,204			2,173			2,192			2,161			3,571			9,695			8,730
Citi Retail Services	961			257			1,031			1,198			1,804			1,716			1,658			1,551			1,551			1,525			1,626			1,614			3,447			6,729			6,316
Total GAAP Revenues	3,521			2,497			3,105			3,131			5,658			5,466			5,458			5,165			4,943			4,949			5,100			5,167			12,254			21,747			20,159
Net Impact of Credit Card Securitization Activity (1)	2,452			3,126			2,752			2,477																											10,807
Total Managed Revenues	$	5,973		$	5,623		$	5,857		$	5,608		$	5,658		$	5,466		$	5,458		$	5,165		$	4,943		$	4,949		$	5,100		$	5,167		$	23,061		$	21,747		$	20,159

Net Credit Losses by Business
Retail Banking	$	56		$	87		$	79		$	88		$	75		$	80		$	90		$	96		$	88		$	79		$	65		$	70		$	310		$	341		$	302
Citi-Branded Cards	201			219			201			220			2,084			2,048			1,880			1,671			1,352			1,231			1,099			986			841			7,683			4,668
Citi Retail Services	420			332			325			357			1,457			1,352			1,178			1,121			932			826			690			683			1,434			5,108			3,131
Total GAAP Net Credit Losses	677			638			605			665			3,616			3,480			3,148			2,888			2,372			2,136			1,854			1,739			2,585			13,132			8,101
Impact of Credit Card Securitization Activity (1)	2,548			3,115			3,013			2,845																											11,521
Total Managed Net Credit Losses	$	3,225		$	3,753		$	3,618		$	3,510		$	3,616		$	3,480		$	3,148		$	2,888		$	2,372		$	2,136		$	1,854		$	1,739		$	14,106		$	13,132		$	8,101

Income (loss) from Continuing Operations by Business
Retail Banking	$	214		$	219		$	172		$	105		$	160		$	199		$	200		$	185		$	85		$	96		$	118		$	164		$	710		$	744		$	463
Citi-Branded Cards	155			(51		)	61			(55		)	(129		)	(131		)	(5		)	241			477			596			577			501			110			(24		)	2,151
Citi Retail Services	(213		)	(347		)	60			182			(144		)	20			302			76			375			419			408			279			(318		)	254			1,481
Total	$	156		$	(179	)	$	293		$	232		$	(113	)	$	88		$	497		$	502		$	937		$	1,111		$	1,103		$	944		$	502		$	974		$	4,095

(1)	Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. 2009 disclosures reflect the impact from credit card securitizations only. The information above reconciles managed disclosures to the most-relevant GAAP disclosures.

Reclassified to conform to the current periods presentation.

CITICORP
GLOBAL CONSUMER BANKING
NORTH AMERICA
Page 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011

Retail Banking Key Indicators (in billions of dollars, except branches)

Branches	1,000			1,001			1,002			1,003			1,003			1,002			1,000			1,001			1,000			1,002			1,005			1,016
Accounts (in millions)	13.4			13.5			13.6			13.6			13.6			13.4			13.3			13.1			13.0			12.9			12.9			12.7
Investment AUMs	$	30.3		$	31.8		$	34.1		$	33.4		$	32.6		$	28.8		$	29.8		$	30.4		$	29.9		$	30.8		$	28.3		$	29.4

Average Deposits	$	130.9		$	139.6		$	142.1		$	149.3		$	144.2		$	145.5		$	144.9		$	144.6		$	143.6		$	144.4		$	145.4		$	147.0

Average Loans	$	34.3		$	35.0		$	34.3		$	34.1		$	32.2		$	30.7		$	29.7		$	29.7		$	31.9		$	33.6		$	35.2		$	37.3

EOP Loans:
Real Estate Lending	$	26.9		$	26.2		$	26.6		$	24.8		$	24.3		$	23.1		$	22.3		$	23.4		$	25.8		$	27.2		$	29.0		$	31.4
Commercial Markets	5.7			5.8			6.2			5.9			5.8			5.7			5.8			6.0			6.0			6.2			6.3			6.4
Personal and Other	1.5			1.6			1.2			1.5			1.4			1.4			1.3			1.3			1.2			1.1			1.2			1.1
Total EOP Loans	$	34.1		$	33.6		$	34.0		$	32.2		$	31.5		$	30.2		$	29.4		$	30.7		$	33.0		$	34.5		$	36.5		$	38.9

Mortgage Originations	$	21.5		$	28.8		$	11.9		$	9.3		$	10.3		$	11.2		$	18.6		$	21.8		$	14.1		$	11.0		$	17.0		$	21.1

Third Party Mortgage Servicing Portfolio (EOP)	$	164.2		$	176.8		$	186.2		$	187.0		$	191.2		$	190.8		$	191.4		$	191.9		$	196.0		$	196.5		$	196.6		$	197.9

Net Servicing & Gain/(Loss) on Sale (in millions)	$	241.0		$	242.3		$	99.5		$	104.3		$	207.8		$	271.7		$	344.3		$	282.4		$	129.0		$	126.5		$	186.5		$	295.0

Net Interest Revenue on Loans (in mllions)	$	178		$	184		$	188		$	186		$	183		$	162		$	152		$	142		$	170		$	176		$	179		$	181
As a % of Avg. Loans	2.10		%	2.11		%	2.17		%	2.16		%	2.30		%	2.12		%	2.03		%	1.90		%	2.16		%	2.10		%	2.02		%	1.93		%

Net Credit Losses (in millions)	$	56		$	87		$	79		$	88		$	75		$	80		$	90		$	96		$	88		$	79		$	65		$	70
As a % of Avg. Loans	0.66		%	1.00		%	0.91		%	1.02		%	0.94		%	1.05		%	1.20		%	1.28		%	1.12		%	0.94		%	0.73		%	0.74		%

Loans 90+ Days Past Due (in millions) (1)	$	99		$	97		$	92		$	107		$	140		$	190		$	221		$	228		$	241		$	211		$	232		$	235
As a % of EOP Loans	0.29		%	0.29		%	0.27		%	0.33		%	0.44		%	0.63		%	0.77		%	0.76		%	0.75		%	0.63		%	0.66		%	0.63		%

Loans 30-89 Days Past Due (in millions) (1)	$	93		$	87		$	80		$	82		$	238		$	235		$	243		$	212		$	185		$	209		$	218		$	213
As a % of EOP Loans	0.27		%	0.26		%	0.24		%	0.25		%	0.76		%	0.78		%	0.85		%	0.71		%	0.58		%	0.62		%	0.62		%	0.57		%

(1) The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies.

The amounts excluded for Loans 90+Days Past Due and (EOP Loans) are $188 million and ($0.8 billion), $235 million and ($0.8 billion), $352 million ($0.9 billion), $400 million ($0.9 billion), $512 million ($1.3 billion) and $611 mlllion ($1.3 billion) as of September 30, 2010, December 31, 2010, March 31, 2011, June 30, 2011, September 30, 2011 and December 31, 2011, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) are $15 million and ($0.8 billion), $30 million and ($0.8 billion), $52 million ($0.9 billion), $77 million ($0.9 billion), $102 million ($1.3 billion) and $121 million ($1.3 billion) as of September 30, 2010, December 31, 2010, March 31, 2011, June 30, 2011, September 30, 2011 and December 31, 2011, respectively.

Reclassified to conform to the current periods presentation.

CITICORP

GLOBAL CONSUMER BANKING

NORTH AMERICA

Page 3

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011

Citi-Branded Cards Key Indicators (in millions of dollars) (1)
EOP Open Accounts	26.3			25.6			25.1			23.7			22.4			21.9			21.8			21.8			21.7			21.8			22.2			22.6
Purchase Sales (in billions)	$	41.0		$	43.3		$	43.3		$	42.8		$	37.1		$	40.3		$	39.9		$	41.4		$	37.2		$	40.8		$	40.5		$	42.1

Average Managed Loans (2)
Off-Balance Sheet	$	68.4		$	69.6		$	70.8		$	69.7		$			$			$			$			$			$			$			$
On Balance Sheet	15.9			13.5			13.1			14.6			80.5			77.4			77.3			76.5			75.1			73.6			74.0			74.4
Average Loans (in billions) (1)	$	84.3		$	83.1		$	83.9		$	84.3		$	80.5		$	77.4		$	77.3		$	76.5		$	75.1		$	73.6		$	74.0		$	74.4

EOP Managed Loans (2)
Off-Balance Sheet	$	69.2		$	71.7		$	71.8		$	72.6		$			$			$			$			$			$			$			$
On Balance Sheet	13.9			13.0			14.2			12.8			79.0			78.5			77.9			78.8			74.5			75.0			75.1			77.2
EOP Loans (in billions) (1)	$	83.1		$	84.7		$	86.0		$	85.4		$	79.0		$	78.5		$	77.9		$	78.8		$	74.5		$	75.0		$	75.1		$	77.2

Average Yield (2)	12.48		%	12.35		%	12.33		%	11.86		%	13.01		%	12.26		%	11.67		%	11.33		%	11.14		%	10.50		%	10.35		%	10.13		%
Net Interest Revenue (3)	$	2,252		$	2,132		$	2,099		$	1,993		$	2,139		$	1,977		$	1,966		$	1,954		$	1,830		$	1,754		$	1,760		$	1,731
As a % of Avg. Loans (3)	10.83		%	10.29		%	9.93		%	9.38		%	10.78		%	10.25		%	10.09		%	10.13		%	9.88		%	9.56		%	9.44		%	9.23		%
Net Credit Losses	$	1,692		$	2,056		$	2,077		$	1,947		$	2,084		$	2,048		$	1,880		$	1,671		$	1,352		$	1,231		$	1,099		$	986
As a % of Average Loans	8.14		%	9.92		%	9.82		%	9.16		%	10.50		%	10.61		%	9.65		%	8.67		%	7.30		%	6.71		%	5.89		%	5.26		%
Net Credit Margin (4)	$	1,050		$	632		$	528		$	473		$	485		$	374		$	540		$	589		$	846		$	938		$	1,086		$	1,170
As a % of Avg. Loans (4)	5.05		%	3.05		%	2.50		%	2.23		%	2.44		%	1.94		%	2.77		%	3.05		%	4.57		%	5.11		%	5.82		%	6.24		%
Loans 90+ Days Past Due	$	2,307		$	2,366		$	2,190		$	2,372		$	2,304		$	2,130		$	1,807		$	1,597		$	1,435		$	1,214		$	1,063		$	1,016
As a % of EOP Loans	2.78		%	2.79		%	2.55		%	2.78		%	2.92		%	2.71		%	2.32		%	2.03		%	1.93		%	1.62		%	1.42		%	1.32		%
Loans 30-89 Days Past Due	$	2,337		$	2,024		$	2,214		$	2,182		$	2,144		$	1,828		$	1,687		$	1,540		$	1,335		$	1,142		$	1,106		$	1,078
As a % of EOP Loans	2.81		%	2.39		%	2.57		%	2.56		%	2.71		%	2.33		%	2.17		%	1.95		%	1.79		%	1.52		%	1.47		%	1.40		%

Citi-Retail Services Key Indicators (in millions of dollars) (1)
EOP Open Accounts	103.5			101.9			99.0			97.7			90.9			89.3			88.5			87.8			85.5			84.8			83.6			83.6
Purchase Sales (in billions)	$	21.9		$	25.2		$	24.4		$	25.5		$	15.8		$	18.4		$	17.7		$	20.5		$	15.2		$	18.5		$	17.7		$	20.5

Average Managed Loans (2)
Off-Balance Sheet	$	36.2		$	38.5		$	37.5		$	36.2		$			$			$			$			$			$			$			$
On Balance Sheet	15.4			11.1			12.1			13.0			45.0			42.1			41.0			40.8			39.6			38.1			38.1			38.3
Average Loans (in billions) (1)	$	51.6		$	49.6		$	49.6		$	49.2		$	45.0		$	42.1		$	41.0		$	40.8		$	39.6		$	38.1		$	38.1		$	38.3

EOP Managed Loans (2)
Off-Balance Sheet	$	39.1		$	39.3		$	38.0		$	40.3		$			$			$			$			$			$			$			$
On Balance Sheet	10.6			10.4			11.5			9.9			42.9			41.7			40.8			42.2			37.4			38.3			37.9			39.9
EOP Loans (in billions) (1)	$	49.7		$	49.7		$	49.5		$	50.2		$	42.9		$	41.7		$	40.8		$	42.2		$	37.4		$	38.3		$	37.9		$	39.9

Average Yield (2)	18.15		%	20.59		%	20.37		%	20.13		%	18.57		%	18.66		%	18.37		%	17.84		%	18.17		%	18.23		%	18.38		%	18.02		%
Net Interest Revenue (3)	$	2,005		$	2,174		$	2,273		$	2,180		$	1,721		$	1,672		$	1,614		$	1,517		$	1,544		$	1,564		$	1,650		$	1,638
As a % of Avg. Loans (3)	15.76		%	17.58		%	18.18		%	17.58		%	15.51		%	15.93		%	15.62		%	14.75		%	15.81		%	16.47		%	17.18		%	16.97		%
Net Credit Losses	$	1,477		$	1,610		$	1,462		$	1,475		$	1,457		$	1,352		$	1,178		$	1,121		$	932		$	826		$	690		$	683
As a % of Average Loans	11.61		%	13.02		%	11.69		%	11.89		%	13.13		%	12.88		%	11.40		%	10.90		%	9.54		%	8.70		%	7.19		%	7.08		%
Net Credit Margin (4)	$	440		$	113		$	510		$	445		$	338		$	355		$	475		$	420		$	608		$	689		$	925		$	923
As a % of Avg. Loans (4)	3.46		%	0.91		%	4.08		%	3.59		%	3.05		%	3.38		%	4.60		%	4.08		%	6.23		%	7.25		%	9.63		%	9.56		%
Loans 90+ Days Past Due	$	2,550		$	2,313		$	2,334		$	2,435		$	1,883		$	1,549		$	1,450		$	1,351		$	1,110		$	913		$	902		$	951
As a % of EOP Loans	5.13		%	4.65		%	4.72		%	4.85		%	4.39		%	3.71		%	3.55		%	3.20		%	2.97		%	2.38		%	2.38		%	2.38		%
Loans 30-89 Days Past Due	$	2,641		$	2,570		$	2,709		$	2,479		$	1,844		$	1,665		$	1,617		$	1,458		$	1,277		$	1,171		$	1,205		$	1,175
As a % of EOP Loans	5.31		%	5.17		%	5.47		%	4.94		%	4.30		%	3.99		%	3.96		%	3.45		%	3.41		%	3.06		%	3.18		%	2.94		%

(1) Average loans, EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

(2) Average Yield is gross interest revenue earned divided by average loans.

(3) Net interest revenue includes certain fees that are recorded as interest revenue.

(4) Net credit margin represents total revenues, net of interest expense, less net credit losses and policy benefits and claims.

Reclassified to conform to the current periods presentation.

CITICORP

GLOBAL CONSUMER BANKING

EMEA - PAGE 1

(In millions of dollars)


																																					Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011			2009			2010			2011

Net Interest Revenue	$	241		$	259		$	279		$	256		$	247		$	228		$	222		$	239		$	242		$	248		$	233		$	224		$	1,035		$	936		$	947
Non-Interest Revenue	143			158			160			143			174			156			135			158			179			162			146			124			604			623			611
Total Revenues, Net of Interest Expense	384			417			439			399			421			384			357			397			421			410			379			348			1,639			1,559			1,558
Total Operating Expenses	270			305			294			316			295			280			316			334			318			355			344			326			1,185			1,225			1,343
Net Credit Losses	89			121			132			133			96			84			63			72			49			46			49			28			475			315			172
Credit Reserve Build / (Release)	72			154			69			15			(11		)	(46		)	(48		)	(13		)	(34		)	(55		)	(32		)	3			310			(118		)	(118		)
Provision for Unfunded Lending Commitments													1			(4		)										4			1			(1		)				(3		)	4
Provision for Benefits & Claims
Provision for Loan Losses and for Benefits and Claims	161			275			201			148			86			34			15			59			15			(5		)	18			30			785			194			58
Income (loss) from Continuing Operations before Taxes	(47		)	(163		)	(56		)	(65		)	40			70			26			4			88			60			17			(8		)	(331		)	140			157
Income Taxes (benefits)	(20		)	(57		)	(37		)	(12		)	14			23			9			(3		)	31			27			8			(4		)	(126		)	43			62
Income from Continuing Operations	(27		)	(106		)	(19		)	(53		)	26			47			17			7			57			33			9			(4		)	(205		)	97			95
Net Income Attributable to Minority Interests							2			(2		)							(1		)							2			1			(3		)				(1		)
Net Income	$	(27	)	$	(106	)	$	(21	)	$	(51	)	$	26		$	47		$	18		$	7		$	57		$	31		$	8		$	(1	)	$	(205	)	$	98		$	95
Average Assets (in billions of dollars)	$	11		$	11		$	11		$	11		$	10		$	10		$	10		$	10		$	10		$	10		$	10		$	10		$	11		$	10		$	10
Return on Assets	(1.00		)%	(3.87		)%	(0.76		)%	(1.84		)%	(1.05		)%	1.89		%	0.71		%	0.28		%	2.31		%	1.24		%	0.32		%	(0.04		)%	(1.86		)%	0.98		%	0.95		%

Net Credit Losses as a % of Average Loans	4.75		%	5.92		%	6.16		%	6.36		%	5.12		%	4.88		%	3.52		%	4.14		%	2.72		%	2.46		%	2.70		%	1.59		%

Revenue by Business
Retail Banking	$	229		$	257		$	261		$	226		$	238		$	213		$	194		$	233		$	242		$	234		$	215		$	199		$	973		$	878		$	890
Citi-Branded Cards	155			160			178			173			183			171			163			164			179			176			164			149			666			681			668
Total	$	384		$	417		$	439		$	399		$	421		$	384		$	357		$	397		$	421		$	410		$	379		$	348		$	1,639		$	1,559		$	1,558

Income (loss) from Continuing Operations by Business
Retail Banking	$	(34	)	$	(71	)	$	(18	)	$	(46	)	$	(9	)	$	2		$	(27	)	$	(25	)	$	13		$	(11	)	$	(21	)	$	(18	)	$	(169	)	$	(59	)	$	(37	)
Citi-Branded Cards	7			(35		)	(1		)	(7		)	35			45			44			32			44			44			30			14			(36		)	156			132
Total	$	(24	)	$	(106	)	$	(19	)	$	(53	)	$	26		$	47		$	17		$	7		$	57		$	33		$	9		$	(4	)	$	(205	)	$	97		$	95

Reclassified to conform to the current periods presentation.

CITICORP

GLOBAL CONSUMER BANKING

EMEA - PAGE 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011

Retail Banking Key Indicators (in billions of dollars, except branches)
Branches	407			402			395			347			315			309			305			303			302			301			299			296
Accounts (in millions)	4.1			4.1			4.1			4.1			4.0			4.0			4.1			4.0			3.9			4.0			4.0			4.0
Average Deposits	$	10.7		$	11.8		$	12.3		$	12.8		$	14.6		$	13.8		$	13.7		$	12.7		$	12.7		$	12.9		$	12.4		$	12.0
Investment Sales	$	0.4		$	0.5		$	0.5		$	0.6		$	0.7		$	0.7		$	0.6		$	0.9		$	1.0		$	1.0		$	1.0		$	0.8
Investment AUMs	$	4.0		$	4.5		$	4.3		$	4.4		$	4.6		$	4.2		$	4.7		$	4.9		$	5.3		$	5.5		$	4.8		$	4.7
Average Loans	$	5.1		$	5.4		$	5.5		$	5.3		$	4.7		$	4.2		$	4.3		$	4.1		$	4.4		$	4.5		$	4.4		$	4.3
EOP Loans:
Real Estate Lending	$	0.1		$	0.1		$	0.1		$	0.1		$	0.1		$	0.1		$	0.1		$	0.1		$	0.1		$	0.2		$	0.2		$	0.2
Commercial Markets	1.3			1.4			1.5			1.2			1.6			1.4			1.7			1.6			1.9			2.0			1.8			1.7
Personal and Other	3.8			3.9			3.9			3.7			2.9			2.5			2.6			2.5			2.5			2.5			2.3			2.3
Total EOP Loans	$	5.2		$	5.4		$	5.5		$	5.0		$	4.6		$	4.0		$	4.4		$	4.2		$	4.5		$	4.7		$	4.3		$	4.2

Net Interest Revenue (in millions) (1)	$	141		$	153		$	156		$	129		$	124		$	111		$	104		$	124		$	124		$	127		$	118		$	117
As a % of Average Loans (1)	11.21		%	11.36		%	11.25		%	9.66		%	10.70		%	10.60		%	9.60		%	12.00		%	11.43		%	11.32		%	10.64		%	10.79		%
Net Credit Losses (in millions)	$	60		$	74		$	77		$	79		$	46		$	45		$	32		$	43		$	23		$	23		$	29		$	12
As a % of Average Loans	4.77		%	5.50		%	5.55		%	5.91		%	3.97		%	4.30		%	2.95		%	4.16		%	2.12		%	2.05		%	2.61		%	1.11		%
Loans 90+ Days Past Due (in millions)	$	125		$	149		$	138		$	123		$	108		$	109		$	106		$	84		$	77		$	76		$	65		$	59
As a % of EOP Loans	2.40		%	2.76		%	2.51		%	2.46		%	2.35		%	2.73		%	2.41		%	2.00		%	1.71		%	1.62		%	1.51		%	1.40		%
Loans 30-89 Days Past Due (in millions)	$	228		$	253		$	243		$	223		$	203		$	158		$	156		$	136		$	143		$	132		$	107		$	94
As a % of EOP Loans	4.38		%	4.69		%	4.42		%	4.46		%	4.41		%	3.95		%	3.55		%	3.24		%	3.18		%	2.81		%	2.49		%	2.24		%

Citi-Branded Cards Key Indicators (in billions of dollars)
EOP Open Accounts (in millions)	2.7			2.7			2.7			2.7			2.6			2.4			2.5			2.5			2.5			2.5			2.6			2.6
Purchase Sales	$	1.8		$	1.9		$	2.2		$	2.5		$	2.1		$	2.2		$	2.3		$	2.5		$	2.3		$	2.7		$	2.6		$	2.7
Average Loans (2)	$	2.5		$	2.8		$	3.0		$	3.0		$	2.9		$	2.7		$	2.8		$	2.8		$	2.9		$	3.0		$	2.8		$	2.7
EOP Loans (2)	$	2.5		$	2.9		$	3.1		$	3.0		$	2.9		$	2.6		$	2.9		$	2.8		$	2.9		$	3.0		$	2.7		$	2.7
Average Yield (3)	23.34		%	20.93		%	20.95		%	20.65		%	20.52		%	19.83		%	19.94		%	20.54		%	20.61		%	19.86		%	20.14		%	19.81		%

Net Interest Revenue (in millions) (4)	$	100		$	106		$	123		$	127		$	123		$	117		$	118		$	115		$	118		$	121		$	115		$	107
As a % of Avg. Loans	16.22		%	15.18		%	16.27		%	16.80		%	17.20		%	17.38		%	16.72		%	16.29		%	16.50		%	16.18		%	16.29		%	15.72		%
Net Credit Losses (in millions)	$	29		$	47		$	55		$	54		$	50		$	39		$	31		$	29		$	26		$	23		$	20		$	16
As a % of Average Loans	4.70		%	6.73		%	7.27		%	7.14		%	6.99		%	5.79		%	4.39		%	4.11		%	3.64		%	3.08		%	2.83		%	2.35		%
Net Credit Margin (in millions) (5)	$	126		$	113		$	123		$	119		$	133		$	132		$	132		$	135		$	153		$	153		$	144		$	133
As a % of Avg. Loans	20.44		%	16.19		%	16.27		%	15.74		%	18.60		%	19.61		%	18.70		%	19.13		%	21.40		%	20.46		%	20.40		%	19.54		%
Loans 90+ Days Past Due (in millions)	$	59		$	100		$	91		$	85		$	78		$	72		$	69		$	58		$	60		$	54		$	47		$	44
As a % of EOP Loans	2.36		%	3.45		%	2.94		%	2.83		%	2.69		%	2.77		%	2.38		%	2.07		%	2.07		%	1.80		%	1.74		%	1.63		%
Loans 30-89 Days Past Due (in millions)	$	132		$	147		$	156		$	141		$	114		$	90		$	86		$	72		$	78		$	72		$	63		$	59
As a % of EOP Loans	5.28		%	5.07		%	5.03		%	4.70		%	3.93		%	3.46		%	2.97		%	2.57		%	2.69		%	2.40		%	2.33		%	2.19		%

(1) Also includes Net Interest Revenue related to the regions deposit balances in excess of the average loan portfolio.

(2) Average loans, EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

(3) Average Yield is gross interest revenue earned divided by average loans.

(4) Net Interest Revenue includes certain fees that are recorded as interest revenue.

(5) Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

Reclassified to conform to the current periods presentation.

CITICORP

GLOBAL CONSUMER BANKING

LATIN AMERICA - PAGE 1

(In millions of dollars)

Full

Year

2009

2010

2011

2009

2010

2011

Net Interest Revenue	$	1,263		$	1,356		$	1,354		$	1,379		$	1,446		$	1,457		$	1,487		$	1,563		$	1,560		$	1,622		$	1,654		$	1,620		$	5,352		$	5,953		$	6,456
Non-Interest Revenue	649			582			604			678			617			646			731			720			734			786			763			730			2,513			2,714			3,013
Total Revenues, Net of Interest Expense	1,912			1,938			1,958			2,057			2,063			2,103			2,218			2,283			2,294			2,408			2,417			2,350			7,865			8,667			9,469
Total Operating Expenses	993			1,107			1,147			1,271			1,174			1,287			1,283			1,395			1,366			1,495			1,487			1,408			4,518			5,139			5,756
Net Credit Losses	542			610			656			624			509			457			451			451			407			425			406			446			2,432			1,868			1,684
Credit Reserve Build / (Release)	166			156			141						(138		)	(240		)	(298		)	(147		)	(147		)	(21		)	63			38			463			(823		)	(67		)
Provision for Unfunded Lending Commitments
Provision for Benefits & Claims	29			27			29			29			36			22			32			37			38			22			38			32			114			127			130
Provision for Loan Losses and for Benefits and Claims	737			793			826			653			407			239			185			341			298			426			507			516			3,009			1,172			1,747
Income from Continuing Operations before Taxes	182			38			(15		)	133			482			577			750			547			630			487			423			426			338			2,356			1,966
Income Taxes	(6		)	(59		)	(70		)	35			121			112			220			115			157			91			84			56			(100		)	568			388
Income from Continuing Operations	188			97			55			98			361			465			530			432			473			396			339			370			438			1,788			1,578
Net Income (loss) Attributable to Minority Interests													(5		)				(3		)				(2		)	1						1						(8		)
Net Income	$	188		$	97		$	55		$	98		$	366		$	465		$	533		$	432		$	475		$	395		$	339		$	369		$	438		$	1,796		$	1,578
Average Assets (in billions of dollars)	$	60		$	66		$	65		$	69		$	70		$	72		$	73		$	74		$	77		$	83		$	80		$	78		$	65		$	72		$	80
Return on Assets	1.27		%	0.59		%	0.34		%	0.56		%	2.12		%	2.59		%	2.90		%	2.32		%	2.50		%	1.91		%	1.68		%	1.88		%	0.67		%	2.50		%	1.97		%

Net Credit Losses as a % of Average Loans	8.72		%	9.20		%	9.46		%	8.63		%	7.17		%	6.19		%	5.81		%	5.51		%	4.84		%	4.64		%	4.43		%	4.87		%

Revenue by Business
Retail Banking	$	1,014		$	1,100		$	1,101		$	1,168		$	1,183		$	1,222		$	1,285		$	1,326		$	1,333		$	1,398		$	1,394		$	1,343		$	4,383		$	5,016		$	5,468
Citi-Branded Cards	898			838			857			889			880			881			933			957			961			1,010			1,023			1,007			3,482			3,651			4,001
Total	$	1,912		$	1,938		$	1,958		$	2,057		$	2,063		$	2,103		$	2,218		$	2,283		$	2,294		$	2,408		$	2,417		$	2,350		$	7,865		$	8,667		$	9,469

Income (loss) from Continuing Operations by Business
Retail Banking	$	198		$	168		$	129		$	147		$	226		$	247		$	247		$	207		$	295		$	236		$	169		$	202		$	642		$	927		$	902
Citi-Branded Cards	(10		)	(71		)	(74		)	(49		)	135			218			283			225			178			160			170			168			(204		)	861			676
Total	$	188		$	97		$	55		$	98		$	361		$	465		$	530		$	432		$	473		$	396		$	339		$	370		$	438		$	1,788		$	1,578

Reclassified to conform to the current periods presentation.

CITICORP

REGIONAL CONSUMER BANKING

LATIN AMERICA - PAGE 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011
Retail Banking Key Indicators (in billions of dollars, except branches)

Branches	2,104			2,105			2,090			2,122			2,145			2,151			2,161			2,191			2,196			2,210			2,215			2,221
Accounts (in millions)	26.1			26.6			26.8			27.0			26.7			27.0			27.2			27.4			27.8			28.4			28.8			29.2
Average Deposits	$	33.8		$	35.7		$	35.5		$	37.4		$	39.2		$	39.4		$	40.3		$	42.1		$	45.3		$	47.8		$	45.5		$	44.4
Investment Sales	$	4.0		$	11.4		$	10.3		$	7.1		$	7.5		$	6.6		$	6.6		$	6.0		$	7.9		$	6.3		$	5.3		$	4.9
Investment AUMs	$	26.7		$	32.8		$	35.1		$	34.8		$	38.0		$	39.2		$	43.2		$	45.0		$	47.4		$	50.5		$	44.3		$	46.9
Average Loans	$	14.0		$	14.8		$	15.5		$	16.5		$	17.1		$	17.6		$	18.5		$	19.5		$	20.7		$	22.7		$	22.6		$	22.7
EOP Loans:
Real Estate Lending	$	2.5		$	2.8		$	2.8		$	3.2		$	3.6		$	3.7		$	3.9		$	4.2		$	4.7		$	4.8		$	4.3		$	4.4
Commercial Markets	7.7			8.0			9.1			8.7			9.1			9.0			9.6			10.0			10.6			11.4			10.7			10.9
Personal and Other	3.9			4.3			4.4			4.7			5.1			5.3			5.6			5.6			6.3			7.0			6.6			8.3
Total EOP Loans	$	14.1		$	15.1		$	16.3		$	16.6		$	17.8		$	18.0		$	19.1		$	19.8		$	21.6		$	23.2		$	21.6		$	23.6

Net Interest Revenue (in millions) (1)	$	627		$	688		$	684		$	718		$	779		$	780		$	800		$	839		$	862		$	874		$	906		$	890
As a % of Avg. Loans (1)	18.16		%	18.65		%	17.51		%	17.26		%	18.48		%	17.78		%	17.16		%	17.07		%	16.89		%	15.44		%	15.90		%	15.55		%
Net Credit Losses (in millions)	$	113		$	138		$	113		$	148		$	91		$	96		$	129		$	123		$	103		$	117		$	113		$	142
As a % of Average Loans	3.27		%	3.74		%	2.89		%	3.56		%	2.16		%	2.19		%	2.77		%	2.50		%	2.02		%	2.07		%	1.98		%	2.48		%
Loans 90+ Days Past Due (in millions)	$	285		$	314		$	271		$	309		$	324		$	308		$	290		$	224		$	249		$	259		$	240		$	221
As a % of EOP Loans	2.02		%	2.08		%	1.66		%	1.86		%	1.82		%	1.71		%	1.52		%	1.13		%	1.15		%	1.12		%	1.11		%	0.94		%
Loans 30-89 Days Past Due (in millions)	$	311		$	338		$	335		$	336		$	394		$	335		$	402		$	267		$	324		$	301		$	267		$	289
As a % of EOP Loans	2.21		%	2.24		%	2.06		%	2.02		%	2.21		%	1.86		%	2.10		%	1.35		%	1.50		%	1.30		%	1.24		%	1.22		%

Citi-Branded Cards Key Indicators (in millions of dollars)
EOP Open Accounts (in millions)	12.1			11.8			11.7			11.7			11.9			11.9			12.3			12.3			12.5			12.6			12.9			12.9
Purchase Sales (in billions)	$	5.9		$	6.4		$	7.1		$	8.1		$	7.3		$	7.7		$	8.4		$	9.6		$	9.1		$	10.0		$	10.3		$	10.8
Average Loans (in billions) (2)	$	11.2		$	11.8		$	12.0		$	12.2		$	11.7		$	12.0		$	12.3		$	13.0		$	13.4		$	14.0		$	13.8		$	13.6
EOP Loans (in billions) (2)	$	11.1		$	11.9		$	12.0		$	12.3		$	11.9		$	12.0		$	12.6		$	13.4		$	13.5		$	14.2		$	12.9		$	13.7
Average Yield (3)	26.85		%	25.41		%	24.50		%	24.30		%	25.40		%	23.82		%	23.24		%	22.62		%	22.19		%	22.83		%	22.92		%	23.52		%

Net Interest Revenue (4)	$	636		$	668		$	670		$	661		$	667		677			$	687		$	724		$	698		748			$	748		$	730
As a % of Avg. Loans	23.03		%	22.71		%	22.15		%	21.50		%	23.12		%	22.63		%	22.16		%	22.10		%	21.13		%	21.43		%	21.50		%	21.30		%
Net Credit Losses	$	429		$	472		$	543		$	476		$	418		361			$	322		328			$	304		308			$	293		304
As a % of Average Loans	15.53		%	16.04		%	17.95		%	15.48		%	14.49		%	12.07		%	10.39		%	10.01		%	9.20		%	8.82		%	8.42		%	8.87		%
Net Credit Margin (5)	$	469		$	366		$	314		$	413		$	462		$	520		$	611		$	629		$	657		$	702		$	730		$	703
As a % of Avg. Loans	16.98		%	12.44		%	10.38		%	13.43		%	16.01		%	17.38		%	19.71		%	19.20		%	19.88		%	20.11		%	20.99		%	20.51		%
Loans 90+ Days Past Due	$	561		$	706		$	619		$	564		$	509		$	481		$	472		$	446		$	445		$	462		$	396		$	412
As a % of EOP Loans	5.05		%	5.93		%	5.16		%	4.59		%	4.28		%	4.01		%	3.75		%	3.33		%	3.30		%	3.25		%	3.07		%	3.01		%
Loans 30-89 Days Past Due	$	689		$	693		$	604		$	554		$	478		$	488		$	442		$	456		$	454		$	469		$	398		$	399
As a % of EOP Loans	6.21		%	5.82		%	5.03		%	4.50		%	4.02		%	4.07		%	3.51		%	3.40		%	3.36		%	3.30		%	3.09		%	2.91		%

(1) Also includes Net Interest Revenue related to the regions deposit balances in excess of the average loan portfolio.

(2) Average loans, EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

(3) Average Yield is gross interest revenue earned divided by average loans.

(4) Net Interest Revenue includes certain fees that are recorded as interest revenue.

(5) Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

Reclassified to conform to the current periods presentation.

CITICORP
GLOBAL CONSUMER BANKING
ASIA - PAGE 1
(In millions of dollars)

Full

Year

2009

2010

2011

2009

2010

2011

Net Interest Revenue	$	1,148		$	1,196		$	1,197		$	1,267		$	1,255		$	1,292		$	1,229		$	1,301		$	1,324		$	1,349		$	1,360		$	1,332		$	4,808		$	5,077		$	5,365
Non-Interest Revenue	414			474			514			536			541			548			605			625			572			677			707			688			1,938			2,319			2,644
Total Revenues, Net of Interest Expense	1,562			1,670			1,711			1,803			1,796			1,840			1,834			1,926			1,896			2,026			2,067			2,020			6,746			7,396			8,009
Total Operating Expenses	811			859			905			1,012			928			973			1,041			1,136			1,129			1,176			1,142			1,172			3,587			4,078			4,619
Net Credit Losses	287			368			367			317			277			254			246			236			212			225			236			210			1,339			1,013			883
Credit Reserve Build / (Release)	195			156			94			78			(38		)	(112		)	(94		)	(43		)	(35		)	(19		)	(40		)	31			523			(287		)	(63		)
Provision for Unfunded Lending Commitments
Provision for Benefits & Claims
Provision for Loan Losses and for Benefits and Claims	482			524			461			395			239			142			152			193			177			206			196			241			1,862			726			820
Income from Continuing Operations before Taxes	269			287			345			396			629			725			641			597			590			644			729			607			1,297			2,592			2,570
Income Taxes	34			20			(79		)	(55		)	70			170			149			93			137			165			167			197			(80		)	482			666
Income from Continuing Operations	235			267			424			451			559			555			492			504			453			479			562			410			1,377			2,110			1,904
Net Income Attributable to Minority Interests
Net Income	$	235		$	267		$	424		$	451		$	559		$	555		$	492		$	504		$	453		$	479		$	562		$	410		$	1,377		$	2,110		$	1,904
Average Assets (in billions of dollars)	$	86		$	88		$	96		$	101		$	105		$	105		$	108		$	113		$	118		$	123		$	123		$	122		$	93		$	108		$	122
Return on Assets	1.11		%	1.22		%	1.75		%	1.77		%	2.16		%	2.12		%	1.81		%	1.77		%	1.56		%	1.56		%	1.81		%	1.33		%	1.48		%	1.96		%	1.56		%

Net Credit Losses as a % of Average Loans	1.90		%	2.37		%	2.23		%	1.84		%	1.58		%	1.42		%	1.30		%	1.19		%	1.05		%	1.05		%	1.08		%	0.96		%

Revenue by Business
Retail Banking	$	1,007		$	1,066		$	1,079		$	1,136		$	1,127		$	1,164		$	1,161		$	1,205		$	1,171		$	1,260		$	1,282		$	1,214		$	4,288		$	4,657		$	4,927
Citi-Branded Cards	555			604			632			667			669			676			673			721			725			766			785			806			2,458			2,739			3,082
Total	$	1,562		$	1,670		$	1,711		$	1,803		$	1,796		$	1,840		$	1,834		$	1,926		$	1,896		$	2,026		$	2,067		$	2,020		$	6,746		$	7,396		$	8,009

Income from Continuing Operations by Business
Retail Banking	$	205		$	259		$	354		$	332		$	407		$	370		$	328		$	335		$	286		$	310		$	362		$	237		$	1,150		$	1,440		$	1,195
Citi-Branded Cards	30			8			70			119			152			185			164			169			167			169			200			173			227			670			709
Total	$	235		$	267		$	424		$	451		$	559		$	555		$	492		$	504		$	453		$	479		$	562		$	410		$	1,377		$	2,110		$	1,904

Reclassified to conform to the current periods presentation.

CITICORP

GLOBAL CONSUMER BANKING

ASIA - PAGE 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011

Retail Banking Key Indicators (in billions of dollars, except branches)

Branches	704			694			693			698			704			704			707			711			707			699			673			671
Accounts (in millions)	16.6			16.6			16.3			15.9			16.1			16.1			16.3			16.2			16.3			16.5			16.7			16.4
Average Deposits	$	83.1		$	87.5		$	91.3		$	94.6		$	95.7		$	97.0		$	101.0		$	105.6		$	108.1		$	111.8		$	112.1		$	109.8
Investment Sales	$	3.4		$	6.2		$	7.4		$	8.2		$	8.9		$	9.6		$	10.1		$	12.8		$	11.3		$	10.6		$	8.5		$	6.0
Investment AUMs	$	33.0		$	38.1		$	42.9		$	44.8		$	45.9		$	44.8		$	47.8		$	50.2		$	51.3		$	51.9		$	45.0		$	45.2
Average Loans	$	45.7		$	46.3		$	48.9		$	51.2		$	53.9		$	54.7		$	57.0		$	60.1		$	62.8		$	66.3		$	67.0		$	67.1
EOP Loans:
Real Estate Lending	$	21.5		$	23.2		$	24.9		$	25.6		$	28.0		$	27.8		$	30.2		$	31.6		$	33.3		$	34.7		$	33.6		$	34.8
Commercial Markets	13.2			12.0			12.8			13.0			13.9			14.4			15.1			15.8			16.9			17.5			17.5			17.4
Personal and Other	11.1			12.0			12.7			12.9			13.0			12.7			13.6			14.0			14.3			14.9			14.4			15.1
Total EOP Loans	$	45.8		$	47.2		$	50.4		$	51.5		$	54.9		$	54.9		$	58.9		$	61.4		$	64.5		$	67.1		$	65.5		$	67.3

Net Interest Revenue (in millions) (1)	$	744		$	767		$	765		$	821		$	806		$	836		$	796		$	816		$	826		$	831		$	842		$	820
As a % of Avg. Loans (1)	6.60		%	6.64		%	6.21		%	6.36		%	6.06		%	6.13		%	5.54		%	5.39		%	5.33		%	5.03		%	4.99		%	4.85		%
Net Credit Losses (in millions)	$	110		$	128		$	119		$	89		$	82		$	85		$	85		$	83		$	67		$	83		$	91		$	85
As a % of Average Loans	0.98		%	1.11		%	0.97		%	0.69		%	0.62		%	0.62		%	0.59		%	0.55		%	0.43		%	0.50		%	0.54		%	0.50		%
Loans 90+ Days Past Due (in millions)	$	359		$	355		$	334		$	259		$	246		$	208		$	226		$	225		$	234		$	266		$	224		$	222
As a % of EOP Loans	0.78		%	0.75		%	0.66		%	0.50		%	0.45		%	0.38		%	0.38		%	0.37		%	0.36		%	0.40		%	0.34		%	0.33		%
Loans 30-89 Days Past Due (in millions)	$	640		$	508		$	462		$	459		$	476		$	473		$	476		$	533		$	491		$	446		$	385		$	444
As a % of EOP Loans	1.40		%	1.08		%	0.92		%	0.89		%	0.87		%	0.86		%	0.81		%	0.87		%	0.76		%	0.66		%	0.59		%	0.66		%

Citi-Branded Cards Key Indicators (in millions of dollars)
EOP Open Accounts (in millions)	15.9			15.5			15.1			15.1			14.8			14.9			15.0			15.3			15.4			15.6			15.8			15.9
Purchase Sales (in billions)	$	11.7		$	12.7		$	13.6		$	15.0		$	14.4		$	14.9		$	15.9		$	17.8		$	17.0		$	18.4		$	18.7		$	19.1
Average Loans (in billions) (2)	$	15.5		$	16.0		$	16.4		$	17.1		$	17.2		$	17.0		$	17.8		$	18.8		$	19.3		$	19.7		$	19.8		$	19.4
EOP Loans (in billions) (2)	$	15.2		$	16.2		$	16.7		$	17.4		$	17.1		$	17.0		$	18.3		$	19.7		$	19.2		$	20.0		$	18.9		$	19.9
Average Yield (3)	13.64		%	13.47		%	13.12		%	13.11		%	13.98		%	14.18		%	13.85		%	13.66		%	13.76		%	13.82		%	13.50		%	13.41		%

Net Interest Revenue (4)	$	404		$	429		$	432		$	446		$	449		456			$	433		$	485		$	498		518			$	518		$	512
As a % of Avg. Loans	10.57		%	10.75		%	10.45		%	10.35		%	10.59		%	10.76		%	9.65		%	10.24		%	10.46		%	10.55		%	10.38		%	10.47		%
Net Credit Losses	$	177		$	240		$	248		$	228		$	195		$	169		$	161		$	153		$	145		$	142		$	145		$	125
As a % of Average Loans	4.63		%	6.02		%	6.00		%	5.29		%	4.60		%	3.99		%	3.59		%	3.23		%	3.05		%	2.89		%	2.91		%	2.56		%
Net Credit Margin (5)	$	378		$	364		$	384		$	439		$	474		$	507		$	512		$	568		$	580		$	624		$	640		$	681
As a % of Avg. Loans	9.89		%	9.13		%	9.29		%	10.19		%	11.18		%	11.96		%	11.41		%	11.99		%	12.19		%	12.70		%	12.82		%	13.93		%
Loans 90+ Days Past Due	$	318		$	350		$	316		$	276		$	265		$	245		$	242		$	240		$	235		$	250		$	214		$	214
As a % of EOP Loans	2.09		%	2.16		%	1.89		%	1.59		%	1.55		%	1.44		%	1.32		%	1.22		%	1.22		%	1.25		%	1.13		%	1.08		%
Loans 30-89 Days Past Due	$	385		$	380		$	367		$	353		$	360		$	321		$	328		$	340		$	358		$	351		$	300		$	321
As a % of EOP Loans	2.53		%	2.35		%	2.20		%	2.03		%	2.11		%	1.89		%	1.79		%	1.73		%	1.86		%	1.76		%	1.59		%	1.61		%

(1) Also includes Net Interest Revenue related to the regions deposit balances in excess of the average loan portfolio.

(2) Average loans, EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

(3) Average Yield is gross interest revenue earned divided by average loans.

(4) Net Interest Revenue includes certain fees that are recorded as interest revenue.

(5) Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

Reclassified to conform to the current periods presentation.

CITICORP

INSTITUTIONAL CLIENTS GROUP

(In millions of dollars)


																																					Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011			2009			2010			2011

Commissions and Fees	$	960		$	1,020		$	1,123		$	1,094		$	1,108		$	1,086		$	1,016		$	1,057		$	1,133		$	1,133		$	1,159		$	1,024		4,197			$	4,267		$	4,449
Administration and Other Fiduciary Fees	709			713			704			729			723			617			674			739			746			732			649			648			2,855			2,753			2,775
Investment Banking	941			1,240			1,066			1,440			953			592			829			1,146			793			1,001			590			645			4,687			3,520			3,029
Principal Transactions	6,985			851			(440		)	(1,772		)	3,306			1,778			1,539			(1,057		)	2,260			1,288			1,665			(340		)	5,624			5,566			4,873
Other	364			785			451			157			472			480			347			387			(75		)	253			1,530			113			1,757			1,686			1,821
Total Non-Interest Revenue	9,959			4,609			2,904			1,648			6,562			4,553			4,405			2,272			4,857			4,407			5,593			2,090			19,120			17,792			16,947
Net Interest Revenue (including Dividends)	4,634			4,594			4,466			4,164			3,899			3,926			3,744			3,846			3,727			3,752			3,848			3,728			17,858			15,415			15,055
Total Revenues, Net of Interest Expense	14,593			9,203			7,370			5,812			10,461			8,479			8,149			6,118			8,584			8,159			9,441			5,818			36,978			33,207			32,002
Total Operating Expenses	3,942			4,404			4,658			4,696			4,584			5,154			4,866			5,022			5,145			5,312			5,045			5,266			17,700			19,626			20,768

Net Credit Losses	77			170			299			214			103			43			290			137			210			150			87			172			760			573			619
Provision for Unfunded Lending Commitments	32			83						23			(8		)	(22		)	1						4			(8		)	45			48			138			(29		)	89
Credit Reserve Build / (Release)	312			616			164			(200		)	(177		)	(232		)	(27		)	(190		)	(394		)	(56		)	32			(138		)	892			(626		)	(556		)
Provision for Benefits & Claims
Provision for Credit Losses and for Benefits and Claims	421			869			463			37			(82		)	(211		)	264			(53		)	(180		)	86			164			82			1,790			(82		)	152
Income from Continuing Operations before Taxes	10,230			3,930			2,249			1,079			5,959			3,536			3,019			1,149			3,619			2,761			4,232			470			17,488			13,663			11,082
Income Taxes (Benefits)	3,204			1,131			460			(216		)	1,825			929			715			21			1,072			703			1,208			(163		)	4,579			3,490			2,820
Income from Continuing Operations	7,026			2,799			1,789			1,295			4,134			2,607			2,304			1,128			2,547			2,058			3,024			633			12,909			10,173			8,262
Net Income Attributable to Minority Interests	(3		)	3			23			45			26			20			34			51			13			9			5			29			68			131			56
Net Income	$	7,029		$	2,796		$	1,766		$	1,250		$	4,108		$	2,587		$	2,270		$	1,077		$	2,534		$	2,049		$	3,019		$	604		$	12,841		$	10,042		$	8,206

Average Assets (in billions of dollars)	$	830		$	836		$	848		$	873		$	927		$	947		$	943		$	978		$	999		$	1,045		$	1,043		$	1,010		$	847		$	949		$	1,024
Return on Assets	3.43		%	1.34		%	0.83		%	0.57		%	1.80		%	1.10		%	0.96		%	0.44		%	1.03		%	0.79		%	1.15		%	0.24		%	1.52		%	1.06		%	0.80		%

Revenue by Region
North America	$	5,606		$	2,378		$	1,946		$	1,431		$	4,193		$	3,263		$	2,824		$	1,598		$	2,938		$	2,734		$	3,065		$	1,265		$	11,361		$	11,878		$	10,002
EMEA	5,068			3,420			3,049			1,908			3,350			2,611			2,570			1,674			2,898			2,540			3,192			2,077			13,445			10,205			10,707
Latin America	1,155			1,401			1,054			1,236			965			930			1,037			1,152			1,005			1,121			965			992			4,846			4,084			4,083
Asia	2,764			2,004			1,321			1,237			1,953			1,675			1,718			1,694			1,743			1,764			2,219			1,484			7,326			7,040			7,210
Total	$	14,593		$	9,203		$	7,370		$	5,812		$	10,461		$	8,479		$	8,149		$	6,118		$	8,584		$	8,159		$	9,441		$	5,818		$	36,978		$	33,207		$	32,002

Income from Continuing Operations by Region
North America	$	2,612		$	130		$	143		$	48		$	1,596		$	968		$	548		$	(127	)	$	570		$	476		$	786		$	(373	)	$	2,933		$	2,985		$	1,459
EMEA	2,489			1,088			854			260			1,322			675			805			227			1,039			627			1,021			443			4,691			3,029			3,130
Latin America	581			685			378			536			423			362			451			520			445			456			375			337			2,180			1,756			1,613
Asia	1,344			896			414			451			793			602			500			508			493			499			842			226			3,105			2,403			2,060
Total	$	7,026		$	2,799		$	1,789		$	1,295		$	4,134		$	2,607		$	2,304		$	1,128		$	2,547		$	2,058		$	3,024		$	633		$	12,909		$	10,173		$	8,262

Average Loans by Region (in billions)
North America	$	57		$	55		$	49		$	46		$	68		68			66			66			$	66		$	68		70			74			$	52		$	67		$	70
EMEA	48			48			43			41			37			37			38			40			42			48			48			50			45			38			47
Latin America	21			21			22			22			23			22			23			24			25			29			30			32			22			23			29
Asia	30			28			27			28			30			35			38			42			45			49			54			58			28			36			52
Total	$	156		$	152		$	141		$	137		$	158		$	162		$	165		$	172		$	178		$	194		$	202		$	214		$	147		$	164		$	197

Reclassified to conform to the current periods presentation.

CITICORP

INSTITUTIONAL CLIENTS GROUP

SECURITIES AND BANKING

(In millions of dollars)

Full

Year

2009

2010

2011

2009

2010

2011

Net Interest Revenue	$	3,221		$	3,132		$	3,065		$	2,761		$	2,504		$	2,517		$	2,302		$	2,405		$	2,289		$	2,272		$	2,348		$	2,214		$	12,179		$	9,728		$	9,123
Non-Interest Revenue	8,988			3,579			1,836			565			5,509			3,447			3,300			1,138			3,733			3,210			4,377			980			14,968			13,394			12,300
Total Revenues, Net of Interest Expense	12,209			6,711			4,901			3,326			8,013			5,964			5,602			3,543			6,022			5,482			6,725			3,194			27,147			23,122			21,423
Total Operating Expenses	2,849			3,305			3,513			3,475			3,397			3,952			3,605			3,674			3,802			3,897			3,578			3,736			13,142			14,628			15,013
Net Credit Losses	75			173			302			208			102			42			289			134			203			151			70			178			758			567			602
Provision for Unfunded Lending Commitments	32			83						23			(8		)	(22		)	1						4			(8		)	54			36			138			(29		)	86
Credit Reserve Build / (Release)	313			608			169			(203		)	(158		)	(199		)	(11		)	(194		)	(394		)	(83		)	50			(145		)	887			(562		)	(572		)
Provision for Benefits & Claims
Provision for Loan Losses and for Benefits and Claims	420			864			471			28			(64		)	(179		)	279			(60		)	(187		)	60			174			69			1,783			(24		)	116
Income (Loss) from Continuing Operations before Taxes	8,940			2,542			917			(177		)	4,680			2,191			1,718			(71		)	2,407			1,525			2,973			(611		)	12,222			8,518			6,294
Income Taxes (Benefits)	2,813			717			72			(552		)	1,471			504			327			(335		)	696			331			831			(477		)	3,050			1,967			1,381
Income (Loss) from Continuing Operations	6,127			1,825			845			375			3,209			1,687			1,391			264			1,711			1,194			2,142			(134		)	9,172			6,551			4,913
Net Income Attributable to Minority Interests	1						18			36			21			15			29			45			9			4						24			55			110			37
Net Income (Loss)	$	6,126		$	1,825		$	827		$	339		$	3,188		$	1,672		$	1,362		$	219		$	1,702		$	1,190		$	2,142		$	(158	)	$	9,117		$	6,441		$	4,876

Average Assets (in billions of dollars)	748			749			759			780			828			847			834			857			875			914			910			877			759			842			894
Return on Assets	3.32		%	0.98		%	0.43		%	0.17		%	1.56		%	0.79		%	0.65		%	0.10		%	0.79		%	0.52		%	0.93		%	(0.07		)%	1.20		%	0.77		%	0.54		%

Revenue Details:
Investment Banking:
Advisory	$	227		$	130		$	186		$	211		$	198		$	88		$	237		$	197		$	143		$	198		$	184		$	159		$	754		$	720		$	684
Equity Underwriting	143			279			258			705			224			157			152			404			204			272			106			90			1,385			937			672
Debt Underwriting	613			752			720			543			635			429			541			566			504			615			446			389			2,628			2,171			1,954
Total Investment Banking	983			1,161			1,164			1,459			1,057			674			930			1,167			851			1,085			736			638			4,767			3,828			3,310
Lending	(354		)	(1,093		)	(784		)	(208		)	252			532			(8		)	195			255			357			1,032			165			(2,439		)	971			1,809
Equity Markets	1,605			1,101			446			31			1,213			652			1,040			596			1,070			812			635			240			3,183			3,501			2,757
Fixed Income Markets	10,022			5,566			4,024			1,680			5,379			3,715			3,501			1,481			3,794			3,033			3,802			1,633			21,292			14,076			12,262
Private Bank	504			481			522			561			494			512			497			501			515			555			557			519			2,068			2,004			2,146
Other Securities and Banking	(551		)	(505		)	(471		)	(197		)	(382		)	(121		)	(358		)	(397		)	(463		)	(360		)	(37		)	(1		)	(1,724		)	(1,258		)	(861		)
Total Securities and Banking Revenues	$	12,209		$	6,711		$	4,901		$	3,326		$	8,013		$	5,964		$	5,602		$	3,543		$	6,022		$	5,482		$	6,725		$	3,194		$	27,147		$	23,122		$	21,423

DVA/CVA {included as applicable in lines above} (1)	2,646			(937		)	(1,758		)	(1,908		)	285			255			99			(1,038		)	(229		)	147			1,888			(74		)	(1,957		)	(399		)	1,732
Total Revenues Excluding DVA/CVA	$	9,563		$	7,648		$	6,659		$	5,234		$	7,728		$	5,709		$	5,503		$	4,581		$	6,251		$	5,335		$	4,837		$	3,268		$	29,104		$	23,521		$	19,691

(1) See page 4.

Reclassified to conform to the current periods presentation.

CITICORP

INSTITUTIONAL CLIENTS GROUP

TRANSACTION SERVICES

(In millions of dollars)


																																					Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011			2009			2010			2011

Net Interest Revenue	$	1,413		$	1,462		$	1,401		$	1,403		$	1,395		$	1,409		$	1,442		$	1,441		$	1,438		$	1,480		$	1,500		$	1,514		$	5,679		$	5,687		$	5,932
Non-Interest Revenue	971			1,030			1,068			1,083			1,053			1,106			1,105			1,134			1,124			1,197			1,216			1,110			4,152			4,398			4,647
Total Revenues, Net of Interest Expense	2,384			2,492			2,469			2,486			2,448			2,515			2,547			2,575			2,562			2,677			2,716			2,624			9,831			10,085			10,579
Total Operating Expenses	1,093			1,099			1,145			1,221			1,187			1,202			1,261			1,348			1,343			1,415			1,467			1,530			4,558			4,998			5,755
Net Credit Losses	2			(3		)	(3		)	6			1			1			1			3			7			(1		)	17			(6		)	2			6			17
Provision for Unfunded Lending Commitments																															(9		)	12									3
Credit Reserve Build / (Release)	(1		)	8			(5		)	3			(19		)	(33		)	(16		)	4						27			(18		)	7			5			(64		)	16
Provision for Benefits & Claims
Provision for Credit Losses and for Benefits and Claims	1			5			(8		)	9			(18		)	(32		)	(15		)	7			7			26			(10		)	13			7			(58		)	36
Income from Continuing Operations before Taxes	1,290			1,388			1,332			1,256			1,279			1,345			1,301			1,220			1,212			1,236			1,259			1,081			5,266			5,145			4,788
Income Taxes	391			414			388			336			354			425			388			356			376			372			377			314			1,529			1,523			1,439
Income from Continuing Operations	899			974			944			920			925			920			913			864			836			864			882			767			3,737			3,622			3,349
Net Income Attributable to Minority Interests	(4		)	3			5			9			5			5			5			6			4			5			5			5			13			21			19
Net Income	$	903		$	971		$	939		$	911		$	920		$	915		$	908		$	858		$	832		$	859		$	877		$	762		$	3,724		$	3,601		$	3,330
Average Assets (in billions of dollars)	$	82		$	87		$	89		$	93		$	99		$	100		$	109		$	121		$	124		$	131		$	133		$	133		$	88		$	107		$	130
Return on Assets	4.47		%	4.48		%	4.19		%	3.89		%	3.77		%	3.67		%	3.30		%	2.81		%	2.72		%	2.63		%	2.62		%	2.27		%	4.23		%	3.37		%	2.55		%

Revenue Details
Treasury and Trade Solutions	$	1,760		$	1,802		$	1,806		$	1,775		$	1,792		$	1,818		$	1,858		$	1,845		$	1,844		$	1,936		$	1,952		$	1,965		7,143			$	7,313		$	7,697
Securities and Fund Services	624			690			663			711			656			697			689			730			718			741			764			659			2,688			2,772			2,882
Total	$	2,384		$	2,492		$	2,469		$	2,486		$	2,448		$	2,515		$	2,547		$	2,575		$	2,562		$	2,677		$	2,716		$	2,624		$	9,831		$	10,085		$	10,579

Average Deposits and Other Customer
Liability Balances (in billions)
North America	$	77		73			81			85			$	72		74			81			79			$	80		85			91			94
EMEA	97			100			104			110			106			106			111			116			118			119			115			118
Latin America	17			18			20			24			27			25			27			29			32			34			34			36
Asia	88			97			109			116			115			115			122			130			126			128			125			121
Total	$	279		$	288		$	314		$	335		$	320		$	320		$	341		$	354		$	356		$	366		$	365		$	369		$	304		$	334		$	364

EOP Assets Under Custody (in trillions of dollars)	$	10.5		$	11.4		$	12.1		$	12.1		$	11.8		$	11.3		$	12.4		$	12.6		$	13.0		$	13.5		$	12.5		$	12.5

Reclassified to conform to the current periods presentation.

CITICORP

North America

(In millions of dollars)


																																					Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011			2009			2010			2011

Net Interest Revenue	$	3,604		$	3,573		$	3,602		$	3,474		$	6,242		$	6,014		$	5,614		$	5,564		$	5,438		$	5,314		$	5,461		$	5,353		$	14,253		$	23,434		$	21,566
Non-Interest Revenue	5,523			1,302			1,449			1,088			3,609			2,715			2,668			1,199			2,443			2,369			2,704			1,079			9,362			10,191			8,595
Total Revenues, Net of Interest Expense	9,127			4,875			5,051			4,562			9,851			8,729			8,282			6,763			7,881			7,683			8,165			6,432			23,615			33,625			30,161
Total Operating Expenses	3,710			4,072			3,936			3,989			4,049			4,163			3,919			4,137			4,363			4,434			4,321			4,672			15,707			16,268			17,790
Net Credit Losses	908			684			688			688			3,689			3,497			3,418			2,963			2,527			2,253			1,894			1,816			2,968			13,567			8,490
Credit Reserve Build / (Release)	582			114			133			6			(27		)	(271		)	(317		)	(751		)	(1,275		)	(1,230		)	(871		)	(827		)	835			(1,366		)	(4,203		)
Provision Unfunded Lending Commitments	32			83						5			(1		)	(20		)	(5		)	1			9						58			36			120			(25		)	103
Provision for Benefits & Claims	25			31			25			19			17			14			12			14			17			14			18			13			100			57			62
Provision for Credit Losses and for Benefits and Claims	1,547			912			846			718			3,678			3,220			3,108			2,227			1,278			1,037			1,099			1,038			4,023			12,233			4,452
Income from Continuing Operations before Taxes	3,870			(109		)	269			(145		)	2,124			1,346			1,255			399			2,240			2,212			2,745			722			3,885			5,124			7,919
Income Taxes	1,102			(60		)	(167		)	(425		)	641			290			210			24			733			625			856			151			450			1,165			2,365
Income from Continuing Operations	2,768			(49		)	436			280			1,483			1,056			1,045			375			1,507			1,587			1,889			571			3,435			3,959			5,554
Net Income (loss) Attributable to Minority Interests	(5		)	(6		)	16			24			5			1			14			33			(8		)	(7		)	(17		)	3			29			53			(29		)
Net Income	$	2,773		$	(43	)	$	420		$	256		$	1,478		$	1,055		$	1,031		$	342		$	1,515		$	1,594		$	1,906		$	568		$	3,406		$	3,906		$	5,583
Average Assets (in billions of dollars)	$	481		$	459		$	491		$	477		$	591		$	596		$	562		$	570		$	588		$	592		$	586		$	584		$	477		$	579		$	588
Return on Assets	2.34		%	(0.04		)%	0.34		%	0.21		%	1.01		%	0.71		%	0.73		%	0.24		%	1.04		%	1.08		%	1.29		%	0.39		%	0.71		%	0.68		%	0.95		%

Revenue by Business
Retail Banking	$	1,296		$	1,376		$	1,331		$	1,233		$	1,278		$	1,322		$	1,374		$	1,349		$	1,188		$	1,251		$	1,282		$	1,392		$	5,236		$	5,323		$	5,113
Citi-Branded Cards	1,264			864			743			700			2,576			2,428			2,426			2,265			2,204			2,173			2,192			2,161			3,571			9,695			8,730
Citi Retail Services	961			257			1,031			1,198			1,804			1,716			1,658			1,551			1,551			1,525			1,626			1,614			3,447			6,729			6,316
Regional Consumer Banking	3,521			2,497			3,105			3,131			5,658			5,466			5,458			5,165			4,943			4,949			5,100			5,167			12,254			21,747			20,159
Securities and Banking	5,017			1,722			1,302			794			3,553			2,628			2,203			1,009			2,328			2,125			2,445			660			8,835			9,393			7,558
Transaction Services	589			656			644			637			640			635			621			589			610			609			620			605			2,526			2,485			2,444
Total GAAP Revenues	9,127			4,875			5,051			4,562			9,851			8,729			8,282			6,763			7,881			7,683			8,165			6,432			23,615			33,625			30,161
Net Impact of Credit Card Securitization Activity (1)	2,452			3,126			2,752			2,477																											10,807
Total Managed Revenues	$	11,579		$	8,001		$	7,803		$	7,039		$	9,851		$	8,729		$	8,282		$	6,763		$	7,881		$	7,683		$	8,165		$	6,432		$	34,422		$	33,625		$	30,161

GAAP Net Credit Losses	$	908		$	684		$	688		$	688		$	3,689		$	3,497		$	3,418		$	2,963		$	2,527		$	2,253		$	1,894		$	1,816		$	2,968		$	13,567		$	8,490
Impact of Credit Card Securitization Activity (1)	2,548			3,115			3,013			2,845																											11,521
Total Managed Net Credit Losses	$	3,456		$	3,799		$	3,701		$	3,533		$	3,689		$	3,497		$	3,418		$	2,963		$	2,527		$	2,253		$	1,894		$	1,816		$	14,489		$	13,567		$	8,490

Income (loss) from Continuing Operations by Business
Retail Banking	$	214		$	219		$	172		$	105		$	160		$	199		$	200		$	185		$	85		$	96		$	118		$	164		$	710		$	744		$	463
Citi-Branded Cards	155			(51		)	61			(55		)	(129		)	(131		)	(5		)	241			477			596			577			501			110			(24		)	2,151
Citi Retail Services	(213		)	(347		)	60			182			(144		)	20			302			76			375			419			408			279			(318		)	254			1,481
Regional Consumer Banking	156			(179		)	293			232			(113		)	88			497			502			937			1,111			1,103			944			502			974			4,095
Securities and Banking	2,486			(43		)	(1		)	(88		)	1,445			820			432			(202		)	464			347			674			(441		)	2,354			2,495			1,044
Transaction Services	126			173			144			136			151			148			116			75			106			129			112			68			579			490			415
Total	$	2,768		$	(49	)	$	436		$	280		$	1,483		$	1,056		$	1,045		$	375		$	1,507		$	1,587		$	1,889		$	571		$	3,435		$	3,959		$	5,554

Reclassified to conform to the current periods presentation.

CITICORP
EMEA
(In millions of dollars)

Full

Year

2009

2010

2011

2009

2010

2011

Net Interest Revenue	$	1,514		$	1,446		$	1,448		$	1,339		$	1,174		$	1,203		$	1,217		$	1,220		$	1,183		$	1,087		$	1,180		$	1,174		$	5,747		$	4,814		$	4,624
Non-Interest Revenue	3,938			2,391			2,040			968			2,597			1,792			1,710			851			2,136			1,863			2,391			1,251			9,337			6,950			7,641
Total Revenues, Net of Interest Expense	5,452			3,837			3,488			2,307			3,771			2,995			2,927			2,071			3,319			2,950			3,571			2,425			15,084			11,764			12,265
Total Operating Expenses	1,525			1,608			1,886			1,784			1,804			2,070			1,832			1,860			1,909			2,029			1,990			2,033			6,803			7,566			7,961
Net Credit Losses	150			251			346			328			117			94			82			124			92			72			86			112			1,075			417			362
Credit Reserve Build / (Release)	107			655			87			(50		)	(174		)	(165		)	(150		)	(45		)	(274		)	(105		)	(30		)	(164		)	799			(534		)	(573		)
Provision Unfunded Lending Commitments										19			(6		)	(5		)	6			(1		)	(5		)	(5		)	(4		)	12			19			(6		)	(2		)
Provision for Benefits & Claims
Provision for Credit Losses and for Benefits and Claims	257			906			433			297			(63		)	(76		)	(62		)	78			(187		)	(38		)	52			(40		)	1,893			(123		)	(213		)
Income from Continuing Operations before Taxes	3,670			1,323			1,169			226			2,030			1,001			1,157			133			1,597			959			1,529			432			6,388			4,321			4,517
Income Taxes	1,208			341			334			24			682			279			332			(101		)	501			299			499			(7		)	1,902			1,195			1,292
Income from Continuing Operations	2,462			982			835			207			1,348			722			822			234			1,096			660			1,030			439			4,486			3,126			3,225
Net Income Attributable to Minority Interests	1			8			8			20			20			17			17			17			21			17			22			22			37			71			82
Net Income	$	2,461		$	974		$	827		$	187		$	1,328		$	705		$	805		$	217		$	1,075		$	643		$	1,008		$	417		$	4,449		$	3,055		$	3,143
Average Assets (in billions of dollars)	$	227		$	241		$	223		$	242		$	241		$	240		$	258		$	269		$	263		$	297		$	311		$	300		$	233		$	252		$	293
Return on Assets	4.40		%	1.62		%	1.47		%	0.31		%	2.23		%	1.18		%	1.24		%	0.32		%	1.66		%	0.87		%	1.29		%	0.55		%	1.91		%	1.22		%	1.07		%

Revenue by Business
Retail Banking	$	229		$	257		$	261		$	226		$	238		$	213		$	194		$	233		$	242		$	234		$	215		$	199		$	973		$	878		$	890
Citi-Branded Cards	155			160			178			173			183			171			163			164			179			176			164			149			666			681			668
Regional Consumer Banking	384			417			439			399			421			384			357			397			421			410			379			348			$	1,639		$	1,559		$	1,558
Securities and Banking	4,224			2,560			2,204			1,068			2,517			1,763			1,735			834			2,061			1,642			2,299			1,219			10,056			6,849			7,221
Transaction Services	844			860			845			840			833			848			835			840			837			898			893			858			3,389			3,356			3,486
Total	$	5,452		$	3,837		$	3,488		$	2,307		$	3,771		$	2,995		$	2,927		$	2,071		$	3,319		$	2,950		$	3,571		$	2,425		$	15,084		$	11,764		$	12,265

Income (loss) from Continuing Operations by Business
Retail Banking	$	(34	)	$	(71	)	$	(18	)	$	(46	)	$	(9	)	$	2		$	(27	)	$	(25	)	$	13		$	(11	)	$	(21	)	$	(18	)	$	(169	)	$	(59	)	$	(37	)
Citi-Branded Cards	7			(35		)	(1		)	(7		)	35			45			44			32			44			44			30			14			(36		)	156			132
Regional Consumer Banking	(27		)	(106		)	(19		)	(53		)	26			47			17			7			57			33			9			(4		)	$	(205	)	$	97		$	95
Securities and Banking	2,162			736			543			(43		)	1,023			356			500			(68		)	764			341			735			160			3,398			1,811			2,000
Transaction Services	327			352			311			303			299			319			305			295			275			286			286			283			1,293			1,218			1,130
Total	$	2,462		$	982		$	835		$	207		$	1,348		$	722		$	822		$	234		$	1,096		$	660		$	1,030		$	439		$	4,486		$	3,126		$	3,225

Reclassified to conform to the current periods presentation.

CITICORP
LATIN AMERICA
(In millions of dollars)

Full

Year

2009

2010

2011

2009

2010

2011

Net Interest Revenue	$	1,871		$	2,069		$	2,133		$	2,118		$	2,189		$	2,176		$	2,248		$	2,395		$	2,357		$	2,478		$	2,412		$	2,360		$	8,191		$	9,008		$	9,607
Non-Interest Revenue	1,196			1,270			879			1,175			839			857			1,007			1,040			942			1,051			970			982			4,520			3,743			3,945
Total Revenues, Net of Interest Expense	3,067			3,339			3,012			3,293			3,028			3,033			3,255			3,435			3,299			3,529			3,382			3,342			12,711			12,751			13,552
Total Operating Expenses	1,306			1,441			1,492			1,675			1,530			1,673			1,694			1,825			1,800			1,934			1,934			1,879			5,914			6,722			7,547
Net Credit Losses	468			611			651			631			511			471			452			462			411			423			413			458			2,361			1,896			1,705
Credit Reserve Build / (Release)	273			196			210			(20		)	(153		)	(256		)	(353		)	(156		)	(239		)	(13		)	31			58			659			(918		)	(163		)
Provision Unfunded Lending Commitments										(2		)																			(9		)				(2		)				(9		)
Provision for Benefits & Claims	29			27			29			29			36			22			32			37			38			22			38			32			114			127			130
Provision for Credit Losses and for Benefits and Claims	770			834			890			638			394			237			131			343			210			432			473			548			3,132			1,105			1,663
Income from Continuing Operations before Taxes	991			1,064			630			980			1,104			1,123			1,430			1,267			1,289			1,163			975			915			3,665			4,924			4,342
Income Taxes	222			282			197			346			320			296			449			315			371			311			261			208			1,047			1,380			1,151
Income from Continuing Operations	769			782			433			634			784			827			981			952			918			852			714			707			2,618			3,544			3,191
Net Income (loss) Attributable to Minority Interests										(1		)	(5		)	1			(2		)				(3		)	1						1			(1		)	(6		)	(1		)
Net Income	$	769		$	782		$	433		$	635		$	789		$	826		$	983		$	952		$	921		$	851		$	714		$	706		$	2,619		$	3,550		$	3,192
Average Assets (in billions of dollars)	$	127		$	140		$	141		$	144		$	146		$	149		$	151		$	160		$	171		$	177		$	169		$	162		$	138		152			$	170
Return on Assets	2.46		%	2.24		%	1.22		%	1.75		%	2.19		%	2.22		%	2.58		%	2.36		%	2.18		%	1.93		%	1.68		%	1.73		%	1.90		%	2.34		%	1.87		%

Revenue by Business
Retail Banking	$	1,014		$	1,100		$	1,101		$	1,168		$	1,183		$	1,222		$	1,285		$	1,326		$	1,333		$	1,398		$	1,394		$	1,343		$	4,383		$	5,016		$	5,468
Citi-Branded Cards	898			838			857			889			880			881			933			957			961			1,010			1,023			1,007			3,482			3,651			4,001
Regional Consumer Banking	1,912			1,938			1,958			2,057			2,063			2,103			2,218			2,283			2,294			2,408			2,417			2,350			$	7,865		$	8,667		$	9,469
Securities and Banking	805			1,054			710			874			613			563			644			734			588			682			521			579			3,443			2,554			2,370
Transaction Services	350			347			344			362			352			367			393			418			417			439			444			413			1,403			1,530			1,713
Total	$	3,067		$	3,339		$	3,012		$	3,293		$	3,028		$	3,033		$	3,255		$	3,435		$	3,299		$	3,529		$	3,382		$	3,342		$	12,711		$	12,751		$	13,552

Income from Continuing Operations by Business
Retail Banking	$	198		$	168		$	129		$	147		$	226		$	247		$	247		$	207		$	295		$	236		$	169		$	202		$	642		$	927		$	902
Citi-Branded Cards	(10		)	(71		)	(74		)	(49		)	135			218			283			225			178			160			170			168			(204		)	861			676
Regional Consumer Banking	188			97			55			98			361			465			530			432			473			396			339			370			$	438		$	1,788		$	1,578
Securities and Banking	419			533			227			387			267			205			277			344			273			296			207			198			1,566			1,093			974
Transaction Services	162			152			151			149			156			157			174			176			172			160			168			139			614			663			639
Total	$	769		$	782		$	433		$	634		$	784		$	827		$	981		$	952		$	918		$	852		$	714		$	707		$	2,618		$	3,544		$	3,191

Reclassified to conform to the current periods presentation.

CITICORP

ASIA

(In millions of dollars)


																																					Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011			2009			2010			2011

Net Interest Revenue	$	2,002		$	2,092		$	2,083		$	1,986		$	1,953		$	1,996		$	1,990		$	2,078		$	2,081		$	2,284		$	2,310		$	2,266		$	8,163		$	8,017		$	8,941
Non-Interest Revenue	2,324			1,582			949			1,054			1,796			1,519			1,562			1,542			1,558			1,506			1,976			1,238			5,909			6,419			6,278
Total Revenues, Net of Interest Expense	4,326			3,674			3,032			3,040			3,749			3,515			3,552			3,620			3,639			3,790			4,286			3,504			14,072			14,436			15,219
Total Operating Expenses	1,594			1,620			1,804			1,944			1,825			1,860			2,071			2,201			2,164			2,272			2,182			2,260			6,962			7,957			8,878
Net Credit Losses	146			361			374			306			284			256			246			235			220			234			239			209			1,187			1,021			902
Credit Reserve Build / (Release)	328			142			93			32			(8		)	(146		)	(139		)	(62		)	(23		)	(43		)	(62		)	82			595			(355		)	(46		)
Provision for Unfunded Lending Commitments										1						(1		)																			1			(1		)
Provision for Benefits & Claims
Provision for Credit Losses and for Benefits and Claims	474			503			467			339			276			109			107			173			197			191			177			291			1,783			665			856
Income from Continuing Operations before Taxes	2,258			1,551			761			757			1,648			1,546			1,374			1,246			1,278			1,327			1,927			953			5,327			5,814			5,485
Income Taxes	679			388			(77		)	(145		)	296			389			382			234			332			349			523			317			845			1,301			1,521
Income from Continuing Operations	1,579			1,163			838			902			1,352			1,157			992			1,012			946			978			1,404			636			4,482			4,513			3,964
Net Income Attributable to Minority Interests	1			1			1						1			1			1			1			1			1			1			1			3			4			4
Net Income	$	1,578		$	1,162		$	837		$	902		$	1,351		$	1,156		$	991		$	1,011		$	945		$	977		$	1,403		$	635		$	4,479		$	4,509		$	3,960

Average Assets (in billions of dollars)	$	252		$	261		$	268		$	292		$	302		$	308		$	323		$	339		$	344		$	356		$	357		$	344		$	268		318			$	350
Return on Assets	2.54		%	1.79		%	1.24		%	1.23		%	1.81		%	1.51		%	1.22		%	1.18		%	1.11		%	1.10		%	1.56		%	0.73		%	1.67		%	1.42		%	1.13		%

Revenue by Business
Retail Banking	$	1,007		$	1,066		$	1,079		$	1,136		$	1,127		$	1,164		$	1,161		$	1,205		$	1,171		$	1,260		$	1,282		$	1,214		$	4,288		$	4,657		$	4,927
Citi-Branded Cards	555			604			632			667			669			676			673			721			725			766			785			806			2,458			2,739			3,082
Regional Consumer Banking	1,562			1,670			1,711			1,803			1,796			1,840			1,834			1,926			1,896			2,026			2,067			2,020			$	6,746		$	7,396		$	8,009
Securities and Banking	2,163			1,375			685			590			1,330			1,010			1,020			966			1,045			1,033			1,460			736			4,813			4,326			4,274
Transaction Services	601			629			636			647			623			665			698			728			698			731			759			748			2,513			2,714			2,936
Total	$	4,326		$	3,674		$	3,032		$	3,040		$	3,749		$	3,515		$	3,552		$	3,620		$	3,639		$	3,790		$	4,286		$	3,504		$	14,072		$	14,436		$	15,219

Income from Continuing Operations by Business
Retail Banking	$	205		$	259		$	354		$	332		$	407		$	370		$	328		$	335		$	286		$	310		$	362		$	237		$	1,150		$	1,440		$	1,195
Citi-Branded Cards	30			8			70			119			152			185			164			169			167			169			200			173			227			670			709
Regional Consumer Banking	235			267			424			451			559			555			492			504			453			479			562			410			$	1,377		$	2,110		$	1,904
Securities and Banking	1,060			599			76			119			474			306			182			190			210			210			526			(51		)	1,854			1,152			895
Transaction Services	284			297			338			332			319			296			318			318			283			289			316			277			1,251			1,251			1,165
Total	$	1,579		$	1,163		$	838		$	902		$	1,352		$	1,157		$	992		$	1,012		$	946		$	978		$	1,404		$	636		$	4,482		$	4,513		$	3,964

Reclassified to conform to the current periods presentation.

CITI HOLDINGS

STATEMENT OF INCOME AND BALANCE SHEET DATA

(In millions of dollars)

Full

Year

2009

2010

2011

2009

2010

2011

Revenues

Net interest revenue	$	4,524		$	3,700		$	3,131		$	2,624		$	2,617		$	2,262		$	1,865		$	1,341		$	1,032		$	1,035		$	773		$	843		13,979			$	8,085		$	3,683
Non-interest revenue	(2,475		)	11,285			2,005			565			2,056			873			261			996			617			1,372			354			245			11,380			4,186			2,588
Total revenues, net of interest expense	2,049			14,985			5,136			3,189			4,673			3,135			2,126			2,337			1,649			2,407			1,127			1,088			25,359			12,271			6,271

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	5,607			6,448			5,908			5,184			3,784			3,645			3,460			3,069			3,018			2,165			1,881			1,512			23,147			13,958			8,576
Credit Reserve Build / (Release)	1,344			2,769			281			738			340			(601		)	(1,034		)	(1,199		)	(1,558		)	(575		)	(532		)	(612		)	5,132			(2,494		)	(3,277		)
Provision for loan losses	6,951			9,217			6,189			5,922			4,124			3,044			2,426			1,870			1,460			1,590			1,349			900			28,279			11,464			5,299
Provision for Benefits & Claims	277			251			270			246			234			176			184			187			204			183			204			188			1,044			781			779
Provision for unfunded lending commitments	28			52						26			(26		)	(45		)	26			(37		)	21			(8		)	(3		)	(51		)	106			(82		)	(41		)
Total provisions for credit losses and for benefits and claims	7,256			9,520			6,459			6,194			4,332			3,175			2,636			2,020			1,685			1,765			1,550			1,037			29,429			12,163			6,037

Total operating expenses	3,636			3,084			2,430			2,507			1,976			1,886			1,683			1,811			1,443			1,654			1,512			1,855			11,657			7,356			6,464

Income (Loss) from Continuing Operations before Income Taxes	(8,843		)	2,381			(3,753		)	(5,512		)	(1,635		)	(1,926		)	(2,193		)	(1,494		)	(1,479		)	(1,012		)	(1,935		)	(1,804		)	(15,727		)	(7,248		)	(6,230		)
Provision (benefits) for income taxes	(3,491		)	937			(1,601		)	(2,691		)	(873		)	(673		)	(794		)	(475		)	(522		)	(401		)	(714		)	(490		)	(6,846		)	(2,815		)	(2,127		)

Income (Loss) from Continuing Operations	5,352			1,444			(2,152		)	(2,821		)	(762		)	(1,253		)	(1,399		)	(1,019		)	(957		)	(611		)	(1,221		)	(1,314		)	(8,881		)	(4,433		)	(4,103		)
Net Income (Loss) attributable to noncontrolling Minority Interests (Minority Interest)	(11		)	(37		)	49			28			11			8			80			108			61			50			7			1			29			207			119
Citi Holdings Net Income (Loss)	$	(5,341	)	$	1,481		$	(2,201	)	$	(2,849	)	$	(773	)	$	(1,261	)	$	(1,479	)	$	(1,127	)	$	(1,018	)	$	(661	)	$	(1,228	)	$	(1,315	)	$	(8,910	)	$	(4,640	)	$	(4,222	)

Balance Sheet Data (in billions):

Total EOP Assets	$	573		$	554		$	527		$	458		$	458		$	420		$	377		$	313		$	295		$	265		$	247		$	225		$	458		$	313		$	225

Total EOP Deposits	$	82		$	81		$	84		$	83		$	80		$	77		$	78		$	76		$	74		$	70		$	68		$	62		$	83		$	76		$	62

Reclassified to conform to the current periods presentation.

CITI HOLDINGS

BROKERAGE AND ASSET MANAGEMENT

(In millions of dollars)

Full

Year

2009

2010

2011

2009

2010

2011

Net Interest Revenue	$	364		$	162	$	(82	)	$	(54	)	$	(65	)	$	(71	)	$	(87	)	$	(54	)	$	(46	)	$	(44	)	$	(42	)	$	(48	)	$	390		$	(277	)	$	(180	)
Non-Interest Revenue	1,243			12,058		607			325			405			212			79			190			183			91			97			91			14,233			886			462
Total Revenues, Net of Interest Expense	1,607			12,220		525			271			340			141			(8		)	136			137			47			55			43			14,623			609			282
Total Operating Expenses	1,526			1,082		341			327			273			267			231			216			174			230			145			180			3,276			987			729
Net Credit Losses						1						11			1			2			3			1						3						1			17			4
Credit Reserve Build / (Release)	43			3		(11		)	1			(7		)	(3		)	(4		)	(4		)	(1		)	(2		)							36			(18		)	(3		)
Provision for Benefits & Claims	11			8		8			13			9			9			9			11			8			9			11			20			40			38			48
Provision for Unfunded Lending Commitments									(5		)				(6		)										1			(1		)	(1		)	(5		)	(6		)	(1		)
Provision for Loan Losses and for Benefits and Claims	54			11		(2		)	9			13			1			7			10			8			8			13			19			72			31			48
Income (loss) from Continuing Operations before Taxes	27			11,127		186			(65		)	54			(127		)	(246		)	(90		)	(45		)	(191		)	(103		)	(156		)	11,275			(409		)	(495		)
Income Taxes (benefits)	11			4,377		117			(80		)	(22		)	(33		)	(93		)	(35		)	(35		)	(91		)	(20		)	(63		)	4,425			(183		)	(209		)
Income (loss) from Continuing Operations	16			6,750		69			15			76			(94		)	(153		)	(55		)	(10		)	(100		)	(83		)	(93		)	6,850			(226		)	(286		)
Net Income (loss) Attributable to Minority Interests	(17		)	6		16			7			(5		)	7			6			3			2			1			7			(1		)	12			11			9
Net Income (Loss)	$	33		$	6,744	$	53		$	8		$	81		$	(101	)	$	(159	)	$	(58	)	$	(12	)	$	(101	)	$	(90	)	$	(92	)	$	6,838		$	(237	)	$	(295	)
EOP Assets (in billions of dollars)	$	47		$	51	$	54		$	30		$	31		$	30		$	28		$	27		$	27		$	27		$	26		$	27		$	30		27			$	27

EOP Deposits (in billions of dollars)	$	59		$	56	$	60		$	60		$	59		$	57		$	57		$	58		$	58		$	55		$	54		$	55		$	60		$	58		$	55

Reclassified to conform to the current periods presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING

Page 1

(In millions of dollars)


	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011			2009			2010			2011

Net Interest Revenue	$	3,171		$	2,723		$	2,671		$	2,270		$	2,262		$	1,979		$	1,729		$	1,173		$	1,019		$	1,214		$	1,050		$	985		$	10,835		$	7,143		$	4,268
Non-Interest Revenue	1,805			418			577			361			531			443			91			602			500			131			249			294			3,161			1,667			1,174
Total Revenues, Net of Interest Expense	4,976			3,141			3,248			2,631			2,793			2,422			1,820			1,775			1,519			1,345			1,299			1,279			13,996			8,810			5,442
Total Operating Expenses	1,870			1,793			1,855			1,952			1,568			1,490			1,331			1,409			1,187			1,329			1,306			1,620			7,470			5,798			5,442
Net Credit Losses	4,097			4,811			4,586			4,253			3,481			3,182			2,769			2,496			2,347			1,946			1,676			1,535			17,747			11,928			7,504
Credit Reserve Build / (Release)	1,269			2,908			577			872			386			(222		)	(420		)	(509		)	(556		)	(182		)	(255		)	(426		)	5,626			(765		)	(1,419		)
Provision for Benefits & Claims	266			243			262			233			225			167			175			176			196			174			193			168			1,004			743			731
Provision for Unfunded Lending Commitments
Provision for Loan Losses and for Benefits and Claims	5,632			7,962			5,425			5,358			4,092			3,127			2,524			2,163			1,987			1,938			1,614			1,277			24,377			11,906			6,816
Income (loss) from Continuing Operations before Taxes	(2,526		)	(6,614		)	(4,032		)	(4,679		)	(2,867		)	(2,195		)	(2,035		)	(1,797		)	(1,655		)	(1,922		)	(1,621		)	(1,618		)	(17,851		)	(8,894		)	(6,816		)
Income Taxes (benefits)	(1,122		)	(2,566		)	(1,767		)	(2,090		)	(1,151		)	(920		)	(872		)	(586		)	(646		)	(733		)	(610		)	(414		)	(7,545		)	(3,529		)	(2,403		)
Income (loss) from Continuing Operations	(1,404		)	(4,048		)	(2,265		)	(2,589		)	(1,716		)	(1,275		)	(1,163		)	(1,211		)	(1,009		)	(1,189		)	(1,011		)	(1,204		)	(10,306		)	(5,365		)	(4,413		)
Net Income (loss) Attributable to Minority Interests	6			5			13			9						7						1												2			33			8			2
Net Income (Loss)	$	(1,410	)	$	(4,053	)	$	(2,278	)	$	(2,598	)	$	(1,716	)	$	(1,282	)	$	(1,163	)	$	(1,212	)	$	(1,009	)	$	(1,189	)	$	(1,011	)	$	(1,206	)	$	(10,339	)	$	(5,373	)	$	(4,415	)
Average Assets (in billions of dollars)	$	339		$	331		$	318		$	303		$	309		$	290		$	274		$	247		$	203		$	191		$	184		$	166		$	323		$	280		$	186
EOP Assets (in billions of dollars)	$	333		$	323		$	310		$	292		$	301		$	278		$	254		$	206		$	195		$	185		$	176		$	157		$	292		$	206		$	157

Net Credit Losses as a % of Average Loans	5.49		%	6.58		%	6.45		%	6.28		%	5.20		%	4.94		%	5.33		%	5.25		%	5.43		%	4.72		%	4.29		%	4.33		%

Revenue by Business
International	$	1,999		$	665		$	826		$	410		$	318		$	434		$	490		$	213		$	90		$	372		$	199		$	251		$	3,900		$	1,455		$	912
North America	2,977			2,476			2,422			2,221			2,475			1,988			1,330			1,562			1,429			973			1,100			1,028			10,096			7,355			4,530
Total Revenues	$	4,976		$	3,141		$	3,248		$	2,631		$	2,793		$	2,422		$	1,820		$	1,775		$	1,519		$	1,345		$	1,299		$	1,279		$	13,996		$	8,810		$	5,442

Net Credit Losses by Business
International	$	818		$	961		$	956		$	783		$	612		$	495		$	444		$	376		$	341		$	286		$	237		$	193		$	3,518		$	1,927		$	1,057
North America	3,279			3,850			3,630			3,470			2,869			2,687			2,325			2,120			2,006			1,660			1,439			1,342			14,229			10,001			6,447
Total Net Credit Losses	$	4,097		$	4,811		$	4,586		$	4,253		$	3,481		$	3,182		$	2,769		$	2,496		$	2,347		$	1,946		$	1,676		$	1,535		$	17,747		$	11,928		$	7,504

Income (Loss) from Continuing Operations by Business
International	$	402		$	(806	)	$	(620	)	$	(426	)	$	(558	)	$	(183	)	$	(114	)	$	(284	)	$	(340	)	$	(139	)	$	(159	)	$	(235	)	$	(1,450	)	$	(1,139	)	$	(873	)
North America	(1,806		)	(3,242		)	(1,645		)	(2,163		)	(1,158		)	(1,092		)	(1,049		)	(927		)	(669		)	(1,050		)	(852		)	(969		)	(8,856		)	(4,226		)	(3,540		)
Total Income (Loss) from Continuing Operations	$	(1,404	)	$	(4,048	)	$	(2,265	)	$	(2,589	)	$	(1,716	)	$	(1,275	)	$	(1,163	)	$	(1,211	)	$	(1,009	)	$	(1,189	)	$	(1,011	)	$	(1,204	)	$	(10,306	)	$	(5,365	)	$	(4,413	)

Reclassified to conform to the current periods presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING - Page 2 - Page 2

(In millions of dollars, except branches)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011

International Key Indicators

Branches	793			738			600			534			534			532			532			501			498			498			408			395
Average Loans (in billions) (1)	$	39.3		$	39.7		$	38.8		$	35.6		$	30.0		$	26.1		$	25.0		$	23.6		$	18.9		$	17.9		$	15.9		$	14.4
EOP Loans (1):
Real Estate Lending	$	9.1		$	9.8		$	9.5		$	9.2		$	7.5		$	7.0		$	7.0		$	6.6		$	6.5		$	5.5		$	5.3		$	5.0
Cards	10.9			11.5			9.6			8.3			6.8			6.2			6.5			6.2			3.5			3.6			3.3			2.7
Commercial Markets	1.1			1.3			1.3			1.2			1.2			1.2			1.2			1.2			1.1			1.0			0.7			0.5
Personal and Other	16.4			16.9			16.2			13.7			12.2			10.2			10.0			7.9			7.0			6.4			5.5			2.6
EOP Loans (in billions of dollars)	$	37.5		$	39.5		$	36.6		$	32.4		$	27.7		$	24.6		$	24.7		$	21.9		$	18.1		$	16.5		$	14.8		$	10.8
Net Interest Revenue	$	811		$	670		$	773		$	513		$	464		$	391		$	395		$	134		$	4		$	276		$	174		$	248
As a % of Average Loans	8.37		%	6.77		%	7.90		%	5.72		%	6.27		%	6.01		%	6.27		%	2.25		%	0.09		%	6.18		%	4.34		%	6.83		%
Net Credit Losses	$	818		$	961		$	956		$	783		$	612		$	495		$	444		$	376		$	341		$	286		$	237		$	193
As a % of Average Loans	8.44		%	9.71		%	9.78		%	8.73		%	8.27		%	7.61		%	7.05		%	6.32		%	7.32		%	6.41		%	5.91		%	5.32		%
Loans 90+ Days Past Due	$	1,380		$	1,550		$	1,464		$	1,361		$	952		$	724		$	713		$	657		$	572		$	530		$	480		$	422
As a % of EOP Loans	3.68		%	3.92		%	4.00		%	4.20		%	3.44		%	2.94		%	2.89		%	3.00		%	3.16		%	3.21		%	3.24		%	3.91		%
Loans 30-89 Days Past Due	$	1,963		$	1,843		$	1,733		$	1,482		$	1,060		$	938		$	978		$	848		$	814		$	726		$	677		$	499
As a % of EOP Loans	5.23		%	4.67		%	4.73		%	4.57		%	3.83		%	3.81		%	3.96		%	3.87		%	4.50		%	4.40		%	4.57		%	4.62		%

North America Key Indicators (1)

Branches	2,341			2,332			2,300			2,261			2,250			2,218			1,841			1,837			1,835			1,816			1,794			1,729
Average Loans (in billions of dollars)	$	263.2		$	253.7		$	243.1		$	233.1		$	241.7		$	232.3		$	181.2		$	165.1		$	156.5		$	147.6		$	139.0		$	129.4
EOP Loans (in billions of dollars)	$	258.7		$	248.5		$	237.7		$	227.4		$	237.1		$	218.8		$	171.1		$	159.6		$	150.3		$	141.8		$	132.6		$	123.9
Net Interest Revenue	$	2,360		$	2,053		$	1,898		$	1,757		$	1,798		$	1,588		$	1,334		$	1,039		$	1,015		$	938		$	876		$	737
As a % of Avg. Loans	3.64		%	3.25		%	3.10		%	2.99		%	3.02		%	2.74		%	2.92		%	2.50		%	2.63		%	2.55		%	2.50		%	2.26		%
Net Credit Losses	$	3,279		$	3,850		$	3,630		$	3,470		$	2,869		$	2,687		$	2,325		$	2,120		$	2,006		$	1,660		$	1,439		$	1,342
As a % of Average Loans	5.05		%	6.09		%	5.92		%	5.91		%	4.81		%	4.64		%	5.09		%	5.09		%	5.20		%	4.51		%	4.11		%	4.11		%
Loans 90+ Days Past Due (2) (3)	$	11,549		$	12,006		$	14,323		$	14,670		$	13,962		$	12,090		$	9,652		$	8,207		$	6,847		$	5,628		$	5,443		$	5,585
As a % of EOP Loans	4.59		%	5.01		%	6.24		%	6.73		%	6.20		%	5.85		%	6.06		%	5.49		%	4.87		%	4.26		%	4.42		%	4.87		%
Loans 30-89 Days Past Due (2) (3)	$	9,526		$	9,957		$	10,407		$	10,152		$	9,281		$	8,537		$	7,756		$	7,087		$	5,469		$	5,335		$	5,322		$	4,649
As a % of EOP Loans	3.79		%	4.15		%	4.54		%	4.66		%	4.12		%	4.13		%	4.87		%	4.74		%	3.89		%	4.04		%	4.32		%	4.05		%

(1) Average loans, EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

(2) Average Yield is gross interest revenue earned divided by average loans.

(3) Net Interest Revenue includes certain fees that are recorded as interest revenue.

Reclassified to conform to the current periods presentation.

CITI HOLDINGS
LOCAL CONSUMER LENDING - Page 3
(In millions of dollars)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011

KEY INDICATORS:

Residential Real Estate Lending

Residential First	$	112.3		$	107.8		$	103.1		$	99.1		$	97.9		$	94.5		$	88.0		$	82.9		$	78.9		$	75.2		$	71.9		$	68.8
Home Equity	62.0			60.0			57.5			55.3			53.1			51.1			49.4			46.8			45.3			43.4			42.1			40.8
Average Loans (in billions of dollars)	$	174.3		$	167.8		$	160.6		$	154.4		$	151.0		$	145.6		$	137.4		$	129.7		$	124.2		$	118.6		$	114.0		$	109.6

Residential First	$	110.4		$	105.4		$	101.2		$	97.5		$	96.1		$	90.0		$	85.0		$	80.1		$	76.0		$	73.2		$	69.6		$	67.5
Home Equity	61.0			58.5			56.1			53.6			52.0			50.1			47.9			45.9			44.4			42.8			41.3			40.0
EOP Loans (in billions of dollars)	$	171.4		$	163.9		$	157.3		$	151.1		$	148.1		$	140.1		$	132.9		$	126.0		$	120.4		$	116.0		$	110.9		$	107.5

Third Party Mortgage Serv Portfolio (EOP, in billions)	$	435.0		$	404.4		$	385.0		$	364.6		$	341.4		$	327.6		$	307.7		$	259.9		$	244.4		$	234.8		$	207.2		$	195.1
Net Servicing & Gain/(Loss) on Sale	$	(12.3	)	$	(183.8	)	$	(122.3	)	$	(150.1	)	$	69.5		$	180.7		$	80.8		$	172.2		$	53.4		$	(20.3	)	$	86.4		$	118.1
Net Interest Revenue on Loans	$	778		$	583		$	529		$	516		$	569		$	456		$	436		$	407		$	435		$	371		$	310		$	255
As a % of Avg. Loans	1.81		%	1.39		%	1.31		%	1.33		%	1.53		%	1.26		%	1.26		%	1.24		%	1.42		%	1.25		%	1.08		%	0.92		%

Residential First	$	907		$	1,188		$	1,014		$	989		$	752		$	691		$	588		$	499		$	554		$	461		$	437		$	412
Home Equity	1,063			1,282			1,240			1,103			951			857			795			771			713			627			542			533
Net Credit Losses	$	1,970		$	2,470		$	2,254		$	2,092		$	1,703		$	1,548		$	1,383		$	1,270		$	1,267		$	1,088		$	979		$	945
As a % of Avg. Loans	4.58		%	5.90		%	5.57		%	5.38		%	4.57		%	4.26		%	3.99		%	3.88		%	4.14		%	3.68		%	3.41		%	3.42		%

Residential First	$	7,646		$	8,053		$	10,404		$	10,805		$	9,555		$	7,943		$	6,900		$	5,560		$	4,531		$	3,931		$	3,822		$	4,082
Home Equity	1,850			1,836			1,688			1,615			1,392			1,367			1,342			1,311			1,180			1,036			1,014			1,009
Loans 90+ Days Past Due (1) (2)	$	9,496		$	9,889		$	12,092		$	12,420		$	10,947		$	9,310		$	8,242		$	6,871		$	5,711		$	4,967		$	4,836		$	5,091
As a % of EOP Loans	5.78		%	6.37		%	8.12		%	8.76		%	8.04		%	7.27		%	6.81		%	5.93		%	5.16		%	4.67		%	4.76		%	5.18		%

Residential First	$	5,872		$	6,253		$	6,504		$	6,008		$	4,905		$	4,538		$	4,524		$	4,186		$	3,298		$	3,447		$	3,494		$	3,392
Home Equity	1,410			1,355			1,363			1,495			1,411			1,234			1,247			1,190			968			897			907			861
Loans 30-89 Days Past Due (1) (2)	$	7,282		$	7,608		$	7,867		$	7,503		$	6,316		$	5,772		$	5,771		$	5,376		$	4,266		$	4,344		$	4,401		$	4,253
As a % of EOP Loans	4.43		%	4.90		%	5.28		%	5.29		%	4.64		%	4.51		%	4.77		%	4.64		%	3.86		%	4.09		%	4.34		%	4.33		%

Personal Loans
Average Loans (in billions of dollars)	$	17.3		$	16.6		$	16.1		$	15.3		$	14.4		$	13.5		$	12.9		$	12.6		$	12.1		$	11.6		$	11.3		$	11.0
EOP Loans (in billions of dollars)	$	16.8		$	16.3		$	15.8		$	14.9		$	14.0		$	13.2		$	12.8		$	12.4		$	11.7		$	11.5		$	11.1		$	10.9
Net Interest Revenue on Loans	$	703		$	658		$	654		$	619		$	603		$	555		$	538		$	536		$	509		$	519		$	522		$	517
As a % of Avg. Loans	16.48		%	15.90		%	16.12		%	16.05		%	16.98		%	16.49		%	16.55		%	16.88		%	17.06		%	17.95		%	18.33		%	18.65		%
Net Credit Losses	$	502		$	534		$	481		$	484		$	379		$	425		$	360		$	348		$	383		$	314		$	246		$	236
As a % of Avg. Loans	11.77		%	12.90		%	11.85		%	12.55		%	10.67		%	12.63		%	11.07		%	10.96		%	12.84		%	10.86		%	8.64		%	8.51		%
Loans 90+ Days Past Due	$	609		$	552		$	570		$	493		$	512		$	428		$	476		$	536		$	441		$	350		$	352		$	355
As a % of EOP Loans	3.63		%	3.39		%	3.61		%	3.31		%	3.66		%	3.24		%	3.72		%	4.32		%	3.77		%	3.04		%	3.17		%	3.26		%
Loans 30-89 Days Past Due	$	410		$	422		$	425		$	386		$	325		$	342		$	403		$	334		$	242		$	251		$	247		$	239
As a % of EOP Loans	2.44		%	2.59		%	2.69		%	2.59		%	2.32		%	2.59		%	3.15		%	2.69		%	2.07		%	2.18		%	2.23		%	2.19		%

(1)	The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios for North America (ex Cards) excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies.

		The amounts excluded for Loans 90+Days Past Due and (EOP Loans) for each period are: $5.2 billion ($9.0 billion), $5.0 billion ($9.4 billion), $5.0 billion ($9.5 billion), $5.2 billion ($8.4 billion), $4.9 billion ($8.3 billion), $4.6 billion ($8.3 billion), $4.5 billion ($8.1 billion) and $4.4 billion ($7.9 billion) as of March 31, 2010, June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, June 30, 2011, September 30, 2011 and December 31, 2011, respectively.

		The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) for each period are: $1.2 billion ($9.0 billion), $1.6 billion ($9.4 billion), $1.7 billion ($9.5 billion) $1.6 billion ($8.4 billion), $1.4 billion ($8.3 billion), $1.6 billion ($8.3 billion) , $1.6 billion ($8.1 billion) and $1.5 billion ($7.9 billion) as of March 31, 2010, June 30, 2010, September 30,2010, December 31, 2010, March 31, 2011, June 30, 2011, September 30, 2011 and December 31, 2011, respectively.

(2)	The March 31, 2010, June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, June 30, 2011, September 30, 2011 and December 31, 2011 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios for North America (ex Cards) excludes $2.9 billion, $2.6 billion, $2.4 billion, $1.7 billion, $1.5 billion, $1.4 billion, $1.3 billion and $1.3 billion, respectively, of Loans that are carried at fair value.

Reclassified to conform to the current periods presentation.

CITI HOLDINGS

SPECIAL ASSET POOL

(In millions of dollars)

Full

Year

2009

2010

2011

2009

2010

2011

Net Interest Revenue	$	989		$	815		$	542		$	408		$	420		$	354		$	223		$	222		$	59		$	(135	)	$	(235	)	$	(94	)	$	2,754		$	1,219		$	(405	)
Non-Interest Revenue	(5,523		)	(1,191		)	821			(121		)	1,120			218			91			204			(66		)	1,150			8			(140		)	(6,014		)	1,633			952
Total Revenues, Net of Interest Expense	(4,534		)	(376		)	1,363			287			1,540			572			314			426			(7		)	1,015			(227		)	(234		)	(3,260		)	2,852			547
Total Operating Expenses	240			209			234			228			135			129			121			186			82			95			61			55			911			571			293
Net Credit Losses	1,510			1,637			1,321			931			292			462			689			570			670			219			202			(23		)	5,399			2,013			1,068
Credit Reserve Build / (Release)	32			(142		)	(285		)	(135		)	(39		)	(376		)	(610		)	(686		)	(1,001		)	(391		)	(277		)	(186		)	(530		)	(1,711		)	(1,855		)
Provision for Benefits & Claims
Provision for Unfunded Lending Commitments	28			52						31			(26		)	(39		)	26			(37		)	21			(9		)	(2		)	(50		)	111			(76		)	(40		)
Provision for Loan Losses and for Benefits and Claims	1,570			1,547			1,036			827			227			47			105			(153		)	(310		)	(181		)	(77		)	(259		)	4,980			226			(827		)
Income from Continuing Operations before Taxes	(6,344		)	(2,132		)	93			(768		)	1,178			396			88			393			221			1,101			(211		)	(30		)	(9,151		)	2,055			1,081
Income Taxes	(2,380		)	(874		)	49			(521		)	300			280			171			146			159			423			(84		)	(13		)	(3,726		)	897			485
Income from Continuing Operations	(3,964		)	(1,258		)	44			(247		)	878			116			(83		)	247			62			678			(127		)	(17		)	(5,425		)	1,158			596
Net Income (loss) Attributable to Minority Interests				(48		)	20			12			16			(6		)	74			104			59			49									(16		)	188			108
Net Income (Loss)	$	(3,964	)	$	(1,210	)	$	24		$	(259	)	$	862		$	122		$	(157	)	$	143		$	3		$	629		$	(127	)	$	(17	)	$	(5,409	)	$	970		$	488

EOP Assets (in billions of dollars)	$	193		$	180		$	163		$	136		$	126		$	112		$	95		$	80		$	73		$	53		$	45		$	41		$	136		80			$	41

Reclassified to conform to the current periods presentation.

CORPORATE / OTHER

(In millions of dollars)


																																					Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011			2009			2010			2011

Net Interest Revenue	$	(695	)	$	(151	)	$	(504	)	$	(487	)	$	266		$	276		$	194		$	92		$	11		$	(50	)	$	(22	)	$	87		$	(1,837	)	$	828		$	26
Non-Interest Revenue	1,195			(590		)	1,175			(10,499		)	83			388			402			53			(72		)	313			322			296			(8,719		)	926			859
Total Revenues, Net of Interest Expense	500			(741		)	671			(10,986		)	349			664			596			145			(61		)	263			300			383			(10,556		)	1,754			885
Total Operating Expenses	(86		)	174			276			415			334			214			321			637			647			613			521			512			779			1,506			2,293
Net Credit Losses	3						2			(2		)	(1		)	(1		)	1			1			1						1			1			3						3
Credit Reserve Build / (Release)	(1		)	2			(2		)				4									(2		)	(1		)				(1		)	(1		)	(1		)	2			(3		)
Provision for Benefits & Claims	1			(1		)										1			(1		)				1						(1		)	1									1
Provision for Unfunded Lending Commitments													(2		)				(1		)										1			(1		)				(3		)
Provision for Loan Losses and for Benefits and Claims	3			1						(2		)	1						(1		)	(1		)	1												2			(1		)	1
Income from Continuing Operations before Taxes	583			(916		)	395			(11,399		)	14			450			276			(491		)	(709		)	(350		)	(221		)	(129		)	(11,337		)	249			(1,409		)
Income Taxes	1,115			(981		)	192			(4,457		)	(30		)	231			116			(310		)	(230		)	(216		)	(147		)	(88		)	(4,131		)	7			(681		)
Income from Continuing Operations	(532		)	65			203			(6,942		)	44			219			160			(181		)	(479		)	(134		)	(74		)	(41		)	(7,206		)	242			(728		)
Income (Loss) from Discontinued Operations, net of taxes	(117		)	(142		)	(418		)	232			211			(3		)	(374		)	98			40			71			1						(445		)	(68		)	112
Net Income (loss) Attributable to Minority Interests	(2		)																(51		)	3									(41		)	14			(2		)	(48		)	(27		)
Net Income (Loss)	$	(647	)	$	(77	)	$	(215	)	$	(6,710	)	$	255		$	216		$	(163	)	$	(86	)	$	(439	)	$	(63	)	$	(32	)	$	(55	)	$	(7,649	)	$	222		$	(589	)
EOP Assets (in billions of dollars)	$	203		$	216		$	258		$	231		$	263		$	262		$	279		$	271		$	281		$	269		$	283		$	284		$	231		$	271		$	284

Reclassified to conform to the current periods presentation.

AVERAGE BALANCES AND INTEREST RATES (1)(2)(3)(4)
Taxable Equivalent Basis

	Average Volumes						Interest						% Average Rate (4)
	Fourth		Third		Fourth		Fourth		Third		Fourth		Fourth		Third		Fourth
	Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter
In millions of dollars	2010		2011		2011 (5)		2010		2011		2011 (5)		2010		2011		2011 (5)
Assets:
Deposits with Banks	$	169,230	$	167,808	$	157,706	$	353	$	423	$	408	0.83	%	1.00	%	1.03	%
Fed Funds Sold and Resale Agreements (6)	244,532		281,033		282,946		816		948		942		1.32	%	1.34	%	1.32	%
Trading Account Assets (7)	283,053		275,750		247,894		2,191		2,094		1,941		3.07	%	3.01	%	3.11	%
Investments	332,933		296,854		288,699		2,592		2,037		1,950		3.09	%	2.72	%	2.68	%
Total Loans (net of Unearned Income) (8)	646,506		644,462		645,079		12,824		12,674		12,555		7.87	%	7.80	%	7.72	%
Other Interest-Earning Assets	49,787		50,755		47,189		180		106		140		1.43	%	0.83	%	1.18	%
Total Average Interest-Earning Assets	$	1,726,041	$	1,716,662	$	1,669,513	$	18,956	$	18,282	$	17,936	4.36	%	4.23	%	4.26	%

Liabilities:
Deposits (excluding deposit insurance and FDIC Assessment)	$	725,965	$	705,229	$	686,913	$	1,835	$	1,841	$	1,726	1.00	%	1.04	%	1.00	%
Deposit Insurance and FDIC Assessment							290		387		358
Total Deposits	725,965		705,229		686,913		2,125		2,228		2,084		1.16	%	1.25	%	1.20	%
Fed Funds Purchased and Repurchase Agreements (6)	205,341		218,416		223,817		686		796		731		1.33	%	1.45	%	1.30	%
Trading Account Liabilities (7)	80,214		96,708		76,437		102		91		65		0.50	%	0.37	%	0.34	%
Short-Term Borrowings	137,927		125,794		116,647		213		155		157		0.61	%	0.49	%	0.53	%
Long-Term Debt (9)	370,086		329,730		318,756		3,016		2,760		2,675		3.23	%	3.32	%	3.33	%
Total Average Interest-Bearing Liabilities	$	1,519,533	$	1,475,877	$	1,422,570	$	6,142	$	6,030	$	5,712	1.60	%	1.62	%	1.59	%

Total Average Interest-Bearing Liabilities (excluding deposit insurance and FDIC Assessment)	$	1,519,533	$	1,475,877	$	1,422,570	$	5,852	$	5,643	$	5,354	1.53	%	1.52	%	1.49	%


Net Interest Revenue as a % of Average Interest-Earning Assets (NIM)	$	12,814	$	12,252	$	12,224	2.95	%	2.83	%	2.90	%

NIR as a % of Average Interest-Earning Assets (NIM) (excluding deposit insurance and FDIC Assessment)	$	13,104	$	12,639	$	12,582	3.01	%	2.92	%	2.99	%

4Q11 Increase (Decrease) From							(5	)bps	7	bps

4Q11 Increase (Decrease) (excluding deposit insurance and FDIC Assessment) From							(2	)bps	7	bps

(1)	Net Interest Revenue includes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $124 million for the fourth quarter of 2010, $138 million for the third quarter of 2011 and $141 million for the fourth quarter of 2011.
(2)	Citigroup Average Balances and Interest Rates include both domestic and international operations.
(3)	Monthly averages have been used by certain subsidiaries where daily averages are unavailable.
(4)	Average Rate % is calculated as annualized interest over average volumes.
(5)	Not Used
(6)	Average volumes of securities borrowed or purchased under agreements to resell and securities loaned or sold under agreements to repurchase are reported net pursuant to FIN 41; the related interest excludes the impact of FIN 41.
(7)	Interest expense on trading account liabilities of ICG is reported as a reduction of interest revenue. Interest revenue and interest expense on cash collateral positions are reported in trading account assets and trading account liabilities, respectively.
(8)	Nonperforming loans are included in the average loan balances.
(9)	Excludes hybrid financial instruments with changes recorded in Principal Transactions.

Reclassified to conform to the current periods presentation and has been reclassified to exclude Discontinued Operations.

EOP DEPOSITS

TOTAL CITIGROUP

(In billions of dollars)

	1Q		2Q		3Q		4Q		1Q		2Q		3Q		4Q		1Q		2Q		3Q		4Q
	2009		2009		2009		2009		2010		2010		2010		2010		2011		2011		2011		2011

Citicorp Deposits by Business

Global Consumer Banking
North America	$	134.7	$	143.2	$	148.0	$	146.9	$	146.7	$	145.0	$	144.2	$	145.3	$	145.6	$	144.4	$	147.5	$	149.0
EMEA	11.1		12.0		12.7		15.0		14.5		13.4		13.7		12.6		12.7		12.8		12.1		12.1
Latin America	36.0		36.8		36.5		41.2		40.4		40.8		41.5		45.8		48.5		48.4		43.2		44.3
Asia	84.1		89.1		94.1		94.5		98.3		97.1		105.4		107.4		109.7		112.7		109.3		109.7
Total	$	265.9	$	281.1	$	291.3	$	297.6	$	299.9	$	296.3	$	304.8	$	311.1	$	316.5	$	318.3	$	312.1	$	315.1

ICG
Securities and Banking	$	124.7	$	118.0	$	120.4	$	117.6	$	120.6	$	112.4	$	115.6	$	111.4	$	115.0	$	113.7	$	104.3	$	110.9
Transaction Services	276.2		309.3		322.0		324.2		314.7		315.1		342.0		340.4		355.6		359.0		362.1		373.1
Total	$	400.9	$	427.3	$	442.4	$	441.8	$	435.3	$	427.5	$	457.6	$	451.8	$	470.6	$	472.7	$	466.4	$	484.0

Total Citicorp	$	666.8	$	708.4	$	733.7	$	739.4	$	735.2	$	723.8	$	762.4	$	762.9	$	787.1	$	791.0	$	778.5	$	799.1

Citi Holdings Deposits

Brokerage and Asset Management & Special Asset Pool	$	58.7	$	56.3	$	59.8	$	60.0	$	58.9	$	57.1	$	56.9	$	57.8	$	57.6	$	55.2	$	53.7	$	54.6
Local Consumer Lending	23.3		24.3		24.0		23.4		21.4		20.2		20.9		18.4		16.3		15.2		14.3		7.0
Total Citi Holdings	$	82.0	$	80.6	$	83.8	$	83.4	$	80.3	$	77.3	$	77.8	$	76.2	$	73.9	$	70.4	$	68.0	$	61.6

Corporate/Other Deposits	$	13.9	$	15.7	$	15.1	$	13.1	$	12.4	$	12.9	$	9.9	$	5.9	$	4.9	$	4.9	$	4.8	$	5.2

Total Citigroup Deposits	$	762.7	$	804.7	$	832.6	$	835.9	$	827.9	$	814.0	$	850.1	$	845.0	$	865.9	$	866.3	$	851.3	$	865.9

Reclassified to conform to the current periods presentation.

EOP LOANS

TOTAL CITIGROUP

(In billions of dollars)

	1Q			2Q			3Q			4Q			1Q		2Q		3Q		4Q		1Q		2Q		3Q		4Q
	2009			2009			2009			2009			2010		2010		2010		2010		2011		2011		2011		2011

Citicorp:
Global Consumer Banking

North America
Credit Cards	$	132.8		$	134.4		$	135.5		$	135.6		$	121.9	$	120.2	$	118.7	$	121.0	$	111.9	$	113.3	$	113.0	$	117.1
Retail Banking	34.1			33.6			34.0			32.2			31.5		30.2		29.4		30.7		33.0		34.5		36.5		38.9
Total	$	166.9		$	168.0		$	169.5		$	167.8		$	153.4	$	150.4	$	148.1	$	151.7	$	144.9	$	147.8	$	149.5	$	156.0

EMEA
Credit Cards	$	2.5		$	2.9		$	3.1		$	3.0		$	2.9	$	2.6	$	2.9	$	2.8	$	2.9	$	3.0	$	2.7	$	2.7
Retail Banking	5.2			5.4			5.5			5.0			4.6		4.0		4.4		4.2		4.5		4.7		4.3		4.2
Total	$	7.7		$	8.3		$	8.6		$	8.0		$	7.5	$	6.6	$	7.3	$	7.0	$	7.4	$	7.7	$	7.0	$	6.9

Latin America
Credit Cards	$	11.1		$	11.9		$	12.0		$	12.3		$	11.9	$	12.0	$	12.6	$	13.4	$	13.5	$	14.2	$	12.9	$	13.7
Retail Banking	14.1			15.1			16.3			16.6			17.8		18.0		19.1		19.8		21.6		23.2		21.6		23.6
Total	$	25.2		$	27.0		$	28.3		$	28.9		$	29.7	$	30.0	$	31.7	$	33.2	$	35.1	$	37.4	$	34.5	$	37.3

Asia
Credit Cards	$	15.2		$	16.2		$	16.7		$	17.4		$	17.1	$	17.0	$	18.3	$	19.7	$	19.2	$	20.0	$	18.9	$	19.9
Retail Banking	45.8			47.2			50.4			51.5			54.9		54.9		58.9		61.4		64.5		67.1		65.5		67.3
Total	$	61.0		$	63.4		$	67.1		$	68.9		$	72.0	$	71.9	$	77.2	$	81.1	$	83.7	$	87.1	$	84.4	$	87.2

Total Consumer Loans
Credit Cards	$	161.6		$	165.4		$	167.3		$	168.3		$	153.8	$	151.8	$	152.5	$	156.9	$	147.5	$	150.5	$	147.5	$	153.4
Retail Banking	99.2			101.3			106.2			105.3			108.8		107.1		111.8		116.1		123.6		129.5		127.9		134.0
Total Consumer	$	260.8		$	266.7		$	273.5		$	273.6		$	262.6	$	258.9	$	264.3	$	273.0	$	271.1	$	280.0	$	275.4	$	287.4

Total Corporate Loans
Securities and Banking	$	140.5		$	126.0		$	115.1		$	109.3		$	130.3	$	127.9	$	130.4	$	133.1	$	138.9	$	146.6	$	149.5	$	158.9
Transaction Services	23.3			25.4			25.9			25.2			30.6		35.3		40.8		44.1		47.2		52.9		57.8		60.3
Total Corporate Loans	$	163.8		$	151.4		$	141.0		$	134.5		$	160.9	$	163.2	$	171.2	$	177.2	$	186.1	$	199.5	$	207.3	$	219.2

Total Citicorp	$	424.6		$	418.1		$	414.5		$	408.1		$	423.5	$	422.1	$	435.5	$	450.2	$	457.2	$	479.5	$	482.7	$	506.6

Citi Holdings:

Local Consumer Lending - North America
Real Estate Lending	171.4			163.9			157.3			151.1			148.1		140.1		132.9		126.0		120.4		116.0		110.9		107.5
All Other	70.5			68.3			64.6			61.4			75.0		65.5		25.4		21.2		18.2		14.3		10.6		5.5
Personal	16.8			16.3			15.8			14.9			14.0		13.2		12.8		12.4		11.7		11.5		11.1		10.9
Total	$	258.7		$	248.5		$	237.7		$	227.4		$	237.1	$	218.8	$	171.1	$	159.6	$	150.3	$	141.8	$	132.6	$	123.9

Local Consumer Lending - International
Credit Cards	$	10.9		$	11.5		$	9.6		$	8.3		$	6.8	$	6.2	$	6.5	$	6.2	$	3.5	$	3.6	$	3.3	$	2.7
Retail Banking	26.6			28.0			27.0			24.1			20.9		18.4		18.2		15.7		14.6		12.9		11.5		8.1
Total	$	37.5		$	39.5		$	36.6		$	32.4		$	27.7	$	24.6	$	24.7	$	21.9	$	18.1	$	16.5	$	14.8	$	10.8

Citi Holdings - Other (Primarily SAP)	$	44.8		$	46.6		$	43.2		$	36.5		$	33.5	$	26.7	$	23.0	$	17.1	$	11.5	$	9.7	$	7.1	$	5.9

Total Citi Holdings	$	341.0		$	334.6		$	317.5		$	296.3		$	298.3	$	270.1	$	218.8	$	198.6	$	179.9	$	168.0	$	154.5	$	140.6
Total Citigroup - Managed	$	765.6		$	752.7		$	732.0		$	704.4		$	721.8	$	692.2	$	654.3	$	648.8	$	637.1	$	647.5	$	637.2	$	647.2

Impact of credit card securitization activity	$	(108.3	)	$	(111.0	)	$	(109.8	)	$	(112.9	)

Total Citigroup - GAAP	$	657.3		$	641.7		$	622.2		$	591.5		$	721.8	$	692.2	$	654.3	$	648.8	$	637.1	$	647.5	$	637.2	$	647.2

Consumer Loans	$	453.5		$	447.1		$	441.0		$	423.5		$	529.0	$	502.9	$	460.6	$	455.2	$	438.4	$	439.9	$	424.2	$	423.3
Corporate Loans	203.8			194.5			181.2			168.0			192.8		189.2		193.7		193.6		198.7		207.6		213.0		223.9
Total Citigroup - GAAP	$	657.3		$	641.6		$	622.2		$	591.5		$	721.8	$	692.1	$	654.3	$	648.8	$	637.1	$	647.5	$	637.2	$	647.2

Note: Certain small balance consumer loans included in the above lines are classified as Corporate Loans on the Consolidated Balance Sheet.

SUPPLEMENTAL DETAIL

CONSUMER LOANS 90+DAYS DELINQUENCY AMOUNTS AND RATIOS

BUSINESS VIEW

(In millions of dollars, except loan amounts in billions of dollars)

																									Loans 90+ Days Past Due (1)
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011

Citicorp (1) (2) (3) (4)
Total	$	6,663		$	6,750		$	6,385		$	6,529		$	5,857		$	5,292		$	4,883		$	4,453		$	4,086		$	3,705		$	3,383		$	3,374
*Ratio*	2.55		%	2.53		%	2.33		%	2.39		%	2.23		%	2.04		%	1.85		%	1.63		%	1.51		%	1.33		%	1.23		%	1.18		%

Retail Bank (2) (3) (4)
Total	$	868		$	915		$	835		$	797		$	818		$	815		$	843		$	761		$	801		$	812		$	761		$	737
Ratio	0.88		%	0.90		%	0.79		%	0.76		%	0.75		%	0.76		%	0.76		%	0.66		%	0.65		%	0.63		%	0.60		%	0.56		%
North America (2) (3)	$	99		$	97		$	92		$	106		$	140		$	190		$	221		$	228		$	241		$	211		$	232		$	235
Ratio	0.29		%	0.29		%	0.27		%	0.33		%	0.44		%	0.63		%	0.77		%	0.76		%	0.75		%	0.63		%	0.66		%	0.63		%
EMEA	$	125		$	149		$	138		$	123		$	108		$	109		$	106		$	84		$	77		$	76		$	65		$	59
Ratio	2.40		%	2.76		%	2.51		%	2.46		%	2.35		%	2.73		%	2.41		%	2.00		%	1.71		%	1.62		%	1.51		%	1.40		%
Latin America	$	285		$	314		$	271		$	309		$	324		$	308		$	290		$	224		$	249		$	259		$	240		$	221
Ratio	2.02		%	2.08		%	1.66		%	1.86		%	1.82		%	1.71		%	1.52		%	1.13		%	1.15		%	1.12		%	1.11		%	0.94		%
Asia	$	359		$	355		$	334		$	259		$	246		$	208		$	226		$	225		$	234		$	266		$	224		$	222
Ratio	0.78		%	0.75		%	0.66		%	0.50		%	0.45		%	0.38		%	0.38		%	0.37		%	0.36		%	0.40		%	0.34		%	0.33		%

Cards (1) (2)
Total	$	5,795		$	5,835		$	5,550		$	5,732		$	5,039		$	4,477		$	4,040		$	3,692		$	3,285		$	2,893		$	2,622		$	2,637
Ratio	3.59		%	3.53		%	3.32		%	3.41		%	3.28		%	2.95		%	2.65		%	2.35		%	2.23		%	1.92		%	1.78		%	1.72		%
North America - Citi-Branded	$	2,307		$	2,366		$	2,190		$	2,372		$	2,304		$	2,130		$	1,807		$	1,597		$	1,435		$	1,214		$	1,063		$	1,016
Ratio	2.78		%	2.79		%	2.55		%	2.78		%	2.92		%	2.71		%	2.32		%	2.03		%	1.93		%	1.62		%	1.42		%	1.32		%
North America - Retail Services	$	2,550		$	2,313		$	2,334		$	2,435		$	1,883		$	1,549		$	1,450		$	1,351		$	1,110		$	913		$	902		$	951
Ratio	5.13		%	4.65		%	4.72		%	4.85		%	4.39		%	3.71		%	3.55		%	3.20		%	2.97		%	2.38		%	2.38		%	2.38		%
EMEA	$	59		$	100		$	91		$	85		$	78		$	72		$	69		$	58		$	60		$	54		$	47		$	44
Ratio	2.36		%	3.45		%	2.94		%	2.83		%	2.69		%	2.77		%	2.38		%	2.07		%	2.07		%	1.80		%	1.74		%	1.63		%
Latin America	$	561		$	706		$	619		$	564		$	509		$	481		$	472		$	446		$	445		$	462		$	396		$	412
Ratio	5.05		%	5.93		%	5.16		%	4.59		%	4.28		%	4.01		%	3.75		%	3.33		%	3.30		%	3.25		%	3.07		%	3.01		%
Asia	$	318		$	350		$	316		$	276		$	265		$	245		$	242		$	240		$	235		$	250		$	214		$	214
Ratio	2.09		%	2.16		%	1.89		%	1.59		%	1.55		%	1.44		%	1.32		%	1.22		%	1.22		%	1.25		%	1.13		%	1.08		%

Citi Holdings - Local Consumer Lending (3) (4)	$	12,929		$	13,556		$	15,787		$	16,031		$	14,914		$	12,814		$	10,365		$	8,864		$	7,419		$	6,158		$	5,923		$	6,007
*Ratio*	4.47		%	4.85		%	5.93		%	6.40		%	5.90		%	5.54		%	5.64		%	5.17		%	4.68		%	4.14		%	4.29		%	4.79		%
International	$	1,380		$	1,550		$	1,464		$	1,361		$	952		$	724		$	713		$	657		$	572		$	530		$	480		$	422
Ratio	3.68		%	3.92		%	4.00		%	4.20		%	3.44		%	2.94		%	2.89		%	3.00		%	3.16		%	3.21		%	3.24		%	3.91		%
North America (3) (4)	$	11,549		$	12,006		$	14,323		$	14,670		$	13,962		$	12,090		$	9,652		$	8,207		$	6,847		$	5,628		$	5,443		$	5,585
Ratio	4.59		%	5.01		%	6.24		%	6.73		%	6.20		%	5.85		%	6.06		%	5.49		%	4.87		%	4.26		%	4.42		%	4.87		%

Total Citigroup (excluding Special Asset Pool) (1) (2) (3) (4)	$	19,592		$	20,306		$	22,172		$	22,560		$	20,771		$	18,106		$	15,248		$	13,317		$	11,505		$	9,863		$	9,306		$	9,381
Ratio	6.73		%	3.72		%	4.11		%	4.31		%	4.03		%	3.69		%	3.41		%	3.00		%	2.68		%	2.31		%	2.26		%	2.28		%

(1)	Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. Historical disclosures reflect the impact from credit card securitizations only.

(2)	The ratio of 90+ Days Past Due is calculated based on end-of-period loans, net of unearned income.

(3)	The 90+ Days Past Due and related ratios for North America RCB and North America Local Consumer Lending (excluding Cards) excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies. See North America Retail Consumer Banking on page 10 and Local Consumer Lending on page 29.

(4)	The March 31, 2010, June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, June 30, 2011, September 30, 2011 and December 31, 2011 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios for North America (ex Cards) excludes $2.9 billion, $2.6 billion, $2.4 billion, $1.7 billion, $1.5 billion, $1.4 billion, $1.3 billion and $1.3 billion, respectively, of Loans that are carried at fair value.

Reclassified to conform to the current periods presentation

SUPPLEMENTAL DETAIL

CONSUMER LOANS 30-89 DAYS DELINQUENCY AMOUNTS AND RATIOS

BUSINESS VIEW

(In millions of dollars, except loan amounts in billions of dollars)

																									Loans 30-89 Days Past Due (1)
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011

Citicorp (1) (2) (3) (4)
Total	$	7,456		$	7,000		$	7,170		$	6,809		$	6,251		$	5,593		$	5,437		$	5,014		$	4,645		$	4,293		$	4,049		$	4,072
*Ratio*	2.86		%	2.62		%	2.62		%	2.49		%	2.38		%	2.16		%	2.06		%	1.84		%	1.72		%	1.54		%	1.48		%	1.42		%

Retail Bank (2) (3) (4)
Total	$	1,272		$	1,186		$	1,120		$	1,100		$	1,311		$	1,201		$	1,277		$	1,148		$	1,143		$	1,088		$	977		$	1,040
Ratio	1.28		%	1.17		%	1.05		%	1.04		%	1.20		%	1.12		%	1.15		%	1.00		%	0.93		%	0.85		%	0.77		%	0.78		%
North America (2) (3)	$	93		$	87		$	80		$	82		$	238		$	235		$	243		$	212		$	185		$	209		$	218		$	213
Ratio	0.27		%	0.26		%	0.24		%	0.25		%	0.76		%	0.78		%	0.85		%	0.71		%	0.58		%	0.62		%	0.62		%	0.57		%
EMEA	$	228		$	253		$	243		$	223		$	203		$	158		$	156		$	136		$	143		$	132		$	107		$	94
Ratio	4.38		%	4.69		%	4.42		%	4.46		%	4.41		%	3.95		%	3.55		%	3.24		%	3.18		%	2.81		%	2.49		%	2.24		%
Latin America	$	311		$	338		$	335		$	336		$	394		$	335		$	402		$	267		$	324		$	301		$	267		$	289
Ratio	2.21		%	2.24		%	2.06		%	2.02		%	2.21		%	1.86		%	2.10		%	1.35		%	1.50		%	1.30		%	1.24		%	1.22		%
Asia	$	640		$	508		$	462		$	459		$	476		$	473		$	476		$	533		$	491		$	446		$	385		$	444
Ratio	1.40		%	1.08		%	0.92		%	0.89		%	0.87		%	0.86		%	0.81		%	0.87		%	0.76		%	0.66		%	0.59		%	0.66		%

Cards (1) (2)
Total	$	6,184		$	5,814		$	6,050		$	5,709		$	4,940		$	4,392		$	4,160		$	3,866		$	3,502		$	3,205		$	3,072		$	3,032
Ratio	3.83		%	3.52		%	3.62		%	3.39		%	3.21		%	2.89		%	2.73		%	2.46		%	2.37		%	2.13		%	2.08		%	1.98		%
North America - Citi-Branded	$	2,337		$	2,024		$	2,214		$	2,182		$	2,144		$	1,828		$	1,687		$	1,540		$	1,335		$	1,142		$	1,106		$	1,078
Ratio	2.81		%	2.39		%	2.57		%	2.56		%	2.71		%	2.33		%	2.17		%	1.95		%	1.79		%	1.52		%	1.47		%	1.40		%
North America - Retail Services	$	2,641		$	2,570		$	2,709		$	2,479		$	1,844		$	1,665		$	1,617		$	1,458		$	1,277		$	1,171		$	1,205		$	1,175
Ratio	5.31		%	5.17		%	5.47		%	4.94		%	4.30		%	3.99		%	3.96		%	3.45		%	3.41		%	3.06		%	3.18		%	2.94		%
EMEA	$	132		$	147		$	156		$	141		$	114		$	90		$	86		$	72		$	78		$	72		$	63		$	59
Ratio	5.28		%	5.07		%	5.03		%	4.70		%	3.93		%	3.46		%	2.97		%	2.57		%	2.69		%	2.40		%	2.33		%	2.19		%
Latin America	$	689		$	693		$	604		$	554		$	478		$	488		$	442		$	456		$	454		$	469		$	398		$	399
Ratio	6.21		%	5.82		%	5.03		%	4.50		%	4.02		%	4.07		%	3.51		%	3.40		%	3.36		%	3.30		%	3.09		%	2.91		%
Asia	$	385		$	380		$	367		$	353		$	360		$	321		$	328		$	340		$	358		$	351		$	300		$	321
Ratio	2.53		%	2.35		%	2.20		%	2.03		%	2.11		%	1.89		%	1.79		%	1.73		%	1.86		%	1.76		%	1.59		%	1.61		%

Citi Holdings - Local Consumer Lending (3) (4)	$	11,489		$	11,800		$	12,140		$	11,634		$	10,341		$	9,475		$	8,734		$	7,935		$	6,283		$	6,061		$	5,999		$	5,148
*Ratio*	3.97		%	4.22		%	4.56		%	4.65		%	4.09		%	4.09		%	4.75		%	4.63		%	3.96		%	4.08		%	4.35		%	4.10		%
International	$	1,963		$	1,843		$	1,733		$	1,482		$	1,060		$	938		$	978		$	848		$	814		$	726		$	677		$	499
Ratio	5.23		%	4.67		%	4.73		%	4.57		%	3.83		%	3.81		%	3.96		%	3.87		%	4.50		%	4.40		%	4.57		%	4.62		%
North America (3) (4)	$	9,526		$	9,957		$	10,407		$	10,152		$	9,281		$	8,537		$	7,756		$	7,087		$	5,469		$	5,335		$	5,322		$	4,649
Ratio	3.79		%	4.15		%	4.54		%	4.66		%	4.12		%	4.13		%	4.87		%	4.74		%	3.89		%	4.04		%	4.32		%	4.05		%

Total Citigroup (excluding Special Asset Pool) (1) (2) (3) (4)	$	18,945		$	18,800		$	19,310		$	18,443		$	16,592		$	15,068		$	14,171		$	12,949		$	10,928		$	10,354		$	10,048		$	9,220
Ratio	3.45		%	3.44		%	3.58		%	3.52		%	3.22		%	3.07		%	3.17		%	2.93		%	3.93		%	2.42		%	2.44		%	2.24		%

(1) Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. Historical disclosures reflect the impact from credit card securitizations only.

(2) The ratio of 30-89 Days Past Due is calculated based on end-of-period loans, net of unearned income.

(3) The 30-89 Days Past Due and related ratios for North America RCB and North America Local Consumer Lending (excluding Cards) excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies. See North America Retail Consumer Banking on page 10 and Local Consumer Lending on page 29.

(4) The March 31, 2010, June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, June 30, 2011, September 30, 2011 and December 31, 2011 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios for North America (ex Cards) excludes $2.9 billion, $2.6 billion, $2.4 billion, $1.7 billion, $1.5 billion, $1.4 billion, $1.3 billion and $1.3 billion, respectively, of Loans that are carried at fair value.

Reclassified to conform to the current periods presentation

ALLOWANCE FOR CREDIT LOSSES - PAGE 1

TOTAL CITIGROUP

(In millions of dollars)


																																					Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011			2009			2010			2011

Total Citigroup
Allowance for Loan Losses at Beginning of Period (1)	$	29,616		$	31,703		$	35,940		$	36,416		$	36,033		$	48,746		$	46,197		$	43,674		$	40,655		$	36,568		$	34,362		$	32,052		$	29,616		$	36,033		$	40,655

Gross Credit (Losses)	(7,660		)	(8,773		)	(8,449		)	(7,902		)	(9,202		)	(9,006		)	(8,499		)	(7,784		)	(7,131		)	(5,906		)	(5,217		)	(4,910		)	(32,784		)	(34,491		)	(23,164		)
Gross Recoveries	378			418			480			767			818			1,044			840			930			862			759			703			802			2,043			3,632			3,126
Net Credit (Losses) / Recoveries (NCLs)	(7,282		)	(8,355		)	(7,969		)	(7,135		)	(8,384		)	(7,962		)	(7,659		)	(6,854		)	(6,269		)	(5,147		)	(4,514		)	(4,108		)	(30,741		)	(30,859		)	(20,038		)
NCLs	7,282			8,355			7,969			7,135			8,384			7,962			7,659			6,854			6,269			5,147			4,514			4,108			30,741			30,859			20,038
Net Reserve Builds / (Releases)	2,262			2,921			113			445			(882		)	(1,752		)	(1,470		)	(2,419		)	(3,482		)	(1,950		)	(1,591		)	(1,411		)	5,741			(6,523		)	(8,434		)
Net Specific Reserve Builds / (Releases) (2)	371			957			689			261			864			313			(523		)	204			112			(16		)	126			(53		)	2,278			858			169
Provision for Loan Losses	9,915			12,233			8,771			7,841			8,366			6,523			5,666			4,639			2,899			3,181			3,049			2,644			38,760			25,194			11,773
Other (4) (5) (6) (7) (8) (9) (10) (11)	(546		)	359			(326		)	(1,089		)	12,731			(1,110		)	(530		)	(804		)	(717		)	(240		)	(845		)	(473		)	(1,602		)	10,287			(2,275		)
Allowance for Loan Losses at End of Period (1) (a)	$	31,703		$	35,940		$	36,416		$	36,033		$	48,746		$	46,197		$	43,674		$	40,655		$	36,568		$	34,362		$	32,052		$	30,115		$	36,033		$	40,655		$	30,115

Allowance for Unfunded Lending Commitments (12) (a)	$	947		$	1,082		$	1,074		$	1,157		$	1,122		$	1,054		$	1,102		$	1,066		$	1,105		$	1,097		$	1,139		$	1,136		$	1,157		$	1,066		$	1,136

Provision for Unfunded Lending Commitments	$	60		$	135		$			$	49		$	(35	)	$	(71	)	$	26		$	(37	)	$	25		$	(13	)	$	43		$	(4	)	$	244		$	(117	)	$	51

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	32,650		$	37,022		$	37,490		$	37,190		$	49,868		$	47,251		$	44,776		$	41,721		$	37,673		$	35,459		$	33,191		$	31,251		$	37,190		$	41,721		$	31,251

Total Allowance for Loan Losses as a Percentage of Total Loans (13)	4.82		%	5.60		%	5.85		%	6.09		%	6.80		%	6.72		%	6.73		%	6.31		%	5.78		%	5.35		%	5.07		%	4.69		%

Allowance for Loan Losses at End of Period (1):
Citicorp	$	12,122		$	12,086		$	12,760		$	12,404		$	24,909		$	23,805		$	23,157		$	22,366		$	20,563		$	19,225		$	17,613		$	16,699
Citi Holdings	19,581			23,854			23,656			23,629			23,837			22,392			20,517			18,289			16,005			15,137			14,439			13,416
Total Citigroup	$	31,703		$	35,940		$	36,416		$	36,033		$	48,746		$	46,197		$	43,674		$	40,655		$	36,568		$	34,362		$	32,052		$	30,115

(1)	Allowance for Credit Losses represents managements estimate of probable losses inherent in the portfolio. Attribution of the allowance is made for analytical purposes only, and the entire allowance is available to absorb probable credit losses inherent in the portfolio.

(2)	The third quarter of 2011 includes $466 million attributable to the reclassification of certain loan modifications as TDRs in accordance with ASU 2011-02. Substantially all of which had previously been included in the non-specific reserves.

(3)	Includes all adjustments to the Allowance for Credit Losses, such as changes in the allowance from acquisitions, securitizations, foreign currency translation, purchase accounting adjustments, etc.

(4)	The first quarter of 2010 includes $13.4 billion related to the impact of consolidating entities in connection with Citigroups adoption of SFAS 166/167 as of January 1, 2010.

(5)	The second quarter of 2010 includes a reduction of an estimated $237 million related to the announced sales of the Canada Cards portfolio and an Auto portfolio (the allowance was transferred to Assets held-for-sale). Additionally, the second quarter of 2010 includes a reduction of approximately $480 million related to the sale or transfers to held-for-sale of U.S. Real Estate Lending Loans.

(6)	The third quarter of 2010 includes a reduction of an estimated $54 million related to the announced sale of The Student Loan Corporation (the allowance was transferred to Assets held-for-sale). Additionally, the third quarter of 2010 includes a reduction of approximately $950 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.

(7)	The fourth quarter of 2010 includes a reduction of approximately $600 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.

(8)	The first quarter of 2011 includes a reduction of approximately $560 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of $240 million related to the sale of the Egg Cards business.

(9)	The second quarter of 2011 includes a reduction of approximately $370 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.

(10)	The third quarter of 2011 includes a reduction of approximately $300 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of approximately $530 million related to foreign currency translation.

(11)	The fourth quarter of 2011 includes a reduction of approximately $325 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of approximately $72 million related to the transfer of Citi Belgium to held-for-sale.

(12)	Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.

(13)	March 31, 2010, June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, June 30, 2011, September 30, 2011 and December 31, 2011, excludes $5.4 billion, $4.9 billion, $5.2 billion, $4.4 billion, $4.4 billion, $4.8 billion, $5.4 billion and $5.3 billion, respectively, of Loans which are carried at fair value.

		Reclassified to conform to the current periods presentation.

ALLOWANCE FOR CREDIT LOSSES - PAGE 2

TOTAL CITIGROUP

(In millions of dollars)

4Q11 vs.

Full

4Q10 Increase/

Year

2009

2010

2011

(Decrease)

2009

2010

2011

Total Citigroup Consumer Loans

Allowance for Loan Losses at Beginning of Period (1)	$	22,204		$	24,036		$	27,969		$	28,420		$	28,347		$	41,369		$	39,529		$	37,564		$	35,406		$	32,686		$	30,915		$	28,866				$	22,204		$	28,347		$	35,406

Net Credit (Losses) / Recoveries (NCLs)	(5,711		)	(6,607		)	(6,428		)	(6,060		)	(8,020		)	(7,490		)	(6,737		)	(6,188		)	(5,420		)	(4,797		)	(4,242		)	(3,965		)	100	%	(24,806		)	(28,435		)	(18,424		)
NCLs	5,711			6,607			6,428			6,060			8,020			7,490			6,737			6,188			5,420			4,797			4,242			3,965			(100	)%	24,806			28,435			18,424
Net Reserve Builds / (Releases)	1,739			2,401			128			722			(510		)	(1,301		)	(1,167		)	(1,918		)	(2,885		)	(1,795		)	(1,473		)	(1,198		)	100	%	4,990			(4,896		)	(7,351		)
Net Specific Reserve Builds / (Releases) (2)	560			1,002			765			295			731			484			(222		)	587			906			267			235			31			(100	)%	2,622			1,580			1,439
Provision for Loan Losses	8,010			10,010			7,321			7,077			8,241			6,673			5,348			4,857			3,441			3,269			3,004			2,798			(100	)%	32,418			25,119			12,512
Other (4) (5) (6) (7) (8) (9) (10) (11)	(467		)	530			(442		)	(1,090		)	12,801			(1,023		)	(576		)	(827		)	(741		)	(243		)	(811		)	(463		)	100	%	(1,469		)	10,375			(2,258		)
Allowance for Loan Losses at End of Period (1) (a)	$	24,036		$	27,969		$	28,420		$	28,347		$	41,369		$	39,529		$	37,564		$	35,406		$	32,686		$	30,915		$	28,866		$	27,236				$	28,347		$	35,406		$	27,236

Consumer Allowance for Unfunded Lending Commitments (12) (a)	$			$			$			$	6		$	6		$			$			$			$			$	3		$	4		$	3				$	6		$			$	3

Provision for Unfunded Lending Commitments	$			$			$			$	(6	)	$			$	(9	)	$			$			$			$	3		$	2		$					$	(6	)	$	(9	)	$	5

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	24,036		$	27,969		$	28,420		$	28,353		$	41,375		$	39,529		$	37,564		$	35,406		$	32,686		$	30,918		$	28,870		$	27,239				$	28,353		$	35,406		$	27,239

Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans (13)	5.30		%	6.26		%	6.44		%	6.69		%	7.86		%	7.90		%	8.20		%	7.81		%	7.48		%	7.05		%	6.83		%	6.45		%

Total Citigroup Corporate Loans
Allowance for Loan Losses at Beginning of Period	$	7,412		$	7,667		$	7,971		$	7,996		$	7,686		$	7,377		$	6,668		$	6,110		$	5,249		$	3,882		$	3,447		$	3,186				$	7,412		$	7,686		$	5,249
Net Credit (Losses) / Recoveries (NCLs)	(1,571		)	(1,748		)	(1,541		)	(1,075		)	(364		)	(472		)	(922		)	(666		)	(849		)	(350		)	(272		)	(143		)	100	%	(5,935		)	(2,424		)	(1,614		)
NCLs	1,571			1,748			1,541			1,075			364			472			922			666			849			350			272			143			(100	)%	5,935			2,424			1,614
Net Reserve Builds / (Releases)	523			520			(15		)	(277		)	(372		)	(451		)	(303		)	(501		)	(597		)	(155		)	(118		)	(213		)	100	%	751			(1,627		)	(1,083		)
Net Specific Reserve Builds / (Releases)	(189		)	(45		)	(76		)	(34		)	133			(171		)	(301		)	(383		)	(794		)	(283		)	(109		)	(84		)	100	%	(344		)	(722		)	(1,270		)
Provision for Loan Losses	1,905			2,223			1,450			764			125			(150		)	318			(218		)	(542		)	(88		)	45			(154		)	100	%	6,342			75			(739		)
Other (3)	(79		)	(171		)	116			1			(70		)	(87		)	46			23			24			3			(34		)	(10		)			(133		)	(88		)	(17		)
Allowance for Loan Losses at End of Period (1) (b)	$	7,667		$	7,971		$	7,996		$	7,686		$	7,377		$	6,668		$	6,110		$	5,249		$	3,882		$	3,447		$	3,186		$	2,879				$	7,686		$	5,249		$	2,879

Corporate Allowance for Unfunded Lending Commitments (12) (b)	$	947		$	1,082		$	1,074		$	1,151		$	1,116		$	1,054		$	1,102		$	1,066		$	1,105		$	1,094		$	1,135		$	1,133				$	1,151		$	1,066		$	1,133

Provision for Unfunded Lending Commitments	$	60		$	135		$			$	55		$	(35	)	$	(62	)	$	26		$	(37	)	$	25		$	(16	)	$	41		$	(4	)			$	250		$	(108	)	$	46

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (b)]	$	8,614		$	9,053		$	9,070		$	8,837		$	8,493		$	7,722		$	7,212		$	6,315		$	4,987		$	4,541		$	4,321		$	4,012				$	8,837		$	6,315		$	4,012

Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans (14)	3.76		%	4.10		%	4.41		%	4.57		%	3.88		%	3.57		%	3.20		%	2.75		%	1.98		%	1.69		%	1.52		%	1.31		%

Notes to these tables are on the following page (page 38).

ALLOWANCE FOR CREDIT LOSSES - PAGE 3

TOTAL CITIGROUP

The following notes relate to the tables on the prior page (page 37).

(1)	Allowance for Credit Losses represents managements estimate of probable losses inherent in the portfolio. Attribution of the allowance is made for analytical purposes only, and the entire allowance is available to absorb probable credit losses inherent in the portfolio.

(2)	The third quarter of 2011 includes $466 million attributable to the reclassification of certain loan modifications as TDRs in accordance with ASU 2011-02. Substantially all of which had previously been included in the non-specific reserves.

(3)	Includes all adjustments to the Allowance for Credit Losses, such as changes in the allowance from acquisitions, securitizations, foreign currency translation, purchase accounting adjustments, etc.

(4)	The first quarter of 2010 includes $13.4 billion related to the impact of consolidating entities in connection with Citigroups adoption of SFAS 166/167 as of January 1, 2010.

(5)	The second quarter of 2010 includes a reduction of an estimated $237 million related to the announced sales of the Canada Cards portfolio and an Auto portfolio (the allowance was transferred to Assets held-for-sale). Additionally, the second quarter of 2010 includes a reduction of approximately $480 million related to the sale or transfers to held-for-sale of U.S. Real Estate Lending Loans.

(6)	The third quarter of 2010 includes a reduction of an estimated $54 million related to the announced sale of The Student Loan Corporation (the allowance was transferred to Assets held-for-sale). Additionally, the third quarter of 2010 includes a reduction of approximately $950 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.

(7)	The fourth quarter of 2010 includes a reduction of approximately $600 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.

(8)	The first quarter of 2011 includes a reduction of approximately $560 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of $240 million related to the sale of the Egg Cards business.

(9)	The second quarter of 2011 includes a reduction of approximately $370 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.

(10)	The third quarter of 2011 includes a reduction of approximately $300 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of approximately $485 million related to foreign currency translation.

(11)	The fourth quarter of 2011 includes a reduction of approximately $325 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of approximately $72 million related to the transfer of Citi Belgium to held-for-sale.

(12)	Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.

(13)	March 31, 2010, June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, June 30, 2011, September 30, 2011 and December 31, 2011, excludes $2.9 billion, $2.6 billion, $2.4 billion, $1.7 billion $1.5 billion, $1.4 billion, $1.3 billion and $1.3 billion, respectively, of Loans which are carried at fair value.

(14)	March 31, 2010, June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, June 30, 2011, September 30, 2011 and December 31, 2011 excludes $2.5 billion, $2.3 billion $2.8 billion $2.6 billion $2.9 billion, $3.4 billion $4.1 billion and $3.9 billion, respectively, of Loans which are carried at fair value.

Reclassified to conform to the current periods presentation.

COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 1

CITICORP

(In millions of dollars)


																																					Full		Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year		Year			Year
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011			2009		2010			2011

Citicorp
Net Credit Losses	$	1,672		$	1,907		$	2,059		$	1,953		$	4,601		$	4,318		$	4,198		$	3,784		$	3,250		$	2,982		$	2,632		$	2,595		$	7,591	$	16,901		$	11,459
Impact of Credit Card Securitization Activity (1)	2,548			3,115			3,013			2,845																											11,521
Managed NCLs	4,220			5,022			5,072			4,798			4,601			4,318			4,198			3,784			3,250			2,982			2,632			2,595			19,112		16,901			11,459
Credit Reserve Build / (Release)	1,290			1,107			523			(32		)	(362		)	(838		)	(959		)	(1,014		)	(1,811		)	(1,391		)	(932		)	(851		)	2,888		(3,173		)	(4,985		)

Global Consumer Banking
Net Credit Losses	$	1,595		$	1,737		$	1,760		$	1,739		$	4,498		$	4,275		$	3,908		$	3,647		$	3,040		$	2,832		$	2,545		$	2,423		$	6,831	$	16,328		$	10,840
Credit Reserve Build / (Release)	978			491			359			168			(185		)	(606		)	(932		)	(824		)	(1,417		)	(1,335		)	(964		)	(713		)	1,996		(2,547		)	(4,429		)
North America Regional Consumer Banking
Net Credit Losses	677			638			605			665			3,616			3,480			3,148			2,888			2,372			2,136			1,854			1,739			2,585		13,132			8,101
Credit Reserve Build / (Release)	545			25			55			75			2			(208		)	(492		)	(621		)	(1,201		)	(1,240		)	(955		)	(785		)	700		(1,319		)	(4,181		)
Retail Banking
Net Credit Losses	56			87			79			88			75			80			90			96			88			79			65			70			310		341			302
Credit Reserve Build / (Release)	31			39			54			38			2			(9		)	40			6			2			7			9			5			162		39			23
Citi-Branded Cards
Net Credit Losses	201			219			201			220			2,084			2,048			1,880			1,671			1,352			1,231			1,099			986			841		7,683			4,668
Credit Reserve Build / (Release)	221			110			1			33									1			(347		)	(642		)	(752		)	(655		)	(678		)	365		(346		)	(2,727		)
Citi Retail Services
Net Credit Losses	420			332			325			357			1,457			1,352			1,178			1,121			932			826			690			683			1,434		5,108			3,131
Credit Reserve Build / (Release)	293			(124		)				4						(199		)	(533		)	(280		)	(561		)	(495		)	(309		)	(112		)	173		(1,012		)	(1,477		)

EMEA Regional Consumer Banking
Net Credit Losses	89			121			132			133			96			84			63			72			49			46			49			28			475		315			172
Credit Reserve Build / (Release)	72			154			69			15			(11		)	(46		)	(48		)	(13		)	(34		)	(55		)	(32		)	3			310		(118		)	(118		)
Retail Banking
Net Credit Losses	60			74			77			79			46			45			32			43			23			23			29			12			290		166			87
Credit Reserve Build / (Release)	37			82			40			(20		)	(7		)	(21		)	(18		)	(7		)	(12		)	(29		)	(20		)	6			139		(53		)	(55		)
Citi-Branded Cards
Net Credit Losses	29			47			55			54			50			39			31			29			26			23			20			16			185		149			85
Credit Reserve Build / (Release)	35			72			29			35			(4		)	(25		)	(30		)	(6		)	(22		)	(26		)	(12		)	(3		)	171		(65		)	(63		)
Latin America Regional Consumer Banking
Net Credit Losses	542			610			656			624			509			457			451			451			407			425			406			446			2,432		1,868			1,684
Credit Reserve Build / (Release)	166			156			141						(138		)	(240		)	(298		)	(147		)	(147		)	(21		)	63			38			463		(823		)	(67		)
Retail Banking
Net Credit Losses	113			138			113			148			91			96			129			123			103			117			113			142			512		439			475
Credit Reserve Build / (Release)	8			34			60			(33		)	(7		)	(28		)	(53		)	3			(69		)	23			76			16			69		(85		)	46
Citi-Branded Cards
Net Credit Losses	429			472			543			476			418			361			322			328			304			308			293			304			1,920		1,429			1,209
Credit Reserve Build / (Release)	158			122			81			33			(131		)	(212		)	(245		)	(150		)	(78		)	(44		)	(13		)	22			394		(738		)	(113		)
Asia Regional Consumer Banking
Net Credit Losses	287			368			367			317			277			254			246			236			212			225			236			210			1,339		1,013			883
Credit Reserve Build / (Release)	195			156			94			78			(38		)	(112		)	(94		)	(43		)	(35		)	(19		)	(40		)	31			523		(287		)	(63		)
Retail Banking
Net Credit Losses	110			128			119			89			82			85			85			83			67			83			91			85			446		335			326
Credit Reserve Build / (Release)	103			52			(7		)	57			(14		)	(34		)	(30		)	(16		)	(14		)	(2		)	(13		)	26			205		(94		)	(3		)
Citi-Branded Cards
Net Credit Losses	177			240			248			228			195			169			161			153			145			142			145			125			893		678			557
Credit Reserve Build / (Release)	92			104			101			21			(24		)	(78		)	(64		)	(27		)	(21		)	(17		)	(27		)	5			318		(193		)	(60		)

Institutional Clients Group (ICG)
Net Credit Losses	77			170			299			214			103			43			290			137			210			150			87			172			760		573			619
Credit Reserve Build / (Release)	312			616			164			(200		)	(177		)	(232		)	(27		)	(190		)	(394		)	(56		)	32			(138		)	892		(626		)	(556		)
Securities and Banking
Net Credit Losses	75			173			302			208			102			42			289			134			203			151			70			178			758		567			602
Credit Reserve Build / (Release)	313			608			169			(203		)	(158		)	(199		)	(11		)	(194		)	(394		)	(83		)	50			(145		)	887		(562		)	(572		)
Transaction Services
Net Credit Losses	2			(3		)	(3		)	6			1			1			1			3			7			(1		)	17			(6		)	2		6			17
Credit Reserve Build / (Release)	(1		)	8			(5		)	3			(19		)	(33		)	(16		)	4						27			(18		)	7			5		(64		)	16

Total Citicorp Provision for Loan Losses	$	2,962		$	3,014		$	2,582		$	1,921		$	4,239		$	3,480		$	3,239		$	2,770		$	1,439		$	1,591		$	1,700		$	1,744		$	10,479	$	13,728		$	6,474

Total Citicorp Provision for Loan Losses including NCLs from Credit Card Securitization Activity (1)	$	5,510		$	6,129		$	5,595		$	4,766		$	4,239		$	3,480		$	3,239		$	2,770		$	1,439		$	1,591		$	1,700		$	1,744		$	22,000	$	13,728		$	6,474

Reclassified to conform to the current periods presentation.

COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 2

CITI HOLDINGS / TOTAL CITIGROUP

(In millions of dollars)


																																				Full			Full			Full
	1Q		2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year
	2009		2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011			2009			2010			2011
Citi Holdings
Net Credit Losses	$	5,607	$	6,448		$	5,908		$	5,184		$	3,784		$	3,645		$	3,460		$	3,069		$	3,018		$	2,165		$	1,881		$	1,512		$	23,147		$	13,958		$	8,576
Credit Reserve Build / (Release)	1,344		2,769			281			738			340			(601		)	(1,034		)	(1,199		)	(1,558		)	(575		)	(532		)	(612		)	5,132			(2,494		)	(3,277		)
Brokerage and Asset Management
Net Credit Losses						1						11			1			2			3			1						3						1			17			4
Credit Reserve Build / (Release)	43		3			(11		)	1			(7		)	(3		)	(4		)	(4		)	(1		)	(2		)							36			(18		)	(3		)
Local Consumer Lending
Net Credit Losses	4,097		4,811			4,586			4,253			3,481			3,182			2,769			2,496			2,347			1,946			1,676			1,535			17,747			11,928			7,504
Credit Reserve Build / (Release)	1,269		2,908			577			872			386			(222		)	(420		)	(509		)	(556		)	(182		)	(255		)	(426		)	5,626			(765		)	(1,419		)
Special Asset Pool
Net Credit Losses	1,510		1,637			1,321			931			292			462			689			570			670			219			202			(23		)	5,399			2,013			1,068
Credit Reserve Build / (Release)	32		(142		)	(285		)	(135		)	(39		)	(376		)	(610		)	(686		)	(1,001		)	(391		)	(277		)	(186		)	(530		)	(1,711		)	(1,855		)

Total Citi Holdings Provision for Loan Losses	$	6,951	$	9,217		$	6,189		$	5,922		$	4,124		$	3,044		$	2,426		$	1,870		$	1,460		$	1,590		$	1,349		$	900		$	28,279		$	11,464		$	5,299

Total Citicorp Provision for Loan Losses (from prior page)	$	2,962	$	3,014		$	2,582		$	1,921		$	4,239		$	3,480		$	3,239		$	2,770		$	1,439		$	1,591		$	1,700		$	1,744		$	10,479		$	13,728		$	6,474

Corporate / Other	2		2						(2		)	3			(1		)	1			(1		)													2			2

Total Citigroup Provision for Loan Losses	$	9,915	$	12,233		$	8,771		$	7,841		$	8,366		$	6,523		$	5,666		$	4,639		$	2,899		$	3,181		$	3,049		$	2,644		$	38,760		$	25,194		$	11,773

Total Citigroup Provision for Loan Losses including NCLs from Credit Card Securitization Activity (1)	$	12,463	$	15,348		$	11,784		$	10,686		$	8,366		$	6,523		$	5,666		$	4,639		$	2,899		$	3,181		$	3,049		$	2,644		$	50,281		$	25,194		$	11,773

Reclassified to conform to the current periods presentation.

NON-ACCRUAL ASSETS - PAGE 1

TOTAL CITIGROUP

(In millions of dollars)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	3,789		$	3,499		$	5,263		$	5,621		$	5,660		$	4,411		$	3,299		$	2,112		$	1,997		$	1,899		$	1,639		$	1,246
EMEA	6,479			7,690			7,969			6,308			5,839			5,511			5,479			5,337			2,437			1,954			1,748			1,293
Latin America	300			230			416			569			613			581			664			701			606			528			442			362
Asia	635			1,056			1,061			981			831			546			517			470			451			451			342			335
Total	$	11,203		$	12,475		$	14,709		$	13,479		$	12,943		$	11,049		$	9,959		$	8,620		$	5,491		$	4,832		$	4,171		$	3,236

Consumer Non-Accrual Loans By Region (2)
North America	$	11,687		$	12,154		$	14,609		$	15,111		$	12,966		$	11,289		$	9,978		$	8,540		$	7,068		$	6,125		$	5,954		$	6,046
EMEA	1,128			1,356			1,314			1,159			785			687			752			652			657			644			514			387
Latin America	1,338			1,520			1,342			1,340			1,241			1,207			1,144			1,019			1,034			1,083			998			1,107
Asia	755			741			710			651			633			580			586			576			562			549			480			450
Total	$	14,908		$	15,771		$	17,975		$	18,261		$	15,625		$	13,763		$	12,460		$	10,787		$	9,321		$	8,401		$	7,946		$	7,990

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

ICG	$	272		$	258		$	258		$	838		$	846		$	830		$	842		$	796		$	743		$	770		$	764		$	23
Global Consumer Banking	35			33			26			36			35			36			37			30			33			40			46			48
Brokerage and Asset Management	1			1			1
Local Consumer Lending	853			662			579			528			588			621			674			707			619			510			442			393
Special Asset Pool				1			5			87			44			179			181			156			168			98			92			87
Corporate/Other	41			14			15			11			8			7			7			14			14			16			13			15

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	1,202		$	969		$	884		$	1,500		$	1,521		$	1,673		$	1,741		$	1,703		$	1,577		$	1,434		$	1,357		$	566

OREO By Region:
North America	$	1,115		$	789		$	682		$	1,294		$	1,291		$	1,422		$	1,470		$	1,440		$	1,331		$	1,245		$	1,222		$	441
EMEA	65			97			105			121			134			146			164			161			140			133			79			73
Latin America	20			29			40			45			51			49			53			47			52			55			56			51
Asia	2			54			57			40			45			56			54			55			54			1						1
Total	$	1,202		$	969		$	884		$	1,500		$	1,521		$	1,673		$	1,741		$	1,703		$	1,577		$	1,434		$	1,357		$	566

Other Repossessed Assets (4)	$	78		$	72		$	76		$	73		$	64		$	55		$	38		$	28		$	21		$	18		$	24		$	1

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	11,203		$	12,475		$	14,709		$	13,479		$	12,943		$	11,049		$	9,959		$	8,620		$	5,491		$	4,832		$	4,171		$	3,236
Consumer Non-Accrual Basis Loans	14,908			15,771			17,975			18,261			15,625			13,763			12,460			10,787			9,321			8,401			7,946			7,990
Non-Accrual Loans (NAL)	26,111			28,246			32,684			31,740			28,568			24,812			22,419			19,407			14,812			13,233			12,117			11,226
OREO	1,202			969			884			1,500			1,521			1,673			1,741			1,703			1,577			1,434			1,357			566
Other Repossessed Assets	78			72			76			73			64			55			38			28			21			18			24			1
Non-Accrual Assets (NAA)	$	27,391		$	29,287		$	33,644		$	33,313		$	30,153		$	26,540		$	24,198		$	21,138		$	16,410		$	14,685		$	13,498		$	11,793

NAL as a % of Total Loans	3.97		%	4.40		%	5.25		%	5.37		%	3.96		%	3.58		%	3.43		%	2.99		%	2.32		%	2.04		%	1.90		%	1.73		%
NAA as a % of Total Assets	1.50		%	1.58		%	1.78		%	1.79		%	1.51		%	1.37		%	1.22		%	1.10		%	0.84		%	0.75		%	0.70		%	0.63		%

Allowance for Loan Losses as a % of NAL	121		%	127		%	111		%	114		%	171		%	186		%	195		%	209		%	247		%	260		%	265		%	268		%

(1) Corporate loans are placed on non-accrual status based upon a review by Citigroups Risk officers. Corporate non-accrual loans may still be current on interest payments. With limited exceptions, the following practices are applied for Consumer loans. Consumer loans, excluding credit cards and mortgages, are placed on non-accrual status at 90 days past due, and are charged off at 120 days past due. Residential mortgage loans are placed on non-accrual status at 90 days past due and written down to net realizable value at 180 days past due. Consistent with industry conventions, Citigroup generally accrues interest on credit card loans until such loans are charged off, which typically occurs at 180 days contractual delinquency. As such, the non-accrual loan disclosures do not include credit card loans.

(2) Excludes SOP 3-03 purchased distressed loans.

(3) Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral.

(4) Primarily transportation equipment, carried at lower of cost or fair value, less costs to sell.

(5) There is no industry-wide definition of non-accrual assets. As such, analysis against the industry is not always comparable.

Reclassified to conform to the current periods presentation.

NON-ACCRUAL ASSETS - PAGE 2

TOTAL CITICORP

(In millions of dollars)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	794		$	822		$	1,265		$	1,442		$	1,258		$	1,046		$	1,115		$	987		$	1,181		$	1,189		$	1,243		$	921
EMEA	548			1,752			1,472			1,137			1,089			864			1,131			1,276			1,302			1,064			957			694
Latin America	89			80			150			285			347			313			378			472			427			392			361			294
Asia	504			505			413			374			292			363			349			356			356			341			300			308
Total	$	1,935		$	3,159		$	3,300		$	3,238		$	2,986		$	2,586		$	2,973		$	3,091		$	3,266		$	2,986		$	2,861		$	2,217

Consumer Non-Accrual Loans By Region (2)
North America	$	154		$	177		$	262		$	207		$	242		$	273		$	355		$	376		$	363		$	341		$	345		$	345
EMEA	174			170			251			228			210			145			144			102			110			104			76			84
Latin America	1,331			1,512			1,310			1,300			1,200			1,167			1,102			977			1,004			1,051			959			1,061
Asia	357			377			384			380			386			339			354			363			359			364			323			311
Total	$	2,016		$	2,236		$	2,207		$	2,115		$	2,038		$	1,924		$	1,955		$	1,818		$	1,836		$	1,860		$	1,703		$	1,801

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
ICG	$	272		$	258		$	258		$	838		$	846		$	830		$	842		$	796		$	743		$	770		$	764		$	23
Global Consumer Banking	35			33			26			36			35			36			37			30			33			40			46			48

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	307		$	291		$	284		$	874		$	881		$	866		$	879		$	826		$	776		$	810		$	810		$	71

OREO By Region:
North America	$	286		$	193		$	173		$	786		$	783		$	803		$	821		$	777		$	727		$	759		$	766		$	30
EMEA				16			15			13			12			11			11			11			11			12			10			9
Latin America	19			28			39			35			41			39			42			34			34			38			34			31
Asia	2			54			57			40			45			13			5			4			4			1						1
Total	$	307		$	291		$	284		$	874		$	881		$	866		$	879		$	826		$	776		$	810		$	810		$	71

Other Repossessed Assets (4)	N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	1,935		$	3,159		$	3,300		$	3,238		$	2,986		$	2,586		$	2,973		$	3,091		$	3,266		$	2,986		$	2,861		$	2,217
Consumer Non-Accrual Basis Loans	2,016			2,236			2,207			2,115			2,038			1,924			1,955			1,818			1,836			1,860			1,703			1,801
Non-Accrual Loans (NAL)	3,951			5,395			5,507			5,353			5,024			4,510			4,928			4,909			5,102			4,846			4,564			4,018
OREO	307			291			284			874			881			866			879			826			776			810			810			71
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	4,258		$	5,686		$	5,791		$	6,227		$	5,905		$	5,376		$	5,807		$	5,735		$	5,878		$	5,656		$	5,374		$	4,089

NAA as a % of Total Assets	0.41		%	0.53		%	0.52		%	0.53		%	0.46		%	0.43		%	0.44		%	0.43		%	0.43		%	0.40		%	0.38		%	0.30		%

Allowance for Loan Losses as a % of NAL	307		%	224		%	232		%	232		%	496		%	528		%	470		%	456		%	403		%	397		%	386		%	416		%

N/A Not Available at the Citicorp level. See Non-Accrual Assets - Page 1 (on page 41) for Total Citigroup balances.

(2) Excludes SOP 3-03 purchased distressed loans.

(3) Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral.

(4) Primarily transportation equipment, carried at lower of cost or fair value, less costs to sell.

(5) There is no industry-wide definition of non-accrual assets. As such, analysis against the industry is not always comparable.

Reclassified to conform to the current periods presentation.

NON-ACCRUAL ASSETS - PAGE 3

TOTAL CITI HOLDINGS

(In millions of dollars)

2009

2010

2011

Non-Accrual Loans (1)

Corporate Non-Accrual Loans By Region (2)

North America	$	2,995		$	2,677		$	3,998		$	4,179		$	4,402		$	3,365		$	2,184		$	1,125		$	816		$	710		$	396		$	325
EMEA	5,931			5,938			6,497			5,171			4,750			4,647			4,348			4,061			1,135			890			791			599
Latin America	211			150			266			284			266			268			286			229			179			136			81			68
Asia	131			551			648			607			539			183			168			114			95			110			42			27
Total	$	9,268		$	9,316		$	11,409		$	10,241		$	9,957		$	8,463		$	6,986		$	5,529		$	2,225		$	1,846		$	1,310		$	1,019

Consumer Non-Accrual Loans By Region (2)
North America	$	11,533		$	11,977		$	14,347		$	14,904		$	12,724		$	11,016		$	9,623		$	8,164		$	6,705		$	5,784		$	5,609		$	5,701
EMEA	954			1,186			1,063			931			575			542			608			550			547			540			438			303
Latin America	7			8			32			40			41			40			42			42			30			32			39			46
Asia	398			364			326			271			247			241			232			213			203			185			157			139
Total	$	12,892		$	13,535		$	15,768		$	16,146		$	13,587		$	11,839		$	10,505		$	8,969		$	7,485		$	6,541		$	6,243		$	6,189

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

Brokerage and Asset Management	$	1		$	1		$	1		$			$			$			$			$			$			$			$			$
Local Consumer Lending	853			662			579			528			588			621			674			707			619			510			442			393
Special Asset Pool				1			5			87			44			179			181			156			168			98			92			87

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	854		$	664		$	585		$	615		$	632		$	800		$	855		$	863		$	787		$	608		$	534		$	480

OREO By Region:
North America	$	788		$	582		$	494		$	497		$	500		$	612		$	642		$	649		$	590		$	470		$	443		$	396
EMEA	65			81			90			108			122			135			153			150			129			121			69			64
Latin America	1			1			1			10			10			10			11			13			18			17			22			20
Asia																43			49			51			50
Total	$	854		$	664		$	585		$	615		$	632		$	800		$	855		$	863		$	787		$	608		$	534		$	480

Other Repossessed Assets (4)	N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	9,268		$	9,316		$	11,409		$	10,241		$	9,957		$	8,463		$	6,986		$	5,529		$	2,225		$	1,846		$	1,310		$	1,019
Consumer Non-Accrual Basis Loans	12,892			13,535			15,768			16,146			13,587			11,839			10,505			8,969			7,485			6,541			6,243			6,189
Non-Accrual Loans (NAL)	22,160			22,851			27,177			26,387			23,544			20,302			17,491			14,498			9,710			8,387			7,553			7,208
OREO	854			664			585			615			632			800			855			863			787			608			534			480
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	23,014		$	23,515		$	27,762		$	27,002		$	24,176		$	21,102		$	18,346		$	15,361		$	10,497		$	8,995		$	8,087		$	7,688

NAA as a % of Total Assets	4.02		%	4.24		%	5.27		%	5.90		%	5.28		%	5.02		%	4.87		%	4.91		%	3.56		%	3.39		%	3.27		%	3.42		%

Allowance for Loan Losses as a % of NAL	88		%	104		%	87		%	90		%	101		%	110		%	117		%	126		%	165		%	180		%	191		%	186		%

N/A Not Available at the Citi Holdings level. See Non-Accrual Assets - Page 1 (on page 41) for Total Citigroup balances.

(2) Excludes SOP 3-03 purchased distressed loans.

(3) Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral.

(4) Primarily transportation equipment, carried at lower of cost or fair value, less costs to sell.

(5) There is no industry-wide definition of non-accrual assets. As such, analysis against the industry is not always comparable.

Reclassified to conform to the current periods presentation.

CITIGROUP

NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS

(In millions of dollars)

Tangible Book Value Per Share and Tangible Common Equity (TCE) (and related ratio) are non-GAAP financial measures. TCE, as defined by Citigroup, represents Common equity less Goodwill and Intangible assets (excluding MSRs) net of the related deferred taxes. Other companies may calculate TCE in a manner different from Citigroup. A reconciliation of Citigroups total stockholders equity to TCE and Tangible Book Value per Share follows:

	1Q			2Q			3Q			4Q		1Q		2Q		3Q		4Q		1Q		2Q		3Q		4Q
	2009			2009			2009			2009		2010		2010		2010		2010		2011		2011		2011		2011

Tangible Book Value Per Share (page 1):

Total Common Equity	$	69,688		$	78,001		$	140,530		$	152,388	$	151,109	$	154,494	$	162,601	$	163,156	$	170,725	$	176,052	$	177,060	$	177,494
Less:
Goodwill - as reported	26,410			25,578			25,423			25,392		25,662		25,201		25,797		26,152		26,339		26,621		25,496		25,413
Intangible Assets (Other than MSRs) - as reported	13,612			10,098			8,957			8,714		8,277		7,868		7,705		7,504		7,280		7,136		6,800		6,600

Goodwill and Intangible Assets - recorded as Assets of Discontinued Operations Held For Sale				3,618			3,856													165

Goodwill and Intangible Assets - recorded as Assets Held for Sale							1,377					45		66

Net Deferred Taxes - Related to Goodwill and Intangible Assets	(1,254		)	(1,296		)	(1,381		)	68		65		62		59		56		53		50		47		44
Tangible Common Equity	$	30,920		$	40,003		$	102,298		$	118,214	$	117,060	$	121,297	$	129,040	$	129,444	$	136,888	$	142,245	$	144,717	$	145,437
Common Shares Outstanding, at period end	551.3			550.8			2,286.4			2,848.3		2,862.0		2,897.5		2,905.0		2,905.8		2,920.6		2,917.9		2,923.7		2,923.9
Tangible Book Value Per Share	$	56.09		$	72.63		$	44.74		$	41.50	$	40.90	$	41.86	$	44.42	$	44.55	$	46.87	$	48.75	$	49.50	$	49.74

Reclassified to conform to the current periods presentation.

CITIGROUP

NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS - PAGE 2

(In millions of dollars)

Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. The 2009 disclosures reflect the impact from credit card securitizations only.

The following tables present a reconciliation of Citigroup's managed presentations within this Financial Data Supplement to their most comparable GAAP measure.

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011

For Page 1 - Citigroup Summary:

Total Citigroup - Managed Net Revenues	$	26,973		$	33,095		$	23,142		$	7,882		$	25,421		$	22,071		$	20,738		$	18,371		$	19,726		$	20,622		$	20,831		$	17,174
Impact of Credit Card Securitization Activity:	(2,452		)	(3,126		)	(2,752		)	(2,477		)

Total Citigroup - Net Revenues	$	24,521		$	29,969		$	20,390		$	5,405		$	25,421		$	22,071		$	20,738		$	18,371		$	19,726		$	20,622		$	20,831		$	17,174

Total Citigroup - Managed Net Credit Losses	$	9,830		$	11,470		$	10,982		$	9,980		$	8,384		$	7,962		$	7,659		$	6,854		$	6,269		$	5,147		$	4,514		$	4,108
Impact of Credit Card Securitization Activity:	(2,548		)	(3,115		)	(3,013		)	(2,845		)

Total Citigroup - Net Credit Losses	$	7,282		$	8,355		$	7,969		$	7,135		$	8,384		$	7,962		$	7,659		$	6,854		$	6,269		$	5,147		$	4,514		$	4,108

For Page 8 - Citicorp Global Consumer Banking (page 2):
Cards Key Indicators

Average Managed Loans - as disclosed	$	165.1		$	163.3		$	164.9		$	165.8		$	157.3		$	151.2		$	151.2		$	151.9		$	150.3		$	148.4		$	148.5		$	148.4
Impact from Credit Card Securitizations	(104.6		)	(108.1		)	(108.3		)	(105.9		)
Average Loans	$	60.5		$	55.2		$	56.6		$	59.9		$	157.3		$	151.2		$	151.2		$	151.9		$	150.3		$	148.4		$	148.5		$	148.4

EOP Managed Loans - as disclosed	$	161.6		$	165.4		$	167.3		$	168.3		$	153.8		$	151.8		$	152.5		$	156.9		$	147.5		$	150.5		$	147.5		$	153.4
Impact from Credit Card Securitizations	(108.3		)	(111.0		)	(109.8		)	(112.9		)
EOP Loans	$	53.3		$	54.4		$	57.5		$	55.4		$	153.8		$	151.8		$	152.5		$	156.9		$	147.5		$	150.5		$	147.5		$	153.4

Managed Average Yield - as disclosed	15.51		%	16.05		%	15.87		%	15.52		%	15.76		%	15.31		%	14.84		%	14.50		%	14.49		%	14.28		%	14.18		%	14.00		%
Impact from Credit Card Securitizations	(1.95		)%	(1.56		)%	(1.44		)%	(1.81		)%
Average Yield	13.56		%	14.49		%	14.43		%	13.71		%	15.76		%	15.31		%	14.84		%	14.50		%	14.49		%	14.28		%	14.18		%	14.00		%

Managed Net Int Rev as a % of Avg. Managed Loans - as disclosed	13.26		%	13.53		%	13.47		%	12.94		%	13.15		%	13.00		%	12.64		%	12.52		%	12.65		%	12.72		%	12.80		%	12.61		%
Impact from Credit Card Securitizations	0.34		%	1.60		%	2.03		%	1.50		%
Net Interest Revenue as a % of Avg. Loans	13.60		%	15.13		%	15.50		%	14.44		%	13.15		%	13.00		%	12.64		%	12.52		%	12.65		%	12.72		%	12.80		%	12.61		%

Managed Net Credit Losses as a % of Avg. Managed Loans - as disclosed	9.34		%	10.87		%	10.55		%	10.00		%	10.84		%	10.53		%	9.37		%	8.62		%	7.44		%	6.84		%	6.00		%	5.65		%
Impact from Credit Card Securitizations	(0.93		)%	(1.35		)%	(0.93		)%	(1.17		)%
Net Credit Losses as a % of Avg. Loans	8.41		%	9.52		%	9.62		%	8.83		%	10.84		%	10.53		%	9.37		%	8.62		%	7.44		%	6.84		%	6.00		%	5.65		%

Managed Net Credit Margin as a % of Avg. Managed Loans - as disclosed	6.27		%	3.40		%	4.92		%	5.44		%	4.88		%	5.01		%	5.96		%	6.11		%	7.67		%	8.39		%	9.42		%	9.65		%
Impact from Credit Card Securitizations	10.82		%	6.64		%	9.40		%	9.59		%
Net Credit Margin as a % of Avg. Loans	17.09		%	10.04		%	14.32		%	15.03		%	4.88		%	5.01		%	5.96		%	6.11		%	7.67		%	8.39		%	9.42		%	9.65		%

Managed Loans 90+ Days Past Due - as disclosed	$	5,795		$	5,835		$	5,550		$	5,732		$	5,039		$	4,477		$	4,040		$	3,692		$	3,285		$	2,893		$	2,622		$	2,637
Impact from Credit Card Securitizations	(3,672		)	(3,624		)	(3,476		)	(3,791		)
Loans 90+ Days Past Due	$	2,123		$	2,211		$	2,074		$	1,941		$	5,039		$	4,477		$	4,040		$	3,692		$	3,285		$	2,893		$	2,622		$	2,637

Managed Loans 90+ Days Past Due as a % of EOP Managed Loans - as disclosed	3.59		%	3.53		%	3.32		%	3.41		%	3.28		%	2.95		%	2.65		%	2.35		%	2.23		%	1.92		%	1.78		%	1.72		%
Impact from Credit Card Securitizations	0.39		%	0.53		%	0.29		%	0.09		%
Loans 90+ Days Past Due as a % of EOP Loans	3.98		%	4.06		%	3.61		%	3.50		%	3.28		%	2.95		%	2.65		%	2.35		%	2.23		%	1.92		%	1.78		%	1.72		%

Managed Loans 30-89 Days Past Due - as disclosed	$	6,184		$	5,814		$	6,050		$	5,709		$	4,940		$	4,392		$	4,160		$	3,866		$	3,502		$	3,205		$	3,072		$	3,032
Impact from Credit Card Securitizations	(3,666		)	(3,047		)	(3,690		)	(3,556		)
Loans 30-89 Days Past Due	$	2,518		$	2,407		$	2,360		$	2,153		$	4,940		$	4,392		$	4,160		$	3,866		$	3,502		$	3,205		$	3,072		$	3,032

Managed Loans 30-89 Days Past Due as a % of EOP Managed Loans - as disclosed	3.83		%	3.52		%	3.62		%	3.39		%	3.21		%	2.89		%	2.73		%	2.46		%	2.37		%	2.13		%	2.08		%	1.98		%
Impact from Credit Card Securitizations	0.89		%	0.90		%	0.48		%	0.50		%
Loans 30-89 Days Past Due as a % of EOP Loans	4.72		%	4.42		%	4.10		%	3.89		%	3.21		%	2.89		%	2.73		%	2.46		%	2.37		%	2.13		%	2.08		%	1.98		%

Reclassified to conform to the current periods presentation.

CITIGROUP

NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS - PAGE 3

(In millions of dollars)

Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. The 2009 disclosures reflect the impact from credit card securitizations only.

The following tables present a reconciliation of Citigroups managed presentations within this Financial Data Supplement to their most comparable GAAP measure.

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011

For Page 11 - Citicorp Regional Consumer Banking - North America (page 3):
Citi-Branded Cards Key Indicators

EOP Managed Loans - as disclosed	$	83.1		$	84.7		$	86.0		$	85.4		$	79.0		$	78.5		$	77.9		$	78.8		$	74.5		$	75.0		$	75.1		$	77.2
Impact from Credit Card Securitizations	(69.2		)	(71.7		)	(71.8		)	(72.6		)
EOP Loans	$	13.9		$	13.0		$	14.2		$	12.8		$	79.0		$	78.5		$	77.9		$	78.8		$	74.5		$	75.0		$	75.1		$	77.2

Managed Average Yield - as disclosed	12.48		%	12.35		%	12.33		%	11.86		%	13.01		%	12.25		%	11.64		%	11.30		%	11.09		%	10.44		%	10.29		%	10.07		%
Impact from Credit Card Securitizations	(3.44		)%	(3.19		)%	(3.50		)%	(5.30		)%
Average Yield	9.04		%	9.16		%	8.83		%	6.56		%	13.01		%	12.25		%	11.64		%	11.30		%	11.09		%	10.44		%	10.29		%	10.07		%

Managed Net Interest Revenue as a % of Avg. Managed Loans - as disclosed	10.83		%	10.29		%	9.93		%	9.38		%	10.78		%	10.25		%	10.09		%	10.13		%	9.88		%	9.56		%	9.44		%	9.23		%
Impact from Credit Card Securitizations	(0.26		)%	3.74		%	3.43		%	2.35		%
Net Interest Revenue as a % of Avg. Loans	10.57		%	14.03		%	13.36		%	11.73		%	10.78		%	10.25		%	10.09		%	10.13		%	9.88		%	9.56		%	9.44		%	9.23		%

Managed Net Credit Losses	$	1,692		$	2,056		$	2,077		$	1,947		$	2,084		$	2,048		$	1,880		$	1,671		$	1,352		$	1,231		$	1,099		$	986
Impact from Credit Card Securitizations	(1,491		)	(1,837		)	(1,876		)	(1,727		)
Net Credit Losses	$	201		$	219		$	201		$	220		$	2,084		$	2,048		$	1,880		$	1,671		$	1,352		$	1,231		$	1,099		$	986

Managed Net Credit Losses as a % of Avg. Managed Loans - as disclosed	8.14		%	9.92		%	9.82		%	9.16		%	10.50		%	10.61		%	9.65		%	8.67		%	7.30		%	6.71		%	5.89		%	5.26		%
Impact from Credit Card Securitizations	(3.00		)%	(3.42		)%	(3.73		)%	(3.19		)%
Net Credit Losses as a % of Avg. Loans	5.14		%	6.50		%	6.09		%	5.97		%	10.50		%	10.61		%	9.65		%	8.67		%	7.30		%	6.71		%	5.89		%	5.26		%

Managed Net Credit Margin as a % of Avg. Managed Loans - as disclosed	5.05		%	3.05		%	2.50		%	2.23		%	2.44		%	1.94		%	2.77		%	3.05		%	4.57		%	5.11		%	5.82		%	6.24		%
Impact from Credit Card Securitizations	21.74		%	15.68		%	13.50		%	10.62		%
Net Credit Margin as a % of Avg. Loans	26.79		%	18.73		%	16.00		%	12.85		%	2.44		%	1.94		%	2.77		%	3.05		%	4.57		%	5.11		%	5.82		%	6.24		%

Managed Loans 90+ Days Past Due - as disclosed	$	2,307		$	2,366		$	2,190		$	2,372		$	2,304		$	2,130		$	1,807		$	1,597		$	1,435		$	1,214		$	1,063		$	1,016
Impact from Credit Card Securitizations	(2,008		)	(2,109		)	(1,940		)	(2,121		)
Loans 90+ Days Past Due	$	299		$	257		$	250		$	251		$	2,304		$	2,130		$	1,807		$	1,597		$	1,435		$	1,214		$	1,063		$	1,016

Managed Loans 90+ Days Past Due as a % of EOP Managed Loans - as disclosed	2.78		%	2.79		%	2.55		%	2.78		%	2.92		%	2.71		%	2.32		%	2.03		%	1.93		%	1.62		%	1.42		%	1.32		%
Impact from Credit Card Securitizations	(0.63		)%	(0.81		)%	(0.79		)%	(0.82		)%
Loans 90+ Days Past Due as a % of EOP Loans	2.15		%	1.98		%	1.76		%	1.96		%	2.92		%	2.71		%	2.32		%	2.03		%	1.93		%	1.62		%	1.42		%	1.32		%

Managed Loans 30-89 Days Past Due - as disclosed	$	2,337		$	2,024		$	2,214		$	2,182		$	2,144		$	1,828		$	1,687		$	1,540		$	1,335		$	1,142		$	1,106		$	1,078
Impact from Credit Card Securitizations	(2,041		)	(1,784		)	(1,958		)	(1,914		)
Loans 30-89 Days Past Due	$	296		$	240		$	256		$	268		$	2,144		$	1,828		$	1,687		$	1,540		$	1,335		$	1,142		$	1,106		$	1,078

Managed Loans 30-89 Days Past Due as a % of EOP Managed Loans - as disclosed	2.81		%	2.39		%	2.57		%	2.56		%	2.71		%	2.33		%	2.17		%	1.95		%	1.79		%	1.52		%	1.47		%	1.40		%
Impact from Credit Card Securitizations	(0.68		)%	(0.54		)%	(0.77		)%	(0.47		)%
Loans 30-89 Days Past Due as a % of EOP Loans	2.13		%	1.85		%	1.80		%	2.09		%	2.71		%	2.33		%	2.17		%	1.95		%	1.79		%	1.52		%	1.47		%	1.40		%

Reclassified to conform to the current periods presentation.

CITIGROUP

NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS - PAGE 4

(In millions of dollars)

Citigroup adopted SFAS 166/167 effective January 1, 2010. As a result, reported and managed basis presentations are equivalent for periods beginning January 1, 2010. See page 1 for additional information. The 2009 disclosures reflect the impact from credit card securitizations only.

The following tables present a reconciliation of Citigroups managed presentations within this Financial Data Supplement to their most comparable GAAP measure.

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2009			2009			2009			2009			2010			2010			2010			2010			2011			2011			2011			2011

For Page 11 - Citicorp Regional Consumer Banking - North America (page 3):
Citi Retail Services Key Indicators

EOP Managed Loans - as disclosed	$	49.7		$	49.7		$	49.5		$	50.2		$	42.9		$	41.7		$	40.8		$	42.2		$	37.4		$	38.3		$	37.9		$	39.9
Impact from Credit Card Securitizations	(39.1		)	(39.3		)	(38.0		)	(40.3		)
EOP Loans	$	10.6		$	10.4		$	11.5		$	9.9		$	42.9		$	41.7		$	40.8		$	42.2		$	37.4		$	38.3		$	37.9		$	39.9

Managed Average Yield - as disclosed	17.73		%	20.07		%	19.78		%	19.54		%	18.57		%	18.66		%	18.37		%	17.84		%	18.17		%	18.23		%	18.38		%	18.02		%
Impact from Credit Card Securitizations	(10.85		)%	(10.86		)%	(9.11		)%	(8.54		)%
Average Yield	6.88		%	9.21		%	10.67		%	11.00		%	18.57		%	18.66		%	18.37		%	17.84		%	18.17		%	18.23		%	18.38		%	18.02		%

Managed Net Interest Revenue - as disclosed	$	2,005		$	2,174		$	2,273		$	2,180		$	1,721		$	1,672		$	1,614		$	1,517		$	1,544		$	1,564		$	1,650		$	1,638
Impact from Credit Card Securitizations	(1,393		)	(1,455		)	(1,431		)	(1,420		)
Net Interest Revenue	$	612		$	719		$	842		$	760		$	1,721		$	1,672		$	1,614		$	1,517		$	1,544		$	1,564		$	1,650		$	1,638

Managed Net Int Rev as a % of Avg. Managed Loans - as disclosed	14.70		%	15.05		%	15.81		%	15.64		%	15.51		%	15.93		%	15.62		%	14.75		%	15.81		%	16.47		%	17.18		%	16.97		%
Impact from Credit Card Securitizations	(2.14		)%	(0.37		)%	2.06		%	0.19		%
Net Interest Revenue as a % of Avg. Loans	12.56		%	14.68		%	17.87		%	15.83		%	15.51		%	15.93		%	15.62		%	14.75		%	15.81		%	16.47		%	17.18		%	16.97		%

Managed Net Credit Losses - as disclosed	$	1,477		$	1,610		$	1,462		$	1,475		$	1,457		$	1,352		$	1,178		$	1,121		$	932		$	826		$	690		$	683
Impact from Credit Card Securitizations	(1,057		)	(1,278		)	(1,137		)	(1,118		)
Net Credit Losses	$	420		$	332		$	325		$	357		$	1,457		$	1,352		$	1,178		$	1,121		$	932		$	826		$	690		$	683

Managed Net Credit Losses as a % of Avg. Managed Loans - as disclosed	11.61		%	13.02		%	11.69		%	11.89		%	13.13		%	12.88		%	11.40		%	10.90		%	9.54		%	8.70		%	7.19		%	7.08		%
Impact from Credit Card Securitizations	(0.56		)%	(1.02		)%	(1.02		)%	(0.99		)%

Net Credit Losses as a % of Avg. Loans	11.05		%	12.00		%	10.67		%	10.90		%	13.13		%	12.88		%	11.40		%	10.90		%	9.54		%	8.70		%	7.19		%	7.08		%

Managed Net Credit Margin - as disclosed	$	529		$	(91	)	$	695		$	830		$	338		$	355		$	475		$	420		$	608		$	689		$	925		$	923
Impact from Credit Card Securitizations	89			(204		)	185			385
Net Credit Margin	$	618		$	(295	)	$	880		$	1,215		$	338		$	355		$	475		$	420		$	608		$	689		$	925		$	923

Managed Net Credit Margin as a % of Avg. Managed Loans - as disclosed	4.16		%	(0.74		)%	5.56		%	6.69		%	3.05		%	3.38		%	4.60		%	4.08		%	6.23		%	7.25		%	9.63		%	9.56		%
Impact from Credit Card Securitizations	9.76		%	(2.55		)%	17.23		%	18.64		%
Net Credit Margin as a % of Avg. Loans	13.92		%	(3.29		)%	22.79		%	25.33		%	3.05		%	3.38		%	4.60		%	4.08		%	6.23		%	7.25		%	9.63		%	9.56		%

Managed Loans 90+ Days Past Due - as disclosed	$	2,550		$	2,313		$	2,334		$	2,435		$	1,883		$	1,549		$	1,450		$	1,351		$	1,110		$	913		$	902		$	951
Impact from Credit Card Securitizations	(1,664		)	(1,515		)	(1,536		)	(1,670		)
Loans 90+ Days Past Due	$	886		$	798		$	798		$	765		$	1,883		$	1,549		$	1,450		$	1,351		$	1,110		$	913		$	902		$	951

Managed Loans 90+ Days Past Due as a % of EOP Managed Loans - as disclosed	5.13		%	4.65		%	4.72		%	4.85		%	4.39		%	3.71		%	3.55		%	3.20		%	2.97		%	2.38		%	2.38		%	2.38		%
Impact from Credit Card Securitizations	3.23		%	3.02		%	2.22		%	2.88		%
Loans 90+ Days Past Due as a % of EOP Loans	8.36		%	7.67		%	6.94		%	7.73		%	4.39		%	3.71		%	3.55		%	3.20		%	2.97		%	2.38		%	2.38		%	2.38		%

Managed Loans 30-89 Days Past Due - as disclosed	$	2,641		$	2,570		$	2,709		$	2,479		$	1,844		$	1,665		$	1,617		$	1,458		$	1,277		$	1,171		$	1,205		$	1,175
Impact from Credit Card Securitizations	(1,625		)	(1,623		)	(1,732		)	(1,642		)
Loans 30-89 Days Past Due	$	1,016		$	947		$	977		$	837		$	1,844		$	1,665		$	1,617		$	1,458		$	1,277		$	1,171		$	1,205		$	1,175

Managed Loans 30-89 Days Past Due as a % of EOP Managed Loans - as disclosed	5.31		%	5.17		%	5.47		%	4.94		%	4.30		%	3.99		%	3.96		%	3.45		%	3.41		%	3.06		%	3.18		%	2.94		%
Impact from Credit Card Securitizations	4.27		%	3.94		%	3.03		%	3.51		%
Loans 30-89 Days Past Due as a % of EOP Loans	9.58		%	9.11		%	8.50		%	8.45		%	4.30		%	3.99		%	3.96		%	3.45		%	3.41		%	3.06		%	3.18		%	2.94		%

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