Citigroup Inc 8-K 2013-06-28

Exhibit 99.1

CITIGROUP - QUARTERLY FINANCIAL DATA SUPPLEMENT

1Q13 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

Corporate / Other		21

Regional Totals
North America		22
EMEA		23
Latin America		24
Asia		25

Citi Holdings
Income Statement and Balance Sheet Data		26
Brokerage and Asset Management		27
Local Consumer Lending		28 - 30
Special Asset Pool		31

Citigroup Supplemental Detail
Average Balances and Interest Rates		32
Deposits		33
Loans
Citicorp		34
Citi Holdings / Total Citigroup		35
Consumer Loan Delinquency Amounts and Ratios
90+ Days		36
30-89 Days		37
Allowance for Credit Losses
Total Citigroup		38
Consumer and Corporate		39 - 40
Components of Provision for Loan Losses
Citicorp		41
Citi Holdings / Total Citigroup		42
Non-Accrual Assets
Total Citigroup		43
Citicorp		44
Citi Holdings		45

Reconciliation of Non-GAAP Financial Measures		46

CITIGROUP FINANCIAL SUMMARY

(In millions of dollars, except per share amounts, and as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Total Revenues, Net of Interest Expense	$	25,241		$	21,880		$	20,522		$	18,133		$	19,490		$	20,372		$	20,551		$	16,918		$	19,121		$	18,387		$	13,703		$	17,917		$	20,227		$	85,776		$	77,331		$	69,128
Total Operating Expenses	11,398			11,747			11,381			12,325			12,155			12,758			12,284			13,053			12,179			11,994			12,092			13,709			12,267			46,851			50,250			49,974
Net Credit Losses	8,322			7,908			7,600			6,793			6,195			5,049			4,420			4,023			3,858			3,491			3,897			2,985			2,878			30,623			19,687			14,231
Credit Reserve Build / (Release)	(25		)	(1,439		)	(1,971		)	(2,227		)	(3,382		)	(1,980		)	(1,484		)	(1,505		)	(1,149		)	(1,016		)	(1,461		)	(147		)	(664		)	(5,662		)	(8,351		)	(3,773		)
Provision for Unfunded Lending Commitments	(35		)	(71		)	26			(37		)	25			(13		)	43			(4		)	(38		)	7			(41		)	56			14			(117		)	51			(16		)
Provision for Benefits & Claims	287			213			227			238			260			219			259			234			229			214			225			219			231			965			972			887
Provision for Credit Losses and for Benefits and Claims	8,549			6,611			5,882			4,767			3,098			3,275			3,238			2,748			2,900			2,696			2,620			3,113			2,459			25,809			12,359			11,329
Income from Continuing Operations before Income Taxes	5,294			3,522			3,259			1,041			4,237			4,339			5,029			1,117			4,042			3,697			(1,009		)	1,095			5,501			13,116			14,722			7,825
Income Taxes (benefits)	1,041			807			686			(317		)	1,198			986			1,286			105			997			718			(1,494		)	(214		)	1,570			2,217			3,575			7
Income from Continuing Operations	$	4,253		$	2,715		$	2,573		$	1,358		$	3,039		$	3,353		$	3,743		$	1,012		$	3,045		$	2,979		$	485		$	1,309		$	3,931		$	10,899		$	11,147		$	7,818
Income (Loss) from Discontinued Operations, net of Taxes	207			10			(346		)	113			32			50						(14		)	12			7			8			(85		)	(33		)	(16		)	68			(58		)
Net Income before Noncontrolling Interests	4,460			2,725			2,227			1,471			3,071			3,403			3,743			998			3,057			2,986			493			1,224			3,898			10,883			11,215			7,760
Net Income Attributable to Noncontrolling Interests	32			28			59			162			72			62			(28		)	42			126			40			25			28			90			281			148			219
Citigroups Net Income	$	4,428		$	2,697		$	2,168		$	1,309		$	2,999		$	3,341		$	3,771		$	956		$	2,931		$	2,946		$	468		$	1,196		$	3,808		$	10,602		$	11,067		$	7,541

Diluted Earnings Per Share:
Income from Continuing Operations	$	1.43		$	0.89		$	0.82		$	0.40		$	0.98		$	1.08		$	1.23		$	0.32		$	0.95		$	0.95		$	0.15		$	0.41		$	1.24		$	3.53		$	3.60		$	2.46
Citigroups Net Income	$	1.50		$	0.90		$	0.72		$	0.43		$	0.99		$	1.09		$	1.23		$	0.31		$	0.95		$	0.95		$	0.15		$	0.38		$	1.23		$	3.54		$	3.63		$	2.44

Shares (in millions) (1):
Average Basic	2,844.4			2,884.9			2,887.8			2,893.3			2,904.4			2,908.6			2,910.8			2,915.2			2,926.2			2,926.6			2,926.8			2,942.7			3,040.1			2,877.6			2,909.8			2,930.6
Average Diluted	2,933.4			2,975.3			2,977.8			2,984.8			2,996.6			2,997.0			2,998.6			3,003.0			3,014.5			3,015.0			3,015.3			3,017.0			3,044.7			2,967.8			2,998.8			3,015.5
Common Shares Outstanding, at period end	2,862.0			2,897.5			2,905.0			2,905.8			2,920.6			2,917.9			2,923.7			2,923.9			2,932.2			2,932.5			2,932.5			3,028.9			3,042.9			2,905.8			2,923.9			3,028.9

Preferred Dividends - Basic	$			$			$			$	9		$	4		$	9		$	4		$	9		$	4		$	9		$	4		$	9		$	4		$	9		$	26		$	26
Preferred Dividends - Diluted	$			$			$			$	9		$	4		$	9		$	4		$	9		$	4		$	9		$	4		$	9		$	4		$	9		$	26		$	26

Income Allocated to Unrestricted Common Shareholders - Basic
Income from Continuing Operations	$	4,194		$	2,661		$	2,440		$	1,179		$	2,928		$	3,221		$	3,697		$	943		$	2,861		$	2,861		$	445		$	1,243		$	3,764		$	10,471		$	10,789		$	7,406
Citigroups Net Income	$	4,400		$	2,671		$	2,148		$	1,288		$	2,960		$	3,270		$	3,697		$	930		$	2,873		$	2,868		$	453		$	1,160		$	3,732		$	10,503		$	10,855		$	7,349

Income Allocated to Unrestricted Common Shareholders - Diluted
Income from Continuing Operations	$	4,195		$	2,662		$	2,441		$	1,180		$	2,929		$	3,227		$	3,703		$	947		$	2,865		$	2,865		$	447		$	1,244		$	3,765		$	10,474		$	10,805		$	7,417
Citigroups Net Income	$	4,400		$	2,672		$	2,149		$	1,289		$	2,961		$	3,276		$	3,703		$	933		$	2,877		$	2,872		$	455		$	1,161		$	3,732		$	10,505		$	10,872		$	7,360

Financial Ratios (2):
Tier 1 Common Ratio	9.11		%	9.71		%	10.33		%	10.75		%	11.34		%	11.62		%	11.71		%	11.80		%	12.50		%	12.71		%	12.73		%	12.67		%	11.84		%	10.75		%	11.80		%	12.67		%
Tier 1 Capital Ratio	11.28		%	11.99		%	12.50		%	12.91		%	13.26		%	13.55		%	13.45		%	13.55		%	14.26		%	14.46		%	13.92		%	14.06		%	13.09		%	12.91		%	13.55		%	14.06		%
Total Capital Ratio	14.88		%	15.59		%	16.14		%	16.59		%	16.98		%	17.18		%	16.89		%	16.99		%	17.64		%	17.70		%	17.12		%	17.26		%	16.09		%	16.59		%	16.99		%	17.26		%
Leverage Ratio	6.16		%	6.31		%	6.57		%	6.60		%	7.00		%	7.05		%	7.01		%	7.19		%	7.55		%	7.66		%	7.39		%	7.48		%	7.78		%	6.60		%	7.19		%	7.48		%
Return on Average Assets	0.89		%	0.54		%	0.44		%	0.26		%	0.62		%	0.68		%	0.76		%	0.20		%	0.62		%	0.62		%	0.10		%	0.25		%	0.82		%	0.53		%	0.57		%	0.40		%
Efficiency Ratio	45		%	54		%	55		%	68		%	62		%	63		%	60		%	77		%	64		%	65		%	88		%	77		%	61		%	55		%	65		%	72		%
Return on Average Common Equity	12.0		%	7.0		%	5.4		%	3.2		%	7.3		%	7.7		%	8.4		%	2.1		%	6.5		%	6.5		%	1.0		%	2.5		%	8.2		%	6.8		%	6.3		%	4.1		%

Balance Sheet Data, EOP (in billions of dollars, except Book Value per Share):
Total Assets	$	2,002.2		$	1,937.7		$	1,983.3		$	1,913.9		$	1,947.8		$	1,956.6		$	1,936.0		$	1,873.9		$	1,944.4		$	1,916.5		$	1,931.3		$	1,864.7		$	1,881.7		$	1,913.9		$	1,873.9		$	1,864.7
Total Average Assets	2,013.1			2,017.1			1,979.1			1,982.2			1,953.8			1,982.3			1,963.7			1,910.7			1,911.8			1,916.1			1,909.4			1,905.4			1,886.8			1,997.9			1,952.6			1,910.7
Total Deposits	827.9			814.0			850.1			845.0			865.9			866.3			851.3			865.9			906.0			914.3			944.6			930.6			933.8			845.0			865.9			930.6
Citigroups Stockholders Equity	151.4			154.8			162.9			163.5			171.0			176.4			177.4			177.8			181.8			183.9			186.8			189.0			193.4			163.5			177.8			189.0
Book Value Per Share (3)	$	52.80		$	53.32		$	55.97		$	56.15		$	58.46		$	60.34		$	60.56		$	60.70		$	61.90		$	62.61		$	63.59		$	61.57		$	62.51		$	56.15		$	60.70		$	61.57
Tangible Book Value Per Share (3)	$	40.90		$	41.86		$	44.42		$	44.55		$	46.87		$	48.75		$	49.50		$	49.74		$	50.90		$	51.81		$	52.69		$	51.19		$	52.35		$	44.55		$	49.74		$	51.19

Direct Staff (in thousands)	263			259			258			260			260			263			267			266			263			261			262			259			257			260			266			259

(1)	Citis basic and end-of-period shares increased in the fourth quarter 2012 as compared to the third quarter 2012 due to the issuance of approximately 96 million shares of common stock during the quarter upon the automatic settlement of the T-DECS issued in December 2009, as previously announced.
(2)	First Quarter 2013 Basel I capital ratios reflect the final revised U.S. market risk capital rules (Basel II.5) that were effective beginning on January 1, 2013.
(3)	Citis book value and tangible book value per share each declined in the fourth quarter 2012 as compared to the third quarter 2012 due to the settlement of the T-DECS (see footnote 1 above). Tangible book value per share is a non-GAAP financial measure. See page 46 for a reconciliation of this 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			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Revenues
Interest revenue	$	20,659		$	20,188		$	19,123		$	18,626		$	17,968		$	18,378		$	17,925		$	17,587		$	17,294		$	16,686		$	16,737		$	16,581		$	15,960		$	78,596		$	71,858		$	67,298
Interest expense	6,370			6,427			6,162			6,098			6,032			6,415			6,030			5,732			5,578			5,343			5,026			4,665			4,330			25,057			24,209			20,612
Net interest revenue	14,289			13,761			12,961			12,528			11,936			11,963			11,895			11,855			11,716			11,343			11,711			11,916			11,630			53,539			47,649			46,686

Commissions and fees	3,608			3,187			3,204			3,492			3,322			3,507			2,982			2,854			3,087			3,032			3,258			3,355			3,479			13,491			12,665			12,732
Principal transactions	4,116			2,362			2,085			(1,046		)	3,167			2,616			2,103			(652		)	1,931			1,640			976			234			2,447			7,517			7,234			4,781
Administrative and other fiduciary fees	1,022			910			976			1,097			1,097			1,068			945			885			981			1,037			974			1,020			1,068			4,005			3,995			4,012
Realized gains (losses) on investments	538			523			962			388			580			583			765			69			1,925			273			615			438			450			2,411			1,997			3,251
Other-than-temporary impairment losses on investments and other assets (1)	(507		)	(454		)	(220		)	(230		)	(1,707		)	(171		)	(146		)	(230		)	(1,305		)	(128		)	(3,470		)	(68		)	(261		)	(1,411		)	(2,254		)	(4,971		)
Insurance premiums	734			618			637			625			650			662			636			613			612			601			597			585			590			2,614			2,561			2,395
Other revenue (2)	1,441			973			(83		)	1,279			445			144			1,371			1,524			174			589			(958		)	437			824			3,610			3,484			242
Total non-interest revenues	10,952			8,119			7,561			5,605			7,554			8,409			8,656			5,063			7,405			7,044			1,992			6,001			8,597			32,237			29,682			22,442
Total revenues, net of interest expense	25,241			21,880			20,522			18,133			19,490			20,372			20,551			16,918			19,121			18,387			13,703			17,917			20,227			85,776			77,331			69,128

Provisions for Credit Losses and for Benefits and Claims
Net credit losses	8,322			7,908			7,600			6,793			6,195			5,049			4,420			4,023			3,858			3,491			3,897			2,985			2,878			30,623			19,687			14,231
Credit reserve build / (release)	(25		)	(1,439		)	(1,971		)	(2,227		)	(3,382		)	(1,980		)	(1,484		)	(1,505		)	(1,149		)	(1,016		)	(1,461		)	(147		)	(664		)	(5,662		)	(8,351		)	(3,773		)
Provision for loan losses	8,297			6,469			5,629			4,566			2,813			3,069			2,936			2,518			2,709			2,475			2,436			2,838			2,214			24,961			11,336			10,458
Policyholder benefits and claims	287			213			227			238			260			219			259			234			229			214			225			219			231			965			972			887
Provision for unfunded lending commitments	(35		)	(71		)	26			(37		)	25			(13		)	43			(4		)	(38		)	7			(41		)	56			14			(117		)	51			(16		)
Total provisions for credit losses and for benefits and claims	8,549			6,611			5,882			4,767			3,098			3,275			3,238			2,748			2,900			2,696			2,620			3,113			2,459			25,809			12,359			11,329

Operating Expenses
Compensation and benefits	6,153			5,951			6,108			6,183			6,400			6,660			6,214			6,376			6,376			6,117			6,125			6,552			6,341			24,395			25,650			25,170
Premises and Equipment	827			821			835			836			821			828			856			805			795			803			843			827			846			3,319			3,310			3,268
Technology / communication expense	1,198			1,194			1,253			1,270			1,215			1,275			1,306			1,338			1,382			1,479			1,459			1,582			1,546			4,915			5,134			5,902
Advertising and marketing expense	287			351			438			497			376			603			617			673			489			576			592			515			449			1,573			2,269			2,172
Other operating	2,933			3,430			2,747			3,539			3,343			3,392			3,291			3,861			3,137			3,019			3,073			4,233			3,085			12,649			13,887			13,462
Total operating expenses	11,398			11,747			11,381			12,325			12,155			12,758			12,284			13,053			12,179			11,994			12,092			13,709			12,267			46,851			50,250			49,974

Income from Continuing Operations before Income Taxes	5,294			3,522			3,259			1,041			4,237			4,339			5,029			1,117			4,042			3,697			(1,009		)	1,095			5,501			13,116			14,722			7,825
Provision (benefits) for income taxes	1,041			807			686			(317		)	1,198			986			1,286			105			997			718			(1,494		)	(214		)	1,570			2,217			3,575			7

Income from Continuing Operations	4,253			2,715			2,573			1,358			3,039			3,353			3,743			1,012			3,045			2,979			485			1,309			3,931			10,899			11,147			7,818

Discontinued Operations (3)
Income (Loss) from Discontinued Operations	(14		)	14			48			92			40			(57		)	(14		)	(44		)	23			5			(1		)	(136		)	(103		)	140			(75		)	(109		)
Gain (Loss) on Sale	94						(784		)	(12		)	4			126			16			9			(1		)										56			(702		)	155			(1		)
Provision (benefits) for income taxes	(127		)	4			(390		)	(33		)	12			19			2			(21		)	10			(2		)	(9		)	(51		)	(14		)	(546		)	12			(52		)
Income (Loss) from Discontinued Operations, net of taxes	207			10			(346		)	113			32			50						(14		)	12			7			8			(85		)	(33		)	(16		)	68			(58		)

Net Income before Noncontrolling Interests	4,460			2,725			2,227			1,471			3,071			3,403			3,743			998			3,057			2,986			493			1,224			3,898			10,883			11,215			7,760

Net Income attributable to noncontrolling interests	32			28			59			162			72			62			(28		)	42			126			40			25			28			90			281			148			219
Citigroups Net Income	$	4,428		$	2,697		$	2,168		$	1,309		$	2,999		$	3,341		$	3,771		$	956		$	2,931		$	2,946		$	468		$	1,196		$	3,808		$	10,602		$	11,067		$	7,541

(1)	First quarter of 2012 includes the recognition of a $1,181 million impairment charge related to the carrying value of Citis investment in Akbank T.A.S. Third quarter of 2012 includes the recognition of a $3,340 million impairment charge related to the carrying value of Citis remaining 35% investment in the Morgan Stanley Smith Barney joint venture (MSSB JV).
(2)	Third quarter of 2012 also includes a non-cash charge of $1,344 million, representing a loss on Citis sale of the 14% interest in the MSSB JV to Morgan Stanley.
(3)	Discontinued operations primarily reflect the following:
	a)	In the third quarter of 2012, Citi executed definitive agreements to transition a carve-out of its liquid strategies business within Citi Capital Advisors to certain employees responsible for managing those operations.
	b)	In the fourth quarter of 2012, residual amounts related to the Egg Credit Card business and Citi Capital Advisors.
	c)	In the first quarter of 2013, residual amounts related to Citi Capital Advisors and the Egg Credit Card business.
	d)	In the second quarter of 2013, Citi executed a definitive agreement to sell its Brazilian Credicard business. All historical periods have been reclassified to reflect the Brazil Credicard business as discontinued operations.

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,			March 31,
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013
Assets
Cash and due from banks (including segregated cash and other deposits)	$	25,678		$	24,709		$	26,342		$	27,972		$	27,842		$	27,766		$	28,950		$	28,701		$	26,505		$	33,927		$	33,802		$	36,453		$	31,150
Deposits with banks	163,525			160,780			150,071			162,437			163,603			156,181			159,338			155,784			183,949			155,054			170,028			102,134			143,227
Fed funds sold and securities borrd or purch under agree. to resell	234,348			230,784			240,057			246,717			261,120			283,976			290,645			275,849			289,057			272,664			277,542			261,311			270,426
Brokerage receivables	34,001			36,872			37,138			31,213			40,901			40,695			37,992			27,777			39,443			35,340			31,077			22,490			25,235
Trading account assets	345,783			309,412			337,098			317,272			323,110			322,349			320,637			291,734			307,050			310,246			315,201			320,929			308,321
Investments
Available-for-sale and non-marketable equity securities	270,385			285,783			310,143			289,057			311,773			294,664			273,791			281,930			287,197			294,577			284,531			302,196			294,803
Held-to-maturity	46,348			31,283			30,107			29,107			15,484			14,910			12,866			11,483			10,126			11,349			10,943			10,130			10,056
Total Investments	316,733			317,066			340,250			318,164			327,257			309,574			286,657			293,413			297,323			305,926			295,474			312,326			304,859
Loans, net of unearned income
Consumer	529,022			502,917			460,589			455,184			438,429			439,939			424,212			423,340			416,103			409,127			407,752			408,671			395,176
Corporate	192,782			189,249			193,722			193,610			198,707			207,561			213,027			223,902			231,919			245,841			250,671			246,793			251,188
Loans, net of unearned income	721,804			692,166			654,311			648,794			637,136			647,500			637,239			647,242			648,022			654,968			658,423			655,464			646,364
Allowance for loan losses	(48,746		)	(46,197		)	(43,674		)	(40,655		)	(36,568		)	(34,362		)	(32,052		)	(30,115		)	(29,020		)	(27,611		)	(25,916		)	(25,455		)	(23,727		)
Total loans, net	673,058			645,969			610,637			608,139			600,568			613,138			605,187			617,127			619,002			627,357			632,507			630,009			622,637
Goodwill	25,662			25,201			25,797			26,152			26,339			26,621			25,496			25,413			25,810			25,483			25,915			25,673			25,474
Intangible assets (other than MSRs)	8,277			7,868			7,705			7,504			7,280			7,136			6,800			6,600			6,413			6,156			5,963			5,697			5,457
Mortgage servicing rights (MSRs)	6,439			4,894			3,976			4,554			4,690			4,258			2,852			2,569			2,691			2,117			1,920			1,942			2,203
Other assets	168,709			174,101			172,800			163,778			162,433			164,932			171,438			148,911			147,180			142,181			141,873			145,660			142,736
Assets related to discontinued operations held for sale							31,409						2,672																		44			36			9
Total assets	$	2,002,213		$	1,937,656		$	1,983,280		$	1,913,902		$	1,947,815		$	1,956,626		$	1,935,992		$	1,873,878		$	1,944,423		$	1,916,451		$	1,931,346		$	1,864,660		$	1,881,734

Liabilities
Non-interest-bearing deposits in U.S. offices	$	66,796		$	59,225		$	64,442		$	78,268		$	81,839		$	86,631		$	103,129		$	119,437		$	122,305		$	120,324		$	133,981		$	129,657		$	124,487
Interest-bearing deposits in U.S. offices	230,919			241,820			237,626			225,731			222,613			220,436			218,595			223,851			228,357			233,696			239,574			247,716			260,221
Total U.S. Deposits	297,715			301,045			302,068			303,999			304,452			307,067			321,724			343,288			350,662			354,020			373,555			377,373			384,708
Non-interest-bearing deposits in offices outside the U.S.	45,471			46,322			52,080			55,066			61,851			61,898			58,564			57,357			60,691			59,745			63,792			65,024			65,542
Interest-bearing deposits in offices outside the U.S.	484,728			466,584			495,947			485,903			499,560			497,345			470,993			465,291			494,659			500,543			507,297			488,163			483,512
Total International Deposits	530,199			512,906			548,027			540,969			561,411			559,243			529,557			522,648			555,350			560,288			571,089			553,187			549,054

Total deposits	827,914			813,951			850,095			844,968			865,863			866,310			851,281			865,936			906,012			914,308			944,644			930,560			933,762
Fed funds purch and securities loaned or sold under agree. to repurch.	207,911			196,112			192,065			189,558			187,825			203,843			223,612			198,373			226,008			214,851			224,370			211,236			222,053
Brokerage payables	55,041			54,774			51,517			51,749			50,394			57,245			56,093			56,696			56,966			59,133			55,376			57,013			59,299
Trading account liabilities	142,748			131,001			142,005			129,054			146,346			152,307			148,851			126,082			135,956			128,818			129,990			115,549			120,226
Short-term borrowings	96,694			92,752			87,013			78,790			78,622			72,889			65,818			54,441			55,611			58,698			49,164			52,027			48,193
Long-term debt	439,274			413,297			387,330			381,183			376,541			352,458			333,824			323,505			311,079			288,334			271,862			239,463			234,326
Other liabilities (1)	78,852			78,439			78,198			72,811			68,792			72,929			77,171			69,272			69,068			66,470			67,202			67,815			68,536
Liabilities related to discontinued operations held for sale							29,874						39
Total liabilities	$	1,848,434		$	1,780,326		$	1,818,097		$	1,748,113		$	1,774,422		$	1,777,981		$	1,756,650		$	1,694,305		$	1,760,700		$	1,730,612		$	1,742,608		$	1,673,663		$	1,686,395

Equity
Stockholders equity
Preferred stock	$	312		$	312		$	312		$	312		$	312		$	312		$	312		$	312		$	312		$	312		$	312		$	2,562		$	3,137
Common stock	29			29			29			29			29			29			29			29			29			29			29			30			31
Additional paid-in capital	96,685			99,277			101,161			101,287			103,004			103,475			105,562			105,804			105,787			105,962			106,203			106,391			106,661
Retained earnings	73,432			76,130			78,260			79,559			82,554			85,857			89,602			90,520			93,310			96,216			96,650			97,809			101,580
Treasury stock	(1,178		)	(1,772		)	(1,540		)	(1,442		)	(878		)	(1,087		)	(1,089		)	(1,071		)	(883		)	(859		)	(851		)	(847		)	(991		)
Accumulated other comprehensive income (loss)	(17,859		)	(19,170		)	(15,309		)	(16,277		)	(13,984		)	(12,222		)	(17,044		)	(17,788		)	(16,735		)	(17,749		)	(15,566		)	(16,896		)	(17,059		)
Total common equity	$	151,109		$	154,494		$	162,601		$	163,156		$	170,725		$	176,052		$	177,060		$	177,494		$	181,508		$	183,599		$	186,465		$	186,487		$	190,222

Total Citigroup stockholders equity	$	151,421		$	154,806		$	162,913		$	163,468		$	171,037		$	176,364		$	177,372		$	177,806		$	181,820		$	183,911		$	186,777		$	189,049		$	193,359
Noncontrolling interests	2,358			2,524			2,270			2,321			2,356			2,281			1,970			1,767			1,903			1,928			1,961			1,948			1,980
Total equity	153,779			157,330			165,183			165,789			173,393			178,645			179,342			179,573			183,723			185,839			188,738			190,997			195,339
Total liabilities and equity	$	2,002,213		$	1,937,656		$	1,983,280		$	1,913,902		$	1,947,815		$	1,956,626		$	1,935,992		$	1,873,878		$	1,944,423		$	1,916,451		$	1,931,346		$	1,864,660		$	1,881,734

(1) Includes allowance for credit losses for letters of credit and unfunded lending commitments. See page 38 for amounts by period.

Reclassified to conform to the current periods presentation.

CITIGROUP

SEGMENT DETAIL

NET REVENUE

(In millions of dollars)


																																					Full			Full		Full
	1Q		2Q		3Q			4Q			1Q			2Q		3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year		Year
	2010		2010		2010			2010			2011			2011		2011			2011			2012			2012			2012			2012			2013			2010			2011		2012

CITICORP
Global Consumer Banking
North America	$	5,626	$	5,433	$	5,424		$	5,133		$	4,909		$	4,915	$	5,068		$	5,134		$	5,166		$	5,102		$	5,368		$	5,313		$	5,110		$	21,616		$	20,026	$		20,949
EMEA	413		377		350			389			414			403		371			341			369			358			374			384			368			1,529			1,529		1,485
Latin America	1,908		1,937		2,027			2,070			2,083			2,183		2,162			2,119			2,188			2,095			2,190			2,285			2,311			7,942			8,547		8,758
Asia	1,799		1,843		1,837			1,929			1,900			2,030		2,070			2,023			1,998			1,952			1,983			1,995			1,960			7,408			8,023		7,928
Total	9,746		9,590		9,638			9,521			9,306			9,531		9,671			9,617			9,721			9,507			9,915			9,977			9,749			38,495			38,125		39,120

Securities and Banking
North America	3,645		2,721		2,295			1,102			2,420			2,217		2,537			751			1,442			2,017			1,533			1,481			2,970			9,763			7,925		6,473
EMEA	2,522		1,768		1,740			838			2,066			1,647		2,304			1,224			1,959			1,612			1,517			1,349			1,873			6,868			7,241		6,437
Latin America	586		536		618			707			561			656		494			553			723			730			780			680			770			2,447			2,264		2,913
Asia	1,329		1,009		1,019			965			1,044			1,032		1,459			735			1,218			1,112			1,017			852			1,365			4,322			4,270		4,199
Total	8,082		6,034		5,672			3,612			6,091			5,552		6,794			3,263			5,342			5,471			4,847			4,362			6,978			23,400			21,700		20,022

Transaction Services
North America	639		633		619			587			608			607		619			603			639			663			619			633			626			2,478			2,437		2,554
EMEA	811		826		813			818			814			876		871			836			873			908			844			863			861			3,268			3,397		3,488
Latin America	344		360		386			410			410			432		436			406			442			446			442			440			447			1,500			1,684		1,770
Asia	617		659		692			722			693			725		753			742			751			750			714			681			672			2,690			2,913		2,896
Total	2,411		2,478		2,510			2,537			2,525			2,640		2,679			2,587			2,705			2,767			2,619			2,617			2,606			9,936			10,431		10,708

Corporate / Other	318		633		566			116			(92		)	231		270			353			471			(296		)	1			(106		)	(7		)	1,633			762		70

Total Citicorp	20,557		18,735		18,386			15,786			17,830			17,954		19,414			15,820			18,239			17,449			17,382			16,850			19,326			73,464			71,018		69,920

CITI HOLDINGS
Brokerage and Asset Management	340		140		(9		)	135			137			47		55			43			(48		)	87			(4,804		)	64			(17		)	606			282		(4,701			)
Local Consumer Lending	2,794		2,422		1,820			1,775			1,519			1,345		1,298			1,278			1,324			932			1,104			1,005			1,056			8,811			5,440		4,365
Special Asset Pool	1,550		583		325			437			4			1,026		(216		)	(223		)	(394		)	(81		)	21			(2		)	(138		)	2,895			591		(456			)
Total Citi Holdings	4,684		3,145		2,136			2,347			1,660			2,418		1,137			1,098			882			938			(3,679		)	1,067			901			12,312			6,313		(792			)

Total Citigroup - Net Revenues	$	25,241	21,880		20,522			18,133			$	19,490		20,372		20,551			16,918			19,121			18,387			13,703			17,917			20,227			85,776			77,331		69,128

Credit valuation adjustment (CVA) on derivatives (counterparty and own-credit, excluding monolines), net of hedges; and debt valuation adjustments (DVA) on Citigroups fair value option debt (1)	309		209		115			(1,102		)	(256		)	164		1,938			(40		)	(1,288		)	219			(776		)	(485		)	(319		)	(469		)	1,806		(2,330			)

Total Citigroup - Net Revenues - Excluding CVA/DVA (2)	$	24,932	$	21,671	$	20,407		$	19,235		$	19,746		$	20,208	$	18,613		$	16,958		$	20,409		$	18,168		$	14,479		$	18,402		$	20,546		$	86,245		$	75,525	$	71,458

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

(2) Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.

Reclassified to conform to the current periods presentation.

CITIGROUP

SEGMENT DETAIL

INCOME

(In millions of dollars)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012
Income from Continuing Operations:

CITICORP
Global Consumer Banking
North America	$	(135	)	$	68		$	477		$	481		$	917		$	1,089		$	1,083		$	922		$	1,297		$	1,174		$	1,277		$	980		$	1,113		$	891		$	4,011		$	4,728
EMEA	22			43			13			3			53			29			5			(8		)	(13		)	13			6			(43		)	7			81			79			(37		)
Latin America	380			466			516			432			493			430			353			397			375			335			374			384			380			1,794			1,673			1,468
Asia	560			554			492			503			452			479			561			411			501			449			450			396			417			2,109			1,903			1,796
Total	827			1,131			1,498			1,419			1,915			2,027			2,002			1,722			2,160			1,971			2,107			1,717			1,917			4,875			7,666			7,955

Securities and Banking
North America	1,506			880			492			(143		)	523			407			735			(381		)	187			549			292			222			1,152			2,735			1,284			1,250
EMEA	1,023			356			500			(67		)	766			342			736			161			514			365			348			133			445			1,812			2,005			1,360
Latin America	251			189			261			328			259			282			192			183			324			309			352			264			312			1,029			916			1,249
Asia	475			308			184			193			213			212			528			(49		)	311			252			193			78			446			1,160			904			834
Total	3,255			1,733			1,437			311			1,761			1,243			2,191			(86		)	1,336			1,475			1,185			697			2,355			6,736			5,109			4,693

Transaction Services
North America	151			147			116			74			105			128			110			65			126			122			120			98			129			488			408			466
EMEA	284			303			290			280			260			271			272			269			300			317			268			299			223			1,157			1,072			1,184
Latin America	152			154			170			172			168			156			164			135			174			181			154			133			164			648			623			642
Asia	315			292			313			314			279			285			312			272			297			269			280			262			254			1,234			1,148			1,108
Total	902			896			889			840			812			840			858			741			897			889			822			792			770			3,527			3,251			3,400

Corporate / Other	23			199			139			(202		)	(500		)	(154		)	(94		)	(60		)	(331		)	(447		)	(76		)	(848		)	(322		)	159			(808		)	(1,702		)

Total Citicorp	5,007			3,959			3,963			2,368			3,988			3,956			4,957			2,317			4,062			3,888			4,038			2,358			4,720			15,297			15,218			14,346

CITI HOLDINGS
Brokerage and Asset Management	76			(94		)	(154		)	(55		)	(10		)	(100		)	(83		)	(93		)	(137		)	(24		)	(3,018		)	(12		)	(79		)	(227		)	(286		)	(3,191		)
Local Consumer Lending	(1,715		)	(1,273		)	(1,160		)	(1,210		)	(1,008		)	(1,188		)	(1,011		)	(1,202		)	(633		)	(819		)	(692		)	(1,044		)	(293		)	(5,358		)	(4,409		)	(3,188		)
Special Asset Pool	885			123			(76		)	255			69			685			(120		)	(10		)	(247		)	(66		)	157			7			(417		)	1,187			624			(149		)
Total Citi Holdings	(754		)	(1,244		)	(1,390		)	(1,010		)	(949		)	(603		)	(1,214		)	(1,305		)	(1,017		)	(909		)	(3,553		)	(1,049		)	(789		)	(4,398		)	(4,071		)	(6,528		)

Income From Continuing Operations	4,253			2,715			2,573			1,358			3,039			3,353			3,743			1,012			3,045			2,979			485			1,309			3,931			10,899			11,147			7,818
Discontinued Operations	207			10			(346		)	113			32			50						(14		)	12			7			8			(85		)	(33		)	(16		)	68			(58		)

Net Income Attributable to Noncontrolling Interests	32			28			59			162			72			62			(28		)	42			126			40			25			28			90			281			148			219
Citigroups Net Income	$	4,428		$	2,697		$	2,168		$	1,309		$	2,999		$	3,341		$	3,771		$	956		$	2,931		$	2,946		$	468		$	1,196		$	3,808		$	10,602		$	11,067		$	7,541

Reclassified to conform to the current periods presentation.

CITICORP (1)

INCOME STATEMENT AND BALANCE SHEET DATA

(In millions of dollars, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012
Revenues
Net interest revenue	$	11,662		$	11,489		$	11,086		$	11,177		$	10,893		$	10,917		$	11,112		$	11,001		$	11,007		$	10,748		$	11,031		$	11,281		$	10,877		$	45,414		$	43,923		$	44,067
Non-interest revenue	8,895			7,246			7,300			4,609			6,937			7,037			8,302			4,819			7,232			6,701			6,351			5,569			8,449			28,050			27,095			25,853
Total revenues, net of interest expense	20,557			18,735			18,386			15,786			17,830			17,954			19,414			15,820			18,239			17,449			17,382			16,850			19,326			73,464			71,018			69,920

Provisions for Credit Losses and for Benefits and Claims
Net credit losses	4,538			4,263			4,140			3,724			3,177			2,884			2,539			2,511			2,124			2,162			2,090			2,013			1,948			16,665			11,111			8,389
Credit reserve build / (release)	(365		)	(838		)	(937		)	(1,028		)	(1,824		)	(1,405		)	(952		)	(893		)	(599		)	(766		)	(664		)	(193		)	(317		)	(3,168		)	(5,074		)	(2,222		)
Provision for loan losses	4,173			3,425			3,203			2,696			1,353			1,479			1,587			1,618			1,525			1,396			1,426			1,820			1,631			13,497			6,037			6,167
Provision for benefits & claims	53			37			43			51			56			36			55			46			58			49			65			64			63			184			193			236
Provision for unfunded lending commitments	(9		)	(26		)							4			(5		)	46			47			(12		)	26			(25		)	51			18			(35		)	92			40
Total provisions for credit losses and for benefits and claims	4,217			3,436			3,246			2,747			1,413			1,510			1,688			1,711			1,571			1,471			1,466			1,935			1,712			13,646			6,322			6,443

Total operating expenses	9,425			9,864			9,701			10,517			10,714			11,105			10,774			11,200			10,962			10,759			10,905			12,105			10,765			39,507			43,793			44,731

Income from Continuing Operations before Income Taxes	6,915			5,435			5,439			2,522			5,703			5,339			6,952			2,909			5,706			5,219			5,011			2,810			6,849			20,311			20,903			18,746
Provision for income taxes	1,908			1,476			1,476			154			1,715			1,383			1,995			592			1,644			1,331			973			452			2,129			5,014			5,685			4,400

Income from Continuing Operations	5,007			3,959			3,963			2,368			3,988			3,956			4,957			2,317			4,062			3,888			4,038			2,358			4,720			15,297			15,218			14,346

Income (loss) from Discontinued Operations, net of taxes	207			10			(346		)	113			32			50						(14		)	12			7			8			(85		)	(33		)	(16		)	68			(58		)

Noncontrolling interests	21			20			(21		)	54			11			12			(35		)	41			124			39			25			28			85			74			29			216
Citicorps Net Income	$	5,193		$	3,949		$	3,638		$	2,427		$	4,009		$	3,994		$	4,992		$	2,262		$	3,950		$	3,856		$	4,021		$	2,245		$	4,602		$	15,207		$	15,257		$	14,072

Balance Sheet Data (in billions of dollars):
Total EOP Assets	$	1,544		$	1,518		$	1,606		$	1,601		$	1,653		$	1,692		$	1,689		$	1,649		$	1,735		$	1,725		$	1,760		$	1,709		$	1,733		$	1,601		$	1,649		$	1,709
Average Assets	$	1,544		$	1,574		$	1,572		$	1,622		$	1,649		$	1,708		$	1,704		$	1,675		$	1,689		$	1,714		$	1,725		$	1,739		$	1,734		$	1,578		$	1,684		$	1,717
Return on Average Assets	1.37		%	1.01		%	0.92		%	0.60		%	0.99		%	0.94		%	1.17		%	0.54		%	0.94		%	0.91		%	0.93		%	0.51		%	1.08		%	0.97		%	0.91		%	0.82		%
Efficiency Ratio (Operating Expenses/Total Revenues, net)	46		%	53		%	53		%	67		%	60		%	62		%	55		%	71		%	60		%	62		%	63		%	72		%	56		%	54		%	62		%	64		%
Total EOP Loans	$	424		$	422		$	436		$	450		$	457		$	480		$	483		$	507		$	514		$	527		$	537		$	540		$	539		$	450		$	507		$	540
Total EOP Deposits	$	748		$	737		$	772		$	769		$	792		$	796		$	783		$	804		$	843		$	852		$	878		$	863		$	868		$	769		$	804		$	863

(1) Includes the results of operations of Corporate/Other for all periods presented.

Reclassified to conform to the current periods presentation.

CITICORP

GLOBAL CONSUMER BANKING

Page 1

(In millions of dollars, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Net Interest Revenue	$	7,518		$	7,307		$	7,160		$	7,229		$	7,160		$	7,221		$	7,321		$	7,228		$	7,164		$	7,010		$	7,204		$	7,308		$	7,171		$	29,214		$	28,930		$	28,686
Non-Interest Revenue	2,228			2,283			2,478			2,292			2,146			2,310			2,350			2,389			2,557			2,497			2,711			2,669			2,578			9,281			9,195			10,434
Total Revenues, Net of Interest Expense	9,746			9,590			9,638			9,521			9,306			9,531			9,671			9,617			9,721			9,507			9,915			9,977			9,749			38,495			38,125			39,120
Total Operating Expenses	4,509			4,499			4,516			4,861			4,928			5,186			5,213			5,426			5,080			5,183			5,271			5,782			5,209			18,385			20,753			21,316
Net Credit Losses	4,436			4,221			3,849			3,586			2,966			2,734			2,451			2,338			2,181			2,039			1,948			1,939			1,909			16,092			10,489			8,107
Credit Reserve Build / (Release)	(192		)	(606		)	(910		)	(836		)	(1,429		)	(1,349		)	(983		)	(754		)	(756		)	(753		)	(515		)	(152		)	(340		)	(2,544		)	(4,515		)	(2,176		)
Provision for Unfunded Lending Commitments	1			(4		)										3									(1		)				1						15			(3		)	3
Provision for Benefits & Claims	53			36			44			51			55			36			56			45			58			50			65			64			63			184			192			237
Provision for Loan Losses and for Benefits and Claims	4,298			3,647			2,983			2,801			1,592			1,424			1,524			1,629			1,482			1,336			1,499			1,851			1,647			13,729			6,169			6,168
Income from Continuing Operations before Taxes	939			1,444			2,139			1,859			2,786			2,921			2,934			2,562			3,159			2,988			3,145			2,344			2,893			6,381			11,203			11,636
Income Taxes	112			313			641			440			871			894			932			840			999			1,017			1,038			627			976			1,506			3,537			3,681
Income from Continuing Operations	827			1,131			1,498			1,419			1,915			2,027			2,002			1,722			2,160			1,971			2,107			1,717			1,917			4,875			7,666			7,955
Noncontrolling Interests	(5		)				(4		)				(2		)	3			1			(2		)	1			(1		)	3						5			(9		)				3
Net Income	$	832		$	1,131		$	1,502		$	1,419		$	1,917		$	2,024		$	2,001		$	1,724		$	2,159		$	1,972		$	2,104		$	1,717		$	1,912		$	4,884		$	7,666		$	7,952
Average Assets (in billions of dollars)	$	353		$	347		$	352		$	361		$	367		$	378		$	380		$	381		$	386		$	382		$	389		$	395		$	400		$	353		$	377		$	388
Return on Average Assets (1)	0.96		%	1.32		%	1.71		%	1.58		%	2.14		%	2.17		%	2.11		%	1.82		%	2.28		%	2.10		%	2.17		%	1.75		%	1.96		%	1.40		%	2.06		%	2.07		%
Efficiency Ratio	46		%	47		%	47		%	51		%	53		%	54		%	54		%	56		%	52		%	55		%	53		%	58		%	53		%	48		%	54		%	54		%

Net Credit Losses as a % of Average Loans (1)	6.85		%	6.62		%	5.92		%	5.43		%	4.51		%	4.03		%	3.55		%	3.36		%	3.09		%	2.94		%	2.74		%	2.69		%	2.69		%

Revenue by Business
Retail Banking	$	3,855		$	3,952		$	4,043		$	4,144		$	3,966		$	4,172		$	4,202		$	4,177		$	4,549		$	4,430		$	4,625		$	4,578		$	4,535		$	15,994		$	16,517		$	18,182
Cards (2)	5,891			5,638			5,595			5,377			5,340			5,359			5,469			5,440			5,172			5,077			5,290			5,399			5,214			22,501			21,608			20,938
Total	$	9,746		$	9,590		$	9,638		$	9,521		$	9,306		$	9,531		$	9,671		$	9,617		$	9,721		$	9,507		$	9,915		$	9,977		$	9,749		$	38,495		$	38,125		$	39,120

Net Credit Losses by Business
Retail Banking	$	294		$	306		$	336		$	345		$	281		$	302		$	298		$	309		$	282		$	276		$	325		$	375		$	338		$	1,281		$	1,190		$	1,258
Cards (2)	4,142			3,915			3,513			3,241			2,685			2,432			2,153			2,029			1,899			1,763			1,623			1,564			1,571			14,811			9,299			6,849
Total	$	4,436		$	4,221		$	3,849		$	3,586		$	2,966		$	2,734		$	2,451		$	2,338		$	2,181		$	2,039		$	1,948		$	1,939		$	1,909		$	16,092		$	10,489		$	8,107

Income (loss) from Continuing Operations by Business
Retail Banking	$	801		$	837		$	767		$	721		$	695		$	648		$	645		$	603		$	828		$	808		$	802		$	610		$	726		$	3,126		$	2,591		$	3,048
Cards (2)	26			294			731			698			1,220			1,379			1,357			1,119			1,332			1,163			1,305			1,107			1,191			1,749			5,075			4,907
Total	$	827		$	1,131		$	1,498		$	1,419		$	1,915		$	2,027		$	2,002		$	1,722		$	2,160		$	1,971		$	2,107		$	1,717		$	1,917		$	4,875		$	7,666		$	7,955

FX Translation Impact:
Total Revenue - as Reported	$	9,746		$	9,590		$	9,638		$	9,521		$	9,306		$	9,531		$	9,671		$	9,617		$	9,721		$	9,507		$	9,915		$	9,977		$	9,749		$	38,495		$	38,125		$	39,120
Impact of FX Translation (3)	19			36			(8		)	(109		)	(184		)	(313		)	(164		)	50			(71		)	113			62			35						(61		)	(640		)	136
Total Revenues - Ex-FX (4)	$	9,765		$	9,626		$	9,630		$	9,412		$	9,122		$	9,218		$	9,507		$	9,667		$	9,650		$	9,620		$	9,977		$	10,012		$	9,749		$	38,434		$	37,485		$	39,256

Total Operating Expenses - as Reported	$	4,509		$	4,499		$	4,516		$	4,861		$	4,928		$	5,186		$	5,213		$	5,426		$	5,080		$	5,183		$	5,271		$	5,782		$	5,209		$	18,385		$	20,753		$	21,316
Impact of FX Translation (3)	(7		)	(3		)	(30		)	(100		)	(141		)	(224		)	(126		)	(5		)	(63		)	41			19			7						(131		)	(501		)	2
Total Operating Expenses - Ex-FX (4)	$	4,502		$	4,496		$	4,486		$	4,761		$	4,787		$	4,962		$	5,087		$	5,421		$	5,017		$	5,224		$	5,290		$	5,789		$	5,209		$	18,254		$	20,252		$	21,318

Total Provisions for LLR & PBC - as Reported	$	4,298		$	3,647		$	2,983		$	2,801		$	1,592		$	1,424		$	1,524		$	1,629		$	1,482		$	1,336		$	1,499		$	1,851		$	1,647		$	13,729		$	6,169		$	6,168
Impact of FX Translation (3)	(5		)	9			1			(19		)	(30		)	(63		)	(37		)	2			(19		)	27			17			12						(14		)	(146		)	42
Total Provisions for LLR & PBC - Ex-FX (4)	$	4,293		$	3,656		$	2,984		$	2,782		$	1,562		$	1,361		$	1,487		$	1,631		$	1,463		$	1,363		$	1,516		$	1,863		$	1,647		$	13,715		$	6,023		$	6,210

(1) Under U.S. GAAP, historical balance sheet information is not restated to reflect discontinued operations. Since the numerator portion of the ratio caclulation excludes the income statement items under U.S GAAP, related to the Brazil Credicard discontinued operations, the averages used in the ratio calculations have been adjusted to exclude the Brazil Credicard discontinued operations. For the first quarter of 2013, Brazil Credicard average loans were $3.2 billion and total average assets were $3.8 billion, respectively.

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

(3) Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the first quarter of 2013 exchange rates for all periods presented.

(4) Presentation of this metric excluding FX translation is a non-GAAP financial measure.

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			1Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013

Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)

Branches (actual)	4,167			4,166			4,173			4,206			4,205			4,212			4,192			4,203			4,150			4,082			4,069			4,008			3,916
Accounts (in millions)	60.5			60.5			60.9			60.7			61.0			61.8			62.4			62.3			64.1			65.2			65.2			65.0			64.8
Average Deposits	$	293.8		$	295.7		$	300.0		$	305.1		$	309.8		$	317.0		$	315.5		$	313.4		$	318.8		$	317.7		$	324.2		$	328.2		$	330.2
Investment Sales	$	19.7		$	20.0		$	19.9		$	26.4		$	23.8		$	22.4		$	19.6		$	16.4		$	21.6		$	19.5		$	23.5		$	23.1		$	28.0
Investment AUMs	$	127.3		$	122.5		$	131.2		$	137.0		$	141.2		$	146.1		$	129.0		$	132.0		$	143.1		$	139.6		$	149.9		$	153.6		$	162.8
Average Loans	$	107.9		$	107.2		$	109.5		$	113.3		$	119.8		$	127.1		$	129.2		$	131.4		$	139.3		$	138.5		$	141.1		$	144.6		$	147.0
EOP Loans:
Real Estate Lending	$	56.1		$	54.7		$	56.5		$	59.4		$	64.0		$	66.9		$	67.1		$	70.8		$	73.8		$	73.2		$	74.9		$	76.0		$	76.5
Commercial Markets	29.7			29.9			31.4			32.9			34.7			37.2			36.3			36.4			38.0			37.5			38.7			39.4			40.6
Personal and Other	23.0			22.5			23.9			23.8			24.8			25.4			24.5			26.8			28.2			28.3			29.6			30.4			30.9
EOP Loans	$	108.8		$	107.1		$	111.8		$	116.1		$	123.5		$	129.5		$	127.9		$	134.0		$	140.0		$	139.0		$	143.2		$	145.8		$	148.0

Net Interest Revenue (in millions) (1)	$	2,590		$	2,593		$	2,539		$	2,646		$	2,673		$	2,735		$	2,755		$	2,739		$	2,779		$	2,716		$	2,737		$	2,756		$	2,705
As a % of Average Loans	9.73		%	9.70		%	9.20		%	9.27		%	9.05		%	8.63		%	8.46		%	8.27		%	8.02		%	7.89		%	7.72		%	7.58		%	7.46		%
Net Credit Losses (in millions)	$	294		$	306		$	336		$	345		$	281		$	302		$	298		$	309		$	282		$	276		$	325		$	375		$	338
As a % of Average Loans	1.11		%	1.14		%	1.22		%	1.21		%	0.95		%	0.95		%	0.92		%	0.93		%	0.81		%	0.80		%	0.92		%	1.03		%	0.93		%
Loans 90+ Days Past Due (in millions) (2)	$	817		$	815		$	843		$	761		$	801		$	812		$	794		$	769		$	843		$	869		$	882		$	879		$	863
As a % of EOP Loans	0.75		%	0.76		%	0.76		%	0.66		%	0.65		%	0.63		%	0.63		%	0.58		%	0.61		%	0.63		%	0.62		%	0.61		%	0.59		%
Loans 30-89 Days Past Due (in millions) (2)	$	1,311		$	1,201		$	1,277		$	1,148		$	1,143		$	1,088		$	977		$	1,040		$	1,032		$	1,049		$	1,154		$	1,112		$	1,191
As a % of EOP Loans	1.20		%	1.12		%	1.15		%	1.00		%	0.93		%	0.85		%	0.77		%	0.78		%	0.74		%	0.76		%	0.81		%	0.77		%	0.81		%

Cards Key Indicators (in millions of dollars, except as otherwise noted) (3)

EOP Open Accounts	142.5			140.2			139.9			139.6			137.4			137.2			137.0			137.6			135.0			134.1			133.8			133.8			133.0
Purchase Sales (in billions)	$	76.7		$	83.5		$	84.2		$	91.8		$	80.8		$	90.4		$	89.8		$	95.2		$	85.4		$	90.5		$	90.0		$	97.3		$	86.2
Average Loans (in billions) (4)	$	157.3		$	151.2		$	151.2		$	151.8		$	150.3		$	148.4		$	148.5		$	148.4		$	148.3		$	144.1		$	144.5		$	145.2		$	143.8
EOP Loans (in billions) (4)	$	153.8		$	151.8		$	152.5		$	156.9		$	147.5		$	150.5		$	147.5		$	153.4		$	146.2		$	145.4		$	145.9		$	149.6		$	141.7
Average Yield (5)	15.65		%	15.14		%	14.66		%	14.31		%	14.23		%	14.09		%	13.99		%	13.80		%	13.77		%	13.61		%	13.64		%	13.64		%	13.75		%
Net Interest Revenue (6)	$	4,928		$	4,714		$	4,621		$	4,583		$	4,487		$	4,486		$	4,566		$	4,489		$	4,385		$	4,294		$	4,467		$	4,552		$	4,466
As a % of Average Loans (6)	12.90		%	12.72		%	12.35		%	12.21		%	12.38		%	12.42		%	12.49		%	12.28		%	12.20		%	12.27		%	12.58		%	12.75		%	12.88		%
Net Credit Losses	$	4,142		$	3,915		$	3,513		$	3,241		$	2,685		$	2,432		$	2,153		$	2,029		$	1,899		$	1,763		$	1,623		$	1,564		$	1,571
As a % of Average Loans	10.84		%	10.56		%	9.39		%	8.64		%	7.41		%	6.73		%	5.89		%	5.55		%	5.28		%	5.04		%	4.57		%	4.38		%	4.53		%
Net Credit Margin (7)	$	1,733		$	1,708		$	2,070		$	2,122		$	2,638		$	2,913		$	3,298		$	3,396		$	3,259		$	3,295		$	3,649		$	3,817		$	3,629
As a % of Average Loans (7)	4.54		%	4.61		%	5.53		%	5.65		%	7.28		%	8.06		%	9.02		%	9.29		%	9.06		%	9.41		%	10.27		%	10.69		%	10.47		%
Loans 90+ Days Past Due	$	5,039		$	4,477		$	4,040		$	3,693		$	3,285		$	2,893		$	2,622		$	2,637		$	2,499		$	2,221		$	2,142		$	2,202		$	2,078
As a % of EOP Loans	3.28		%	2.95		%	2.65		%	2.35		%	2.23		%	1.92		%	1.78		%	1.72		%	1.71		%	1.53		%	1.47		%	1.47		%	1.47		%
Loans 30-89 Days Past Due	$	4,940		$	4,392		$	4,160		$	3,866		$	3,502		$	3,205		$	3,072		$	3,035		$	2,694		$	2,400		$	2,385		$	2,397		$	2,198
As a % of EOP Loans	3.21		%	2.89		%	2.73		%	2.46		%	2.37		%	2.13		%	2.08		%	1.98		%	1.84		%	1.65		%	1.63		%	1.60		%	1.55		%

(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 Global Consumer Banking on page 10.

(3) Under U.S. GAAP, historical balance sheet information is not restated to reflect discontinued operations. Since the numerator portion of the ratio caclulation excludes the income statement items under U.S GAAP, related to the Brazil Credicard discontinued operations, the averages used in the ratio calculations have been adjusted to exclude the Brazil Credicard discontinued operations. For the first quarter of 2013, Brazil Credicard average loans were $3.2 billion and total average assets were $3.8 billion, respectively.

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

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

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

(7) 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, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012
Net Interest Revenue	$	4,679		$	4,454		$	4,354		$	4,275		$	4,173		$	4,159		$	4,236		$	4,217		$	4,094		$	4,002		$	4,149		$	4,216		$	4,152		$	17,762		$	16,785		$	16,461
Non-Interest Revenue	947			979			1,070			858			736			756			832			917			1,072			1,100			1,219			1,097			958			3,854			3,241			4,488
Total Revenues, Net of Interest Expense	5,626			5,433			5,424			5,133			4,909			4,915			5,068			5,134			5,166			5,102			5,368			5,313			5,110			21,616			20,026			20,949
Total Operating Expenses	2,227			2,072			2,011			2,135			2,277			2,332			2,409			2,673			2,340			2,452			2,464			2,675			2,429			8,445			9,691			9,931
Net Credit Losses	3,616			3,480			3,148			2,888			2,372			2,136			1,854			1,739			1,629			1,511			1,351			1,265			1,255			13,132			8,101			5,756
Credit Reserve Build / (Release)	2			(208		)	(492		)	(621		)	(1,201		)	(1,240		)	(955		)	(785		)	(841		)	(814		)	(519		)	(215		)	(370		)	(1,319		)	(4,181		)	(2,389		)
Provision for Unfunded Lending Commitments																(1		)	(1		)	1									1												(1		)	1
Provision for Benefits & Claims	17			14			12			14			17			14			18			13			14			19			19			18			14			57			62			70
Provision for Loan Losses and for Benefits and Claims	3,635			3,286			2,668			2,281			1,188			909			916			968			802			716			852			1,068			899			11,870			3,981			3,438
Income from Continuing Operations before Taxes	(236		)	75			745			717			1,444			1,674			1,743			1,493			2,024			1,934			2,052			1,570			1,782			1,301			6,354			7,580
Income Taxes (benefits)	(101		)	7			268			236			527			585			660			571			727			760			775			590			669			410			2,343			2,852
Income from Continuing Operations	(135		)	68			477			481			917			1,089			1,083			922			1,297			1,174			1,277			980			1,113			891			4,011			4,728
Noncontrolling Interests																															1															1
Net Income	$	(135	)	$	68		$	477		$	481		$	917		$	1,089		$	1,083		$	922		$	1,297		$	1,174		$	1,276		$	980		$	1,113		$	891		$	4,011		$	4,727
Average Assets (in billions of dollars)	$	168		$	160		$	161		$	164		$	162		$	162		$	167		$	171		$	169		$	171		$	174		$	175		$	176		$	163		$	166		$	172
Return on Average Assets	(0.33		)%	0.17		%	1.18		%	1.16		%	2.30		%	2.70		%	2.57		%	2.14		%	3.09		%	2.76		%	2.92		%	2.23		%	2.56		%	0.55		%	2.42		%	2.75		%
Efficiency Ratio	40		%	38		%	37		%	42		%	46		%	47		%	48		%	52		%	45		%	48		%	46		%	50		%	48		%	39		%	48		%	47		%

Net Credit Losses as a % of Average Loans	9.30		%	9.29		%	8.44		%	7.81		%	6.56		%	5.90		%	4.99		%	4.60		%	4.32		%	4.07		%	3.60		%	3.35		%	3.40		%

Revenue by Business
Retail Banking	$	1,281		$	1,324		$	1,375		$	1,352		$	1,189		$	1,252		$	1,284		$	1,393		$	1,629		$	1,650		$	1,740		$	1,667		$	1,573		$	5,332		$	5,118		$	6,686
Citi-Branded Cards	2,553			2,405			2,404			2,243			2,181			2,151			2,170			2,139			2,046			1,988			2,087			2,113			2,026			9,605			8,641			8,234
Citi Retail Services	1,792			1,704			1,645			1,538			1,539			1,512			1,614			1,602			1,491			1,464			1,541			1,533			1,511			6,679			6,267			6,029
Total	$	5,626		$	5,433		$	5,424		$	5,133		$	4,909		$	4,915		$	5,068		$	5,134		$	5,166		$	5,102		$	5,368		$	5,313		$	5,110		$	21,616		$	20,026		$	20,949

Net Credit Losses by Business
Retail Banking	$	75		$	80		$	90		$	96		$	88		$	79		$	65		$	70		$	62		$	62		$	72		$	51		$	55		$	341		$	302		$	247
Citi-Branded Cards	2,084			2,048			1,880			1,671			1,352			1,231			1,099			986			902			840			745			700			692			7,683			4,668			3,187
Citi Retail Services	1,457			1,352			1,178			1,121			932			826			690			683			665			609			534			514			508			5,108			3,131			2,322
Total	$	3,616		$	3,480		$	3,148		$	2,888		$	2,372		$	2,136		$	1,854		$	1,739		$	1,629		$	1,511		$	1,351		$	1,265		$	1,255		$	13,132		$	8,101		$	5,756

Income (loss) from Continuing Operations by Business
Retail Banking	$	160		$	203		$	203		$	187		$	87		$	97		$	121		$	165		$	334		$	337		$	342		$	231		$	229		$	753		$	470		$	1,244
Citi-Branded Cards	(143		)	(146		)	(20		)	226			463			581			562			486			592			413			555			460			448			(83		)	2,092			2,020
Citi Retail Services	(152		)	11			294			68			367			411			400			271			371			424			380			289			436			221			1,449			1,464
Total	$	(135	)	$	68		$	477		$	481		$	917		$	1,089		$	1,083		$	922		$	1,297		$	1,174		$	1,277		$	980		$	1,113		$	891		$	4,011		$	4,728

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			1Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013

Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)

Branches (actual)	1,003			1,002			1,000			1,001			1,000			1,002			1,005			1,016			1,020			1,015			1,017			999			981
Accounts (in millions)	13.6			13.4			13.3			13.1			13.0			12.9			12.9			12.7			12.5			12.5			12.4			12.4			12.2
Investment Sales	$	2.4		$	2.7		$	2.4		$	2.9		$	3.1		$	2.7		$	2.6		$	2.2		$	2.4		$	2.4		$	2.8		$	2.9		$	4.0
Investment AUMs	$	32.6		$	28.8		$	29.8		$	30.4		$	29.9		$	30.8		$	28.3		$	29.4		$	31.1		$	28.9		$	29.9		$	29.9		$	31.6

Average Deposits	$	144.3		$	145.5		$	145.0		$	144.7		$	143.7		$	144.5		$	145.5		$	147.2		$	149.4		$	151.6		$	154.4		$	160.0		$	163.8

Average Loans	$	32.2		$	30.7		$	29.7		$	29.6		$	31.9		$	33.6		$	35.2		$	37.3		$	40.5		$	41.1		$	41.3		$	42.2		$	43.2

EOP Loans:
Real Estate Lending	$	24.3		$	23.1		$	22.3		$	23.4		$	25.8		$	27.2		$	29.0		$	31.4		$	32.6		$	32.6		$	33.0		$	33.7		$	33.9
Commercial Markets	5.8			5.7			5.8			6.0			6.0			6.2			6.3			6.4			6.9			7.2			7.4			7.9			8.2
Personal and Other	1.4			1.4			1.3			1.3			1.2			1.1			1.2			1.1			1.1			1.1			1.1			1.1			1.0
Total EOP Loans	$	31.5		$	30.2		$	29.4		$	30.7		$	33.0		$	34.5		$	36.5		$	38.9		$	40.6		$	40.9		$	41.5		$	42.7		$	43.1

Mortgage Originations	$	10.3		$	11.2		$	18.6		$	21.8		$	14.1		$	11.0		$	17.0		$	21.4		$	14.3		$	12.9		$	14.5		$	16.8		$	18.0

Third Party Mortgage Servicing Portfolio (EOP)	$	191.2		$	190.8		$	191.4		$	191.9		$	196.0		$	196.5		$	196.6		$	197.9		$	196.7		$	190.8		$	184.9		$	177.2		$	175.8

Net Servicing & Gain/(Loss) on Sale (in millions)	$	207.8		$	271.7		$	344.3		$	282.4		$	129.0		$	126.5		$	186.5		$	295.0		$	532.6		$	637.0		$	684.2		$	614.5		$	561.6

Saleable Mortgage Rate Locks	$	9.8		$	12.3		$	19.1		$	13.4		$	9.3		$	9.5		$	16.5		$	16.2		$	12.1		$	11.5		$	15.8		$	12.7		$	14.3

Net Interest Revenue on Loans (in millions)	$	168		$	163		$	164		$	134		$	169		$	179		$	176		$	185		$	190		$	197		$	210		$	239		$	243
As a % of Avg. Loans	2.12		%	2.13		%	2.19		%	1.80		%	2.15		%	2.14		%	1.98		%	1.97		%	1.89		%	1.93		%	2.02		%	2.25		%	2.28		%

Net Credit Losses (in millions)	$	75		$	80		$	90		$	96		$	88		$	79		$	65		$	70		$	62		$	62		$	72		$	51		$	55
As a % of Avg. Loans	0.94		%	1.05		%	1.20		%	1.29		%	1.12		%	0.94		%	0.73		%	0.74		%	0.62		%	0.61		%	0.69		%	0.48		%	0.52		%

Loans 90+ Days Past Due (in millions) (1)	$	139		$	190		$	221		$	228		$	241		$	211		$	232		$	235		$	260		$	294		$	291		$	280		$	282
As a % of EOP Loans	0.44		%	0.63		%	0.77		%	0.76		%	0.75		%	0.63		%	0.66		%	0.63		%	0.66		%	0.74		%	0.72		%	0.68		%	0.68		%

Loans 30-89 Days Past Due (in millions) (1)	$	238		$	235		$	243		$	212		$	185		$	209		$	218		$	213		$	183		$	215		$	230		$	223		$	226
As a % of EOP Loans	0.76		%	0.78		%	0.85		%	0.71		%	0.58		%	0.62		%	0.62		%	0.57		%	0.47		%	0.54		%	0.57		%	0.54		%	0.54		%

(1) The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude 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) were, $718 mlllion and ($1.3 billion), $748 mlllion and ($1.2 billion), $738 mlllion and ($1.2 billion), $742 mlllion and ($1.4 billion) and $736 mlllion and ($1.5 billion) as of March 31, 2012, June 30, 2012, September 30, 2012, December 31, 2012 and March 31, 2013, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) were, $121 million and ($1.3 billion), $124 million and ($1.2 billion), $122 million and ($1.2 billion), $122 million and ($1.4 billion) and $121 million and ($1.5 billion) as of March 31, 2012, June 30, 2012, September 30, 2012, December 31, 2012 and March 31, 2013, 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			1Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013

Citi-Branded Cards Key Indicators (in millions of dollars, except as otherwise noted) (1)
EOP Open Accounts	22.4			21.9			21.8			21.8			21.7			21.8			22.2			22.6			22.7			22.9			23.1			23.2			23.4
Purchase Sales (in billions)	$	37.1		$	40.3		$	39.9		$	41.4		$	37.2		$	40.8		$	40.5		$	42.1		$	38.2		$	40.8		$	40.3		$	41.6		$	38.2

Average Loans (in billions) (1)	$	80.5		$	77.4		$	77.3		$	76.5		$	75.1		$	73.6		$	74.0		$	74.4		$	73.5		$	71.7		$	71.5		$	71.1		$	69.7

EOP Loans (in billions) (1)	$	79.0		$	78.5		$	77.9		$	78.8		$	74.5		$	75.0		$	75.1		$	77.2		$	72.7		$	72.7		$	72.2		$	72.9		$	69.2

Average Yield (2)	13.01		%	12.26		%	11.67		%	11.33		%	11.14		%	10.50		%	10.35		%	10.13		%	10.19		%	9.96		%	9.94		%	10.02		%	10.23		%
Net Interest Revenue (3)	$	2,117		$	1,955		$	1,943		$	1,932		$	1,807		$	1,732		$	1,738		$	1,708		$	1,670		$	1,609		$	1,664		$	1,687		$	1,649
As a % of Avg. Loans (3)	10.67		%	10.13		%	9.97		%	10.02		%	9.76		%	9.44		%	9.32		%	9.11		%	9.14		%	9.03		%	9.26		%	9.44		%	9.59		%
Net Credit Losses	$	2,084		$	2,048		$	1,880		$	1,671		$	1,352		$	1,231		$	1,099		$	986		$	902		$	840		$	745		$	700		$	692
As a % of Average Loans	10.50		%	10.61		%	9.65		%	8.67		%	7.30		%	6.71		%	5.89		%	5.26		%	4.94		%	4.71		%	4.15		%	3.92		%	4.03		%
Net Credit Margin (4)	$	462		$	352		$	517		$	567		$	824		$	916		$	1,064		$	1,147		$	1,140		$	1,142		$	1,334		$	1,405		$	1,329
As a % of Avg. Loans (4)	2.33		%	1.82		%	2.65		%	2.94		%	4.45		%	4.99		%	5.70		%	6.12		%	6.24		%	6.41		%	7.42		%	7.86		%	7.73		%
Loans 90+ Days Past Due	$	2,304		$	2,130		$	1,807		$	1,597		$	1,435		$	1,214		$	1,063		$	1,016		$	982		$	830		$	760		$	786		$	732
As a % of EOP Loans	2.92		%	2.71		%	2.32		%	2.03		%	1.93		%	1.62		%	1.42		%	1.32		%	1.35		%	1.14		%	1.05		%	1.08		%	1.06		%
Loans 30-89 Days Past Due	$	2,144		$	1,828		$	1,687		$	1,540		$	1,335		$	1,142		$	1,106		$	1,078		$	887		$	744		$	744		$	771		$	679
As a % of EOP Loans	2.71		%	2.33		%	2.17		%	1.95		%	1.79		%	1.52		%	1.47		%	1.40		%	1.22		%	1.02		%	1.03		%	1.06		%	0.98		%

Citi Retail Services Key Indicators (in millions of dollars, except as otherwise noted) (1)
EOP Open Accounts	90.9			89.3			88.5			87.8			85.5			84.8			83.6			83.6			80.9			79.9			79.3			78.9			77.8
Purchase Sales (in billions)	$	15.8		$	18.4		$	17.7		$	20.5		$	15.2		$	18.5		$	17.7		$	20.5		$	15.5		$	18.1		$	17.5		$	20.4		$	15.3

Average Loans (in billions) (1)	$	45.0		$	42.1		$	41.0		$	40.7		$	39.6		$	38.1		$	38.1		$	38.3		$	37.6		$	36.5		$	36.5		$	37.0		$	36.7
EOP Loans (in billions) (1)	$	42.9		$	41.7		$	40.8		$	42.2		$	37.4		$	38.3		$	37.9		$	39.9		$	36.7		$	36.6		$	36.6		$	38.6		$	35.4

Average Yield (2)	18.57		%	18.66		%	18.37		%	17.84		%	18.17		%	18.23		%	18.38		%	18.02		%	18.19		%	18.14		%	18.26		%	18.04		%	18.28		%
Net Interest Revenue (3)	$	1,708		$	1,660		$	1,601		$	1,504		$	1,531		$	1,551		$	1,637		$	1,625		$	1,566		$	1,543		$	1,634		$	1,660		$	1,652
As a % of Avg. Loans (3)	15.39		%	15.82		%	15.49		%	14.66		%	15.68		%	16.33		%	17.05		%	16.83		%	16.75		%	17.00		%	17.81		%	17.85		%	18.26		%
Net Credit Losses	$	1,457		$	1,352		$	1,178		$	1,121		$	932		$	826		$	690		$	683		$	665		$	609		$	534		$	514		$	508
As a % of Average Loans	13.13		%	12.88		%	11.40		%	10.93		%	9.54		%	8.70		%	7.19		%	7.08		%	7.11		%	6.71		%	5.82		%	5.53		%	5.61		%
Net Credit Margin (4)	$	326		$	342		$	462		$	408		$	595		$	676		$	913		$	910		$	816		$	842		$	997		$	1,009		$	994
As a % of Avg. Loans (4)	2.94		%	3.26		%	4.47		%	3.98		%	6.09		%	7.12		%	9.51		%	9.43		%	8.73		%	9.28		%	10.87		%	10.85		%	10.98		%
Loans 90+ Days Past Due	$	1,883		$	1,549		$	1,450		$	1,352		$	1,110		$	913		$	902		$	951		$	845		$	721		$	716		$	721		$	651
As a % of EOP Loans	4.39		%	3.71		%	3.55		%	3.20		%	2.97		%	2.38		%	2.38		%	2.38		%	2.30		%	1.97		%	1.96		%	1.87		%	1.84		%
Loans 30-89 Days Past Due	$	1,844		$	1,665		$	1,617		$	1,458		$	1,277		$	1,171		$	1,205		$	1,178		$	995		$	852		$	823		$	789		$	685
As a % of EOP Loans	4.30		%	3.99		%	3.96		%	3.45		%	3.41		%	3.06		%	3.18		%	2.95		%	2.71		%	2.33		%	2.25		%	2.04		%	1.94		%

(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, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Net Interest Revenue	$	239		$	220		$	214		$	231		$	234		$	240		$	225		$	216		$	253		$	248		$	251		$	258		$	246		$	904		$	915		$	1,010
Non-Interest Revenue	174			157			136			158			180			163			146			125			116			110			123			126			122			625			614			475
Total Revenues, Net of Interest Expense	413			377			350			389			414			403			371			341			369			358			374			384			368			1,529			1,529			1,485
Total Operating Expenses	294			279			314			333			317			353			343			324			359			337			335			402			344			1,220			1,337			1,433
Net Credit Losses	96			84			63			72			49			46			49			28			29			14			29			33			29			315			172			105
Credit Reserve Build / (Release)	(11		)	(46		)	(48		)	(13		)	(34		)	(55		)	(32		)	3			(5		)	(13		)	2			11			(11		)	(118		)	(118		)	(5		)
Provision for Unfunded Lending Commitments	1			(4		)										4			1			(1		)	(1		)										1			(3		)	4			(1		)
Provision for Benefits & Claims
Provision for Loan Losses and for Benefits and Claims (LLR & PBC)	86			34			15			59			15			(5		)	18			30			23			1			31			44			19			194			58			99
Income (loss) from Continuing Operations before Taxes	33			64			21			(3		)	82			55			10			(13		)	(13		)	20			8			(62		)	5			115			134			(47		)
Income Taxes (benefits)	11			21			8			(6		)	29			26			5			(5		)				7			2			(19		)	(2		)	34			55			(10		)
Income from Continuing Operations	22			43			13			3			53			29			5			(8		)	(13		)	13			6			(43		)	7			81			79			(37		)
Noncontrolling Interests							(1		)							2			1			(3		)	1			1			2						3			(1		)				4
Net Income	$	22		$	43		$	14		$	3		$	53		$	27		$	4		$	(5	)	$	(14	)	$	12		$	4		$	(43	)	$	4		$	82		$	79		$	(41	)
Average Assets (in billions of dollars)	$	10		$	10		$	10		$	10		$	10		$	10		$	10		$	10		$	9		$	9		$	9		$	9		$	10		$	10		$	10		$	9
Return on Average Assets	0.89		%	1.72		%	0.56		%	0.12		%	2.15		%	1.08		%	0.16		%	(0.20		)%	(0.63		)%	0.54		%	0.18		%	(1.90		)%	0.16		%	0.82		%	0.79		%	(0.46		)%
Efficiency Ratio	71		%	74		%	90		%	86		%	77		%	88		%	92		%	95		%	97		%	94		%	90		%	105		%	93		%	80		%	87		%	96		%

Net Credit Losses as a % of Average Loans	5.12		%	4.88		%	3.52		%	4.14		%	2.72		%	2.46		%	2.70		%	1.59		%	1.62		%	0.75		%	1.54		%	1.66		%	1.47		%

Revenue by Business
Retail Banking	$	233		$	210		$	190		$	228		$	239		$	230		$	210		$	195		$	216		$	210		$	220		$	227		$	215		$	861		$	874		$	873
Citi-Branded Cards	180			167			160			161			175			173			161			146			153			148			154			157			153			668			655			612
Total	$	413		$	377		$	350		$	389		$	414		$	403		$	371		$	341		$	369		$	358		$	374		$	384		$	368		$	1,529		$	1,529		$	1,485

Net Credit Losses by Business
Retail Banking	$	46		$	45		$	32		$	43		$	23		$	23		$	29		$	12		$	12		$	7		$	12		$	15		$	9		$	166		$	87		$	46
Citi-Branded Cards	50			39			31			29			26			23			20			16			17			7			17			18			20			149			85			59
Total	$	96		$	84		$	63		$	72		$	49		$	46		$	49		$	28		$	29		$	14		$	29		$	33		$	29		$	315		$	172		$	105

Income (loss) from Continuing Operations by Business
Retail Banking	$	(11	)	$			$	(29	)	$	(27	)	$	11		$	(13	)	$	(23	)	$	(20	)	$	(26	)	$	(9	)	$	(14	)	$	(43	)	$	(8	)	$	(67	)	$	(45	)	$	(92	)
Citi-Branded Cards	33			43			42			30			42			42			28			12			13			22			20						15			148			124			55
Total	$	22		$	43		$	13		$	3		$	53		$	29		$	5		$	(8	)	$	(13	)	$	13		$	6		$	(43	)	$	7		$	81		$	79		$	(37	)

FX Translation Impact:
Total Revenue - as Reported	$	413		$	377		$	350		$	389		$	414		$	403		$	371		$	341		$	369		$	358		$	374		$	384		$	368		$	1,529		$	1,529		$	1,485
Impact of FX Translation (1)	(23		)	(6		)	(13		)	(15		)	(24		)	(36		)	(18		)	2			(8		)	6			5			(2		)				(57		)	(77		)	1
Total Revenues - Ex-FX (2)	$	390		$	371		$	337		$	374		$	390		$	367		$	353		$	343		$	361		$	364		$	379		$	382		$	368		$	1,472		$	1,452		$	1,486

Total Operating Expenses - as Reported	$	294		$	279		$	314		$	333		$	317		$	353		$	343		$	324		$	359		$	337		$	335		$	402		$	344		$	1,220		$	1,337		$	1,433
Impact of FX Translation (1)	(17		)	(5		)	(11		)	(14		)	(23		)	(34		)	(17		)	2			(8		)	6			3			(3		)				(48		)	(72		)	(2		)
Total Operating Expenses - Ex-FX (2)	$	277		$	274		$	303		$	319		$	294		$	319		$	326		$	326		$	351		$	343		$	338		$	399		$	344		$	1,172		$	1,265		$	1,431

Provisions for LLR & PBC - as Reported	$	86		$	34		$	15		$	59		$	15		$	(5	)	$	18		$	30		$	23		$	1		$	31		$	44		$	19		$	194		$	58		$	99
Impact of FX Translation (1)	(6		)	1			1			(3		)	(1		)	1			(1		)										1			(1		)				(8		)	(4		)	1
Provisions for LLR & PBC - Ex-FX (2)	$	80		$	35		$	16		$	56		$	14		$	(4	)	$	17		$	30		$	23		$	1		$	32		$	43		$	19		$	186		$	54		$	100

(1) Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the first quarter of 2013 exchange rates for all periods presented.

(2) Presentation of this metric excluding FX translation is a non-GAAP financial measure.

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			1Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013

Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)

Branches (actual)	315			309			305			303			302			301			299			296			286			240			234			228			222
Accounts (in millions)	4.0			4.0			4.1			4.0			3.9			4.0			4.0			4.0			4.0			4.0			3.9			3.9			3.9
Average Deposits	$	14.6		$	13.8		$	13.7		$	12.7		$	12.7		$	12.9		$	12.4		$	12.0		$	12.5		$	12.4		$	12.7		$	12.7		$	13.0
Investment Sales	$	0.7		$	0.7		$	0.6		$	0.9		$	1.0		$	0.9		$	0.9		$	0.8		$	1.0		$	0.8		$	1.1		$	1.3		$	1.1
Investment AUMs	$	4.6		$	4.2		$	4.7		$	4.9		$	5.3		$	5.5		$	4.8		$	4.7		$	5.3		$	5.0		$	5.4		$	5.8		$	6.0
Average Loans	$	4.7		$	4.2		$	4.3		$	4.1		$	4.4		$	4.5		$	4.4		$	4.3		$	4.4		$	4.7		$	4.7		$	5.0		$	5.1
EOP Loans:
Real Estate Lending	$	0.1		$	0.1		$	0.1		$	0.1		$	0.2		$	0.2		$	0.2		$	0.2		$	0.2		$	0.2		$	0.3		$	0.3		$	0.3
Commercial Markets	1.6			1.4			1.7			1.6			1.9			2.0			1.8			1.8			1.8			1.9			2.1			2.1			2.2
Personal and Other	2.9			2.5			2.6			2.5			2.4			2.5			2.3			2.2			2.5			2.5			2.5			2.7			2.7
Total EOP Loans	$	4.6		$	4.0		$	4.4		$	4.2		$	4.5		$	4.7		$	4.3		$	4.2		$	4.5		$	4.6		$	4.9		$	5.1		$	5.2

Net Interest Revenue (in millions) (1)	$	120		$	106		$	99		$	120		$	119		$	122		$	114		$	112		$	139		$	138		$	140		$	142		$	135
As a % of Average Loans (1)	10.35		%	10.12		%	9.13		%	11.61		%	10.97		%	10.87		%	10.28		%	10.33		%	12.71		%	11.81		%	11.85		%	11.30		%	10.74		%
Net Credit Losses (in millions)	$	46		$	45		$	32		$	43		$	23		$	23		$	29		$	12		$	12		$	7		$	12		$	15		$	9
As a % of Average Loans	3.97		%	4.30		%	2.95		%	4.16		%	2.12		%	2.05		%	2.61		%	1.11		%	1.10		%	0.60		%	1.02		%	1.19		%	0.72		%
Loans 90+ Days Past Due (in millions)	$	108		$	109		$	106		$	84		$	77		$	76		$	65		$	59		$	62		$	49		$	50		$	48		$	43
As a % of EOP Loans	2.35		%	2.73		%	2.41		%	2.00		%	1.71		%	1.62		%	1.51		%	1.40		%	1.38		%	1.07		%	1.02		%	0.94		%	0.83		%
Loans 30-89 Days Past Due (in millions)	$	203		$	158		$	156		$	136		$	143		$	132		$	107		$	94		$	92		$	78		$	79		$	77		$	70
As a % of EOP Loans	4.41		%	3.95		%	3.55		%	3.24		%	3.18		%	2.81		%	2.49		%	2.24		%	2.04		%	1.70		%	1.61		%	1.51		%	1.35		%

Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)

EOP Open Accounts (in millions)	2.6			2.4			2.5			2.5			2.5			2.5			2.6			2.6			2.6			2.6			2.5			2.8			2.8
Purchase Sales (in billions)	$	2.1		$	2.2		$	2.3		$	2.5		$	2.3		$	2.7		$	2.6		$	2.7		$	2.7		$	2.8		$	2.8		$	3.1		$	2.9
Average Loans (2)	$	2.9		$	2.7		$	2.8		$	2.8		$	2.9		$	3.0		$	2.8		$	2.7		$	2.8		$	2.8		$	2.8		$	2.9		$	2.9
EOP Loans (2)	$	2.9		$	2.6		$	2.9		$	2.8		$	2.9		$	3.0		$	2.7		$	2.7		$	2.9		$	2.8		$	2.9		$	2.9		$	2.8
Average Yield (3)	20.52		%	19.83		%	19.94		%	20.54		%	20.61		%	19.86		%	20.14		%	19.81		%	19.71		%	19.17		%	19.24		%	19.10		%	18.87		%

Net Interest Revenue (in millions) (4)	$	119		$	114		$	115		$	111		$	115		$	118		$	111		$	104		$	114		$	110		$	111		$	116		$	111
As a % of Avg. Loans (4)	16.64		%	16.94		%	16.29		%	15.73		%	16.08		%	15.78		%	15.73		%	15.28		%	16.38		%	15.80		%	15.77		%	15.91		%	15.52		%
Net Credit Losses (in millions)	$	50		$	39		$	31		$	29		$	26		$	23		$	20		$	16		$	17		$	7		$	17		$	18		$	20
As a % of Average Loans	6.99		%	5.79		%	4.39		%	4.11		%	3.64		%	3.08		%	2.83		%	2.35		%	2.44		%	1.01		%	2.42		%	2.47		%	2.80		%
Net Credit Margin (in millions) (5)	$	130		$	128		$	129		$	132		$	149		$	150		$	141		$	130		$	136		$	141		$	137		$	139		$	133
As a % of Avg. Loans (5)	18.18		%	19.02		%	18.28		%	18.70		%	20.84		%	20.05		%	19.98		%	19.10		%	19.54		%	20.25		%	19.47		%	19.07		%	18.60		%
Loans 90+ Days Past Due (in millions)	$	78		$	72		$	69		$	58		$	60		$	54		$	47		$	44		$	43		$	43		$	45		$	48		$	45
As a % of EOP Loans	2.69		%	2.77		%	2.38		%	2.07		%	2.07		%	1.80		%	1.74		%	1.63		%	1.48		%	1.54		%	1.55		%	1.66		%	1.61		%
Loans 30-89 Days Past Due (in millions)	$	114		$	90		$	86		$	72		$	78		$	72		$	63		$	59		$	65		$	61		$	68		$	63		$	60
As a % of EOP Loans	3.93		%	3.46		%	2.97		%	2.57		%	2.69		%	2.40		%	2.33		%	2.19		%	2.24		%	2.18		%	2.34		%	2.17		%	2.14		%

(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, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Net Interest Revenue	$	1,342		$	1,338		$	1,360		$	1,418		$	1,426		$	1,470		$	1,497		$	1,460		$	1,489		$	1,474		$	1,532		$	1,566		$	1,546		$	5,458		$	5,853		$	6,061
Non-Interest Revenue	566			599			667			652			657			713			665			659			699			621			658			719			765			2,484			2,694			2,697
Total Revenues, Net of Interest Expense	1,908			1,937			2,027			2,070			2,083			2,183			2,162			2,119			2,188			2,095			2,190			2,285			2,311			7,942			8,547			8,758
Total Operating Expenses	1,057			1,171			1,147			1,252			1,200			1,322			1,316			1,255			1,231			1,230			1,266			1,459			1,308			4,627			5,093			5,186
Net Credit Losses	447			403			392			390			333			327			312			361			333			315			351			406			419			1,632			1,333			1,405
Credit Reserve Build / (Release)	(145		)	(240		)	(276		)	(159		)	(159		)	(35		)	44			(3		)	91			95			36			32			38			(820		)	(153		)	254
Provision for Unfunded Lending Commitments
Provision for Benefits & Claims	36			22			32			37			38			22			38			32			44			31			46			46			49			127			130			167
Provision for Loan Losses and for Benefits and Claims (LLR & PBC)	338			185			148			268			212			314			394			390			468			441			433			484			506			939			1,310			1,826
Income from Continuing Operations before Taxes	513			581			732			550			671			547			452			474			489			424			491			342			497			2,376			2,144			1,746
Income Taxes	133			115			216			118			178			117			99			77			114			89			117			(42		)	117			582			471			278
Income from Continuing Operations	380			466			516			432			493			430			353			397			375			335			374			384			380			1,794			1,673			1,468
Noncontrolling Interests	(5		)				(3		)				(2		)	1						1						(2		)							2			(8		)				(2		)
Net Income	$	385		$	466		$	519		$	432		$	495		$	429		$	353		$	396		$	375		$	337		$	374		$	384		$	378		$	1,802		$	1,673		$	1,470
Average Assets (in billions of dollars)	$	70		$	72		$	73		$	74		$	77		$	83		$	80		$	78		$	82		$	78		$	79		$	82		$	86		$	72		$	80		$	80
Return on Average Assets (1)	2.33		%	2.72		%	2.96		%	2.44		%	2.75		%	2.19		%	1.85		%	2.13		%	1.94		%	1.83		%	1.98		%	1.95		%	1.86		%	2.63		%	2.21		%	1.93		%
Efficiency Ratio	55		%	60		%	57		%	60		%	58		%	61		%	61		%	59		%	56		%	59		%	58		%	64		%	57		%	58		%	60		%	59		%

Net Credit Losses as a % of Average Loans (1)	6.87		%	5.96		%	5.53		%	5.23		%	4.38		%	3.95		%	3.76		%	4.35		%	3.68		%	3.57		%	3.74		%	4.16		%	4.15		%

Revenue by Business
Retail Banking	$	1,204		$	1,244		$	1,307		$	1,349		$	1,356		$	1,420		$	1,416		$	1,365		$	1,474		$	1,405		$	1,469		$	1,509		$	1,547		$	5,104		$	5,557		$	5,857
Citi-Branded Cards	704			693			720			721			727			763			746			754			714			690			721			776			764			2,838			2,990			2,901
Total	$	1,908		$	1,937		$	2,027		$	2,070		$	2,083		$	2,183		$	2,162		$	2,119		$	2,188		$	2,095		$	2,190		$	2,285		$	2,311		$	7,942		$	8,547		$	8,758

Net Credit Losses by Business
Retail Banking	$	91		$	96		$	129		$	123		$	103		$	117		$	113		$	142		$	143		$	135		$	160		$	210		$	207		$	439		$	475		$	648
Citi-Branded Cards	356			307			263			267			230			210			199			219			190			180			191			196			212			1,193			858			757
Total	$	447		$	403		$	392		$	390		$	333		$	327		$	312		$	361		$	333		$	315		$	351		$	406		$	419		$	1,632		$	1,333		$	1,405

Income (loss) from Continuing Operations by Business
Retail Banking	$	239		$	260		$	260		$	221		$	307		$	249		$	181		$	215		$	216		$	238		$	222		$	233		$	248		$	980		$	952		$	909
Citi-Branded Cards	141			206			256			211			186			181			172			182			159			97			152			151			132			814			721			559
Total	$	380		$	466		$	516		$	432		$	493		$	430		$	353		$	397		$	375		$	335		$	374		$	384		$	380		$	1,794		$	1,673		$	1,468

FX Translation Impact:
Total Revenue - as Reported	$	1,908		$	1,937		$	2,027		$	2,070		$	2,083		$	2,183		$	2,162		$	2,119		$	2,188		$	2,095		$	2,190		$	2,285		$	2,311		$	7,942		$	8,547		$	8,758
Impact of FX Translation (2)	(26		)	(36		)	(44		)	(96		)	(137		)	(213		)	(99		)	49			(38		)	93			63			58						(199		)	(429		)	174
Total Revenues - Ex-FX (3)	$	1,882		$	1,901		$	1,983		$	1,974		$	1,946		$	1,970		$	2,063		$	2,168		$	2,150		$	2,188		$	2,253		$	2,343		$	2,311		$	7,743		$	8,118		$	8,932

Total Operating Expenses - as Reported	$	1,057		$	1,171		$	1,147		$	1,252		$	1,200		$	1,322		$	1,316		$	1,255		$	1,231		$	1,230		$	1,266		$	1,459		$	1,308		$	4,627		$	5,093		$	5,186
Impact of FX Translation (2)	(23		)	(30		)	(35		)	(70		)	(93		)	(143		)	(68		)	8			(31		)	40			31			30						(153		)	(300		)	67
Total Operating Expenses - Ex-FX (3)	$	1,034		$	1,141		$	1,112		$	1,182		$	1,107		$	1,179		$	1,248		$	1,263		$	1,200		$	1,270		$	1,297		$	1,489		$	1,308		$	4,474		$	4,793		$	5,253

Provisions for LLR & PBC - as Reported	$	338		$	185		$	148		$	268		$	212		$	314		$	394		$	390		$	468		$	441		$	433		$	484		$	506		$	939		$	1,310		$	1,826
Impact of FX Translation (2)	(5		)	(8		)	(10		)	(21		)	(31		)	(55		)	(34		)	(4		)	(21		)	20			14			15						(44		)	(136		)	33
Provisions for LLR & PBC - Ex-FX (3)	$	333		$	177		$	138		$	247		$	181		$	259		$	360		$	386		$	447		$	461		$	447		$	499		$	506		$	895		$	1,174		$	1,859

(2) Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the first quarter of 2013 exchange rates for all periods presented.

(3) Presentation of this metric excluding FX translation is a non-GAAP financial measure.

Reclassified to conform to the current periods presentation.

CITICORP

GLOBAL CONSUMER BANKING

LATIN AMERICA - PAGE 2


	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013

Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)

Branches (actual)	2,145			2,151			2,161			2,191			2,196			2,210			2,215			2,220			2,201			2,200			2,200			2,181			2,139
Accounts (in millions)	26.8			27.0			27.2			27.4			27.8			28.4			28.8			29.2			31.1			31.9			32.1			31.8			31.8
Average Deposits	$	39.2		$	39.4		$	40.3		$	42.1		$	45.3		$	47.8		$	45.5		$	44.4		$	46.0		$	44.0		$	44.6		$	45.4		$	46.4
Investment Sales	$	7.7		$	7.0		$	6.8		$	9.8		$	8.4		$	8.2		$	7.6		$	7.4		$	9.8		$	9.3		$	10.4		$	9.9		$	10.9
Investment AUMs	$	44.2		$	44.7		$	48.9		$	51.5		$	54.7		$	57.9		$	50.9		$	52.7		$	58.8		$	58.3		$	64.8		$	65.9		$	70.9
Average Loans	$	17.1		$	17.6		$	18.5		$	19.5		$	20.7		$	22.7		$	22.6		$	22.7		$	25.7		$	25.2		$	26.6		$	27.7		$	29.4
EOP Loans:
Real Estate Lending	$	3.6		$	3.7		$	3.9		$	4.2		$	4.7		$	4.8		$	4.3		$	4.4		$	5.1		$	4.9		$	5.3		$	5.4		$	5.9
Commercial Markets	8.6			8.5			8.9			9.5			10.0			11.5			10.8			10.9			11.7			11.6			12.3			12.8			13.5
Personal and Other	5.6			5.8			6.3			6.1			6.9			6.9			6.5			8.3			9.3			9.4			9.9			10.1			10.9
Total EOP Loans	$	17.8		$	18.0		$	19.1		$	19.8		$	21.6		$	23.2		$	21.6		$	23.6		$	26.1		$	25.9		$	27.5		$	28.3		$	30.3

Net Interest Revenue (in millions) (1)	$	800		$	803		$	824		$	861		$	884		$	896		$	928		$	913		$	965		$	943		$	975		$	990		$	990
As a % of Average Loans (1)	18.97		%	18.30		%	17.67		%	17.52		%	17.32		%	15.83		%	16.29		%	15.96		%	15.10		%	15.05		%	14.58		%	14.22		%	13.66		%
Net Credit Losses (in millions)	$	91		$	96		$	129		$	123		$	103		$	117		$	113		$	142		$	143		$	135		$	160		$	210		$	207
As a % of Average Loans	2.16		%	2.19		%	2.77		%	2.50		%	2.02		%	2.07		%	1.98		%	2.48		%	2.24		%	2.15		%	2.39		%	3.02		%	2.86		%
Loans 90+ Days Past Due (in millions)	$	324		$	308		$	290		$	224		$	249		$	259		$	273		$	253		$	276		$	285		$	322		$	323		$	309
As a % of EOP Loans	1.82		%	1.71		%	1.52		%	1.13		%	1.15		%	1.12		%	1.26		%	1.07		%	1.06		%	1.10		%	1.17		%	1.14		%	1.02		%
Loans 30-89 Days Past Due (in millions)	$	394		$	335		$	402		$	267		$	324		$	301		$	267		$	289		$	323		$	316		$	412		$	353		$	427
As a % of EOP Loans	2.21		%	1.86		%	2.10		%	1.35		%	1.50		%	1.30		%	1.24		%	1.22		%	1.24		%	1.22		%	1.50		%	1.25		%	1.41		%

Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted) (2)

EOP Open Accounts (in millions)	11.8			11.7			12.1			12.2			12.3			12.5			12.8			12.9			13.1			13.0			13.0			12.9			12.9
Purchase Sales (in billions)	$	7.3		$	7.7		$	8.4		$	9.6		$	9.1		$	10.0		$	10.3		$	10.8		$	10.2		$	10.0		$	10.3		$	11.5		$	10.5
Average Loans (in billions) (3)	$	11.7		$	12.0		$	12.3		$	13.0		$	13.4		$	14.0		$	13.8		$	13.6		$	14.4		$	13.6		$	13.9		$	14.3		$	14.7
EOP Loans (in billions) (3)	$	11.9		$	12.0		$	12.6		$	13.4		$	13.5		$	14.2		$	12.9		$	13.7		$	14.3		$	13.7		$	14.2		$	14.8		$	14.9
Average Yield (4)	25.96		%	23.42		%	22.84		%	22.15		%	22.40		%	23.20		%	23.18		%	23.77		%	22.12		%	22.34		%	22.57		%	22.12		%	21.23		%

Net Interest Revenue (in millions) (5)	$	542		535			$	536		$	557		$	542		574			$	569		$	547		$	524		$	531		$	557		$	576		$	556
As a % of Average Loans (5)	23.64		%	22.59		%	22.15		%	21.88		%	21.76		%	21.93		%	21.92		%	21.28		%	19.70		%	20.73		%	20.71		%	20.64		%	19.61		%
Net Credit Losses (in millions)	$	356		$	307		$	263		$	267		$	230		$	210		$	199		$	219		$	190		$	180		$	191		$	196		$	212
As a % of Average Loans	15.52		%	12.96		%	10.87		%	10.49		%	9.24		%	8.02		%	7.67		%	8.52		%	7.14		%	7.03		%	7.10		%	7.02		%	7.48		%
Net Credit Margin (in millions) (6)	$	348		$	386		$	457		$	454		$	497		$	553		$	547		$	535		$	524		$	510		$	530		$	580		$	552
As a % of Average Loans (6)	15.18		%	16.30		%	18.89		%	17.83		%	19.96		%	21.12		%	21.07		%	20.81		%	19.70		%	19.91		%	19.71		%	20.79		%	19.47		%
Loans 90+ Days Past Due	$	509		$	481		$	472		$	446		$	445		$	462		$	396		$	412		$	405		$	405		$	401		$	413		$	418
As a % of EOP Loans	4.28		%	4.01		%	3.75		%	3.33		%	3.30		%	3.25		%	3.07		%	3.01		%	2.83		%	2.96		%	2.82		%	2.79		%	2.81		%
Loans 30-89 Days Past Due	$	478		$	488		$	442		$	456		$	454		$	469		$	398		$	399		$	426		$	428		$	416		$	432		$	449
As a % of EOP Loans	4.02		%	4.07		%	3.51		%	3.40		%	3.36		%	3.30		%	3.09		%	2.91		%	2.98		%	3.12		%	2.93		%	2.92		%	3.01		%

(1)	Under U.S. GAAP, historical balance sheet information is not restated to reflect discontinued operations. Since the numerator portion of the ratio caclulation excludes the income statement items under U.S GAAP, related to the Brazil Credicard discontinued operations, the averages used in the ratio calculations have been adjusted to exclude the Brazil Credicard discontinued operations. For the first quarter of 2013, Brazil Credicard average loans were $3.2 billion and total average assets were $3.8 billion, respectively.
(2)	Also includes net interest revenue related to the regions deposit balances in excess of the average loan portfolio.
(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

ASIA - PAGE 1

(In millions of dollars, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Net Interest Revenue	$	1,258		$	1,295		$	1,232		$	1,305		$	1,327		$	1,352		$	1,363		$	1,335		$	1,328		$	1,286		$	1,272		$	1,268		$	1,227		$	5,090		$	5,377		$	5,154
Non-Interest Revenue	541			548			605			624			573			678			707			688			670			666			711			727			733			2,318			2,646			2,774
Total Revenues, Net of Interest Expense	1,799			1,843			1,837			1,929			1,900			2,030			2,070			2,023			1,998			1,952			1,983			1,995			1,960			7,408			8,023			7,928
Total Operating Expenses	931			977			1,044			1,141			1,134			1,179			1,145			1,174			1,150			1,164			1,206			1,246			1,128			4,093			4,632			4,766
Net Credit Losses	277			254			246			236			212			225			236			210			190			199			217			235			206			1,013			883			841
Credit Reserve Build / (Release)	(38		)	(112		)	(94		)	(43		)	(35		)	(19		)	(40		)	31			(1		)	(21		)	(34		)	20			3			(287		)	(63		)	(36		)
Provision for Unfunded Lending Commitments																																					14
Provision for Benefits & Claims
Provision for Loan Losses and for Benefits and Claims (LLR & PBC)	239			142			152			193			177			206			196			241			189			178			183			255			223			726			820			805
Income from Continuing Operations before Taxes	629			724			641			595			589			645			729			608			659			610			594			494			609			2,589			2,571			2,357
Income Taxes	69			170			149			92			137			166			168			197			158			161			144			98			192			480			668			561
Income from Continuing Operations	560			554			492			503			452			479			561			411			501			449			450			396			417			2,109			1,903			1,796
Noncontrolling Interests
Net Income	$	560		$	554		$	492		$	503		$	452		$	479		$	561		$	411		$	501		$	449		$	450		$	396		$	417		$	2,109		$	1,903		$	1,796
Average Assets (in billions of dollars)	$	105		$	105		$	108		$	113		$	118		$	123		$	123		$	122		$	126		$	124		$	127		$	129		$	128		$	108		$	122		$	127
Return on Average Assets	2.16		%	2.12		%	1.81		%	1.77		%	1.55		%	1.56		%	1.81		%	1.34		%	1.60		%	1.46		%	1.41		%	1.22		%	1.32		%	1.95		%	1.56		%	1.41		%
Efficiency Ratio	52		%	53		%	57		%	59		%	60		%	58		%	55		%	58		%	58		%	60		%	61		%	62		%	58		%	55		%	58		%	60		%

Net Credit Losses as a % of Average Loans	1.58		%	1.42		%	1.30		%	1.19		%	1.05		%	1.05		%	1.08		%	0.96		%	0.86		%	0.92		%	0.98		%	1.04		%	0.94		%

Revenue by Business
Retail Banking	$	1,137		$	1,174		$	1,171		$	1,215		$	1,182		$	1,270		$	1,292		$	1,224		$	1,230		$	1,165		$	1,196		$	1,175		$	1,200		$	4,697		$	4,968		$	4,766
Citi-Branded Cards	662			669			666			714			718			760			778			799			768			787			787			820			760			2,711			3,055			3,162
Total	$	1,799		$	1,843		$	1,837		$	1,929		$	1,900		$	2,030		$	2,070		$	2,023		$	1,998		$	1,952		$	1,983		$	1,995		$	1,960		$	7,408		$	8,023		$	7,928

Net Credit Losses by Business
Retail Banking	$	82		$	85		$	85		$	83		$	67		$	83		$	91		$	85		$	65		$	72		$	81		$	99		$	67		$	335		$	326		$	317
Citi-Branded Cards	195			169			161			153			145			142			145			125			125			127			136			136			139			678			557			524
Total	$	277		$	254		$	246		$	236		$	212		$	225		$	236		$	210		$	190		$	199		$	217		$	235		$	206		$	1,013		$	883		$	841

Income from Continuing Operations by Business
Retail Banking	$	413		$	374		$	333		$	340		$	290		$	315		$	366		$	243		$	304		$	242		$	252		$	189		$	257		$	1,460		$	1,214		$	987
Citi-Branded Cards	147			180			159			163			162			164			195			168			197			207			198			207			160			649			689			809
Total	$	560		$	554		$	492		$	503		$	452		$	479		$	561		$	411		$	501		$	449		$	450		$	396		$	417		$	2,109		$	1,903		$	1,796

FX Translation Impact:
Total Revenue - as Reported	$	1,799		$	1,843		$	1,837		$	1,929		$	1,900		$	2,030		$	2,070		$	2,023		$	1,998		$	1,952		$	1,983		$	1,995		$	1,960		$	7,408		$	8,023		$	7,928
Impact of FX Translation (1)	68			78			49			2			(23		)	(64		)	(47		)	(1		)	(25		)	14			(6		)	(21		)				195			(134		)	(39		)
Total Revenues - Ex-FX (2)	$	1,867		$	1,921		$	1,886		$	1,931		$	1,877		$	1,966		$	2,023		$	2,022		$	1,973		$	1,966		$	1,977		$	1,974		$	1,960		$	7,603		$	7,889		$	7,889

Total Operating Expenses - as Reported	$	931		$	977		$	1,044		$	1,141		$	1,134		$	1,179		$	1,145		$	1,174		$	1,150		$	1,164		$	1,206		$	1,246		$	1,128		$	4,093		$	4,632		$	4,766
Impact of FX Translation (1)	33			32			16			(16		)	(25		)	(47		)	(41		)	(15		)	(24		)	(5		)	(15		)	(20		)				70			(129		)	(63		)
Total Operating Expenses - Ex-FX (2)	$	964		$	1,009		$	1,060		$	1,125		$	1,109		$	1,132		$	1,104		$	1,159		$	1,126		$	1,159		$	1,191		$	1,226		$	1,128		$	4,163		$	4,503		$	4,703

Provisions for LLR & PBC - as Reported	$	239		$	142		$	152		$	193		$	177		$	206		$	196		$	241		$	189		$	178		$	183		$	255		$	223		$	726		$	820		$	805
Impact of FX Translation (1)	6			16			10			5			2			(9		)	(2		)	6			2			7			2			(2		)				38			(6		)	8
Provisions for LLR & PBC - Ex-FX (2)	$	245		$	158		$	162		$	198		$	179		$	197		$	194		$	247		$	191		$	185		$	185		$	253		$	223		$	764		$	814		$	813

(1) Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the first quarter of 2013 exchange rates for all periods presented.

(2) Presentation of this metric excluding FX translation is a non-GAAP financial measure.

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			1Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013

Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)

Branches (actual)	704			704			707			711			707			699			673			671			643			627			618			600			574
Accounts (in millions)	16.1			16.1			16.3			16.2			16.3			16.5			16.7			16.4			16.5			16.8			16.8			16.9			16.9
Average Deposits	$	95.7		$	97.0		$	101.0		$	105.6		$	108.1		$	111.8		$	112.1		$	109.8		$	110.9		$	109.7		$	112.5		$	110.1		$	107.0
Investment Sales	$	8.9		$	9.6		$	10.1		$	12.8		$	11.3		$	10.6		$	8.5		$	6.0		$	8.4		$	7.0		$	9.2		$	9.0		$	12.0
Investment AUMs	$	45.9		$	44.8		$	47.8		$	50.2		$	51.3		$	51.9		$	45.0		$	45.2		$	47.9		$	47.4		$	49.8		$	52.0		$	54.3
Average Loans	$	53.9		$	54.7		$	57.0		$	60.1		$	62.8		$	66.3		$	67.0		$	67.1		$	68.7		$	67.5		$	68.5		$	69.7		$	69.3
EOP Loans:
Real Estate Lending	$	28.1		$	27.8		$	30.2		$	31.7		$	33.3		$	34.7		$	33.6		$	34.8		$	35.9		$	35.5		$	36.3		$	36.6		$	36.4
Commercial Markets	13.7			14.3			15.0			15.8			16.8			17.5			17.4			17.3			17.6			16.8			16.9			16.6			16.7
Personal and Other	13.1			12.8			13.7			13.9			14.3			14.9			14.5			15.2			15.3			15.3			16.1			16.5			16.3
Total EOP Loans	$	54.9		$	54.9		$	58.9		$	61.4		$	64.4		$	67.1		$	65.5		$	67.3		$	68.8		$	67.6		$	69.3		$	69.7		$	69.4

Net Interest Revenue (in millions) (1)	$	816		$	845		$	806		$	826		$	835		$	841		$	852		$	830		$	817		$	785		$	771		$	755		$	729
As a % of Average Loans (1)	6.14		%	6.20		%	5.61		%	5.45		%	5.39		%	5.09		%	5.05		%	4.91		%	4.78		%	4.68		%	4.48		%	4.31		%	4.27		%
Net Credit Losses (in millions)	$	82		$	85		$	85		$	83		$	67		$	83		$	91		$	85		$	65		$	72		$	81		$	99		$	67
As a % of Average Loans	0.62		%	0.62		%	0.59		%	0.55		%	0.43		%	0.50		%	0.54		%	0.50		%	0.38		%	0.43		%	0.47		%	0.57		%	0.39		%
Loans 90+ Days Past Due (in millions)	$	246		$	208		$	226		$	225		$	234		$	266		$	224		$	222		$	245		$	241		$	219		$	228		$	229
As a % of EOP Loans	0.45		%	0.38		%	0.38		%	0.37		%	0.36		%	0.40		%	0.34		%	0.33		%	0.36		%	0.36		%	0.32		%	0.33		%	0.33		%
Loans 30-89 Days Past Due (in millions)	$	476		$	473		$	476		$	533		$	491		$	446		$	385		$	444		$	434		$	440		$	433		$	459		$	468
As a % of EOP Loans	0.87		%	0.86		%	0.81		%	0.87		%	0.76		%	0.66		%	0.59		%	0.66		%	0.63		%	0.65		%	0.62		%	0.66		%	0.67		%

Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)

EOP Open Accounts (in millions)	14.8			14.9			15.0			15.3			15.4			15.6			15.8			15.9			15.7			15.7			15.9			16.0			16.1
Purchase Sales (in billions)	$	14.4		$	14.9		$	15.9		$	17.8		$	17.0		$	18.4		$	18.7		$	19.1		$	18.8		$	18.8		$	19.1		$	20.7		$	19.3
Average Loans (in billions) (2)	$	17.2		$	17.0		$	17.8		$	18.8		$	19.3		$	19.7		$	19.8		$	19.4		$	20.0		$	19.5		$	19.8		$	19.9		$	19.8
EOP Loans (in billions) (2)	$	17.1		$	17.0		$	18.3		$	19.7		$	19.2		$	20.0		$	18.9		$	19.9		$	19.6		$	19.6		$	20.0		$	20.4		$	19.4
Average Yield (3)	13.98		%	14.18		%	13.85		%	13.66		%	13.76		%	13.82		%	13.50		%	13.41		%	13.31		%	13.16		%	12.89		%	12.88		%	12.69		%

Net Interest Revenue (in millions) (4)	$	442		450			$	426		$	479		$	492		511			$	511		$	505		$	511		$	501		$	501		$	513		$	498
As a % of Average Loans (4)	10.42		%	10.62		%	9.49		%	10.11		%	10.34		%	10.40		%	10.24		%	10.33		%	10.28		%	10.33		%	10.07		%	10.26		%	10.20		%
Net Credit Losses (in millions)	$	195		$	169		$	161		$	153		$	145		$	142		$	145		$	125		$	125		$	127		$	136		$	136		$	139
As a % of Average Loans	4.60		%	3.99		%	3.59		%	3.23		%	3.05		%	2.89		%	2.91		%	2.56		%	2.51		%	2.62		%	2.73		%	2.72		%	2.85		%
Net Credit Margin (in millions) (5)	$	467		$	500		$	505		$	561		$	573		$	618		$	633		$	674		$	643		$	660		$	651		$	684		$	621
As a % of Average Loans (5)	11.01		%	11.80		%	11.26		%	11.84		%	12.04		%	12.58		%	12.68		%	13.78		%	12.93		%	13.61		%	13.08		%	13.67		%	12.72		%
Loans 90+ Days Past Due	$	265		$	245		$	242		$	240		$	235		$	250		$	214		$	214		$	224		$	222		$	220		$	234		$	232
As a % of EOP Loans	1.55		%	1.44		%	1.32		%	1.22		%	1.22		%	1.25		%	1.13		%	1.08		%	1.14		%	1.13		%	1.10		%	1.15		%	1.20		%
Loans 30-89 Days Past Due	$	360		$	321		$	328		$	340		$	358		$	351		$	300		$	321		$	321		$	315		$	334		$	342		$	325
As a % of EOP Loans	2.11		%	1.89		%	1.79		%	1.73		%	1.86		%	1.76		%	1.59		%	1.61		%	1.64		%	1.61		%	1.67		%	1.68		%	1.68		%

(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, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Commissions and Fees	$	1,108		$	1,086		$	1,016		$	1,057		$	1,133		$	1,133		$	1,159		$	1,024		$	1,141		$	1,081		$	1,011		$	1,085		$	1,179		4,267			$	4,449		$	4,318
Administration and Other Fiduciary Fees	723			617			674			739			746			732			649			648			696			742			663			689			694			2,753			2,775			2,790
Investment Banking	953			592			829			1,146			793			1,001			590			645			811			793			1,000			1,014			1,085			3,520			3,029			3,618
Principal Transactions	3,306			1,778			1,539			(1,057		)	2,260			1,288			1,665			(340		)	1,916			1,434			731			49			2,415			5,566			4,873			4,130
Other	471			481			348			385			(75		)	254			1,530			113			(405		)	326			37			(41		)	359			1,685			1,822			(83		)
Total Non-Interest Revenue	6,561			4,554			4,406			2,270			4,857			4,408			5,593			2,090			4,159			4,376			3,442			2,796			5,732			17,791			16,948			14,773
Net Interest Revenue (including Dividends)	3,932			3,958			3,776			3,879			3,759			3,784			3,880			3,760			3,888			3,862			4,024			4,183			3,852			15,545			15,183			15,957
Total Revenues, Net of Interest Expense	10,493			8,512			8,182			6,149			8,616			8,192			9,473			5,850			8,047			8,238			7,466			6,979			9,584			33,336			32,131			30,730
Total Operating Expenses	4,583			5,151			4,864			5,018			5,139			5,307			5,039			5,262			5,087			4,979			4,869			5,264			4,988			19,616			20,747			20,199
Net Credit Losses	103			43			290			137			210			150			87			172			(58		)	122			143			75			39			573			619			282
Provision for Unfunded Lending Commitments	(8		)	(22		)	1						4			(8		)	45			48			(11		)	26			(26		)	50			3			(29		)	89			39
Credit Reserve Build / (Release)	(177		)	(232		)	(27		)	(190		)	(394		)	(56		)	32			(138		)	158			(13		)	(149		)	(41		)	23			(626		)	(556		)	(45		)
Provision for Benefits & Claims
Provision for Credit Losses and for Benefits and Claims	(82		)	(211		)	264			(53		)	(180		)	86			164			82			89			135			(32		)	84			65			(82		)	152			276
Income from Continuing Operations before Taxes	5,992			3,572			3,054			1,184			3,657			2,799			4,270			506			2,871			3,124			2,629			1,631			4,531			13,802			11,232			10,255
Income Taxes	1,835			943			728			33			1,084			716			1,221			(149		)	638			760			622			142			1,406			3,539			2,872			2,162
Income from Continuing Operations	4,157			2,629			2,326			1,151			2,573			2,083			3,049			655			2,233			2,364			2,007			1,489			3,125			10,263			8,360			8,093
Noncontrolling Interests	26			20			34			51			13			9			5			29			60			31			14			23			50			131			56			128
Net Income	$	4,131		$	2,609		$	2,292		$	1,100		$	2,560		$	2,074		$	3,044		$	626		$	2,173		$	2,333		$	1,993		$	1,466		$	3,075		$	10,132		$	8,304		$	7,965
Average Assets (in billions of dollars)	$	928		$	949		$	945		$	976		$	1,002		$	1,048		$	1,045		$	1,012		$	1,018		$	1,051		$	1,047		$	1,061		$	1,070		$	950		$	1,027		$	1,044
Return on Average Assets	1.81		%	1.10		%	0.96		%	0.45		%	1.04		%	0.79		%	1.16		%	0.25		%	0.86		%	0.89		%	0.76		%	0.55		%	1.17		%	1.07		%	0.81		%	0.76		%
Return on Average Assets (Excluding CVA/DVA) (1)	1.73		%	1.03		%	0.94		%	0.71		%	1.09		%	0.76		%	0.71		%	0.26		%	1.20		%	0.84		%	0.95		%	0.67		%	1.24		%	1.09		%	0.70		%	0.91		%
Efficiency Ratio	44		%	61		%	59		%	82		%	60		%	65		%	53		%	90		%	63		%	60		%	65		%	75		%	52		%	59		%	65		%	66		%

Revenue by Region
North America	$	4,284		$	3,354		$	2,914		$	1,689		$	3,028		$	2,824		$	3,156		$	1,354		$	2,081		$	2,680		$	2,152		$	2,114		$	3,596		$	12,241		$	10,362		$	9,027
EMEA	3,333			2,594			2,553			1,656			2,880			2,523			3,175			2,060			2,832			2,520			2,361			2,212			2,734			10,136			10,638			9,925
Latin America	930			896			1,004			1,117			971			1,088			930			959			1,165			1,176			1,222			1,120			1,217			3,947			3,948			4,683
Asia	1,946			1,668			1,711			1,687			1,737			1,757			2,212			1,477			1,969			1,862			1,731			1,533			2,037			7,012			7,183			7,095
Total	$	10,493		$	8,512		$	8,182		$	6,149		$	8,616		$	8,192		$	9,473		$	5,850		$	8,047		$	8,238		$	7,466		$	6,979		$	9,584		$	33,336		$	32,131		$	30,730

Income from Continuing Operations by Region
North America	$	1,657		$	1,027		$	608		$	(69	)	$	628		$	535		$	845		$	(316	)	$	313		$	671		$	412		$	320		$	1,281		$	3,223		$	1,692		$	1,716
EMEA	1,307			659			790			213			1,026			613			1,008			430			814			682			616			432			668			2,969			3,077			2,544
Latin America	403			343			431			500			427			438			356			318			498			490			506			397			476			1,677			1,539			1,891
Asia	790			600			497			507			492			497			840			223			608			521			473			340			700			2,394			2,052			1,942
Total	$	4,157		$	2,629		$	2,326		$	1,151		$	2,573		$	2,083		$	3,049		$	655		$	2,233		$	2,364		$	2,007		$	1,489		$	3,125		$	10,263		$	8,360		$	8,093

Average Loans by Region (in billions)
North America	$	68		68			66			66			$	66		$	68		$	70		$	74		$	76		$	82		$	90		89			$	91		$	67		$	70		$	84
EMEA	37			37			38			40			42			48			48			50			51			52			54			53			53			38			47			53
Latin America	23			22			23			24			25			29			30			32			34			34			34			37			38			23			29			35
Asia	30			35			38			42			45			49			54			58			60			63			65			62			60			36			52			63
Total	$	158		$	162		$	165		$	172		$	178		$	194		$	202		$	214		$	221		$	231		$	243		$	241		$	242		$	164		$	197		$	234

(1) Return on average assets excluding CVA/DVA is defined as annualized net income excluding after-tax CVA/DVA divided by average assets. Net income excluding CVA/DVA in the first quarter of 2012, second quarter of 2012, third quarter of 2012, fourth quarter of 2012 and first quarter of 2013 was $3,027 million, $2,207 million, $2,492 million, $1,782 million and $3,267 million, respectively. See page 19 for the CVA/DVA for each period presented. Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.

Reclassified to conform to the current periods presentation.

CITICORP

INSTITUTIONAL CLIENTS GROUP

SECURITIES AND BANKING

(In millions of dollars, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Net Interest Revenue	$	2,574		$	2,586		$	2,371		$	2,475		$	2,358		$	2,341		$	2,417		$	2,283		$	2,339		$	2,369		$	2,539		$	2,704		$	2,437		$	10,006		$	9,399		$	9,951
Non-Interest Revenue	5,508			3,448			3,301			1,137			3,733			3,211			4,377			980			3,003			3,102			2,308			1,658			4,541			13,394			12,301			10,071
Total Revenues, Net of Interest Expense	8,082			6,034			5,672			3,612			6,091			5,552			6,794			3,263			5,342			5,471			4,847			4,362			6,978			23,400			21,700			20,022
Total Operating Expenses	3,396			3,949			3,604			3,671			3,795			3,892			3,572			3,731			3,701			3,568			3,479			3,668			3,564			14,620			14,990			14,416
Net Credit Losses	102			42			289			134			203			151			70			178			(60		)	97			56			75			35			567			602			168
Provision for Unfunded Lending Commitments	(8		)	(22		)	1						4			(8		)	54			36			(17		)	26			(26		)	50			3			(29		)	86			33
Credit Reserve Build / (Release)	(158		)	(199		)	(11		)	(194		)	(394		)	(83		)	50			(145		)	135			(64		)	(103		)	(47		)	34			(562		)	(572		)	(79		)
Provision for Benefits & Claims
Provision for Credit Losses and for Benefits and Claims	(64		)	(179		)	279			(60		)	(187		)	60			174			69			58			59			(73		)	78			72			(24		)	116			122
Income from Continuing Operations before Taxes	4,750			2,264			1,789			1			2,483			1,600			3,048			(537		)	1,583			1,844			1,441			616			3,342			8,804			6,594			5,484
Income Taxes (Benefits)	1,495			531			352			(310		)	722			357			857			(451		)	247			369			256			(81		)	987			2,068			1,485			791
Income from Continuing Operations	3,255			1,733			1,437			311			1,761			1,243			2,191			(86		)	1,336			1,475			1,185			697			2,355			6,736			5,109			4,693
Noncontrolling Interests	21			15			29			45			9			4						24			56			26			11			18			44			110			37			111
Net Income	$	3,234		$	1,718		$	1,408		$	266		$	1,752		$	1,239		$	2,191		$	(110	)	$	1,280		$	1,449		$	1,174		$	679		$	2,311		$	6,626		$	5,072		$	4,582
Average Assets (in billions of dollars)	828			848			835			855			877			917			911			878			884			913			905			917			926			842			896			904
Return on Average Assets	1.58		%	0.81		%	0.67		%	0.12		%	0.81		%	0.54		%	0.95		%	(0.05		)%	0.58		%	0.64		%	0.52		%	0.29		%	1.01		%	0.79		%	0.57		%	0.51		%
Return on Average Assets (Excluding CVA/DVA) (1)	1.50		%	0.74		%	0.64		%	0.42		%	0.88		%	0.50		%	0.44		%	(0.03		)%	0.97		%	0.58		%	0.74		%	0.43		%	1.10		%	0.82		%	0.45		%	0.68		%
Efficiency Ratio	42		%	65		%	64		%	102		%	62		%	70		%	53		%	114		%	69		%	65		%	72		%	84		%	51		%	62		%	69		%	72		%

Revenue Details - Excluding CVA/DVA:
Investment Banking:
Advisory	$	199		$	89		$	239		$	199		$	144		$	199		$	185		$	160		$	111		$	202		$	196		$	206		$	204		$	726		$	688		$	715
Equity Underwriting	225			158			153			405			205			273			107			91			155			168			143			163			225			941			676			629
Debt Underwriting	639			433			545			570			508			619			450			393			606			490			594			634			634			2,187			1,970			2,324
Total Investment Banking	1,063			680			937			1,174			857			1,091			742			644			872			860			933			1,003			1,063			3,854			3,334			3,668
Lending	220			500			(40		)	163			223			325			1,000			134			12			571			167			119			309			843			1,682			869
Equity Markets	1,230			633			1,075			821			1,116			789			302			244			916			561			522			465			826			3,759			2,451			2,464
Fixed Income Markets	5,127			3,530			3,424			2,342			4,022			2,961			2,310			1,757			4,781			2,861			3,739			2,741			4,623			14,423			11,050			14,122
Private Bank	516			534			512			525			540			575			565			537			598			591			609			596			629			2,087			2,217			2,394
Other Securities and Banking	(359		)	(98		)	(335		)	(375		)	(438		)	(336		)	(13		)	21			(461		)	(171		)	(324		)	(52		)	(162		)	(1,167		)	(766		)	(1,008		)
Total Securities and Banking Revenues (Ex-CVA/DVA) (2)	$	7,797		$	5,779		$	5,573		$	4,650		$	6,320		$	5,405		$	4,906		$	3,337		$	6,718		$	5,273		$	5,646		$	4,872		$	7,288		$	23,799		$	19,968		$	22,509

North America	$	3,476		$	2,461		$	2,232		$	1,645		$	2,484		$	2,037		$	1,556		$	804		$	2,072		$	1,918		$	1,880		$	1,743		$	3,071		9,814			6,881			7,613
EMEA	2,506			1,825			1,722			1,304			2,207			1,703			1,620			1,241			2,560			1,610			1,858			1,505			2,059			7,357			6,771			7,533
Latin America	544			585			609			657			554			646			485			534			727			728			782			695			779			2,395			2,219			2,932
Asia	1,271			908			1,010			1,044			1,075			1,019			1,245			758			1,359			1,017			1,126			929			1,379			4,233			4,097			4,431
Total Securities and Banking Revenues (Ex-CVA/DVA) (2)	7,797			5,779			5,573			4,650			6,320			5,405			4,906			3,337			6,718			5,273			5,646			4,872			7,288			23,799			19,968			22,509

CVA/DVA {excluded as applicable in lines above}	285			255			99			(1,038		)	(229		)	147			1,888			(74		)	(1,376		)	198			(799		)	(510		)	(310		)	(399		)	1,732			(2,487		)
Total Revenues, Net of Interest Expense	$	8,082		$	6,034		$	5,672		$	3,612		$	6,091		$	5,552		$	6,794		$	3,263		$	5,342		$	5,471		$	4,847		$	4,362		$	6,978		$	23,400		$	21,700		$	20,022

(1) Return on average assets excluding CVA/DVA is defined as annualized net income excluding after-tax CVA/DVA divided by average assets. Net income excluding CVA/DVA in the first quarter of 2012, second quarter of 2012, third quarter of 2012, fourth quarter of 2012 and first quarter of 2013 was $2,134 million, $1,323 million, $1,673 million, $995 million and $2,503 million, respectively. For the CVA/DVA for each period presented, see above.

(2) Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.

Reclassified to conform to the current period's presentation.

CITICORP

INSTITUTIONAL CLIENTS GROUP

TRANSACTION SERVICES

(In millions of dollars, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Net Interest Revenue	$	1,358		$	1,372		$	1,405		$	1,404		$	1,401		$	1,443		$	1,463		$	1,477		$	1,549		$	1,493		$	1,485		$	1,479		$	1,415		$	5,539		$	5,784		$	6,006
Non-Interest Revenue	1,053			1,106			1,105			1,133			1,124			1,197			1,216			1,110			1,156			1,274			1,134			1,138			1,191			4,397			4,647			4,702
Total Revenues, Net of Interest Expense	2,411			2,478			2,510			2,537			2,525			2,640			2,679			2,587			2,705			2,767			2,619			2,617			2,606			9,936			10,431			10,708
Total Operating Expenses	1,187			1,202			1,260			1,347			1,344			1,415			1,467			1,531			1,386			1,411			1,390			1,596			1,424			4,996			5,757			5,783
Net Credit Losses	1			1			1			3			7			(1		)	17			(6		)	2			25			87						4			6			17			114
Provision for Unfunded Lending Commitments																			(9		)	12			6																		3			6
Credit Reserve Build / (Release)	(19		)	(33		)	(16		)	4						27			(18		)	7			23			51			(46		)	6			(11		)	(64		)	16			34
Provision for Benefits & Claims
Provision for Credit Losses and for Benefits and Claims	(18		)	(32		)	(15		)	7			7			26			(10		)	13			31			76			41			6			(7		)	(58		)	36			154
Income from Continuing Operations before Taxes	1,242			1,308			1,265			1,183			1,174			1,199			1,222			1,043			1,288			1,280			1,188			1,015			1,189			4,998			4,638			4,771
Income Taxes	340			412			376			343			362			359			364			302			391			391			366			223			419			1,471			1,387			1,371
Income from Continuing Operations	902			896			889			840			812			840			858			741			897			889			822			792			770			3,527			3,251			3,400
Noncontrolling Interests	5			5			5			6			4			5			5			5			4			5			3			5			6			21			19			17
Net Income	$	897		$	891		$	884		$	834		$	808		$	835		$	853		$	736		$	893		$	884		$	819		$	787		$	764		$	3,506		$	3,232		$	3,383
Average Assets (in billions of dollars)	$	100		$	101		$	110		$	121		$	125		$	131		$	134		$	134		$	134		$	138		$	142		$	144		$	144		$	108		$	131		$	140
Return on Average Assets	3.64		%	3.54		%	3.19		%	2.73		%	2.62		%	2.56		%	2.53		%	2.18		%	2.68		%	2.58		%	2.29		%	2.17		%	2.15		%	3.25		%	2.47		%	2.42		%
Efficiency Ratio	49		%	49		%	50		%	53		%	53		%	54		%	55		%	59		%	51		%	51		%	53		%	61		%	55		%	50		%	55		%	54		%

Revenue Details
Treasury and Trade Solutions	$	1,756		$	1,782		$	1,822		$	1,809		$	1,808		$	1,900		$	1,916		$	1,929		$	2,017		$	2,074		$	1,953		$	1,962		$	1,922		7,169			$	7,553		$	8,006
Securities and Fund Services	655			696			688			728			717			740			763			658			688			693			666			655			684			2,767			2,878			2,702
Total	$	2,411		$	2,478		$	2,510		$	2,537		$	2,525		$	2,640		$	2,679		$	2,587		$	2,705		$	2,767		$	2,619		$	2,617		$	2,606		$	9,936		$	10,431		$	10,708

Average Deposits and Other Customer Liability Balances (in billions)
North America	$	72		74			81			79			$	80		85			$	91		$	94		$	100		$	106		$	107		$	106		$	100		$	76		$	87		$	105
EMEA	106			106			111			116			118			119			115			118			118			125			132			142			139			110			118			129
Latin America	27			25			27			29			32			34			34			36			35			34			38			45			45			27			34			38
Asia	115			115			122			130			126			128			125			121			124			131			138			135			131			121			125			132
Total	$	320		$	320		$	341		$	354		$	356		$	366		$	365		$	369		$	377		$	396		$	415		$	428		$	415		$	334		$	364		$	404

EOP Assets Under Custody (in trillions of dollars)	$	11.6		$	11.1		$	12.1		$	12.3		$	12.7		$	13.0		$	12.1		$	12.0		$	12.5		$	12.2		$	12.8		$	13.2		$	13.5

FX Translation Impact:
Total Revenue - as Reported	$	2,411		$	2,478		$	2,510		$	2,537		$	2,525		$	2,640		$	2,679		$	2,587		$	2,705		$	2,767		$	2,619		$	2,617		$	2,606		$	9,936		$	10,431		$	10,708
Impact of FX Translation (1)	(28		)	(7		)	(32		)	(59		)	(76		)	(117		)	(80		)	(22		)	(41		)	4						(10		)				(125		)	(297		)	(46		)
Total Revenues - Ex-FX (2)	$	2,383		$	2,471		$	2,478		$	2,478		$	2,449		$	2,523		$	2,599		$	2,565		$	2,664		$	2,771		$	2,619		$	2,607		$	2,606		$	9,811		$	10,134		$	10,662

Total Expenses - as Reported	$	1,187		$	1,202		$	1,260		$	1,347		$	1,344		$	1,415		$	1,467		$	1,531		$	1,386		$	1,411		$	1,390		$	1,596		$	1,424		$	4,996		$	5,757		$	5,783
Impact of FX Translation (1)	(7		)	8			(6		)	(17		)	(29		)	(49		)	(34		)	(10		)	(15		)	3						(9		)				(22		)	(125		)	(23		)
Total Expenses - Ex-FX (2)	$	1,180		$	1,210		$	1,254		$	1,330		$	1,315		$	1,366		$	1,433		$	1,521		$	1,371		$	1,414		$	1,390		$	1,587		$	1,424		$	4,974		$	5,632		$	5,760

(1) Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the first quarter of 2013 exchange rates for all periods presented.

(2) Presentation of this metric excluding FX translation is a non-GAAP financial measure.

Reclassified to conform to the current periods presentation.

CORPORATE / OTHER (1)

(In millions of dollars, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Net Interest Revenue	$	212		$	224		$	150		$	69		$	(26	)	$	(88	)	$	(89	)	$	13		$	(45	)	$	(124	)	$	(197	)	$	(210	)	$	(146	)	$	655		$	(190	)	$	(576	)
Non-Interest Revenue	106			409			416			47			(66		)	319			359			340			516			(172		)	198			104			139			978			952			646
Total Revenues, Net of Interest Expense	318			633			566			116			(92		)	231			270			353			471			(296		)	1			(106		)	(7		)	1,633			762			70
Total Operating Expenses	333			214			321			638			647			612			522			512			795			597			765			1,059			568			1,506			2,293			3,216
Net Credit Losses	(1		)	(1		)	1			1			1						1			1			1			1			(1		)	(1		)							3
Credit Reserve Build / (Release)	4									(2		)	(1		)				(1		)	(1		)	(1		)													2			(3		)	(1		)
Provision for Benefits & Claims				1			(1		)				1						(1		)	1						(1		)													1			(1		)
Provision for Unfunded Lending Commitments	(2		)				(1		)										1			(1		)										1						(3		)				1
Provision for Loan Losses and for Benefits and Claims	1						(1		)	(1		)	1																		(1		)							(1		)	1			(1		)
Income from Continuing Operations before Taxes	(16		)	419			246			(521		)	(740		)	(381		)	(252		)	(159		)	(324		)	(893		)	(763		)	(1,165		)	(575		)	128			(1,532		)	(3,145		)
Income Taxes	(39		)	220			107			(319		)	(240		)	(227		)	(158		)	(99		)	7			(446		)	(687		)	(317		)	(253		)	(31		)	(724		)	(1,443		)
Income from Continuing Operations	23			199			139			(202		)	(500		)	(154		)	(94		)	(60		)	(331		)	(447		)	(76		)	(848		)	(322		)	159			(808		)	(1,702		)
Income (Loss) from Discontinued Operations, net of taxes (2)	207			10			(346		)	113			32			50						(14		)	12			7			8			(85		)	(33		)	(16		)	68			(58		)
Noncontrolling Interests							(51		)	3									(41		)	14			63			9			8			5			30			(48		)	(27		)	85
Net Income (Loss)	$	230		$	209		$	(156	)	$	(92	)	$	(468	)	$	(104	)	$	(53	)	$	(88	)	$	(382	)	$	(449	)	$	(76	)	$	(938	)	$	(385	)	$	191		$	(713	)	$	(1,845	)
EOP Assets (in billions of dollars)	$	261		$	259		$	276		$	268		$	278		$	265		$	279		$	281		$	308		$	285		$	298		$	243		$	280		$	268		$	281		$	243
Average Assets (in billions of dollars)	$	263		$	277		$	276		$	286		$	279		$	281		$	278		$	281		$	285		$	281		$	289		$	283		$	264		$	276		$	280		$	285

(1) Includes unallocated global staff functions, other corporate expense and unallocated global operations and technology expenses, Corporate Treasury, Corporate items Income (Loss) from Discontinued Operations.

(2) See Footnote 3 on page 2.

Reclassified to conform to the current periods presentation.

CITICORP

NORTH AMERICA (1)

(In millions of dollars, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Net Interest Revenue	$	6,300		$	6,071		$	5,671		$	5,623		$	5,495		$	5,372		$	5,519		$	5,411		$	5,352		$	5,378		$	5,604		$	5,707		$	5,549		$	23,665		$	21,797		$	22,041
Non-Interest Revenue	3,610			2,716			2,667			1,199			2,442			2,367			2,705			1,077			1,895			2,404			1,916			1,720			3,157			10,192			8,591			7,935
Total Revenues, Net of Interest Expense	9,910			8,787			8,338			6,822			7,937			7,739			8,224			6,488			7,247			7,782			7,520			7,427			8,706			33,857			30,388			29,976
Total Operating Expenses	4,050			4,162			3,919			4,136			4,363			4,435			4,320			4,672			4,342			4,447			4,318			4,667			4,347			16,267			17,790			17,774
Net Credit Losses	3,689			3,497			3,418			2,963			2,527			2,253			1,894			1,816			1,547			1,564			1,370			1,269			1,271			13,567			8,490			5,750
Credit Reserve Build / (Release)	(27		)	(271		)	(317		)	(751		)	(1,275		)	(1,230		)	(871		)	(827		)	(811		)	(839		)	(574		)	(293		)	(424		)	(1,366		)	(4,203		)	(2,517		)
Provision Unfunded Lending Commitments	(1		)	(20		)	(5		)	1			9						58			36			(17		)	19			(15		)	44			3			(25		)	103			31
Provision for Benefits & Claims	17			14			12			14			17			14			18			13			14			19			19			18			14			57			62			70
Provision for Credit Losses and for Benefits and Claims	3,678			3,220			3,108			2,227			1,278			1,037			1,099			1,038			733			763			800			1,038			864			12,233			4,452			3,334
Income from Continuing Operations before Taxes	2,182			1,405			1,311			459			2,296			2,267			2,805			778			2,172			2,572			2,402			1,722			3,495			5,357			8,146			8,868
Income Taxes	660			310			226			47			751			643			877			172			562			727			713			422			1,101			1,243			2,443			2,424
Income from Continuing Operations	1,522			1,095			1,085			412			1,545			1,624			1,928			606			1,610			1,845			1,689			1,300			2,394			4,114			5,703			6,444
Noncontrolling Interests	5			1			14			33			(8		)	(7		)	(17		)	3			32			10			(7		)	9			17			53			(29		)	44
Net Income	$	1,517		$	1,094		$	1,071		$	379		$	1,553		$	1,631		$	1,945		$	603		$	1,578		$	1,835		$	1,696		$	1,291		$	2,377		$	4,061		$	5,732		$	6,400
Average Assets (in billions of dollars)	$	593		$	598		$	564		$	572		$	593		$	596		$	589		$	587		$	595		$	616		$	629		$	635		$	633		$	582		$	871		$	619
Return on Average Assets	1.04		%	0.73		%	0.75		%	0.26		%	1.06		%	1.10		%	1.31		%	0.41		%	1.07		%	1.20		%	1.07		%	0.81		%	1.52		%	0.70		%	0.66		%	1.03		%
Efficiency Ratio	41		%	47		%	47		%	61		%	55		%	57		%	53		%	72		%	60		%	57		%	57		%	63		%	50		%	48		%	59		%	59		%

Revenue by Business
Retail Banking	$	1,281		$	1,324		$	1,375		$	1,352		$	1,189		$	1,252		$	1,284		$	1,393		$	1,629		$	1,650		$	1,740		$	1,667		$	1,573		$	5,332		$	5,118		$	6,686
Citi-Branded Cards	2,553			2,405			2,404			2,243			2,181			2,151			2,170			2,139			2,046			1,988			2,087			2,113			2,026			9,605			8,641			8,234
Citi Retail Services	1,792			1,704			1,645			1,538			1,539			1,512			1,614			1,602			1,491			1,464			1,541			1,533			1,511			6,679			6,267			6,029
Global Consumer Banking	5,626			5,433			5,424			5,133			4,909			4,915			5,068			5,134			5,166			5,102			5,368			5,313			5,110			21,616			20,026			20,949
Securities and Banking	3,645			2,721			2,295			1,102			2,420			2,217			2,537			751			1,442			2,017			1,533			1,481			2,970			9,763			7,925			6,473
Transaction Services	639			633			619			587			608			607			619			603			639			663			619			633			626			2,478			2,437			2,554
Total	$	9,910		$	8,787		$	8,338		$	6,822		$	7,937		$	7,739		$	8,224		$	6,488		$	7,247		$	7,782		$	7,520		$	7,427		$	8,706		$	33,857		$	30,388		$	29,976

CVA/DVA {included as applicable in businesses above}	169			260			63			(542		)	(64		)	180			982			(52		)	(629		)	99			(346		)	(262		)	(102		)	(50		)	1,046			(1,138		)
Total Revenues - Excluding CVA/DVA (2)	$	9,741		$	8,527		$	8,275		$	7,364		$	8,001		$	7,559		$	7,242		$	6,540		$	7,876		$	7,683		$	7,866		$	7,689		$	8,808		33,907			29,342			31,114

Income (loss) from Continuing Operations by Business
Retail Banking	$	160		$	203		$	203		$	187		$	87		$	97		$	121		$	165		$	334		$	337		$	342		$	231		$	229		$	753		$	470		$	1,244
Citi-Branded Cards	(143		)	(146		)	(20		)	226			463			581			562			486			592			413			555			460			448			(83		)	2,092			2,020
Citi Retail Services	(152		)	11			294			68			367			411			400			271			371			424			380			289			436			221			1,449			1,464
Global Consumer Banking	(135		)	68			477			481			917			1,089			1,083			922			1,297			1,174			1,277			980			1,113			891			4,011			4,728
Securities and Banking	1,506			880			492			(143		)	523			407			735			(381		)	187			549			292			222			1,152			2,735			1,284			1,250
Transaction Services	151			147			116			74			105			128			110			65			126			122			120			98			129			488			408			466
Total	$	1,522		$	1,095		$	1,085		$	412		$	1,545		$	1,624		$	1,928		$	606		$	1,610		$	1,845		$	1,689		$	1,300		$	2,394		$	4,114		$	5,703		$	6,444

(1) Regional results do not include Corporate/Other. See page 21 for Corporate/Other results.

(2) Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.

Reclassified to conform to the current periods presentation.

CITICORP

EMEA (1)

(In millions of dollars, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Net Interest Revenue	$	1,149		$	1,178		$	1,192		$	1,195		$	1,158		$	1,062		$	1,154		$	1,149		$	1,300		$	1,184		$	1,261		$	1,310		$	1,166		$	4,714		$	4,523		$	5,055
Non-Interest Revenue	2,597			1,793			1,711			850			2,136			1,864			2,392			1,252			1,901			1,694			1,474			1,286			1,936			6,951			7,644			6,355
Total Revenues, Net of Interest Expense	3,746			2,971			2,903			2,045			3,294			2,926			3,546			2,401			3,201			2,878			2,735			2,596			3,102			11,665			12,167			11,410
Total Operating Expenses	1,807			2,074			1,836			1,864			1,912			2,031			1,992			2,035			1,964			1,893			1,882			2,127			1,953			7,581			7,970			7,866
Net Credit Losses	117			94			82			124			92			72			86			112			52			20			48			71			41			417			362			191
Credit Reserve Build / (Release)	(174		)	(165		)	(150		)	(45		)	(274		)	(105		)	(30		)	(164		)	75			(38		)	(47		)	92			79			(534		)	(573		)	82
Provision Unfunded Lending Commitments	(6		)	(5		)	6			(1		)	(5		)	(5		)	(4		)	12			5			7			(10		)	6			1			(6		)	(2		)	8
Provision for Benefits & Claims
Provision for Credit Losses and for Benefits and Claims	(63		)	(76		)	(62		)	78			(187		)	(38		)	52			(40		)	132			(11		)	(9		)	169			121			(123		)	(213		)	281
Income from Continuing Operations before Taxes	2,002			973			1,129			103			1,569			933			1,502			406			1,105			996			862			300			1,028			4,207			4,410			3,263
Income Taxes	673			271			326			(113		)	490			291			489			(16		)	304			301			240			(89		)	353			1,157			1,254			756
Income from Continuing Operations	1,329			702			803			216			1,079			642			1,013			422			801			695			622			389			675			3,050			3,156			2,507
Noncontrolling Interests	20			17			17			17			21			17			22			22			28			22			23			16			36			71			82			89
Net Income	$	1,309		$	685		$	786		$	199		$	1,058		$	625		$	991		$	400		$	773		$	673		$	599		$	373		$	639		$	2,979		$	3,074		$	2,418
Average Assets (in billions of dollars)	$	240		$	241		$	257		$	265		$	262		$	298		$	311		$	301		$	296		$	299		$	282		$	293		$	302		$	251		$	293		$	293
Return on Average Assets	2.21		%	1.14		%	1.21		%	0.30		%	1.64		%	0.84		%	1.26		%	0.53		%	1.05		%	0.91		%	0.85		%	0.51		%	0.86		%	1.19		%	1.05		%	0.83		%
Efficiency Ratio	48		%	70		%	63		%	91		%	58		%	69		%	56		%	85		%	61		%	66		%	69		%	82		%	63		%	65		%	66		%	69		%

Revenue by Business
Retail Banking	$	233		$	210		$	190		$	228		$	239		$	230		$	210		$	195		$	216		$	210		$	220		$	227		$	215		$	861		$	874		$	873
Citi-Branded Cards	180			167			160			161			175			173			161			146			153			148			154			157			153			668			655			612
Regional Consumer Banking	413			377			350			389			414			403			371			341			369			358			374			384			368			$	1,529		$	1,529		$	1,485
Securities and Banking	2,522			1,768			1,740			838			2,066			1,647			2,304			1,224			1,959			1,612			1,517			1,349			1,873			6,868			7,241			6,437
Transaction Services	811			826			813			818			814			876			871			836			873			908			844			863			861			3,268			3,397			3,488
Total	$	3,746		$	2,971		$	2,903		$	2,045		$	3,294		$	2,926		$	3,546		$	2,401		$	3,201		$	2,878		$	2,735		$	2,596		$	3,102		$	11,665		$	12,167		$	11,410

CVA/DVA {included as applicable in businesses above}	15			(57		)	18			(466		)	(141		)	(56		)	684			(18		)	(601		)	2			(342		)	(156		)	(185		)	(490		)	469			(1,097		)
Total Revenues - Excluding CVA/DVA (2)	$	3,731		$	3,028		$	2,885		$	2,511		$	3,435		$	2,982		$	2,862		$	2,419		$	3,802		$	2,876		$	3,077		$	2,752		$	3,287		12,155			11,698			12,507

Income (loss) from Continuing Operations by Business
Retail Banking	$	(11	)	$			$	(29	)	$	(27	)	$	11		$	(13	)	$	(23	)	$	(20	)	$	(26	)	$	(9	)	$	(14	)	$	(43	)	$	(8	)	$	(67	)	$	(45	)	$	(92	)
Citi-Branded Cards	33			43			42			30			42			42			28			12			13			22			20						15			148			124			55
Regional Consumer Banking	22			43			13			3			53			29			5			(8		)	(13		)	13			6			(43		)	7			$	81		$	79		$	(37	)
Securities and Banking	1,023			356			500			(67		)	766			342			736			161			514			365			348			133			445			1,812			2,005			1,360
Transaction Services	284			303			290			280			260			271			272			269			300			317			268			299			223			1,157			1,072			1,184
Total	$	1,329		$	702		$	803		$	216		$	1,079		$	642		$	1,013		$	422		$	801		$	695		$	622		$	389		$	675		$	3,050		$	3,156		$	2,507

(1) Regional results do not include Corporate/Other. See page 21 for Corporate/Other results.

(2) Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.

Reclassified to conform to the current periods presentation.

CITICORP

LATIN AMERICA (1)

(In millions of dollars, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Net Interest Revenue	$	2,052		$	2,024		$	2,087		$	2,216		$	2,189		$	2,292		$	2,222		$	2,166		$	2,178		$	2,148		$	2,226		$	2,316		$	2,250		$	8,379		$	8,869		$	8,868
Non-Interest Revenue	786			809			944			971			865			979			870			912			1,175			1,123			1,186			1,089			1,278			3,510			3,626			4,573
Total Revenues, Net of Interest Expense	2,838			2,833			3,031			3,187			3,054			3,271			3,092			3,078			3,353			3,271			3,412			3,405			3,528			11,889			12,495			13,441
Total Operating Expenses	1,410			1,554			1,554			1,678			1,628			1,756			1,758			1,721			1,662			1,645			1,694			1,984			1,789			6,196			6,863			6,985
Net Credit Losses	449			417			393			401			337			325			319			373			333			347			356			427			424			1,660			1,354			1,463
Credit Reserve Build / (Release)	(160		)	(256		)	(331		)	(168		)	(251		)	(27		)	12			17			85			80			60			35			57			(915		)	(249		)	260
Provision Unfunded Lending Commitments																			(9		)																						(9		)
Provision for Benefits & Claims	36			22			32			37			38			22			38			32			44			31			46			46			49			127			130			167
Provision for Credit Losses and for Benefits and Claims	325			183			94			270			124			320			360			422			462			458			462			508			530			872			1,226			1,890
Income from Continuing Operations before Taxes	1,103			1,096			1,383			1,239			1,302			1,195			974			935			1,229			1,168			1,256			913			1,209			4,821			4,406			4,566
Income Taxes	320			287			436			307			382			327			265			220			356			343			376			132			353			1,350			1,194			1,207
Income from Continuing Operations	783			809			947			932			920			868			709			715			873			825			880			781			856			3,471			3,212			3,359
Noncontrolling Interests	(5		)	1			(2		)				(3		)	1						1						(3		)				(3		)	1			(6		)	(1		)	(6		)
Net Income	$	788		$	808		$	949		$	932		$	923		$	867		$	709		$	714		$	873		$	828		$	880		$	784		$	855		$	3,477		$	3,213		$	3,365
Average Assets (in billions of dollars)	$	146		$	149		$	151		$	160		$	171		$	177		$	169		$	162		$	167		$	165		$	169		$	175		$	184		$	152		170			$	169
Return on Average Assets	2.24		%	2.22		%	2.55		%	2.37		%	2.24		%	2.01		%	1.71		%	1.80		%	2.16		%	2.07		%	2.12		%	1.82		%	1.92		%	2.34		%	1.94		%	2.04		%
Efficiency Ratio	50		%	55		%	51		%	53		%	53		%	54		%	57		%	56		%	50		%	50		%	50		%	58		%	51		%	52		%	55		%	52		%

Revenue by Business
Retail Banking	$	1,204		$	1,244		$	1,307		$	1,349		$	1,356		$	1,420		$	1,416		$	1,365		$	1,474		$	1,405		$	1,469		$	1,509		$	1,547		$	5,104		$	5,557		$	5,857
Citi-Branded Cards	704			693			720			721			727			763			746			754			714			690			721			776			764			2,838			2,990			2,901
Regional Consumer Banking	1,908			1,937			2,027			2,070			2,083			2,183			2,162			2,119			2,188			2,095			2,190			2,285			2,311			$	7,942		$	8,547		$	8,758
Securities and Banking	586			536			618			707			561			656			494			553			723			730			780			680			770			2,447			2,264			2,913
Transaction Services	344			360			386			410			410			432			436			406			442			446			442			440			447			1,500			1,684			1,770
Total	$	2,838		$	2,833		$	3,031		$	3,187		$	3,054		$	3,271		$	3,092		$	3,078		$	3,353		$	3,271		$	3,412		$	3,405		$	3,528		$	11,889		$	12,495		$	13,441

CVA/DVA {included as applicable in businesses above}	43			(49		)	9			50			7			10			9			19			(5		)	2			(3		)	(15		)	(9		)	53			45			(21		)
Total Revenues - Excluding CVA/DVA (2)	$	2,795		$	2,882		$	3,022		$	3,137		$	3,047		$	3,261		$	3,083		$	3,059		$	3,358		$	3,269		$	3,415		$	3,420		$	3,537		11,836			12,450			13,462

Income from Continuing Operations by Business
Retail Banking	$	239		$	260		$	260		$	221		$	307		$	249		$	181		$	215		$	216		$	238		$	222		$	233		$	248		$	980		$	952		$	909
Citi-Branded Cards	141			206			256			211			186			181			172			182			159			97			152			151			132			814			721			559
Regional Consumer Banking	380			466			516			432			493			430			353			397			375			335			374			384			380			$	1,794		$	1,673		$	1,468
Securities and Banking	251			189			261			328			259			282			192			183			324			309			352			264			312			1,029			916			1,249
Transaction Services	152			154			170			172			168			156			164			135			174			181			154			133			164			648			623			642
Total	$	783		$	809		$	947		$	932		$	920		$	868		$	709		$	715		$	873		$	825		$	880		$	781		$	856		$	3,471		$	3,212		$	3,359

(1) Regional results do not include Corporate/Other. See page 21 for Corporate/Other results.

(2) Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.

Reclassified to conform to the current periods presentation.

CITICORP

ASIA (1)

(In millions of dollars, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Net Interest Revenue	$	1,949		$	1,992		$	1,986		$	2,074		$	2,077		$	2,279		$	2,306		$	2,262		$	2,222		$	2,162		$	2,137		$	2,158		$	2,058		$	8,001		$	8,924		$	8,679
Non-Interest Revenue	1,796			1,519			1,562			1,542			1,560			1,508			1,976			1,238			1,745			1,652			1,577			1,370			1,939			6,419			6,282			6,344
Total Revenues, Net of Interest Expense	3,745			3,511			3,548			3,616			3,637			3,787			4,282			3,500			3,967			3,814			3,714			3,528			3,997			14,420			15,206			15,023
Total Operating Expenses	1,825			1,860			2,071			2,201			2,164			2,271			2,182			2,260			2,199			2,177			2,246			2,268			2,108			7,957			8,877			8,890
Net Credit Losses	284			256			246			235			220			234			239			209			191			230			317			247			212			1,021			902			985
Credit Reserve Build / (Release)	(8		)	(146		)	(139		)	(62		)	(23		)	(43		)	(62		)	82			53			31			(103		)	(27		)	(29		)	(355		)	(46		)	(46		)
Provision for Unfunded Lending Commitments				(1		)																															14			(1		)
Provision for Benefits & Claims
Provision for Credit Losses and for Benefits and Claims	276			109			107			173			197			191			177			291			244			261			214			220			197			665			856			939
Income from Continuing Operations before Taxes	1,644			1,542			1,370			1,242			1,276			1,325			1,923			949			1,524			1,376			1,254			1,040			1,692			5,798			5,473			5,194
Income Taxes	294			388			381			232			332			349			522			315			415			406			331			304			575			1,295			1,518			1,456
Income from Continuing Operations	1,350			1,154			989			1,010			944			976			1,401			634			1,109			970			923			736			1,117			4,503			3,955			3,738
Noncontrolling Interests	1			1			1			1			1			1			1			1			1			1			1			1			1			4			4			4
Net Income	$	1,349		$	1,153		$	988		$	1,009		$	943		$	975		$	1,400		$	633		$	1,108		$	969		$	922		$	735		$	1,116		$	4,499		$	3,951		$	3,734
Average Assets (in billions of dollars)	$	302		$	309		$	324		$	339		$	344		$	356		$	357		$	344		$	346		$	353		$	356		$	353		$	351		$	319		350			$	352
Return on Average Assets	1.81		%	1.50		%	1.21		%	1.18		%	1.11		%	1.10		%	1.56		%	0.73		%	1.29		%	1.10		%	1.03		%	0.83		%	1.29		%	1.41		%	1.13		%	1.06		%
Efficiency Ratio	49		%	53		%	58		%	61		%	59		%	60		%	51		%	65		%	55		%	57		%	60		%	64		%	53		%	55		%	58		%	59		%

Revenue by Business
Retail Banking	$	1,137		$	1,174		$	1,171		$	1,215		$	1,182		$	1,270		$	1,292		$	1,224		$	1,230		$	1,165		$	1,196		$	1,175		$	1,200		$	4,697		$	4,968		$	4,766
Citi-Branded Cards	662			669			666			714			718			760			778			799			768			787			787			820			760			2,711			3,055			3,162
Regional Consumer Banking	1,799			1,843			1,837			1,929			1,900			2,030			2,070			2,023			1,998			1,952			1,983			1,995			1,960			$	7,408		$	8,023		$	7,928
Securities and Banking	1,329			1,009			1,019			965			1,044			1,032			1,459			735			1,218			1,112			1,017			852			1,365			4,322			4,270			4,199
Transaction Services	617			659			692			722			693			725			753			742			751			750			714			681			672			2,690			2,913			2,896
Total	$	3,745		$	3,511		$	3,548		$	3,616		$	3,637		$	3,787		$	4,282		$	3,500		$	3,967		$	3,814		$	3,714		$	3,528		$	3,997		$	14,420		$	15,206		$	15,023

CVA/DVA {included as applicable in businesses above}	58			101			9			(80		)	(31		)	13			213			(23		)	(141		)	95			(108		)	(77		)	(14		)	88			172			(231		)
Total Revenues - Excluding CVA/DVA (2)	$	3,687		$	3,410		$	3,539		$	3,696		$	3,668		$	3,774		$	4,069		$	3,523		$	4,108		$	3,719		$	3,822		$	3,605		$	4,011		14,332			15,034			15,254

Income from Continuing Operations by Business
Retail Banking	$	413		$	374		$	333		$	340		$	290		$	315		$	366		$	243		$	304		$	242		$	252		$	189		$	257		$	1,460		$	1,214		$	987
Citi-Branded Cards	147			180			159			163			162			164			195			168			197			207			198			207			160			649			689			809
Regional Consumer Banking	560			554			492			503			452			479			561			411			501			449			450			396			417			$	2,109		$	1,903		$	1,796
Securities and Banking	475			308			184			193			213			212			528			(49		)	311			252			193			78			446			1,160			904			834
Transaction Services	315			292			313			314			279			285			312			272			297			269			280			262			254			1,234			1,148			1,108
Total	$	1,350		$	1,154		$	989		$	1,010		$	944		$	976		$	1,401		$	634		$	1,109		$	970		$	923		$	736		$	1,117		$	4,503		$	3,955		$	3,738

(1) Regional results do not include Corporate/Other. See page 21 for Corporate/Other results.

(2) Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.

Reclassified to conform to the current periods presentation.

CITI HOLDINGS

INCOME STATEMENT AND BALANCE SHEET DATA

(In millions of dollars, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012
Revenues
Net interest revenue	$	2,627		$	2,272		$	1,875		$	1,351		$	1,043		$	1,046		$	783		$	854		$	709		$	595		$	680		$	635		$	753		8,125			$	3,726		$	2,619
Non-interest revenue	2,057			873			261			996			617			1,372			354			244			173			343			(4,359		)	432			148			4,187			2,587			(3,411		)
Total revenues, net of interest expense	4,684			3,145			2,136			2,347			1,660			2,418			1,137			1,098			882			938			(3,679		)	1,067			901			12,312			6,313			(792		)

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses (1) (2)	3,784			3,645			3,460			3,069			3,018			2,165			1,881			1,512			1,734			1,329			1,807			972			930			13,958			8,576			5,842
Credit Reserve Build / (Release) (1) (2) (3)	340			(601		)	(1,034		)	(1,199		)	(1,558		)	(575		)	(532		)	(612		)	(550		)	(250		)	(797		)	46			(347		)	(2,494		)	(3,277		)	(1,551		)
Provision for loan losses	4,124			3,044			2,426			1,870			1,460			1,590			1,349			900			1,184			1,079			1,010			1,018			583			11,464			5,299			4,291
Provision for Benefits & Claims	234			176			184			187			204			183			204			188			171			165			160			155			168			781			779			651
Provision for unfunded lending commitments	(26		)	(45		)	26			(37		)	21			(8		)	(3		)	(51		)	(26		)	(19		)	(16		)	5			(4		)	(82		)	(41		)	(56		)
Total provisions for credit losses and for benefits and claims	4,332			3,175			2,636			2,020			1,685			1,765			1,550			1,037			1,329			1,225			1,154			1,178			747			12,163			6,037			4,886

Total operating expenses	1,973			1,883			1,680			1,808			1,441			1,653			1,510			1,853			1,217			1,235			1,187			1,604			1,502			7,344			6,457			5,243

Income (Loss) from Continuing Operations before Income Taxes	(1,621		)	(1,913		)	(2,180		)	(1,481		)	(1,466		)	(1,000		)	(1,923		)	(1,792		)	(1,664		)	(1,522		)	(6,020		)	(1,715		)	(1,348		)	(7,195		)	(6,181		)	(10,921		)
Provision (benefits) for income taxes	(867		)	(669		)	(790		)	(471		)	(517		)	(397		)	(709		)	(487		)	(647		)	(613		)	(2,467		)	(666		)	(559		)	(2,797		)	(2,110		)	(4,393		)

Income (Loss) from Continuing Operations	(754		)	(1,244		)	(1,390		)	(1,010		)	(949		)	(603		)	(1,214		)	(1,305		)	(1,017		)	(909		)	(3,553		)	(1,049		)	(789		)	(4,398		)	(4,071		)	(6,528		)

Noncontrolling Interests	11			8			80			108			61			50			7			1			2			1									5			207			119			3
Citi Holdings Net Income (Loss)	$	(765	)	$	(1,252	)	$	(1,470	)	$	(1,118	)	$	(1,010	)	$	(653	)	$	(1,221	)	$	(1,306	)	$	(1,019	)	$	(910	)	$	(3,553	)	$	(1,049	)	$	(794	)	$	(4,605	)	$	(4,190	)	$	(6,531	)

Balance Sheet Data (in billions):

Total Average Assets	$	470		$	444		$	407		$	360		$	305		$	275		$	260		$	236		$	223		$	202		$	184		$	166		$	153		$	420		$	269		$	194

Total EOP Assets	$	458		$	420		$	377		$	313		$	295		$	265		$	247		$	225		$	209		$	191		$	171		$	156		$	149		$	313		$	225		$	156

Total EOP Loans	$	298		$	270		$	219		$	199		$	180		$	168		$	155		$	141		$	134		$	128		$	122		$	116		$	108		$	199		$	141		$	116

Total EOP Deposits	$	80		$	77		$	78		$	76		$	74		$	70		$	68		$	62		$	63		$	63		$	67		$	68		$	66		$	76		$	62		$	68

(1) The first quarter of 2012 includes approximately $370 million of incremental charge-offs of previously deferred principal balances on modified loans related to anticipated forgiveness of principal largely in connection with the National Mortgage Settlement. There was a corresponding approximate $350 million release in the first quarter of 2012 allowance for loan losses related to these charge-offs.

(2) The third quarter of 2012 includes approximately $635 million of incremental charge-offs related to Office of the Comptroller of the Currency (OCC) guidance which required mortgage loans to borrowers that have gone through Chapter 7 of the U.S. Bankruptcy Code to be written down to collateral value. There was a corresponding approximate $600 million release in the third quarter of 2012 allowance for loan losses related to these charge-offs. The fourth quarter of 2012 includes a benefit of approximately $40 million to charge offs related to finalizing the impact of this OCC guidance.

(3) The first quarter of 2012, second quarter of 2012, third quarter of 2012, fourth quarter of 2012 and first quarter of 2013 includes $60 million, $73 million, $32 million, $100 million and $148 million, respectively, of builds (releases) related to gains/(losses) on loan sales.

Reclassified to conform to the current periods presentation.

CITI HOLDINGS

BROKERAGE AND ASSET MANAGEMENT

(In millions of dollars, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Net Interest Revenue	$	(65	)	$	(71	)	$	(87	)	$	(55	)	$	(47	)	$	(44	)	$	(42	)	$	(49	)	$	(131	)	$	(122	)	$	(117	)	$	(103	)	$	(84	)	$	(278	)	$	(182	)	$	(473	)
Non-Interest Revenue	405			211			78			190			184			91			97			92			83			209			(4,687		)	167			67			884			464			(4,228		)
Total Revenues, Net of Interest Expense (1)	340			140			(9		)	135			137			47			55			43			(48		)	87			(4,804		)	64			(17		)	606			282			(4,701		)
Total Operating Expenses	273			267			231			216			174			230			145			179			157			126			85			95			105			987			728			463
Net Credit Losses	11			1			2			3			1						3																					17			4
Credit Reserve Build / (Release)	(7		)	(3		)	(4		)	(4		)	(1		)	(2		)							(1		)													(18		)	(3		)	(1		)
Provision for Benefits & Claims	9			9			9			11			8			9			11			20																		38			48
Provision for Unfunded Lending Commitments				(6		)										1			(1		)	(1		)																(6		)	(1		)
Provision for Loan Losses and for Benefits and Claims	13			1			7			10			8			8			13			19			(1		)													31			48			(1		)
Income (loss) from Continuing Operations before Taxes	54			(128		)	(247		)	(91		)	(45		)	(191		)	(103		)	(155		)	(204		)	(39		)	(4,889		)	(31		)	(122		)	(412		)	(494		)	(5,163		)
Income Taxes (benefits)	(22		)	(34		)	(93		)	(36		)	(35		)	(91		)	(20		)	(62		)	(67		)	(15		)	(1,871		)	(19		)	(43		)	(185		)	(208		)	(1,972		)
Income (loss) from Continuing Operations	76			(94		)	(154		)	(55		)	(10		)	(100		)	(83		)	(93		)	(137		)	(24		)	(3,018		)	(12		)	(79		)	(227		)	(286		)	(3,191		)
Noncontrolling Interests	(5		)	7			6			3			2			1			7			(1		)	1			1			1						5			11			9			3
Net Income (Loss)	$	81		$	(101	)	$	(160	)	$	(58	)	$	(12	)	$	(101	)	$	(90	)	$	(92	)	$	(138	)	$	(25	)	$	(3,019	)	$	(12	)	$	(84	)	$	(238	)	$	(295	)	$	(3,194	)

EOP Assets (in billions of dollars)	$	31		$	30		$	29		$	27		$	27		$	27		$	27		$	27		$	26		$	22		$	9		$	9		$	9		$	27		27			$	9

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

(1) Third quarter of 2012 includes the recognition of a $3,340 million impairment charge related to the carrying value of Citis remaining 35% investment in the Morgan Stanley Smith Barney joint venture (MSSB JV). Third quarter of 2012 also includes a non-cash charge of $1,344 million, representing a loss on Citis sale of the 14% interest in the MSSB JV to Morgan Stanley.

Reclassified to conform to the current periods presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING

Page 1

(In millions of dollars, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Net Interest Revenue	$	2,262		$	1,978		$	1,728		$	1,173		$	1,020		$	1,214		$	1,049		$	987		$	929		$	782		$	840		$	784		$	840		$	7,141		$	4,270		$	3,335
Non-Interest Revenue	532			444			92			602			499			131			249			291			395			150			264			221			216			1,670			1,170			1,030
Total Revenues, Net of Interest Expense	2,794			2,422			1,820			1,775			1,519			1,345			1,298			1,278			1,324			932			1,104			1,005			1,056			8,811			5,440			4,365
Total Operating Expenses	1,565			1,487			1,328			1,406			1,185			1,328			1,304			1,619			997			1,043			983			1,431			825			5,786			5,436			4,454
Net Credit Losses (1) (2)	3,481			3,182			2,769			2,496			2,347			1,946			1,676			1,535			1,752			1,289			1,824			1,005			920			11,928			7,504			5,870
Credit Reserve Build / (Release) (1) (2) (3)	386			(222		)	(420		)	(509		)	(556		)	(182		)	(255		)	(426		)	(520		)	(186		)	(760		)	56			(325		)	(765		)	(1,419		)	(1,410		)
Provision for Benefits & Claims	225			167			175			176			196			174			193			168			171			165			160			155			168			743			731			651
Provision for Unfunded Lending Commitments
Provision for Loan Losses and for Benefits and Claims	4,092			3,127			2,524			2,163			1,987			1,938			1,614			1,277			1,403			1,268			1,224			1,216			763			11,906			6,816			5,111
Income (loss) from Continuing Operations before Taxes	(2,863		)	(2,192		)	(2,032		)	(1,794		)	(1,653		)	(1,921		)	(1,620		)	(1,618		)	(1,076		)	(1,379		)	(1,103		)	(1,642		)	(532		)	(8,881		)	(6,812		)	(5,200		)
Income Taxes (benefits)	(1,148		)	(919		)	(872		)	(584		)	(645		)	(733		)	(609		)	(416		)	(443		)	(560		)	(411		)	(598		)	(239		)	(3,523		)	(2,403		)	(2,012		)
Income (loss) from Continuing Operations	(1,715		)	(1,273		)	(1,160		)	(1,210		)	(1,008		)	(1,188		)	(1,011		)	(1,202		)	(633		)	(819		)	(692		)	(1,044		)	(293		)	(5,358		)	(4,409		)	(3,188		)
Noncontrolling Interests				7						1												2			1						(1		)							8			2
Net Income (Loss)	$	(1,715	)	$	(1,280	)	$	(1,160	)	$	(1,211	)	$	(1,008	)	$	(1,188	)	$	(1,011	)	$	(1,204	)	$	(634	)	$	(819	)	$	(691	)	$	(1,044	)	$	(293	)	$	(5,366	)	$	(4,411	)	$	(3,188	)
Average Assets (in billions of dollars)	$	309		$	290		$	274		$	247		$	203		$	191		$	184		$	166		$	157		$	143		$	136		$	131		$	124		$	280		$	186		$	142
EOP Assets (in billions of dollars)	$	301		$	278		$	253		$	206		$	195		$	185		$	175		$	157		$	147		$	137		$	134		$	126		$	122		$	206		$	157		$	126

Net Credit Losses as a % of Average Loans	5.20		%	4.94		%	5.33		%	5.25		%	5.43		%	4.72		%	4.29		%	4.24		%	5.31		%	4.09		%	5.96		%	3.45		%	3.37		%	5.16		%	4.69		%	4.72		%

Revenue by Business
International	$	318		$	434		$	490		$	214		$	89		$	373		$	198		$	252		$	361		$	160		$	147		$	111		$	105		$	1,456		$	912		$	779
North America	2,476			1,988			1,330			1,561			1,430			972			1,100			1,026			963			772			957			894			951			7,355			4,528			3,586
Total Revenues	$	2,794		$	2,422		$	1,820		$	1,775		$	1,519		$	1,345		$	1,298		$	1,278		$	1,324		$	932		$	1,104		$	1,005		$	1,056		$	8,811		$	5,440		$	4,365

Net Credit Losses by Business
International	$	612		$	495		$	444		$	376		$	341		$	286		$	237		$	193		$	171		$	154		$	121		$	90		$	85		$	1,927		$	1,057		$	536
North America	2,869			2,687			2,325			2,120			2,006			1,660			1,439			1,342			1,581			1,135			1,703			915			835			10,001			6,447			5,334
Total Net Credit Losses	$	3,481		$	3,182		$	2,769		$	2,496		$	2,347		$	1,946		$	1,676		$	1,535		$	1,752		$	1,289		$	1,824		$	1,005		$	920		$	11,928		$	7,504		$	5,870

Income (Loss) from Continuing Operations by Business
International	$	(555	)	$	(181	)	$	(112	)	$	(281	)	$	(339	)	$	(137	)	$	(157	)	$	(232	)	$	76		$	(94	)	$	(99	)	$	(150	)	$	(100	)	$	(1,129	)	$	(865	)	$	(267	)
North America	(1,160		)	(1,092		)	(1,048		)	(929		)	(669		)	(1,051		)	(854		)	(970		)	(709		)	(725		)	(593		)	(894		)	(193		)	(4,229		)	(3,544		)	(2,921		)
Total Income (Loss) from Continuing Operations	$	(1,715	)	$	(1,273	)	$	(1,160	)	$	(1,210	)	$	(1,008	)	$	(1,188	)	$	(1,011	)	$	(1,202	)	$	(633	)	$	(819	)	$	(692	)	$	(1,044	)	$	(293	)	$	(5,358	)	$	(4,409	)	$	(3,188	)

Reclassified to conform to the current periods presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING - Page 2

(In millions of dollars, except as otherwise noted)


	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013

International Key Indicators

Branches (actual)	534			532			532			501			498			498			408			395			394			357			357			90			90

Average Loans (in billions) (1)	$	30.0		$	26.1		$	25.0		$	23.6		$	18.9		$	17.9		$	15.9		$	14.4		$	10.7		$	9.6		$	9.0		$	8.2		$	7.3

EOP Loans (1):
Real Estate Lending	$	7.5		$	7.0		$	7.0		$	6.6		$	6.5		$	5.5		$	5.3		$	5.0		$	4.9		$	4.5		$	4.5		$	4.2		$	3.7
Cards	6.8			6.2			6.5			6.2			3.5			3.6			3.3			2.7			2.7			2.6			2.6			2.5			2.3
Commercial Markets	1.2			1.2			1.2			1.2			1.1			1.0			0.7			0.5			0.6			0.5			0.4			0.1			0.1
Personal and Other	12.2			10.2			10.0			7.9			5.0			6.4			5.5			2.6			2.0			1.7			1.3			0.8			0.5
EOP Loans (in billions of dollars)	$	27.7		$	24.6		$	24.7		$	21.9		$	16.1		$	16.5		$	14.8		$	10.8		$	10.2		$	9.3		$	8.8		$	7.6		$	6.6
Net Interest Revenue	$	465		$	391		$	395		$	135		$	5		$	277		$	175		$	248		$	262		$	121		$	138		$	94		$	83
As a % of Average Loans	6.29		%	6.01		%	6.27		%	2.27		%	0.11		%	6.21		%	4.37		%	6.83		%	9.85		%	5.07		%	6.10		%	4.56		%	4.61		%
Net Credit Losses	$	612		$	495		$	444		$	376		$	341		$	286		$	237		$	193		$	171		$	154		$	121		$	90		$	85
As a % of Average Loans	8.27		%	7.61		%	7.05		%	6.32		%	7.32		%	6.41		%	5.91		%	5.32		%	6.43		%	6.45		%	5.35		%	4.37		%	4.72		%
Loans 90+ Days Past Due	$	952		$	724		$	713		$	657		$	572		$	530		$	480		$	422		$	428		$	363		$	366		$	345		$	269
As a % of EOP Loans	3.44		%	2.94		%	2.89		%	3.00		%	3.55		%	3.21		%	3.24		%	3.91		%	4.20		%	3.90		%	4.16		%	4.54		%	4.08		%
Loans 30-89 Days Past Due	$	1,060		$	938		$	978		$	848		$	814		$	726		$	677		$	499		$	519		$	453		$	436		$	393		$	286
As a % of EOP Loans	3.83		%	3.81		%	3.96		%	3.87		%	5.06		%	4.40		%	4.57		%	4.62		%	5.09		%	4.87		%	4.95		%	5.17		%	4.33		%

North America Key Indicators (1)

Branches (actual)	2,250			2,218			1,841			1,837			1,835			1,816			1,794			1,729			1,720			1,592			1,582			1,564			1,501

Average Loans (in billions of dollars)	$	241.7		$	232.3		$	181.2		$	165.1		$	156.5		$	147.6		$	139.0		$	129.4		$	122.1		$	117.1		$	112.7		$	107.7		$	103.4

EOP Loans (in billions of dollars)	$	237.1		$	218.8		$	171.1		$	159.6		$	150.3		$	141.8		$	132.6		$	123.9		$	118.9		$	114.6		$	109.1		$	105.1		$	98.3
Net Interest Revenue	$	1,797		$	1,587		$	1,333		$	1,038		$	1,015		$	937		$	874		$	739		$	667		$	661		$	702		$	690		$	757
As a % of Average Loans	3.02		%	2.74		%	2.92		%	2.49		%	2.63		%	2.55		%	2.49		%	2.27		%	2.20		%	2.27		%	2.48		%	2.55		%	2.97		%
Net Credit Losses	$	2,869		$	2,687		$	2,325		$	2,120		$	2,006		$	1,660		$	1,439		$	1,342		$	1,581		$	1,135		$	1,703		$	915		$	835
As a % of Average Loans	4.81		%	4.64		%	5.09		%	5.09		%	5.20		%	4.51		%	4.11		%	4.11		%	5.21		%	3.90		%	6.01		%	3.38		%	3.28		%
Loans 90+ Days Past Due (2) (3)	$	13,918		$	12,006		$	9,591		$	8,137		$	6,763		$	5,518		$	5,311		$	5,427		$	5,220		$	4,991		$	4,608		$	4,266		$	3,409
As a % of EOP Loans	6.18		%	5.81		%	6.02		%	5.44		%	4.81		%	4.18		%	4.31		%	4.73		%	4.75		%	4.71		%	4.58		%	4.41		%	3.78		%
Loans 30-89 Days Past Due (2) (3)	$	9,281		$	8,537		$	7,756		$	7,087		$	5,469		$	5,335		$	5,322		$	4,649		$	4,079		$	4,161		$	4,317		$	3,835		$	3,121
As a % of EOP Loans	4.12		%	4.13		%	4.87		%	4.74		%	3.89		%	4.04		%	4.32		%	4.05		%	3.71		%	3.93		%	4.29		%	3.96		%	3.46		%

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

(2) See Footnote 1 on page 30.

(3) See Footnote 2 on page 30.

Reclassified to conform to the current periods presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING - Page 3

(In millions of dollars, except as otherwise noted)


	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013

KEY INDICATORS:

Residential Real Estate Lending

Residential First	$	97.9		$	94.5		$	88.0		$	82.9		$	78.9		$	75.2		$	71.9		$	68.8		$	66.6		$	64.2		$	62.0		$	59.2		$	56.8
Home Equity	53.1			51.1			49.4			46.8			45.3			43.4			42.1			40.8			39.5			37.9			36.6			34.9			33.5
Average Loans (in billions of dollars)	$	151.0		$	145.6		$	137.4		$	129.7		$	124.2		$	118.6		$	114.0		$	109.6		$	106.1		$	102.1		$	98.6		$	94.1		$	90.3

Residential First	$	96.1		$	90.0		$	85.0		$	80.1		$	76.0		$	73.2		$	69.6		$	67.5		$	65.0		$	62.6		$	59.9		$	57.7		$	53.5
Home Equity	52.0			50.1			47.9			45.9			44.4			42.8			41.3			40.0			38.6			37.2			35.4			34.1			32.6
EOP Loans (in billions of dollars)	$	148.1		$	140.1		$	132.9		$	126.0		$	120.4		$	116.0		$	110.9		$	107.5		$	103.6		$	99.8		$	95.3		$	91.8		$	86.1

Third Party Mortgage Serv Portfolio (EOP, in billions)	$	341.4		$	327.6		$	307.7		$	259.9		$	244.4		$	234.8		$	207.2		$	195.1		$	182.3		$	168.4		$	155.1		$	142.9		$	128.8
Net Servicing & Gain/(Loss) on Sale	$	69.5		$	180.7		$	80.8		$	172.2		$	53.4		$	(20.3	)	$	86.4		$	118.1		$	77.3		$	(124.2	)	$	81.3		$	77.6		$	78.8
Net Interest Revenue on Loans	$	571		$	458		$	438		$	409		$	437		$	373		$	312		$	258		$	269		$	280		$	305		$	283		$	320
As a % of Avg. Loans	1.53		%	1.26		%	1.26		%	1.25		%	1.43		%	1.26		%	1.09		%	0.93		%	1.02		%	1.10		%	1.23		%	1.20		%	1.44		%

Residential First	$	752		$	691		$	588		$	499		$	554		$	461		$	437		$	412		$	745		$	426		$	622		$	367		$	318
Home Equity	951			857			795			771			713			627			542			533			561			448			863			355			312
Net Credit Losses	$	1,703		$	1,548		$	1,383		$	1,270		$	1,267		$	1,088		$	979		$	945		$	1,306		$	874		$	1,485		$	722		$	630
As a % of Avg. Loans	4.57		%	4.26		%	3.99		%	3.88		%	4.14		%	3.68		%	3.41		%	3.42		%	4.95		%	3.44		%	5.99		%	3.05		%	2.83		%

Residential First	$	9,513		$	7,891		$	6,841		$	5,492		$	4,448		$	3,824		$	3,694		$	3,931		$	3,878		$	3,774		$	3,439		$	3,114		$	2,436
Home Equity	1,391			1,365			1,340			1,308			1,180			1,034			1,011			1,004			903			863			833			822			722
Loans 90+ Days Past Due (1) (2)	$	10,904		$	9,256		$	8,181		$	6,800		$	5,628		$	4,858		$	4,705		$	4,935		$	4,781		$	4,637		$	4,272		$	3,936		$	3,158
As a % of EOP Loans	8.01		%	7.23		%	6.76		%	5.87		%	5.09		%	4.57		%	4.64		%	5.02		%	5.05		%	5.08		%	4.92		%	4.71		%	4.05		%

Residential First	$	4,903		$	4,536		$	4,521		$	4,183		$	3,295		$	3,444		$	3,490		$	3,387		$	3,024		$	3,134		$	3,326		$	2,911		$	2,411
Home Equity	1,411			1,233			1,248			1,190			968			897			906			861			744			725			689			630			517
Loans 30-89 Days Past Due (1) (2)	$	6,314		$	5,769		$	5,769		$	5,373		$	4,263		$	4,341		$	4,396		$	4,248		$	3,768		$	3,859		$	4,015		$	3,541		$	2,928
As a % of EOP Loans	4.64		%	4.50		%	4.77		%	4.64		%	3.85		%	4.08		%	4.33		%	4.32		%	3.98		%	4.23		%	4.62		%	4.24		%	3.76		%

Personal Loans
Average Loans (in billions of dollars)	$	14.4		$	13.5		$	12.9		$	12.6		$	12.1		$	11.6		$	11.3		$	11.0		$	10.7		$	10.3		$	10.2		$	10.0		$	9.7
EOP Loans (in billions of dollars)	$	14.0		$	13.2		$	12.8		$	12.4		$	11.7		$	11.5		$	11.1		$	10.9		$	10.4		$	10.2		$	10.1		$	10.0		$	9.0
Net Interest Revenue on Loans	$	603		$	555		$	538		$	536		$	509		$	519		$	522		$	517		$	499		$	488		$	499		$	500		$	511
As a % of Avg. Loans	16.98		%	16.49		%	16.55		%	16.88		%	17.06		%	17.95		%	18.33		%	18.65		%	18.76		%	19.06		%	19.46		%	19.89		%	21.36		%
Net Credit Losses	$	379		$	425		$	360		$	348		$	383		$	314		$	246		$	236		$	226		$	208		$	183		$	172		$	186
As a % of Avg. Loans	10.67		%	12.63		%	11.07		%	10.96		%	12.84		%	10.86		%	8.64		%	8.51		%	8.50		%	8.12		%	7.14		%	6.84		%	7.78		%
Loans 90+ Days Past Due	$	512		$	428		$	475		$	536		$	440		$	349		$	351		$	354		$	320		$	266		$	283		$	290		$	218
As a % of EOP Loans	3.66		%	3.24		%	3.71		%	4.32		%	3.76		%	3.03		%	3.16		%	3.25		%	3.08		%	2.61		%	2.80		%	2.90		%	2.42		%
Loans 30-89 Days Past Due	$	325		$	342		$	403		$	334		$	243		$	251		$	247		$	239		$	179		$	200		$	206		$	204		$	125
As a % of EOP Loans	2.32		%	2.59		%	3.15		%	2.69		%	2.08		%	2.18		%	2.23		%	2.19		%	1.72		%	1.96		%	2.04		%	2.04		%	1.39		%

The amounts excluded for Loans 90+Days Past Due and (EOP Loans) for each period were $4.4 billion and ($7.7 billion), $4.3 billion and ($7.4 billion), $4.1 billion and ($7.2 billion), $4.0 billion and ($7.1 billion) and $3.7 billion and ($7.0 billion) as of March 31, 2012, June 30, 2012, September 30, 2012, December 31, 2012 and March 31, 2013, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) for each period were $1.3 billion and ($7.7 billion), $1.3 billion and ($7.4 billion), $1.3 billion and ($7.2 billion), $1.2 billion and ($7.1 billion) and $1.2 billion and ($7.0 billion) as of March 31, 2012, June 30, 2012, September 30, 2012, December 31, 2012 and March 31, 2013, respectively.

(2) The March 31, 2012, June 30, 2012, September 30, 2012, December 31, 2012 and March 31, 2013 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes $1.3 billion, $1.2 billion, $1.2 billion, $1.2 billion and $1.2 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, except as otherwise noted)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Net Interest Revenue	$	430		$	365		$	234		$	233		$	70		$	(124	)	$	(224	)	$	(84	)	$	(89	)	$	(65	)	$	(43	)	$	(46	)	$	(3	)	$	1,262		$	(362	)	$	(243	)
Non-Interest Revenue	1,120			218			91			204			(66		)	1,150			8			(139		)	(305		)	(16		)	64			44			(135		)	1,633			953			(213		)
Total Revenues, Net of Interest Expense	1,550			583			325			437			4			1,026			(216		)	(223		)	(394		)	(81		)	21			(2		)	(138		)	2,895			591			(456		)
Total Operating Expenses	135			129			121			186			82			95			61			55			63			66			119			78			572			571			293			326
Net Credit Losses	292			462			689			570			670			219			202			(23		)	(18		)	40			(17		)	(33		)	10			2,013			1,068			(28		)
Credit Reserve Build / (Release)	(39		)	(376		)	(610		)	(686		)	(1,001		)	(391		)	(277		)	(186		)	(29		)	(64		)	(37		)	(10		)	(22		)	(1,711		)	(1,855		)	(140		)
Provision for Benefits & Claims
Provision for Unfunded Lending Commitments	(26		)	(39		)	26			(37		)	21			(9		)	(2		)	(50		)	(26		)	(19		)	(16		)	5			(4		)	(76		)	(40		)	(56		)
Provision for Loan Losses and for Benefits and Claims	227			47			105			(153		)	(310		)	(181		)	(77		)	(259		)	(73		)	(43		)	(70		)	(38		)	(16		)	226			(827		)	(224		)
Income from Continuing Operations before Taxes	1,188			407			99			404			232			1,112			(200		)	(19		)	(384		)	(104		)	(28		)	(42		)	(694		)	2,098			1,125			(558		)
Income Taxes	303			284			175			149			163			427			(80		)	(9		)	(137		)	(38		)	(185		)	(49		)	(277		)	911			501			(409		)
Income from Continuing Operations	885			123			(76		)	255			69			685			(120		)	(10		)	(247		)	(66		)	157			7			(417		)	1,187			624			(149		)
Noncontrolling Interests	16			(6		)	74			104			59			49																								188			108
Net Income (Loss)	$	869		$	129		$	(150	)	$	151		$	10		$	636		$	(120	)	$	(10	)	$	(247	)	$	(66	)	$	157		$	7		$	(417	)	$	999		$	516		$	(149	)

EOP Assets (in billions of dollars)	$	126		$	112		$	95		$	80		$	73		$	53		$	45		$	41		$	36		$	32		$	28		$	21		$	18		$	80		41			$	21

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)
	First		Fourth		First		First		Fourth		First		First		Fourth		First
	Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter
In millions of dollars, except as otherwise noted	2012		2012		2013		2012		2012		2013		2012		2012		2013

Assets:
Deposits with Banks	$	160,666	$	149,598	$	123,784	$	365	$	273	$	256	0.91	%	0.73	%	0.84	%
Fed Funds Sold and Resale Agreements (6)	281,888		268,023		272,188		943		748		688		1.35	%	1.11	%	1.03	%
Trading Account Assets (7)	246,997		256,907		265,175		1,738		1,834		1,666		2.83	%	2.84	%	2.55	%
Investments	299,757		302,792		308,190		2,000		1,960		1,890		2.68	%	2.58	%	2.49	%
Total Loans (net of Unearned Income) (8)	643,332		646,369		643,063		12,244		11,733		11,428		7.65	%	7.22	%	7.21	%
Other Interest-Earning Assets	43,229		39,124		42,229		138		166		159		1.28	%	1.69	%	1.53	%
Total Average Interest-Earning Assets	$	1,675,869	$	1,662,813	$	1,654,629	$	17,428	$	16,714	$	16,087	4.18	%	4.00	%	3.94	%

Liabilities:
Deposits (excluding deposit insurance and FDIC Assessment)	$	694,838	$	732,222	$	735,211	$	1,638	$	1,527	$	1,377	0.95	%	0.83	%	0.76	%
Deposit Insurance and FDIC Assessment							372		303		299
Total Deposits	694,838		732,222		735,211		2,010		1,830		1,676		1.16	%	0.99	%	0.92	%
Fed Funds Purchased and Repurchase Agreements (6)	219,332		229,608		233,292		695		656		609		1.27	%	1.14	%	1.06	%
Trading Account Liabilities (7)	76,526		67,623		71,793		53		39		42		0.28	%	0.23	%	0.24	%
Short-Term Borrowings	115,765		104,969		108,705		208		163		163		0.72	%	0.62	%	0.61	%
Long-Term Debt (9)	311,139		235,024		215,739		2,612		1,977		1,840		3.38	%	3.35	%	3.46	%
Total Average Interest-Bearing Liabilities	$	1,417,600	$	1,369,446	$	1,364,740	$	5,578	$	4,665	$	4,330	1.58	%	1.36	%	1.29	%
Total Average Interest-Bearing Liabilities (excluding deposit insurance and FDIC Assessment)	$	1,417,600	$	1,369,446	$	1,364,740	$	5,206	$	4,362	$	4,031	1.48	%	1.27	%	1.20	%

Net Interest Revenue as a % of Average Interest-Earning Assets (NIM)							$	11,850	$	12,049	$	11,757	2.84	%	2.88	%	2.88	%

NIR as a % of Average Interest-Earning Assets (NIM) (excluding deposit insurance and FDIC Assessment)							$	12,222	$	12,352	$	12,056	2.93	%	2.96	%	2.95	%

1Q13 Increase (Decrease) From													4	bps		bps

1Q13 Increase (Decrease) (excluding deposit insurance and FDIC Assessment) From													2	bps	(1	)bps

(1) Interest Revenue includes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $134 million for the first quarter of 2012, $133 million for the fourth quarter of 2012 and $127 million for the first quarter of 2013.

(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.

DEPOSITS

(In billions of dollars)


	1Q			2Q		3Q			4Q			1Q			2Q			3Q			4Q		1Q			2Q		3Q			4Q			1Q
	2010			2010		2010			2010			2011			2011			2011			2011		2012			2012		2012			2012			2013

Citicorp Deposits by Business

Global Consumer Banking
North America	$	147.1		$	145.4	$	144.7		$	145.5		$	145.8		$	144.4		$	147.8		$	149.2	$	153.5		$	153.2	$	156.9		$	165.2		$	166.8
EMEA	14.5			13.4		13.7			12.6			12.7			12.8			12.1			12.1		12.8			12.6		12.9			13.2			13.1
Latin America	40.4			40.8		41.5			45.8			48.5			48.4			43.2			44.3		46.1			45.8		47.3			48.6			49.1
Asia	98.3			97.1		105.4			107.4			109.7			112.7			109.3			109.7		110.7			112.5		113.1			110.0			106.8
Total	$	300.3		$	296.7	$	305.3		$	311.3		$	316.7		$	318.3		$	312.4		$	315.3	$	323.1		$	324.1	$	330.2		$	337.0		$	335.8

ICG
Securities and Banking	$	120.6		$	112.4	$	115.6		$	111.4		$	115.0		$	113.7		$	104.3		$	110.9	$	122.9		$	121.5	$	119.4		$	114.4		$	111.9
Transaction Services	314.7			315.1		342.0			340.4			355.6			359.0			362.6			373.1		393.3			399.3		425.5			408.7			411.6
Total	$	435.3		$	427.5	$	457.6		$	451.8		$	470.6		$	472.7		$	466.9		$	484.0	$	516.2		$	520.8	$	544.9		$	523.1		$	523.5

Corporate/Other	$	12.0		$	12.5	$	9.4		$	5.7		$	4.7		$	4.9		$	4.0		$	5.0	$	3.5		$	6.7	$	2.7		$	2.5		$	8.8

Total Citicorp	$	747.6		$	736.7	$	772.3		$	768.8		$	792.0		$	795.9		$	783.3		$	804.3	$	842.8		$	851.6	$	877.8		$	862.6		$	868.1

Citi Holdings Deposits
Brokerage and Asset Management	$	58.9		$	57.1	$	56.9		$	57.8		$	57.6		$	55.2		$	53.7		$	54.6	$	55.0		$	54.7	$	58.1		$	59.3		$	57.4
Local Consumer Lending	21.4			20.2		20.9			18.4			16.3			15.2			14.3			7.0		8.2			8.0		8.7			8.7			8.3
Total Citi Holdings	$	80.3		$	77.3	$	77.8		$	76.2		$	73.9		$	70.4		$	68.0		$	61.6	$	63.2		$	62.7	$	66.8		$	68.0		$	65.7

Total Citigroup Deposits - EOP	$	827.9		$	814.0	$	850.1		$	845.0		$	865.9		$	866.3		$	851.3		$	865.9	$	906.0		$	914.3	$	944.6		$	930.6		$	933.8

Total Citigroup Deposits - Average	$	825.2		$	819.3	$	837.0		$	848.9		$	853.0		$	868.1		$	860.5		$	857.0	$	869.1		$	893.4	$	921.2		$	928.9		$	920.4

FX Translation Impact:
Total Citigroup EOP Deposits - as Reported	$	827.9		$	814.0	$	850.1		$	845.0		$	865.9		$	866.3		$	851.3		$	865.9	$	906.0		$	914.3	$	944.6		$	930.6		$	933.8
Impact of FX Translation (1)	(2.6		)	11.4		(10.1		)	(11.1		)	(20.8		)	(25.7		)	(1.8		)	1.9		(8.9		)	2.0		(7.1		)	(6.8		)
Total Citigroup EOP Deposits - Ex-FX (2)	$	825.3		$	825.4	$	840.0		$	833.9		$	845.1		$	840.6		$	849.5		$	867.8	$	897.1		$	916.3	$	937.5		$	923.8		$	933.8

(1) Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the first quarter of 2013 exchange rates for all periods presented.

(2) Presentation of this metric excluding FX translation is a non-GAAP financial measure.

Reclassified to conform to the current periods presentation.

EOP LOANS - Page 1

CITICORP

(In billions of dollars)


	1Q		2Q		3Q			4Q			1Q			2Q			3Q		4Q		1Q			2Q		3Q			4Q			1Q
	2010		2010		2010			2010			2011			2011			2011		2011		2012			2012		2012			2012			2013

Citicorp:
Global Consumer Banking

North America
Credit Cards	$	121.9	$	120.2	$	118.7		$	121.0		$	111.9		$	113.3		$	113.0	$	117.1	$	109.4		$	109.3	$	108.8		$	111.5		$	104.6
Retail Banking	31.5		30.2		29.4			30.7			33.0			34.5			36.5		38.9		40.6			40.9		41.5			42.7			43.1
Total	$	153.4	$	150.4	$	148.1		$	151.7		$	144.9		$	147.8		$	149.5	$	156.0	$	150.0		$	150.2	$	150.3		$	154.2		$	147.7

EMEA
Credit Cards	$	2.9	$	2.6	$	2.9		$	2.8		$	2.9		$	3.0		$	2.7	$	2.7	$	2.9		$	2.8	$	2.9		$	2.9		$	2.8
Retail Banking	4.6		4.0		4.4			4.2			4.5			4.7			4.3		4.2		4.5			4.6		4.9			5.1			5.2
Total	$	7.5	$	6.6	$	7.3		$	7.0		$	7.4		$	7.7		$	7.0	$	6.9	$	7.4		$	7.4	$	7.8		$	8.0		$	8.0

Latin America
Credit Cards	$	11.9	$	12.0	$	12.6		$	13.4		$	13.5		$	14.2		$	12.9	$	13.7	$	14.3		$	13.7	$	14.2		$	14.8		$	14.9
Retail Banking	17.8		18.0		19.1			19.8			21.6			23.2			21.6		23.6		26.1			25.9		27.5			28.3			30.3
Total	$	29.7	$	30.0	$	31.7		$	33.2		$	35.1		$	37.4		$	34.5	$	37.3	$	40.4		$	39.6	$	41.7		$	43.1		$	45.2

Asia
Credit Cards	$	17.1	$	17.0	$	18.3		$	19.7		$	19.2		$	20.0		$	18.9	$	19.9	$	19.6		$	19.6	$	20.0		$	20.4		$	19.4
Retail Banking	54.9		54.9		58.9			61.4			64.4			67.1			65.5		67.3		68.8			67.6		69.3			69.7			69.4
Total	$	72.0	$	71.9	$	77.2		$	81.1		$	83.6		$	87.1		$	84.4	$	87.2	$	88.4		$	87.2	$	89.3		$	90.1		$	88.8

Total Consumer Loans
Credit Cards	$	153.8	$	151.8	$	152.5		$	156.9		$	147.5		$	150.5		$	147.5	$	153.4	$	146.2		$	145.4	$	145.9		$	149.6		$	141.7
Retail Banking	108.8		107.1		111.8			116.1			123.5			129.5			127.9		134.0		140.0			139.0		143.2			145.8			148.0
Total Consumer	$	262.6	$	258.9	$	264.3		$	273.0		$	271.0		$	280.0		$	275.4	$	287.4	$	286.2		$	284.4	$	289.1		$	295.4		$	289.7

Total Corporate Loans
Securities and Banking	$	130.3	$	127.9	$	130.4		$	133.1		$	138.9		$	146.6		$	149.5	$	158.9	$	159.6		$	166.6	$	172.0		$	168.7		$	171.8
Transaction Services	30.6		35.3		40.8			44.1			47.2			52.9			57.8		60.3		68.4			76.1		75.5			75.6			77.2
Total Corporate Loans	$	160.9	$	163.2	$	171.2		$	177.2		$	186.1		$	199.5		$	207.3	$	219.2	$	228.0		$	242.7	$	247.5		$	244.3		$	249.0

Total Citicorp	$	423.5	$	422.1	$	435.5		$	450.2		$	457.1		$	479.5		$	482.7	$	506.6	$	514.2		$	527.1	$	536.6		$	539.7		$	538.7

FX Translation Impact:
Total Citicorp EOP Loans - as Reported	$	423.5	$	422.1	$	435.5		$	450.2		$	457.1		$	479.5		$	482.7	$	506.6	$	514.2		$	527.1	$	536.6		$	539.7		$	538.7
Impact of FX Translation (1)	0.5		6.3		(2.0		)	(4.0		)	(8.0		)	(11.7		)	2.4		3.0		(2.3		)	3.3		(1.8		)	(1.7		)
Total Citicorp EOP Loans - Ex-FX (2)	$	424.0	$	428.4	$	433.5		$	446.2		$	449.1		$	467.8		$	485.1	$	509.6	$	511.9		$	530.4	$	534.8		$	538.0		$	538.7

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

(1) Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the first quarter of 2013 exchange rates for all periods presented.

(2) Presentation of this metric excluding FX translation is a non-GAAP financial measure.

Reclassified to conform to the current periods presentation.

EOP LOANS - Page 2

CITI HOLDINGS AND TOTAL CITIGROUP

(In billions of dollars)


	1Q			2Q		3Q			4Q			1Q			2Q			3Q		4Q		1Q			2Q		3Q			4Q			1Q
	2010			2010		2010			2010			2011			2011			2011		2011		2012			2012		2012			2012			2013

Citi Holdings:

Local Consumer Lending - North America
Real Estate Lending	148.1			140.1		132.9			126.0			120.4			116.0			110.9		107.5		103.6			99.8		95.3			91.8			86.1
All Other	75.0			65.5		25.4			21.2			18.2			14.3			10.6		5.5		4.9			4.6		3.7			3.3			3.2
Personal	14.0			13.2		12.8			12.4			11.7			11.5			11.1		10.9		10.4			10.2		10.1			10.0			9.0
Total	$	237.1		$	218.8	$	171.1		$	159.6		$	150.3		$	141.8		$	132.6	$	123.9	$	118.9		$	114.6	$	109.1		$	105.1		$	98.3

Local Consumer Lending - International
Credit Cards	$	6.8		$	6.2	$	6.5		$	6.2		$	3.5		$	3.6		$	3.3	$	2.7	$	2.7		$	2.6	$	2.6		$	2.5		$	2.3
Retail Banking	20.9			18.4		18.2			15.7			12.6			12.9			11.5		8.1		7.5			6.7		6.2			5.1			4.3
Total	$	27.7		$	24.6	$	24.7		$	21.9		$	16.1		$	16.5		$	14.8	$	10.8	$	10.2		$	9.3	$	8.8		$	7.6		$	6.6

Citi Holdings - Other (Primarily SAP)	33.5			26.7		23.0			17.1			13.6			9.7			7.1		5.9		4.7			4.0		3.9			3.1			2.8

Total Citi Holdings	$	298.3		$	270.1	$	218.8		$	198.6		$	180.0		$	168.0		$	154.5	$	140.6	$	133.8		$	127.9	$	121.8		$	115.8		$	107.7
Total Citigroup	$	721.8		$	692.2	$	654.3		$	648.8		$	637.1		$	647.5		$	637.2	$	647.2	$	648.0		$	655.0	$	658.4		$	655.5		$	646.4

Consumer Loans	$	529.0		$	502.9	$	460.6		$	455.2		$	438.4		$	439.9		$	424.2	$	423.3	$	416.1		$	409.1	$	407.7		$	408.7		$	395.2
Corporate Loans	192.8			189.2		193.7			193.6			198.7			207.6			213.0		223.9		231.9			245.9		250.7			246.8			251.2
Total Citigroup	$	721.8		$	692.1	$	654.3		$	648.8		$	637.1		$	647.5		$	637.2	$	647.2	$	648.0		$	655.0	$	658.4		$	655.5		$	646.4

FX Translation Impact:
Total Citigroup EOP Loans - as Reported	$	721.8		$	692.1	$	654.3		$	648.8		$	637.1		$	647.5		$	637.2	$	647.2	$	648.0		$	655.0	$	658.4		$	655.5		$	646.4
Impact of FX Translation (1)	(0.4		)	7.0		(3.8		)	(5.6		)	(10.0		)	(13.9		)	1.7		2.7		(3.1		)	3.0		(2.5		)	(2.2		)
Total Citigroup EOP Loans - Ex-FX (2)	$	721.4		$	699.1	$	650.5		$	643.2		$	627.1		$	633.6		$	638.9	$	649.9	$	644.9		$	658.0	$	655.9		$	653.3		$	646.4

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

(1) Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the first quarter of 2013 exchange rates for all periods presented.

(2) Presentation of this metric excluding FX translation is a non-GAAP financial measure.

Reclassified to conform to the current periods presentation.

SUPPLEMENTAL DETAIL

CONSUMER LOANS 90+DAYS DELINQUENCY AMOUNTS AND RATIOS

BUSINESS VIEW

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


																									Loans 90+ Days Past Due (1)
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013
Citicorp (2)
Total	$	5,856		$	5,292		$	4,883		$	4,454		$	4,086		$	3,705		$	3,416		$	3,406		$	3,342		$	3,090		$	3,024		$	3,081		$	2,941
*Ratio*	2.24		%	2.05		%	1.86		%	1.64		%	1.52		%	1.33		%	1.25		%	1.19		%	1.17		%	1.09		%	1.05		%	1.05		%	1.02		%

Retail Bank (2)
Total	$	817		$	815		$	843		$	761		$	801		$	812		$	794		$	769		$	843		$	869		$	882		$	879		$	863
Ratio	0.75		%	0.76		%	0.76		%	0.66		%	0.65		%	0.63		%	0.63		%	0.58		%	0.61		%	0.63		%	0.62		%	0.61		%	0.59		%
North America (2)	$	139		$	190		$	221		$	228		$	241		$	211		$	232		$	235		$	260		$	294		$	291		$	280		$	282
Ratio	0.44		%	0.63		%	0.77		%	0.76		%	0.75		%	0.63		%	0.66		%	0.63		%	0.66		%	0.74		%	0.72		%	0.68		%	0.68		%
EMEA	$	108		$	109		$	106		$	84		$	77		$	76		$	65		$	59		$	62		$	49		$	50		$	48		$	43
Ratio	2.35		%	2.73		%	2.41		%	2.00		%	1.71		%	1.62		%	1.51		%	1.40		%	1.38		%	1.07		%	1.02		%	0.94		%	0.83		%
Latin America	$	324		$	308		$	290		$	224		$	249		$	259		$	273		$	253		$	276		$	285		$	322		$	323		$	309
Ratio	1.82		%	1.71		%	1.52		%	1.13		%	1.15		%	1.12		%	1.26		%	1.07		%	1.06		%	1.10		%	1.17		%	1.14		%	1.02		%
Asia	$	246		$	208		$	226		$	225		$	234		$	266		$	224		$	222		$	245		$	241		$	219		$	228		$	229
Ratio	0.45		%	0.38		%	0.38		%	0.37		%	0.36		%	0.40		%	0.34		%	0.33		%	0.36		%	0.36		%	0.32		%	0.33		%	0.33		%

Cards
Total	$	5,039		$	4,477		$	4,040		$	3,693		$	3,285		$	2,893		$	2,622		$	2,637		$	2,499		$	2,221		$	2,142		$	2,202		$	2,078
Ratio	3.28		%	2.95		%	2.65		%	2.35		%	2.23		%	1.92		%	1.78		%	1.72		%	1.71		%	1.53		%	1.47		%	1.47		%	1.47		%
North America - Citi-Branded	$	2,304		$	2,130		$	1,807		$	1,597		$	1,435		$	1,214		$	1,063		$	1,016		$	982		$	830		$	760		$	786		$	732
Ratio	2.92		%	2.71		%	2.32		%	2.03		%	1.93		%	1.62		%	1.42		%	1.32		%	1.35		%	1.14		%	1.05		%	1.08		%	1.06		%
North America - Retail Services	$	1,883		$	1,549		$	1,450		$	1,352		$	1,110		$	913		$	902		$	951		$	845		$	721		$	716		$	721		$	651
Ratio	4.39		%	3.71		%	3.55		%	3.20		%	2.97		%	2.38		%	2.38		%	2.38		%	2.30		%	1.97		%	1.96		%	1.87		%	1.84		%
EMEA	$	78		$	72		$	69		$	58		$	60		$	54		$	47		$	44		$	43		$	43		$	45		$	48		$	45
Ratio	2.69		%	2.77		%	2.38		%	2.07		%	2.07		%	1.80		%	1.74		%	1.63		%	1.48		%	1.54		%	1.55		%	1.66		%	1.61		%
Latin America	$	509		$	481		$	472		$	446		$	445		$	462		$	396		$	412		$	405		$	405		$	401		$	413		$	418
Ratio	4.28		%	4.01		%	3.75		%	3.33		%	3.30		%	3.25		%	3.07		%	3.01		%	2.83		%	2.96		%	2.82		%	2.79		%	2.81		%
Asia	$	265		$	245		$	242		$	240		$	235		$	250		$	214		$	214		$	224		$	222		$	220		$	234		$	232
Ratio	1.55		%	1.44		%	1.32		%	1.22		%	1.22		%	1.25		%	1.13		%	1.08		%	1.14		%	1.13		%	1.10		%	1.15		%	1.20		%

Citi Holdings - Local Consumer Lending (2) (3)	$	14,870		$	12,730		$	10,304		$	8,794		$	7,335		$	6,048		$	5,791		$	5,849		$	5,648		$	5,354		$	4,974		$	4,611		$	3,678
*Ratio*	5.88		%	5.50		%	5.60		%	5.13		%	4.68		%	4.07		%	4.20		%	4.66		%	4.70		%	4.64		%	4.54		%	4.42		%	3.80		%
International	$	952		$	724		$	713		$	657		$	572		$	530		$	480		$	422		$	428		$	363		$	366		$	345		$	269
Ratio	3.44		%	2.94		%	2.89		%	3.00		%	3.55		%	3.21		%	3.24		%	3.91		%	4.20		%	3.90		%	4.16		%	4.54		%	4.08		%
North America (2) (3)	$	13,918		$	12,006		$	9,591		$	8,137		$	6,763		$	5,518		$	5,311		$	5,427		$	5,220		$	4,991		$	4,608		$	4,266		$	3,409
Ratio	6.18		%	5.81		%	6.02		%	5.44		%	4.81		%	4.18		%	4.31		%	4.73		%	4.75		%	4.71		%	4.58		%	4.41		%	3.78		%

Total Citigroup (excluding Special Asset Pool) (2) (3)	$	20,726		$	18,022		$	15,187		$	13,248		$	11,421		$	9,753		$	9,207		$	9,255		$	8,990		$	8,444		$	7,998		$	7,692		$	6,619
Ratio	4.03		%	3.68		%	3.40		%	3.00		%	2.68		%	2.28		%	2.23		%	2.25		%	2.22		%	2.12		%	2.01		%	1.93		%	1.72		%

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

(2) The 90+ Days Past Due and related ratios for North America Consumer Banking and North America Local Consumer Lending 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 Consumer Banking on page 10 and Local Consumer Lending on page 30.

(3) The March 31, 2012, June 30, 2012, September 30, 2012, December 31, 2012 and March 31, 2013 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes $1.3 billion, $1.2 billion, $1.2 billion, $1.2 billion and $1.2 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 EOP 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			1Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013

Citicorp (2)
Total	$	6,251		$	5,593		$	5,437		$	5,014		$	4,645		$	4,293		$	4,049		$	4,075		$	3,726		$	3,449		$	3,539		$	3,509		$	3,389
*Ratio*	2.38		%	2.16		%	2.06		%	1.84		%	1.72		%	1.54		%	1.48		%	1.42		%	1.31		%	1.22		%	1.23		%	1.19		%	1.18		%

Retail Bank (2)
Total	$	1,311		$	1,201		$	1,277		$	1,148		$	1,143		$	1,088		$	977		$	1,040		$	1,032		$	1,049		$	1,154		$	1,112		$	1,191
Ratio	1.20		%	1.12		%	1.15		%	1.00		%	0.93		%	0.85		%	0.77		%	0.78		%	0.74		%	0.76		%	0.81		%	0.77		%	0.81		%
North America (2)	$	238		$	235		$	243		$	212		$	185		$	209		$	218		$	213		$	183		$	215		$	230		$	223		$	226
Ratio	0.76		%	0.78		%	0.85		%	0.71		%	0.58		%	0.62		%	0.62		%	0.57		%	0.47		%	0.54		%	0.57		%	0.54		%	0.54		%
EMEA	$	203		$	158		$	156		$	136		$	143		$	132		$	107		$	94		$	92		$	78		$	79		$	77		$	70
Ratio	4.41		%	3.95		%	3.55		%	3.24		%	3.18		%	2.81		%	2.49		%	2.24		%	2.04		%	1.70		%	1.61		%	1.51		%	1.35		%
Latin America	$	394		$	335		$	402		$	267		$	324		$	301		$	267		$	289		$	323		$	316		$	412		$	353		$	427
Ratio	2.21		%	1.86		%	2.10		%	1.35		%	1.50		%	1.30		%	1.24		%	1.22		%	1.24		%	1.22		%	1.50		%	1.25		%	1.41		%
Asia	$	476		$	473		$	476		$	533		$	491		$	446		$	385		$	444		$	434		$	440		$	433		$	459		$	468
Ratio	0.87		%	0.86		%	0.81		%	0.87		%	0.76		%	0.66		%	0.59		%	0.66		%	0.63		%	0.65		%	0.62		%	0.66		%	0.67		%

Cards
Total	$	4,940		$	4,392		$	4,160		$	3,866		$	3,502		$	3,205		$	3,072		$	3,035		$	2,694		$	2,400		$	2,385		$	2,397		$	2,198
Ratio	3.21		%	2.89		%	2.73		%	2.46		%	2.37		%	2.13		%	2.08		%	1.98		%	1.84		%	1.65		%	1.63		%	1.60		%	1.55		%
North America - Citi-Branded	$	2,144		$	1,828		$	1,687		$	1,540		$	1,335		$	1,142		$	1,106		$	1,078		$	887		$	744		$	744		$	771		$	679
Ratio	2.71		%	2.33		%	2.17		%	1.95		%	1.79		%	1.52		%	1.47		%	1.40		%	1.22		%	1.02		%	1.03		%	1.06		%	0.98		%
North America - Retail Services	$	1,844		$	1,665		$	1,617		$	1,458		$	1,277		$	1,171		$	1,205		$	1,178		$	995		$	852		$	823		$	789		$	685
Ratio	4.30		%	3.99		%	3.96		%	3.45		%	3.41		%	3.06		%	3.18		%	2.95		%	2.71		%	2.33		%	2.25		%	2.04		%	1.94		%
EMEA	$	114		$	90		$	86		$	72		$	78		$	72		$	63		$	59		$	65		$	61		$	68		$	63		$	60
Ratio	3.93		%	3.46		%	2.97		%	2.57		%	2.69		%	2.40		%	2.33		%	2.19		%	2.24		%	2.18		%	2.34		%	2.17		%	2.14		%
Latin America	$	478		$	488		$	442		$	456		$	454		$	469		$	398		$	399		$	426		$	428		$	416		$	432		$	449
Ratio	4.02		%	4.07		%	3.51		%	3.40		%	3.36		%	3.30		%	3.09		%	2.91		%	2.98		%	3.12		%	2.93		%	2.92		%	3.01		%
Asia	$	360		$	321		$	328		$	340		$	358		$	351		$	300		$	321		$	321		$	315		$	334		$	342		$	325
Ratio	2.11		%	1.89		%	1.79		%	1.73		%	1.86		%	1.76		%	1.59		%	1.61		%	1.64		%	1.61		%	1.67		%	1.68		%	1.68		%

Citi Holdings - Local Consumer Lending (2) (3)	$	10,341		$	9,475		$	8,734		$	7,935		$	6,283		$	6,061		$	5,999		$	5,148		$	4,598		$	4,614		$	4,753		$	4,228		$	3,407
*Ratio*	4.09		%	4.09		%	4.75		%	4.63		%	4.01		%	4.08		%	4.35		%	4.10		%	3.83		%	4.00		%	4.34		%	4.05		%	3.52		%
International	$	1,060		$	938		$	978		$	848		$	814		$	726		$	677		$	499		$	519		$	453		$	436		$	393		$	286
Ratio	3.83		%	3.81		%	3.96		%	3.87		%	5.06		%	4.40		%	4.57		%	4.62		%	5.09		%	4.87		%	4.95		%	5.17		%	4.33		%
North America (2) (3)	$	9,281		$	8,537		$	7,756		$	7,087		$	5,469		$	5,335		$	5,322		$	4,649		$	4,079		$	4,161		$	4,317		$	3,835		$	3,121
Ratio	4.12		%	4.13		%	4.87		%	4.74		%	3.89		%	4.04		%	4.32		%	4.05		%	3.71		%	3.93		%	4.29		%	3.96		%	3.46		%

Total Citigroup (excluding Special Asset Pool) (2) (3)	$	16,592		$	15,068		$	14,171		$	12,949		$	10,928		$	10,354		$	10,048		$	9,223		$	8,324		$	8,063		$	8,292		$	7,737		$	6,796
Ratio	3.22		%	3.07		%	3.17		%	2.93		%	2.56		%	2.42		%	2.44		%	2.24		%	2.06		%	2.02		%	2.09		%	1.94		%	1.76		%

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

(2) The 30-89 Days Past Due and related ratios for North America Consumer Banking and North America Local Consumer Lending 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 Consumer Banking on page 10 and Local Consumer Lending on page 30.

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			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Total Citigroup
Allowance for Loan Losses at Beginning of Period (1)	$	36,033		$	48,746		$	46,197		$	43,674		$	40,655		$	36,568		$	34,362		$	32,052		$	30,115		$	29,020		$	27,611		$	25,916		$	25,455		$	36,033		$	40,655		$	30,115

Gross Credit (Losses) (2)	(9,116		)	(8,928		)	(8,413		)	(7,692		)	(7,032		)	(5,779		)	(5,093		)	(4,795		)	(4,644		)	(4,205		)	(4,516		)	(3,640		)	(3,444		)	(34,149		)	(22,699		)	(17,005		)
Gross Recoveries	794			1,020			813			899			837			730			673			772			786			714			619			655			566			3,526			3,012			2,774
Net Credit (Losses) / Recoveries (NCLs)	(8,322		)	(7,908		)	(7,600		)	(6,793		)	(6,195		)	(5,049		)	(4,420		)	(4,023		)	(3,858		)	(3,491		)	(3,897		)	(2,985		)	(2,878		)	(30,623		)	(19,687		)	(14,231		)
NCLs (2) (3)	8,322			7,908			7,600			6,793			6,195			5,049			4,420			4,023			3,858			3,491			3,897			2,985			2,878			30,623			19,687			14,231
Net Reserve Builds / (Releases) (3) (4)	(890		)	(1,747		)	(1,449		)	(2,431		)	(3,500		)	(1,965		)	(1,606		)	(1,454		)	(214		)	(641		)	(860		)	(193		)	(306		)	(6,517		)	(8,525		)	(1,908		)
Net Specific Reserve Builds / (Releases) (2) (3)	865			308			(522		)	204			118			(15		)	122			(51		)	(935		)	(375		)	(601		)	46			(358		)	855			174			(1,865		)
Provision for Loan Losses	8,297			6,469			5,629			4,566			2,813			3,069			2,936			2,518			2,709			2,475			2,436			2,838			2,214			24,961			11,336			10,458
Other (5) (6) (7) (8) (9) (10)	12,738			(1,110		)	(552		)	(792		)	(705		)	(226		)	(826		)	(432		)	54			(393		)	(234		)	(314		)	(1,064		)	10,284			(2,189		)	(887		)
Allowance for Loan Losses at End of Period (1) (a)	$	48,746		$	46,197		$	43,674		$	40,655		$	36,568		$	34,362		$	32,052		$	30,115		$	29,020		$	27,611		$	25,916		$	25,455		$	23,727		$	40,655		$	30,115		$	25,455

Allowance for Unfunded Lending Commitments (11) (a)	$	1,122		$	1,054		$	1,102		$	1,066		$	1,105		$	1,097		$	1,139		$	1,136		$	1,097		$	1,104		$	1,063		$	1,119		$	1,132		$	1,066		$	1,136		$	1,119

Provision for Unfunded Lending Commitments	$	(35	)	$	(71	)	$	26		$	(37	)	$	25		$	(13	)	$	43		$	(4	)	$	(38	)	$	7		$	(41	)	$	56		$	14		$	(117	)	$	51		$	(16	)

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	49,868		$	47,251		$	44,776		$	41,721		$	37,673		$	35,459		$	33,191		$	31,251		$	30,117		$	28,715		$	26,979		$	26,574		$	24,859		$	41,721		$	31,251		$	26,574

Total Allowance for Loan Losses as a Percentage of Total Loans (12)	6.80		%	6.72		%	6.73		%	6.31		%	5.78		%	5.35		%	5.07		%	4.69		%	4.51		%	4.25		%	3.97		%	3.92		%	3.70		%

Allowance for Loan Losses at End of Period (1):
Citicorp	$	24,909		$	23,805		$	23,157		$	22,366		$	20,563		$	19,225		$	17,613		$	16,699		$	16,306		$	15,387		$	14,828		$	14,623		$	14,330
Citi Holdings	23,837			22,392			20,517			18,289			16,005			15,137			14,439			13,416			12,714			12,224			11,088			10,832			9,397
Total Citigroup	$	48,746		$	46,197		$	43,674		$	40,655		$	36,568		$	34,362		$	32,052		$	30,115		$	29,020		$	27,611		$	25,916		$	25,455		$	23,727

(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 first quarter of 2012 includes approximately $370 million of incremental charge-offs of previously deferred principal balances on modified loans related to anticipated forgiveness of principal largely in connection with the National Mortgage Settlement. There was a corresponding approximate $350 million release in the first quarter of 2012 allowance for loan losses related to these charge-offs.

(3) The third quarter of 2012 includes approximately $635 million of incremental charge-offs related to Office of the Comptroller of the Currency (OCC) guidance which required mortgage loans to borrowers that have gone through Chapter 7 of the U.S. Bankruptcy Code to be written down to collateral value. There was a corresponding approximate $600 million release in the third quarter of 2012 allowance for loan losses related to these charge-offs. The fourth quarter of 2012 includes a benefit of approximately $40 million to charge offs related to finalizing the impact of this OCC guidance.

(4) The first quarter of 2012, second quarter of 2012, third quarter of 2012, fourth quarter of 2012 and first quarter of 2013 includes $60 million, $73 million, $32 million, $100 million and $148 million, respectively, of builds (releases) related to gains/(losses) on loan sales.

(5) 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.

(6) The first quarter of 2012 includes a reduction of approximately $145 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.

(7) The second quarter of 2012 includes a reduction of approximately $175 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of approximately $200 million related to foreign currency translation.

(8) The third quarter of 2012 includes a reduction of approximately $300 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.

(9) The fourth quarter of 2012 includes a reduction of approximately $255 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.

(10) The first quarter of 2013 includes a reduction of approximately $855 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of approximately $165 million related to a transfer to held-for-sale of a loan portfolio in Greece.

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

(12) March 31, 2012, June 30, 2012, September 30, 2012, December 31, 2012 and March 31, 2013 exclude $4.7 billion, $5.1 billion, $5.4 billion, $5.3 billion and $5.0 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)


																																								Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Total Citigroup Consumer Loans
Allowance for Loan Losses at Beginning of Period (1)	$	28,347		$	41,369		$	39,529		$	37,564		$	35,406		$	32,686		$	30,915		$	28,866		$	27,236		$	25,963		$	24,639		$	23,099		$	22,679		$	28,347		$	35,406		$	27,236

Net Credit (Losses) / Recoveries (NCLs)	(7,958		)	(7,436		)	(6,678		)	(6,127		)	(5,346		)	(4,699		)	(4,148		)	(3,880		)	(3,941		)	(3,337		)	(3,780		)	(2,950		)	(2,833		)	(28,199		)	(18,073		)	(14,008		)
NCLs (2) (3)	7,958			7,436			6,678			6,127			5,346			4,699			4,148			3,880			3,941			3,337			3,780			2,950			2,833			28,199			18,073			14,008
Net Reserve Builds / (Releases) (3) (4)	(518		)	(1,296		)	(1,146		)	(1,930		)	(2,903		)	(1,810		)	(1,488		)	(1,241		)	(368		)	(564		)	(861		)	(117		)	(275		)	(4,890		)	(7,442		)	(1,910		)
Net Specific Reserve Builds / (Releases) (2) (3)	732			479			(221		)	587			912			268			231			33			(931		)	(384		)	(426		)	14			(400		)	1,577			1,444			(1,727		)
Provision for Loan Losses	8,172			6,619			5,311			4,784			3,355			3,157			2,891			2,672			2,642			2,389			2,493			2,847			2,158			24,886			12,075			10,371
Other (5) (6) (7) (8) (9) (10)	12,808			(1,023		)	(598		)	(815		)	(729		)	(229		)	(792		)	(422		)	26			(376		)	(253		)	(317		)	(1,056		)	10,372			(2,172		)	(920		)
Allowance for Loan Losses at End of Period (1) (a)	$	41,369		$	39,529		$	37,564		$	35,406		$	32,686		$	30,915		$	28,866		$	27,236		$	25,963		$	24,639		$	23,099		$	22,679		$	20,948		$	35,406		$	27,236		$	22,679

Consumer Allowance for Unfunded Lending Commitments (11) (a)	$	6		$			$			$			$			$	3		$	4		$	3		$	2		$	2		$	1		$	2		$	15		$			$	3		$	2

Provision for Unfunded Lending Commitments	$			$	(9	)	$			$			$			$	3		$	2		$			$			$			$	(1	)	$			$	15		$	(9	)	$	5		$	(1	)

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	41,375		$	39,529		$	37,564		$	35,406		$	32,686		$	30,918		$	28,870		$	27,239		$	25,965		$	24,641		$	23,100		$	22,681		$	20,963		$	35,406		$	27,239		$	22,681

Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans (12)	7.86		%	7.90		%	8.20		%	7.81		%	7.48		%	7.05		%	6.83		%	6.45		%	6.26		%	6.04		%	5.68		%	5.57		%	5.32		%

Total Citigroup Corporate Loans
Allowance for Loan Losses at Beginning of Period	$	7,686		$	7,377		$	6,668		$	6,110		$	5,249		$	3,882		$	3,447		$	3,186		$	2,879		$	3,057		$	2,972		$	2,817		$	2,776		$	7,686		$	5,249		$	2,879

Net Credit (Losses) / Recoveries (NCLs)	(364		)	(472		)	(922		)	(666		)	(849		)	(350		)	(272		)	(143		)	83			(154		)	(117		)	(35		)	(45		)	(2,424		)	(1,614		)	(223		)
NCLs	364			472			922			666			849			350			272			143			(83		)	154			117			35			45			2,424			1,614			223
Net Reserve Builds / (Releases)	(372		)	(451		)	(303		)	(501		)	(597		)	(155		)	(118		)	(213		)	154			(77		)	1			(76		)	(31		)	(1,627		)	(1,083		)	2
Net Specific Reserve Builds / (Releases)	133			(171		)	(301		)	(383		)	(794		)	(283		)	(109		)	(84		)	(4		)	9			(175		)	32			42			(722		)	(1,270		)	(138		)
Provision for Loan Losses	125			(150		)	318			(218		)	(542		)	(88		)	45			(154		)	67			86			(57		)	(9		)	56			75			(739		)	87
Other (5)	(70		)	(87		)	46			23			24			3			(34		)	(10		)	28			(17		)	19			3			(8		)	(88		)	(17		)	33
Allowance for Loan Losses at End of Period (1) (b)	$	7,377		$	6,668		$	6,110		$	5,249		$	3,882		$	3,447		$	3,186		$	2,879		$	3,057		$	2,972		$	2,817		$	2,776		$	2,779		$	5,249		$	2,879		$	2,776

Corporate Allowance for Unfunded Lending Commitments (11) (b)	$	1,116		$	1,054		$	1,102		$	1,066		$	1,105		$	1,094		$	1,135		$	1,133		$	1,095		$	1,102		$	1,062		$	1,117		$	1,117		$	1,066		$	1,133		$	1,117

Provision for Unfunded Lending Commitments	$	(35	)	$	(62	)	$	26		$	(37	)	$	25		$	(16	)	$	41		$	(4	)	$	(38	)	$	7		$	(40	)	$	56		$	(1	)	$	(108	)	$	46		$	(15	)

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (b)]	$	8,493		$	7,722		$	7,212		$	6,315		$	4,987		$	4,541		$	4,321		$	4,012		$	4,152		$	4,074		$	3,879		$	3,893		$	3,896		$	6,315		$	4,012		$	3,893

Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans (13)	3.88		%	3.57		%	3.20		%	2.75		%	1.98		%	1.69		%	1.52		%	1.31		%	1.34		%	1.23		%	1.14		%	1.14		%	1.12		%

Notes to these tables are on the following page (page 40).

ALLOWANCE FOR CREDIT LOSSES - PAGE 3

TOTAL CITIGROUP

The following notes relate to the tables on the prior page (page 39).

(2) See Footnote (2) on page 38.

(3) See Footnote (3) on page 38.

(6) The first quarter of 2012 includes a reduction of approximately $145 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.

(7) The second quarter of 2012 includes a reduction of approximately $175 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios

(8) The second quarter of 2012 includes a reduction of approximately $175 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of approximately $203 million related to foreign currency translation.

(9) The fourth quarter of 2012 includes a reduction of approximately $255 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.

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

(12) March 31, 2012, June 30, 2012, September 30, 2012, December 31, 2012 and March 31, 2013 exclude $1.3 billion, $1.3 billion, $1.3 billion, $1.2 billion and $1.2 billion, respectively, of Loans which are carried at fair value.

(13) March 31, 2012, June 30, 2012, September 30, 2012, December 31, 2012 and March 31, 2013 exclude $3.4 billion, $3.8 billion, $4.1 billion, $4.1 billion and $3.8 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			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012

Citicorp
Net Credit Losses	$	4,538		$	4,263		$	4,140		$	3,724		$	3,177		$	2,884		$	2,539		$	2,511		$	2,124		$	2,162		$	2,090		$	2,013		$	1,948		$	16,665		$	11,111		$	8,389
Credit Reserve Build / (Release)	(365		)	(838		)	(937		)	(1,028		)	(1,824		)	(1,405		)	(952		)	(893		)	(599		)	(766		)	(664		)	(193		)	(317		)	(3,168		)	(5,074		)	(2,222		)
Global Consumer Banking
Net Credit Losses	4,436			4,221			3,849			3,586			2,966			2,734			2,451			2,338			2,181			2,039			1,948			1,939			1,909			16,092			10,489			8,107
Credit Reserve Build / (Release)	(192		)	(606		)	(910		)	(836		)	(1,429		)	(1,349		)	(983		)	(754		)	(756		)	(753		)	(515		)	(152		)	(340		)	(2,544		)	(4,515		)	(2,176		)
North America Regional Consumer Banking
Net Credit Losses	3,616			3,480			3,148			2,888			2,372			2,136			1,854			1,739			1,629			1,511			1,351			1,265			1,255			13,132			8,101			5,756
Credit Reserve Build / (Release)	2			(208		)	(492		)	(621		)	(1,201		)	(1,240		)	(955		)	(785		)	(841		)	(814		)	(519		)	(215		)	(370		)	(1,319		)	(4,181		)	(2,389		)
Retail Banking
Net Credit Losses	75			80			90			96			88			79			65			70			62			62			72			51			55			341			302			247
Credit Reserve Build / (Release)	2			(9		)	40			6			2			7			9			5			(2		)	(5		)	37			45			(9		)	39			23			75
Citi-Branded Cards
Net Credit Losses	2,084			2,048			1,880			1,671			1,352			1,231			1,099			986			902			840			745			700			692			7,683			4,668			3,187
Credit Reserve Build / (Release)							1			(347		)	(642		)	(752		)	(655		)	(678		)	(549		)	(405		)	(403		)	(240		)	(128		)	(346		)	(2,727		)	(1,597		)
Citi Retail Services
Net Credit Losses	1,457			1,352			1,178			1,121			932			826			690			683			665			609			534			514			508			5,108			3,131			2,322
Credit Reserve Build / (Release)				(199		)	(533		)	(280		)	(561		)	(495		)	(309		)	(112		)	(290		)	(404		)	(153		)	(20		)	(233		)	(1,012		)	(1,477		)	(867		)
EMEA Regional Consumer Banking
Net Credit Losses	96			84			63			72			49			46			49			28			29			14			29			33			29			315			172			105
Credit Reserve Build / (Release)	(11		)	(46		)	(48		)	(13		)	(34		)	(55		)	(32		)	3			(5		)	(13		)	2			11			(11		)	(118		)	(118		)	(5		)
Retail Banking
Net Credit Losses	46			45			32			43			23			23			29			12			12			7			12			15			9			166			87			46
Credit Reserve Build / (Release)	(7		)	(21		)	(18		)	(7		)	(12		)	(29		)	(20		)	6			2			(9		)				5			(10		)	(53		)	(55		)	(2		)
Citi-Branded Cards
Net Credit Losses	50			39			31			29			26			23			20			16			17			7			17			18			20			149			85			59
Credit Reserve Build / (Release)	(4		)	(25		)	(30		)	(6		)	(22		)	(26		)	(12		)	(3		)	(7		)	(4		)	2			6			(1		)	(65		)	(63		)	(3		)
Latin America Regional Consumer Banking
Net Credit Losses	447			403			392			390			333			327			312			361			333			315			351			406			419			1,632			1,333			1,405
Credit Reserve Build / (Release)	(145		)	(240		)	(276		)	(159		)	(159		)	(35		)	44			(3		)	91			95			36			32			38			(820		)	(153		)	254
Retail Banking
Net Credit Losses	91			96			129			123			103			117			113			142			143			135			160			210			207			439			475			648
Credit Reserve Build / (Release)	(7		)	(28		)	(53		)	3			(69		)	23			76			16			87			75			37			27			9			(85		)	46			226
Citi-Branded Cards
Net Credit Losses	356			307			263			267			230			210			199			219			190			180			191			196			212			1,193			858			757
Credit Reserve Build / (Release)	(138		)	(212		)	(223		)	(162		)	(90		)	(58		)	(32		)	(19		)	4			20			(1		)	5			29			(735		)	(199		)	28
Asia Regional Consumer Banking
Net Credit Losses	277			254			246			236			212			225			236			210			190			199			217			235			206			1,013			883			841
Credit Reserve Build / (Release)	(38		)	(112		)	(94		)	(43		)	(35		)	(19		)	(40		)	31			(1		)	(21		)	(34		)	20			3			(287		)	(63		)	(36		)
Retail Banking
Net Credit Losses	82			85			85			83			67			83			91			85			65			72			81			99			67			335			326			317
Credit Reserve Build / (Release)	(14		)	(34		)	(30		)	(16		)	(14		)	(2		)	(13		)	26			12			4			(36		)	(3		)				(94		)	(3		)	(23		)
Citi-Branded Cards
Net Credit Losses	195			169			161			153			145			142			145			125			125			127			136			136			139			678			557			524
Credit Reserve Build / (Release)	(24		)	(78		)	(64		)	(27		)	(21		)	(17		)	(27		)	5			(13		)	(25		)	2			23			3			(193		)	(60		)	(13		)

Institutional Clients Group (ICG)
Net Credit Losses	103			43			290			137			210			150			87			172			(58		)	122			143			75			39			573			619			282
Credit Reserve Build / (Release)	(177		)	(232		)	(27		)	(190		)	(394		)	(56		)	32			(138		)	158			(13		)	(149		)	(41		)	23			(626		)	(556		)	(45		)
Securities and Banking
Net Credit Losses	102			42			289			134			203			151			70			178			(60		)	97			56			75			35			567			602			168
Credit Reserve Build / (Release)	(158		)	(199		)	(11		)	(194		)	(394		)	(83		)	50			(145		)	135			(64		)	(103		)	(47		)	34			(562		)	(572		)	(79		)
Transaction Services
Net Credit Losses	1			1			1			3			7			(1		)	17			(6		)	2			25			87						4			6			17			114
Credit Reserve Build / (Release)	(19		)	(33		)	(16		)	4						27			(18		)	7			23			51			(46		)	6			(11		)	(64		)	16			34

Corporate / Other
Net Credit Losses	(1		)	(1		)	1			1			1						1			1			1			1			(1		)	(1		)							3
Credit Reserve Build / (Release)	4									(2		)	(1		)				(1		)	(1		)	(1		)													2			(3		)	(1		)

Total Citicorp Provision for Loan Losses	$	4,173		$	3,425		$	3,203		$	2,696		$	1,353		$	1,479		$	1,587		$	1,618		$	1,525		$	1,396		$	1,426		$	1,820		$	1,631		$	13,497		$	6,037		$	6,167

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			1Q			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2010			2011			2012
Citi Holdings
Net Credit Losses	$	3,784		$	3,645		$	3,460		$	3,069		$	3,018		$	2,165		$	1,881		$	1,512		$	1,734		$	1,329		$	1,807		$	972		$	930		$	13,958		$	8,576		$	5,842
Credit Reserve Build / (Release)	340			(601		)	(1,034		)	(1,199		)	(1,558		)	(575		)	(532		)	(612		)	(550		)	(250		)	(797		)	46			(347		)	(2,494		)	(3,277		)	(1,551		)
Brokerage and Asset Management
Net Credit Losses	11			1			2			3			1						3																					17			4
Credit Reserve Build / (Release)	(7		)	(3		)	(4		)	(4		)	(1		)	(2		)							(1		)													(18		)	(3		)	(1		)
Local Consumer Lending
Net Credit Losses	3,481			3,182			2,769			2,496			2,347			1,946			1,676			1,535			1,752			1,289			1,824			1,005			920			11,928			7,504			5,870
Credit Reserve Build / (Release)	386			(222		)	(420		)	(509		)	(556		)	(182		)	(255		)	(426		)	(520		)	(186		)	(760		)	56			(325		)	(765		)	(1,419		)	(1,410		)
Special Asset Pool
Net Credit Losses	292			462			689			570			670			219			202			(23		)	(18		)	40			(17		)	(33		)	10			2,013			1,068			(28		)
Credit Reserve Build / (Release)	(39		)	(376		)	(610		)	(686		)	(1,001		)	(391		)	(277		)	(186		)	(29		)	(64		)	(37		)	(10		)	(22		)	(1,711		)	(1,855		)	(140		)

Total Citi Holdings Provision for Loan Losses	$	4,124		$	3,044		$	2,426		$	1,870		$	1,460		$	1,590		$	1,349		$	900		$	1,184		$	1,079		$	1,010		$	1,018		$	583		$	11,464		$	5,299		$	4,291

Total Citicorp Provision for Loan Losses (from prior page)	$	4,173		$	3,425		$	3,203		$	2,696		$	1,353		$	1,479		$	1,587		$	1,618		$	1,525		$	1,396		$	1,426		$	1,820		$	1,631		$	13,497		$	6,037		$	6,167

Total Citigroup Provision for Loan Losses	$	8,297		$	6,469		$	5,629		$	4,566		$	2,813		$	3,069		$	2,936		$	2,518		$	2,709		$	2,475		$	2,436		$	2,838		$	2,214		$	24,961		$	11,336		$	10,458

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			1Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	5,660		$	4,411		$	3,299		$	2,112		$	1,997		$	1,899		$	1,639		$	1,246		$	1,017		$	724		$	900		$	735		$	1,007
EMEA	5,839			5,511			5,479			5,337			2,437			1,954			1,748			1,293			1,194			1,169			1,054			1,131			1,077
Latin America	613			581			664			701			606			528			442			362			263			209			151			128			116
Asia	831			546			517			470			451			451			342			335			499			469			324			339			304
Total	$	12,943		$	11,049		$	9,959		$	8,620		$	5,491		$	4,832		$	4,171		$	3,236		$	2,973		$	2,571		$	2,429		$	2,333		$	2,504

Consumer Non-Accrual Loans By Region (2)
North America (3) (4)	$	12,966		$	11,289		$	9,978		$	8,540		$	7,068		$	6,015		$	5,822		$	5,888		$	6,519		$	6,403		$	7,698		$	7,148		$	6,171
EMEA	785			687			752			652			657			644			514			387			397			371			379			380			263
Latin America	1,241			1,207			1,144			1,019			1,034			1,083			998			1,107			1,178			1,158			1,275			1,285			1,313
Asia	633			580			586			576			562			549			480			450			474			414			409			383			402
Total (3)	$	15,625		$	13,763		$	12,460		$	10,787		$	9,321		$	8,291		$	7,814		$	7,832		$	8,568		$	8,346		$	9,761		$	9,196		$	8,149

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
ICG	$	846		$	830		$	842		$	796		$	743		$	770		$	764		$	23		$	7		$	12		$	9		$	7		$	2
Global Consumer Banking	35			36			37			30			33			40			46			48			41			35			38			40			41
Brokerage and Asset Management
Local Consumer Lending	588			621			674			707			619			510			442			393			356			329			326			309			294
Special Asset Pool	44			179			181			156			168			98			92			87			162			155			91			82			69
Corporate/Other	8			7			7			14			14			16			13			15			14			10			10			2			6

TOTAL OTHER REAL ESTATE OWNED (OREO) (5)	$	1,521		$	1,673		$	1,741		$	1,703		$	1,577		$	1,434		$	1,357		$	566		$	580		$	541		$	474		$	440		$	412

OREO By Region:
North America	$	1,291		$	1,422		$	1,470		$	1,440		$	1,331		$	1,245		$	1,222		$	441		$	392		$	366		$	315		$	299		$	286
EMEA	134			146			164			161			140			133			79			73			139			127			111			99			85
Latin America	51			49			53			47			52			55			56			51			48			48			48			40			39
Asia	45			56			54			55			54			1						1			1									2			2
Total	$	1,521		$	1,673		$	1,741		$	1,703		$	1,577		$	1,434		$	1,357		$	566		$	580		$	541		$	474		$	440		$	412

Other Repossessed Assets (6)	$	64		$	55		$	38		$	28		$	21		$	18		$	24		$	1		$	1		$	2		$	1		$	1		$	1

Non-Accrual Assets (NAA) (7)
Corporate Non-Accrual Loans	$	12,943		$	11,049		$	9,959		$	8,620		$	5,491		$	4,832		$	4,171		$	3,236		$	2,973		$	2,571		$	2,429		$	2,333		$	2,504
Consumer Non-Accrual Loans	15,625			13,763			12,460			10,787			9,321			8,291			7,814			7,832			8,568			8,346			9,761			9,196			8,149
Non-Accrual Loans (NAL)	28,568			24,812			22,419			19,407			14,812			13,123			11,985			11,068			11,541			10,917			12,190			11,529			10,653
OREO	1,521			1,673			1,741			1,703			1,577			1,434			1,357			566			580			541			474			440			412
Other Repossessed Assets	64			55			38			28			21			18			24			1			1			2			1			1			1
Non-Accrual Assets (NAA)	$	30,153		$	26,540		$	24,198		$	21,138		$	16,410		$	14,575		$	13,366		$	11,635		$	12,122		$	11,460		$	12,665		$	11,970		$	11,066

NAL as a % of Total Loans	3.96		%	3.58		%	3.43		%	2.99		%	2.32		%	2.03		%	1.88		%	1.71		%	1.78		%	1.67		%	1.85		%	1.76		%	1.65		%
NAA as a % of Total Assets	1.51		%	1.37		%	1.22		%	1.10		%	0.84		%	0.74		%	0.69		%	0.62		%	0.62		%	0.60		%	0.66		%	0.64		%	0.59		%

Allowance for Loan Losses as a % of NAL	171		%	186		%	195		%	209		%	247		%	262		%	267		%	272		%	251		%	253		%	213		%	221		%	223		%

(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) The first quarter of 2012 increase in non-accrual consumer loans in North America was attributable to a $0.8 billion reclassification from accrual to non-accrual status of home equity loans where the related residential first mortgage was delinquent. Of the $0.8 billion of home equity loans, $0.7 billion was current and $0.1 billion was 30 to 89 days past due as of March 31, 2012. This reclassification reflected regulatory guidance that was issued on January 31, 2012.

(4) The third quarter of 2012 includes an approximate $1.5 billion in loans that are now classified as non-accrual loans related to OCC guidance which required mortgage loans to borrowers that have gone through Chapter 7 of the U.S. Bankruptcy Code to be written down to collateral value. Of the $1.5 billion of such non-accrual loans, $1.3 billion was current as of September 30, 2012. See Footnote 3 on page 38.

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

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

(7) 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

CITICORP

(In millions of dollars)


	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	1,258		$	1,046		$	1,115		$	987		$	1,181		$	1,189		$	1,243		$	921		$	790		$	569		$	758		$	644		$	797
EMEA	1,089			864			1,131			1,276			1,302			1,064			957			694			748			804			718			806			765
Latin America	347			313			378			472			427			392			361			294			203			193			147			126			114
Asia	292			363			349			356			356			341			300			308			472			448			305			333			299
Total	$	2,986		$	2,586		$	2,973		$	3,091		$	3,266		$	2,986		$	2,861		$	2,217		$	2,213		$	2,014		$	1,928		$	1,909		$	1,975

Consumer Non-Accrual Loans By Region (2)
North America	$	242		$	273		$	355		$	376		$	363		$	341		$	345		$	345		$	390		$	450		$	507		$	523		$	530
EMEA	210			145			144			102			110			104			76			84			94			88			98			101			93
Latin America	1,200			1,167			1,102			977			1,004			1,051			959			1,061			1,130			1,110			1,228			1,244			1,274
Asia	386			339			354			363			359			364			323			311			348			338			329			319			363
Total	$	2,038		$	1,924		$	1,955		$	1,818		$	1,836		$	1,860		$	1,703		$	1,801		$	1,962		$	1,986		$	2,162		$	2,187		$	2,260

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
ICG	$	846		$	830		$	842		$	796		$	743		$	770		$	764		$	23		$	7		$	12		$	9		$	7		$	2
Global Consumer Banking	35			36			37			30			33			40			46			48			41			35			38			40			41
Corporate/Other	8			7			7			14			14			16			13			15			14			10			10			2			6

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	889		$	873		$	886		$	840		$	790		$	826		$	823		$	86		$	62		$	57		$	57		$	49		$	49

OREO By Region:
North America	$	791		$	810		$	828		$	791		$	741		$	775		$	779		$	45		$	29		$	22		$	23		$	18		$	15
EMEA	12			11			11			11			11			12			10			9			5			9			6			6			6
Latin America	41			39			42			34			34			38			34			31			27			26			28			23			26
Asia	45			13			5			4			4			1						1			1									2			2
Total	$	889		$	873		$	886		$	840		$	790		$	826		$	823		$	86		$	62		$	57		$	57		$	49		$	49

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			N/A

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	2,986		$	2,586		$	2,973		$	3,091		$	3,266		$	2,986		$	2,861		$	2,217		$	2,213		$	2,014		$	1,928		$	1,909		$	1,975
Consumer Non-Accrual Loans	2,038			1,924			1,955			1,818			1,836			1,860			1,703			1,801			1,962			1,986			2,162			2,187			2,260
Non-Accrual Loans (NAL)	5,024			4,510			4,928			4,909			5,102			4,846			4,564			4,018			4,175			4,000			4,090			4,096			4,235
OREO	889			873			886			840			790			826			823			86			62			57			57			49			49
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			N/A
Non-Accrual Assets (NAA)	$	5,913		$	5,383		$	5,814		$	5,749		$	5,892		$	5,672		$	5,387		$	4,104		$	4,237		$	4,057		$	4,147		$	4,145		$	4,284

NAA as a % of Total Assets	0.38		%	0.35		%	0.36		%	0.36		%	0.36		%	0.34		%	0.32		%	0.25		%	0.24		%	0.24		%	0.24		%	0.24		%	0.25		%

Allowance for Loan Losses as a % of NAL	496		%	528		%	470		%	456		%	403		%	397		%	386		%	416		%	391		%	385		%	363		%	357		%	338		%

N/A

Not Available at the Citicorp level. See Non-Accrual Assets - Page 1 (on page 43) for total Citigroup balances.

(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 3

CITI HOLDINGS

(In millions of dollars)


	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	4,402		$	3,365		$	2,184		$	1,125		$	816		$	710		$	396		$	325		$	227		$	155		$	142		$	91		$	210
EMEA	4,750			4,647			4,348			4,061			1,135			890			791			599			446			365			336			325			312
Latin America	266			268			286			229			179			136			81			68			60			16			4			2			2
Asia	539			183			168			114			95			110			42			27			27			21			19			6			5
Total	$	9,957		$	8,463		$	6,986		$	5,529		$	2,225		$	1,846		$	1,310		$	1,019		$	760		$	557		$	501		$	424		$	529

Consumer Non-Accrual Loans By Region (2)
North America (3) (4)	$	12,724		$	11,016		$	9,623		$	8,164		$	6,705		$	5,674		$	5,477		$	5,543		$	6,129		$	5,953		$	7,191		$	6,625		$	5,641
EMEA	575			542			608			550			547			540			438			303			303			283			281			279			170
Latin America	41			40			42			42			30			32			39			46			48			48			47			41			39
Asia	247			241			232			213			203			185			157			139			126			76			80			64			39
Total (3)	$	13,587		$	11,839		$	10,505		$	8,969		$	7,485		$	6,431		$	6,111		$	6,031		$	6,606		$	6,360		$	7,599		$	7,009		$	5,889

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

Brokerage and Asset Management	$			$			$			$			$			$			$			$			$			$			$			$			$
Local Consumer Lending	588			621			674			707			619			510			442			393			356			329			326			309			294
Special Asset Pool	44			179			181			156			168			98			92			87			162			155			91			82			69

TOTAL OTHER REAL ESTATE OWNED (OREO) (4)	$	632		$	800		$	855		$	863		$	787		$	608		$	534		$	480		$	518		$	484		$	417		$	391		$	363

OREO By Region:
North America	$	500		$	612		$	642		$	649		$	590		$	470		$	443		$	396		$	363		$	344		$	292		$	281		$	271
EMEA	122			135			153			150			129			121			69			64			134			118			105			93			79
Latin America	10			10			11			13			18			17			22			20			21			22			20			17			13
Asia				43			49			51			50
Total	$	632		$	800		$	855		$	863		$	787		$	608		$	534		$	480		$	518		$	484		$	417		$	391		$	363

Other Repossessed Assets (5)	N/A			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) (6)
Corporate Non-Accrual Loans	$	9,957		$	8,463		$	6,986		$	5,529		$	2,225		$	1,846		$	1,310		$	1,019		$	760		$	557		$	501		$	424		$	529
Consumer Non-Accrual Loans	13,587			11,839			10,505			8,969			7,485			6,431			6,111			6,031			6,606			6,360			7,599			7,009			5,889
Non-Accrual Loans (NAL)	23,544			20,302			17,491			14,498			9,710			8,277			7,421			7,050			7,366			6,917			8,100			7,433			6,418
OREO	632			800			855			863			787			608			534			480			518			484			417			391			363
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			N/A
Non-Accrual Assets (NAA)	$	24,176		$	21,102		$	18,346		$	15,361		$	10,497		$	8,885		$	7,955		$	7,530		$	7,884		$	7,401		$	8,517		$	7,824		$	6,781

NAA as a % of Total Assets	5.28		%	5.02		%	4.87		%	4.91		%	3.56		%	3.35		%	3.22		%	3.35		%	3.77		%	3.87		%	4.98		%	5.02		%	4.55		%

Allowance for Loan Losses as a % of NAL	101		%	110		%	117		%	126		%	165		%	183		%	195		%	190		%	173		%	177		%	137		%	146		%	146		%

N/A Not Available at the Citi Holdings level. See Non-Accrual Assets - Page 1 (on page 43) for total Citigroup balances.

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

(3) See Footnote 3 on page 43.

(4) See Footnote 4 on page 43.

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

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

(7) 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 ratios) 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		1Q
	2010		2010		2010		2010		2011		2011		2011		2011		2012		2012		2012		2012		2013

Tangible Book Value Per Share (page 1):

Total Common Equity	$	151,109	$	154,494	$	162,601	$	163,156	$	170,725	$	176,052	$	177,060	$	177,494	$	181,508	$	183,599	$	186,465	$	186,487	$	190,222
Less:
Goodwill	25,662		25,201		25,797		26,152		26,339		26,621		25,496		25,413		25,810		25,483		25,915		25,673		25,474
Intangible Assets (Other than MSRs)	8,277		7,868		7,705		7,504		7,280		7,136		6,800		6,600		6,413		6,156		5,963		5,697		5,457

Goodwill and Intangible Assets (other than MSRs)
Related to Assets For Discontinued Operations Held-for-Sale	45		66						165												37		32		2

Net Deferred Taxes - Related to Goodwill and Intangible Assets Above	65		62		59		56		53		50		47		44		41		38		35		32
Tangible Common Equity	$	117,060	$	121,297	$	129,040	$	129,444	$	136,888	$	142,245	$	144,717	$	145,437	$	149,244	$	151,922	$	154,515	$	155,053	$	159,289
Common Shares Outstanding, at period end	2,862.0		2,897.5		2,905.0		2,905.8		2,920.6		2,917.9		2,923.7		2,923.9		2,932.2		2,932.5		2,932.5		3,028.9		3,042.9
Tangible Book Value Per Share	$	40.90	$	41.86	$	44.42	$	44.55	$	46.87	$	48.75	$	49.50	$	49.74	$	50.90	$	51.81	$	52.69	$	51.19	$	52.35

Reclassified to conform to the current periods presentation.

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