Citigroup Inc 8-K 2017-04-06

Exhibit 99.1

CITIGROUP - QUARTERLY FINANCIAL DATA SUPPLEMENT

4Q16 Historical

	Page
Citigroup Consolidated
Financial Summary	1
Consolidated Statement of Income	2
Consolidated Balance Sheet	3
Segment Detail
Net Revenues	4
Income & Regional Average Assets and ROA	5

Global Consumer Banking (GCB)	6
Retail Banking and Cards Key Indicators	7

North America	8 - 10
Latin America	11 - 12
Asia (1)	13 - 14
Institutional Clients Group (ICG)	15
Revenues by Business	16

Corporate / Other	17
Consumer Key Indicators	18
Memo Page - Citi Holdings (Already Included as a Component of Corporate/Other)	19

Citigroup Supplemental Detail
Average Balances and Interest Rates	20
Deposits	21
Loans	22
Consumer Loan Delinquency Amounts and Ratios
90+ Days	23
30-89 Days	24
Allowance for Credit Losses
Total Citigroup	25
Consumer and Corporate	26 - 27
Components of Provision for Loan Losses	28
Non-Accrual Assets	29

Regulatory Capital Ratios and TCE & TBV Reconciliation	30

(1) Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.

This revised 4Q16 Historical Financial Data Supplement as of December 31, 2016, which represents the format Citi will use starting with the presentation of its first quarter of 2017 financial results on April 13, 2017, and is being provided solely to facilitate comparison of first quarter of 2017 results with those of prior periods, reflects the following reporting changes and reclassifications:

· the reporting of Citi Holdings as part of Corporate/Other which, prior to the first quarter of 2017, was a separately reported business segment (as previously announced, the remaining business and portfolios of assets in Citi Holdings will be reported as part of Corporate/Other and Citi Holdings will cease to be a separately reported business segment beginning in the first quarter of 2017);

· the re-attribution of certain treasury-related costs between Corporate/Other and Global Consumer Banking and Institutional Clients Group (ICG);

· the re-attribution of regional revenues within ICG.

· additional income statement line item disclosures for ICGs Markets businesses that were reflected in Citis 2016 Annual Report on Form 10-K; and

· certain other immaterial reclassifications.

For additional information on these reporting changes and reclassifications, see Citis Current Report on Form 8-K furnished with the U.S. Securities and Exchange Commission on April 6, 2017.

CITIGROUP FINANCIAL SUMMARY

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

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015
Total Revenues, Net of Interest Expense	$	19,260		$	18,489		$	13,739		$	18,042		$	20,318		$	20,592		$	17,941		$	17,873		$	20,206		$	19,425		$	19,689		$	17,899		$	19,736
Total Operating Expenses	12,215			11,993			12,095			13,733			12,288			12,149			11,679			12,292			12,149			15,521			12,955			14,426			10,884
Net Credit Losses (NCLs)	3,858			3,491			3,897			2,985			2,878			2,608			2,430			2,547			2,439			2,189			2,097			2,248			1,957
Credit Reserve Build / (Release)	(1,149		)	(1,016		)	(1,461		)	(147		)	(664		)	(781		)	(778		)	(636		)	(646		)	(610		)	(522		)	(367		)	(202		)
Provision / (Release) for Unfunded Lending Commitments	(38		)	7			(41		)	56			14			(3		)	103			(34		)	(27		)	(31		)	(30		)	(74		)	(37		)
Provision for Benefits and Claims	229			214			225			219			231			200			204			195			208			182			205			206			197
Provisions for Credit Losses and for Benefits and Claims	$	2,900		$	2,696		$	2,620		$	3,113		$	2,459		$	2,024		$	1,959		$	2,072		$	1,974		$	1,730		$	1,750		$	2,013		$	1,915
Income from Continuing Operations before Income Taxes	$	4,145		$	3,800		$	(976	)	$	1,196		$	5,571		$	6,419		$	4,303		$	3,509		$	6,083		$	2,174		$	4,984		$	1,460		$	6,937
Income Taxes (benefits)	1,129			852			(1,487		)	(97		)	1,675			2,225			1,102			1,184			2,131			1,921			2,068			1,077			2,120
Income from Continuing Operations	$	3,016		$	2,948		$	511		$	1,293		$	3,896		$	4,194		$	3,201		$	2,325		$	3,952		$	253		$	2,916		$	383		$	4,817
Income (Loss) from Discontinued Operations, net of Taxes	12			7			8			(85		)	(33		)	30			92			181			37			(22		)	(16		)	(1		)	(5		)
Net Income before Noncontrolling Interests	$	3,028		$	2,955		$	519		$	1,208		$	3,863		$	4,224		$	3,293		$	2,506		$	3,989		$	231		$	2,900		$	382		$	4,812
Net Income Attributable to Noncontrolling Interests	126			40			25			28			90			36			51			50			45			50			59			38			42
Citigroups Net Income	$	2,902		$	2,915		$	494		$	1,180		$	3,773		$	4,188		$	3,242		$	2,456		$	3,944		$	181		$	2,841		$	344		$	4,770

Diluted Earnings Per Share:
Income from Continuing Operations	$	0.94		$	0.94		$	0.16		$	0.41		$	1.23		$	1.34		$	0.98		$	0.71		$	1.22		$	0.03		$	0.88		$	0.06		$	1.51
Citigroups Net Income	$	0.95		$	0.94		$	0.16		$	0.38		$	1.21		$	1.34		$	1.01		$	0.77		$	1.23		$	0.03		$	0.88		$	0.06		$	1.51
Shares (in millions):
Average Basic	2,926.2			2,926.6			2,926.8			2,942.7			3,040.1			3,040.7			3,034.3			3,028.0			3,037.4			3,033.8			3,029.5			3,025.6			3,034.2
Average Diluted	3,014.5			3,015.0			3,015.3			3,017.0			3,044.7			3,046.3			3,040.9			3,034.6			3,043.3			3,038.3			3,034.8			3,031.5			3,039.3
Common Shares Outstanding, at period end	2,932.2			2,932.5			2,932.5			3,028.9			3,042.9			3,041.0			3,033.0			3,029.2			3,037.8			3,031.8			3,029.5			3,023.9			3,034.1

Preferred Dividends - Basic	$	4		$	9		$	4		$	9		$	4		$	9		$	110		$	71		$	124		$	100		$	128		$	159		$	128
Preferred Dividends - Diluted	$	4		$	9		$	4		$	9		$	4		$	9		$	110		$	71		$	124		$	100		$	128		$	159		$	128

Income Allocated to Unrestricted Common Shareholders - Basic
Income from Continuing Operations	$	2,833		$	2,831		$	471		$	1,227		$	3,730		$	4,067		$	2,980		$	2,161		$	3,721		$	102		$	2,684		$	183		$	4,585
Citigroups Net Income	$	2,845		$	2,838		$	479		$	1,144		$	3,697		$	4,096		$	3,070		$	2,338		$	3,758		$	80		$	2,669		$	182		$	4,580

Income Allocated to Unrestricted Common Shareholders - Diluted
Income from Continuing Operations	$	2,837		$	2,835		$	472		$	1,229		$	3,730		$	4,067		$	2,980		$	2,161		$	3,721		$	102		$	2,684		$	183		$	4,585
Citigroups Net Income	$	2,849		$	2,841		$	480		$	1,145		$	3,698		$	4,096		$	3,070		$	2,338		$	3,758		$	80		$	2,669		$	182		$	4,580

Regulatory Capital Ratios and Performance Metrics:
Common Equity Tier 1 Capital Ratio (1)	N/A			N/A			N/A			8.72		%	9.31		%	10.02		%	10.47		%	10.57		%	10.45		%	10.57		%	10.64		%	10.57		%	11.06		%
Tier 1 Capital Ratio (1)	N/A			N/A			N/A			9.03		%	9.56		%	10.37		%	10.90		%	11.23		%	11.11		%	11.35		%	11.41		%	11.45		%	12.07		%
Total Capital Ratio (1)	N/A			N/A			N/A			10.81		%	12.23		%	12.79		%	13.12		%	12.64		%	12.52		%	12.70		%	12.76		%	12.80		%	13.38		%
Supplementary Leverage Ratio (2)	N/A			N/A			N/A			N/A			N/A			5.08		%	5.25		%	5.42		%	5.70		%	5.82		%	5.98		%	5.94		%	6.44		%
Return on Average Assets	0.61		%	0.61		%	0.10		%	0.25		%	0.81		%	0.88		%	0.69		%	0.52		%	0.85		%	0.04		%	0.59		%	0.07		%	1.04		%
Return on Average Common Equity	6.5		%	6.5		%	1.0		%	2.5		%	8.2		%	8.8		%	6.4		%	4.8		%	7.8		%	0.2		%	5.3		%	0.4		%	9.4		%
Efficiency Ratio (Total Operating Expenses/Total Revenues, net)	63		%	65		%	88		%	76		%	60		%	59		%	65		%	69		%	60		%	80		%	66		%	81		%	55		%

Balance Sheet Data (in billions of dollars, except per share amounts):
Total Assets	$	1,944.1		$	1,916.1		$	1,931.0		$	1,864.3		$	1,881.4		$	1,883.6		$	1,899.2		$	1,880.0		$	1,894.4		$	1,909.4		$	1,882.5		$	1,842.2		$	1,831.8
Total Average Assets	1,911.8			1,916.1			1,909.4			1,905.4			1,886.8			1,898.9			1,857.1			1,888.0			1,888.3			1,903.3			1,895.4			1,900.2			1,853.1
Total Deposits	906.0			914.3			944.6			930.6			933.8			938.4			955.5			968.3			966.3			965.7			942.7			899.3			899.6
Citigroups Stockholders Equity	181.5			183.6			186.5			188.7			193.0			195.6			200.5			204.0			208.1			211.0			211.9			210.2			214.6
Book Value Per Share	61.80			62.49			63.48			61.46			62.39			62.90			64.38			65.12			66.13			66.64			66.99			66.05			66.79
Tangible Book Value Per Share (3)	50.79			51.69			52.58			51.08			52.23			52.99			54.40			55.19			56.29			56.78			57.41			56.71			57.66

Direct Staff (in thousands)	263			261			262			259			257			253			252			251			248			244			243			241			239

(1) Citigroups risk-based capital ratios, which reflect full implementation of the U.S. Basel III rules, are non-GAAP financial measures. These ratios are calculated under the Basel III Advanced Approaches framework. For the composition of Citis Common Equity Tier 1 Capital and ratio, see page 30.

(2) Citigroups Supplementary Leverage Ratio (SLR), which reflects full implementation of the U.S. Basel III rules, is a non-GAAP financial measure. For the composition of Citis SLR, see page 30.

(3) Tangible book value per share is a non-GAAP financial measure. For a reconciliation of this measure to reported results, see page 30.

N/A Not Applicable.

Note: Ratios and variance percentages are calculated based on the displayed amounts.

Reclassified to conform to the current periods presentation.

Page 1

CITIGROUP FINANCIAL SUMMARY

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


																						Full			Full			Full
	2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year
	2015			2015			2015			2016			2016			2016			2016			2012			2013			2014
Total Revenues, Net of Interest Expense	$	19,470		$	18,692		$	18,456		$	17,555		$	17,548		$	17,760		$	17,012		$	69,530		$	76,724		$	77,219
Total Operating Expenses	10,928			10,669			11,134			10,523			10,369			10,404			10,120			50,036			48,408			55,051
Net Credit Losses (NCLs)	1,920			1,663			1,762			1,724			1,616			1,525			1,696			14,231			10,463			8,973
Credit Reserve Build / (Release)	(405		)	(81		)	494			162			(226		)	221			31			(3,773		)	(2,859		)	(2,145		)
Provision / (Release) for Unfunded Lending Commitments	(48		)	65			94			71			(30		)	(45		)	33			(16		)	80			(162		)
Provision for Benefits and Claims	181			189			164			88			49			35			32			887			830			801
Provisions for Credit Losses and for Benefits and Claims	$	1,648		$	1,836		$	2,514		$	2,045		$	1,409		$	1,736		$	1,792		$	11,329		$	8,514		$	7,467
Income from Continuing Operations before Income Taxes	$	6,894		$	6,187		$	4,808		$	4,987		$	5,770		$	5,620		$	5,100		$	8,165		$	19,802		$	14,701
Income Taxes (benefits)	2,036			1,881			1,403			1,479			1,723			1,733			1,509			397			6,186			7,197
Income from Continuing Operations	$	4,858		$	4,306		$	3,405		$	3,508		$	4,047		$	3,887		$	3,591		$	7,768		$	13,616		$	7,504
Income (Loss) from Discontinued Operations, net of Taxes	6			(10		)	(45		)	(2		)	(23		)	(30		)	(3		)	(58		)	270			(2		)
Net Income before Noncontrolling Interests	$	4,864		$	4,296		$	3,360		$	3,506		$	4,024		$	3,857		$	3,588		$	7,710		$	13,886		$	7,502
Net Income Attributable to Noncontrolling Interests	18			5			25			5			26			17			15			219			227			192
Citigroups Net Income	$	4,846		$	4,291		$	3,335		$	3,501		$	3,998		$	3,840		$	3,573		$	7,491		$	13,659		$	7,310

Diluted Earnings Per Share:
Income from Continuing Operations	$	1.51		$	1.36		$	1.03		$	1.11		$	1.25		$	1.25		$	1.14		$	2.44		$	4.25		$	2.20
Citigroups Net Income	$	1.51		$	1.35		$	1.02		$	1.10		$	1.24		$	1.24		$	1.14		$	2.42		$	4.34		$	2.20
Shares (in millions):
Average Basic	3,020.0			2,993.3			2,968.3			2,943.0			2,915.8			2,879.9			2,813.8			2,930.6			3,035.8			3,031.6
Average Diluted	3,025.0			2,996.9			2,969.5			2,943.1			2,915.9			2,880.1			2,814.2			3,015.5			3,041.6			3,037.0
Common Shares Outstanding, at period end	3,009.8			2,979.0			2,953.3			2,934.9			2,905.4			2,849.7			2,772.4

Preferred Dividends - Basic	$	202		$	174		$	265		$	210		$	322		$	225		$	320		$	26		$	194		$	511
Preferred Dividends - Diluted	$	202		$	174		$	265		$	210		$	322		$	225		$	320		$	26		$	194		$	511

Income Allocated to Unrestricted Common Shareholders - Basic
Income from Continuing Operations	$	4,574		$	4,070		$	3,072		$	3,253		$	3,645		$	3,592		$	3,207		$	7,357		$	12,937		$	6,690
Citigroups Net Income	$	4,580		$	4,061		$	3,028		$	3,251		$	3,623		$	3,562		$	3,204		$	7,301		$	13,202		$	6,688

Income Allocated to Unrestricted Common Shareholders - Diluted
Income from Continuing Operations	$	4,574		$	4,070		$	3,072		$	3,253		$	3,645		$	3,592		$	3,207		$	7,368		$	12,938		$	6,691
Citigroups Net Income	$	4,580		$	4,061		$	3,028		$	3,251		$	3,623		$	3,562		$	3,204		$	7,311		$	13,203		$	6,689

Regulatory Capital Ratios and Performance Metrics:
Common Equity Tier 1 Capital Ratio (1)	11.37		%	11.67		%	12.07		%	12.34		%	12.53		%	12.63		%	12.57		%
Tier 1 Capital Ratio (1)	12.54		%	12.91		%	13.49		%	13.81		%	14.12		%	14.23		%	14.24		%
Total Capital Ratio (1)	14.14		%	14.60		%	15.30		%	15.71		%	16.13		%	16.34		%	16.24		%
Supplementary Leverage Ratio (2)	6.72		%	6.85		%	7.08		%	7.44		%	7.48		%	7.40		%	7.22		%
Return on Average Assets	1.06		%	0.94		%	0.74		%	0.79		%	0.89		%	0.83		%	0.78		%	0.39		%	0.73		%	0.39		%
Return on Average Common Equity	9.1		%	8.0		%	5.9		%	6.4		%	7.0		%	6.8		%	6.2		%	4.1		%	7.0		%	3.4		%
Efficiency Ratio (Total Operating Expenses/Total Revenues, net)	56		%	57		%	60		%	60		%	59		%	59		%	59		%	72		%	63		%	71		%

Balance Sheet Data (in billions of dollars, except per share amounts):
Total Assets	$	1,829.4		$	1,808.4		$	1,731.2		$	1,801.0		$	1,818.8		$	1,818.1		$	1,792.1
Total Average Assets	1,839.7			1,818.4			1,784.3			1,777.6			1,807.3			1,830.2			1,819.8			1,910.7			1,882.7			1,896.8
Total Deposits	908.0			904.2			907.9			934.6			937.9			940.3			929.4
Citigroups Stockholders Equity	219.4			220.8			221.9			227.5			231.9			231.6			225.1
Book Value Per Share	68.27			69.03			69.46			71.47			73.19			74.51			74.26
Tangible Book Value Per Share (3)	59.18			60.07			60.61			62.58			63.53			64.71			64.57

Direct Staff (in thousands)	238			239			231			225			220			220			219

(2) Citigroups Supplementary Leverage Ratio (SLR), which reflects full implementation of the U.S. Basel III rules, is a non-GAAP financial measure. For the composition of Citis SLR, see page 30.

(3) Tangible book value per share is a non-GAAP financial measure. For a reconciliation of this measure to reported results, see page 30.

N/A Not Applicable.

Note: Ratios and variance percentages are calculated based on the displayed amounts.

Reclassified to conform to the current periods presentation.

Page 1

CITIGROUP FINANCIAL SUMMARY

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


	Full			Full
	Year			Year
	2015			2016
Total Revenues, Net of Interest Expense	$	76,354		$	69,875
Total Operating Expenses	43,615			41,416
Net Credit Losses (NCLs)	7,302			6,561
Credit Reserve Build / (Release)	(194		)	188
Provision / (Release) for Unfunded Lending Commitments	74			29
Provision for Benefits and Claims	731			204
Provisions for Credit Losses and for Benefits and Claims	$	7,913		$	6,982
Income from Continuing Operations before Income Taxes	$	24,826		$	21,477
Income Taxes (benefits)	7,440			6,444
Income from Continuing Operations	$	17,386		$	15,033
Income (Loss) from Discontinued Operations, net of Taxes	(54		)	(58		)
Net Income before Noncontrolling Interests	$	17,332		$	14,975
Net Income Attributable to Noncontrolling Interests	90			63
Citigroups Net Income	$	17,242		$	14,912

Diluted Earnings Per Share:
Income from Continuing Operations	$	5.42		$	4.74
Citigroups Net Income	$	5.40		$	4.72
Shares (in millions):
Average Basic	3,004.0			2,888.1
Average Diluted	3,007.7			2,888.3
Common Shares Outstanding, at period end

Preferred Dividends - Basic	$	769		$	1,077
Preferred Dividends - Diluted	$	769		$	1,077

Income Allocated to Unrestricted Common Shareholders - Basic
Income from Continuing Operations	$	16,302		$	13,698
Citigroups Net Income	$	16,249		$	13,640

Income Allocated to Unrestricted Common Shareholders - Diluted
Income from Continuing Operations	$	16,302		$	13,698
Citigroups Net Income	$	16,249		$	13,640

Regulatory Capital Ratios and Performance Metrics:
Common Equity Tier 1 Capital Ratio (1)
Tier 1 Capital Ratio (1)
Total Capital Ratio (1)
Supplementary Leverage Ratio (2)
Return on Average Assets	0.95		%	0.82		%
Return on Average Common Equity	8.1		%	6.6		%
Efficiency Ratio (Total Operating Expenses/Total Revenues, net)	57		%	59		%

Balance Sheet Data (in billions of dollars, except per share amounts):
Total Assets
Total Average Assets	$	1,823.9		$	1,808.7
Total Deposits
Citigroups Stockholders Equity
Book Value Per Share
Tangible Book Value Per Share (3)

Direct Staff (in thousands)

(2) Citigroups Supplementary Leverage Ratio (SLR), which reflects full implementation of the U.S. Basel III rules, is a non-GAAP financial measure. For the composition of Citis SLR, see page 30.

(3) Tangible book value per share is a non-GAAP financial measure. For a reconciliation of this measure to reported results, see page 30.

N/A Not Applicable.

Note: Ratios and variance percentages are calculated based on the displayed amounts.

Reclassified to conform to the current periods presentation.

Page 1

CITIGROUP CONSOLIDATED STATEMENT OF INCOME
(In millions of dollars)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015
Revenues
Interest revenue	$	17,294		$	16,686		$	16,737		$	16,581		$	15,960		$	15,840		$	15,463		$	15,707		$	15,350		$	15,561		$	15,512		$	15,260		$	14,600
Interest expense	5,578			5,343			5,026			4,665			4,330			4,158			3,952			3,737			3,591			3,615			3,325			3,159			3,028
Net interest revenue	11,716			11,343			11,711			11,916			11,630			11,682			11,511			11,970			11,759			11,946			12,187			12,101			11,572

Commissions and fees	3,057			2,992			3,219			3,316			3,435			3,293			3,061			3,152			3,184			3,441			3,280			3,127			3,170
Principal transactions	2,000			1,683			1,020			277			2,504			2,684			1,149			965			2,888			1,843			1,549			418			1,971
Administrative and other fiduciary fees	981			1,037			974			1,020			1,068			1,083			968			970			1,009			1,029			1,029			946			962
Realized gains (losses) on investments	1,925			273			615			438			450			251			63			(16		)	128			84			136			222			307
Other-than-temporary impairment losses on investments and other assets	(1,305		)	(128		)	(3,470		)	(68		)	(261		)	(162		)	(39		)	(73		)	(201		)	(37		)	(91		)	(95		)	(72		)
Insurance premiums	612			601			597			585			590			582			556			552			545			538			530			497			497
Other revenue	274			688			(927		)	558			902			1,179			672			353			894			581			1,069			683			1,329
Total non-interest revenues	7,544			7,146			2,028			6,126			8,688			8,910			6,430			5,903			8,447			7,479			7,502			5,798			8,164
Total revenues, net of interest expense	19,260			18,489			13,739			18,042			20,318			20,592			17,941			17,873			20,206			19,425			19,689			17,899			19,736

Provisions for Credit Losses and for Benefits and Claims

Net credit losses	3,858			3,491			3,897			2,985			2,878			2,608			2,430			2,547			2,439			2,189			2,097			2,248			1,957
Credit reserve build / (release)	(1,149		)	(1,016		)	(1,461		)	(147		)	(664		)	(781		)	(778		)	(636		)	(646		)	(610		)	(522		)	(367		)	(202		)
Provision for loan losses	2,709			2,475			2,436			2,838			2,214			1,827			1,652			1,911			1,793			1,579			1,575			1,881			1,755
Provision for Policyholder benefits and claims	229			214			225			219			231			200			204			195			208			182			205			206			197
Provision for unfunded lending commitments	(38		)	7			(41		)	56			14			(3		)	103			(34		)	(27		)	(31		)	(30		)	(74		)	(37		)
Total provisions for credit losses and for benefits and claims	2,900			2,696			2,620			3,113			2,459			2,024			1,959			2,072			1,974			1,730			1,750			2,013			1,915

Operating Expenses
Compensation and benefits	6,362			6,105			6,113			6,539			6,335			6,075			5,828			5,729			6,010			6,028			6,114			5,807			5,520
Premises and Equipment	794			803			842			827			844			762			763			796			805			819			804			750			709
Technology / communication expense	1,362			1,462			1,440			1,565			1,530			1,486			1,568			1,552			1,530			1,619			1,630			1,657			1,600
Advertising and marketing expense	488			574			589			513			449			480			458			501			458			460			442			484			392
Other operating	3,209			3,049			3,111			4,289			3,130			3,346			3,062			3,714			3,346			6,595			3,965			5,728			2,663
Total operating expenses	12,215			11,993			12,095			13,733			12,288			12,149			11,679			12,292			12,149			15,521			12,955			14,426			10,884

Income from Continuing Operations before Income Taxes	4,145			3,800			(976		)	1,196			5,571			6,419			4,303			3,509			6,083			2,174			4,984			1,460			6,937
Provision (benefits) for income taxes	1,129			852			(1,487		)	(97		)	1,675			2,225			1,102			1,184			2,131			1,921			2,068			1,077			2,120

Income from Continuing Operations	3,016			2,948			511			1,293			3,896			4,194			3,201			2,325			3,952			253			2,916			383			4,817
Discontinued Operations
Income (Loss) from Discontinued Operations	23			5			(1		)	(136		)	(103		)	51			33			(223		)	40			(3		)	(25		)	(2		)	(8		)
Gain (Loss) on Sale	(1		)										56						6			206
Provision (benefits) for income taxes	10			(2		)	(9		)	(51		)	(14		)	21			(53		)	(198		)	3			19			(9		)	(1		)	(3		)
Income (Loss) from Discontinued Operations, net of taxes	12			7			8			(85		)	(33		)	30			92			181			37			(22		)	(16		)	(1		)	(5		)

Net Income before Noncontrolling Interests	3,028			2,955			519			1,208			3,863			4,224			3,293			2,506			3,989			231			2,900			382			4,812

Net Income attributable to noncontrolling interests	126			40			25			28			90			36			51			50			45			50			59			38			42
Citigroups Net Income	$	2,902		$	2,915		$	494		$	1,180		$	3,773		$	4,188		$	3,242		$	2,456		$	3,944		$	181		$	2,841		$	344		$	4,770

Reclassified to conform to the current periods presentation.

Page 2

CITIGROUP CONSOLIDATED STATEMENT OF INCOME
(In millions of dollars)


																						Full			Full			Full			Full
	2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2015			2015			2015			2016			2016			2016			2016			2012			2013			2014			2015
Revenues
Interest revenue	$	14,873		$	14,714		$	14,364		$	14,167		$	14,356		$	14,653		$	14,439		$	67,298		$	62,970		$	61,683		$	58,551
Interest expense	3,051			2,941			2,901			2,940			3,120			3,174			3,277			20,612			16,177			13,690			11,921
Net interest revenue	11,822			11,773			11,463			11,227			11,236			11,479			11,162			46,686			46,793			47,993			46,630

Commissions and fees	3,194			2,732			2,752			2,463			2,725			2,644			2,689			12,584			12,941			13,032			11,848
Principal transactions	2,173			1,327			537			1,840			1,816			2,238			1,691			4,980			7,302			6,698			6,008
Administrative and other fiduciary fees	995			870			821			811			878			862			813			4,012			4,089			4,013			3,648
Realized gains (losses) on investments	183			151			41			186			200			287			275			3,251			748			570			682
Other-than-temporary impairment losses on investments and other assets	(43		)	(80		)	(70		)	(465		)	(118		)	(32		)	(5		)	(4,971		)	(535		)	(424		)	(265		)
Insurance premiums	482			464			402			264			217			184			171			2,395			2,280			2,110			1,845
Other revenue	664			1,455			2,510			1,229			594			98			216			593			3,106			3,227			5,958
Total non-interest revenues	7,648			6,919			6,993			6,328			6,312			6,281			5,850			22,844			29,931			29,226			29,724
Total revenues, net of interest expense	19,470			18,692			18,456			17,555			17,548			17,760			17,012			69,530			76,724			77,219			76,354

Provisions for Credit Losses and for Benefits and Claims

Net credit losses	1,920			1,663			1,762			1,724			1,616			1,525			1,696			14,231			10,463			8,973			7,302
Credit reserve build / (release)	(405		)	(81		)	494			162			(226		)	221			31			(3,773		)	(2,859		)	(2,145		)	(194		)
Provision for loan losses	1,515			1,582			2,256			1,886			1,390			1,746			1,727			10,458			7,604			6,828			7,108
Provision for Policyholder benefits and claims	181			189			164			88			49			35			32			887			830			801			731
Provision for unfunded lending commitments	(48		)	65			94			71			(30		)	(45		)	33			(16		)	80			(162		)	74
Total provisions for credit losses and for benefits and claims	1,648			1,836			2,514			2,045			1,409			1,736			1,792			11,329			8,514			7,467			7,913

Operating Expenses
Compensation and benefits	5,483			5,321			5,445			5,556			5,229			5,203			4,982			25,119			23,967			23,959			21,769
Premises and Equipment	737			722			710			651			642			624			625			3,266			3,165			3,178			2,878
Technology / communication expense	1,656			1,628			1,697			1,649			1,657			1,694			1,685			5,829			6,136			6,436			6,581
Advertising and marketing expense	393			391			371			390			433			403			406			2,164			1,888			1,844			1,547
Other operating	2,659			2,607			2,911			2,277			2,408			2,480			2,422			13,658			13,252			19,634			10,840
Total operating expenses	10,928			10,669			11,134			10,523			10,369			10,404			10,120			50,036			48,408			55,051			43,615

Income from Continuing Operations before Income Taxes	6,894			6,187			4,808			4,987			5,770			5,620			5,100			8,165			19,802			14,701			24,826
Provision (benefits) for income taxes	2,036			1,881			1,403			1,479			1,723			1,733			1,509			397			6,186			7,197			7,440

Income from Continuing Operations	4,858			4,306			3,405			3,508			4,047			3,887			3,591			7,768			13,616			7,504			17,386
Discontinued Operations
Income (Loss) from Discontinued Operations	9			(15		)	(69		)	(3		)	(36		)	(37		)	(4		)	(109		)	(242		)	10			(83		)
Gain (Loss) on Sale																						(1		)	268
Provision (benefits) for income taxes	3			(5		)	(24		)	(1		)	(13		)	(7		)	(1		)	(52		)	(244		)	12			(29		)
Income (Loss) from Discontinued Operations, net of taxes	6			(10		)	(45		)	(2		)	(23		)	(30		)	(3		)	(58		)	270			(2		)	(54		)

Net Income before Noncontrolling Interests	4,864			4,296			3,360			3,506			4,024			3,857			3,588			7,710			13,886			7,502			17,332

Net Income attributable to noncontrolling interests	18			5			25			5			26			17			15			219			227			192			90
Citigroups Net Income	$	4,846		$	4,291		$	3,335		$	3,501		$	3,998		$	3,840		$	3,573		$	7,491		$	13,659		$	7,310		$	17,242

Reclassified to conform to the current periods presentation.

Page 2

CITIGROUP CONSOLIDATED STATEMENT OF INCOME
(In millions of dollars)


	Full
	Year
	2016
Revenues
Interest revenue	$	57,615
Interest expense	12,511
Net interest revenue	45,104

Commissions and fees	10,521
Principal transactions	7,585
Administrative and other fiduciary fees	3,364
Realized gains (losses) on investments	948
Other-than-temporary impairment losses on investments and other assets	(620		)
Insurance premiums	836
Other revenue	2,137
Total non-interest revenues	24,771
Total revenues, net of interest expense	69,875

Provisions for Credit Losses and for Benefits and Claims

Net credit losses	6,561
Credit reserve build / (release)	188
Provision for loan losses	6,749
Provision for Policyholder benefits and claims	204
Provision for unfunded lending commitments	29
Total provisions for credit losses and for benefits and claims	6,982

Operating Expenses
Compensation and benefits	20,970
Premises and Equipment	2,542
Technology / communication expense	6,685
Advertising and marketing expense	1,632
Other operating	9,587
Total operating expenses	41,416

Income from Continuing Operations before Income Taxes	21,477
Provision (benefits) for income taxes	6,444

Income from Continuing Operations	15,033
Discontinued Operations
Income (Loss) from Discontinued Operations	(80		)
Gain (Loss) on Sale
Provision (benefits) for income taxes	(22		)
Income (Loss) from Discontinued Operations, net of taxes	(58		)

Net Income before Noncontrolling Interests	14,975

Net Income attributable to noncontrolling interests	63
Citigroups Net Income	$	14,912

Reclassified to conform to the current periods presentation.

Page 2

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,
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014
Assets
Cash and due from banks (including segregated cash and other deposits)	$	26,505		$	33,927		$	33,802		$	36,453		$	31,150		$	31,145		$	32,810		$	29,885		$	33,380		$	35,268
Deposits with banks	183,949			155,054			170,028			102,134			143,227			158,028			172,659			169,005			171,020			153,817
Fed funds sold and securities borrd or purch under agree. to resell	289,057			272,664			277,542			261,311			270,426			263,205			273,679			257,037			263,398			250,353
Brokerage receivables	39,443			35,340			31,077			22,490			25,235			33,484			24,976			25,674			32,484			41,864
Trading account assets	298,922			303,833			308,310			313,072			298,953			296,293			281,887			275,160			267,692			280,220
Investments
Available-for-sale and non-marketable equity securities	287,197			294,577			284,531			302,196			294,803			290,738			292,717			298,381			302,300			303,293
Held-to-maturity	10,126			11,349			10,943			10,130			10,056			9,602			10,808			10,599			10,600			22,330
Total Investments	297,323			305,926			295,474			312,326			304,859			300,340			303,525			308,980			312,900			325,623
Loans, net of unearned income
Consumer	413,551			406,510			404,968			405,834			392,145			378,996			384,389			390,293			380,590			380,113
Corporate	234,471			248,458			253,455			249,630			254,219			264,745			273,162			275,179			283,631			287,391
Loans, net of unearned income	648,022			654,968			658,423			655,464			646,364			643,741			657,551			665,472			664,221			667,504
Allowance for loan losses	(29,020		)	(27,611		)	(25,916		)	(25,455		)	(23,727		)	(21,580		)	(20,605		)	(19,648		)	(18,923		)	(17,890		)
Total loans, net	619,002			627,357			632,507			630,009			622,637			622,161			636,946			645,824			645,298			649,614
Goodwill	25,810			25,483			25,915			25,673			25,474			24,896			25,098			25,009			25,008			25,087
Intangible assets (other than MSRs)	6,413			6,156			5,963			5,697			5,457			4,981			4,888			5,056			4,891			4,702
Mortgage servicing rights (MSRs)	2,691			2,117			1,920			1,942			2,203			2,524			2,580			2,718			2,586			2,282
Other assets	154,998			148,253			148,449			153,185			151,737			143,264			136,796			135,687			135,733			140,539
Assets related to discontinued operations held for sale							44			36			9			3,306			3,320
Total assets	$	1,944,113		$	1,916,110		$	1,931,031		$	1,864,328		$	1,881,367		$	1,883,627		$	1,899,164		$	1,880,035		$	1,894,390		$	1,909,369

Liabilities
Non-interest-bearing deposits in U.S. offices	$	122,305		$	120,324		$	133,981		$	129,657		$	124,487		$	124,141		$	130,273		$	128,399		$	135,632		$	130,653
Interest-bearing deposits in U.S. offices	228,357			233,696			239,574			247,716			260,221			270,687			266,322			284,164			280,549			289,035
Total U.S. Deposits	350,662			354,020			373,555			377,373			384,708			394,828			396,595			412,563			416,181			419,688
Non-interest-bearing deposits in offices outside the U.S.	60,691			59,745			63,792			65,024			65,542			63,793			66,028			69,406			69,263			73,991
Interest-bearing deposits in offices outside the U.S.	494,659			500,543			507,297			488,163			483,512			479,806			492,837			486,304			480,819			472,046
Total International Deposits	555,350			560,288			571,089			553,187			549,054			543,599			558,865			555,710			550,082			546,037

Total deposits	906,012			914,308			944,644			930,560			933,762			938,427			955,460			968,273			966,263			965,725
Fed funds purch and securities loaned or sold under agree. to repurch.	226,008			214,851			224,370			211,236			222,053			218,252			216,387			203,512			190,676			183,912
Brokerage payables	56,966			59,133			55,376			57,013			59,299			61,705			56,992			53,707			59,407			62,323
Trading account liabilities	135,956			128,818			129,990			115,549			120,226			123,022			122,048			108,762			124,040			123,370
Short-term borrowings	55,611			58,698			49,164			52,027			48,137			58,743			58,904			58,944			58,903			59,534
Long-term debt	311,079			288,334			271,862			239,463			234,326			220,959			221,593			221,116			222,747			226,984
Other liabilities (1)	69,068			66,470			67,202			67,815			68,592			62,992			63,349			59,935			62,458			74,768
Liabilities related to discontinued operations held for sale																2,062			2,039
Total liabilities	$	1,760,700		$	1,730,612		$	1,742,608		$	1,673,663		$	1,686,395		$	1,686,162		$	1,696,772		$	1,674,249		$	1,684,494		$	1,696,616

Equity
Stockholders equity
Preferred stock	$	312		$	312		$	312		$	2,562		$	3,137		$	4,293		$	5,243		$	6,738		$	7,218		$	8,968
Common stock	29			29			29			30			31			31			31			31			31			31
Additional paid-in capital	105,787			105,962			106,203			106,391			106,661			106,876			107,030			107,193			107,505			107,669
Retained earnings	93,000			95,875			96,335			97,477			101,213			105,364			108,465			110,821			114,745			115,015
Treasury stock	(883		)	(859		)	(851		)	(847		)	(991		)	(1,075		)	(1,472		)	(1,658		)	(2,237		)	(2,520		)
Accumulated other comprehensive income (loss)	(16,735		)	(17,749		)	(15,566		)	(16,896		)	(17,059		)	(19,924		)	(18,798		)	(19,133		)	(19,146		)	(18,147		)
Total common equity	$	181,198		$	183,258		$	186,150		$	186,155		$	189,855		$	191,272		$	195,256		$	197,254		$	200,898		$	202,048

Total Citigroup stockholders equity	$	181,510		$	183,570		$	186,462		$	188,717		$	192,992		$	195,565		$	200,499		$	203,992		$	208,116		$	211,016
Noncontrolling interests	1,903			1,928			1,961			1,948			1,980			1,900			1,893			1,794			1,780			1,737
Total equity	183,413			185,498			188,423			190,665			194,972			197,465			202,392			205,786			209,896			212,753
Total liabilities and equity	$	1,944,113		$	1,916,110		$	1,931,031		$	1,864,328		$	1,881,367		$	1,883,627		$	1,899,164		$	1,880,035		$	1,894,390		$	1,909,369

(1) Includes allowance for credit losses for unfunded lending commitments. See page 25 for amounts by period.

Reclassified to conform to the current periods presentation.

Page 3

CITIGROUP CONSOLIDATED BALANCE SHEET

(In millions of dollars)


	September 30,			December 31,			March 31,			June 30,			September 30,			December 31,			March 31,			June 30,			September 30,
	2014			2014			2015			2015			2015			2015			2016			2016			2016
Assets
Cash and due from banks (including segregated cash and other deposits)	$	35,976		$	32,108		$	21,880		$	23,413		$	21,726		$	20,900		$	22,240		$	22,140		$	23,419
Deposits with banks	143,068			128,089			133,896			130,685			137,935			112,197			136,049			127,993			132,571
Fed funds sold and securities borrd or purch under agree. to resell	245,462			242,570			239,015			237,054			231,695			219,675			225,093			228,683			236,045
Brokerage receivables	39,298			28,419			35,637			43,921			37,875			27,683			35,261			36,851			36,112
Trading account assets	282,532			289,209			295,961			271,942			258,233			241,215			265,499			263,174			254,627
Investments
Available-for-sale and non-marketable equity securities	309,009			309,522			303,561			301,955			308,499			306,740			316,362			320,390			316,352
Held-to-maturity	24,038			23,921			23,254			30,166			33,940			36,215			36,890			35,903			38,588
Total Investments	333,047			333,443			326,815			332,121			342,439			342,955			353,252			356,293			354,940
Loans, net of unearned income
Consumer	372,140			365,643			337,431			337,878			328,922			325,454			317,555			326,082			328,372
Corporate	281,686			278,992			283,623			294,240			293,522			292,163			301,269			307,433			310,063
Loans, net of unearned income	653,826			644,635			621,054			632,118			622,444			617,617			618,824			633,515			638,435
Allowance for loan losses	(16,915		)	(15,994		)	(14,598		)	(14,075		)	(13,626		)	(12,626		)	(12,712		)	(12,304		)	(12,439		)
Total loans, net	636,911			628,641			606,456			618,043			608,818			604,991			606,112			621,211			625,996
Goodwill	24,500			23,592			23,150			23,012			22,444			22,349			22,575			22,496			22,539
Intangible assets (other than MSRs)	4,525			4,566			4,244			4,071			3,880			3,721			3,493			5,521			5,358
Mortgage servicing rights (MSRs)	2,093			1,845			1,685			1,924			1,766			1,781			1,524			1,324			1,270
Other assets	135,093			129,699			143,062			143,184			141,545			133,743			129,869			133,085			125,240
Assets related to discontinued operations held for sale
Total assets	$	1,882,505		$	1,842,181		$	1,831,801		$	1,829,370		$	1,808,356		$	1,731,210		$	1,800,967		$	1,818,771		$	1,818,117

Liabilities
Non-interest-bearing deposits in U.S. offices	$	128,243		$	128,958		$	136,568		$	135,013		$	141,425		$	139,249		$	138,153		$	140,145		$	141,899
Interest-bearing deposits in U.S. offices	285,604			284,978			275,423			268,947			267,057			280,234			284,969			295,589			288,094
Total U.S. Deposits	413,847			413,936			411,991			403,960			408,482			419,483			423,122			435,734			429,993
Non-interest-bearing deposits in offices outside the U.S.	71,228			70,925			71,653			72,629			73,188			71,577			77,865			76,574			75,956
Interest-bearing deposits in offices outside the U.S.	457,580			414,471			416,003			431,448			422,573			416,827			433,604			425,544			434,303
Total International Deposits	528,808			485,396			487,656			504,077			495,761			488,404			511,469			502,118			510,259

Total deposits	942,655			899,332			899,647			908,037			904,243			907,887			934,591			937,852			940,252
Fed funds purch and securities loaned or sold under agree. to repurch.	175,732			173,438			175,371			177,012			168,604			146,496			157,208			158,001			153,124
Brokerage payables	59,428			52,180			58,252			54,867			59,557			53,722			58,257			62,054			61,921
Trading account liabilities	137,272			139,036			142,438			136,295			125,981			117,512			136,146			136,307			131,649
Short-term borrowings	64,838			58,335			39,405			25,907			23,715			21,079			20,893			18,408			29,527
Long-term debt	223,842			223,080			210,522			211,845			213,533			201,275			207,835			207,448			209,051
Other liabilities (1)	65,191			85,084			90,143			94,582			90,586			60,147			57,276			65,680			59,903
Liabilities related to discontinued operations held for sale
Total liabilities	$	1,668,958		$	1,630,485		$	1,615,778		$	1,608,545		$	1,586,219		$	1,508,118		$	1,572,206		$	1,585,750		$	1,585,427

Equity
Stockholders equity
Preferred stock	$	8,968		$	10,468		$	11,968		$	13,968		$	15,218		$	16,718		$	17,753		$	19,253		$	19,253
Common stock	31			31			31			31			31			31			31			31			31
Additional paid-in capital	107,839			107,979			108,124			108,219			108,261			108,288			107,590			107,730			107,875
Retained earnings	117,697			117,852			122,463			126,954			130,921			133,841			136,998			140,527			143,678
Treasury stock	(2,631		)	(2,929		)	(3,275		)	(4,628		)	(6,326		)	(7,677		)	(8,224		)	(9,538		)	(12,069		)
Accumulated other comprehensive income (loss)	(19,976		)	(23,216		)	(24,691		)	(25,104		)	(27,257		)	(29,344		)	(26,626		)	(26,115		)	(27,193		)
Total common equity	$	202,960		$	199,717		$	202,652		$	205,472		$	205,630		$	205,139		$	209,769		$	212,635		$	212,322

Total Citigroup stockholders equity	$	211,928		$	210,185		$	214,620		$	219,440		$	220,848		$	221,857		$	227,522		$	231,888		$	231,575
Noncontrolling interests	1,619			1,511			1,403			1,385			1,289			1,235			1,239			1,133			1,115
Total equity	213,547			211,696			216,023			220,825			222,137			223,092			228,761			233,021			232,690
Total liabilities and equity	$	1,882,505		$	1,842,181		$	1,831,801		$	1,829,370		$	1,808,356		$	1,731,210		$	1,800,967		$	1,818,771		$	1,818,117

(1) Includes allowance for credit losses for unfunded lending commitments. See page 25 for amounts by period.

Reclassified to conform to the current periods presentation.

Page 3

CITIGROUP CONSOLIDATED BALANCE SHEET

(In millions of dollars)

	December 31,
	2016
Assets
Cash and due from banks (including segregated cash and other deposits)	$	23,043
Deposits with banks	137,451
Fed funds sold and securities borrd or purch under agree. to resell	236,813
Brokerage receivables	28,887
Trading account assets	243,925
Investments
Available-for-sale and non-marketable equity securities	307,637
Held-to-maturity	45,667
Total Investments	353,304
Loans, net of unearned income
Consumer	325,063
Corporate	299,306
Loans, net of unearned income	624,369
Allowance for loan losses	(12,060		)
Total loans, net	612,309
Goodwill	21,659
Intangible assets (other than MSRs)	5,114
Mortgage servicing rights (MSRs)	1,564
Other assets	128,008
Assets related to discontinued operations held for sale
Total assets	$	1,792,077

Liabilities
Non-interest-bearing deposits in U.S. offices	$	136,698
Interest-bearing deposits in U.S. offices	300,972
Total U.S. Deposits	437,670
Non-interest-bearing deposits in offices outside the U.S.	77,616
Interest-bearing deposits in offices outside the U.S.	414,120
Total International Deposits	491,736

Total deposits	929,406
Fed funds purch and securities loaned or sold under agree. to repurch.	141,821
Brokerage payables	57,152
Trading account liabilities	139,045
Short-term borrowings	30,701
Long-term debt	206,178
Other liabilities (1)	61,631
Liabilities related to discontinued operations held for sale
Total liabilities	$	1,565,934

Equity
Stockholders equity
Preferred stock	$	19,253
Common stock	31
Additional paid-in capital	108,042
Retained earnings	146,477
Treasury stock	(16,302		)
Accumulated other comprehensive income (loss)	(32,381		)
Total common equity	$	205,867

Total Citigroup stockholders equity	$	225,120
Noncontrolling interests	1,023
Total equity	226,143
Total liabilities and equity	$	1,792,077

(1) Includes allowance for credit losses for unfunded lending commitments. See page 25 for amounts by period.

Reclassified to conform to the current periods presentation.

Page 3

SEGMENT DETAIL

NET REVENUES

(In millions of dollars)

	1Q			2Q		3Q			4Q			1Q			2Q		3Q			4Q			1Q		2Q			3Q			4Q		1Q
	2012			2012		2012			2012			2013			2013		2013			2013			2014		2014			2014			2014		2015

Global Consumer Banking
North America	$	5,253		$	5,186	$	5,454		$	5,399		$	5,187		$	5,130	$	4,813		$	4,945		$	4,856	$	4,856		$	5,070		$	5,165	$	5,008
Latin America	1,451			1,395		1,480			1,563			1,589			1,617		1,586			1,689			1,564		1,626			1,687			1,632		1,420
Asia (1)	2,015			1,963		2,006			2,026			2,008			2,016		1,913			1,902			1,946		1,998			2,008			1,839		1,810
Total	8,719			8,544		8,940			8,988			8,784			8,763		8,312			8,536			8,366		8,480			8,765			8,636		8,238

Institutional Clients Group (Ex-CVA/DVA) (2)
North America	2,728			2,632		2,480			2,420			3,702			3,143		2,534			2,346			3,739		3,327			3,383			2,544		3,248
EMEA	3,505			2,527		2,750			2,381			2,938			2,818		2,363			2,081			2,750		2,433			2,530			2,073		2,998
Latin America	1,209			1,195		1,250			1,176			1,259			1,232		1,137			1,172			1,148		1,150			1,018			955		980
Asia	2,062			1,715		1,776			1,552			2,002			1,939		1,627			1,632			1,636		1,593			1,787			1,639		1,805
Total	9,504			8,069		8,256			7,529			9,901			9,132		7,661			7,231			9,273		8,503			8,718			7,211		9,031

Corporate / Other	2,325			1,657		(2,681		)	2,010			1,952			2,220		2,304			2,270			2,560		2,475			2,577			2,045		2,540

Total Citigroup - Net Revenues (Ex-CVA/DVA) (2)	$	20,548		$	18,270	$	14,515		$	18,527		$	20,637		$	20,115	$	18,277		$	18,037		$	20,199	$	19,458		$	20,060		$	17,892	$	19,809

CVA/DVA for Periods Prior to 1Q16 (2)	(1,288		)	219		(776		)	(485		)	(319		)	477		(336		)	(164		)	7		(33		)	(371		)	7		(73		)

Total Citigroup - Net Revenues	$	19,260		$	18,489	$	13,739		$	18,042		$	20,318		$	20,592	$	17,941		$	17,873		$	20,206	$	19,425		$	19,689		$	17,899	$	19,736

(1)		Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.
(2)		Credit valuation adjustments (CVA) on derivatives (counterparty and own-credit), net of hedges; Funding Valuation Adjustments (FVA) on derivatives; and Debt Valuation Adjustments (DVA) on Citigroups fair value option liabilities (collectively referred to as CVA/DVA). Effective January 1, 2016, Citigroup early adopted on a prospective basis the amendment in ASU No. 2016-01, Financial Instruments Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities, related to the presentation of DVA on fair value option liabilities. Accordingly, beginning in the first quarter of 2016, the portion of the change in fair value of these liabilities related to changes in Citigroups own credit spreads (DVA) are reflected as a component of Accumulated Other Comprehensive Income (AOCI); previously these amounts were recognized in Citigroups revenues and net income. In the tables above and on pages 5, 15 and 16, results for all periods prior to the first quarter of 2016 exclude the impact of CVA/DVA, as applicable, for consistency with the current periods presentation. Citigroups results of operations excluding the impact of CVA/DVA in such periods are non-GAAP financial measures.

Reclassified to conform to the current periods presentation.

Page 4

SEGMENT DETAIL

NET REVENUES

(In millions of dollars)

																Full			Full			Full			Full
	2Q		3Q		4Q			1Q		2Q		3Q		4Q		Year			Year			Year			Year
	2015		2015		2015			2016		2016		2016		2016		2012			2013			2014			2015

Global Consumer Banking
North America	$	4,848	$	4,840	$	4,819		$	4,830	$	4,709	$	5,161	$	5,059	$	21,292		$	20,075		$	19,947		$	19,515
Latin America	1,420		1,533		1,349			1,229		1,236		1,245		1,212		5,889			6,481			6,509			5,722
Asia (1)	1,860		1,698		1,646			1,655		1,729		1,758		1,696		8,010			7,839			7,791			7,014
Total	8,128		8,071		7,814			7,714		7,674		8,164		7,967		35,191			34,395			34,247			32,251

Institutional Clients Group (Ex-CVA/DVA) (2)
North America	3,305		3,282		2,705			2,980		3,393		3,191		2,949		10,260			11,725			12,993			12,540
EMEA	2,383		2,198		2,077			2,167		2,577		2,506		2,605		11,163			10,200			9,786			9,656
Latin America	987		1,032		937			962		1,022		999		994		4,830			4,800			4,271			3,936
Asia	1,791		1,748		1,587			1,786		1,697		1,763		1,636		7,105			7,200			6,655			6,931
Total	8,466		8,260		7,306			7,895		8,689		8,459		8,184		33,358			33,925			33,705			33,063

Corporate / Other	2,564		2,165		3,517			1,946		1,185		1,137		861		3,311			8,746			9,657			10,786

Total Citigroup - Net Revenues (Ex-CVA/DVA) (2)	$	19,158	$	18,496	$	18,637		$	17,555	$	17,548	$	17,760	$	17,012	71,860			77,066			77,609			76,100

CVA/DVA for Periods Prior to 1Q16 (2)	312		196		(181		)									(2,330		)	(342		)	(390		)	254

Total Citigroup - Net Revenues	$	19,470	$	18,692	$	18,456		$	17,555	$	17,548	$	17,760	$	17,012	$	69,530		$	76,724		$	77,219		$	76,354

(1)		Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.
(2)		Credit valuation adjustments (CVA) on derivatives (counterparty and own-credit), net of hedges; Funding Valuation Adjustments (FVA) on derivatives; and Debt Valuation Adjustments (DVA) on Citigroups fair value option liabilities (collectively referred to as CVA/DVA). Effective January 1, 2016, Citigroup early adopted on a prospective basis the amendment in ASU No. 2016-01, Financial Instruments Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities, related to the presentation of DVA on fair value option liabilities. Accordingly, beginning in the first quarter of 2016, the portion of the change in fair value of these liabilities related to changes in Citigroups own credit spreads (DVA) are reflected as a component of Accumulated Other Comprehensive Income (AOCI); previously these amounts were recognized in Citigroups revenues and net income. In the tables above and on pages 5, 15 and 16, results for all periods prior to the first quarter of 2016 exclude the impact of CVA/DVA, as applicable, for consistency with the current periods presentation. Citigroups results of operations excluding the impact of CVA/DVA in such periods are non-GAAP financial measures.

Reclassified to conform to the current periods presentation.

Page 4

SEGMENT DETAIL

NET REVENUES

(In millions of dollars)

Full

Year

2016

Global Consumer Banking

North America

19,759

Latin America

4,922

Asia (1)

6,838

Total

31,519

Institutional Clients Group (Ex-CVA/DVA) (2)

North America

12,513

EMEA

9,855

Latin America

3,977

Asia

6,882

Total

33,227

Corporate / Other

5,129

Total Citigroup - Net Revenues (Ex-CVA/DVA) (2)

69,875

CVA/DVA for Periods Prior to 1Q16 (2)

Total Citigroup - Net Revenues

69,875

(1)		Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.
(2)		Credit valuation adjustments (CVA) on derivatives (counterparty and own-credit), net of hedges; Funding Valuation Adjustments (FVA) on derivatives; and Debt Valuation Adjustments (DVA) on Citigroups fair value option liabilities (collectively referred to as CVA/DVA). Effective January 1, 2016, Citigroup early adopted on a prospective basis the amendment in ASU No. 2016-01, Financial Instruments Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities, related to the presentation of DVA on fair value option liabilities. Accordingly, beginning in the first quarter of 2016, the portion of the change in fair value of these liabilities related to changes in Citigroups own credit spreads (DVA) are reflected as a component of Accumulated Other Comprehensive Income (AOCI); previously these amounts were recognized in Citigroups revenues and net income. In the tables above and on pages 5, 15 and 16, results for all periods prior to the first quarter of 2016 exclude the impact of CVA/DVA, as applicable, for consistency with the current periods presentation. Citigroups results of operations excluding the impact of CVA/DVA in such periods are non-GAAP financial measures.

Reclassified to conform to the current periods presentation.

Page 4

SEGMENT DETAIL

INCOME

(In millions of dollars)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015
Income from Continuing Operations:

Global Consumer Banking
North America	$	1,278		$	1,150		$	1,253		$	951		$	1,085		$	1,093		$	907		$	880		$	1,035		$	1,094		$	1,205		$	1,158		$	1,121
Latin America	305			282			296			385			319			270			211			315			221			206			284			243			207
Asia (1)	445			419			418			320			367			390			347			298			359			210			370			282			339
Total	2,028			1,851			1,967			1,656			1,771			1,753			1,465			1,493			1,615			1,510			1,859			1,683			1,667

Institutional Clients Group (Ex-CVA/DVA) (2)
North America	625			551			649			508			1,301			854			577			471			1,364			1,143			955			653			927
EMEA	1,215			666			830			465			775			876			516			422			763			565			660			242			998
Latin America	513			504			513			374			483			529			461			209			402			461			330			288			381
Asia	666			436			509			367			693			618			421			478			481			448			631			514			643
Total	3,019			2,157			2,501			1,714			3,252			2,877			1,975			1,580			3,010			2,617			2,576			1,697			2,949

Corporate / Other	(1,231		)	(1,200		)	(3,472		)	(1,776		)	(929		)	(729		)	(31		)	(648		)	(677		)	(3,854		)	(1,291		)	(3,001		)	248

Income From Continuing Operations - Ex-CVA/DVA (2)	3,816			2,808			996			1,594			4,094			3,901			3,409			2,425			3,948			273			3,144			379			4,864

Discontinued Operations	12			7			8			(85		)	(33		)	30			92			181			37			(22		)	(16		)	(1		)	(5		)

Net Income Attributable to Noncontrolling Interests	126			40			25			28			90			36			51			50			45			50			59			38			42

Citigroups Net Income - Ex-CVA/DVA (2)	$	3,702		$	2,775		$	979		$	1,481		$	3,971		$	3,895		$	3,450		$	2,556		$	3,940		$	201		$	3,069		$	340		$	4,817

CVA/DVA (after-tax) for Periods Prior to 1Q16 (2)	(800		)	140			(485		)	(301		)	(198		)	293			(208		)	(100		)	4			(20		)	(228		)	4			(47		)

Total Citigroup - Net Income	$	2,902		$	2,915		$	494		$	1,180		$	3,773		$	4,188		$	3,242		$	2,456		$	3,944		$	181		$	2,841		$	344		$	4,770

Average Assets
North America	$	791		$	805		$	823		$	817		$	802		$	820		$	823		$	844		$	854		$	845		$	872		$	895		$	885
EMEA (1)	326			329			312			320			327			340			322			326			336			348			324			329			317
Latin America	149			148			152			158			166			167			161			163			162			162			157			151			146
Asia (1)	333			339			340			338			337			334			328			331			326			334			326			320			311
Corporate / Other	313			295			282			272			255			238			223			224			210			214			216			205			194
Total	$	1,912		$	1,916		$	1,909		$	1,905		$	1,887		$	1,899		$	1,857		$	1,888		$	1,888		$	1,903		$	1,895		$	1,900		$	1,853

Return on Average Assets (ROA)(Ex-CVA/DVA) (2) (3)
North America	0.95		%	0.84		%	0.92		%	0.71		%	1.20		%	0.95		%	0.71		%	0.62		%	1.14		%	1.06		%	0.97		%	0.80		%	0.93		%
EMEA (1)	1.47		%	0.79		%	1.03		%	0.56		%	0.92		%	1.00		%	0.62		%	0.50		%	0.90		%	0.63		%	0.78		%	0.27		%	1.24		%
Latin America	2.21		%	2.14		%	2.11		%	1.92		%	1.96		%	1.92		%	1.65		%	1.27		%	1.55		%	1.65		%	1.55		%	1.40		%	1.63		%
Asia (1)	1.34		%	1.01		%	1.08		%	0.81		%	1.27		%	1.20		%	0.92		%	0.95		%	1.04		%	0.78		%	1.21		%	0.98		%	1.29		%
Corporate/Other	(1.65		)%	(1.64		)%	(4.90		)%	(2.73		)%	(1.59		)%	(1.19		)%	0.06		%	(0.88		)%	(1.26		)%	(7.31		)%	(2.41		)%	(5.82		)%	0.48		%
Total	0.78		%	0.58		%	0.20		%	0.31		%	0.85		%	0.82		%	0.74		%	0.54		%	0.85		%	0.04		%	0.64		%	0.07		%	1.05		%

(1) Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.

(2) See footnote 2 on page 4.

(3) For all periods prior to the first quarter of 2016, ROA excluding CVA/DVA is defined as annualized net income (less CVA/DVA), divided by average assets. See above for after-tax CVA/DVA for each period presented.

Reclassified to conform to the current periods presentation.

Page 5

SEGMENT DETAIL

INCOME

(In millions of dollars)

															Full		Full		Full		Full
	2Q		3Q		4Q		1Q		2Q		3Q		4Q		Year		Year		Year		Year
	2015		2015		2015		2016		2016		2016		2016		2012		2013		2014		2015
Income from Continuing Operations:

Global Consumer Banking
North America	$1,056		$1,049		$962		$833		$815		$780		$810		$4,632		$3,965		$4,492		$4,188
Latin America	181		297		141		146		173		160		154		1,268		1,115		954		826
Asia (1)	338		306		217		215		297		310		261		1,602		1,402		1,221		1,200
Total	1,575		1,652		1,320		1,194		1,285		1,250		1,225		7,502		6,482		6,667		6,214

Institutional Clients Group (Ex-CVA/DVA) (2)
North America	937		887		465		546		1,005		1,067		877		2,333		3,203		4,115		3,216
EMEA	579		372		196		374		695		649		647		3,176		2,589		2,230		2,145
Latin America	409		380		176		330		392		389		343		1,904		1,682		1,481		1,346
Asia	630		535		423		619		523		555		514		1,978		2,210		2,074		2,231
Total	2,555		2,174		1,260		1,869		2,615		2,660		2,381		9,391		9,684		9,900		8,938

Corporate / Other	532		353		939		445		147		(23	)	(15	)	(7,679	)	(2,337	)	(8,823	)	2,072

Income From Continuing Operations - Ex-CVA/DVA (2)	4,662		4,179		3,519		3,508		4,047		3,887		3,591		9,214		13,829		7,744		17,224

Discontinued Operations	6		(10	)	(45	)	(2	)	(23	)	(30	)	(3	)	(58	)	270		(2	)	(54	)

Net Income Attributable to Noncontrolling Interests	18		5		25		5		26		17		15		219		227		192		90

Citigroups Net Income - Ex-CVA/DVA (2)	$4,650		$4,164		$3,449		$3,501		$3,998		$3,840		$3,573		$8,937		$13,872		$7,550		$17,080

CVA/DVA (after-tax) for Periods Prior to 1Q16 (2)	196		127		(114	)									(1,446	)	(213	)	(240	)	162

Total Citigroup - Net Income	$4,846		$4,291		$3,335		$3,501		$3,998		$3,840		$3,573		$7,491		$13,659		$7,310		$17,242

Average Assets
North America	$876		$882		$890		$907		$926		$947		$966		$808		$822		$867		$883
EMEA (1)	331		312		300		301		312		316		308		322		329		334		315
Latin America	145		138		138		134		134		131		128		152		164		158		142
Asia (1)	313		307		308		307		315		325		318		338		333		327		310
Corporate / Other	175		179		148		129		120		111		100		291		235		211		174
Total	$1,840		$1,818		$1,784		$1,778		$1,807		$1,830		$1,820		$1,911		$1,883		$1,897		$1,824

Return on Average Assets (ROA)(Ex-CVA/DVA) (2) (3)
North America	0.91	%	0.87	%	0.64	%	0.61	%	0.79	%	0.77	%	0.70	%	0.86	%	0.87	%	0.99	%	0.84	%
EMEA (1)	0.69	%	0.47	%	0.25	%	0.49	%	0.88	%	0.80	%	0.82	%	0.96	%	0.76	%	0.64	%	0.67	%
Latin America	1.63	%	1.94	%	0.90	%	1.43	%	1.69	%	1.66	%	1.54	%	2.09	%	1.70	%	1.54	%	1.53	%
Asia (1)	1.24	%	1.08	%	0.82	%	1.09	%	1.04	%	1.06	%	0.97	%	1.06	%	1.09	%	1.00	%	1.10	%
Corporate/Other	1.24	%	0.75	%	2.35	%	1.40	%	0.39	%	(0.17	)%	(0.08	)%	(2.69	)%	(0.92	)%	(4.20	)%	1.14	%
Total	1.01	%	0.91	%	0.77	%	0.79	%	0.89	%	0.83	%	0.78	%	0.47	%	0.74	%	0.40	%	0.94	%

(1) Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.

(2) See footnote 2 on page 4.

Reclassified to conform to the current periods presentation.

Page 5

SEGMENT DETAIL

INCOME

(In millions of dollars)

	Full
	Year
	2016
Income from Continuing Operations:

Global Consumer Banking
North America	$	3,238
Latin America	633
Asia (1)	1,083
Total	4,954

Institutional Clients Group (Ex-CVA/DVA) (2)
North America	3,495
EMEA	2,365
Latin America	1,454
Asia	2,211
Total	9,525

Corporate / Other	554

Income From Continuing Operations - Ex-CVA/DVA (2)	15,033

Discontinued Operations	(58		)

Net Income Attributable to Noncontrolling Interests	63

Citigroups Net Income - Ex-CVA/DVA (2)	$	14,912

CVA/DVA (after-tax) for Periods Prior to 1Q16 (2)

Total Citigroup - Net Income	$	14,912

Average Assets
North America	$	937
EMEA (1)	309
Latin America	132
Asia (1)	316
Corporate / Other	115
Total	$	1,809

Return on Average Assets (ROA)(Ex-CVA/DVA) (2) (3)
North America	0.72		%
EMEA (1)	0.75		%
Latin America	1.58		%
Asia (1)	1.04		%
Corporate/Other	0.43		%
Total	0.82		%

(1) Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.

(2) See footnote 2 on page 4.

Reclassified to conform to the current periods presentation.

Page 5

GLOBAL CONSUMER BANKING

Page 1

(In millions of dollars, except as otherwise noted)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

Net Interest Revenue	$	6,512		$	6,378		$	6,550		$	6,667		$	6,551		$	6,465		$	6,523		$	6,744		$	6,523		$	6,635		$	6,833		$	6,807		$	6,400
Non-Interest Revenue	2,207			2,166			2,390			2,321			2,233			2,298			1,789			1,792			1,843			1,845			1,932			1,829			1,838
Total Revenues, Net of Interest Expense	8,719			8,544			8,940			8,988			8,784			8,763			8,312			8,536			8,366			8,480			8,765			8,636			8,238
Total Operating Expenses	4,475			4,570			4,668			5,078			4,628			4,604			4,528			4,656			4,554			4,805			4,634			4,671			4,300
Net Credit Losses	2,037			1,882			1,786			1,767			1,749			1,660			1,570			1,623			1,644			1,651			1,596			1,625			1,490
Credit Reserve Build / (Release)	(807		)	(770		)	(513		)	(179		)	(352		)	(244		)	(87		)	(13		)	(219		)	(304		)	(351		)	(249		)	(150		)
Provision for Unfunded Lending Commitments							1			(1		)	14			10			14			(3		)	(2		)	(5		)	(2		)	(17		)
Provision for Benefits and Claims	48			39			54			53			53			34			39			40			40			26			38			40			28
Provisions for Credit Losses and for Benefits and Claims (LLR & PBC)	1,278			1,151			1,328			1,640			1,464			1,460			1,536			1,647			1,463			1,368			1,281			1,399			1,368
Income from Continuing Operations before Taxes	2,966			2,823			2,944			2,270			2,692			2,699			2,248			2,233			2,349			2,307			2,850			2,566			2,570
Income Taxes	938			972			977			614			921			946			783			740			734			797			991			883			903
Income from Continuing Operations	2,028			1,851			1,967			1,656			1,771			1,753			1,465			1,493			1,615			1,510			1,859			1,683			1,667
Noncontrolling Interests	2						3			2			5			5			5			1			7			7			7			3			(4		)
Net Income	$	2,026		$	1,851		$	1,964		$	1,654		$	1,766		$	1,748		$	1,460		$	1,492		$	1,608		$	1,503		$	1,852		$	1,680		$	1,671
EOP Assets (in billions of dollars)	$	382		$	379		$	386		$	387		$	390		$	383		$	393		$	398		$	391		$	399		$	395		$	392		$	374
Average Assets (in billions of dollars)	$	377		$	372		$	380		$	383		$	386		$	381		$	381		$	392		$	390		$	393		$	395		$	391		$	379
Return on Average Assets (ROA)	2.16		%	2.00		%	2.06		%	1.72		%	1.86		%	1.84		%	1.52		%	1.51		%	1.67		%	1.53		%	1.86		%	1.70		%	1.79		%
Efficiency Ratio	51		%	53		%	52		%	56		%	53		%	53		%	54		%	55		%	54		%	57		%	53		%	54		%	52		%

Net Credit Losses as a % of Average Loans	3.09		%	2.90		%	2.69		%	2.62		%	2.63		%	2.52		%	2.33		%	2.32		%	2.40		%	2.36		%	2.25		%	2.30		%	2.21		%

Revenue by Business
Retail Banking	$	3,968		$	3,878		$	4,074		$	4,022		$	3,970		$	3,984		$	3,400		$	3,405		$	3,466		$	3,546		$	3,649		$	3,630		$	3,483
Cards (1)	4,751			4,666			4,866			4,966			4,814			4,779			4,912			5,131			4,900			4,934			5,116			5,006			4,755
Total	$	8,719		$	8,544		$	8,940		$	8,988		$	8,784		$	8,763		$	8,312		$	8,536		$	8,366		$	8,480		$	8,765		$	8,636		$	8,238

Net Credit Losses by Business
Retail Banking	$	218		$	197		$	240		$	276		$	251		$	242		$	249		$	279		$	271		$	281		$	276		$	332		$	256
Cards (1)	1,819			1,685			1,546			1,491			1,498			1,418			1,321			1,344			1,373			1,370			1,320			1,293			1,234
Total	$	2,037		$	1,882		$	1,786		$	1,767		$	1,749		$	1,660		$	1,570		$	1,623		$	1,644		$	1,651		$	1,596		$	1,625		$	1,490

Income from Continuing Operations by Business
Retail Banking	$	812		$	752		$	780		$	619		$	667		$	630		$	255		$	330		$	380		$	327		$	528		$	471		$	539
Cards (1)	1,216			1,099			1,187			1,037			1,104			1,123			1,210			1,163			1,235			1,183			1,331			1,212			1,128
Total	$	2,028		$	1,851		$	1,967		$	1,656		$	1,771		$	1,753		$	1,465		$	1,493		$	1,615		$	1,510		$	1,859		$	1,683		$	1,667

Foreign Currency (FX) Translation Impact:
Total Revenue - as Reported	$	8,719		$	8,544		$	8,940		$	8,988		$	8,784		$	8,763		$	8,312		$	8,536		$	8,366		$	8,480		$	8,765		$	8,636		$	8,238
Impact of FX Translation (2)	(782		)	(700		)	(770		)	(839		)	(860		)	(826		)	(746		)	(792		)	(715		)	(791		)	(762		)	(608		)	(422		)
Total Revenues - Ex-FX (2)	$	7,937		$	7,844		$	8,170		$	8,149		$	7,924		$	7,937		$	7,566		$	7,744		$	7,651		$	7,689		$	8,003		$	8,028		$	7,816

Total Operating Expenses - as Reported	$	4,475		$	4,570		$	4,668		$	5,078		$	4,628		$	4,604		$	4,528		$	4,656		$	4,554		$	4,805		$	4,634		$	4,671		$	4,300
Impact of FX Translation (2)	(419		)	(366		)	(406		)	(471		)	(438		)	(436		)	(362		)	(409		)	(400		)	(471		)	(425		)	(342		)	(199		)
Total Operating Expenses - Ex-FX (2)	$	4,056		$	4,204		$	4,262		$	4,607		$	4,190		$	4,168		$	4,166		$	4,247		$	4,154		$	4,334		$	4,209		$	4,329		$	4,101

Total Provisions for LLR & PBC - as Reported	$	1,278		$	1,151		$	1,328		$	1,640		$	1,464		$	1,460		$	1,536		$	1,647		$	1,463		$	1,368		$	1,281		$	1,399		$	1,368
Impact of FX Translation (2)	(141		)	(112		)	(137		)	(159		)	(172		)	(175		)	(186		)	(165		)	(170		)	(206		)	(171		)	(148		)	(96		)
Total Provisions for LLR & PBC - Ex-FX (2)	$	1,137		$	1,039		$	1,191		$	1,481		$	1,292		$	1,285		$	1,350		$	1,482		$	1,293		$	1,162		$	1,110		$	1,251		$	1,272

Net Income - as Reported	$	2,026		$	1,851		$	1,964		$	1,654		$	1,766		$	1,748		$	1,460		$	1,492		$	1,608		$	1,503		$	1,852		$	1,680		$	1,671
Impact of FX Translation (2)	(152		)	(157		)	(160		)	(175		)	(158		)	(132		)	(123		)	(140		)	(95		)	(79		)	(109		)	(102		)	(91		)
Net Income - Ex-FX (2)	$	1,874		$	1,694		$	1,804		$	1,479		$	1,608		$	1,616		$	1,337		$	1,352		$	1,513		$	1,424		$	1,743		$	1,578		$	1,580

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

(2) Reflects the impact of foreign currency (FX) translation into U.S. Dollars at the fourth quarter of 2016 average exchange rates for all periods presented. Citigroup's results of operations excluding the impact of FX translation are non-GAAP financial measures.

Reclassified to conform to the current periods presentation.

Page 6

GLOBAL CONSUMER BANKING

Page 1

(In millions of dollars, except as otherwise noted)

																						Full			Full			Full			Full
	2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2015			2015			2015			2016			2016			2016			2016			2012			2013			2014			2015

Net Interest Revenue	$	6,404		$	6,460		$	6,488		$	6,352		$	6,308		$	6,709		$	6,656		$	26,107		$	26,283		$	26,798		$	25,752
Non-Interest Revenue	1,724			1,611			1,326			1,362			1,366			1,455			1,311			9,084			8,112			7,449			6,499
Total Revenues, Net of Interest Expense	8,128			8,071			7,814			7,714			7,674			8,164			7,967			35,191			34,395			34,247			32,251
Total Operating Expenses	4,334			4,225			4,340			4,401			4,297			4,429			4,356			18,791			18,416			18,664			17,199
Net Credit Losses	1,504			1,353			1,405			1,371			1,374			1,349			1,516			7,472			6,602			6,516			5,752
Credit Reserve Build / (Release)	(98		)	(102		)	(45		)	85			23			436			164			(2,269		)	(696		)	(1,123		)	(395		)
Provision for Unfunded Lending Commitments	(4		)	1			7			1			8			(3		)	(3		)				35			(26		)	4
Provision for Benefits and Claims	22			28			30			28			20			26			32			194			166			144			108
Provisions for Credit Losses and for Benefits and Claims (LLR & PBC)	1,424			1,280			1,397			1,485			1,425			1,808			1,709			5,397			6,107			5,511			5,469
Income from Continuing Operations before Taxes	2,370			2,566			2,077			1,828			1,952			1,927			1,902			11,003			9,872			10,072			9,583
Income Taxes	795			914			757			634			667			677			677			3,501			3,390			3,405			3,369
Income from Continuing Operations	1,575			1,652			1,320			1,194			1,285			1,250			1,225			7,502			6,482			6,667			6,214
Noncontrolling Interests	5			8			1			2			1			3			1			7			16			24			10
Net Income	$	1,570		$	1,644		$	1,319		$	1,192		$	1,284		$	1,247		$	1,224		$	7,495		$	6,466		$	6,643		$	6,204
EOP Assets (in billions of dollars)	$	381		$	376		$	381		$	384		$	399		$	411		$	412
Average Assets (in billions of dollars)	$	380		$	374		$	378		$	377		$	387		$	409		$	410		$	378		$	385		$	392		$	378
Return on Average Assets (ROA)	1.66		%	1.74		%	1.38		%	1.27		%	1.33		%	1.21		%	1.19		%	1.98		%	1.68		%	1.69		%	1.64		%
Efficiency Ratio	53		%	52		%	56		%	57		%	56		%	54		%	55		%	53		%	54		%	54		%	53		%

Net Credit Losses as a % of Average Loans	2.22		%	1.99		%	2.05		%	2.04		%	2.02		%	1.87		%	2.10		%	2.82		%	2.45		%	2.33		%	2.12		%

Revenue by Business
Retail Banking	$	3,483		$	3,461		$	3,227		$	3,187		$	3,242		$	3,330		$	3,157		$	15,942		$	14,759		$	14,291		$	13,654
Cards (1)	4,645			4,610			4,587			4,527			4,432			4,834			4,810			19,249			19,636			19,956			18,597
Total	$	8,128		$	8,071		$	7,814		$	7,714		$	7,674		$	8,164		$	7,967		$	35,191		$	34,395		$	34,247		$	32,251


Net Credit Losses by Business
Retail Banking	$	261		$	246		$	295		$	221		$	243		$	257		$	286		$	931		$	1,021		$	1,160		$	1,058
Cards (1)	1,243			1,107			1,110			1,150			1,131			1,092			1,230			6,541			5,581			5,356			4,694
Total	$	1,504		$	1,353		$	1,405		$	1,371		$	1,374		$	1,349		$	1,516		$	7,472		$	6,602		$	6,516		$	5,752


Income from Continuing Operations by Business
Retail Banking	$	517		$	541		$	278		$	298		$	472		$	461		$	335		$	2,963		$	1,882		$	1,706		$	1,875
Cards (1)	1,058			1,111			1,042			896			813			789			890			4,539			4,600			4,961			4,339
Total	$	1,575		$	1,652		$	1,320		$	1,194		$	1,285		$	1,250		$	1,225		$	7,502		$	6,482		$	6,667		$	6,214

Foreign Currency (FX) Translation Impact:
Total Revenue - as Reported	$	8,128		$	8,071		$	7,814		$	7,714		$	7,674		$	8,164		$	7,967		$	35,191		$	34,395		$	34,247		$	32,251
Impact of FX Translation (2)	(460		)	(271		)	(233		)	(131		)	(140		)	(92		)				(2,761		)	(2,880		)	(2,521		)	(998		)
Total Revenues - Ex-FX (2)	$	7,668		$	7,800		$	7,581		$	7,583		$	7,534		$	8,072		$	7,967		$	32,430		$	31,515		$	31,726		$	31,253

Total Operating Expenses - as Reported	$	4,334		$	4,225		$	4,340		$	4,401		$	4,297		$	4,429		$	4,356		$	18,791		$	18,416		$	18,664		$	17,199
Impact of FX Translation (2)	(211		)	(121		)	(108		)	(61		)	(72		)	(51		)				(1,479		)	(1,468		)	(1,437		)	(463		)
Total Operating Expenses - Ex-FX (2)	$	4,123		$	4,104		$	4,232		$	4,340		$	4,225		$	4,378		$	4,356		$	17,312		$	16,948		$	17,227		$	16,736

Total Provisions for LLR & PBC - as Reported	$	1,424		$	1,280		$	1,397		$	1,485		$	1,425		$	1,808		$	1,709		$	5,397		$	6,107		$	5,511		$	5,469
Impact of FX Translation (2)	(89		)	(57		)	(53		)	(35		)	(28		)	(18		)				(485		)	(623		)	(613		)	(213		)
Total Provisions for LLR & PBC - Ex-FX (2)	$	1,335		$	1,223		$	1,344		$	1,450		$	1,397		$	1,790		$	1,709		$	4,912		$	5,484		$	4,898		$	5,256

Net Income - as Reported	$	1,570		$	1,644		$	1,319		$	1,192		$	1,284		$	1,247		$	1,224		$	7,495		$	6,466		$	6,643		$	6,204
Impact of FX Translation (2)	(112		)	(70		)	(59		)	(29		)	(29		)	(16		)				(583		)	(489		)	(324		)	(239		)
Net Income - Ex-FX (2)	$	1,458		$	1,574		$	1,260		$	1,163		$	1,255		$	1,231		$	1,224		$	6,912		$	5,977		$	6,319		$	5,965

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

Reclassified to conform to the current periods presentation.

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GLOBAL CONSUMER BANKING

Page 1

(In millions of dollars, except as otherwise noted)

	Full
	Year
	2016

Net Interest Revenue	$	26,025
Non-Interest Revenue	5,494
Total Revenues, Net of Interest Expense	31,519
Total Operating Expenses	17,483
Net Credit Losses	5,610
Credit Reserve Build / (Release)	708
Provision for Unfunded Lending Commitments	3
Provision for Benefits and Claims	106
Provisions for Credit Losses and for Benefits and Claims (LLR & PBC)	6,427
Income from Continuing Operations before Taxes	7,609
Income Taxes	2,655
Income from Continuing Operations	4,954
Noncontrolling Interests	7
Net Income	$	4,947
EOP Assets (in billions of dollars)
Average Assets (in billions of dollars)	$	396
Return on Average Assets (ROA)	1.25		%
Efficiency Ratio	55		%

Net Credit Losses as a % of Average Loans	2.01		%

Revenue by Business
Retail Banking	$	12,916
Cards (1)	18,603
Total	$	31,519

Net Credit Losses by Business
Retail Banking	$	1,007
Cards (1)	4,603
Total	$	5,610

Income from Continuing Operations by Business
Retail Banking	$	1,566
Cards (1)	3,388
Total	$	4,954

Foreign Currency (FX) Translation Impact:
Total Revenue - as Reported	$	31,519
Impact of FX Translation (2)
Total Revenues - Ex-FX (2)	$	31,519

Total Operating Expenses - as Reported	$	17,483
Impact of FX Translation (2)
Total Operating Expenses - Ex-FX (2)	$	17,483

Total Provisions for LLR & PBC - as Reported	$	6,427
Impact of FX Translation (2)
Total Provisions for LLR & PBC - Ex-FX (2)	$	6,427

Net Income - as Reported	$	4,947
Impact of FX Translation (2)
Net Income - Ex-FX (2)	$	4,947

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

Reclassified to conform to the current periods presentation.

Page 6

GLOBAL CONSUMER BANKING

Page 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

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

Branches (actual)	3,496			3,435			3,429			3,403			3,326			3,324			3,283			3,259			3,150			3,047			3,028			2,888			2,786
Accounts (in millions)	55.9			57.1			57.2			57.0			57.0			57.1			56.9			56.9			56.5			56.8			56.1			55.4			55.1
Average Deposits	$	280.4		$	279.7		$	286.2		$	291.5		$	294.6		$	291.8		$	289.5		$	295.8		$	296.5		$	301.0		$	300.2		$	296.8		$	296.6
Investment Sales	$	20.0		$	18.1		$	22.1		$	21.6		$	25.9		$	26.0		$	21.7		$	21.5		$	25.2		$	24.9		$	28.1		$	22.7		$	25.5
Investment Assets under Management (AUMs)	$	117.9		$	116.1		$	126.3		$	128.7		$	137.6		$	131.6		$	136.3		$	141.6		$	145.1		$	151.7		$	150.6		$	147.3		$	147.8
Average Loans	$	128.2		$	127.3		$	130.0		$	133.3		$	135.6		$	133.5		$	135.3		$	139.2		$	140.7		$	144.9		$	146.2		$	145.0		$	141.0
EOP Loans:
Mortgages	$	72.5		$	71.9		$	73.5		$	74.7		$	75.3		$	72.7		$	75.2		$	76.9		$	78.5		$	80.9		$	81.3		$	79.4		$	79.3
Commercial Banking	32.4			31.8			32.6			33.3			34.4			34.8			34.7			35.7			35.7			36.4			35.6			33.7			33.0
Personal and Other	24.0			24.2			25.7			26.3			26.7			26.2			26.4			27.5			28.4			29.2			29.0			28.3			28.4
EOP Loans	$	128.9		$	127.9		$	131.8		$	134.3		$	136.4		$	133.7		$	136.3		$	140.1		$	142.6		$	146.5		$	145.9		$	141.4		$	140.7

Net Interest Revenue (in millions) (1)	$	2,407		$	2,358		$	2,373		$	2,404		$	2,361		$	2,319		$	2,236		$	2,231		$	2,155		$	2,247		$	2,300		$	2,290		$	2,110
As a % of Average Loans	7.55		%	7.45		%	7.26		%	7.17		%	7.06		%	6.97		%	6.56		%	6.36		%	6.21		%	6.22		%	6.24		%	6.27		%	6.07		%

Net Credit Losses (in millions)	$	218		$	197		$	240		$	276		$	251		$	242		$	249		$	279		$	271		$	281		$	276		$	332		$	256
As a % of Average Loans	0.68		%	0.62		%	0.73		%	0.82		%	0.75		%	0.73		%	0.73		%	0.80		%	0.78		%	0.78		%	0.75		%	0.91		%	0.74		%
Loans 90+ Days Past Due (in millions) (2)	$	711		$	744		$	742		$	742		$	742		$	710		$	745		$	840		$	890		$	904		$	868		$	736		$	540
As a % of EOP Loans	0.56		%	0.59		%	0.57		%	0.56		%	0.55		%	0.54		%	0.55		%	0.60		%	0.63		%	0.62		%	0.60		%	0.52		%	0.39		%
Loans 30-89 Days Past Due (in millions) (2)	$	857		$	878		$	969		$	921		$	1,003		$	906		$	941		$	893		$	839		$	883		$	840		$	794		$	791
As a % of EOP Loans	0.67		%	0.69		%	0.74		%	0.69		%	0.74		%	0.68		%	0.70		%	0.64		%	0.59		%	0.61		%	0.58		%	0.57		%	0.57		%

Cards Key Indicators (in millions of dollars, except as otherwise noted) (3)
EOP Open Accounts (in millions)	128.1			127.3			127.1			127.5			126.7			125.6			138.7			139.1			137.1			137.6			135.4			136.3			135.6
Purchase Sales (in billions)	$	76.2		$	81.3		$	80.9		$	87.6		$	77.5		$	85.0		$	83.8		$	92.6		$	79.6		$	89.2		$	88.1		$	94.0		$	80.1

Average Loans (in billions) (4)	$	137.2		$	133.5		$	134.0		$	134.8		$	133.6		$	130.9		$	131.7		$	138.2		$	137.2		$	135.4		$	135.5		$	135.3		$	132.4
EOP Loans (in billions) (4)	$	135.3		$	134.9		$	135.2		$	138.9		$	131.7		$	131.8		$	137.7		$	143.5		$	135.1		$	137.4		$	135.7		$	139.3		$	129.8
Average Yield (5)	13.60		%	13.42		%	13.43		%	13.41		%	13.53		%	13.34		%	13.32		%	13.21		%	13.32		%	13.37		%	13.43		%	13.37		%	13.39		%
Net Interest Revenue (6)	$	4,105		$	4,020		$	4,177		$	4,263		$	4,190		$	4,146		$	4,287		$	4,513		$	4,368		$	4,388		$	4,533		$	4,517		$	4,290
As a % of Average Loans (6)	12.03		%	12.11		%	12.40		%	12.58		%	12.72		%	12.70		%	12.91		%	12.96		%	12.91		%	13.00		%	13.27		%	13.25		%	13.14		%
Net Credit Losses	$	1,819		$	1,685		$	1,546		$	1,491		$	1,498		$	1,418		$	1,321		$	1,344		$	1,373		$	1,370		$	1,320		$	1,293		$	1,234
As a % of Average Loans	5.33		%	5.08		%	4.59		%	4.40		%	4.55		%	4.34		%	3.98		%	3.86		%	4.06		%	4.06		%	3.86		%	3.79		%	3.78		%
Net Credit Margin (7)	$	2,918		$	2,962		$	3,303		$	3,457		$	3,302		$	3,349		$	3,573		$	3,770		$	3,519		$	3,554		$	3,784		$	3,702		$	3,511
As a % of Average Loans (7)	8.55		%	8.92		%	9.81		%	10.20		%	10.02		%	10.26		%	10.76		%	10.82		%	10.40		%	10.53		%	11.08		%	10.86		%	10.75		%
Loans 90+ Days Past Due	$	2,221		$	1,948		$	1,888		$	1,946		$	1,830		$	1,649		$	1,683		$	1,878		$	1,784		$	1,657		$	1,640		$	1,708		$	1,592
As a % of EOP Loans	1.64		%	1.44		%	1.40		%	1.40		%	1.39		%	1.25		%	1.22		%	1.31		%	1.32		%	1.21		%	1.21		%	1.23		%	1.23		%
Loans 30-89 Days Past Due	$	2,370		$	2,094		$	2,102		$	2,109		$	1,910		$	1,716		$	1,943		$	2,023		$	1,866		$	1,794		$	1,849		$	1,792		$	1,623
As a % of EOP Loans	1.75		%	1.55		%	1.55		%	1.52		%	1.45		%	1.30		%	1.41		%	1.41		%	1.38		%	1.31		%	1.36		%	1.29		%	1.25		%

(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 footnote 2 on page 9.

(3) On June 17, 2016, Citi completed the acquisition of the $10.6 billion Costco U.S. co-brand credit card portfolio.

(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.

Page 7

GLOBAL CONSUMER BANKING

Page 2

																						4Q16 Increase/
	2Q			3Q			4Q			1Q			2Q			3Q			4Q			(Decrease) from
	2015			2015			2015			2016			2016			2016			2016			3Q16		4Q15

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

Branches (actual)	2,774			2,764			2,754			2,670			2,650			2,648			2,618			(1	)%	(5	)%
Accounts (in millions)	55.2			56.1			56.1			56.0			56.2			56.2			54.4			(3	)%	(3	)%
Average Deposits	$	296.5		$	293.5		$	293.8		$	293.9		$	297.4		$	301.2		$	301.1				2	%
Investment Sales	$	25.5		$	19.7		$	17.3		$	16.4		$	18.8		$	19.5		$	18.6		(5	)%	8	%
Investment Assets under Management (AUMs)	$	148.5		$	138.9		$	140.3		$	139.8		$	139.9		$	140.9		$	137.5		(2	)%	(2	)%
Average Loans	$	142.4		$	139.8		$	140.8		$	139.6		$	141.1		$	142.0		$	138.1		(3	)%	(2	)%
EOP Loans:
Mortgages	$	80.1		$	79.0		$	80.2		$	82.2		$	81.6		$	81.4		$	79.4		(2	)%	(1	)%
Commercial Banking	33.4			32.0			31.9			32.2			32.6			33.2			32.0			(4	)%
Personal and Other	28.9			28.1			28.2			27.6			27.2			27.0			24.9			(8	)%	(12	)%
EOP Loans	$	142.4		$	139.1		$	140.3		$	142.0		$	141.4		$	141.6		$	136.3		(4	)%	(3	)%

Net Interest Revenue (in millions) (1)	$	2,168		$	2,152		$	2,165		$	2,165		$	2,154		$	2,191		$	2,129		(3	)%	(2	)%
As a % of Average Loans	6.11		%	6.11		%	6.10		%	6.24		%	6.14		%	6.14		%	6.13		%

Net Credit Losses (in millions)	$	261		$	246		$	295		$	221		$	243		$	257		$	286		11	%	(3	)%
As a % of Average Loans	0.74		%	0.70		%	0.83		%	0.64		%	0.69		%	0.72		%	0.82		%
Loans 90+ Days Past Due (in millions) (2)	$	567		$	529		$	523		$	498		$	515		$	579		$	474		(18	)%	(9	)%
As a % of EOP Loans	0.40		%	0.38		%	0.38		%	0.35		%	0.37		%	0.41		%	0.35		%
Loans 30-89 Days Past Due (in millions) (2)	$	746		$	764		$	739		$	793		$	735		$	722		$	726		1	%	(2	)%
As a % of EOP Loans	0.53		%	0.55		%	0.53		%	0.56		%	0.52		%	0.51		%	0.54		%

Cards Key Indicators (in millions of dollars, except as otherwise noted) (3)
EOP Open Accounts (in millions)	135.9			135.6			135.9			134.1			143.0			143.0			142.7					5	%
Purchase Sales (in billions)	$	89.7		$	88.6		$	96.2		$	84.6		$	95.7		$	115.3		$	125.1		8	%	30	%

Average Loans (in billions) (4)	$	129.9		$	129.7		$	131.5		$	131.3		$	131.9		$	145.5		$	149.3		3	%	14	%
EOP Loans (in billions) (4)	$	131.7		$	130.3		$	136.3		$	130.3		$	143.4		$	147.8		$	155.6		5	%	14	%
Average Yield (5)	13.33		%	13.25		%	13.09		%	13.21		%	13.05		%	12.76		%	12.54		%
Net Interest Revenue (6)	$	4,236		$	4,308		$	4,323		$	4,187		$	4,154		$	4,518		$	4,527				5	%
As a % of Average Loans (6)	13.08		%	13.18		%	13.04		%	12.83		%	12.67		%	12.35		%	12.06		%
Net Credit Losses	$	1,243		$	1,107		$	1,110		$	1,150		$	1,131		$	1,092		$	1,230		13	%	11	%
As a % of Average Loans	3.84		%	3.39		%	3.35		%	3.52		%	3.45		%	2.99		%	3.28		%
Net Credit Margin (7)	$	3,393		$	3,493		$	3,468		$	3,368		$	3,292		$	3,734		$	3,572		(4	)%	3	%
As a % of Average Loans (7)	10.48		%	10.68		%	10.46		%	10.32		%	10.04		%	10.21		%	9.52		%
Loans 90+ Days Past Due	$	1,453		$	1,452		$	1,596		$	1,524		$	1,450		$	1,587		$	1,819		15	%	14	%
As a % of EOP Loans	1.10		%	1.11		%	1.17		%	1.17		%	1.01		%	1.07		%	1.17		%
Loans 30-89 Days Past Due	$	1,544		$	1,663		$	1,679		$	1,567		$	1,583		$	1,831		$	1,814		(1	)%	8	%
As a % of EOP Loans	1.17		%	1.28		%	1.23		%	1.20		%	1.10		%	1.24		%	1.17		%

(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 footnote 2 on page 9.

(3) On June 17, 2016, Citi completed the acquisition of the $10.6 billion Costco U.S. co-brand credit card portfolio.

(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 period's presentation.

Page 7

GLOBAL CONSUMER BANKING

NORTH AMERICA

Page 1

(In millions of dollars, except as otherwise noted)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

Net Interest Revenue	$	4,148		$	4,052		$	4,196		$	4,253		$	4,188		$	4,102		$	4,173		$	4,340		$	4,217		$	4,241		$	4,395		$	4,475		$	4,285
Non-Interest Revenue	1,105			1,134			1,258			1,146			999			1,028			640			605			639			615			675			690			723
Total Revenues, Net of Interest Expense	5,253			5,186			5,454			5,399			5,187			5,130			4,813			4,945			4,856			4,856			5,070			5,165			5,008
Total Operating Expenses	2,459			2,576			2,591			2,799			2,549			2,508			2,475			2,535			2,484			2,394			2,459			2,555			2,338
Net Credit Losses	1,629			1,509			1,351			1,266			1,257			1,189			1,084			1,108			1,102			1,073			1,018			1,013			961
Credit Reserve Build / (Release)	(842		)	(813		)	(518		)	(216		)	(371		)	(351		)	(228		)	(88		)	(270		)	(398		)	(340		)	(233		)	(100		)
Provision for Unfunded Lending Commitments							1			(1		)							3			2			2									(12		)	1
Provision for Benefits and Claims	14			18			18			18			14			12			18			16			6			11			12			11			10
Provisions for Loan Losses and for Benefits and Claims	801			714			852			1,067			900			850			877			1,038			840			686			690			779			872
Income from Continuing Operations before Taxes	1,993			1,896			2,011			1,533			1,738			1,772			1,461			1,372			1,532			1,776			1,921			1,831			1,798
Income Taxes	715			746			758			582			653			679			554			492			497			682			716			673			677
Income from Continuing Operations	1,278			1,150			1,253			951			1,085			1,093			907			880			1,035			1,094			1,205			1,158			1,121
Noncontrolling Interests							(1		)				1						1												1						1
Net Income	$	1,278		$	1,150		$	1,254		$	951		$	1,084		$	1,093		$	906		$	880		$	1,035		$	1,094		$	1,204		$	1,158		$	1,120
Average Assets (in billions)	$	200		$	201		$	204		$	204		$	202		$	201		$	203		$	211		$	209		$	210		$	213		$	214		$	208
Return on Average Assets	2.57		%	2.30		%	2.45		%	1.85		%	2.18		%	2.18		%	1.77		%	1.65		%	2.01		%	2.09		%	2.24		%	2.15		%	2.18		%
Efficiency Ratio	47		%	50		%	48		%	52		%	49		%	49		%	51		%	51		%	51		%	49		%	49		%	49		%	47		%

Net Credit Losses as a % of Average Loans	4.32		%	4.07		%	3.60		%	3.35		%	3.41		%	3.28		%	2.88		%	2.82		%	2.86		%	2.79		%	2.58		%	2.54		%	2.50		%

Revenue by Business
Retail Banking	$	1,714		$	1,732		$	1,824		$	1,751		$	1,648		$	1,667		$	1,196		$	1,155		$	1,210		$	1,246		$	1,306		$	1,433		$	1,371
Citi-Branded Cards	2,048			1,990			2,089			2,115			2,028			1,980			2,089			2,123			2,021			2,029			2,118			2,122			2,002
Citi Retail Services	1,491			1,464			1,541			1,533			1,511			1,483			1,528			1,667			1,625			1,581			1,646			1,610			1,635
Total	$	5,253		$	5,186		$	5,454		$	5,399		$	5,187		$	5,130		$	4,813		$	4,945		$	4,856		$	4,856		$	5,070		$	5,165		$	5,008

Net Credit Losses by Business
Retail Banking	$	62		$	60		$	72		$	52		$	57		$	43		$	39		$	49		$	34		$	38		$	35		$	36		$	36
Citi-Branded Cards	902			840			745			700			692			665			610			588			587			570			526			514			492
Citi Retail Services	665			609			534			514			508			481			435			471			481			465			457			463			433
Total	$	1,629		$	1,509		$	1,351		$	1,266		$	1,257		$	1,189		$	1,084		$	1,108		$	1,102		$	1,073		$	1,018		$	1,013		$	961

Income from Continuing Operations by Business
Retail Banking	$	329		$	327		$	332		$	215		$	224		$	267		$	(24	)	$	(4	)	$	35		$	110		$	129		$	161		$	183
Citi-Branded Cards	584			405			547			453			431			439			548			527			564			555			636			636			535
Citi Retail Services	365			418			374			283			430			387			383			357			436			429			440			361			403
Total	$	1,278		$	1,150		$	1,253		$	951		$	1,085		$	1,093		$	907		$	880		$	1,035		$	1,094		$	1,205		$	1,158		$	1,121

Reclassified to conform to the current periods presentation.

Page 8

GLOBAL CONSUMER BANKING

NORTH AMERICA

Page 1

(In millions of dollars, except as otherwise noted)

																						Full			Full			Full			Full
	2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2015			2015			2015			2016			2016			2016			2016			2012			2013			2014			2015

Net Interest Revenue	$	4,266		$	4,403		$	4,455		$	4,398		$	4,331		$	4,696		$	4,706		$	16,649		$	16,803		$	17,328		$	17,409
Non-Interest Revenue	582			437			364			432			378			465			353			4,643			3,272			2,619			2,106
Total Revenues, Net of Interest Expense	4,848			4,840			4,819			4,830			4,709			5,161			5,059			21,292			20,075			19,947			19,515
Total Operating Expenses	2,315			2,315			2,401			2,500			2,426			2,595			2,537			10,425			10,067			9,892			9,369
Net Credit Losses	999			877			914			933			954			927			1,105			5,755			4,638			4,206			3,751
Credit Reserve Build / (Release)	(109		)	(60		)	(70		)	79			49			408			117			(2,389		)	(1,038		)	(1,241		)	(339		)
Provision for Unfunded Lending Commitments							7						7						(1		)				5			(10		)	8
Provision for Benefits and Claims	10			11			8			9			8			8			9			68			60			40			39
Provisions for Loan Losses and for Benefits and Claims	900			828			859			1,021			1,018			1,343			1,230			3,434			3,665			2,995			3,459
Income from Continuing Operations before Taxes	1,633			1,697			1,559			1,309			1,265			1,223			1,292			7,433			6,343			7,060			6,687
Income Taxes	577			648			597			476			450			443			482			2,801			2,378			2,568			2,499
Income from Continuing Operations	1,056			1,049			962			833			815			780			810			4,632			3,965			4,492			4,188
Noncontrolling Interests				1			1						(1		)				(1		)	(1		)	2			1			3
Net Income	$	1,056		$	1,048		$	961		$	833		$	816		$	780		$	811		$	4,633		$	3,963		$	4,491		$	4,185
Average Assets (in billions)	$	207		$	208		$	209		$	211		$	218		$	238		$	244		$	202		$	204		$	212		$	208
Return on Average Assets	2.05		%	2.00		%	1.82		%	1.59		%	1.51		%	1.30		%	1.32		%	2.29		%	1.94		%	2.12		%	2.01		%
Efficiency Ratio	48		%	48		%	50		%	52		%	52		%	50		%	50		%	49		%	50		%	50		%	48		%

Net Credit Losses as a % of Average Loans	2.58		%	2.21		%	2.26		%	2.32		%	2.34		%	2.07		%	2.42		%	3.83		%	3.09		%	2.69		%	2.39		%

Revenue by Business
Retail Banking	$	1,340		$	1,305		$	1,296		$	1,290		$	1,313		$	1,356		$	1,263		$	7,021		$	5,666		$	5,195		$	5,312
Citi-Branded Cards	1,927			1,922			1,930			1,860			1,886			2,191			2,213			8,242			8,220			8,290			7,781
Citi Retail Services	1,581			1,613			1,593			1,680			1,510			1,614			1,583			6,029			6,189			6,462			6,422
Total	$	4,848		$	4,840		$	4,819		$	4,830		$	4,709		$	5,161		$	5,059		$	21,292		$	20,075		$	19,947		$	19,515

Net Credit Losses by Business
Retail Banking	$	39		$	33		$	42		$	25		$	45		$	52		$	83		$	246		$	188		$	143		$	150
Citi-Branded Cards	503			443			454			455			467			448			539			3,187			2,555			2,197			1,892
Citi Retail Services	457			401			418			453			442			427			483			2,322			1,895			1,866			1,709
Total	$	999		$	877		$	914		$	933		$	954		$	927		$	1,105		$	5,755		$	4,638		$	4,206		$	3,751

Income from Continuing Operations by Business
Retail Banking	$	183		$	137		$	113		$	89		$	172		$	187		$	85		$	1,203		$	463		$	435		$	616
Citi-Branded Cards	495			517			510			353			320			322			446			1,989			1,945			2,391			2,057
Citi Retail Services	378			395			339			391			323			271			279			1,440			1,557			1,666			1,515
Total	$	1,056		$	1,049		$	962		$	833		$	815		$	780		$	810		$	4,632		$	3,965		$	4,492		$	4,188

Reclassified to conform to the current period's presentation.

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GLOBAL CONSUMER BANKING

NORTH AMERICA

Page 1

(In millions of dollars, except as otherwise noted)

	Full
	Year
	2016

Net Interest Revenue	$	18,131
Non-Interest Revenue	1,628
Total Revenues, Net of Interest Expense	19,759
Total Operating Expenses	10,058
Net Credit Losses	3,919
Credit Reserve Build / (Release)	653
Provision for Unfunded Lending Commitments	6
Provision for Benefits and Claims	34
Provisions for Loan Losses and for Benefits and Claims	4,612
Income from Continuing Operations before Taxes	5,089
Income Taxes	1,851
Income from Continuing Operations	3,238
Noncontrolling Interests	(2		)
Net Income	$	3,240
Average Assets (in billions)	$	228
Return on Average Assets	1.42		%
Efficiency Ratio	51		%

Net Credit Losses as a % of Average Loans	2.29		%

Revenue by Business
Retail Banking	$	5,222
Citi-Branded Cards	8,150
Citi Retail Services	6,387
Total	$	19,759

Net Credit Losses by Business
Retail Banking	$	205
Citi-Branded Cards	1,909
Citi Retail Services	1,805
Total	$	3,919

Income from Continuing Operations by Business
Retail Banking	$	533
Citi-Branded Cards	1,441
Citi Retail Services	1,264
Total	$	3,238

Reclassified to conform to the current period's presentation.

Page 8

GLOBAL CONSUMER BANKING

NORTH AMERICA

Page 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

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

Branches (actual)	1,020			1,015			1,017			999			981			983			983			983			962			912			895			849			788
Accounts (in millions)	12.7			12.7			12.6			12.5			12.4			12.1			12.2			12.2			12.3			12.1			12.1			11.8			11.5
Average Deposits	$	157.2		$	159.6		$	162.5		$	168.1		$	172.2		$	173.8		$	175.2		$	177.4		$	179.3		$	179.9		$	179.3		$	179.4		$	180.4
Investment Sales	$	3.8		$	4.1		$	4.6		$	4.6		$	5.8		$	5.8		$	4.9		$	5.2		$	5.7		$	5.6		$	5.5		$	6.0		$	6.3
Investment AUMs	$	41.6		$	39.4		$	40.9		$	41.2		$	43.1		$	42.6		$	44.1		$	46.2		$	47.1		$	48.9		$	48.9		$	49.4		$	50.6

Average Loans	$	40.5		$	41.1		$	41.3		$	42.2		$	43.3		$	41.1		$	43.0		$	44.0		$	45.0		$	45.7		$	47.3		$	48.6		$	47.8

EOP Loans:
Mortgages	$	32.6		$	32.6		$	33.0		$	33.7		$	33.9		$	32.2		$	33.6		$	34.3		$	35.1		$	36.4		$	37.6		$	36.7		$	37.8
Commercial Banking	6.9			7.2			7.4			7.9			8.2			8.4			8.5			8.7			8.7			8.5			8.6			8.6			8.5
Personal and Other	1.1			1.1			1.1			1.1			1.1			1.2			1.2			1.3			1.4			1.5			1.6			1.8			1.8
Total EOP Loans	$	40.6		$	40.9		$	41.5		$	42.7		$	43.2		$	41.8		$	43.3		$	44.3		$	45.2		$	46.4		$	47.8		$	47.1		$	48.1

Mortgage Originations (1)	$	14.3		$	12.9		$	14.5		$	16.8		$	18.0		$	17.2		$	14.5		$	8.3		$	5.2		$	6.2		$	7.1		$	6.7		$	7.0

Third Party Mortgage Servicing Portfolio (EOP)	$	196.7		$	190.8		$	184.9		$	177.2		$	175.8		$	177.9		$	180.3		$	180.6		$	178.8		$	175.9		$	173.0		$	171.9		$	168.2

Net Servicing & Gain/(Loss) on Sale (in millions)	$	532.6		$	637.0		$	684.2		$	614.5		$	561.6		$	588.5		$	167.0		$	142.9		$	127.7		$	133.9		$	132.4		$	255.6		$	168.7

Saleable Mortgage Rate Locks	$	12.1		$	11.5		$	15.8		$	12.7		$	14.3		$	13.0		$	7.1		$	4.5		$	3.6		$	4.2		$	4.4		$	3.8		$	4.4

Net Interest Revenue on Loans (in millions)	$	190		$	197		$	210		$	239		$	243		$	242		$	232		$	234		$	244		$	261		$	271		$	294		$	262
As a % of Avg. Loans	1.89		%	1.93		%	2.02		%	2.25		%	2.28		%	2.36		%	2.14		%	2.11		%	2.20		%	2.29		%	2.27		%	2.40		%	2.22		%

Net Credit Losses (in millions)	$	62		$	60		$	72		$	52		$	57		$	43		$	39		$	49		$	34		$	38		$	35		$	36		$	36
As a % of Avg. Loans	0.62		%	0.59		%	0.69		%	0.49		%	0.53		%	0.42		%	0.36		%	0.44		%	0.31		%	0.33		%	0.29		%	0.29		%	0.31		%

Loans 90+ Days Past Due (in millions) (2)	$	260		$	294		$	291		$	280		$	282		$	285		$	277		$	257		$	243		$	227		$	229		$	225		$	123
As a % of EOP Loans	0.66		%	0.74		%	0.72		%	0.68		%	0.68		%	0.70		%	0.66		%	0.60		%	0.55		%	0.50		%	0.49		%	0.49		%	0.26		%
Loans 30-89 Days Past Due (in millions) (2)	$	183		$	215		$	230		$	223		$	226		$	217		$	209		$	205		$	177		$	203		$	213		$	212		$	203
As a % of EOP Loans	0.47		%	0.54		%	0.57		%	0.54		%	0.54		%	0.54		%	0.50		%	0.48		%	0.40		%	0.45		%	0.46		%	0.46		%	0.43		%

(1) Originations of residential first mortgages.

(2) 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 $491 million and ($1.1 billion), $456 million and ($1.1 billion), $408 million and ($0.9 billion), $305 million and ($0.7 billion), and $327 million and ($0.7 billion), as of December 31, 2015, March 31, 2016, June 30, 2016, September 30, 2016 and December 31, 2016, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) were $87 million and ($1.1 billion), $86 million and ($1.1 billion), $91 million and ($0.9 billion), $58 million and ($0.7 billion), and $70 million and ($0.7 billion), as of December 31, 2015, March 31, 2016, June 30, 2016, September 30, 2016 and December 31, 2016, respectively.

Reclassified to conform to the current periods presentation.

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Page 2

	2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2015			2015			2015			2016			2016			2016			2016

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

Branches (actual)	779			779			780			729			729			727			723
Accounts (in millions)	11.3			11.2			11.0			10.9			10.8			10.6			10.5
Average Deposits	$	179.9		$	181.4		$	181.2		$	180.6		$	182.1		$	183.9		$	186.0
Investment Sales	$	5.9		$	4.9		$	4.6		$	4.8		$	5.5		$	5.2		$	5.3
Investment AUMs	$	50.6		$	47.9		$	48.9		$	49.4		$	51.4		$	53.1		$	52.8

Average Loans	$	49.3		$	50.3		$	51.8		$	52.9		$	54.4		$	55.0		$	55.0

EOP Loans:
Mortgages	$	38.9		$	40.6		$	41.9		$	42.9		$	43.9		$	44.0		$	44.2
Commercial Banking	8.5			8.4			8.3			8.6			8.8			8.8			9.0
Personal and Other	1.8			2.0			2.0			2.0			2.1			2.0			2.1
Total EOP Loans	$	49.2		$	51.0		$	52.2		$	53.5		$	54.8		$	54.8		$	55.3
Mortgage Originations (1)	$	8.8		$	7.5		$	6.2		$	5.5		$	6.4		$	6.5		$	5.6

Third Party Mortgage Servicing Portfolio (EOP)	$	165.0		$	162.6		$	159.5		$	155.9		$	151.8		$	147.6		$	143.2

Net Servicing & Gain/(Loss) on Sale (in millions)	$	179.4		$	107.2		$	110.6		$	97.6		$	90.9		$	141.9		$	102.8

Saleable Mortgage Rate Locks	$	5.0		$	3.9		$	3.2		$	3.0		$	4.0		$	3.9		$	2.6

Net Interest Revenue on Loans (in millions)	$	266		$	262		$	271		$	276		$	268		$	267		$	270
As a % of Avg. Loans	2.16		%	2.07		%	2.08		%	2.10		%	1.98		%	1.93		%	1.95		%

Net Credit Losses (in millions)	$	39		$	33		$	42		$	25		$	45		$	52		$	83
As a % of Avg. Loans	0.32		%	0.26		%	0.32		%	0.19		%	0.33		%	0.38		%	0.60		%

Loans 90+ Days Past Due (in millions) (2)	$	150		$	138		$	165		$	152		$	180		$	256		$	181
As a % of EOP Loans	0.31		%	0.28		%	0.32		%	0.29		%	0.33		%	0.47		%	0.33		%
Loans 30-89 Days Past Due (in millions) (2)	$	176		$	198		$	221		$	198		$	192		$	198		$	214
As a % of EOP Loans	0.36		%	0.40		%	0.43		%	0.38		%	0.36		%	0.37		%	0.39		%

(1) Originations of residential first mortgages.

Reclassified to conform to the current periods presentation.

Page 9

GLOBAL CONSUMER BANKING

NORTH AMERICA

Page 3

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

Citi-Branded Cards Key Indicators (in millions of dollars, except as otherwise noted) (1) (2)
EOP Open Accounts (in millions)	22.7			22.9			23.1			23.2			23.4			23.6			23.8			23.9			24.0			24.1			23.5			23.6			23.7
Purchase Sales (in billions)	$	38.2		$	40.8		$	40.3		$	41.6		$	38.2		$	41.9		$	41.7		$	43.4		$	39.6		$	43.9		$	43.3		$	45.1		$	40.9

Average Loans (in billions) (1)	$	73.5		$	71.7		$	71.5		$	71.1		$	69.7		$	68.4		$	68.4		$	68.2		$	67.5		$	66.4		$	66.1		$	65.7		$	64.1

EOP Loans (in billions) (1)	$	72.7		$	72.7		$	72.2		$	72.9		$	69.2		$	69.3		$	68.8		$	70.5		$	66.8		$	67.3		$	66.5		$	67.5		$	63.5

Average Yield (3)	10.19		%	9.96		%	9.94		%	10.02		%	10.23		%	10.11		%	10.22		%	10.33		%	10.39		%	10.31		%	10.38		%	10.35		%	10.48		%
Net Interest Revenue (4)	$	1,670		$	1,609		$	1,664		$	1,687		$	1,649		$	1,645		$	1,690		$	1,708		$	1,649		$	1,635		$	1,681		$	1,679		$	1,600
As a % of Avg. Loans (4)	9.14		%	9.03		%	9.26		%	9.44		%	9.59		%	9.65		%	9.80		%	9.94		%	9.91		%	9.88		%	10.09		%	10.14		%	10.12		%
Net Credit Losses	$	902		$	840		$	745		$	700		$	692		$	665		$	610		$	588		$	587		$	570		$	526		$	514		$	492
As a % of Average Loans	4.94		%	4.71		%	4.15		%	3.92		%	4.03		%	3.90		%	3.54		%	3.42		%	3.53		%	3.44		%	3.16		%	3.10		%	3.11		%
Net Credit Margin (5)	$	1,142		$	1,144		$	1,337		$	1,407		$	1,331		$	1,312		$	1,472		$	1,529		$	1,429		$	1,454		$	1,588		$	1,605		$	1,506
As a % of Avg. Loans (5)	6.25		%	6.42		%	7.44		%	7.87		%	7.74		%	7.69		%	8.54		%	8.89		%	8.59		%	8.78		%	9.53		%	9.69		%	9.53		%
Loans 90+ Days Past Due	$	982		$	830		$	760		$	786		$	732		$	663		$	628		$	681		$	648		$	583		$	559		$	593		$	569
As a % of EOP Loans	1.35		%	1.14		%	1.05		%	1.08		%	1.06		%	0.96		%	0.91		%	0.97		%	0.97		%	0.87		%	0.84		%	0.88		%	0.90		%
Loans 30-89 Days Past Due	$	887		$	744		$	744		$	771		$	679		$	588		$	650		$	661		$	599		$	540		$	566		$	568		$	497
As a % of EOP Loans	1.22		%	1.02		%	1.03		%	1.06		%	0.98		%	0.85		%	0.94		%	0.94		%	0.90		%	0.80		%	0.85		%	0.84		%	0.78		%

Citi Retail Services Key Indicators (in millions of dollars, except as otherwise noted) (1)
EOP Open Accounts	82.7			81.6			80.9			80.6			79.4			77.7			91.2			91.6			89.7			90.3			88.6			89.5			88.7
Purchase Sales (in billions)	$	15.5		$	18.1		$	17.5		$	20.4		$	15.3		$	18.3		$	18.1		$	23.3		$	16.7		$	20.4		$	19.7		$	23.5		$	16.5

Average Loans (in billions) (1)	$	37.6		$	36.5		$	36.5		$	37.0		$	36.7		$	35.8		$	37.8		$	43.6		$	43.6		$	42.4		$	42.9		$	43.9		$	43.9

EOP Loans (in billions) (1)	$	36.7		$	36.6		$	36.6		$	38.6		$	35.4		$	36.0		$	43.0		$	46.3		$	42.3		$	43.1		$	43.0		$	46.5		$	42.4

Average Yield (3)	18.19		%	18.14		%	18.26		%	18.04		%	18.28		%	17.89		%	17.33		%	16.34		%	16.63		%	16.89		%	16.89		%	16.80		%	16.96		%
Net Interest Revenue (4)	$	1,566		$	1,543		$	1,634		$	1,660		$	1,652		$	1,587		$	1,682		$	1,860		$	1,819		$	1,810		$	1,884		$	1,923		$	1,883
As a % of Avg. Loans (4)	16.75		%	17.00		%	17.81		%	17.85		%	18.26		%	17.78		%	17.65		%	16.93		%	16.92		%	17.12		%	17.42		%	17.38		%	17.40		%
Net Credit Losses	$	665		$	609		$	534		$	514		$	508		$	481		$	435		$	471		$	481		$	465		$	457		$	463		$	433
As a % of Average Loans	7.11		%	6.71		%	5.82		%	5.53		%	5.61		%	5.39		%	4.57		%	4.29		%	4.47		%	4.40		%	4.23		%	4.18		%	4.00		%
Net Credit Margin (5)	$	816		$	842		$	997		$	1,009		$	994		$	993		$	1,082		$	1,185		$	1,141		$	1,111		$	1,181		$	1,139		$	1,196
As a % of Avg. Loans (5)	8.73		%	9.28		%	10.87		%	10.85		%	10.98		%	11.13		%	11.36		%	10.78		%	10.61		%	10.51		%	10.92		%	10.29		%	11.05		%
Loans 90+ Days Past Due	$	845		$	721		$	716		$	721		$	651		$	556		$	650		$	771		$	689		$	606		$	630		$	678		$	629
As a % of EOP Loans	2.30		%	1.97		%	1.96		%	1.87		%	1.84		%	1.54		%	1.51		%	1.67		%	1.63		%	1.41		%	1.47		%	1.46		%	1.48		%
Loans 30-89 Days Past Due	$	995		$	852		$	823		$	789		$	685		$	615		$	798		$	830		$	725		$	683		$	729		$	748		$	673
As a % of EOP Loans	2.71		%	2.33		%	2.25		%	2.04		%	1.94		%	1.71		%	1.86		%	1.79		%	1.71		%	1.58		%	1.70		%	1.61		%	1.59		%

(1)	Average loans, EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.
(2)	See footnote 3 on page 8.
(3)	Average yield is calculated as 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 represents total revenues, net of interest expense, less net credit losses and policy benefits and claims.

Reclassified to conform to the current periods presentation.

Page 10

GLOBAL CONSUMER BANKING

NORTH AMERICA

Page 3

	2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2015			2015			2015			2016			2016			2016			2016
Citi-Branded Cards Key Indicators (in millions of dollars, except as otherwise noted) (1) (2)

EOP Open Accounts (in millions)	23.2			23.3			23.5			23.8			31.8			32.5			32.9
Purchase Sales (in billions)	$	46.1		$	46.6		$	49.0		$	45.9		$	53.1		$	73.1		$	78.5

Average Loans (in billions) (1)	$	63.2		$	63.9		$	64.6		$	64.7		$	66.7		$	79.2		$	82.1

EOP Loans (in billions) (1)	$	64.5		$	64.8		$	67.2		$	64.9		$	77.5		$	81.3		$	86.0

Average Yield (3)	10.39		%	10.28		%	10.31		%	10.38		%	10.04		%	9.90		%	9.60		%
Net Interest Revenue (4)	$	1,576		$	1,610		$	1,626		$	1,592		$	1,591		$	1,863		$	1,867
As a % of Avg. Loans (4)	10.00		%	10.00		%	9.99		%	9.90		%	9.59		%	9.36		%	9.05		%
Net Credit Losses	$	503		$	443		$	454		$	455		$	467		$	448		$	539
As a % of Average Loans	3.19		%	2.75		%	2.79		%	2.83		%	2.82		%	2.25		%	2.61		%
Net Credit Margin (5)	$	1,420		$	1,475		$	1,474		$	1,401		$	1,415		$	1,740		$	1,670
As a % of Avg. Loans (5)	9.01		%	9.16		%	9.05		%	8.71		%	8.53		%	8.74		%	8.09		%
Loans 90+ Days Past Due	$	495		$	491		$	538		$	530		$	510		$	607		$	748
As a % of EOP Loans	0.77		%	0.76		%	0.80		%	0.82		%	0.66		%	0.75		%	0.87		%
Loans 30-89 Days Past Due	$	462		$	504		$	523		$	492		$	550		$	710		$	688
As a % of EOP Loans	0.72		%	0.78		%	0.78		%	0.76		%	0.71		%	0.87		%	0.80		%

Citi Retail Services Key Indicators (in millions of dollars, except as otherwise noted) (1)
EOP Open Accounts	89.5			89.5			89.9			88.1			88.9			88.3			87.7
Purchase Sales (in billions)	$	20.2		$	19.8		$	23.5		$	16.9		$	20.1		$	19.7		$	23.2

Average Loans (in billions) (1)	$	42.6		$	43.1		$	44.1		$	44.0		$	42.7		$	43.6		$	44.9

EOP Loans (in billions) (1)	$	43.2		$	43.1		$	46.1		$	42.5		$	43.3		$	43.9		$	47.3

Average Yield (3)	17.00		%	16.94		%	16.49		%	16.92		%	17.01		%	17.06		%	16.92		%
Net Interest Revenue (4)	$	1,842		$	1,922		$	1,937		$	1,891		$	1,834		$	1,923		$	1,947
As a % of Avg. Loans (4)	17.34		%	17.69		%	17.43		%	17.29		%	17.27		%	17.55		%	17.25		%
Net Credit Losses	$	457		$	401		$	418		$	453		$	442		$	427		$	483
As a % of Average Loans	4.30		%	3.69		%	3.76		%	4.14		%	4.16		%	3.90		%	4.28		%
Net Credit Margin (5)	$	1,119		$	1,206		$	1,168		$	1,222		$	1,063		$	1,182		$	1,096
As a % of Avg. Loans (5)	10.54		%	11.10		%	10.51		%	11.17		%	10.01		%	10.79		%	9.71		%
Loans 90+ Days Past Due	$	567		$	621		$	705		$	665		$	619		$	664		$	761
As a % of EOP Loans	1.31		%	1.44		%	1.53		%	1.56		%	1.43		%	1.51		%	1.61		%
Loans 30-89 Days Past Due	$	652		$	758		$	773		$	688		$	669		$	750		$	777
As a % of EOP Loans	1.51		%	1.76		%	1.68		%	1.62		%	1.55		%	1.71		%	1.64		%

(1)	Average loans, EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.
(2)	See footnote 3 on page 8.
(3)	Average yield is calculated as 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 represents total revenues, net of interest expense, less net credit losses and policy benefits and claims.

Reclassified to conform to the current periods presentation.

Page 10

GLOBAL CONSUMER BANKING

LATIN AMERICA - PAGE 1

(In millions of dollars, except as otherwise noted)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

Net Interest Revenue	$	981		$	983		$	1,021		$	1,068		$	1,056		$	1,090		$	1,110		$	1,133		$	1,076		$	1,123		$	1,174		$	1,128		$	981
Non-Interest Revenue	470			412			459			495			533			527			476			556			488			503			513			504			439
Total Revenues, Net of Interest Expense (1)	1,451			1,395			1,480			1,563			1,589			1,617			1,586			1,689			1,564			1,626			1,687			1,632			1,420
Total Operating Expenses	741			742			801			880			817			870			850			872			859			912			899			901			795
Net Credit Losses	212			195			227			276			289			299			295			319			346			366			380			423			356
Credit Reserve Build / (Release)	59			74			27			11			19			86			161			54			45			106			9			(32		)	(8		)
Provision for Unfunded Lending Commitments																			(1		)							1			(1		)				(3		)
Provision for Benefits and Claims	34			21			36			35			39			22			21			24			34			15			26			29			18
Provisions for Credit Losses and for Benefits and Claims (LLR & PBC)	305			290			290			322			347			407			476			397			425			488			414			420			363
Income from Continuing Operations before Taxes	405			363			389			361			425			340			260			420			280			226			374			311			262
Income Taxes	100			81			93			(24		)	106			70			49			105			59			20			90			68			55
Income from Continuing Operations	305			282			296			385			319			270			211			315			221			206			284			243			207
Noncontrolling Interests				(3		)	1						1						1			1			2			2			2
Net Income	$	305		$	285		$	295		$	385		$	318		$	270		$	210		$	314		$	219		$	204		$	282		$	243		$	207
Average Assets (in billions of dollars)	$	61		$	59		$	61		$	63		$	67		$	64		$	63		$	64		$	64		$	63		$	62		$	59		$	56
Return on Average Assets	2.01		%	1.94		%	1.92		%	2.43		%	1.92		%	1.69		%	1.32		%	1.95		%	1.39		%	1.30		%	1.80		%	1.63		%	1.50		%
Efficiency Ratio	51		%	53		%	54		%	56		%	51		%	54		%	54		%	52		%	55		%	56		%	53		%	55		%	56		%

Net Credit Losses as a % of Average Loans	3.37		%	3.18		%	3.42		%	3.96		%	3.99		%	4.00		%	3.95		%	4.15		%	4.66		%	4.77		%	4.98		%	5.75		%	5.31		%

Revenue by Business
Retail Banking	$	1,020		$	975		$	1,038		$	1,070		$	1,105		$	1,106		$	1,068		$	1,136		$	1,056		$	1,086		$	1,116		$	1,070		$	960
Citi-Branded Cards	431			420			442			493			484			511			518			553			508			540			571			562			460
Total	$	1,451		$	1,395		$	1,480		$	1,563		$	1,589		$	1,617		$	1,586		$	1,689		$	1,564		$	1,626		$	1,687		$	1,632		$	1,420

Net Credit Losses by Business
Retail Banking	$	94		$	82		$	100		$	139		$	137		$	144		$	140		$	151		$	155		$	160		$	164		$	220		$	150
Citi-Branded Cards	118			113			127			137			152			155			155			168			191			206			216			203			206
Total	$	212		$	195		$	227		$	276		$	289		$	299		$	295		$	319		$	346		$	366		$	380		$	423		$	356

Income from Continuing Operations by Business
Retail Banking	$	207		$	195		$	210		$	256		$	225		$	165		$	112		$	204		$	147		$	160		$	172		$	129		$	135
Citi-Branded Cards	98			87			86			129			94			105			99			111			74			46			112			114			72
Total	$	305		$	282		$	296		$	385		$	319		$	270		$	211		$	315		$	221		$	206		$	284		$	243		$	207

FX Translation Impact:
Total Revenue - as Reported (1)	$	1,451		$	1,395		$	1,480		$	1,563		$	1,589		$	1,617		$	1,586		$	1,689		$	1,564		$	1,626		$	1,687		$	1,632		$	1,420
Impact of FX Translation (2)	(492		)	(442		)	(495		)	(536		)	(575		)	(575		)	(537		)	(570		)	(520		)	(560		)	(550		)	(478		)	(342		)
Total Revenues - Ex-FX (1) (2)	$	959		$	953		$	985		$	1,027		$	1,014		$	1,042		$	1,049		$	1,119		$	1,044		$	1,066		$	1,137		$	1,154		$	1,078

Total Operating Expenses - as Reported	$	741		$	742		$	801		$	880		$	817		$	870		$	850		$	872		$	859		$	912		$	899		$	901		$	795
Impact of FX Translation (2)	(230		)	(210		)	(241		)	(269		)	(262		)	(285		)	(226		)	(258		)	(258		)	(279		)	(268		)	(238		)	(143		)
Total Operating Expenses - Ex-FX (2)	$	511		$	532		$	560		$	611		$	555		$	585		$	624		$	614		$	601		$	633		$	631		$	663		$	652

Provisions for LLR & PBC - as Reported	$	305		$	290		$	290		$	322		$	347		$	407		$	476		$	397		$	425		$	488		$	414		$	420		$	363
Impact of FX Translation (2)	(108		)	(93		)	(99		)	(113		)	(127		)	(149		)	(164		)	(138		)	(144		)	(171		)	(140		)	(125		)	(88		)
Provisions for LLR & PBC - Ex-FX (2)	$	197		$	197		$	191		$	209		$	220		$	258		$	312		$	259		$	281		$	317		$	274		$	295		$	275

Net Income - as Reported	$	305		$	285		$	295		$	385		$	318		$	270		$	210		$	314		$	219		$	204		$	282		$	243		$	207
Impact of FX Translation (2)	(110		)	(106		)	(112		)	(151		)	(134		)	(106		)	(107		)	(122		)	(87		)	(88		)	(102		)	(85		)	(87		)
Net Income - Ex-FX (2)	$	195		$	179		$	183		$	234		$	184		$	164		$	103		$	192		$	132		$	116		$	180		$	158		$	120

(1)		Revenues in the full year 2015 include an approximate $180 million ($160 million ex-FX) gain related to the sale of the Mexico merchant acquiring business in the third quarter of 2015.
(2)		Reflects the impact of foreign currency (FX) translation into U.S. Dollars at the fourth quarter of 2016 average exchange rates for all periods presented. Citigroups results of operations excluding the impact of FX translation are non-GAAP financial measures.

Reclassified to conform to the current periods presentation.

Page 11

GLOBAL CONSUMER BANKING

LATIN AMERICA - PAGE 1

(In millions of dollars, except as otherwise noted)

																						Full			Full			Full			Full
	2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2015			2015			2015			2016			2016			2016			2016			2012			2013			2014			2015

Net Interest Revenue	$	982		$	950		$	936		$	853		$	861		$	877		$	840		$	4,053		$	4,389		$	4,501		$	3,849
Non-Interest Revenue	438			583			413			376			375			368			372			1,836			2,092			2,008			1,873
Total Revenues, Net of Interest Expense (1)	1,420			1,533			1,349			1,229			1,236			1,245			1,212			5,889			6,481			6,509			5,722
Total Operating Expenses	843			792			821			718			725			707			688			3,164			3,409			3,571			3,251
Net Credit Losses	316			301			307			278			260			254			248			910			1,202			1,515			1,280
Credit Reserve Build / (Release)	19			19			3			17			(2		)	32			36			171			320			128			33
Provision for Unfunded Lending Commitments				1						1			1						(1		)				(1		)				(2		)
Provision for Benefits and Claims	12			17			22			19			12			18			23			126			106			104			69
Provisions for Credit Losses and for Benefits and Claims (LLR & PBC)	347			338			332			315			271			304			306			1,207			1,627			1,747			1,380
Income from Continuing Operations before Taxes	230			403			196			196			240			234			218			1,518			1,445			1,191			1,091
Income Taxes	49			106			55			50			67			74			64			250			330			237			265
Income from Continuing Operations	181			297			141			146			173			160			154			1,268			1,115			954			826
Noncontrolling Interests	2			1						1			1			2			1			(2		)	3			6			3
Net Income	$	179		$	296		$	141		$	145		$	172		$	158		$	153		$	1,270		$	1,112		$	948		$	823
Average Assets (in billions of dollars)	$	54		$	50		$	52		$	50		$	50		$	50		$	46		$	61		$	65		$	62		$	53
Return on Average Assets	1.33		%	2.35		%	1.08		%	1.17		%	1.38		%	1.26		%	1.32		%	2.08		%	1.71		%	1.53		%	1.55		%
Efficiency Ratio	59		%	52		%	61		%	58		%	59		%	57		%	57		%	54		%	53		%	55		%	57		%

Net Credit Losses as a % of Average Loans	4.71		%	4.70		%	4.78		%	4.58		%	4.30		%	4.18		%	4.20		%	3.50		%	4.02		%	5.02		%	4.87		%

Revenue by Business
Retail Banking	$	963		$	1,088		$	922		$	856		$	853		$	881		$	857		$	4,103		$	4,415		$	4,328		$	3,933
Citi-Branded Cards	457			445			427			373			383			364			355			1,786			2,066			2,181			1,789
Total	$	1,420		$	1,533		$	1,349		$	1,229		$	1,236		$	1,245		$	1,212		$	5,889		$	6,481		$	6,509		$	5,722

Net Credit Losses by Business
Retail Banking	$	142		$	138		$	159		$	134		$	137		$	132		$	138		$	415		$	572		$	699		$	589
Citi-Branded Cards	174			163			148			144			123			122			110			495			630			816			691
Total	$	316		$	301		$	307		$	278		$	260		$	254		$	248		$	910		$	1,202		$	1,515		$	1,280

Income from Continuing Operations by Business
Retail Banking	$	112		$	219		$	54		$	90		$	96		$	84		$	85		$	868		$	706		$	608		$	520
Citi-Branded Cards	69			78			87			56			77			76			69			400			409			346			306
Total	$	181		$	297		$	141		$	146		$	173		$	160		$	154		$	1,268		$	1,115		$	954		$	826

FX Translation Impact:
Total Revenue - as Reported (1)	$	1,420		$	1,533		$	1,349		$	1,229		$	1,236		$	1,245		$	1,212		$	5,889		$	6,481		$	6,509		$	5,722
Impact of FX Translation (2)	(372		)	(256		)	(225		)	(130		)	(119		)	(58		)				(1,702		)	(1,973		)	(1,814		)	(867		)
Total Revenues - Ex-FX (1) (2)	$	1,048		$	1,277		$	1,124		$	1,099		$	1,117		$	1,187		$	1,212		$	4,187		$	4,508		$	4,695		$	4,855

Total Operating Expenses - as Reported	$	843		$	792		$	821		$	718		$	725		$	707		$	688		$	3,164		$	3,409		$	3,571		$	3,251
Impact of FX Translation (2)	(142		)	(105		)	(99		)	(60		)	(56		)	(27		)				(822		)	(900		)	(898		)	(357		)
Total Operating Expenses - Ex-FX (2)	$	701		$	687		$	722		$	658		$	669		$	680		$	688		$	2,342		$	2,509		$	2,673		$	2,894

Provisions for LLR & PBC - as Reported	$	347		$	338		$	332		$	315		$	271		$	304		$	306		$	1,207		$	1,627		$	1,747		$	1,380
Impact of FX Translation (2)	(78		)	(58		)	(53		)	(34		)	(27		)	(15		)				(357		)	(507		)	(497		)	(201		)
Provisions for LLR & PBC - Ex-FX (2)	$	269		$	280		$	279		$	281		$	244		$	289		$	306		$	850		$	1,120		$	1,250		$	1,179

Net Income - as Reported	$	179		$	296		$	141		$	145		$	172		$	158		$	153		$	1,270		$	1,112		$	948		$	823
Impact of FX Translation (2)	(111		)	(70		)	(60		)	(29		)	(28		)	(12		)				(414		)	(409		)	(312		)	(239		)
Net Income - Ex-FX (2)	$	68		$	226		$	81		$	116		$	144		$	146		$	153		$	856		$	703		$	636		$	584

(1)		Revenues in the full year 2015 include an approximate $180 million ($160 million ex-FX) gain related to the sale of the Mexico merchant acquiring business in the third quarter of 2015.
(2)		Reflects the impact of foreign currency (FX) translation into U.S. Dollars at the fourth quarter of 2016 average exchange rates for all periods presented. Citigroups results of operations excluding the impact of FX translation are non-GAAP financial measures.

Reclassified to conform to the current periods presentation.

Page 11

GLOBAL CONSUMER BANKING

LATIN AMERICA - PAGE 1

(In millions of dollars, except as otherwise noted)

	Full
	Year
	2016

Net Interest Revenue	$	3,431
Non-Interest Revenue	1,491
Total Revenues, Net of Interest Expense (1)	4,922
Total Operating Expenses	2,838
Net Credit Losses	1,040
Credit Reserve Build / (Release)	83
Provision for Unfunded Lending Commitments	1
Provision for Benefits and Claims	72
Provisions for Credit Losses and for Benefits and Claims (LLR & PBC)	1,196
Income from Continuing Operations before Taxes	888
Income Taxes	255
Income from Continuing Operations	633
Noncontrolling Interests	5
Net Income	$	628
Average Assets (in billions of dollars)	$	49
Return on Average Assets	1.28		%
Efficiency Ratio	58		%

Net Credit Losses as a % of Average Loans	4.32		%

Revenue by Business
Retail Banking	$	3,447
Citi-Branded Cards	1,475
Total	$	4,922

Net Credit Losses by Business
Retail Banking	$	541
Citi-Branded Cards	499
Total	$	1,040

Income from Continuing Operations by Business
Retail Banking	$	355
Citi-Branded Cards	278
Total	$	633

FX Translation Impact:
Total Revenue - as Reported (1)	$	4,922
Impact of FX Translation (2)
Total Revenues - Ex-FX (1) (2)	$	4,922

Total Operating Expenses - as Reported	$	2,838
Impact of FX Translation (2)
Total Operating Expenses - Ex-FX (2)	$	2,838

Provisions for LLR & PBC - as Reported	$	1,196
Impact of FX Translation (2)
Provisions for LLR & PBC - Ex-FX (2)	$	1,196

Net Income - as Reported	$	628
Impact of FX Translation (2)
Net Income - Ex-FX (2)	$	628

(1)		Revenues in the full year 2015 include an approximate $180 million ($160 million ex-FX) gain related to the sale of the Mexico merchant acquiring business in the third quarter of 2015.
(2)		Reflects the impact of foreign currency (FX) translation into U.S. Dollars at the fourth quarter of 2016 average exchange rates for all periods presented. Citigroups results of operations excluding the impact of FX translation are non-GAAP financial measures.

Reclassified to conform to the current periods presentation.

Page 11

GLOBAL CONSUMER BANKING
LATIN AMERICA - PAGE 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

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

Branches (actual)	1,715			1,717			1,717			1,714			1,687			1,686			1,678			1,686			1,618			1,626			1,634			1,542			1,498
Accounts (in millions)	25.2			26.2			26.4			26.2			26.3			26.7			26.5			26.8			26.4			26.9			26.4			26.2			26.2
Average Deposits	$	28.6		$	26.9		$	28.0		$	28.9		$	29.4		$	28.7		$	28.5		$	30.4		$	29.1		$	30.0		$	30.0		$	29.4		$	28.0
Investment Sales	$	7.0		$	6.3		$	7.4		$	7.0		$	7.8		$	8.5		$	8.1		$	7.6		$	8.8		$	9.8		$	11.7		$	8.7		$	8.2
Investment AUMs	$	31.7		$	32.5		$	37.9		$	37.4		$	41.8		$	38.5		$	38.5		$	41.2		$	41.9		$	44.1		$	93.6		$	39.7		$	38.3
Average Loans	$	19.4		$	19.0		$	20.3		$	21.3		$	22.6		$	23.0		$	22.6		$	23.1		$	22.9		$	23.4		$	23.0		$	22.1		$	20.8
EOP Loans:
Mortgages	$	4.8		$	4.7		$	5.0		$	5.1		$	5.6		$	5.5		$	5.2		$	5.5		$	5.6		$	5.6		$	5.3		$	4.7		$	4.7
Commercial Banking	8.5			8.4			8.9			9.5			10.1			9.8			9.4			10.3			9.6			9.9			9.5			8.7			8.5
Personal and Other	6.5			6.5			7.1			7.1			7.7			7.5			7.6			7.7			7.9			8.0			8.0			7.6			7.6
Total EOP Loans	$	19.8		$	19.6		$	21.0		$	21.7		$	23.4		$	22.8		$	22.2		$	23.5		$	23.1		$	23.5		$	22.8		$	21.0		$	20.8

Net Interest Revenue (in millions) (1)	$	683		$	674		$	701		$	729		$	729		$	720		$	723		$	729		$	697		$	714		$	735		$	711		$	641
As a % of Average Loans (1)	14.16		%	14.27		%	13.74		%	13.62		%	13.08		%	12.56		%	12.69		%	12.52		%	12.34		%	12.24		%	12.68		%	12.76		%	12.50		%
Net Credit Losses (in millions)	$	94		$	82		$	100		$	139		$	137		$	144		$	140		$	151		$	155		$	160		$	164		$	220		$	150
As a % of Average Loans	1.95		%	1.74		%	1.96		%	2.60		%	2.46		%	2.51		%	2.46		%	2.59		%	2.75		%	2.74		%	2.83		%	3.95		%	2.92		%
Loans 90+ Days Past Due (in millions)	$	209		$	211		$	236		$	237		$	235		$	226		$	262		$	394		$	452		$	467		$	427		$	325		$	238
As a % of EOP Loans	1.06		%	1.08		%	1.12		%	1.09		%	1.00		%	0.99		%	1.18		%	1.68		%	1.96		%	1.99		%	1.87		%	1.55		%	1.14		%
Loans 30-89 Days Past Due (in millions)	$	227		$	215		$	293		$	236		$	303		$	250		$	338		$	294		$	258		$	266		$	239		$	235		$	229
As a % of EOP Loans	1.15		%	1.10		%	1.40		%	1.09		%	1.29		%	1.10		%	1.52		%	1.25		%	1.12		%	1.13		%	1.05		%	1.12		%	1.10		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)

EOP Open Accounts (in millions)	5.7			5.7			5.9			6.0			6.1			6.2			6.3			6.2			6.2			6.1			6.1			5.9			5.9
Purchase Sales (in billions)	$	3.9		$	3.9		$	4.3		$	5.0		$	4.5		$	4.9		$	5.0		$	5.5		$	4.5		$	4.9		$	4.9		$	5.0		$	4.1
Average Loans (in billions) (2)	$	5.9		$	5.7		$	6.1		$	6.4		$	6.8		$	7.0		$	7.0		$	7.4		$	7.2		$	7.4		$	7.3		$	7.1		$	6.4
EOP Loans (in billions) (2)	$	6.0		$	5.9		$	6.3		$	6.6		$	7.1		$	7.0		$	7.1		$	7.4		$	7.2		$	7.4		$	7.3		$	6.7		$	6.1
Average Yield (3)	22.58		%	22.72		%	22.33		%	21.68		%	20.42		%	20.80		%	21.49		%	20.94		%	20.69		%	21.17		%	21.83		%	21.44		%	20.11		%

Net Interest Revenue (in millions) (4)	$	298		$	309		$	320		$	339		$	327		$	370		$	387		$	404		$	379		$	409		$	439		$	417		$	340
As a % of Average Loans (4)	20.31		%	21.80		%	20.87		%	21.07		%	19.50		%	21.20		%	21.93		%	21.66		%	21.35		%	22.17		%	23.86		%	23.30		%	21.55		%
Net Credit Losses (in millions)	$	118		$	113		$	127		$	137		$	152		$	155		$	155		$	168		$	191		$	206		$	216		$	203		$	206
As a % of Average Loans	8.04		%	7.97		%	8.28		%	8.52		%	9.07		%	8.88		%	8.78		%	9.01		%	10.76		%	11.17		%	11.74		%	11.34		%	13.05		%
Net Credit Margin (in millions) (5)	$	313		$	307		$	315		$	356		$	332		$	356		$	363		$	385		$	317		$	334		$	355		$	359		$	254
As a % of Average Loans (5)	21.34		%	21.66		%	20.54		%	22.13		%	19.80		%	20.40		%	20.57		%	20.64		%	17.86		%	18.10		%	19.29		%	20.06		%	16.10		%
Loans 90+ Days Past Due (in millions)	$	148		$	154		$	168		$	179		$	191		$	194		$	200		$	223		$	232		$	245		$	244		$	242		$	203
As a % of EOP Loans	2.47		%	2.61		%	2.67		%	2.71		%	2.69		%	2.77		%	2.82		%	3.01		%	3.22		%	3.31		%	3.34		%	3.61		%	3.33		%
Loans 30-89 Days Past Due (in millions)	$	135		$	151		$	165		$	179		$	188		$	194		$	211		$	237		$	252		$	270		$	276		$	220		$	204
As a % of EOP Loans	2.25		%	2.56		%	2.62		%	2.71		%	2.65		%	2.77		%	2.97		%	3.20		%	3.50		%	3.65		%	3.78		%	3.28		%	3.34		%

(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.

Page 12

GLOBAL CONSUMER BANKING
LATIN AMERICA - PAGE 2

	2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2015			2015			2015			2016			2016			2016			2016
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)

Branches (actual)	1,497			1,495			1,492			1,493			1,491			1,494			1,494
Accounts (in millions)	26.5			27.3			27.7			27.9			28.4			28.8			27.4
Average Deposits	$	27.3		$	25.7		$	25.9		$	26.1		$	25.9		$	25.7		$	25.2
Investment Sales	$	6.6		$	6.6		$	6.7		$	5.5		$	5.8		$	5.7		$	6.0
Investment AUMs	$	37.8		$	35.9		$	34.4		$	34.3		$	32.4		$	31.0		$	28.9
Average Loans	$	20.8		$	19.8		$	20.0		$	19.2		$	19.2		$	19.1		$	18.5
EOP Loans:
Mortgages	$	4.5		$	4.1		$	3.9		$	4.6		$	4.2		$	4.1		$	3.9
Commercial Banking	8.8			8.3			8.8			8.8			8.6			8.6			8.5
Personal and Other	7.5			7.1			7.0			6.4			6.3			6.0			5.6
Total EOP Loans	$	20.8		$	19.5		$	19.7		$	19.8		$	19.1		$	18.7		$	18.0

Net Interest Revenue (in millions) (1)	$	639		$	620		$	626		$	587		$	585		$	612		$	593
As a % of Average Loans (1)	12.32		%	12.42		%	12.42		%	12.30		%	12.25		%	12.75		%	12.75		%
Net Credit Losses (in millions)	$	142		$	138		$	159		$	134		$	137		$	132		$	138
As a % of Average Loans	2.74		%	2.77		%	3.15		%	2.81		%	2.87		%	2.75		%	2.97		%
Loans 90+ Days Past Due (in millions)	$	232		$	212		$	185		$	172		$	157		$	160		$	136
As a % of EOP Loans	1.12		%	1.09		%	0.94		%	0.87		%	0.82		%	0.86		%	0.76		%
Loans 30-89 Days Past Due (in millions)	$	217		$	239		$	184		$	256		$	197		$	196		$	185
As a % of EOP Loans	1.04		%	1.23		%	0.93		%	1.29		%	1.03		%	1.05		%	1.03		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)

EOP Open Accounts (in millions)	5.9			5.7			5.6			5.6			5.7			5.8			5.8
Purchase Sales (in billions)	$	4.2		$	4.0		$	4.4		$	3.7		$	3.8		$	3.8		$	4.0
Average Loans (in billions) (2)	$	6.1		$	5.6		$	5.5		$	5.2		$	5.1		$	5.1		$	5.0
EOP Loans (in billions) (2)	$	5.9		$	5.4		$	5.4		$	5.3		$	5.0		$	4.9		$	4.8
Average Yield (3)	20.63		%	21.19		%	20.73		%	19.77		%	20.24		%	20.32		%	20.13		%

Net Interest Revenue (in millions) (4)	$	343		$	330		$	310		$	266		$	276		$	265		$	247
As a % of Average Loans (4)	22.55		%	23.38		%	22.36		%	20.57		%	21.77		%	20.67		%	19.65		%
Net Credit Losses (in millions)	$	174		$	163		$	148		$	144		$	123		$	122		$	110
As a % of Average Loans	11.44		%	11.55		%	10.68		%	11.14		%	9.70		%	9.52		%	8.75		%
Net Credit Margin (in millions) (5)	$	283		$	282		$	279		$	229		$	260		$	242		$	245
As a % of Average Loans (5)	18.61		%	19.98		%	20.13		%	17.71		%	20.50		%	18.88		%	19.49		%
Loans 90+ Days Past Due (in millions)	$	200		$	169		$	173		$	149		$	145		$	131		$	130
As a % of EOP Loans	3.39		%	3.13		%	3.20		%	2.81		%	2.90		%	2.67		%	2.71		%
Loans 30-89 Days Past Due (in millions)	$	183		$	181		$	157		$	152		$	137		$	131		$	125
As a % of EOP Loans	3.10		%	3.35		%	2.91		%	2.87		%	2.74		%	2.67		%	2.60		%

(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.

Page 12

GLOBAL CONSUMER BANKING

ASIA (1) - PAGE 1

(In millions of dollars, except as otherwise noted)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

Net Interest Revenue	$	1,383		$	1,343		$	1,333		$	1,346		$	1,307		$	1,273		$	1,240		$	1,271		$	1,230		$	1,271		$	1,264		$	1,204		$	1,134
Non-Interest Revenue	632			620			673			680			701			743			673			631			716			727			744			635			676
Total Revenues, Net of Interest Expense	2,015			1,963			2,006			2,026			2,008			2,016			1,913			1,902			1,946			1,998			2,008			1,839			1,810
Total Operating Expenses	1,275			1,252			1,276			1,399			1,262			1,226			1,203			1,249			1,211			1,499			1,276			1,215			1,167
Net Credit Losses	196			178			208			225			203			172			191			196			196			212			198			189			173
Credit Reserve Build / (Release)	(24		)	(31		)	(22		)	26						21			(20		)	21			6			(12		)	(20		)	16			(42		)
Provision for Unfunded Lending Commitments													14			10			12			(5		)	(4		)	(6		)	(1		)	(5		)	2
Provision for Benefits and Claims
Provisions for Credit Losses and for Benefits and Claims (LLR & PBC)	172			147			186			251			217			203			183			212			198			194			177			200			133
Income from Continuing Operations before Taxes	568			564			544			376			529			587			527			441			537			305			555			424			510
Income Taxes	123			145			126			56			162			197			180			143			178			95			185			142			171
Income from Continuing Operations	445			419			418			320			367			390			347			298			359			210			370			282			339
Noncontrolling Interests	2			3			3			2			3			5			3						5			5			4			3			(5		)
Net Income	$	443		$	416		$	415		$	318		$	364		$	385		$	344		$	298		$	354		$	205		$	366		$	279		$	344
Average Assets (in billions)	$	116		$	112		$	115		$	116		$	117		$	116		$	115		$	117		$	117		$	120		$	120		$	118		$	115
Return on Average Assets	1.54		%	1.49		%	1.44		%	1.09		%	1.26		%	1.33		%	1.19		%	1.01		%	1.23		%	0.69		%	1.21		%	0.94		%	1.21		%
Efficiency Ratio	63		%	64		%	64		%	69		%	63		%	61		%	63		%	66		%	62		%	75		%	64		%	66		%	64		%

Net Credit Losses as a % of Average Loans	0.89		%	0.82		%	0.94		%	0.99		%	0.91		%	0.77		%	0.86		%	0.85		%	0.87		%	0.90		%	0.83		%	0.81		%	0.78		%

Revenue by Business
Retail Banking	$	1,234		$	1,171		$	1,212		$	1,201		$	1,217		$	1,211		$	1,136		$	1,114		$	1,200		$	1,214		$	1,227		$	1,127		$	1,152
Citi-Branded Cards	781			792			794			825			791			805			777			788			746			784			781			712			658
Total	$	2,015		$	1,963		$	2,006		$	2,026		$	2,008		$	2,016		$	1,913		$	1,902		$	1,946		$	1,998		$	2,008		$	1,839		$	1,810

Net Credit Losses by Business
Retail Banking	$	62		$	55		$	68		$	85		$	57		$	55		$	70		$	79		$	82		$	83		$	77		$	76		$	70
Citi-Branded Cards	134			123			140			140			146			117			121			117			114			129			121			113			103
Total	$	196		$	178		$	208		$	225		$	203		$	172		$	191		$	196		$	196		$	212		$	198		$	189		$	173

Income from Continuing Operations by Business
Retail Banking	$	276		$	230		$	238		$	148		$	218		$	198		$	167		$	130		$	198		$	57		$	227		$	181		$	221
Citi-Branded Cards	169			189			180			172			149			192			180			168			161			153			143			101			118
Total	$	445		$	419		$	418		$	320		$	367		$	390		$	347		$	298		$	359		$	210		$	370		$	282		$	339

FX Translation Impact:
Total Revenue - as Reported	$	2,015		$	1,963		$	2,006		$	2,026		$	2,008		$	2,016		$	1,913		$	1,902		$	1,946		$	1,998		$	2,008		$	1,839		$	1,810
Impact of FX Translation (2)	(290		)	(258		)	(275		)	(303		)	(285		)	(251		)	(209		)	(222		)	(195		)	(231		)	(212		)	(130		)	(80		)
Total Revenues - Ex-FX (2)	$	1,725		$	1,705		$	1,731		$	1,723		$	1,723		$	1,765		$	1,704		$	1,680		$	1,751		$	1,767		$	1,796		$	1,709		$	1,730

Total Operating Expenses - as Reported	$	1,275		$	1,252		$	1,276		$	1,399		$	1,262		$	1,226		$	1,203		$	1,249		$	1,211		$	1,499		$	1,276		$	1,215		$	1,167
Impact of FX Translation (2)	(189		)	(156		)	(165		)	(202		)	(176		)	(151		)	(136		)	(151		)	(142		)	(192		)	(157		)	(104		)	(56		)
Total Operating Expenses - Ex-FX (2)	$	1,086		$	1,096		$	1,111		$	1,197		$	1,086		$	1,075		$	1,067		$	1,098		$	1,069		$	1,307		$	1,119		$	1,111		$	1,111

Provisions for LLR & PBC - as Reported	$	172		$	147		$	186		$	251		$	217		$	203		$	183		$	212		$	198		$	194		$	177		$	200		$	133
Impact of FX Translation (2)	(33		)	(19		)	(38		)	(46		)	(45		)	(26		)	(22		)	(27		)	(26		)	(35		)	(31		)	(23		)	(8		)
Provisions for LLR & PBC - Ex-FX (2)	$	139		$	128		$	148		$	205		$	172		$	177		$	161		$	185		$	172		$	159		$	146		$	177		$	125

Net Income - as Reported	$	443		$	416		$	415		$	318		$	364		$	385		$	344		$	298		$	354		$	205		$	366		$	279		$	344
Impact of FX Translation (2)	(42		)	(51		)	(48		)	(24		)	(24		)	(26		)	(16		)	(18		)	(8		)	9			(7		)	(17		)	(4		)
Net Income - Ex-FX (2)	$	401		$	365		$	367		$	294		$	340		$	359		$	328		$	280		$	346		$	214		$	359		$	262		$	340

(1) Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.

(2) Reflects the impact of foreign currency (FX) translation into U.S. Dollars at the fourth quarter of 2016 average exchange rates for all periods presented. Citigroups results of operations excluding the impact of FX translation are non-GAAP financial measures.

Reclassified to conform to the current periods presentation.

Page 13

GLOBAL CONSUMER BANKING

ASIA (1) - PAGE 1

(In millions of dollars, except as otherwise noted)

																						Full			Full			Full			Full
	2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2015			2015			2015			2016			2016			2016			2016			2012			2013			2014			2015

Net Interest Revenue	$	1,156		$	1,107		$	1,097		$	1,101		$	1,116		$	1,136		$	1,110		$	5,405		$	5,091		$	4,969		$	4,494
Non-Interest Revenue	704			591			549			554			613			622			586			2,605			2,748			2,822			2,520
Total Revenues, Net of Interest Expense	1,860			1,698			1,646			1,655			1,729			1,758			1,696			8,010			7,839			7,791			7,014
Total Operating Expenses	1,176			1,118			1,118			1,183			1,146			1,127			1,131			5,202			4,940			5,201			4,579
Net Credit Losses	189			175			184			160			160			168			163			807			762			795			721
Credit Reserve Build / (Release)	(8		)	(61		)	22			(11		)	(24		)	(4		)	11			(51		)	22			(10		)	(89		)
Provision for Unfunded Lending Commitments	(4		)													(3		)	(1		)				31			(16		)	(2		)
Provision for Benefits and Claims
Provisions for Credit Losses and for Benefits and Claims (LLR & PBC)	177			114			206			149			136			161			173			756			815			769			630
Income from Continuing Operations before Taxes	507			466			322			323			447			470			392			2,052			2,084			1,821			1,805
Income Taxes	169			160			105			108			150			160			131			450			682			600			605
Income from Continuing Operations	338			306			217			215			297			310			261			1,602			1,402			1,221			1,200
Noncontrolling Interests	3			6						1			1			1			1			10			11			17			4
Net Income	$	335		$	300		$	217		$	214		$	296		$	309		$	260		$	1,592		$	1,391		$	1,204		$	1,196
Average Assets (in billions)	$	119		$	116		$	117		$	116		$	119		$	121		$	120		$	115		$	116		$	119		$	117
Return on Average Assets	1.13		%	1.03		%	0.74		%	0.74		%	1.00		%	1.02		%	0.86		%	1.38		%	1.20		%	1.01		%	1.02		%
Efficiency Ratio	63		%	66		%	68		%	71		%	66		%	64		%	67		%	65		%	63		%	67		%	65		%

Net Credit Losses as a % of Average Loans	0.84		%	0.80		%	0.85		%	0.76		%	0.76		%	0.78		%	0.79		%	0.91		%	0.85		%	0.85		%	0.81		%

Revenue by Business
Retail Banking	$	1,180		$	1,068		$	1,009		$	1,041		$	1,076		$	1,093		$	1,037		$	4,818		$	4,678		$	4,768		$	4,409
Citi-Branded Cards	680			630			637			614			653			665			659			3,192			3,161			3,023			2,605
Total	$	1,860		$	1,698		$	1,646		$	1,655		$	1,729		$	1,758		$	1,696		$	8,010		$	7,839		$	7,791		$	7,014

Net Credit Losses by Business
Retail Banking	$	80		$	75		$	94		$	62		$	61		$	73		$	65		$	270		$	261		$	318		$	319
Citi-Branded Cards	109			100			90			98			99			95			98			537			501			477			402
Total	$	189		$	175		$	184		$	160		$	160		$	168		$	163		$	807		$	762		$	795		$	721

Income from Continuing Operations by Business
Retail Banking	$	222		$	185		$	111		$	119		$	204		$	190		$	165		$	892		$	713		$	663		$	739
Citi-Branded Cards	116			121			106			96			93			120			96			710			689			558			461
Total	$	338		$	306		$	217		$	215		$	297		$	310		$	261		$	1,602		$	1,402		$	1,221		$	1,200

FX Translation Impact:
Total Revenue - as Reported	$	1,860		$	1,698		$	1,646		$	1,655		$	1,729		$	1,758		$	1,696		$	8,010		$	7,839		$	7,791		$	7,014
Impact of FX Translation (2)	(88		)	(15		)	(8		)	(1		)	(21		)	(34		)				(1,059		)	(907		)	(707		)	(131		)
Total Revenues - Ex-FX (2)	$	1,772		$	1,683		$	1,638		$	1,654		$	1,708		$	1,724		$	1,696		$	6,951		$	6,932		$	7,084		$	6,883

Total Operating Expenses - as Reported	$	1,176		$	1,118		$	1,118		$	1,183		$	1,146		$	1,127		$	1,131		$	5,202		$	4,940		$	5,201		$	4,579
Impact of FX Translation (2)	(69		)	(16		)	(9		)	(1		)	(16		)	(24		)				(657		)	(568		)	(539		)	(106		)
Total Operating Expenses - Ex-FX (2)	$	1,107		$	1,102		$	1,109		$	1,182		$	1,130		$	1,103		$	1,131		$	4,545		$	4,372		$	4,662		$	4,473

Provisions for LLR & PBC - as Reported	$	177		$	114		$	206		$	149		$	136		$	161		$	173		$	756		$	815		$	769		$	630
Impact of FX Translation (2)	(11		)	1						(1		)	(1		)	(3		)				(128		)	(116		)	(116		)	(12		)
Provisions for LLR & PBC - Ex-FX (2)	$	166		$	115		$	206		$	148		$	135		$	158		$	173		$	628		$	699		$	653		$	618

Net Income - as Reported	$	335		$	300		$	217		$	214		$	296		$	309		$	260		$	1,592		$	1,391		$	1,204		$	1,196
Impact of FX Translation (2)	(1		)				1						(1		)	(4		)				(169		)	(80		)	(12		)
Net Income - Ex-FX (2)	$	334		$	300		$	218		$	214		$	295		$	305		$	260		$	1,423		$	1,311		$	1,192		$	1,196

(1) Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.

Reclassified to conform to the current periods presentation.

Page 13

GLOBAL CONSUMER BANKING

ASIA (1) - PAGE 1

(In millions of dollars, except as otherwise noted)

	Full
	Year
	2016

Net Interest Revenue	$	4,463
Non-Interest Revenue	2,375
Total Revenues, Net of Interest Expense	6,838
Total Operating Expenses	4,587
Net Credit Losses	651
Credit Reserve Build / (Release)	(28		)
Provision for Unfunded Lending Commitments	(4		)
Provision for Benefits and Claims
Provisions for Credit Losses and for Benefits and Claims (LLR & PBC)	619
Income from Continuing Operations before Taxes	1,632
Income Taxes	549
Income from Continuing Operations	1,083
Noncontrolling Interests	4
Net Income	$	1,079
Average Assets (in billions)	$	119
Return on Average Assets	0.91		%
Efficiency Ratio	67		%

Net Credit Losses as a % of Average Loans	0.77		%

Revenue by Business
Retail Banking	$	4,247
Citi-Branded Cards	2,591
Total	$	6,838

Net Credit Losses by Business
Retail Banking	$	261
Citi-Branded Cards	390
Total	$	651

Income from Continuing Operations by Business
Retail Banking	$	678
Citi-Branded Cards	405
Total	$	1,083

FX Translation Impact:
Total Revenue - as Reported	$	6,838
Impact of FX Translation (2)
Total Revenues - Ex-FX (2)	$	6,838

Total Operating Expenses - as Reported	$	4,587
Impact of FX Translation (2)
Total Operating Expenses - Ex-FX (2)	$	4,587

Provisions for LLR & PBC - as Reported	$	619
Impact of FX Translation (2)
Provisions for LLR & PBC - Ex-FX (2)	$	619

Net Income - as Reported	$	1,079
Impact of FX Translation (2)
Net Income - Ex-FX (2)	$	1,079

(1) Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.

Reclassified to conform to the current periods presentation.

Page 13

GLOBAL CONSUMER BANKING

ASIA (1) - PAGE 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

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

Branches (actual)	761			703			695			690			658			655			622			590			570			509			499			497			500
Accounts (in millions)	18.0			18.2			18.2			18.3			18.3			18.3			18.2			17.9			17.8			17.8			17.6			17.4			17.4
Average Deposits	$	94.6		$	93.2		$	95.7		$	94.5		$	93.0		$	89.3		$	85.8		$	88.0		$	88.1		$	91.1		$	90.9		$	88.0		$	88.2
Investment Sales	$	9.2		$	7.7		$	10.1		$	10.0		$	12.3		$	11.7		$	8.7		$	8.7		$	10.7		$	9.5		$	10.9		$	8.0		$	11.0
Investment AUMs	$	44.6		$	44.2		$	47.5		$	50.1		$	52.7		$	50.5		$	53.7		$	54.2		$	56.1		$	58.7		$	58.1		$	58.2		$	58.9
Average Loans	$	68.3		$	67.2		$	68.4		$	69.8		$	69.7		$	69.4		$	69.7		$	72.1		$	72.8		$	75.8		$	75.9		$	74.3		$	72.4
EOP Loans:
Mortgages	$	35.1		$	34.6		$	35.5		$	35.9		$	35.8		$	35.0		$	36.4		$	37.1		$	37.8		$	38.9		$	38.4		$	38.0		$	36.8
Commercial Banking	17.0			16.2			16.3			15.9			16.1			16.6			16.8			16.7			17.4			18.0			17.5			16.4			16.0
Personal and Other	16.4			16.6			17.5			18.1			17.9			17.5			17.6			18.5			19.1			19.7			19.4			18.9			19.0
Total EOP Loans	$	68.5		$	67.4		$	69.3		$	69.9		$	69.8		$	69.1		$	70.8		$	72.3		$	74.3		$	76.6		$	75.3		$	73.3		$	71.8

Net Interest Revenue (in millions) (2)	$	811		$	784		$	774		$	769		$	745		$	729		$	712		$	730		$	709		$	737		$	735		$	706		$	667
As a % of Average Loans (2)	4.78		%	4.69		%	4.50		%	4.38		%	4.33		%	4.21		%	4.05		%	4.02		%	3.95		%	3.90		%	3.84		%	3.77		%	3.74		%
Net Credit Losses (in millions)	$	62		$	55		$	68		$	85		$	57		$	55		$	70		$	79		$	82		$	83		$	77		$	76		$	70
As a % of Average Loans	0.37		%	0.33		%	0.40		%	0.48		%	0.33		%	0.32		%	0.40		%	0.43		%	0.46		%	0.44		%	0.40		%	0.41		%	0.39		%
Loans 90+ Days Past Due (in millions)	$	242		$	239		$	215		$	225		$	225		$	199		$	206		$	189		$	195		$	210		$	212		$	186		$	179
As a % of EOP Loans	0.35		%	0.35		%	0.31		%	0.32		%	0.32		%	0.29		%	0.29		%	0.26		%	0.26		%	0.27		%	0.28		%	0.25		%	0.25		%
Loans 30-89 Days Past Due (in millions)	$	447		$	448		$	446		$	462		$	474		$	439		$	394		$	394		$	404		$	414		$	388		$	347		$	359
As a % of EOP Loans	0.65		%	0.66		%	0.64		%	0.66		%	0.68		%	0.64		%	0.56		%	0.54		%	0.54		%	0.54		%	0.52		%	0.47		%	0.50		%

Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)	17.0			17.1			17.2			17.7			17.8			18.1			17.4			17.4			17.2			17.1			17.2			17.3			17.3
Purchase Sales (in billions)	$	18.6		$	18.5		$	18.8		$	20.6		$	19.5		$	19.9		$	19.0		$	20.4		$	18.8		$	20.0		$	20.2		$	20.4		$	18.6
Average Loans (in billions) (3)	$	20.2		$	19.6		$	19.9		$	20.3		$	20.4		$	19.7		$	18.5		$	19.0		$	18.9		$	19.2		$	19.2		$	18.6		$	18.0
EOP Loans (in billions) (3)	$	19.9		$	19.7		$	20.1		$	20.8		$	20.0		$	19.5		$	18.8		$	19.3		$	18.8		$	19.6		$	18.9		$	18.6		$	17.8
Average Yield (4)	14.73		%	14.59		%	14.37		%	14.22		%	13.91		%	13.67		%	13.48		%	13.39		%	13.34		%	13.15		%	13.06		%	12.79		%	12.62		%

Net Interest Revenue (in millions) (5)	$	571		$	559		$	559		$	577		$	562		$	544		$	528		$	541		$	521		$	534		$	529		$	498		$	467
As a % of Average Loans (6)	11.37		%	11.47		%	11.18		%	11.31		%	11.17		%	11.08		%	11.32		%	11.30		%	11.18		%	11.16		%	10.93		%	10.62		%	10.52		%
Net Credit Losses (in millions)	$	134		$	123		$	140		$	140		$	146		$	117		$	121		$	117		$	114		$	129		$	121		$	113		$	103
As a % of Average Loans	2.67		%	2.52		%	2.80		%	2.74		%	2.90		%	2.38		%	2.59		%	2.44		%	2.45		%	2.69		%	2.50		%	2.41		%	2.32		%
Net Credit Margin (in millions) (6)	$	647		$	669		$	654		$	685		$	645		$	688		$	656		$	671		$	632		$	655		$	660		$	599		$	555
As a % of Average Loans (6)	12.88		%	13.73		%	13.07		%	13.42		%	12.82		%	14.01		%	14.07		%	14.01		%	13.56		%	13.68		%	13.64		%	12.78		%	12.50		%
Loans 90+ Days Past Due	$	246		$	243		$	244		$	260		$	256		$	236		$	205		$	203		$	215		$	223		$	207		$	195		$	191
As a % of EOP Loans	1.24		%	1.23		%	1.21		%	1.25		%	1.28		%	1.21		%	1.09		%	1.05		%	1.14		%	1.14		%	1.10		%	1.05		%	1.07		%
Loans 30-89 Days Past Due	$	353		$	347		$	370		$	370		$	358		$	319		$	284		$	295		$	290		$	301		$	278		$	256		$	249
As a % of EOP Loans	1.77		%	1.76		%	1.84		%	1.78		%	1.79		%	1.64		%	1.51		%	1.53		%	1.54		%	1.54		%	1.47		%	1.38		%	1.40		%

(1)		Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.
(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.

Page 14

GLOBAL CONSUMER BANKING

ASIA (1) - PAGE 2


	2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2015			2015			2015			2016			2016			2016			2016
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)

Branches (actual)	498			490			482			448			430			427			401
Accounts (in millions)	17.4			17.6			17.4			17.2			17.0			16.8			16.5
Average Deposits	$	89.3		$	86.4		$	86.7		$	87.2		$	89.4		$	91.6		$	89.9
Investment Sales	$	13.0		$	8.2		$	6.0		$	6.1		$	7.5		$	8.6		$	7.3
Investment AUMs	$	60.1		$	55.1		$	57.0		$	56.1		$	56.1		$	56.8		$	55.8
Average Loans	$	72.3		$	69.7		$	69.0		$	67.5		$	67.5		$	67.9		$	64.6
EOP Loans:
Mortgages	$	36.7		$	34.3		$	34.4		$	34.7		$	33.5		$	33.3		$	31.3
Commercial Banking	16.1			15.3			14.8			14.8			15.2			15.8			14.5
Personal and Other	19.6			19.0			19.2			19.2			18.8			19.0			17.2
Total EOP Loans	$	72.4		$	68.6		$	68.4		$	68.7		$	67.5		$	68.1		$	63.0

Net Interest Revenue (in millions) (2)	$	680		$	659		$	646		$	663		$	664		$	669		$	644
As a % of Average Loans (2)	3.77		%	3.75		%	3.71		%	3.95		%	3.96		%	3.92		%	3.97		%
Net Credit Losses (in millions)	$	80		$	75		$	94		$	62		$	61		$	73		$	65
As a % of Average Loans	0.44		%	0.43		%	0.54		%	0.37		%	0.36		%	0.43		%	0.40		%
Loans 90+ Days Past Due (in millions)	$	185		$	179		$	173		$	174		$	178		$	163		$	157
As a % of EOP Loans	0.26		%	0.26		%	0.25		%	0.25		%	0.26		%	0.24		%	0.25		%
Loans 30-89 Days Past Due (in millions)	$	353		$	327		$	334		$	339		$	346		$	328		$	327
As a % of EOP Loans	0.49		%	0.48		%	0.49		%	0.49		%	0.51		%	0.48		%	0.52		%

Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)	17.3			17.1			16.9			16.6			16.6			16.4			16.3
Purchase Sales (in billions)	$	19.2		$	18.2		$	19.3		$	18.1		$	18.7		$	18.7		$	19.4
Average Loans (in billions) (3)	$	18.0		$	17.1		$	17.3		$	17.4		$	17.4		$	17.6		$	17.3
EOP Loans (in billions) (3)	$	18.1		$	17.0		$	17.6		$	17.6		$	17.6		$	17.7		$	17.5
Average Yield (4)	12.51		%	12.42		%	12.39		%	12.51		%	12.70		%	12.82		%	12.92		%

Net Interest Revenue (in millions) (5)	$	475		$	446		$	450		$	438		$	453		$	467		$	466
As a % of Average Loans (6)	10.58		%	10.35		%	10.32		%	10.12		%	10.47		%	10.56		%	10.72		%
Net Credit Losses (in millions)	$	109		$	100		$	90		$	98		$	99		$	95		$	98
As a % of Average Loans	2.43		%	2.32		%	2.06		%	2.27		%	2.29		%	2.15		%	2.25		%
Net Credit Margin (in millions) (6)	$	571		$	530		$	547		$	516		$	554		$	570		$	561
As a % of Average Loans (6)	12.72		%	12.30		%	12.54		%	11.93		%	12.81		%	12.88		%	12.90		%
Loans 90+ Days Past Due	$	191		$	171		$	180		$	180		$	176		$	185		$	180
As a % of EOP Loans	1.06		%	1.01		%	1.02		%	1.02		%	1.00		%	1.05		%	1.03		%
Loans 30-89 Days Past Due	$	247		$	220		$	226		$	235		$	227		$	240		$	224
As a % of EOP Loans	1.36		%	1.29		%	1.28		%	1.34		%	1.29		%	1.36		%	1.28		%

(1)		Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.
(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.

Page 14

INSTITUTIONAL CLIENTS GROUP

(In millions of dollars, except as otherwise noted)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

Commissions and Fees	$	1,017		$	953		$	915		$	966		$	1,046		$	1,019		$	994		$	939		$	1,017		$	995		$	1,018		$	978		$	998
Administration and Other Fiduciary Fees	678			723			645			667			674			677			616			625			629			655			631			623			613
Investment Banking	811			793			1,000			1,014			1,085			983			842			952			957			1,257			1,047			1,008			1,134
Principal Transactions	1,978			1,471			773			85			2,466			2,442			854			697			2,598			1,572			1,394			330			2,198
Other	(286		)	430			60			70			444			486			177			(80		)	207			135			262			188			258
Total Non-Interest Revenue	4,198			4,370			3,393			2,802			5,715			5,607			3,483			3,133			5,408			4,614			4,352			3,127			5,201
Net Interest Revenue (including Dividends)	3,930			3,897			4,064			4,217			3,876			3,987			3,846			3,933			3,858			3,857			4,050			4,096			3,761
Total Revenues, Net of Interest Expense	8,128			8,267			7,457			7,019			9,591			9,594			7,329			7,066			9,266			8,471			8,402			7,223			8,962
Total Operating Expenses	5,135			5,000			4,881			5,258			4,975			4,912			4,786			5,153			4,887			4,769			4,938			4,906			4,654
Net Credit Losses	(54		)	128			146			79			41			56			69			28			132			9			16			118			(1		)
Credit Reserve Build / (Release)	169			(19		)	(147		)	(33		)	20			(66		)	(18		)	(97		)	(86		)	(96		)	(23		)	103			119
Provision for Unfunded Lending Commitments	(12		)	26			(26		)	51			4			(20		)	93			(24		)	(20		)	(23		)	(25		)	(58		)	(32		)
Provision for Benefits and Claims
Provisions for Credit Losses and for Benefits and Claims	103			135			(27		)	97			65			(30		)	144			(93		)	26			(110		)	(32		)	163			86
Income from Continuing Operations before Taxes	2,890			3,132			2,603			1,664			4,551			4,712			2,399			2,006			4,353			3,812			3,496			2,154			4,222
Income Taxes	725			849			601			266			1,491			1,551			630			526			1,347			1,215			1,114			450			1,317
Income from Continuing Operations	2,165			2,283			2,002			1,398			3,060			3,161			1,769			1,480			3,006			2,597			2,382			1,704			2,905
Noncontrolling Interests	59			30			14			20			50			23			18			18			26			19			45			31			35
Net Income	$	2,106		$	2,253		$	1,988		$	1,378		$	3,010		$	3,138		$	1,751		$	1,462		$	2,980		$	2,578		$	2,337		$	1,673		$	2,870
EOP Assets (in billions)	$	1,257		$	1,252		$	1,270		$	1,223		$	1,243		$	1,271		$	1,281		$	1,268		$	1,291		$	1,298		$	1,289		$	1,263		$	1,277
Average Assets (in billions)	$	1,222		$	1,249		$	1,247		$	1,250		$	1,246		$	1,280		$	1,253		$	1,272		$	1,288		$	1,296		$	1,284		$	1,304		$	1,280
Return on Average Assets (ROA)	0.69		%	0.73		%	0.63		%	0.44		%	0.98		%	0.98		%	0.55		%	0.46		%	0.94		%	0.80		%	0.72		%	0.51		%	0.91		%
ROA (Excluding CVA/DVA) (1)(2)	0.97		%	0.68		%	0.79		%	0.54		%	1.04		%	0.89		%	0.62		%	0.49		%	0.94		%	0.80		%	0.78		%	0.51		%	0.92		%
Efficiency Ratio	63		%	60		%	65		%	75		%	52		%	51		%	65		%	73		%	53		%	56		%	59		%	68		%	52		%

Revenue by Region - Excluding CVA/DVA (2)
North America	$	2,728		$	2,632		$	2,480		$	2,420		$	3,702		$	3,143		$	2,534		$	2,346		$	3,739		$	3,327		$	3,383		$	2,544		$	3,248
EMEA	3,505			2,527			2,750			2,381			2,938			2,818			2,363			2,081			2,750			2,433			2,530			2,073			2,998
Latin America	1,209			1,195			1,250			1,176			1,259			1,232			1,137			1,172			1,148			1,150			1,018			955			980
Asia	2,062			1,715			1,776			1,552			2,002			1,939			1,627			1,632			1,636			1,593			1,787			1,639			1,805
Total	$	9,504		$	8,069		$	8,256		$	7,529		$	9,901		$	9,132		$	7,661		$	7,231		$	9,273		$	8,503		$	8,718		$	7,211		$	9,031
CVA/DVA for Periods Prior to 1Q16 {excluded as applicable in lines above}	(1,376		)	198			(799		)	(510		)	(310		)	462			(332		)	(165		)	(7		)	(32		)	(316		)	12			(69		)
Total Revenues, net of Interest Expense	$	8,128		$	8,267		$	7,457		$	7,019		$	9,591		$	9,594		$	7,329		$	7,066		$	9,266		$	8,471		$	8,402		$	7,223		$	8,962

Income from Continuing Operations by Region - Excluding CVA/DVA (2)
North America	$	625		$	551		$	649		$	508		$	1,301		$	854		$	577		$	471		$	1,364		$	1,143		$	955		$	653		$	927
EMEA	1,215			666			830			465			775			876			516			422			763			565			660			242			998
Latin America	513			504			513			374			483			529			461			209			402			461			330			288			381
Asia	666			436			509			367			693			618			421			478			481			448			631			514			643
Total	$	3,019		$	2,157		$	2,501		$	1,714		$	3,252		$	2,877		$	1,975		$	1,580		$	3,010		$	2,617		$	2,576		$	1,697		$	2,949
CVA/DVA (after-tax) for Periods Prior to 1Q16 {excluded as applicable in lines above}	(854		)	126			(499		)	(316		)	(192		)	284			(206		)	(100		)	(4		)	(20		)	(194		)	7			(44		)
Income from Continuing Operations	$	2,165		$	2,283		$	2,002		$	1,398		$	3,060		$	3,161		$	1,769		$	1,480		$	3,006		$	2,597		$	2,382		$	1,704		$	2,905

Average Loans by Region (in billions)
North America	$	77		$	83		$	91		91			$	91		$	97		$	100		105			$	108		$	111		$	111		115			$	117
EMEA	53			54			55			55			56			58			58			59			60			61			62			61			60
Latin America	35			34			35			37			38			38			38			39			40			41			41			39			39
Asia	59			63			64			61			60			64			67			68			68			70			69			66			62
Total	$	224		$	234		$	245		$	244		$	245		$	257		$	263		$	271		$	276		$	283		$	283		$	281		$	278

EOP Deposits by Region (in billions)
North America	$	164		$	158		$	148		$	145		$	148		$	151		$	166		$	177		$	179		$	176		$	177		$	196		$	251
EMEA	157			160			175			171			173			174			182			186			185			186			179			164			152
Latin America	50			49			60			55			57			58			64			61			67			66			63			55			35
Asia	144			152			155			147			141			144			148			145			139			145			145			142			135
Total	$	515		$	519		$	538		$	518		$	519		$	527		$	560		$	569		$	570		$	573		$	564		$	557		$	573

EOP Deposits by Business (in billions)
Treasury and Trade Solutions	$	321		$	328		$	344		$	324		$	334		$	343		$	370		$	379		$	381		$	384		$	382		$	379		$	388
All Other ICG Businesses	194			191			194			194			185			184			190			190			189			189			182			178			185
Total	$	515		$	519		$	538		$	518		$	519		$	527		$	560		$	569		$	570		$	573		$	564		$	557		$	573

(1) For all periods prior to the first quarter of 2016, ROA excluding CVA/DVA is defined as annualized net income (less CVA/DVA), divided by average assets. See above for after-tax CVA/DVA for each period presented.

(2) See footnote 2 on page 4.

Reclassified to conform to the current periods presentation.

Page 15

INSTITUTIONAL CLIENTS GROUP

(In millions of dollars, except as otherwise noted)

																						Full			Full			Full			Full
	2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2015			2015			2015			2016			2016			2016			2016			2012			2013			2014			2015

Commissions and Fees	$	991		$	959		$	927		$	1,004		$	956		$	929		$	969		$	3,851		$	3,998		$	4,008		3,875
Administration and Other Fiduciary Fees	663			594			573			597			638			610			592			2,713			2,592			2,538			2,443
Investment Banking	1,120			828			1,028			740			1,029			917			969			3,618			3,862			4,269			4,110
Principal Transactions	1,794			1,211			621			1,576			1,912			2,064			1,783			4,307			6,459			5,894			5,824
Other	195			904			55			(7		)	46			(125		)	(66		)	274			1,027			792			1,412
Total Non-Interest Revenue	4,763			4,496			3,204			3,910			4,581			4,395			4,247			14,763			17,938			17,501			17,664
Net Interest Revenue (including Dividends)	4,006			3,985			3,916			3,985			4,108			4,064			3,937			16,108			15,642			15,861			15,668
Total Revenues, Net of Interest Expense	8,769			8,481			7,120			7,895			8,689			8,459			8,184			30,871			33,580			33,362			33,332
Total Operating Expenses	4,847			4,718			4,868			4,872			4,763			4,687			4,634			20,274			19,826			19,500			19,087
Net Credit Losses	82			37			96			211			141			45			119			299			194			275			214
Credit Reserve Build / (Release)	(123		)	193			465			108			(26		)	(93		)	(53		)	(30		)	(161		)	(102		)	654
Provision for Unfunded Lending Commitments	(46		)	83			89			71			(33		)	(42		)	38			39			53			(126		)	94
Provision for Benefits and Claims
Provisions for Credit Losses and for Benefits and Claims	(87		)	313			650			390			82			(90		)	104			308			86			47			962
Income from Continuing Operations before Taxes	4,009			3,450			1,602			2,633			3,844			3,862			3,446			10,289			13,668			13,815			13,283
Income Taxes	1,264			1,133			459			764			1,229			1,202			1,065			2,441			4,198			4,126			4,173
Income from Continuing Operations	2,745			2,317			1,143			1,869			2,615			2,660			2,381			7,848			9,470			9,689			9,110
Noncontrolling Interests	15			(6		)	7			10			17			19			12			123			109			121			51
Net Income	$	2,730		$	2,323		$	1,136		$	1,859		$	2,598		$	2,641		$	2,369		$	7,725		$	9,361		$	9,568		$	9,059
EOP Assets (in billions)	$	1,272		$	1,264		$	1,218		$	1,293		$	1,303		$	1,303		$	1,277
Average Assets (in billions)	$	1,285		$	1,265		$	1,258		$	1,272		$	1,300		$	1,310		$	1,310		$	1,242		$	1,263		$	1,293		$	1,272
Return on Average Assets (ROA)	0.85		%	0.73		%	0.36		%	0.59		%	0.80		%	0.80		%	0.72		%	0.62		%	0.74		%	0.74		%	0.71		%
ROA (Excluding CVA/DVA) (1)(2)	0.79		%	0.68		%	0.40		%	0.59		%	0.80		%	0.80		%	0.72		%	0.75		%	0.76		%	0.76		%	0.70		%
Efficiency Ratio	55		%	56		%	68		%	62		%	55		%	55		%	57		%	66		%	59		%	58		%	57		%

Revenue by Region - Excluding CVA/DVA (2)
North America	$	3,305		$	3,282		$	2,705		$	2,980		$	3,393		$	3,191		$	2,949		$	10,260		$	11,725		$	12,993		$	12,540
EMEA	2,383			2,198			2,077			2,167			2,577			2,506			2,605			11,163			10,200			9,786			9,656
Latin America	987			1,032			937			962			1,022			999			994			4,830			4,800			4,271			3,936
Asia	1,791			1,748			1,587			1,786			1,697			1,763			1,636			7,105			7,200			6,655			6,931
Total	$	8,466		$	8,260		$	7,306		$	7,895		$	8,689		$	8,459		$	8,184		$	33,358		$	33,925		$	33,705		$	33,063
CVA/DVA for Periods Prior to 1Q16 {excluded as applicable in lines above}	303			221			(186		)													(2,487		)	(345		)	(343		)	269
Total Revenues, net of Interest Expense	$	8,769		$	8,481		$	7,120		$	7,895		$	8,689		$	8,459		$	8,184		$	30,871		$	33,580		$	33,362		$	33,332

Income from Continuing Operations by Region - Excluding CVA/DVA (2)
North America	$	937		$	887		$	465		$	546		$	1,005		$	1,067		$	877		$	2,333		$	3,203		$	4,115		$	3,216
EMEA	579			372			196			374			695			649			647			3,176			2,589			2,230			2,145
Latin America	409			380			176			330			392			389			343			1,904			1,682			1,481			1,346
Asia	630			535			423			619			523			555			514			1,978			2,210			2,074			2,231
Total	$	2,555		$	2,174		$	1,260		$	1,869		$	2,615		$	2,660		$	2,381		$	9,391		$	9,684		$	9,900		$	8,938
CVA/DVA (after-tax) for Periods Prior to 1Q16 {excluded as applicable in lines above}	190			143			(117		)													(1,543		)	(214		)	(211		)	172
Income from Continuing Operations	$	2,745		$	2,317		$	1,143		$	1,869		$	2,615		$	2,660		$	2,381		$	7,848		$	9,470		$	9,689		$	9,110

Average Loans by Region (in billions)
North America	$	121		$	127		130			$	133		$	138		$	140		144			$	86		$	98		$	112		$	124
EMEA	64			63			62			63			67			68			66			54			58			61			62
Latin America	41			40			41			39			38			38			37			35			38			40			40
Asia	63			62			61			60			61			60			57			62			65			68			62
Total	$	289		$	292		$	294		$	295		$	304		$	306		$	304		$	237		$	259		$	281		$	288

EOP Deposits by Region (in billions)
North America	$	262		$	261		$	267		$	270		$	275		$	276		$	282
EMEA	160			160			154			166			162			170			164
Latin America	32			30			27			28			25			26			26
Asia	136			145			141			145			147			147			140
Total	$	590		$	596		$	589		$	609		$	609		$	619		$	612

EOP Deposits by Business (in billions)
Treasury and Trade Solutions	$	399		$	400		$	394		$	417		$	407		$	417		$	412
All Other ICG Businesses	191			196			195			192			202			202			200
Total	$	590		$	596		$	589		$	609		$	609		$	619		$	612

(2) See footnote 2 on page 4.

Reclassified to conform to the current periods presentation.

Page 15

INSTITUTIONAL CLIENTS GROUP

(In millions of dollars, except as otherwise noted)

	Full
	Year
	2016

Commissions and Fees	3,858
Administration and Other Fiduciary Fees	2,437
Investment Banking	3,655
Principal Transactions	7,335
Other	(152		)
Total Non-Interest Revenue	17,133
Net Interest Revenue (including Dividends)	16,094
Total Revenues, Net of Interest Expense	33,227
Total Operating Expenses	18,956
Net Credit Losses	516
Credit Reserve Build / (Release)	(64		)
Provision for Unfunded Lending Commitments	34
Provision for Benefits and Claims
Provisions for Credit Losses and for Benefits and Claims	486
Income from Continuing Operations before Taxes	13,785
Income Taxes	4,260
Income from Continuing Operations	9,525
Noncontrolling Interests	58
Net Income	$	9,467
EOP Assets (in billions)
Average Assets (in billions)	$	1,298
Return on Average Assets (ROA)	0.73		%
ROA (Excluding CVA/DVA) (1)(2)	0.73		%
Efficiency Ratio	57		%

Revenue by Region - Excluding CVA/DVA (2)
North America	$	12,513
EMEA	9,855
Latin America	3,977
Asia	6,882
Total	$	33,227
CVA/DVA for Periods Prior to 1Q16 {excluded as applicable in lines above}
Total Revenues, net of Interest Expense	$	33,227

Income from Continuing Operations by Region - Excluding CVA/DVA (2)
North America	$	3,495
EMEA	2,365
Latin America	1,454
Asia	2,211
Total	$	9,525
CVA/DVA (after-tax) for Periods Prior to 1Q16 {excluded as applicable in lines above}
Income from Continuing Operations	$	9,525

Average Loans by Region (in billions)
North America	$	138
EMEA	66
Latin America	38
Asia	60
Total	$	302

EOP Deposits by Region (in billions)
North America
EMEA
Latin America
Asia
Total

EOP Deposits by Business (in billions)
Treasury and Trade Solutions
All Other ICG Businesses
Total

(2) See footnote 2 on page 4.

Reclassified to conform to the current periods presentation.

Page 15

INSTITUTIONAL CLIENTS GROUP

REVENUES BY BUSINESS

(In millions of dollars, except as otherwise noted)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

Revenue Details - Excluding CVA/DVA:
Investment Banking:
Advisory	$	108		$	196		$	193		$	201		$	198		$	207		$	162		$	256		$	174		$	190		$	314		$	260		$	295
Equity Underwriting	169			207			171			185			251			307			200			311			299			399			300			252			231
Debt Underwriting	684			581			685			723			721			644			583			581			587			756			641			558			674
Total Investment Banking	961			984			1,049			1,109			1,170			1,158			945			1,148			1,060			1,345			1,255			1,070			1,200
Treasury and Trade Solutions	2,001			2,062			1,968			1,950			1,905			1,985			1,927			1,918			1,932			1,990			1,944			1,942			1,820
Corporate Lending - Excluding Gain/(Loss) on Loan Hedges	396			453			460			418			368			437			410			427			451			490			479			466			480
Private Bank	601			594			612			599			631			647			616			602			671			659			665			669			675
Total Banking Revenues (Ex-CVA/DVA and Gain/(Loss) on Loan Hedges) (1) (2)	$	3,959		$	4,093		$	4,089		$	4,076		$	4,074		$	4,227		$	3,898		$	4,095		$	4,114		$	4,484		$	4,343		$	4,147		$	4,175

Corporate Lending Gain/(Loss) on Loan Hedges (2)	(344		)	157			(251		)	(258		)	(23		)	23			(147		)	(139		)	(17		)	(44		)	91			86			52
Total Banking Revenues (Ex-CVA/DVA) and including G(L) on Loan Hedges (1)	$	3,615		$	4,250		$	3,838		$	3,818		$	4,051		$	4,250		$	3,751		$	3,956		$	4,097		$	4,440		$	4,434		$	4,233		$	4,227

Fixed Income Markets	4,952			3,002			3,805			2,879			4,731			3,505			2,854			2,448			3,919			3,121			3,064			2,070			3,485
Equity Markets	897			533			499			435			805			904			692			504			883			610			755			473			862
Securities Services	517			484			479			467			492			529			481			476			485			521			535			509			535
Other	(477		)	(200		)	(365		)	(70		)	(178		)	(56		)	(117		)	(153		)	(111		)	(189		)	(70		)	(74		)	(78		)
Total Markets and Securities Services (Ex-CVA/DVA) (1)	$	5,889		$	3,819		$	4,418		$	3,711		$	5,850		$	4,882		$	3,910		$	3,275		$	5,176		$	4,063		$	4,284		$	2,978		$	4,804

Total ICG (Ex-CVA/DVA) (1)	$	9,504		$	8,069		$	8,256		$	7,529		$	9,901		$	9,132		$	7,661		$	7,231		$	9,273		$	8,503		$	8,718		$	7,211		$	9,031

CVA/DVA for Periods Prior to 1Q16 {excluded as applicable in lines above}	(1,376		)	198			(799		)	(510		)	(310		)	462			(332		)	(165		)	(7		)	(32		)	(316		)	12			(69		)
Total Revenues, net of Interest Expense	$	8,128		$	8,267		$	7,457		$	7,019		$	9,591		$	9,594		$	7,329		$	7,066		$	9,266		$	8,471		$	8,402		$	7,223		$	8,962

Taxable-equivalent adjustments (3)	$	212		$	225		$	292		$	212		$	202		$	222		$	238		$	185		$	169		$	169		$	170		$	171		$	164

Total ICG Revenues (Ex-CVA/DVA) and including taxable-equivalent adjustments (1) (3)	$	9,716		$	8,294		$	8,548		$	7,741		$	10,103		$	9,354		$	7,899		$	7,416		$	9,442		$	8,672		$	8,888		$	7,382		$	9,195

Commissions and Fees	$	170		$	152		$	193		$	188		$	172		$	127		$	126		$	109		$	121		$	123		$	97		$	114		$	129
Principal Transctions (4)	2,765			1,175			1,547			770			2,645			1,675			1,121			951			2,406			1,696			1,561			508			2,013
Other	362			81			472			308			464			299			247			29			62			88			120			144			161
Total Non-Interest Revenue	$	3,297		$	1,408		$	2,212		$	1,266		$	3,281		$	2,101		$	1,494		$	1,089		$	2,589		$	1,907		$	1,778		$	766		$	2,303
Net Interest Revenue	1,655			1,594			1,593			1,613			1,450			1,404			1,360			1,359			1,330			1,214			1,286			1,304			1,182
Total Fixed Income Markets (ex-CVA/DVA)	$	4,952		$	3,002		$	3,805		$	2,879		$	4,731		$	3,505		$	2,854		$	2,448		$	3,919		$	3,121		$	3,064		$	2,070		$	3,485

Rates and Currencies	$	3,326		$	1,983		$	2,640		$	2,068		$	2,665		$	2,488		$	1,889		$	1,833		$	1,953		$	1,768		$	1,958		$	1,626		$	2,145
Spread Products / Other Fixed Income	1,626			1,019			1,165			811			2,066			1,017			965			615			1,966			1,353			1,106			444			1,340
Total Fixed Income Markets (ex-CVA/DVA)	$	4,952		$	3,002		$	3,805		$	2,879		$	4,731		$	3,505		$	2,854		$	2,448		$	3,919		$	3,121		$	3,064		$	2,070		$	3,485

Commissions and Fees	$	438		$	348		$	337		$	352		$	426		$	406		$	383		$	350		$	404		$	355		$	350		$	348		$	371
Principal Transctions (4)	335			16			(40		)	(190		)	138			178			68			(113		)	172			(28		)	33			(199		)	170
Other	(14		)	(10		)	(5		)	(24		)	5			(4		)	(12		)	(12		)	52			(8		)	3			(10		)	16
Total Non-Interest Revenue	$	759		$	354		$	292		$	138		$	569		$	580		$	439		$	225		$	628		$	319		$	386		$	139		$	557
Net Interest Revenue	138			179			207			297			236			324			253			279			255			291			369			334			305
Total Equity Markets (ex-CVA/DVA)	$	897		$	533		$	499		$	435		$	805		$	904		$	692		$	504		$	883		$	610		$	755		$	473		$	862

(1) See footnote 2 on page 4.

(2) Hedges on accrual loans reflect the mark-to-market on credit derivatives used to economically hedge the corporate loan accrual portfolio. The fixed premium costs of these hedges are netted against the core lending revenues. Citigroups results of operations excluding the impact of gain/(loss) on loan hedges are non-GAAP financial measures.

(3) Primarily relates to income tax credits related to affordable housing and alternative energy investments as well as tax exempt income from municipal bond investments.

(4) Excludes principal transactions revenues of ICG businesses other than Markets, primarily treasury and trade solutions in private bank.

Reclassified to conform to the current periods presentation.

Page 16

INSTITUTIONAL CLIENTS GROUP

REVENUES BY BUSINESS

(In millions of dollars, except as otherwise noted)

																						Full			Full			Full			Full
	2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2015			2015			2015			2016			2016			2016			2016			2012			2013			2014			2015

Revenue Details - Excluding CVA/DVA:
Investment Banking:
Advisory	$	257		$	239		$	302		$	227		$	238		$	239		$	296		$	698		$	823		$	938		$	1,093
Equity Underwriting	296			173			206			118			174			146			190			732			1,069			1,250			906
Debt Underwriting	735			528			621			528			803			698			645			2,673			2,529			2,542			2,558
Total Investment Banking	1,288			940			1,129			873			1,215			1,083			1,131			4,103			4,421			4,730			4,557
Treasury and Trade Solutions	1,885			1,862			1,915			1,903			1,999			1,986			2,009			7,981			7,735			7,808			7,482
Corporate Lending - Excluding Gain/(Loss) on Loan Hedges	477			437			433			448			383			439			448			1,727			1,642			1,886			1,827
Private Bank	669			633			605			684			674			680			671			2,406			2,496			2,664			2,582
Total Banking Revenues (Ex-CVA/DVA and Gain/(Loss) on Loan Hedges) (1) (2)	$	4,319		$	3,872		$	4,082		$	3,908		$	4,271		$	4,188		$	4,259		$	16,217		$	16,294		$	17,088		$	16,448

Corporate Lending Gain/(Loss) on Loan Hedges (2)	(66		)	352			(14		)	(66		)	(203		)	(218		)	(107		)	(696		)	(286		)	116			324
Total Banking Revenues (Ex-CVA/DVA) and including G(L) on Loan Hedges (1)	$	4,253		$	4,224		$	4,068		$	3,842		$	4,068		$	3,970		$	4,152		$	15,521		$	16,008		$	17,204		$	16,772

Fixed Income Markets	3,032			2,553			2,207			3,051			3,432			3,413			2,957			14,638			13,538			12,174			11,277
Equity Markets	644			997			598			697			776			654			685			2,364			2,905			2,721			3,101
Securities Services	563			506			510			561			529			533			529			1,947			1,978			2,050			2,114
Other	(26		)	(20		)	(77		)	(256		)	(116		)	(111		)	(139		)	(1,112		)	(504		)	(444		)	(201		)
Total Markets and Securities Services (Ex-CVA/DVA) (1)	$	4,213		$	4,036		$	3,238		$	4,053		$	4,621		$	4,489		$	4,032		$	17,837		$	17,917		$	16,501		$	16,291

Total ICG (Ex-CVA/DVA) (1)	$	8,466		$	8,260		$	7,306		$	7,895		$	8,689		$	8,459		$	8,184		$	33,358		$	33,925		$	33,705		$	33,063

CVA/DVA for Periods Prior to 1Q16 {excluded as applicable in lines above}	303			221			(186		)													(2,487		)	(345		)	(343		)	269
Total Revenues, net of Interest Expense	$	8,769		$	8,481		$	7,120		$	7,895		$	8,689		$	8,459		$	8,184		$	30,871		$	33,580		$	33,362		$	33,332

Taxable-equivalent adjustments (3)	$	161		$	162		$	173		$	166		$	144		$	162		$	169		$	941		$	847		$	679		$	660

Total ICG Revenues (Ex-CVA/DVA) and including taxable-equivalent adjustments (1) (3)	$	8,627		$	8,422		$	7,479		$	8,061		$	8,833		$	8,621		$	8,353		$	34,299		$	34,772		$	34,384		$	33,723

Commissions and Fees	$	106		$	115		$	117		$	124		$	113		$	115		$	122		$	703		$	534		$	455		$	467
Principal Transctions (4)	1,523			1,063			775			1,344			1,765			1,825			1,604			6,257			6,392			6,171			5,374
Other	112			42			15			216			213			171			(9		)	1,223			1,039			414			330
Total Non-Interest Revenue	$	1,741		$	1,220		$	907		$	1,684		$	2,091		$	2,111		$	1,717		$	8,183		$	7,965		$	7,040		$	6,171
Net Interest Revenue	1,291			1,333			1,300			1,367			1,341			1,302			1,240			6,455			5,573			5,134			5,106
Total Fixed Income Markets (ex-CVA/DVA)	$	3,032		$	2,553		$	2,207		$	3,051		$	3,432		$	3,413		$	2,957		$	14,638		$	13,538		$	12,174		$	11,277

Rates and Currencies	$	1,972		$	1,767		$	1,732		$	2,236		$	2,461		$	2,362		$	2,230		$	10,017		$	8,875		$	7,305		$	7,616
Spread Products / Other Fixed Income	1,060			786			475			815			971			1,051			727			4,621			4,663			4,869			3,661
Total Fixed Income Markets (ex-CVA/DVA)	$	3,032		$	2,553		$	2,207		$	3,051		$	3,432		$	3,413		$	2,957		$	14,638		$	13,538		$	12,174		$	11,277

Commissions and Fees	$	336		$	329		$	302		$	357		$	319		$	302		$	322		$	1,475		$	1,565		$	1,457		$	1,338
Principal Transctions (4)	56			95			(51		)	51			(48		)	45			86			121			271			(22		)	270
Other	(184		)	189			33			2			127			4			6			(53		)	(23		)	37			54
Total Non-Interest Revenue	$	208		$	613		$	284		$	410		$	398		$	351		$	414		$	1,543		$	1,813		$	1,472		$	1,662
Net Interest Revenue	436			384			314			287			378			303			271			821			1,092			1,249			1,439
Total Equity Markets (ex-CVA/DVA)	$	644		$	997		$	598		$	697		$	776		$	654		$	685		$	2,364		$	2,905		$	2,721		$	3,101

(1) See footnote 2 on page 4.

(3) Primarily relates to income tax credits related to affordable housing and alternative energy investments as well as tax exempt income from municipal bond investments.

(4) Excludes principal transactions revenues of ICG businesses other than Markets, primarily treasury and trade solutions in private bank.

Reclassified to conform to the current periods presentation.

Page 16

INSTITUTIONAL CLIENTS GROUP

REVENUES BY BUSINESS

(In millions of dollars, except as otherwise noted)

	Full
	Year
	2016

Revenue Details - Excluding CVA/DVA:
Investment Banking:
Advisory	$	1,000
Equity Underwriting	628
Debt Underwriting	2,674
Total Investment Banking	4,302
Treasury and Trade Solutions	7,897
Corporate Lending - Excluding Gain/(Loss) on Loan Hedges	1,718
Private Bank	2,709
Total Banking Revenues (Ex-CVA/DVA and Gain/(Loss) on Loan Hedges) (1) (2)	$	16,626

Corporate Lending Gain/(Loss) on Loan Hedges (2)	(594			)
Total Banking Revenues (Ex-CVA/DVA) and including G(L) on Loan Hedges (1)	$	16,032

Fixed Income Markets	12,853
Equity Markets	2,812
Securities Services	2,152
Other	(622			)
Total Markets and Securities Services (Ex-CVA/DVA) (1)	$	17,195

Total ICG (Ex-CVA/DVA) (1)	$	33,227

CVA/DVA for Periods Prior to 1Q16 {excluded as applicable in lines above}
Total Revenues, net of Interest Expense	$	33,227

Taxable-equivalent adjustments (3)	$	641

Total ICG Revenues (Ex-CVA/DVA) and including taxable-equivalent adjustments (1) (3)	$	33,868

Commissions and Fees	$		474
Principal Transctions (4)	6,538
Other	591
Total Non-Interest Revenue	$	7,603
Net Interest Revenue	5,250
Total Fixed Income Markets (ex-CVA/DVA)	$	12,853

Rates and Currencies	$	9,289
Spread Products / Other Fixed Income	3,564
Total Fixed Income Markets (ex-CVA/DVA)	$	12,853

Commissions and Fees	1,300
Principal Transctions (4)	134
Other	139
Total Non-Interest Revenue	$	1,573
Net Interest Revenue	1,239
Total Equity Markets (ex-CVA/DVA)	$	2,812

(1) See footnote 2 on page 4.

(3) Primarily relates to income tax credits related to affordable housing and alternative energy investments as well as tax exempt income from municipal bond investments.

(4) Excludes principal transactions revenues of ICG businesses other than Markets, primarily treasury and trade solutions in private bank.

Reclassified to conform to the current periods presentation.

Page 16

CORPORATE / OTHER (1)

(In millions of dollars, except as otherwise noted)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

Net Interest Revenue	$	1,274		$	1,068		$	1,097		$	1,032		$	1,203		$	1,230		$	1,142		$	1,293		$	1,378		$	1,454		$	1,304		$	1,198		$	1,411
Non-interest revenue (2)(3)	1,139			610			(3,755		)	1,003			740			1,005			1,158			978			1,196			1,020			1,218			842			1,125
Total Revenues, Net of Interest Expense	2,413			1,678			(2,658		)	2,035			1,943			2,235			2,300			2,271			2,574			2,474			2,522			2,040			2,536
Total Operating Expenses	2,605			2,423			2,546			3,397			2,685			2,633			2,365			2,483			2,708			5,947			3,383			4,849			1,930
Net Credit Losses	1,875			1,481			1,965			1,139			1,088			892			791			896			663			529			485			505			468
Credit Reserve Build / (Release)	(511		)	(227		)	(801		)	65			(332		)	(471		)	(673		)	(526		)	(341		)	(210		)	(148		)	(221		)	(171		)
Provision for Benefits and Claims	181			175			171			166			178			166			165			155			168			156			167			166			169
Provision for Unfunded Lending Commitments	(26		)	(19		)	(16		)	6			(4		)	7			(4		)	(7		)	(5		)	(3		)	(3		)	1			(5)
Total provisions for credit losses and for benefits and claims (2)(3)(4)	1,519			1,410			1,319			1,376			930			594			279			518			485			472			501			451			461
Income from Continuing Operations before Taxes	(1,711		)	(2,155		)	(6,523		)	(2,738		)	(1,672		)	(992		)	(344		)	(730		)	(619		)	(3,945		)	(1,362		)	(3,260		)	145
Income Taxes (Benefits)	(534		)	(969		)	(3,065		)	(977		)	(737		)	(272		)	(311		)	(82		)	50			(91		)	(37		)	(256		)	(100		)
Income (Loss) from Continuing Operations	(1,177		)	(1,186		)	(3,458		)	(1,761		)	(935		)	(720		)	(33		)	(648		)	(669		)	(3,854		)	(1,325		)	(3,004		)	245
Income (Loss) from Discontinued Operations, net of taxes	12			7			8			(85		)	(33		)	30			92			181			37			(22		)	(16		)	(1		)	(5		)
Noncontrolling Interests	65			10			8			6			35			8			28			31			12			24			7			4			11
Net Income (Loss)	$	(1,230	)	$	(1,189	)	$	(3,458	)	$	(1,852	)	$	(1,003	)	$	(698	)	$	31		$	(498	)	$	(644	)	$	(3,900	)	$	(1,348	)	$	(3,009	)	$	229
EOP Assets (in billions of dollars)	$	305		$	285		$	275		$	254		$	248		$	230		$	225		$	214		$	212		$	212		$	199		$	187		$	181
Average Assets (in billions of dollars)	$	313		$	295		$	282		$	272		$	255		$	238		$	223		$	224		$	210		$	214		$	216		$	205		$	194
Return on Average Assets	(1.58		)%	(1.62		)%	(4.88		)%	(2.71		)%	(1.60		)%	(1.18		)%	0.06		%	(0.88		)%	(1.24		)%	(7.31		)%	(2.48		)%	(5.82		)%	0.48		%
Efficiency Ratio	108		%	144		%	-96		%	167		%	138		%	118		%	103		%	109		%	105		%	240		%	134		%	238		%	76		%

Corporate/Other Consumer Key Indicators:

Consumer - International (1) (2)

Branches (actual)	998			953			940			643			628			525			509			487			467			430			360			349			318
Average Loans (in billions)	$	30.0		$	28.3		$	27.7		$	26.8		$	25.8		$	24.2		$	20.8		$	20.8		$	19.7		$	19.9		$	18.6		$	14.8		$	12.9
EOP Loans (in billions)	$	29.4		$	28.1		$	27.8		$	26.6		$	24.9		$	21.0		$	21.2		$	20.7		$	20.1		$	19.9		$	15.4		$	14.4		$	10.2
Net Interest Revenue	$	865		$	710		$	743		$	688		$	664		$	693		$	603		$	603		$	537		$	594		$	494		$	414		$	435
As a % of Average Loans	13.13		%	11.51		%	12.21		%	11.75		%	12.08		%	11.49		%	11.50		%	11.50		%	11.05		%	11.97		%	10.54		%	11.10		%	13.68		%
Net Credit Losses	$	310		$	303		$	280		$	257		$	244		$	174		$	204		$	195		$	176		$	170		$	143		$	116		$	112
As a % of Average Loans	4.70		%	4.91		%	4.60		%	4.39		%	4.44		%	2.88		%	3.89		%	3.72		%	3.62		%	3.43		%	3.05		%	3.11		%	3.52		%
Loans 90+ Days Past Due	$	800		$	742		$	730		$	709		$	626		$	506		$	435		$	388		$	388		$	367		$	248		$	225		$	194
As a % of EOP Loans	2.72		%	2.64		%	2.63		%	2.67		%	2.51		%	2.41		%	2.05		%	1.87		%	1.93		%	1.84		%	1.61		%	1.56		%	1.90		%
Loans 30-89 Days Past Due	$	997		$	908		$	882		$	849		$	749		$	586		$	520		$	498		$	498		$	462		$	286		$	265		$	234
As a % of EOP Loans	3.39		%	3.23		%	3.17		%	3.19		%	3.01		%	2.79		%	2.45		%	2.41		%	2.48		%	2.32		%	1.86		%	1.84		%	2.29		%

Consumer - North America (3)

Branches (actual)	1,720			1,592			1,582			1,564			1,501			1,493			1,483			1,471			1,459			1,458			1,455			1,424			278
Average Loans (in billions of dollars)	$	122.1		$	117.1		$	112.7		$	107.7		$	103.4		$	97.0		$	90.6		$	86.8		$	83.8		$	80.8		$	77.1		$	73.9		$	68.9
EOP Loans (in billions of dollars)	$	118.9		$	114.6		$	109.1		$	105.1		$	98.3		$	91.7		$	88.3		$	85.3		$	82.3		$	78.5		$	74.9		$	70.8		$	56.6
Net Interest Revenue	$	668		$	661		$	701		$	689		$	757		$	747		$	779		$	819		$	862		$	859		$	860		$	860		$	828
As a % of Average Loans	2.20		%	2.27		%	2.47		%	2.55		%	2.97		%	3.09		%	3.41		%	3.74		%	4.17		%	4.26		%	4.43		%	4.62		%	4.87		%
Net Credit Losses (4)	$	1,582		$	1,136		$	1,703		$	916		$	835		$	724		$	556		$	713		$	474		$	356		$	369		$	359		$	363
As a % of Average Loans	5.21		%	3.90		%	6.01		%	3.38		%	3.28		%	2.99		%	2.43		%	3.26		%	2.29		%	1.77		%	1.90		%	1.93		%	2.14		%
Loans 90+ Days Past Due (5)	$	5,220		$	4,991		$	4,608		$	4,267		$	3,428		$	2,992		$	2,793		$	2,593		$	2,544		$	2,470		$	2,093		$	1,963		$	1,607
As a % of EOP Loans	4.75		%	4.71		%	4.58		%	4.41		%	3.80		%	3.57		%	3.46		%	3.32		%	3.38		%	3.37		%	2.99		%	2.94		%	2.97		%
Loans 30-89 Days Past Due (5)	$	4,074		$	4,161		$	4,317		$	3,835		$	3,121		$	2,896		$	2,660		$	2,524		$	2,103		$	2,174		$	1,978		$	1,663		$	1,197
As a % of EOP Loans	3.71		%	3.93		%	4.29		%	3.96		%	3.46		%	3.45		%	3.30		%	3.24		%	2.79		%	2.97		%	2.83		%	2.49		%	2.21		%

(1) Includes Citi Holdings, certain costs of global staff functions, other corporate expenses and certain global operations and technology expenses, Corporate Treasury, and Discontinued operations.

(2) As a result of Citigroups entry into an agreement in March 2015 to sell OneMain Financial (OneMain), OneMain was classified as held-for-sale (HFS) at the end of the first quarter 2015. As a result of HFS accounting treatment, approximately $74 million of cost of credit was recorded as a reduction in revenue (Other revenue) during the fourth quarter of 2015. The OneMain sale was completed on November 15, 2015. Additionally, the HFS treatment resulted in the reclassification of loans of OneMain to Other assets, where applicable.

(3) As a result of Citigroups entry into agreements in October 2016 to sell its Brazil and Argentina consumer banking businesses, these businesses were classified as HFS at the end of the fourth quarter 2016. As a result of HFS accounting treatment, approximately $35 million of cost of credit was recorded as a reduction in revenue (Other revenue) during the fourth quarter of 2016. Additionally, the HFS treatment resulted in the reclassification of loans of these businesses to Other assets, where applicable.

(4) The fourth quarter of 2015 includes a build of $162 million related to the transfer of approximately $8 billion of mortgage loans to Loans Held-for-sale at the end of the quarter. The second and fourth quarters of 2016 include releases of $89 million and $30 million, respectively, related to sales and transfers of mortgage loans during those quarters.

(5) See footnote 3 on page 18.

Reclassified to conform to the current periods presentation.

Page 17

CORPORATE / OTHER (1)

(In millions of dollars, except as otherwise noted)

																						Full			Full			Full			Full
	2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2015			2015			2015			2016			2016			2016			2016			2012			2013			2014			2015

Net Interest Revenue	$	1,412		$	1,328		$	1,059		$	890		$	820		$	706		$	569		$	4,471		$	4,868		$	5,334		$	5,210
Non-interest revenue (2)(3)	1,161			812			2,463			1,056			365			431			292			(1,003		)	3,881			4,276			5,561
Total Revenues, Net of Interest Expense	2,573			2,140			3,522			1,946			1,185			1,137			861			3,468			8,749			9,610			10,771
Total Operating Expenses	1,747			1,726			1,926			1,250			1,309			1,288			1,130			10,971			10,166			16,887			7,329
Net Credit Losses	334			273			261			142			101			131			61			6,460			3,667			2,182			1,336
Credit Reserve Build / (Release)	(184		)	(172		)	74			(31		)	(223		)	(122		)	(80		)	(1,474		)	(2,002		)	(920		)	(453		)
Provision for Benefits and Claims	159			161			134			60			29			9						693			664			657			623
Provision for Unfunded Lending Commitments	2			(19		)	(2		)	(1		)	(5		)				(2		)	(55		)	(8		)	(10		)	(24		)
Total provisions for credit losses and for benefits and claims (2)(3)(4)	311			243			467			170			(98		)	18			(21		)	5,624			2,321			1,909			1,482
Income from Continuing Operations before Taxes	515			171			1,129			526			(26		)	(169		)	(248		)	(13,127		)	(3,738		)	(9,186		)	1,960
Income Taxes (Benefits)	(23		)	(166		)	187			81			(173		)	(146		)	(233		)	(5,545		)	(1,402		)	(334		)	(102		)
Income (Loss) from Continuing Operations	538			337			942			445			147			(23		)	(15		)	(7,582		)	(2,336		)	(8,852		)	2,062
Income (Loss) from Discontinued Operations, net of taxes	6			(10		)	(45		)	(2		)	(23		)	(30		)	(3		)	(58		)	270			(2		)	(54		)
Noncontrolling Interests	(2		)	3			17			(7		)	8			(5		)	2			89			102			47			29
Net Income (Loss)	$	546		$	324		$	880		$	450		$	116		$	(48	)	$	(20	)	$	(7,729	)	$	(2,168	)	$	(8,901	)	$	1,979

EOP Assets (in billions of dollars)	$	176		$	168		$	132		$	124		$	117		$	104		$	103
Average Assets (in billions of dollars)	$	175		$	179		$	148		$	129		$	120		$	111		$	100		$	291		$	235		$	211		$	174
Return on Average Assets	1.25		%	0.72		%	2.36		%	1.40		%	0.39		%	(0.17		)%	(0.08		)%	(2.69		)%	(0.94		)%	(4.24		)%	1.14		%
Efficiency Ratio	68		%	81		%	55		%	64		%	110		%	113		%	131		%	316		%	116		%	176		%	68		%

Corporate/Other Consumer Key Indicators:

Consumer - International (1) (2)

Branches (actual)	301			304			293			246			223			224			61
Average Loans (in billions)	$	9.9		$	8.8		$	8.3		$	6.7		$	6.1		$	5.4		$	2.4		28.2			22.9			18.3			10.0
EOP Loans (in billions)	$	9.4		$	8.7		$	8.2		$	6.4		$	5.5		$	5.5		$	2.4
Net Interest Revenue	$	416		$	389		$	336		$	269		$	259		$	246		$	94
As a % of Average Loans	16.25		%	17.54		%	16.06		%	16.15		%	17.08		%	18.12		%	15.58		%
Net Credit Losses	$	116		$	93		$	122		$	78		$	77		$	82		$	32		1,150			817			605			443
As a % of Average Loans	4.70		%	4.19		%	5.83		%	4.68		%	5.08		%	6.04		%	5.30		%	4.08		%	3.57		%	3.31		%	4.43		%
Loans 90+ Days Past Due	$	185		$	174		$	157		$	145		$	170		$	164		$	94
As a % of EOP Loans	1.97		%	2.00		%	1.91		%	2.27		%	3.09		%	2.98		%	3.92		%
Loans 30-89 Days Past Due	$	213		$	193		$	179		$	161		$	138		$	135		$	49
As a % of EOP Loans	2.27		%	2.22		%	2.18		%	2.52		%	2.51		%	2.45		%	2.04		%

Consumer - North America (3)

Branches (actual)	273			272			272			266			261			259			251
Average Loans (in billions of dollars)	$	55.5		$	52.7		$	49.4		$	39.4		$	37.2		$	35.4		$	32.0		114.9			94.5			78.9			56.6
EOP Loans (in billions of dollars)	$	54.2		$	50.7		$	40.5		$	38.6		$	35.7		$	33.4		$	30.8
Net Interest Revenue	$	786		$	769		$	529		$	339		$	296		$	231		$	198
As a % of Average Loans	2.07		%	2.03		%	1.96		%	3.46		%	3.20		%	2.60		%	2.46		%
Net Credit Losses (4)	$	193		$	166		$	141		$	65		$	24		$	52		$	28		5,337			2,828			1,558			863
As a % of Average Loans	1.39		%	1.25		%	1.13		%	0.66		%	0.26		%	0.58		%	0.35		%	4.64		%	2.99		%	1.97		%	1.52		%
Loans 90+ Days Past Due (5)	$	1,462		$	1,354		$	770		$	751		$	708		$	693		$	740
As a % of EOP Loans	2.84		%	2.81		%	2.01		%	2.05		%	2.09		%	2.17		%	2.52		%
Loans 30-89 Days Past Due (5)	$	1,153		$	1,230		$	857		$	768		$	720		$	714		$	686
As a % of EOP Loans	2.24		%	2.56		%	2.24		%	2.09		%	2.12		%	2.24		%	2.33		%

(1) Includes Citi Holdings, certain costs of global staff functions, other corporate expenses and certain global operations and technology expenses, Corporate Treasury, and Discontinued operations.

(3) As a result of Citigroups entry into agreements in October 2016 to sell its Brazil and Argentina consumer banking businesses, these businesses were classified as HFS at the end of the fourth quarter 2016. As aresult of HFS accounting treatment, approximately $35 million of cost of credit was recorded as a reduction in revenue (Other revenue) during the fourth quarter of 2016. Additionally, the HFS treatment resulted in the reclassification of loans of these businesses to Other assets, where applicable.

(5) See footnote 3 on page 18.

Reclassified to conform to the current periods presentation.

Page 17

CORPORATE / OTHER (1)

(In millions of dollars, except as otherwise noted)

	Full
	Year
	2016

Net Interest Revenue	$	2,985
Non-interest revenue (2)(3)	2,144
Total Revenues, Net of Interest Expense	5,129
Total Operating Expenses	4,977
Net Credit Losses	435
Credit Reserve Build / (Release)	(456		)
Provision for Benefits and Claims	98
Provision for Unfunded Lending Commitments	(8		)
Total provisions for credit losses and for benefits and claims (2)(3)(4)	69
Income from Continuing Operations before Taxes	83
Income Taxes (Benefits)	(471		)
Income (Loss) from Continuing Operations	554
Income (Loss) from Discontinued Operations, net of taxes	(58		)
Noncontrolling Interests	(2		)
Net Income (Loss)	$	498
EOP Assets (in billions of dollars)
Average Assets (in billions of dollars)	$	115
Return on Average Assets	0.43		%
Efficiency Ratio	97		%

Corporate/Other Consumer Key Indicators:

Consumer - International (1) (2)

Branches (actual)
Average Loans (in billions)	5.2
EOP Loans (in billions)
Net Interest Revenue
As a % of Average Loans
Net Credit Losses	269
As a % of Average Loans	5.17		%
Loans 90+ Days Past Due
As a % of EOP Loans
Loans 30-89 Days Past Due
As a % of EOP Loans

Consumer - North America (3)

Branches (actual)
Average Loans (in billions of dollars)	36.0
EOP Loans (in billions of dollars)
Net Interest Revenue
As a % of Average Loans
Net Credit Losses (4)	169
As a % of Average Loans	0.47		%
Loans 90+ Days Past Due (5)
As a % of EOP Loans
Loans 30-89 Days Past Due (5)
As a % of EOP Loans

(1) Includes Citi Holdings, certain costs of global staff functions, other corporate expenses and certain global operations and technology expenses, Corporate Treasury, and Discontinued operations.

(5) See footnote 3 on page 18.

Reclassified to conform to the current periods presentation.

Page 17

CORPORATE / OTHER

CONSUMER KEY INDICATORS - Continued

(In millions of dollars, except as otherwise noted)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015			2015			2015

North America Mortgages

Residential First	$	66.6		$	64.2		$	62.0		$	59.2		$	56.8		$	52.8		$	47.9		$	45.5		$	43.8		$	41.9		$	39.2		$	37.0		$	33.2		$	29.2		$	27.8
Home Equity	39.5			37.9			36.6			34.9			33.5			32.0			30.6			29.3			28.2			27.4			26.4			25.3			24.4			23.3			22.0
Average Loans (in billions of dollars)	$	106.1		$	102.1		$	98.6		$	94.1		$	90.3		$	84.8		$	78.5		$	74.8		$	72.0		$	69.3		$	65.6		$	62.3		$	57.6		$	52.5		$	49.8

Residential First	$	65.0		$	62.6		$	59.9		$	57.7		$	53.5		$	48.6		$	46.5		$	44.6		$	43.2		$	40.0		$	37.5		$	34.4		$	29.8		$	28.6		$	26.4
Home Equity	38.6			37.2			35.4			34.1			32.6			31.2			29.8			28.7			27.7			26.9			25.9			24.9			23.8			22.7			21.5
EOP Loans (in billions of dollars) (1)	$	103.6		$	99.8		$	95.3		$	91.8		$	86.1		$	79.8		$	76.3		$	73.3		$	70.9		$	66.9		$	63.4		$	59.3		$	53.6		$	51.3		$	47.9

Third Party Mortgage Serv. Portfolio (EOP, in billions)	$	182.3		$	168.4		$	155.1		$	142.9		$	128.8		$	116.7		$	106.4		$	100.1		$	88.4		$	69.9		$	56.0		$	47.4		$	43.4		$	39.2		$	36.4
Net Servicing & Gain/(Loss) on Sale	$	77.3		$	(124.2	)	$	81.3		$	77.6		$	78.8		$	98.7		$	25.1		$	53.5		$	27.2		$	34.6		$	81.5		$	96.8		$	96.2		$	61.3		$	49.6
Net Interest Revenue	$	385		$	407		$	434		$	423		$	457		$	422		$	437		$	451		$	464		$	439		$	419		$	413		$	343		$	301		$	277
As a % of Avg. Loans	1.46		%	1.60		%	1.75		%	1.79		%	2.05		%	2.00		%	2.21		%	2.39		%	2.61		%	2.54		%	2.53		%	2.63		%	2.42		%	2.30		%	2.21		%

Residential First	$	745		$	426		$	622		$	367		$	318		$	279		$	211		$	297		$	190		$	91		$	137		$	117		$	103		$	101		$	84
Home Equity	561			448			863			355			312			274			212			269			140			114			98			87			81			70			61
Net Credit Losses (NCLs)	$	1,306		$	874		$	1,485		$	722		$	630		$	553		$	423		$	566		$	330		$	205		$	235		$	204		$	184		$	171		$	145
As a % of Avg. Loans	4.95		%	3.44		%	5.99		%	3.05		%	2.83		%	2.62		%	2.14		%	3.00		%	1.86		%	1.19		%	1.42		%	1.30		%	1.30		%	1.31		%	1.16		%

Residential First	$	3,878		$	3,774		$	3,439		$	3,114		$	2,454		$	2,106		$	1,928		$	1,772		$	1,767		$	1,743		$	1,345		$	1,185		$	1,089		$	973		$	881
Home Equity	903			863			833			822			722			678			641			582			542			517			503			500			484			458			441
Loans 90+ Days Past Due (1) (3) (4)	$	4,781		$	4,637		$	4,272		$	3,936		$	3,176		$	2,784		$	2,569		$	2,354		$	2,309		$	2,260		$	1,848		$	1,685		$	1,573		$	1,431		$	1,322
As a % of EOP Loans	5.05		%	5.08		%	4.92		%	4.71		%	4.08		%	3.87		%	3.73		%	3.57		%	3.61		%	3.66		%	3.16		%	3.05		%	3.08		%	2.94		%	2.92		%

Residential First	$	3,024		$	3,134		$	3,326		$	2,911		$	2,411		$	2,212		$	2,015		$	1,884		$	1,577		$	1,642		$	1,425		$	1,123		$	879		$	830		$	871
Home Equity	744			725			689			630			517			483			427			422			350			336			334			324			269			275			311
Loans 30-89 Days Past Due (1) (3) (4)	$	3,768		$	3,859		$	4,015		$	3,541		$	2,928		$	2,695		$	2,442		$	2,306		$	1,927		$	1,978		$	1,759		$	1,447		$	1,148		$	1,105		$	1,182
As a % of EOP Loans	3.98		%	4.23		%	4.62		%	4.24		%	3.76		%	3.74		%	3.55		%	3.49		%	3.02		%	3.21		%	3.01		%	2.62		%	2.25		%	2.27		%	2.61		%

(1) The fourth quarter of 2015 reflects the transfer of approximately $8 billion of mortgage loans to Loans, held-for-sale (HFS) (included within Other assets). Delinquencies and related ratios are not included for Loans HFS.

(2) See footnote 4 on page 18.

(3) 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) for each period were $1.5 billion and ($2.2 billion), $1.3 billion and ($1.9 billion), $1.2 billion and ($1.8 billion), $1.0 billion and ($1.5 billion), and $0.9 billion and (1.4 billion) as of December 31, 2015, March 31, 2016, June 30, 2016, September 30, 2016 and December 31, 2016, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) for each period were $0.2 billion and ($2.2 billion), $0.2 billion and ($1.9 billion), $0.2 billion and ($1.8 billion), $0.1 billion and ($1.5 billion), and $0.2 billion and ($1.4 billion), as of December 31, 2015, March 31, 2016, June 30, 2016, September 30, 2016 and December 31, 2016, respectively.

(4) The December 31, 2015, March 31, 2016, June 30, 2016, September 30, 2016 and December 31, 2016 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude $11 million, $9 million, $9 million, $9 million and $7 million, respectively, of loans that are carried at fair value.

Reclassified to conform to the current periods presentation.

Page 18

CORPORATE / OTHER

CONSUMER KEY INDICATORS - Continued

(In millions of dollars, except as otherwise noted)

	4Q			1Q			2Q			3Q			4Q
	2015			2016			2016			2016			2016

North America Mortgages

Residential First	$	25.7		$	18.1		$	16.5		$	15.5		$	13.9
Home Equity	21.0			18.6			18.0			16.7			15.6
Average Loans (in billions of dollars)	$	46.7		$	36.7		$	34.5		$	32.2		$	29.5

Residential First	$	18.7		$	17.6		$	15.8		$	14.8		$	13.4
Home Equity	19.1			18.3			17.3			16.1			15.0
EOP Loans (in billions of dollars) (1)	$	37.8		$	35.9		$	33.1		$	30.9		$	28.4

Third Party Mortgage Serv. Portfolio (EOP, in billions)	$	34.0		$	29.3		$	28.5		$	18.6		$	18.0
Net Servicing & Gain/(Loss) on Sale	$	5.0		$	118.4		$	19.4		$	17.0		$	17.9
Net Interest Revenue	$	246		$	258		$	178		$	150		$	114
As a % of Avg. Loans	2.09		%	2.83		%	2.08		%	1.85		%	1.54		%

Residential First	$	65		$	1		$	(12	)	$	7		$	(23	)
Home Equity	56			42			13			23			25
Net Credit Losses (NCLs)	$	121		$	43		$	1		$	30		$	2
As a % of Avg. Loans	1.03		%	0.47		%	0.01		%	0.37		%	0.03		%

Residential First	$	323		$	314		$	267		$	245		$	290
Home Equity	417			409			414			418			420
Loans 90+ Days Past Due (1) (3) (4)	$	740		$	723		$	681		$	663		$	710
As a % of EOP Loans	2.08		%	2.13		%	2.18		%	2.26		%	2.63		%

Residential First	$	539		$	454		$	433		$	426		$	395
Home Equity	271			274			241			244			234
Loans 30-89 Days Past Due (1) (3) (4)	$	810		$	728		$	674		$	670		$	629
As a % of EOP Loans	2.28		%	2.14		%	2.15		%	2.28		%	2.33		%

(2) See footnote 4 on page 18.

Reclassified to conform to the current periods presentation.

Page 18

CORPORATE / OTHER

MEMO - CITI HOLDINGS

ALREADY INCLUDED AS A COMPONENT OF CORPORATE/OTHER

(In millions of dollars, except as otherwise noted)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015
Revenues
Net interest revenue	$	1,319		$	1,192		$	1,294		$	1,241		$	1,349		$	1,367		$	1,336		$	1,424		$	1,413		$	1,498		$	1,367		$	1,279		$	1,265
Non-interest revenue (1) (2)	569			718			(4,027		)	816			544			698			856			853			938			887			1,073			853			886
Total revenues, net of interest expense	1,888			1,910			(2,733		)	2,057			1,893			2,065			2,192			2,277			2,351			2,385			2,440			2,132			2,151

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	1,874			1,479			1,964			1,139			1,089			893			793			896			664			530			486			506			469
Credit Reserve Build / (Release)	(510		)	(226		)	(800		)	64			(333		)	(472		)	(674		)	(526		)	(341		)	(210		)	(148		)	(221		)	(172		)
Provision for loan losses	1,364			1,253			1,164			1,203			756			421			119			370			323			320			338			285			297
Provision for Benefits and Claims	181			175			171			166			179			165			166			155			167			156			167			166			169
Provision for unfunded lending commitments	(26		)	(19		)	(16		)	5			(4		)	7			(5		)	(7		)	(5		)	(3		)	(3		)				(5		)
Total provisions for credit losses and for benefits and claims (1)(2)(3)	1,519			1,409			1,319			1,374			931			593			280			518			485			473			502			451			461

Total operating expenses	2,053			2,082			2,020			2,532			2,341			2,341			2,157			2,289			2,306			5,307			1,659			1,586			1,384

Income (Loss) from Continuing Operations before Income Taxes	(1,684		)	(1,581		)	(6,072		)	(1,849		)	(1,379		)	(869		)	(245		)	(530		)	(440		)	(3,395		)	279			95			306
Provision (benefits) for income taxes	(643		)	(635		)	(2,487		)	(755		)	(582		)	(340		)	(149		)	(116		)	(159		)	72			65			30			152

Income (Loss) from Continuing Operations	(1,041		)	(946		)	(3,585		)	(1,094		)	(797		)	(529		)	(96		)	(414		)	(281		)	(3,467		)	214			65			154

Noncontrolling Interests	2			1						1			5			1			6			4			2						4						1
Citi Holdings Net Income (Loss)	$	(1,043	)	$	(947	)	$	(3,585	)	$	(1,095	)	$	(802	)	$	(530	)	$	(102	)	$	(418	)	$	(283	)	$	(3,467	)	$	210		$	65		$	153
Average Assets (in billions of dollars)	$	274		$	252		$	237		$	222		$	205		$	193		$	173		$	167		$	162		$	159		$	152		$	141		$	134
Return on Average Assets	(1.56		)%	(1.54		)%	(6.12		)%	(2.00		)%	(1.62		)%	(1.10		)%	(0.23		)%	(0.99		)%	(0.71		)%	(8.75		)%	0.55		%	0.18		%	0.46		%
Efficiency Ratio	109		%	109		%	-74		%	123		%	124		%	113		%	98		%	101		%	98		%	223		%	68		%	74		%	64		%

Balance Sheet Data (in billions):

Total EOP Assets	$	259		$	242		$	227		$	211		$	200		$	178		$	171		$	164		$	161		$	158		$	146		$	138		$	130

Total EOP Loans	$	153		$	147		$	141		$	135		$	126		$	115		$	112		$	108		$	104		$	97		$	91		$	85		$	67

Total EOP Deposits	$	102		$	102		$	112		$	111		$	106		$	105		$	83		$	74		$	67		$	58		$	49		$	21		$	16

(1)		As a result of Citigroups entry into an agreement in March 2015 to sell OneMain Financial (OneMain), OneMain was classified as held-for-sale (HFS) at the end of the first quarter 2015. As a result of HFS accounting treatment, approximately $74 million of cost of credit was recorded as a reduction in revenue (Other revenue) during the fourth quarter of 2015. The OneMain sale was completed on November 15, 2015. Additionally, the HFS treatment resulted in the reclassification of loans of OneMain to Other assets, where applicable.

(2)		As a result of Citigroups entry into agreements in October 2016 to sell its Brazil and Argentina consumer banking businesses, these businesses were classified as HFS at the end of the fourth quarter 2016. As a result of HFS accounting treatment, approximately $35 million of cost of credit was recorded as a reduction in revenue (Other revenue) during the fourth quarter of 2016. Additionally, the HFS treatment resulted in the reclassification of loans of these businesses to Other assets, where applicable.

(3)		The fourth quarter of 2015 includes a build of $162 million related to the transfer of approximately $8 billion of mortgage loans to Loans Held-for-sale at the end of the quarter. The second and fourth quarters of 2016 include releases of $89 million and $30 million, respectively, related to sales and transfers of mortgage loans during those quarters.

Reclassified to conform to the current periods presentation.

Page 19

CORPORATE / OTHER

MEMO - CITI HOLDINGS

ALREADY INCLUDED AS A COMPONENT OF CORPORATE/OTHER

(In millions of dollars, except as otherwise noted)

																						Full			Full			Full			Full
	2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2015			2015			2015			2016			2016			2016			2016			2012			2013			2014			2015
Revenues
Net interest revenue	$	1,213		$	1,155		$	855		$	602		$	550		$	479		$	406		$	5,046		$	5,476		$	5,557		$	4,488
Non-interest revenue (1) (2)	769			530			2,318			878			294			395			248			(1,924		)	2,951			3,751			4,503
Total revenues, net of interest expense	1,982			1,685			3,173			1,480			844			874			654			3,122			8,427			9,308			8,991

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	334			272			261			143			102			129			59			6,456			3,671			2,186			1,336
Credit Reserve Build / (Release)	(185		)	(171		)	73			(31		)	(224		)	(122		)	(78		)	(1,472		)	(2,005		)	(920		)	(455		)
Provision for loan losses	149			101			334			112			(122		)	7			(19		)	4,984			1,666			1,266			881
Provision for Benefits and Claims	160			161			134			60			29			10						693			665			656			624
Provision for unfunded lending commitments	2			(19		)	(1		)	(2		)	(5		)				(1		)	(56		)	(9		)	(11		)	(23		)
Total provisions for credit losses and for benefits and claims (1)(2)(3)	311			243			467			170			(98		)	17			(20		)	5,621			2,322			1,911			1,482

Total operating expenses	1,361			1,373			1,449			828			858			826			659			8,687			9,128			10,858			5,567

Income (Loss) from Continuing Operations before Income Taxes	310			69			1,257			482			84			31			15			(11,186		)	(3,023		)	(3,461		)	1,942
Provision (benefits) for income taxes	146			67			571			131			(15		)	(41		)	(70		)	(4,520		)	(1,187		)	8			936

Income (Loss) from Continuing Operations	164			2			686			351			99			72			85			(6,666		)	(1,836		)	(3,469		)	1,006

Noncontrolling Interests							10			1			5									4			16			6			11
Citi Holdings Net Income (Loss)	$	164		$	2		$	676		$	350		$	94		$	72		$	85		$	(6,670	)	$	(1,852	)	$	(3,475	)	$	995
Average Assets (in billions of dollars)	$	126		$	120		$	97		$	78		$	71		$	64		$	58		$	246		$	185		$	154		$	119
Return on Average Assets	0.52		%	0.01		%	2.76		%	1.80		%	0.53		%	0.45		%	0.58		%	(2.75		)%	(1.02		)%	(2.27		)%	0.84		%
Efficiency Ratio	69		%	81		%	46		%	56		%	102		%	95		%	101		%	278		%	108		%	117		%	62		%

Balance Sheet Data (in billions):

Total EOP Assets	$	124		$	117		$	81		$	73		$	66		$	61		$	54		$	211		$	164		$	138		$	81

Total EOP Loans	$	64		$	60		$	49		$	45		$	41		$	39		$	33		$	135		$	108		$	85		$	49

Total EOP Deposits	$	12		$	11		$	10		$	9		$	6		$	6		$	2		$	111		$	74		$	21		$	10

(1)		As a result of Citigroups entry into an agreement in March 2015 to sell OneMain Financial (OneMain), OneMain was classified as held-for-sale (HFS) at the end of the first quarter 2015. As a result of HFS accounting treatment, approximately $74 million of cost of credit was recorded as a reduction in revenue (Other revenue) during the fourth quarter of 2015. The OneMain sale was completed on November 15, 2015. Additionally, the HFS treatment resulted in the reclassification of loans of OneMain to Other assets, where applicable.

(2)		As a result of Citigroups entry into agreements in October 2016 to sell its Brazil and Argentina consumer banking businesses, these businesses were classified as HFS at the end of the fourth quarter 2016. As a result of HFS accounting treatment, approximately $35 million of cost of credit was recorded as a reduction in revenue (Other revenue) during the fourth quarter of 2016. Additionally, the HFS treatment resulted in the reclassification of loans of these businesses to Other assets, where applicable.

(3)		The fourth quarter of 2015 includes a build of $162 million related to the transfer of approximately $8 billion of mortgage loans to Loans Held-for-sale at the end of the quarter. The second and fourth quarters of 2016 include releases of $89 million and $30 million, respectively, related to sales and transfers of mortgage loans during those quarters.

Reclassified to conform to the current periods presentation.

Page 19

CORPORATE / OTHER

MEMO - CITI HOLDINGS

ALREADY INCLUDED AS A COMPONENT OF CORPORATE/OTHER

(In millions of dollars, except as otherwise noted)

	Full
	Year
	2016
Revenues
Net interest revenue	$	2,037
Non-interest revenue (1) (2)	1,815
Total revenues, net of interest expense	3,852

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	433
Credit Reserve Build / (Release)	(455		)
Provision for loan losses	(22		)
Provision for Benefits and Claims	99
Provision for unfunded lending commitments	(8		)
Total provisions for credit losses and for benefits and claims (1)(2)(3)	69

Total operating expenses	3,171

Income (Loss) from Continuing Operations before Income Taxes	612
Provision (benefits) for income taxes	5

Income (Loss) from Continuing Operations	607

Noncontrolling Interests	6
Citi Holdings Net Income (Loss)	$	601
Average Assets (in billions of dollars)	$	68
Return on Average Assets	0.88		%
Efficiency Ratio	82		%

Balance Sheet Data (in billions):

Total EOP Assets	$	54

Total EOP Loans	$	33

Total EOP Deposits	$	2

(1)		As a result of Citigroups entry into an agreement in March 2015 to sell OneMain Financial (OneMain), OneMain was classified as held-for-sale (HFS) at the end of the first quarter 2015. As a result of HFS accounting treatment, approximately $74 million of cost of credit was recorded as a reduction in revenue (Other revenue) during the fourth quarter of 2015. The OneMain sale was completed on November 15, 2015. Additionally, the HFS treatment resulted in the reclassification of loans of OneMain to Other assets, where applicable.

(2)		As a result of Citigroups entry into agreements in October 2016 to sell its Brazil and Argentina consumer banking businesses, these businesses were classified as HFS at the end of the fourth quarter 2016. As a result of HFS accounting treatment, approximately $35 million of cost of credit was recorded as a reduction in revenue (Other revenue) during the fourth quarter of 2016. Additionally, the HFS treatment resulted in the reclassification of loans of these businesses to Other assets, where applicable.

(3)		The fourth quarter of 2015 includes a build of $162 million related to the transfer of approximately $8 billion of mortgage loans to Loans Held-for-sale at the end of the quarter. The second and fourth quarters of 2016 include releases of $89 million and $30 million, respectively, related to sales and transfers of mortgage loans during those quarters.

Reclassified to conform to the current periods presentation.

Page 19

AVERAGE BALANCES AND INTEREST RATES (1)(2)(3)(4)(5)

Taxable Equivalent Basis

	Average Volumes						Interest						% Average Rate (4)
	Fourth		Third		Fourth		Fourth		Third		Fourth		Fourth		Third		Fourth
	Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter
In millions of dollars, except as otherwise noted	2015		2016		2016		2015		2016		2016		2015		2016		2016
Assets:
Deposits with Banks	$	122,098	$	131,571	$	143,119	$	189	$	247	$	268	0.61	%	0.75	%	0.74	%
Fed Funds Sold and Resale Agreements (6)	226,388		234,996		235,364		554		636		596		0.97	%	1.08	%	1.01	%
Trading Account Assets (7)	195,193		201,206		194,782		1,465		1,471		1,371		2.98	%	2.91	%	2.80	%
Investments	343,974		354,789		345,552		1,900		1,946		1,963		2.19	%	2.18	%	2.26	%
Total Loans (net of Unearned Income) (8)	624,955		635,771		626,028		9,975		10,246		10,033		6.33	%	6.41	%	6.38	%
Other Interest-Earning Assets	60,323		52,668		62,602		409		221		321		2.69	%	1.67	%	2.04	%
Total Average Interest-Earning Assets	$	1,572,931	$	1,611,001	$	1,607,447	$	14,492	$	14,767	$	14,552	3.66	%	3.65	%	3.60	%

Liabilities:
Deposits (excluding deposit insurance and FDIC Assessment)	$	696,560	$	731,231	$	718,871	$	954	$	1,107	$	1,041	0.54	%	0.60	%	0.58	%
Deposit Insurance and FDIC Assessment							269		336		306
Total Deposits	696,560		731,231		718,871		1,223		1,443		1,347		0.70	%	0.79	%	0.75	%
Fed Funds Purchased and Repurchase Agreements (6)	162,998		157,984		150,137		415		459		424		1.01	%	1.16	%	1.12	%
Trading Account Liabilities (7)	63,213		76,237		81,670		59		102		124		0.37	%	0.53	%	0.60	%
Short-Term Borrowings	89,094		81,304		94,935		87		90		177		0.39	%	0.44	%	0.74	%
Long-Term Debt (9)	185,919		181,933		183,637		1,117		1,080		1,205		2.38	%	2.36	%	2.61	%
Total Average Interest-Bearing Liabilities	$	1,197,784	$	1,228,689	$	1,229,250	$	2,901	$	3,174	$	3,277	0.96	%	1.03	%	1.06	%
Total Average Interest-Bearing Liabilities (excluding deposit insurance and FDIC Assessment)	$	1,197,784	$	1,228,689	$	1,229,250	$	2,632	$	2,838	$	2,971	0.87	%	0.92	%	0.96	%

Net Interest Revenue as a % of Average Interest-Earning Assets (NIM)							$	11,591	$	11,593	$	11,275	2.92	%	2.86	%	2.79	%

NIR as a % of Average Interest-Earning Assets (NIM) (excluding deposit insurance and FDIC Assessment)							$	11,860	$	11,929	$	11,581	2.99	%	2.95	%	2.87	%

4Q16 Increase (Decrease) From													(13	)bps	(7	)bps

4Q16 Increase (Decrease) (excluding deposit insurance and FDIC Assessment) From													(12	)bps	(8	)bps

(1) Interest Revenue includes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $126 million for the fourth quarter of 2015, $114 million for the third quarter of 2016 and $112 million for the fourth quarter of 2016.

(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) Preliminary.

(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 ASU 2013-01 (Topic 210).

(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.

Page 20

DEPOSITS

(In billions of dollars)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

Deposits by Business

Global Consumer Banking
North America	$	161.5		$	161.4		$	164.9		$	173.4		$	175.4		$	174.5		$	177.5		$	178.9		$	181.4		$	179.4		$	180.6		$	180.2		$	181.6
Latin America	28.5			28.8			30.5			31.7			31.7			29.2			29.8			31.4			30.8			31.1			29.2			29.2			27.4
Asia (1)	95.0			96.0			96.5			94.9			93.1			87.9			87.6			88.9			90.7			92.9			90.3			89.0			89.5
Total	$	285.0		$	286.2		$	291.9		$	300.0		$	300.2		$	291.6		$	294.9		$	299.2		$	302.9		$	303.4		$	300.1		$	298.4		$	298.5

ICG
North America	$	164.2		$	158.3		$	148.6		$	144.8		$	147.3		$	150.7		$	166.1		$	177.5		$	179.1		$	175.7		$	177.0		$	196.2		$	251.5
EMEA	157.3			160.0			175.4			171.2			173.1			174.0			181.9			185.6			184.7			186.2			179.4			164.2			151.8
Latin America	49.6			49.1			59.5			55.1			57.0			57.8			63.6			60.6			67.4			66.3			63.2			54.8			34.9
Asia	144.3			151.7			154.8			146.8			141.3			144.4			148.2			145.4			138.7			144.9			144.5			141.6			134.5
Total	$	515.4		$	519.1		$	538.3		$	517.9		$	518.7		$	526.9		$	559.8		$	569.1		$	569.9		$	573.1		$	564.1		$	556.8		$	572.7

Corporate/Other	$	105.6		$	109.0		$	114.4		$	112.7		$	114.9		$	119.9		$	100.8		$	100.0		$	93.5		$	89.2		$	78.5		$	44.1		$	28.4

Total Deposits - EOP	$	906.0		$	914.3		$	944.6		$	930.6		$	933.8		$	938.4		$	955.5		$	968.3		$	966.3		$	965.7		$	942.7		$	899.3		$	899.6

Total Deposits - Average	$	869.1		$	893.4		$	921.2		$	928.9		$	920.4		$	924.5		$	922.1		$	956.4		$	957.4		$	959.5		$	954.2		$	938.7		$	899.5

Foreign Currency (FX) Translation Impact:
Total EOP Deposits - as Reported	$	906.0		$	914.3		$	944.6		$	930.6		$	933.8		$	938.4		$	955.5		$	968.3		$	966.3		$	965.7		$	942.7		$	899.3		$	899.6
Impact of FX Translation (2)	(80.1		)	(70.8		)	(82.2		)	(81.5		)	(75.2		)	(64.4		)	(70.8		)	(70.3		)	(67.9		)	(71.7		)	(55.2		)	(40.2		)	(27.7		)
Total EOP Deposits - Ex-FX (2)	$	825.9		$	843.5		$	862.4		$	849.1		$	858.6		$	874.0		$	884.7		$	898.0		$	898.4		$	894.0		$	887.5		$	859.1		$	871.9

(1)		Asia GCB includes deposits of certain EMEA countries for all periods presented.
(2)		Reflects the impact of FX translation into U.S. Dollars at the fourth quarter of 2016 exchange rates for all periods presented. Citigroups results of operations excluding the impact of FX translation are non-GAAP financial measures.

		Reclassified to conform to the current periods presentation.

Page 21

DEPOSITS

(In billions of dollars)

	2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2015			2015			2015			2016			2016			2016			2016

Deposits by Business

Global Consumer Banking
North America	$	182.5		$	180.0		$	181.6		$	183.7		$	183.3		$	185.6		$	185.0
Latin America	27.5			24.8			27.0			26.7			26.4			25.8			24.9
Asia (1)	89.4			87.0			87.6			90.7			90.5			93.6			89.9
Total	$	299.4		$	291.8		$	296.2		$	301.1		$	300.2		$	305.0		$	299.8

ICG
North America	$	261.7		$	261.6		$	267.3		$	269.3		$	274.5		$	276.1		$	282.6
EMEA	159.9			160.3			153.5			166.0			162.4			170.0			163.5
Latin America	32.1			29.6			27.0			28.2			25.2			26.1			25.7
Asia	136.0			144.9			141.3			145.2			146.5			146.6			140.0
Total	$	589.7		$	596.4		$	589.1		$	608.7		$	608.6		$	618.8		$	611.8

Corporate/Other	$	18.9		$	16.0		$	22.6		$	24.8		$	29.1		$	16.5		$	17.8

Total Deposits - EOP	$	908.0		$	904.2		$	907.9		$	934.6		$	937.9		$	940.3		$	929.4

Total Deposits - Average	$	906.4		$	903.1		$	908.8		$	911.7		$	935.6		$	944.2		$	935.1

Foreign Currency (FX) Translation Impact:
Total EOP Deposits - as Reported	$	908.0		$	904.2		$	907.9		$	934.6		$	937.9		$	940.3		$	929.4
Impact of FX Translation (2)	(29.8		)	(16.4		)	(14.5		)	(20.8		)	(15.4		)	(15.8		)
Total EOP Deposits - Ex-FX (2)	$	878.2		$	887.8		$	893.4		$	913.8		$	922.5		$	924.5		$	929.4

(1)		Asia GCB includes deposits of certain EMEA countries for all periods presented.
(2)		Reflects the impact of FX translation into U.S. Dollars at the fourth quarter of 2016 exchange rates for all periods presented. Citigroups results of operations excluding the impact of FX translation are non-GAAP financial measures.

		Reclassified to conform to the current periods presentation.

Page 21

EOP LOANS

(In billions of dollars)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

Global Consumer Banking

North America
Credit Cards	$	109.4		$	109.3		$	108.8		$	111.5		$	104.6		$	105.3		$	111.8		$	116.8		$	109.1		$	110.4		$	109.5		$	114.0		$	105.9
Retail Banking	40.6			40.9			41.5			42.7			43.2			41.8			43.3			44.3			45.2			46.4			47.8			47.1			48.1
Total	$	150.0		$	150.2		$	150.3		$	154.2		$	147.8		$	147.1		$	155.1		$	161.1		$	154.3		$	156.8		$	157.3		$	161.1		$	154.0

Latin America
Credit Cards	$	6.0		$	5.9		$	6.3		$	6.6		$	7.1		$	7.0		$	7.1		$	7.4		$	7.2		$	7.4		$	7.3		$	6.7		$	6.1
Retail Banking	19.8			19.6			21.0			21.7			23.4			22.8			22.2			23.5			23.1			23.5			22.8			21.0			20.8
Total	$	25.8		$	25.5		$	27.3		$	28.3		$	30.5		$	29.8		$	29.3		$	30.9		$	30.3		$	30.9		$	30.1		$	27.7		$	26.9

Asia (1)
Credit Cards	$	19.9		$	19.7		$	20.1		$	20.8		$	20.0		$	19.5		$	18.8		$	19.3		$	18.8		$	19.6		$	18.9		$	18.6		$	17.8
Retail Banking	68.5			67.4			69.3			69.9			69.8			69.1			70.8			72.3			74.3			76.6			75.3			73.3			71.8
Total	$	88.4		$	87.1		$	89.4		$	90.7		$	89.8		$	88.6		$	89.6		$	91.6		$	93.1		$	96.2		$	94.2		$	91.9		$	89.6

Total GCB Consumer Loans
Credit Cards	$	135.3		$	134.9		$	135.2		$	138.9		$	131.7		$	131.8		$	137.7		$	143.5		$	135.1		$	137.4		$	135.7		$	139.3		$	129.8
Retail Banking	128.9			127.9			131.8			134.3			136.4			133.7			136.3			140.1			142.6			146.5			145.9			141.4			140.7
Total GCB	$	264.2		$	262.8		$	267.0		$	273.2		$	268.1		$	265.5		$	274.0		$	283.6		$	277.7		$	283.9		$	281.6		$	280.7		$	270.5

Corporate/Other - Consumer:

North America
Mortgages	103.6			99.8			95.3			91.8			86.1			79.8			76.3			73.3			70.9			66.9			63.4			59.3			53.6
Other	15.3			14.8			13.8			13.3			12.2			11.9			12.0			12.0			11.4			11.6			11.5			11.5			3.0
Total	$	118.9		$	114.6		$	109.1		$	105.1		$	98.3		$	91.7		$	88.3		$	85.3		$	82.3		$	78.5		$	74.9		$	70.8		$	56.6

International	$	29.4		$	28.1		$	27.8		$	26.6		$	24.9		$	21.0		$	21.2		$	20.7		$	20.1		$	19.9		$	15.4		$	14.4		$	10.2

Corporate/Other - Other Consumer	1.1			1.0			1.1			0.9			0.8			0.8			0.9			0.7			0.5			(2.2		)	0.2			(0.3		)	0.1

Total Corporate/Other - Consumer	$	149.4		$	143.7		$	138.0		$	132.6		$	124.0		$	113.5		$	110.4		$	106.7		$	102.9		$	96.2		$	90.5		$	84.9		$	66.9

Total Consumer Loans	$	413.6		$	406.5		$	405.0		$	405.8		$	392.1		$	379.0		$	384.4		$	390.3		$	380.6		$	380.1		$	372.1		$	365.6		$	337.4

Total Corporate Loans
North America	$	80.4		$	88.4		$	94.3		$	93.5		$	91.6		$	99.8		$	103.6		$	106.2		$	107.3		$	108.8		$	114.1		$	117.3		$	118.8
EMEA	55.9			61.0			58.8			57.1			61.4			60.6			62.1			62.4			64.8			64.9			60.8			59.5			61.8
Latin America	35.0			34.6			36.6			38.0			38.4			37.9			39.5			40.1			42.1			42.0			40.1			39.3			40.3
Asia	63.2			64.5			63.8			61.0			62.8			66.4			68.0			66.5			69.4			71.7			66.7			62.9			62.7
Total Corporate Loans	$	234.5		$	248.5		$	253.5		$	249.6		$	254.2		$	264.7		$	273.2		$	275.2		$	283.6		$	287.4		$	281.7		$	279.0		$	283.6

Total Loans	$	648.0		$	655.0		$	658.4		$	655.5		$	646.4		$	643.7		$	657.6		$	665.5		$	664.2		$	667.5		$	653.8		$	644.6		$	621.1

Foreign Currency (FX) Translation Impact:
Total EOP Loans - as Reported	$	648.0		$	655.0		$	658.4		$	655.5		$	646.4		$	643.7		$	657.6		$	665.5		$	664.2		$	667.5		$	653.8		$	644.6		$	621.1
Impact of FX Translation (2)	(47.3		)	(41.8		)	(49.6		)	(49.9		)	(48.2		)	(41.0		)	(42.8		)	(43.1		)	(42.4		)	(45.9		)	(36.5		)	(26.7		)	(19.5		)
Total EOP Loans - Ex-FX (2)	$	600.7		$	613.2		$	608.8		$	605.6		$	598.2		$	603.6		$	614.8		$	622.4		$	621.8		$	621.6		$	617.3		$	617.9		$	601.6

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

(1) Asia GCB includes loans of certain EMEA countries for all periods presented.

(2) Reflects the impact of FX translation into U.S. Dollars at the fourth quarter of 2016 exchange rates for all periods presented. Citigroups results of operations excluding the impact of FX translation are non-GAAP financial measures.

Reclassified to conform to the current periods presentation.

Page 22

EOP LOANS

(In billions of dollars)

	2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2015			2015			2015			2016			2016			2016			2016

Global Consumer Banking

North America
Credit Cards	$	107.7		$	107.9		$	113.3		$	107.4		$	120.8		$	125.2		$	133.3
Retail Banking	49.2			51.0			52.2			53.5			54.8			54.8			55.3
Total	$	156.9		$	158.9		$	165.5		$	160.9		$	175.6		$	180.0		$	188.6

Latin America
Credit Cards	$	5.9		$	5.4		$	5.4		$	5.3		$	5.0		$	4.9		$	4.8
Retail Banking	20.8			19.5			19.7			19.8			19.1			18.7			18.0
Total	$	26.7		$	24.9		$	25.1		$	25.1		$	24.1		$	23.6		$	22.8

Asia (1)
Credit Cards	$	18.1		$	17.0		$	17.6		$	17.6		$	17.6		$	17.7		$	17.5
Retail Banking	72.4			68.6			68.4			68.7			67.5			68.1			63.0
Total	$	90.5		$	85.6		$	86.0		$	86.3		$	85.1		$	85.8		$	80.5

Total GCB Consumer Loans
Credit Cards	$	131.7		$	130.3		$	136.3		$	130.3		$	143.4		$	147.8		$	155.6
Retail Banking	142.4			139.1			140.3			142.0			141.4			141.6			136.3
Total GCB	$	274.1		$	269.4		$	276.6		$	272.3		$	284.8		$	289.4		$	291.9

Corporate/Other - Consumer:

North America
Mortgages	51.3			47.9			37.8			35.9			33.1			30.9			28.4
Other	2.9			2.8			2.7			2.7			2.6			2.5			2.4
Total	$	54.2		$	50.7		$	40.5		$	38.6		$	35.7		$	33.4		$	30.8

International	$	9.4		$	8.7		$	8.2		$	6.4		$	5.5		$	5.5		$	2.4

Corporate/Other - Other Consumer	0.2			0.1			0.2			0.3			0.1			0.1

Total Corporate/Other - Consumer	$	63.8		$	59.5		$	48.9		$	45.3		$	41.3		$	39.0		$	33.2

Total Consumer Loans	$	337.9		$	328.9		$	325.5		$	317.6		$	326.1		$	328.4		$	325.1

Total Corporate Loans
North America	$	126.7		$	128.8		$	130.5		$	135.7		$	139.3		$	144.3		$	142.3
EMEA	64.3			63.3			60.6			65.2			69.0			67.9			62.5
Latin America	40.4			40.6			40.3			38.7			38.0			37.7			36.9
Asia	62.8			60.8			60.8			61.7			61.1			60.2			57.6
Total Corporate Loans	$	294.2		$	293.5		$	292.2		$	301.3		$	307.4		$	310.1		$	299.3

Total Loans	$	632.1		$	622.4		$	617.6		$	618.8		$	633.5		$	638.4		$	624.4

Foreign Currency (FX) Translation Impact:
Total EOP Loans - as Reported	$	632.1		$	622.4		$	617.6		$	618.8		$	633.5		$	638.4		$	624.4
Impact of FX Translation (2)	(19.9		)	(9.8		)	(8.5		)	(12.3		)	(9.0		)	(9.0		)
Total EOP Loans - Ex-FX (2)	$	612.2		$	612.6		$	609.1		$	606.5		$	624.5		$	629.4		$	624.4

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

(1) Asia GCB includes loans of certain EMEA countries for all periods presented.

Reclassified to conform to the current periods presentation.

Page 22

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
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

GCB (2)
Total	$	2,932		$	2,692		$	2,630		$	2,688		$	2,572		$	2,359		$	2,428		$	2,718		$	2,674		$	2,561		$	2,508		$	2,444		$	2,132
*Ratio*	1.12		%	1.03		%	0.99		%	0.99		%	0.96		%	0.89		%	0.89		%	0.96		%	0.97		%	0.91		%	0.89		%	0.87		%	0.79		%

Retail Bank (2)
Total	$	711		$	744		$	742		$	742		$	742		$	710		$	745		$	840		$	890		$	904		$	868		$	736		$	540
Ratio	0.56		%	0.59		%	0.57		%	0.56		%	0.55		%	0.54		%	0.55		%	0.60		%	0.63		%	0.62		%	0.60		%	0.52		%	0.39		%
North America (2)	$	260		$	294		$	291		$	280		$	282		$	285		$	277		$	257		$	243		$	227		$	229		$	225		$	123
Ratio	0.66		%	0.74		%	0.72		%	0.68		%	0.68		%	0.70		%	0.66		%	0.60		%	0.55		%	0.50		%	0.49		%	0.49		%	0.26		%
Latin America	$	209		$	211		$	236		$	237		$	235		$	226		$	262		$	394		$	452		$	467		$	427		$	325		$	238
Ratio	1.06		%	1.08		%	1.12		%	1.09		%	1.00		%	0.99		%	1.18		%	1.68		%	1.96		%	1.99		%	1.87		%	1.55		%	1.14		%
Asia (3)	$	242		$	239		$	215		$	225		$	225		$	199		$	206		$	189		$	195		$	210		$	212		$	186		$	179
Ratio	0.35		%	0.35		%	0.31		%	0.32		%	0.32		%	0.29		%	0.29		%	0.26		%	0.26		%	0.27		%	0.28		%	0.25		%	0.25		%

Cards
Total	$	2,221		$	1,948		$	1,888		$	1,946		$	1,830		$	1,649		$	1,683		$	1,878		$	1,784		$	1,657		$	1,640		$	1,708		$	1,592
Ratio	1.64		%	1.44		%	1.40		%	1.40		%	1.39		%	1.25		%	1.22		%	1.31		%	1.32		%	1.21		%	1.21		%	1.23		%	1.23		%
North America - Citi-Branded	$	982		$	830		$	760		$	786		$	732		$	663		$	628		$	681		$	648		$	583		$	559		$	593		$	569
Ratio	1.35		%	1.14		%	1.05		%	1.08		%	1.06		%	0.96		%	0.91		%	0.97		%	0.97		%	0.87		%	0.84		%	0.88		%	0.90		%
North America - Retail Services	$	845		$	721		$	716		$	721		$	651		$	556		$	650		$	771		$	689		$	606		$	630		$	678		$	629
Ratio	2.30		%	1.97		%	1.96		%	1.87		%	1.84		%	1.54		%	1.51		%	1.67		%	1.63		%	1.41		%	1.47		%	1.46		%	1.48		%
Latin America	$	148		$	154		$	168		$	179		$	191		$	194		$	200		$	223		$	232		$	245		$	244		$	242		$	203
Ratio	2.47		%	2.61		%	2.67		%	2.71		%	2.69		%	2.77		%	2.82		%	3.01		%	3.22		%	3.31		%	3.34		%	3.61		%	3.33		%
Asia (3)	$	246		$	243		$	244		$	260		$	256		$	236		$	205		$	203		$	215		$	223		$	207		$	195		$	191
Ratio	1.24		%	1.23		%	1.21		%	1.25		%	1.28		%	1.21		%	1.09		%	1.05		%	1.14		%	1.14		%	1.10		%	1.05		%	1.07		%

Corporate/Other - Consumer (2) (4) (5)	$	6,020		$	5,733		$	5,338		$	4,976		$	4,054		$	3,498		$	3,228		$	2,981		$	2,932		$	2,837		$	2,341		$	2,188		$	1,801
*Ratio*	4.32		%	4.28		%	4.15		%	4.03		%	3.53		%	3.33		%	3.16		%	3.02		%	3.07		%	3.04		%	2.74		%	2.69		%	2.80		%
International	$	800		$	742		$	730		$	709		$	626		$	506		$	435		$	388		$	388		$	367		$	248		$	225		$	194
Ratio	2.72		%	2.64		%	2.63		%	2.67		%	2.51		%	2.41		%	2.05		%	1.87		%	1.93		%	1.84		%	1.61		%	1.56		%	1.90		%
North America (2) (4) (5)	$	5,220		$	4,991		$	4,608		$	4,267		$	3,428		$	2,992		$	2,793		$	2,593		$	2,544		$	2,470		$	2,093		$	1,963		$	1,607
Ratio	4.75		%	4.71		%	4.58		%	4.41		%	3.80		%	3.57		%	3.46		%	3.32		%	3.38		%	3.37		%	2.99		%	2.94		%	2.97		%

Total Citigroup (2) (4) (5)	$	8,952		$	8,425		$	7,968		$	7,664		$	6,626		$	5,857		$	5,656		$	5,699		$	5,606		$	5,398		$	4,849		$	4,632		$	3,933
Ratio	2.23		%	2.13		%	2.02		%	1.94		%	1.74		%	1.59		%	1.51		%	1.50		%	1.51		%	1.44		%	1.33		%	1.28		%	1.18		%

(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 Citi Holdings North America Mortgages 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 footnote 2 on page 9 and footnote 3 on page 18.

(3) Asia includes delinquency amounts, ratios and loans of certain EMEA countries for all periods presented.

(5) See footnote 1 on page 18.

Reclassified to conform to the current periods presentation.

Page 23

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)
	2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2015			2015			2015			2016			2016			2016			2016

GCB (2)
Total	$	2,020		$	1,981		$	2,119		$	2,022		$	1,965		$	2,166		$	2,293
*Ratio*	0.74		%	0.74		%	0.77		%	0.75		%	0.69		%	0.75		%	0.79		%

Retail Bank (2)
Total	$	567		$	529		$	523		$	498		$	515		$	579		$	474
Ratio	0.40		%	0.38		%	0.38		%	0.35		%	0.37		%	0.41		%	0.35		%
North America (2)	$	150		$	138		$	165		$	152		$	180		$	256		$	181
Ratio	0.31		%	0.28		%	0.32		%	0.29		%	0.33		%	0.47		%	0.33		%
Latin America	$	232		$	212		$	185		$	172		$	157		$	160		$	136
Ratio	1.12		%	1.09		%	0.94		%	0.87		%	0.82		%	0.86		%	0.76		%
Asia (3)	$	185		$	179		$	173		$	174		$	178		$	163		$	157
Ratio	0.26		%	0.26		%	0.25		%	0.25		%	0.26		%	0.24		%	0.25		%

Cards
Total	$	1,453		$	1,452		$	1,596		$	1,524		$	1,450		$	1,587		$	1,819
Ratio	1.10		%	1.11		%	1.17		%	1.17		%	1.01		%	1.07		%	1.17		%
North America - Citi-Branded	$	495		$	491		$	538		$	530		$	510		$	607		$	748
Ratio	0.77		%	0.76		%	0.80		%	0.82		%	0.66		%	0.75		%	0.87		%
North America - Retail Services	$	567		$	621		$	705		$	665		$	619		$	664		$	761
Ratio	1.31		%	1.44		%	1.53		%	1.56		%	1.43		%	1.51		%	1.61		%
Latin America	$	200		$	169		$	173		$	149		$	145		$	131		$	130
Ratio	3.39		%	3.13		%	3.20		%	2.81		%	2.90		%	2.67		%	2.71		%
Asia (3)	$	191		$	171		$	180		$	180		$	176		$	185		$	180
Ratio	1.06		%	1.01		%	1.02		%	1.02		%	1.00		%	1.05		%	1.03		%

Corporate/Other - Consumer (2) (4) (5)	$	1,647		$	1,528		$	927		$	896		$	878		$	857		$	834
*Ratio*	2.70		%	2.69		%	1.99		%	2.08		%	2.23		%	2.29		%	2.62		%
International	$	185		$	174		$	157		$	145		$	170		$	164		$	94
Ratio	1.97		%	2.00		%	1.91		%	2.27		%	3.09		%	2.98		%	3.92		%
North America (2) (4) (5)	$	1,462		$	1,354		$	770		$	751		$	708		$	693		$	740
Ratio	2.84		%	2.81		%	2.01		%	2.05		%	2.09		%	2.17		%	2.52		%

Total Citigroup (2) (4) (5)	$	3,667		$	3,509		$	3,046		$	2,918		$	2,843		$	3,023		$	3,127
Ratio	1.10		%	1.08		%	0.95		%	0.93		%	0.88		%	0.93		%	0.97		%

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

(3) Asia includes delinquency amounts, ratios and loans of certain EMEA countries for all periods presented.

(5) See footnote 1 on page 18.

Reclassified to conform to the current periods presentation.

Page 23

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
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

GCB (2)
Total	$	3,227		$	2,972		$	3,071		$	3,030		$	2,913		$	2,622		$	2,884		$	2,916		$	2,705		$	2,677		$	2,689		$	2,586		$	2,414
*Ratio*	1.23		%	1.14		%	1.16		%	1.11		%	1.09		%	0.99		%	1.06		%	1.03		%	0.98		%	0.95		%	0.96		%	0.92		%	0.90		%

Retail Bank (2)
Total	$	857		$	878		$	969		$	921		$	1,003		$	906		$	941		$	893		$	839		$	883		$	840		$	794		$	791
Ratio	0.67		%	0.69		%	0.74		%	0.69		%	0.74		%	0.68		%	0.70		%	0.64		%	0.59		%	0.61		%	0.58		%	0.57		%	0.57		%
North America (2)	$	183		$	215		$	230		$	223		$	226		$	217		$	209		$	205		$	177		$	203		$	213		$	212		$	203
Ratio	0.47		%	0.54		%	0.57		%	0.54		%	0.54		%	0.54		%	0.50		%	0.48		%	0.40		%	0.45		%	0.46		%	0.46		%	0.43		%
Latin America	$	227		$	215		$	293		$	236		$	303		$	250		$	338		$	294		$	258		$	266		$	239		$	235		$	229
Ratio	1.15		%	1.10		%	1.40		%	1.09		%	1.29		%	1.10		%	1.52		%	1.25		%	1.12		%	1.13		%	1.05		%	1.12		%	1.10		%
Asia (3)	$	447		$	448		$	446		$	462		$	474		$	439		$	394		$	394		$	404		$	414		$	388		$	347		$	359
Ratio	0.65		%	0.66		%	0.64		%	0.66		%	0.68		%	0.64		%	0.56		%	0.54		%	0.54		%	0.54		%	0.52		%	0.47		%	0.50		%

Cards
Total	$	2,370		$	2,094		$	2,102		$	2,109		$	1,910		$	1,716		$	1,943		$	2,023		$	1,866		$	1,794		$	1,849		$	1,792		$	1,623
Ratio	1.75		%	1.55		%	1.55		%	1.52		%	1.45		%	1.30		%	1.41		%	1.41		%	1.38		%	1.31		%	1.36		%	1.29		%	1.25		%
North America - Citi-Branded	$	887		$	744		$	744		$	771		$	679		$	588		$	650		$	661		$	599		$	540		$	566		$	568		$	497
Ratio	1.22		%	1.02		%	1.03		%	1.06		%	0.98		%	0.85		%	0.94		%	0.94		%	0.90		%	0.80		%	0.85		%	0.84		%	0.78		%
North America - Retail Services	$	995		$	852		$	823		$	789		$	685		$	615		$	798		$	830		$	725		$	683		$	729		$	748		$	673
Ratio	2.71		%	2.33		%	2.25		%	2.04		%	1.94		%	1.71		%	1.86		%	1.79		%	1.71		%	1.58		%	1.70		%	1.61		%	1.59		%
Latin America	$	135		$	151		$	165		$	179		$	188		$	194		$	211		$	237		$	252		$	270		$	276		$	220		$	204
Ratio	2.25		%	2.56		%	2.62		%	2.71		%	2.65		%	2.77		%	2.97		%	3.20		%	3.50		%	3.65		%	3.78		%	3.28		%	3.34		%
Asia (3)	$	353		$	347		$	370		$	370		$	358		$	319		$	284		$	295		$	290		$	301		$	278		$	256		$	249
Ratio	1.77		%	1.76		%	1.84		%	1.78		%	1.79		%	1.64		%	1.51		%	1.53		%	1.54		%	1.54		%	1.47		%	1.38		%	1.40		%

Corporate/Other - Consumer (2) (4) (5)	$	5,071		$	5,069		$	5,199		$	4,684		$	3,870		$	3,482		$	3,180		$	3,022		$	2,601		$	2,636		$	2,264		$	1,928		$	1,431
*Ratio*	3.64		%	3.78		%	4.05		%	3.80		%	3.37		%	3.32		%	3.12		%	3.06		%	2.73		%	2.83		%	2.65		%	2.37		%	2.23		%
International	$	997		$	908		$	882		$	849		$	749		$	586		$	520		$	498		$	498		$	462		$	286		$	265		$	234
Ratio	3.39		%	3.23		%	3.17		%	3.19		%	3.01		%	2.79		%	2.45		%	2.41		%	2.48		%	2.32		%	1.86		%	1.84		%	2.29		%
North America (2) (4) (5)	$	4,074		$	4,161		$	4,317		$	3,835		$	3,121		$	2,896		$	2,660		$	2,524		$	2,103		$	2,174		$	1,978		$	1,663		$	1,197
Ratio	3.71		%	3.93		%	4.29		%	3.96		%	3.46		%	3.45		%	3.30		%	3.24		%	2.79		%	2.97		%	2.83		%	2.49		%	2.21		%

Total Citigroup (2) (4) (5)	$	8,298		$	8,041		$	8,270		$	7,714		$	6,783		$	6,104		$	6,064		$	5,938		$	5,306		$	5,313		$	4,953		$	4,514		$	3,845
Ratio	2.06		%	2.04		%	2.10		%	1.95		%	1.78		%	1.65		%	1.62		%	1.56		%	1.43		%	1.41		%	1.35		%	1.25		%	1.15		%

(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 footnote 2 on page 9 and footnote 3 on page 18.
(3)		Asia includes delinquency amounts, ratios and loans of certain EMEA countries for all periods presented.
(4)		The December 31, 2015, March 31, 2016, June 30, 2016, September 30, 2016 and December 31, 2016 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude $11 million, $9 million, $9 million, $9 million and $7 million, respectively, of loans that are carried at fair value.
(5)		See footnote 1 on page 18.

Reclassified to conform to the current periods presentation.

Page 24

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)
	2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2015			2015			2015			2016			2016			2016			2016

GCB (2)
Total	$	2,290		$	2,427		$	2,418		$	2,360		$	2,318		$	2,553		$	2,540
*Ratio*	0.84		%	0.90		%	0.88		%	0.87		%	0.82		%	0.88		%	0.87		%

Retail Bank (2)
Total	$	746		$	764		$	739		$	793		$	735		$	722		$	726
Ratio	0.53		%	0.55		%	0.53		%	0.56		%	0.52		%	0.51		%	0.54		%
North America (2)	$	176		$	198		$	221		$	198		$	192		$	198		$	214
Ratio	0.36		%	0.40		%	0.43		%	0.38		%	0.36		%	0.37		%	0.39		%
Latin America	$	217		$	239		$	184		$	256		$	197		$	196		$	185
Ratio	1.04		%	1.23		%	0.93		%	1.29		%	1.03		%	1.05		%	1.03		%
Asia (3)	$	353		$	327		$	334		$	339		$	346		$	328		$	327
Ratio	0.49		%	0.48		%	0.49		%	0.49		%	0.51		%	0.48		%	0.52		%

Cards
Total	$	1,544		$	1,663		$	1,679		$	1,567		$	1,583		$	1,831		$	1,814
Ratio	1.17		%	1.28		%	1.23		%	1.20		%	1.10		%	1.24		%	1.17		%
North America - Citi-Branded	$	462		$	504		$	523		$	492		$	550		$	710		$	688
Ratio	0.72		%	0.78		%	0.78		%	0.76		%	0.71		%	0.87		%	0.80		%
North America - Retail Services	$	652		$	758		$	773		$	688		$	669		$	750		$	777
Ratio	1.51		%	1.76		%	1.68		%	1.62		%	1.55		%	1.71		%	1.64		%
Latin America	$	183		$	181		$	157		$	152		$	137		$	131		$	125
Ratio	3.10		%	3.35		%	2.91		%	2.87		%	2.74		%	2.67		%	2.60		%
Asia (3)	$	247		$	220		$	226		$	235		$	227		$	240		$	224
Ratio	1.36		%	1.29		%	1.28		%	1.34		%	1.29		%	1.36		%	1.28		%

Corporate/Other - Consumer (2) (4) (5)	$	1,366		$	1,423		$	1,036		$	929		$	858		$	849		$	735
*Ratio*	2.24		%	2.51		%	2.23		%	2.16		%	2.18		%	2.27		%	2.31		%
International	$	213		$	193		$	179		$	161		$	138		$	135		$	49
Ratio	2.27		%	2.22		%	2.18		%	2.52		%	2.51		%	2.45		%	2.04		%
North America (2) (4) (5)	$	1,153		$	1,230		$	857		$	768		$	720		$	714		$	686
Ratio	2.24		%	2.56		%	2.24		%	2.09		%	2.12		%	2.24		%	2.33		%

Total Citigroup (2) (4) (5)	$	3,656		$	3,850		$	3,454		$	3,289		$	3,176		$	3,402		$	3,275
Ratio	1.09		%	1.18		%	1.07		%	1.05		%	0.98		%	1.04		%	1.01		%

(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 footnote 2 on page 9 and footnote 3 on page 18.
(3)		Asia includes delinquency amounts, ratios and loans of certain EMEA countries for all periods presented.
(4)		The December 31, 2015, March 31, 2016, June 30, 2016, September 30, 2016 and December 31, 2016 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude $11 million, $9 million, $9 million, $9 million and $7 million, respectively, of loans that are carried at fair value.
(5)		See footnote 1 on page 18.

Reclassified to conform to the current periods presentation.

Page 24

ALLOWANCE FOR CREDIT LOSSES - PAGE 1

(In millions of dollars)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015			2015

Total Citigroup
Allowance for Loan Losses at Beginning of Period (1)	$	30,115		$	29,020		$	27,611		$	25,916		$	25,455		$	23,727		$	21,580		$	20,605		$	19,648		$	18,923		$	17,890		$	16,915		$	15,994		$	14,598

Gross Credit (Losses)	(4,644		)	(4,205		)	(4,516		)	(3,640		)	(3,444		)	(3,257		)	(2,974		)	(3,094		)	(2,983		)	(2,812		)	(2,586		)	(2,727		)	(2,458		)	(2,335		)
Gross Recoveries	786			714			619			655			566			649			544			547			544			623			489			479			501			415
Net Credit (Losses) / Recoveries (NCLs)	(3,858		)	(3,491		)	(3,897		)	(2,985		)	(2,878		)	(2,608		)	(2,430		)	(2,547		)	(2,439		)	(2,189		)	(2,097		)	(2,248		)	(1,957		)	(1,920		)
NCLs	3,858			3,491			3,897			2,985			2,878			2,608			2,430			2,547			2,439			2,189			2,097			2,248			1,957			1,920
Net Reserve Builds / (Releases) (2)	(214		)	(641		)	(860		)	(193		)	(306		)	(642		)	(767		)	(246		)	(560		)	(521		)	(492		)	(306		)	(91		)	(199		)
Net Specific Reserve Builds / (Releases) (2)	(935		)	(375		)	(601		)	46			(358		)	(139		)	(11		)	(390		)	(86		)	(89		)	(30		)	(61		)	(111		)	(206		)
Provision for Loan Losses	2,709			2,475			2,436			2,838			2,214			1,827			1,652			1,911			1,793			1,579			1,575			1,881			1,755			1,515
Other (3) (4) (5) (6) (7) (8) (9)	54			(393		)	(234		)	(314		)	(1,064		)	(1,366		)	(197		)	(321		)	(79		)	(423		)	(453		)	(554		)	(1,194		)	(118		)
Allowance for Loan Losses at End of Period (1) (a)	$	29,020		$	27,611		$	25,916		$	25,455		$	23,727		$	21,580		$	20,605		$	19,648		$	18,923		$	17,890		$	16,915		$	15,994		$	14,598		$	14,075

Allowance for Unfunded Lending Commitments (5) (10) (a)	$	1,097		$	1,104		$	1,063		$	1,119		$	1,132		$	1,133		$	1,262		$	1,229		$	1,202		$	1,176		$	1,140		$	1,063		$	1,023		$	973

Provision for Unfunded Lending Commitments (5)	$	(38	)	$	7		$	(41	)	$	56		$	14		$	(3	)	$	103		$	(34	)	$	(27	)	$	(31	)	$	(30	)	$	(74	)	$	(37	)	$	(48	)

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	30,117		$	28,715		$	26,979		$	26,574		$	24,859		$	22,713		$	21,867		$	20,877		$	20,125		$	19,066		$	18,055		$	17,057		$	15,621		$	15,048

Total Allowance for Loan Losses as a Percentage of Total Loans (11)	4.51		%	4.25		%	3.97		%	3.92		%	3.70		%	3.38		%	3.16		%	2.97		%	2.87		%	2.70		%	2.60		%	2.50		%	2.38		%	2.25		%

(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 fourth quarter of 2015 includes a build of $162 million related to the transfer of approximately $8 billion of mortgage loans to Loans Held-for-sale at the end of the quarter. The second and fourth quarters of 2016 include releases of $89 million and $30 million, respectively, related to sales and transfers of mortgage loans during those quarters.
(3)		Includes all adjustments to the allowance for credit losses, such as changes in the allowance from acquisitions, dispositions, securitizations, foreign currency translation (FX translation), purchase accounting adjustments, etc.
(4)		The fourth quarter of 2015 includes a reduction of approximately $1.1 billion related to the sale or transfers to HFS of various loan portfolios, including a reduction of $1.1 billion related to the transfers of a real estate loan portfolio to HFS. Additionally, the fourth quarter includes a reduction of approximately $35 million related to FX translation.
(5)		The fourth quarter of 2015 includes a reclassification of $271 million of Allowance for Loan Losses to Allowance for Unfunded Lending Commitments, included in the Other line item. This reclassification reflects the re-attribution of $271 million in Allowances for Credit Losses between the funded and unfunded portions of the corporate credit portfolios and does not reflect a change in the underlying credit performance of these portfolios. The $94 million ($87 million corporate, $7 million consumer) Provision for unfunded lending commitments during the fourth quarter of 2015 represents the allowance change during the quarter due to portfolio and economic changes in the unfunded portfolio during the quarter.
(6)		The first quarter of 2016 includes a reduction of approximately $148 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $29 million related to the transfers of a real estate loan portfolio to HFS. Additionally, the first quarter includes an increase of approximately $63 million related to FX translation.
(7)		The second quarter of 2016 includes a reduction of approximately $101 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $24 million related to the transfers of a real estate loan portfolio to HFS. Additionally, the second quarter includes a reduction of approximately $75 million related to FX translation.
(8)		The third quarter of 2016 includes a reduction of approximately $58 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $50 million related to the transfers of a real estate loan portfolio to HFS. Additionally, the third quarter includes a reduction of approximately $46 million related to FX translation.
(9)		The fourth quarter of 2016 includes a reduction of approximately $267 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $3 million related to the transfers of a real estate loan portfolio to HFS. Additionally, the fourth quarter includes a reduction of approximately $141 million related to FX translation.
(10)		Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.
(11)		December 31, 2015, March 31, 2016, June 30, 2016, September 30, 2016 and December 31, 2016, exclude $5.0 billion, $4.8 billion, $4.1 billion, $4.0 billion and $3.5 billion, respectively, of loans which are carried at fair value.

		Reclassified to conform to the current periods presentation.

Page 25

ALLOWANCE FOR CREDIT LOSSES - PAGE 1

(In millions of dollars)

																			Full			Full			Full			Full			Full
	3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year			Year
	2015			2015			2016			2016			2016			2016			2012			2013			2014			2015			2016

Total Citigroup
Allowance for Loan Losses at Beginning of Period (1)	$	14,075		$	13,626		$	12,626		$	12,712		$	12,304		$	12,439		$	30,115		$	25,455		$	19,648		$	15,994		$	12,626

Gross Credit (Losses)	(2,068		)	(2,180		)	(2,143		)	(2,048		)	(1,948		)	(2,083		)	(17,005		)	(12,769		)	(11,108		)	(9,041		)	(8,222		)
Gross Recoveries	405			418			419			432			423			387			2,774			2,306			2,135			1,739			1,661
Net Credit (Losses) / Recoveries (NCLs)	(1,663		)	(1,762		)	(1,724		)	(1,616		)	(1,525		)	(1,696		)	(14,231		)	(10,463		)	(8,973		)	(7,302		)	(6,561		)
NCLs	1,663			1,762			1,724			1,616			1,525			1,696			14,231			10,463			8,973			7,302			6,561
Net Reserve Builds / (Releases) (2)	43			386			42			(90		)	258			130			(1,908		)	(1,961		)	(1,879		)	139			340
Net Specific Reserve Builds / (Releases) (2)	(124		)	108			120			(136		)	(37		)	(99		)	(1,865		)	(898		)	(266		)	(333		)	(152		)
Provision for Loan Losses	1,582			2,256			1,886			1,390			1,746			1,727			10,458			7,604			6,828			7,108			6,749
Other (3) (4) (5) (6) (7) (8) (9)	(368		)	(1,494		)	(76		)	(182		)	(86		)	(410		)	(887		)	(2,948		)	(1,509		)	(3,174		)	(754		)
Allowance for Loan Losses at End of Period (1) (a)	$	13,626		$	12,626		$	12,712		$	12,304		$	12,439		$	12,060		$	25,455		$	19,648		$	15,994		$	12,626		$	12,060

Allowance for Unfunded Lending Commitments (5) (10) (a)	$	1,036		$	1,402		$	1,473		$	1,432		$	1,388		$	1,418		$	1,119		$	1,229		$	1,063		$	1,402		$	1,418

Provision for Unfunded Lending Commitments (5)	$	65		$	94		$	71		$	(30	)	$	(45	)	$	33		$	(16	)	$	80		$	(162	)	$	74		$	29

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	14,662		$	14,028		$	14,185		$	13,736		$	13,827		$	13,478		$	26,574		$	20,877		$	17,057		$	14,028		$	13,478

Total Allowance for Loan Losses as a Percentage of Total Loans (11)	2.21		%	2.06		%	2.07		%	1.96		%	1.97		%	1.94		%

(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 fourth quarter of 2015 includes a build of $162 million related to the transfer of approximately $8 billion of mortgage loans to Loans Held-for-sale at the end of the quarter. The second and fourth quarters of 2016 include releases of $89 million and $30 million, respectively, related to sales and transfers of mortgage loans during those quarters.
(3)		Includes all adjustments to the allowance for credit losses, such as changes in the allowance from acquisitions, dispositions, securitizations, foreign currency translation (FX translation), purchase accounting adjustments, etc.
(4)		The fourth quarter of 2015 includes a reduction of approximately $1.1 billion related to the sale or transfers to HFS of various loan portfolios, including a reduction of $1.1 billion related to the transfers of a real estate loan portfolio to HFS. Additionally, the fourth quarter includes a reduction of approximately $35 million related to FX translation.
(5)		The fourth quarter of 2015 includes a reclassification of $271 million of Allowance for Loan Losses to Allowance for Unfunded Lending Commitments, included in the Other line item. This reclassification reflects the re-attribution of $271 million in Allowances for Credit Losses between the funded and unfunded portions of the corporate credit portfolios and does not reflect a change in the underlying credit performance of these portfolios. The $94 million ($87 million corporate, $7 million consumer) Provision for unfunded lending commitments during the fourth quarter of 2015 represents the allowance change during the quarter due to portfolio and economic changes in the unfunded portfolio during the quarter.
(6)		The first quarter of 2016 includes a reduction of approximately $148 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $29 million related to the transfers of a real estate loan portfolio to HFS. Additionally, the first quarter includes an increase of approximately $63 million related to FX translation.
(7)		The second quarter of 2016 includes a reduction of approximately $101 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $24 million related to the transfers of a real estate loan portfolio to HFS. Additionally, the second quarter includes a reduction of approximately $75 million related to FX translation.
(8)		The third quarter of 2016 includes a reduction of approximately $58 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $50 million related to the transfers of a real estate loan portfolio to HFS. Additionally, the third quarter includes a reduction of approximately $46 million related to FX translation.
(9)		The fourth quarter of 2016 includes a reduction of approximately $267 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $3 million related to the transfers of a real estate loan portfolio to HFS. Additionally, the fourth quarter includes a reduction of approximately $141 million related to FX translation.
(10)		Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.
(11)		December 31, 2015, March 31, 2016, June 30, 2016, September 30, 2016 and December 31, 2016, exclude $5.0 billion, $4.8 billion, $4.1 billion, $4.0 billion and $3.5 billion, respectively, of loans which are carried at fair value.

		Reclassified to conform to the current periods presentation.

Page 25

ALLOWANCE FOR CREDIT LOSSES - PAGE 2

(In millions of dollars)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

Consumer:
Allowance for Loan Losses at Beginning of Period (1)	$	27,165		$	25,878		$	24,565		$	23,012		$	22,585		$	20,869		$	18,789		$	17,823		$	16,974		$	16,377		$	15,445		$	14,519		$	13,547

Net Credit Losses (NCLs)	(3,929		)	(3,321		)	(3,769		)	(2,940		)	(2,828		)	(2,558		)	(2,330		)	(2,531		)	(2,294		)	(2,177		)	(2,108		)	(2,100		)	(1,965		)
NCLs	3,929			3,321			3,769			2,940			2,828			2,558			2,330			2,531			2,294			2,177			2,108			2,100			1,965
Net Reserve Builds / (Releases) (2)	(379		)	(558		)	(863		)	(124		)	(272		)	(542		)	(786		)	(159		)	(460		)	(495		)	(378		)	(401		)	(203		)
Net Specific Reserve Builds / (Releases) (2)	(931		)	(384		)	(426		)	14			(400		)	(169		)	34			(362		)	(76		)	(14		)	(117		)	(39		)	(114		)
Provision for Loan Losses	2,619			2,379			2,480			2,830			2,156			1,847			1,578			2,010			1,758			1,668			1,613			1,660			1,648
Other (3) (4) (5) (6) (7) (8)	23			(371		)	(264		)	(317		)	(1,044		)	(1,369		)	(214		)	(328		)	(61		)	(423		)	(431		)	(532		)	(1,178		)
Allowance for Loan Losses at End of Period (1) (a)	$	25,878		$	24,565		$	23,012		$	22,585		$	20,869		$	18,789		$	17,823		$	16,974		$	16,377		$	15,445		$	14,519		$	13,547		$	12,052

Consumer Allowance for Unfunded Lending Commitments (9) (a)	$			$			$			$			$	12		$	23		$	63		$	61		$	58		$	59		$	51		$	33		$	30

Provision for Unfunded Lending Commitments	$			$			$			$			$	12		$	11		$	40		$	(2	)	$	(3	)	$	1		$	(8	)	$	(18	)	$	(3	)

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	25,878		$	24,565		$	23,012		$	22,585		$	20,881		$	18,812		$	17,886		$	17,035		$	16,435		$	15,504		$	14,570		$	13,580		$	12,082

Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans (10)	6.28		%	6.06		%	5.70		%	5.58		%	5.34		%	4.97		%	4.65		%	4.36		%	4.31		%	4.06		%	3.90		%	3.71		%	3.57		%

Corporate
Allowance for Loan Losses at Beginning of Period (1)	$	2,950		$	3,142		$	3,046		$	2,904		$	2,870		$	2,858		$	2,791		$	2,782		$	2,674		$	2,546		$	2,445		$	2,396		$	2,447

Net Credit (Losses) / Recoveries (NCLs)	71			(170		)	(128		)	(45		)	(50		)	(50		)	(100		)	(16		)	(145		)	(12		)	11			(148		)	8
NCLs	(71		)	170			128			45			50			50			100			16			145			12			(11		)	148			(8		)
Net Reserve Builds / (Releases)	165			(83		)	3			(69		)	(34		)	(100		)	19			(87		)	(100		)	(26		)	(114		)	95			112
Net Specific Reserve Builds / (Releases)	(4		)	9			(175		)	32			42			30			(45		)	(28		)	(10		)	(75		)	87			(22		)	3
Provision for Loan Losses	90			96			(44		)	8			58			(20		)	74			(99		)	35			(89		)	(38		)	221			107
Other (3) (11)	31			(22		)	30			3			(20		)	3			17			7			(18		)				(22		)	(22		)	(16		)
Allowance for Loan Losses at End of Period (1) (b)	$	3,142		$	3,046		$	2,904		$	2,870		$	2,858		$	2,791		$	2,782		$	2,674		$	2,546		$	2,445		$	2,396		$	2,447		$	2,546

Corporate Allowance for Unfunded Lending Commitments (9) (11) (b)	$	1,097		$	1,104		$	1,063		$	1,119		$	1,120		$	1,110		$	1,199		$	1,168		$	1,144		$	1,117		$	1,089		$	1,030		$	993

Provision for Unfunded Lending Commitments (11)	$	(38	)	$	7		$	(41	)	$	56		$	2		$	(14	)	$	63		$	(32	)	$	(24	)	$	(32	)	$	(22	)	$	(56	)	$	(34	)

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (b)]	$	4,239		$	4,150		$	3,967		$	3,989		$	3,978		$	3,901		$	3,981		$	3,842		$	3,690		$	3,562		$	3,485		$	3,477		$	3,539

Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans (12)	1.36		%	1.25		%	1.16		%	1.17		%	1.14		%	1.07		%	1.03		%	0.99		%	0.91		%	0.87		%	0.86		%	0.90		%	0.92		%

Footnotes to these tables are on the following page (page 27).

Page 26

ALLOWANCE FOR CREDIT LOSSES - PAGE 2

(In millions of dollars)

																						Full			Full			Full			Full
	2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2015			2015			2015			2016			2016			2016			2016			2012			2013			2014			2015

Consumer:
Allowance for Loan Losses at Beginning of Period (1)	$	12,052		$	11,669		$	11,030		$	9,835		$	9,807		$	9,432		$	9,673		$	27,165		$	22,585		$	16,974		$	13,547

Net Credit Losses (NCLs)	(1,813		)	(1,612		)	(1,668		)	(1,514		)	(1,475		)	(1,483		)	(1,576		)	(13,959		)	(10,247		)	(8,679		)	(7,058		)
NCLs	1,813			1,612			1,668			1,514			1,475			1,483			1,576			13,959			10,247			8,679			7,058
Net Reserve Builds / (Releases) (2)	(167		)	(73		)	32			38			(74		)	368			93			(1,924		)	(1,759		)	(1,734		)	(411		)
Net Specific Reserve Builds / (Releases) (2)	(87		)	(202		)	(16		)	19			(125		)	(36		)	(10		)	(1,727		)	(897		)	(246		)	(419		)
Provision for Loan Losses	1,559			1,337			1,684			1,571			1,276			1,815			1,659			10,308			7,591			6,699			6,228
Other (3) (4) (5) (6) (7) (8)	(129		)	(364		)	(1,211		)	(85		)	(176		)	(91		)	(398		)	(929		)	(2,955		)	(1,447		)	(2,882		)
Allowance for Loan Losses at End of Period (1) (a)	$	11,669		$	11,030		$	9,835		$	9,807		$	9,432		$	9,673		$	9,358		$	22,585		$	16,974		$	13,547		$	9,835

Consumer Allowance for Unfunded Lending Commitments (9) (a)	$	29		$	28		$	35		$	37		$	42		$	39		$	35		$			$	61		$	33		$	35

Provision for Unfunded Lending Commitments	$	(1	)	$	(1	)	$	7		$	1		$	4		$	(4	)	$	(3	)	$			$	61		$	(28	)	$	2

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	11,698		$	11,058		$	9,870		$	9,844		$	9,474		$	9,712		$	9,393		$	22,585		$	17,035		$	13,580		$	9,870

Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans (10)	3.45		%	3.35		%	3.02		%	3.09		%	2.89		%	2.95		%	2.88		%

Corporate
Allowance for Loan Losses at Beginning of Period (1)	$	2,546		$	2,406		$	2,596		$	2,791		$	2,905		$	2,872		$	2,766		$	2,950		$	2,870		$	2,674		$	2,447

Net Credit (Losses) / Recoveries (NCLs)	(107		)	(51		)	(94		)	(210		)	(141		)	(42		)	(120		)	(272		)	(216		)	(294		)	(244		)
NCLs	107			51			94			210			141			42			120			272			216			294			244
Net Reserve Builds / (Releases)	(32		)	116			354			4			(16		)	(110		)	37			16			(202		)	(145		)	550
Net Specific Reserve Builds / (Releases)	(119		)	78			124			101			(11		)	(1		)	(89		)	(138		)	(1		)	(20		)	86
Provision for Loan Losses	(44		)	245			572			315			114			(69		)	68			150			13			129			880
Other (3) (11)	11			(4		)	(283		)	9			(6		)	5			(12		)	42			7			(62		)	(292		)
Allowance for Loan Losses at End of Period (1) (b)	$	2,406		$	2,596		$	2,791		$	2,905		$	2,872		$	2,766		$	2,702		$	2,870		$	2,674		$	2,447		$	2,791

Corporate Allowance for Unfunded Lending Commitments (9) (11) (b)	$	944		$	1,008		$	1,367		$	1,436		$	1,390		$	1,349		$	1,383		$	1,119		$	1,168		$	1,030		$	1,367

Provision for Unfunded Lending Commitments (11)	$	(47	)	$	66		$	87		$	70		$	(34	)	$	(41	)	$	36		$	(16	)	$	19		$	(134	)	$	72

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (b)]	$	3,350		$	3,604		$	4,158		$	4,341		$	4,262		$	4,115		$	4,085		$	3,989		$	3,842		$	3,477		$	4,158

Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans (12)	0.84		%	0.90		%	0.97		%	0.98		%	0.95		%	0.90		%	0.91		%

Footnotes to these tables are on the following page (page 27).

Page 26

ALLOWANCE FOR CREDIT LOSSES - PAGE 2

(In millions of dollars)

	Full
	Year
	2016

Consumer:
Allowance for Loan Losses at Beginning of Period (1)	$	9,835

Net Credit Losses (NCLs)	(6,048		)
NCLs	6,048
Net Reserve Builds / (Releases) (2)	425
Net Specific Reserve Builds / (Releases) (2)	(152		)
Provision for Loan Losses	6,321
Other (3) (4) (5) (6) (7) (8)	(750		)
Allowance for Loan Losses at End of Period (1) (a)	$	9,358

Consumer Allowance for Unfunded Lending Commitments (9) (a)	$	35

Provision for Unfunded Lending Commitments	$	(2	)

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	9,393

Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans (10)

Corporate
Allowance for Loan Losses at Beginning of Period (1)	$	2,791

Net Credit (Losses) / Recoveries (NCLs)	(513		)
NCLs	513
Net Reserve Builds / (Releases)	(85		)
Net Specific Reserve Builds / (Releases)
Provision for Loan Losses	428
Other (3) (11)	(4		)
Allowance for Loan Losses at End of Period (1) (b)	$	2,702

Corporate Allowance for Unfunded Lending Commitments (9) (11) (b)	$	1,383

Provision for Unfunded Lending Commitments (11)	$	31

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (b)]	$	4,085

Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans (12)

Footnotes to these tables are on the following page (page 27).

Page 26

ALLOWANCE FOR CREDIT LOSSES - PAGE 3

The following footnotes relate to the tables on the prior page (page 26).

(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 fourth quarter of 2015 includes a build of $162 million related to the transfer of approximately $8 billion of mortgage loans to Loans Held-for-sale at the end of the quarter. The second and fourth quarters of 2016 include releases of $89 million and $30 million, respectively, related to sales and transfers of mortgage loans during those quarters.
(3)		Includes all adjustments to the allowance for credit losses, such as changes in the allowance from acquisitions, dispositions, securitizations, foreign currency translation (FX translation), purchase accounting adjustments, etc.
(4)		The fourth quarter of 2015 includes a reduction of approximately $1.1 billion related to the sale or transfers to HFS of various loan portfolios, including a reduction of $1.1 billion related to the transfers of a real estate loan portfolio to HFS. Additionally, the fourth quarter includes a reduction of approximately $35 million related to FX translation.
(5)		The first quarter of 2016 includes a reduction of approximately $148 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $29 million related to the transfers of a real estate loan portfolio to HFS. Additionally, the first quarter includes an increase of approximately $63 million related to FX translation.
(6)		The second quarter of 2016 includes a reduction of approximately $101 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $24 million related to the transfers of a real estate loan portfolio to HFS. Additionally, the second quarter includes a reduction of approximately $75 million related to FX translation.
(7)		The third quarter of 2016 includes a reduction of approximately $58 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $50 million related to the transfers of a real estate loan portfolio to HFS. Additionally, the third quarter includes a reduction of approximately $46 million related to FX translation.
(8)		The fourth quarter of 2016 includes a reduction of approximately $267 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $3 million related to the transfers of a real estate loan portfolio to HFS. Additionally, the fourth quarter includes a reduction of approximately $141 million related to FX translation.
(9)		Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.
(10)		December 31, 2015, March 31, 2016, June 30, 2016, September 30, 2016 and December 31, 2016 exclude $34 million, $33 million, $32 million, $31 million and $29 million, respectively, of loans which are carried at fair value.
(11)		The fourth quarter of 2015 includes a reclassification of $271 million of Allowance for Loan Losses to Allowance for Unfunded Lending Commitments, included in the Other line item. This reclassification reflects the re-attribution of $271 million in Allowances for Credit Losses between the funded and unfunded portions of the corporate credit portfolios and does not reflect a change in the underlying credit performance of these portfolios. The $94 million ($87 million corporate, $7 million consumer) Provision for unfunded lending commitments during the fourth quarter of 2015 represents the allowance change during the quarter due to portfolio and economic changes in the unfunded portfolio during the quarter.
(12)		December 31, 2015, March 31, 2016, June 30, 2016, September 30, 2016 and December 31, 2016 exclude $5.0 billion, $4.8 billion, $4.1 billion, $3.9 billion and $3.5 billion, respectively, of loans which are carried at fair value.

Reclassified to conform to the current periods presentation.

Page 27

COMPONENTS OF PROVISION FOR LOAN LOSSES

(In millions of dollars)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014			2015

Global Consumer Banking
Net Credit Losses	2,037			1,882			1,786			1,767			1,749			1,660			1,570			1,623			1,644			1,651			1,596			1,625			1,490
Credit Reserve Build / (Release)	(807		)	(770		)	(513		)	(179		)	(352		)	(244		)	(87		)	(13		)	(219		)	(304		)	(351		)	(249		)	(150		)
North America
Net Credit Losses	1,629			1,509			1,351			1,266			1,257			1,189			1,084			1,108			1,102			1,073			1,018			1,013			961
Credit Reserve Build / (Release)	(842		)	(813		)	(518		)	(216		)	(371		)	(351		)	(228		)	(88		)	(270		)	(398		)	(340		)	(233		)	(100		)
Retail Banking
Net Credit Losses	62			60			72			52			57			43			39			49			34			38			35			36			36
Credit Reserve Build / (Release)	(3		)	(4		)	38			44			(10		)	(2		)	9			(21		)	(3		)	(29		)	(10		)	28			18
Citi-Branded Cards
Net Credit Losses	902			840			745			700			692			665			610			588			587			570			526			514			492
Credit Reserve Build / (Release)	(549		)	(405		)	(403		)	(240		)	(128		)	(176		)	(156		)	(76		)	(188		)	(223		)	(212		)	(220		)	(119		)
Citi Retail Services
Net Credit Losses	665			609			534			514			508			481			435			471			481			465			457			463			433
Credit Reserve Build / (Release)	(290		)	(404		)	(153		)	(20		)	(233		)	(173		)	(81		)	9			(79		)	(146		)	(118		)	(41		)	1
Latin America
Net Credit Losses	212			195			227			276			289			299			295			319			346			366			380			423			356
Credit Reserve Build / (Release)	59			74			27			11			19			86			161			54			45			106			9			(32		)	(8		)
Retail Banking
Net Credit Losses	94			82			100			139			137			144			140			151			155			160			164			220			150
Credit Reserve Build / (Release)	59			67			23			3			(3		)	74			117			26			10			17			9			(36		)
Citi-Branded Cards
Net Credit Losses	118			113			127			137			152			155			155			168			191			206			216			203			206
Credit Reserve Build / (Release)				7			4			8			22			12			44			28			35			89						4			(8		)
Asia (1)
Net Credit Losses	196			178			208			225			203			172			191			196			196			212			198			189			173
Credit Reserve Build / (Release)	(24		)	(31		)	(22		)	26						21			(20		)	21			6			(12		)	(20		)	16			(42		)
Retail Banking
Net Credit Losses	62			55			68			85			57			55			70			79			82			83			77			76			70
Credit Reserve Build / (Release)	(12		)	(8		)	(28		)	(1		)	(2		)	40			(4		)	15			11			(6		)	(11		)	1			(21		)
Citi-Branded Cards
Net Credit Losses	134			123			140			140			146			117			121			117			114			129			121			113			103
Credit Reserve Build / (Release)	(12		)	(23		)	6			27			2			(19		)	(16		)	6			(5		)	(6		)	(9		)	15			(21		)
Institutional Clients Group (ICG)
Net Credit Losses	(54		)	128			146			79			41			56			69			28			132			9			16			118			(1		)
Credit Reserve Build / (Release)	169			(19		)	(147		)	(33		)	20			(66		)	(18		)	(97		)	(86		)	(96		)	(23		)	103			119

Corporate / Other
Net Credit Losses	1,875			1,481			1,965			1,139			1,088			892			791			896			663			529			485			505			468
Credit Reserve Build / (Release)	(511		)	(227		)	(801		)	65			(332		)	(471		)	(673		)	(526		)	(341		)	(210		)	(148		)	(221		)	(171		)

Total Provision for Loan Losses	$	2,709		$	2,475		$	2,436		$	2,838		$	2,214		$	1,827		$	1,652		$	1,911		$	1,793		$	1,579		$	1,575		$	1,881		$	1,755

(1) Asia GCB includes NCLs and credit reserve builds (releases) for certain EMEA countries for all periods presented.

Reclassified to conform to the current periods presentation.

Page 28

COMPONENTS OF PROVISION FOR LOAN LOSSES

(In millions of dollars)

																						Full			Full			Full			Full
	2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2015			2015			2015			2016			2016			2016			2016			2012			2013			2014			2015

Global Consumer Banking
Net Credit Losses	1,504			1,353			1,405			1,371			1,374			1,349			1,516			7,472			6,602			6,516			5,752
Credit Reserve Build / (Release)	(98		)	(102		)	(45		)	85			23			436			164			(2,269		)	(696		)	(1,123		)	(395		)
North America
Net Credit Losses	999			877			914			933			954			927			1,105			5,755			4,638			4,206			3,751
Credit Reserve Build / (Release)	(109		)	(60		)	(70		)	79			49			408			117			(2,389		)	(1,038		)	(1,241		)	(339		)
Retail Banking
Net Credit Losses	39			33			42			25			45			52			83			246			188			143			150
Credit Reserve Build / (Release)	(6		)	33			6			63			(12		)	(40		)	(22		)	75			(24		)	(14		)	51
Citi-Branded Cards
Net Credit Losses	503			443			454			455			467			448			539			3,187			2,555			2,197			1,892
Credit Reserve Build / (Release)	(74		)	(105		)	(85		)	(15		)	58			263			78			(1,597		)	(536		)	(843		)	(383		)
Citi Retail Services
Net Credit Losses	457			401			418			453			442			427			483			2,322			1,895			1,866			1,709
Credit Reserve Build / (Release)	(29		)	12			9			31			3			185			61			(867		)	(478		)	(384		)	(7		)
Latin America
Net Credit Losses	316			301			307			278			260			254			248			910			1,202			1,515			1,280
Credit Reserve Build / (Release)	19			19			3			17			(2		)	32			36			171			320			128			33
Retail Banking
Net Credit Losses	142			138			159			134			137			132			138			415			572			699			589
Credit Reserve Build / (Release)	17			13			12			16			(3		)	47			31			152			214						42
Citi-Branded Cards
Net Credit Losses	174			163			148			144			123			122			110			495			630			816			691
Credit Reserve Build / (Release)	2			6			(9		)	1			1			(15		)	5			19			106			128			(9		)
Asia (1)
Net Credit Losses	189			175			184			160			160			168			163			807			762			795			721
Credit Reserve Build / (Release)	(8		)	(61		)	22			(11		)	(24		)	(4		)	11			(51		)	22			(10		)	(89		)
Retail Banking
Net Credit Losses	80			75			94			62			61			73			65			270			261			318			319
Credit Reserve Build / (Release)	(3		)	(34		)	26			3			(21		)				12			(49		)	49			(5		)	(32		)
Citi-Branded Cards
Net Credit Losses	109			100			90			98			99			95			98			537			501			477			402
Credit Reserve Build / (Release)	(5		)	(27		)	(4		)	(14		)	(3		)	(4		)	(1		)	(2		)	(27		)	(5		)	(57		)
Institutional Clients Group (ICG)
Net Credit Losses	82			37			96			211			141			45			119			299			194			275			214
Credit Reserve Build / (Release)	(123		)	193			465			108			(26		)	(93		)	(53		)	(30		)	(161		)	(102		)	654

Corporate / Other
Net Credit Losses	334			273			261			142			101			131			61			6,460			3,667			2,182			1,336
Credit Reserve Build / (Release)	(184		)	(172		)	74			(31		)	(223		)	(122		)	(80		)	(1,474		)	(2,002		)	(920		)	(453		)

Total Provision for Loan Losses	$	1,515		$	1,582		$	2,256		$	1,886		$	1,390		$	1,746		$	1,727		$	10,458		$	7,604		$	6,828		$	7,108

(1) Asia GCB includes NCLs and credit reserve builds (releases) for certain EMEA countries for all periods presented.

Reclassified to conform to the current periods presentation.

Page 28

COMPONENTS OF PROVISION FOR LOAN LOSSES

(In millions of dollars)

	Full
	Year
	2016

Global Consumer Banking
Net Credit Losses	5,610
Credit Reserve Build / (Release)	708
North America
Net Credit Losses	3,919
Credit Reserve Build / (Release)	653
Retail Banking
Net Credit Losses	205
Credit Reserve Build / (Release)	(11		)
Citi-Branded Cards
Net Credit Losses	1,909
Credit Reserve Build / (Release)	384
Citi Retail Services
Net Credit Losses	1,805
Credit Reserve Build / (Release)	280
Latin America
Net Credit Losses	1,040
Credit Reserve Build / (Release)	83
Retail Banking
Net Credit Losses	541
Credit Reserve Build / (Release)	91
Citi-Branded Cards
Net Credit Losses	499
Credit Reserve Build / (Release)	(8		)
Asia (1)
Net Credit Losses	651
Credit Reserve Build / (Release)	(28		)
Retail Banking
Net Credit Losses	261
Credit Reserve Build / (Release)	(6		)
Citi-Branded Cards
Net Credit Losses	390
Credit Reserve Build / (Release)	(22		)
Institutional Clients Group (ICG)
Net Credit Losses	516
Credit Reserve Build / (Release)	(64		)

Corporate / Other
Net Credit Losses	435
Credit Reserve Build / (Release)	(456		)

Total Provision for Loan Losses	$	6,749

(1) Asia GCB includes NCLs and credit reserve builds (releases) for certain EMEA countries for all periods presented.

Reclassified to conform to the current periods presentation.

Page 28

NON-ACCRUAL ASSETS

(In millions of dollars)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2012			2012			2012			2012			2013			2013			2013			2013			2014			2014			2014			2014
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region
North America	$	1,105		$	729		$	900		$	735		$	1,062		$	812		$	807		$	735		$	690		$	368		$	385		$	321
EMEA	1,171			1,219			1,111			1,195			1,080			1,037			1,029			812			498			394			324			285
Latin America	270			214			160			125			123			103			133			132			186			288			480			417
Asia	499			469			330			339			304			269			272			279			283			199			182			179
Total	$	3,045		$	2,631		$	2,501		$	2,394		$	2,569		$	2,221		$	2,241		$	1,958		$	1,657		$	1,249		$	1,371		$	1,202

Consumer Non-Accrual Loans By Region (2) (3) (4)
North America	$	6,700		$	6,403		$	7,700		$	7,150		$	6,189		$	5,596		$	5,344		$	5,239		$	5,084		$	4,916		$	4,548		$	4,411
Latin America	1,171			1,153			1,265			1,288			1,306			1,418			1,391			1,420			1,466			1,386			1,365			1,188
Asia (5)	806			730			724			698			607			498			442			386			386			383			338			306
Total	$	8,677		$	8,286		$	9,689		$	9,136		$	8,102		$	7,512		$	7,177		$	7,045		$	6,936		$	6,685		$	6,251		$	5,905

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

Institutional Clients Group	$	7		$	12		$	9		$	7		$	2		$	4		$	3		$	13		$	25		$	23		$	20		$	31
Global Consumer Banking	18			18			21			27			29			30			36			38			46			52			46			43
Corporate/Other	555			512			444			407			380			358			364			365			338			326			317			186
TOTAL OTHER REAL ESTATE OWNED (OREO) (6)	$	580		$	542		$	474		$	441		$	411		$	392		$	403		$	416		$	409		$	401		$	383		$	260

OREO By Region:
North America	$	386		$	361		$	309		$	299		$	284		$	267		$	294		$	304		$	304		$	293		$	304		$	196
EMEA	139			127			110			99			85			77			62			59			50			44			18			7
Latin America	48			48			48			41			40			46			39			47			50			49			49			47
Asia	7			6			7			2			2			2			8			6			5			15			12			10
Total	$	580		$	542		$	474		$	441		$	411		$	392		$	403		$	416		$	409		$	401		$	383		$	260

Other Repossessed Assets	$	1		$	2		$	1		$	1		$	1		$			$			$			$			$			$			$

Non-Accrual Assets (NAA) (7)
Corporate Non-Accrual Loans	$	3,045		$	2,631		$	2,501		$	2,394		$	2,569		$	2,221		$	2,241		$	1,958		$	1,657		$	1,249		$	1,371		$	1,202
Consumer Non-Accrual Loans	8,677			8,286			9,689			9,136			8,102			7,512			7,177			7,045			6,936			6,685			6,251			5,905
Non-Accrual Loans (NAL)	11,722			10,917			12,190			11,530			10,671			9,733			9,418			9,003			8,593			7,934			7,622			7,107
OREO	580			542			474			441			411			392			403			416			409			401			383			260
Other Repossessed Assets	1			2			1			1			1
Non-Accrual Assets (NAA)	$	12,303		$	11,461		$	12,665		$	11,972		$	11,083		$	10,125		$	9,821		$	9,419		$	9,002		$	8,335		$	8,005		$	7,367

NAL as a % of Total Loans	1.81		%	1.67		%	1.85		%	1.76		%	1.65		%	1.51		%	1.43		%	1.35		%	1.29		%	1.19		%	1.17		%	1.10		%
NAA as a % of Total Assets	0.63		%	0.60		%	0.66		%	0.64		%	0.59		%	0.54		%	0.52		%	0.50		%	0.48		%	0.44		%	0.43		%	0.40		%

Allowance for Loan Losses as a % of NAL	248		%	253		%	213		%	221		%	222		%	222		%	219		%	218		%	220		%	225		%	222		%	225		%

(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) The fourth quarter of 2016 reflects the transfers of non accrual loans to HFS resulting from the agreements to sell the Brazil and Argentina consumer banking businesses.

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

(4) The fourth quarter of 2015 decline includes the impact related to the transfer of approximately $8 billion of mortgage loans to Loans, held-for-sale (HFS) (included within Other assets on the GAAP balance sheet).

(5) Asia GCB includes balances for certain EMEA countries for all periods presented.

(6) Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral. Also includes former premises and property for use that is no longer contemplated.

(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.

Page 29

NON-ACCRUAL ASSETS

(In millions of dollars)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2015			2015			2015			2015			2016			2016			2016			2016
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region
North America	$	347		$	467		$	833		$	818		$	1,331		$	1,280		$	1,057		$	984
EMEA	305			385			386			347			469			762			857			904
Latin America	379			226			230			303			410			267			380			379
Asia	151			145			129			128			117			151			121			154
Total	$	1,182		$	1,223		$	1,578		$	1,596		$	2,327		$	2,460		$	2,415		$	2,421

Consumer Non-Accrual Loans By Region (2) (3) (4)
North America	$	4,184		$	3,928		$	3,622		$	2,515		$	2,519		$	2,520		$	2,429		$	2,160
Latin America	1,084			1,032			935			874			817			884			841			711
Asia (5)	304			301			272			269			265			301			282			287
Total	$	5,572		$	5,261		$	4,829		$	3,658		$	3,601		$	3,705		$	3,552		$	3,158

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

Institutional Clients Group	$	28		$	23		$	35		$	32		$	29		$	13		$	12		$	14
Global Consumer Banking	53			55			44			34			41			38			41			34
Corporate/Other	193			168			148			143			135			124			108			138
TOTAL OTHER REAL ESTATE OWNED (OREO) (6)	$	274		$	246		$	227		$	209		$	205		$	175		$	161		$	186

OREO By Region:
North America	$	220		$	190		$	177		$	166		$	159		$	151		$	132		$	161
EMEA	1			1			1			1			1						1
Latin America	48			50			44			38			35			19			18			18
Asia	5			5			5			4			10			5			10			7
Total	$	274		$	246		$	227		$	209		$	205		$	175		$	161		$	186

Other Repossessed Assets	$			$			$			$			$			$			$			$

Non-Accrual Assets (NAA) (7)
Corporate Non-Accrual Loans	$	1,182		$	1,223		$	1,578		$	1,596		$	2,327		$	2,460		$	2,415		$	2,421
Consumer Non-Accrual Loans	5,572			5,261			4,829			3,658			3,601			3,705			3,552			3,158
Non-Accrual Loans (NAL)	6,754			6,484			6,407			5,254			5,928			6,165			5,967			5,579
OREO	274			246			227			209			205			175			161			186
Other Repossessed Assets
Non-Accrual Assets (NAA)	$	7,028		$	6,730		$	6,634		$	5,463		$	6,133		$	6,340		$	6,128		$	5,765

NAL as a % of Total Loans	1.09		%	1.03		%	1.03		%	0.85		%	0.96		%	0.97		%	0.93		%	0.89		%
NAA as a % of Total Assets	0.38		%	0.37		%	0.37		%	0.32		%	0.34		%	0.35		%	0.34		%	0.32		%

Allowance for Loan Losses as a % of NAL	216		%	217		%	213		%	240		%	214		%	200		%	208		%	216		%

(2) The fourth quarter of 2016 reflects the transfers of non accrual loans to HFS resulting from the agreements to sell the Brazil and Argentina consumer banking businesses.

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

(5) Asia GCB includes balances for certain EMEA countries for all periods presented.

(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.

Page 29

CITIGROUP

REGULATORY CAPITAL RATIOS, TANGIBLE COMMON EQUITY AND TANGIBLE BOOK VALUE PER SHARE

(In millions of dollars, except per share amounts and ratios)

	March 31,		June 30,		September 30,		December 31,			March 31,			June 30,			September 30,			December 31,			March 31,			June 30,
	2012		2012		2012		2012			2013			2013			2013			2013			2014			2014
Common Equity Tier 1 Capital Ratio and Components

Citigroup Common Stockholders Equity(1)							$	186,155		$	189,854		$	191,311		$	195,316		$	197,347		$	201,003		$	202,165
Add: Qualifying noncontrolling interests							171			164			161			172			182			177			183
Regulatory Capital Adjustments and Deductions:
Less:
Accumulated net unrealized losses on cash flow hedges, net of tax(2)							(2,293		)	(2,168		)	(1,671		)	(1,341		)	(1,245		)	(1,127		)	(1,007		)
Cumulative unrealized net gain (loss) related to changes in fair value of financial liabilities attributable to own creditworthiness, net of tax(3)							587			361			524			339			177			170			116
Intangible Assets:
Goodwill, net of related deferred tax liabilities (DTLs)(4)							25,488			25,206			24,553			24,721			24,518			24,314			24,465
Identifiable intangible assets other than mortgage servicing rights (MSRs), net of related DTLs	[1Q12 - 3Q12 - Not Presented]						5,632			5,329			5,057			4,966			4,950			4,692			4,506
Defined benefit pension plan net assets							732			498			876			954			1,125			1,178			1,066
Deferred tax assets (DTAs) arising from net operating loss, foreign tax credit and general business credit carry-forwards							29,100			28,000			27,945			28,003			26,438			26,489			25,139
Excess over 10% / 15% limitations for other DTAs, certain common stock investments and MSRs(5)							21,940			21,834			17,193			16,525			16,217			13,779			12,725
Common Equity Tier 1 Capital (CET1)							$	105,140		$	110,958		$	116,995		$	121,321		$	125,349		$	131,685		$	135,338
Risk-Weighted Assets (RWA)							$	1,205,820		$	1,191,233		$	1,167,399		$	1,158,722		$	1,185,443		$	1,260,133		$	1,280,845
Common Equity Tier 1 Capital Ratio (CET1/RWA)							8.72		%	9.31		%	10.02		%	10.47		%	10.57		%	10.45		%	10.57		%

Supplementary Leverage Ratio

Common Equity Tier 1 Capital (CET1)													$	116,995		$	121,321		$	125,349		$	131,685		$	135,338
Additional Tier 1 Capital (AT1)(6)	[1Q12 - 1Q13 - Not Presented]												5,434			6,362			7,815			8,279			10,012
Total Tier 1 Capital (T1C) (CET1 + AT1)													$	122,429		$	127,683		$	133,164		$	139,964		$	145,350
Total Leverage Exposure (TLE)													$	2,410,941		$	2,432,254		$	2,456,105		$	2,454,621		$	2,498,061
Supplementary Leverage Ratio (T1C/TLE)													5.08		%	5.25		%	5.42		%	5.70		%	5.82		%

Tangible Common Equity and Tangible Book Value Per Share

Common Equity	$	181,198	$	183,258	$	186,150	$	186,155		$	189,855		$	191,272		$	195,256		$	197,254		$	200,898		$	202,048
Less:
Goodwill	25,810		25,483		25,915		25,673			25,474			24,896			25,098			25,009			25,008			25,087
Intangible assets (other than MSRs)	6,413		6,156		5,963		5,697			5,457			4,981			4,888			5,056			4,891			4,702
Goodwill and intangible assets (other than MSRs) related to assets held-for-sale					37		32			2			267			267									116
Net Deferred Taxes - Related to Goodwill and Intangible Assets Above	41		38		35		32
Tangible Common Equity (TCE)	$	148,934	$	151,581	$	154,200	$	154,721		$	158,922		$	161,128		$	165,003		$	167,189		$	170,999		$	172,143
Common Shares Outstanding (CSO)	2,932.2		2,932.5		2,932.5		3,028.9			3,042.9			3,041.0			3,033.0			3,029.2			3,037.8			3,031.8
Tangible Book Value Per Share (TCE/CSO)	$	50.79	$	51.69	$	52.58	$	51.08		$	52.23		$	52.99		$	54.40		$	55.19		$	56.29		$	56.78

(1) Excludes issuance costs related to outstanding preferred stock in accordance with Federal Reserve Board regulatory reporting requirements.

(2) Common Equity Tier 1 Capital is adjusted for accumulated net unrealized gains (losses) on cash flow hedges included in accumulated other comprehensive income that relate to the hedging of items not recognized at fair value on the balance sheet.

(3) The cumulative impact of changes in Citigroups own creditworthiness in valuing liabilities for which the fair value option has been elected and own-credit valuation adjustments on derivatives are excluded from Common Equity Tier 1 Capital, in accordance with the U.S. Basel III rules.

(4) Includes goodwill embedded in the valuation of significant common stock investments in unconsolidated financial institutions.

(5) Assets subject to 10%/15% limitations include MSRs, DTAs arising from temporary differences and significant common stock investments in unconsolidated financial institutions. Commencing with March 31, 2015 and for the quarterly reporting periods thereafter, the deduction related only to DTAs arising from temporary differences that exceeded the 10% limitation, while at December 31, 2014 and prior, this deduction related to all three assets which exceeded the 10% and 15% limitations.

(6) Additional Tier 1 Capital primarily includes qualifying noncumulative perpetual preferred stock and qualifying trust preferred securities.

Reclassified to conform to the current periods presentation.

Page 30

CITIGROUP

REGULATORY CAPITAL RATIOS, TANGIBLE COMMON EQUITY AND TANGIBLE BOOK VALUE PER SHARE

(In millions of dollars, except per share amounts and ratios)

	September 30,			December 31,			March 31,			June 30,			September 30,			December 31,			March 31,			June 30,			September 30,
	2014			2014			2015			2015			2015			2015			2016			2016			2016
Common Equity Tier 1 Capital Ratio and Components

Citigroup Common Stockholders Equity(1)	$	203,077		$	199,841		$	202,782		$	205,610		$	205,772		$	205,286		$	209,947		$	212,819		$	212,506
Add: Qualifying noncontrolling interests	172			165			146			146			147			145			143			134			140
Regulatory Capital Adjustments and Deductions:
Less:
Accumulated net unrealized losses on cash flow hedges, net of tax(2)	(979		)	(909		)	(823		)	(731		)	(542		)	(617		)	(300		)	(149		)	(232		)
Cumulative unrealized net gain (loss) related to changes in fair value of financial liabilities attributable to own creditworthiness, net of tax(3)	193			279			332			474			717			441			562			574			335
Intangible Assets:
Goodwill, net of related deferred tax liabilities (DTLs)(4)	23,678			22,805			22,448			22,312			21,732			21,980			21,935			21,854			21,763
Identifiable intangible assets other than mortgage servicing rights (MSRs), net of related DTLs	4,307			4,373			4,184			4,153			3,911			3,586			3,332			5,358			5,177
Defined benefit pension plan net assets	1,179			936			897			815			904			794			870			964			891
Deferred tax assets (DTAs) arising from net operating loss, foreign tax credit and general business credit carry-forwards	24,654			23,626			23,190			23,760			23,295			23,659			23,414			22,942			22,503
Excess over 10% / 15% limitations for other DTAs, certain common stock investments and MSRs(5)	11,670			12,299			10,755			9,538			9,451			8,723			7,254			6,876			7,077
Common Equity Tier 1 Capital (CET1)	$	138,547		$	136,597		$	141,945		$	145,435		$	146,451		$	146,865		$	153,023		$	154,534		$	155,132
Risk-Weighted Assets (RWA)	$	1,301,660		$	1,292,605		$	1,283,758		$	1,278,593		$	1,254,473		$	1,216,277		$	1,239,575		$	1,232,856		$	1,228,283
Common Equity Tier 1 Capital Ratio (CET1/RWA)	10.64		%	10.57		%	11.06		%	11.37		%	11.67		%	12.07		%	12.34		%	12.53		%	12.63		%

Supplementary Leverage Ratio

Common Equity Tier 1 Capital (CET1)	$	138,547		$	136,597		$	141,945		$	145,435		$	146,451		$	146,865		$	153,023		$	154,534		$	155,132
Additional Tier 1 Capital (AT1)(6)	10,010			11,469			12,960			14,956			15,548			17,171			18,119			19,493			19,628
Total Tier 1 Capital (T1C) (CET1 + AT1)	$	148,557		$	148,066		$	154,905		$	160,391		$	161,999		$	164,036		$	171,142		$	174,027		$	174,760
Total Leverage Exposure (TLE)	$	2,485,082		$	2,492,636		$	2,406,286		$	2,386,189		$	2,363,506		$	2,317,849		$	2,300,427		$	2,326,929		$	2,360,520
Supplementary Leverage Ratio (T1C/TLE)	5.98		%	5.94		%	6.44		%	6.72		%	6.85		%	7.08		%	7.44		%	7.48		%	7.40		%

Tangible Common Equity and Tangible Book Value Per Share

Common Equity	$	202,960		$	199,717		$	202,652		$	205,472		$	205,630		$	205,139		$	209,769		$	212,635		$	212,322
Less:
Goodwill	24,500			23,592			23,150			23,012			22,444			22,349			22,575			22,496			22,539
Intangible assets (other than MSRs)	4,525			4,566			4,244			4,071			3,880			3,721			3,493			5,521			5,358
Goodwill and intangible assets (other than MSRs) related to assets held-for-sale				71			297			274			345			68			30			30			30
Net Deferred Taxes - Related to Goodwill and Intangible Assets Above
Tangible Common Equity (TCE)	$	173,935		$	171,488		$	174,961		$	178,115		$	178,961		$	179,001		$	183,671		$	184,588		$	184,395
Common Shares Outstanding (CSO)	3,029.5			3,023.9			3,034.1			3,009.8			2,979.0			2,953.3			2,934.9			2,905.4			2,849.7
Tangible Book Value Per Share (TCE/CSO)	$	57.41		$	56.71		$	57.66		$	59.18		$	60.07		$	60.61		$	62.58		$	63.53		$	64.71

(1) Excludes issuance costs related to outstanding preferred stock in accordance with Federal Reserve Board regulatory reporting requirements.

(4) Includes goodwill embedded in the valuation of significant common stock investments in unconsolidated financial institutions.

(6) Additional Tier 1 Capital primarily includes qualifying noncumulative perpetual preferred stock and qualifying trust preferred securities.

Reclassified to conform to the current periods presentation.

Page 30

CITIGROUP

REGULATORY CAPITAL RATIOS, TANGIBLE COMMON EQUITY AND TANGIBLE BOOK VALUE PER SHARE

(In millions of dollars, except per share amounts and ratios)

	December 31,
	2016
Common Equity Tier 1 Capital Ratio and Components

Citigroup Common Stockholders Equity(1)	$	206,051
Add: Qualifying noncontrolling interests	129
Regulatory Capital Adjustments and Deductions:
Less:
Accumulated net unrealized losses on cash flow hedges, net of tax(2)	(560		)
Cumulative unrealized net gain (loss) related to changes in fair value of financial liabilities attributable to own creditworthiness, net of tax(3)	(61		)
Intangible Assets:
Goodwill, net of related deferred tax liabilities (DTLs)(4)	20,858
Identifiable intangible assets other than mortgage servicing rights (MSRs), net of related DTLs	4,876
Defined benefit pension plan net assets	857
Deferred tax assets (DTAs) arising from net operating loss, foreign tax credit and general business credit carry-forwards	21,337
Excess over 10% / 15% limitations for other DTAs, certain common stock investments and MSRs(5)	9,357
Common Equity Tier 1 Capital (CET1)	$	149,516
Risk-Weighted Assets (RWA)	$	1,189,680
Common Equity Tier 1 Capital Ratio (CET1/RWA)	12.57		%

Supplementary Leverage Ratio

Common Equity Tier 1 Capital (CET1)	$	149,516
Additional Tier 1 Capital (AT1)(6)	19,874
Total Tier 1 Capital (T1C) (CET1 + AT1)	$	169,390
Total Leverage Exposure (TLE)	$	2,345,391
Supplementary Leverage Ratio (T1C/TLE)	7.22		%

Tangible Common Equity and Tangible Book Value Per Share

Common Equity	$	205,867
Less:
Goodwill	21,659
Intangible assets (other than MSRs)	5,114
Goodwill and intangible assets (other than MSRs) related to assets held-for-sale	72
Net Deferred Taxes - Related to Goodwill and Intangible Assets Above
Tangible Common Equity (TCE)	$	179,022
Common Shares Outstanding (CSO)	2,772.4
Tangible Book Value Per Share (TCE/CSO)	$	64.57

(1) Excludes issuance costs related to outstanding preferred stock in accordance with Federal Reserve Board regulatory reporting requirements.

(4) Includes goodwill embedded in the valuation of significant common stock investments in unconsolidated financial institutions.

(6) Additional Tier 1 Capital primarily includes qualifying noncumulative perpetual preferred stock and qualifying trust preferred securities.

Reclassified to conform to the current periods presentation.

Page 30

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