-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, C1Hc6LoIYXI5j2gZN2L6zQI/dHjaZ03P9jcNRddiOQgdjyHQlTLTStp68s874oz9 dAMa01XTLAglaxu1XQTE5w== 0001047469-06-000435.txt : 20060113 0001047469-06-000435.hdr.sgml : 20060113 20060113125011 ACCESSION NUMBER: 0001047469-06-000435 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 3 CONFORMED PERIOD OF REPORT: 20060113 ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20060113 DATE AS OF CHANGE: 20060113 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CITIGROUP INC CENTRAL INDEX KEY: 0000831001 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 521568099 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-09924 FILM NUMBER: 06529099 BUSINESS ADDRESS: STREET 1: 399 PARK AVENUE CITY: NEW YORK STATE: NY ZIP: 10043 BUSINESS PHONE: 2125591000 MAIL ADDRESS: STREET 1: 399 PARK AVENUE CITY: NEW YORK STATE: NY ZIP: 10043 FORMER COMPANY: FORMER CONFORMED NAME: TRAVELERS GROUP INC DATE OF NAME CHANGE: 19950519 FORMER COMPANY: FORMER CONFORMED NAME: TRAVELERS INC DATE OF NAME CHANGE: 19940103 FORMER COMPANY: FORMER CONFORMED NAME: PRIMERICA CORP /NEW/ DATE OF NAME CHANGE: 19920703 8-K 1 a2166563z8-k.htm 8-K
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U.S. SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) January 13, 2006

Citigroup Inc.
(Exact name of Registrant as specified in its charter)

Delaware (State or other jurisdiction of incorporation)		1-9924 (Commission File Number)		52-1568099 (IRS Employer Identification No.)
399 Park Avenue, New York, New York (Address of principal executive offices)				10043 (Zip Code)

(212) 559-1000
(Registrant's telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

o: Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o: Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o: Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o: Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

CITIGROUP INC.
Current Report on Form 8-K

Item 8.01 Other Events.

Attached hereto as Exhibit 99.1 and incorporated by reference herein is the Historical Financial Data Supplement of Citigroup Inc. and subsidiaries, reflecting the reorganization of the Company's Global Consumer Group and providing historical results for the Global Consumer Group under the new organization structure.

In September 2005, Citigroup announced the reorganization of the Global Consumer Group. Specifically, North America Cards, Consumer Finance and Retail Banking have been reorganized into U.S. Cards, Retail Distribution, Consumer Lending and Commercial Business. In addition, Mexico consumer results, which were previously recorded in North America, are now recorded in International.

Citigroup's fourth quarter 2005 financial results will reflect these changes.

Below is a summary description of each of the reorganized U.S. Consumer businesses.

U.S. Cards

The U.S. Cards business has effectively remained the same; however as referenced above, Mexico results are now reported in International Cards. Further, the U.S. Cards income statement presents all information on a GAAP basis, and therefore no longer reflects adjustments to Total Revenues and Net Credit Losses related to securitization activities. Performance metrics for the entire credit card portfolio, both held and securitized, are included under "Key Indicators—Managed Basis."

U.S. Retail Distribution

The U.S. Retail Distribution business is comprised of Citibank branches, CitiFinancial branches and Primerica Financial Services. Citibank branches provide personal and small business banking products and services; CitiFinancial branches provide consumer loan products and services; and Primerica Financial Services provides financial products and services through independent agents.

U.S. Consumer Lending

U.S. Consumer Lending provides consumer loans through various distribution channels. Loan products are grouped into three categories:

•: Real Estate Lending—Provides mortgage and home equity lending. Loans are originated directly with consumers via the telephone, internet, Smith Barney, Citibank branches and Primerica agents, and indirectly through mortgage brokers, banks and mortgage companies.
•: Student Loans—Provides educational loans to students. Loans are typically sourced through financial aid offices at educational institutions. Also provides government loan origination and servicing capabilities to student loan providers, including academic and financial institutions.
•: Auto—Provides automobile financing through franchised and independent auto dealers, auto manufacturers, and the internet.

U.S. Commercial Business

U.S. Commercial Business provides leasing, banking and real estate products and services to small and medium-sized enterprises across a broad range of industries. Commercial Business has effectively remained the same. Results for Commercial Business were previously reported as a separate line in North America Retail Banking.

Mapping From Prior Disclosure to New Disclosure

The below information maps the prior disclosure to the new disclosure for the Global Consumer Group.

Global Consumer Group

Prior Disclosure		New Disclosure
N.A. Cards		U.S. Cards
(1)	U.S., Canada, Puerto Rico	(1)	U.S., Canada, Puerto Rico
	Mexico*
N.A. Retail Banking		U.S. Retail Distribution
(2)	Retail Distribution	(2)	Citibank Branches
(3)	Commercial Business	(7)	CitiFinancial Branches
(4)	Prime Home Finance	(6)	Primerica Financial Services
(5)	Student Loans
(6)	Primerica Financial Services
	Mexico*	U.S. Consumer Lending
		(4,9)	Real Estate
		(8)	Auto
N.A. Consumer Finance		(5)	Student Loans
(7)	CitiFinancial Branches
(8)	CitiFinancial Auto
(9)	Home Equity	(3)	U.S. Commercial Business
	Mexico*

International Cards	International Cards
	•	The same, plus Mexico
International Consumer Finance	International Consumer Finance
	•	The same, plus Mexico
	•	Additional regional disclosure
International Retail Banking	International Retail Banking
	•	The same, plus Mexico

*: Mexico is now reported in International Consumer results.

Item 9.01 Financial Statements and Exhibits.

(d): Exhibits.

Exhibit Number
99.1		Historical Financial Data Supplement.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

		CITIGROUP INC.
Dated: January 13, 2006		By:	/s/ JOHN C. GERSPACH Name: John C. Gerspach Title: Controller and Chief Accounting Officer

EXHIBIT INDEX

Exhibit Number
99.1		Historical Financial Data Supplement.

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CITIGROUP INC. Current Report on Form 8-K
SIGNATURE
EXHIBIT INDEX—Historical Financial Data Supplement
EX-99.1 2 a2166563zex-99_1.htm EXHIBIT 99.1

Exhibit 99.1

CITIGROUP—NET INCOME
PRODUCT VIEW
(In millions of dollars)

			1Q 2003			2Q 2003			3Q 2003			4Q 2003			1Q 2004			2Q 2004			3Q 2004			4Q 2004			1Q 2005			2Q 2005			3Q 2005
Global Consumer:
	U.S. Cards		$	576		$	586		$	737		$	955		$	733		$	762		$	966		$	1,101		$	778		$	735		$	797
	U.S. Retail Distribution			420			410			424			453			502			469			524			524			564			478			319
	U.S. Consumer Lending			363			438			438			397			444			437			438			345			486			507			487
	U.S. Commercial Business			136			123			121			145			161			190			259			155			252			134			222

		Total U.S. Consumer (1)		1,495			1,557			1,720			1,950			1,840			1,858			2,187			2,125			2,080			1,854			1,825

	International Cards			135			170			240			180			244			250			301			342			302			331			383
	International Consumer Finance			171			186			113			109			132			147			160			147			139			177			152
	International Retail Banking			378			409			495			470			496			543			533			585			498			593			427

		Total International Consumer		684			765			848			759			872			940			994			1,074			939			1,101			962

	Other (2)			(21	)		(42	)		(27	)		(23	)		(91	)		304			(62	)		(54	)		(176	)		(58	)		(64	)

		Total Global Consumer		2,158			2,280			2,541			2,686			2,621			3,102			3,119			3,145			2,843			2,897			2,723

Corporate and Investment Banking:
	Capital Markets and Banking			1,203			1,174			1,163			1,102			1,477			1,502			1,159			1,257			1,439			1,043			1,424
	Transaction Services			192			181			197			178			235			262			286			262			245			288			327
	Other(2)(3)			7			(10	)		(6	)		(7	)		(4	)		(4,569	)		7			168			(5	)		41			46

		Total Corporate and Investment Banking		1,402			1,345			1,354			1,273			1,708			(2,805	)		1,452			1,687			1,679			1,372			1,797

Global Wealth Management:
	Smith Barney			161			186			207			241			252			211			198			230			197			239			227
	Private Bank (4)			125			139			143			144			159			152			136			(129	)		122			83			79

		Total Global Wealth Management		286			325			350			385			411			363			334			101			319			322			306

Alternative Investments				48			69			133			152			33			278			117			340			362			385			339
Corporate/Other				(47	)		70			177			71			191			(22	)		4			(125	)		(88	)		(245	)		(177	)

Income From Continuing Operations				3,847			4,089			4,555			4,567			4,964			916			5,026			5,148			5,115			4,731			4,988

Discontinued Operations(5)(6)				256			210			136			193			309			228			282			173			326			342			2,155

Net Income			$	4,103		$	4,299		$	4,691		$	4,760		$	5,273		$	1,144		$	5,308		$	5,321		$	5,441		$	5,073		$	7,143

(1): U.S. disclosure includes Canada and Puerto Rico.
(2): The 2004 second quarter includes a $756 million after-tax gain ($378 million in Consumer Other and $378 million in CIB Other) related to the sale of The Samba Financial Group (Samba).
(3): The 2004 second quarter includes a $4.95 billion after-tax charge related to the WorldCom Settlement and increase in Litigation Reserves.
(4): The 2004 fourth quarter includes a $244 million after-tax charge related to the exit plan implementation for the Company's Private Bank operations in Japan.
(5): Discontinued Operations includes the operations from the Company's January 31, 2005 announced agreement for the sale of Citigroup's Travelers Life & Annuity, and substantially all of Citigroup's international insurance business, to MetLife, Inc. The transaction closed during the 2005 third quarter and resulted in a $3.4 billion ($2.1 billion after-tax) gain.
(6): Discontinued Operations includes the operations from the Company's June 24, 2005 announced agreement for the sale of substantially all of Citigroup's Asset Management business to Legg Mason, Inc. The transaction closed during the 2005 fourth quarter.

Reclassified to reflect the Global Consume reorganization.

CITIGROUP—NET INCOME
REGIONAL VIEW
(In millions of dollars)

			1Q 2003			2Q 2003			3Q 2003			4Q 2003			1Q 2004		2Q 2004			3Q 2004		4Q 2004			1Q 2005			2Q 2005			3Q 2005
U.S. (1)
	Global Consumer		$	1,474		$	1,515		$	1,693		$	1,927		$	1,749	$	1,784		$	2,125	$	2,071		$	1,904		$	1,796		$	1,761
	Corporate and Investment Banking			661			579			604			696			746		(4,244	)		501		807			893			462			637
	Global Wealth Management			231			256			276			313			315		282			272		310			273			315			288

		Total U.S.		2,366			2,350			2,573			2,936			2,810		(2,178	)		2,898		3,188			3,070			2,573			2,686

Mexico
	Global Consumer			147			206			214			218			228		235			249		267			277			368			511
	Corporate and Investment Banking			107			74			120			106			94		184			198		183			83			76			177
	Global Wealth Management			10			10			11			10			16		12			13		11			13			10			12

		Total Mexico		264			290			345			334			338		431			459		461			373			454			700

Europe, Middle East and Africa (EMEA)
	Global Consumer			149			155			187			189			202		602			152		224			122			124			(154	)
	Corporate and Investment Banking			240			330			234			120			265		662			124		85			188			336			358
	Global Wealth Management			(5	)		(3	)		(3	)		(5	)		9		4			4		(2	)		(1	)		3			8

		Total EMEA		384			482			418			304			476		1,268			280		307			309			463			212

Japan
	Global Consumer			176			195			106			106			142		147			164		163			175			188			169
	Corporate and Investment Banking			40			14			54			54			93		87			91		63			48			54			58
	Global Wealth Management			17			20			22			24			26		19			3		(253	)		(8	)		(45	)		(29	)

		Total Japan		233			229			182			184			261		253			258		(27	)		215			197			198

Asia (excluding Japan)
	Global Consumer			186			198			212			215			247		280			333		328			311			341			375
	Corporate and Investment Banking			183			193			196			203			308		321			309		352			322			249			382
	Global Wealth Management			24			32			31			31			35		34			33		23			35			31			26

		Total Asia		393			423			439			449			590		635			675		703			668			621			783

Latin America
	Global Consumer			26			11			129			31			53		54			97		92			54			80			61
	Corporate and Investment Banking			171			155			146			94			202		185			229		197			145			195			185
	Global Wealth Management			9			10			13			12			10		12			9		12			7			8			1

		Total Latin America		206			176			288			137			265		251			335		301			206			283			247

Alternative Investments				48			69			133			152			33		278			117		340			362			385			339
Corporate/Other				(47	)		70			177			71			191		(22	)		4		(125	)		(88	)		(245	)		(177	)

Income From Continuing Operations				3,847			4,089			4,555			4,567			4,964		916			5,026		5,148			5,115			4,731			4,988
	Discontinued Operations			256			210			136			193			309		228			282		173			326			342			2,155

Net Income			$	4,103		$	4,299		$	4,691		$	4,760		$	5,273	$	1,144		$	5,308	$	5,321		$	5,441		$	5,073		$	7,143

Total International			$	1,480		$	1,600		$	1,672		$	1,408		$	1,930	$	2,838		$	2,007	$	1,745		$	1,771		$	2,018		$	2,140

(1): Excludes Alternative Investments and Corporate / Other which are predominantly related to the U.S. The U.S. regional disclosure includes Canada and Puerto Rico. Global Consumer for the U.S includes Other Consumer (except for SAMBA in 2Q04 which is allocated to EMEA).

Reclassified to reflect the Global Consumer reorganization.

CITIGROUP—NET REVENUES
PRODUCT VIEW
(In millions of dollars)

			1Q 2003			2Q 2003			3Q 2003		4Q 2003		1Q 2004			2Q 2004			3Q 2004			4Q 2004			1Q 2005			2Q 2005			3Q 2005
Global Consumer:
	U.S. Cards		$	2,571		$	2,531		$	2,689	$	3,589	$	3,639		$	3,483		$	3,579		$	3,506		$	3,455		$	3,263		$	3,381
	U.S. Retail Distribution			2,123			2,124			2,163		2,171		2,322			2,330			2,334			2,359			2,457			2,360			2,339
	U.S. Consumer Lending			1,261			1,405			1,374		1,258		1,345			1,204			1,261			1,251			1,373			1,376			1,332
	U.S. Commercial Business			527			511			511		479		474			619			620			581			678			491			649

		Total U.S. Consumer(1)		6,482			6,571			6,737		7,497		7,780			7,636			7,794			7,697			7,963			7,490			7,701

	International Cards			719			753			837		875		945			975			1,014			1,140			1,105			1,176			1,209
	International Consumer Finance			958			865			886		902		894			911			919			958			948			963			950
	International Retail Banking			1,714			1,854			1,819		1,925		2,034			2,128			2,157			2,349			2,305			2,396			2,474

		Total International Consumer		3,391			3,472			3,542		3,702		3,873			4,014			4,090			4,447			4,358			4,535			4,633

	Other			38			24			19		26		(2	)		565			(14	)		7			(203	)		(18	)		(13	)

		Total Global Consumer		9,911			10,067			10,298		11,225		11,651			12,215			11,870			12,151			12,118			12,007			12,321

Corporate and Investment Banking:
	Capital Markets and Banking			4,193			4,550			3,846		3,856		4,531			4,495			3,733			4,347			4,899			3,965			5,187
	Transaction Services			907			899			885		908		942			987			1,045			1,104			1,137			1,191			1,246
	Other			(11	)		(9	)		2		6		1			585			2			14			1			—			1

		Total Corporate and Investment Banking		5,089			5,440			4,733		4,770		5,474			6,067			4,780			5,465			6,037			5,156			6,434

Global Wealth Management:
	Smith Barney			1,332			1,455			1,495		1,569		1,732			1,582			1,528			1,643			1,669			1,647			1,728
	Private Bank			460			521			510		505		573			505			482			484			504			453			446

		Total Global Wealth Management		1,792			1,976			2,005		2,074		2,305			2,087			2,010			2,127			2,173			2,100			2,174

Alternative Investments				170			234			518		357		191			545			297			670			866			1,112			720
Corporate/Other				254			267			231		183		311			(59	)		(219	)		(303	)		2			(206	)		(151	)

Total Net Revenues			$	17,216		$	17,984		$	17,785	$	18,609	$	19,932		$	20,855		$	18,738		$	20,110		$	21,196		$	20,169		$	21,498

(1): U.S. disclosure includes Canada and Puerto Rico.

Reclassified to reflect the Global Consumer reorganization.

NM: Not meaningful

CITIGROUP—NET REVENUES
REGIONAL VIEW
(In millions of dollars)

			1Q 2003		2Q 2003		3Q 2003		4Q 2003		1Q 2004		2Q 2004			3Q 2004			4Q 2004			1Q 2005		2Q 2005			3Q 2005
U.S.(1)
	Global Consumer		$	6,520	$	6,595	$	6,756	$	7,523	$	7,778	$	7,617		$	7,780		$	7,704		$	7,760	$	7,472		$	7,688
	Corporate and Investment Banking			2,440		2,576		2,047		1,815		2,302		2,560			1,848			2,251			2,779		1,948			2,810
	Global Wealth Management			1,514		1,647		1,680		1,755		1,915		1,765			1,718			1,843			1,872		1,852			1,923

		Total U.S.		10,474		10,818		10,483		11,093		11,995		11,942			11,346			11,798			12,411		11,272			12,421

Mexico
	Global Consumer			691		793		694		793		853		842			905			1,007			960		1,055			1,139
	Corporate and Investment Banking			166		179		161		202		204		137			199			230			159		170			236
	Global Wealth Management			28		31		28		30		38		34			35			31			31		31			30

		Total Mexico		885		1,003		883		1,025		1,095		1,013			1,139			1,268			1,150		1,256			1,405

Europe, Middle East and Africa (EMEA)
	Global Consumer			904		942		1,016		1,095		1,152		1,777			1,139			1,251			1,248		1,256			1,271
	Corporate and Investment Banking			1,390		1,481		1,340		1,530		1,562		2,067			1,352			1,531			1,694		1,708			1,801
	Global Wealth Management			58		65		64		73		80		72			68			71			71		71			79

		Total EMEA		2,352		2,488		2,420		2,698		2,794		3,916			2,559			2,853			3,013		3,035			3,151

Japan
	Global Consumer			915		813		823		823		815		812			822			841			821		827			803
	Corporate and Investment Banking			73		105		153		189		227		204			226			160			180		187			211
	Global Wealth Management			60		69		74		61		83		58			33			26			22		(15	)		(13	)

		Total Japan		1,048		987		1,050		1,073		1,125		1,074			1,081			1,027			1,023		999			1,001

Asia (excluding Japan)
	Global Consumer			682		723		755		781		824		944			999			1,046			1,072		1,116			1,141
	Corporate and Investment Banking			593		631		676		694		857		770			823			958			915		761			1,004
	Global Wealth Management			85		110		104		99		131		102			102			97			119		111			107

		Total Asia		1,360		1,464		1,535		1,574		1,812		1,816			1,924			2,101			2,106		1,988			2,252

Latin America
	Global Consumer			199		201		254		210		229		223			225			302			257		281			279
	Corporate and Investment Banking			427		468		356		340		322		329			332			335			310		382			372
	Global Wealth Management			47		54		55		56		58		56			54			59			58		50			48

		Total Latin America		673		723		665		606		609		608			611			696			625		713			699

Alternative Investments				170		234		518		357		191		545			297			670			866		1,112			720
Corporate/Other				254		267		231		183		311		(59	)		(219	)		(303	)		2		(206	)		(151	)

Total Net Revenues			$	17,216	$	17,984	$	17,785	$	18,609	$	19,932	$	20,855		$	18,738		$	20,110		$	21,196	$	20,169		$	21,498

Total International			$	6,318	$	6,665	$	6,553	$	6,976	$	7,435	$	8,427		$	7,314		$	7,945		$	7,917	$	7,991		$	8,508

(1): Excludes Alternative Investments and Corporate/Other which are predominantly related to the U.S. The U.S. regional disclosure includes Canada and Puerto Rico. Global Consumer for the U.S includes Other Consumer (except for SAMBA in 2Q04 which is allocated to EMEA).

Reclassified to reflect the Global Consumer reorganization.

NM: Not meaningful

GLOBAL CONSUMER
(In millions of dollars)

	1Q 2003			2Q 2003			3Q 2003			4Q 2003			1Q 2004			2Q 2004		3Q 2004			4Q 2004			1Q 2005			2Q 2005			3Q 2005
Global Consumer:
Total Revenues, Net of Interest Expense	$	9,911		$	10,067		$	10,298		$	11,225		$	11,651		$	12,215	$	11,870		$	12,151		$	12,118		$	12,007		$	12,321
Total Operating Expenses		4,526			4,676			4,713			5,136			5,299			5,419		5,541			5,892			5,846			5,753			5,657
Total Provisions for Loan Losses, and Benefits and Claims		2,166			2,099			1,748			2,169			2,512			2,160		1,645			1,780			2,102			2,047			2,770

Income Before Taxes and Minority Interest		3,219			3,292			3,837			3,920			3,840			4,636		4,684			4,479			4,170			4,207			3,894
Income Taxes		1,041			1,000			1,286			1,224			1,203			1,519		1,550			1,320			1,314			1,295			1,153
Minority Interest, Net of Tax		20			12			10			10			16			15		15			14			13			15			18

Net Income	$	2,158		$	2,280		$	2,541		$	2,686		$	2,621		$	3,102	$	3,119		$	3,145		$	2,843		$	2,897		$	2,723

U.S.:
Total Revenues, Net of Interest Expense	$	6,482		$	6,571		$	6,737		$	7,497		$	7,780		$	7,636	$	7,794		$	7,697		$	7,963		$	7,490		$	7,701
Total Operating Expenses		2,663			2,720			2,789			2,986			3,157			3,279		3,342			3,436			3,337			3,358			3,290
Total Provisions for Loan Losses, and Benefits and Claims		1,494			1,383			1,231			1,520			1,843			1,489		1,042			1,070			1,429			1,317			1,573

Income Before Taxes and Minority Interest		2,325			2,468			2,717			2,991			2,780			2,868		3,410			3,191			3,197			2,815			2,838
Income Taxes		811			900			988			1,031			925			996		1,209			1,051			1,104			945			996
Minority Interest, Net of Tax		19			11			9			10			15			14		14			15			13			16			17

Net Income	$	1,495		$	1,557		$	1,720		$	1,950		$	1,840		$	1,858	$	2,187		$	2,125		$	2,080		$	1,854		$	1,825

International:
Total Revenues, Net of Interest Expense	$	3,391		$	3,472		$	3,542		$	3,702		$	3,873		$	4,014	$	4,090		$	4,447		$	4,358		$	4,535		$	4,633
Total Operating Expenses		1,793			1,865			1,862			2,084			2,022			2,051		2,114			2,362			2,422			2,320			2,280
Total Provisions for Loan Losses, and Benefits and Claims		672			716			517			649			669			671		603			710			673			730			1,197

Income Before Taxes and Minority Interest		926			891			1,163			969			1,182			1,292		1,373			1,375			1,263			1,485			1,156
Income Taxes		241			125			314			210			309			351		378			302			324			385			193
Minority Interest, Net of Tax		1			1			1			—			1			1		1			(1	)		—			(1	)		1

Net Income	$	684		$	765		$	848		$	759		$	872		$	940	$	994		$	1,074		$	939		$	1,101		$	962

Other Consumer:
Total Revenues, Net of Interest Expense	$	38		$	24		$	19		$	26		$	(2	)	$	565	$	(14	)	$	7		$	(203	)	$	(18	)	$	(13	)
Total Operating Expenses		70			91			62			66			120			89		85			94			87			75			87

Income Before Taxes		(32	)		(67	)		(43	)		(40	)		(122	)		476		(99	)		(87	)		(290	)		(93	)		(100	)
Income Taxes		(11	)		(25	)		(16	)		(17	)		(31	)		172		(37	)		(33	)		(114	)		(35	)		(36	)

Net Income	$	(21	)	$	(42	)	$	(27	)	$	(23	)	$	(91	)	$	304	$	(62	)	$	(54	)	$	(176	)	$	(58	)	$	(64	)

Reclassified to reflect the Global Consumer reorganization.

GLOBAL CONSUMER
U.S.
CARDS—Page 1
(In millions of dollars)

		1Q 2003			2Q 2003			3Q 2003			4Q 2003			1Q 2004			2Q 2004			3Q 2004			4Q 2004			1Q 2005			2Q 2005			3Q 2005
Total Revenues, Net of Interest Expense(1)		$	2,571		$	2,531		$	2,689		$	3,589		$	3,639		$	3,483		$	3,579		$	3,506		$	3,455		$	3,263		$	3,381
Total Operating Expenses			1,048			1,072			1,093			1,307			1,445			1,433			1,517			1,525			1,500			1,503			1,458

	Net Credit Losses		603			537			432			816			1,077			946			717			786			756			640			649
	Specific and Unallocated Credit Reserve Build/(Release)		25			—			—			(13	)		—			(59	)		(160	)		(420	)		—			—			30

Total Provision for Loan Losses			628			537			432			803			1,077			887			557			366			756			640			679

Income Before Taxes and Minority Interest			895			922			1,164			1,479			1,117			1,163			1,505			1,615			1,199			1,120			1,244
Income Taxes and Minority Interest			319			336			427			524			384			401			539			514			421			385			447

Net Income		$	576		$	586		$	737		$	955		$	733		$	762		$	966		$	1,101		$	778		$	735		$	797

Average Assets (in billions of dollars)		$	51		$	45		$	46		$	66		$	76		$	73		$	74		$	73		$	71		$	65		$	63
Return on Assets			4.58	%		5.22	%		6.36	%		5.74	%		3.88	%		4.20	%		5.19	%		6.00	%		4.44	%		4.54	%		5.02	%
Net Credit Loss Ratio			6.04	%		5.87	%		4.83	%		6.09	%		7.13	%		6.72	%		5.41	%		5.82	%		5.77	%		5.47	%		5.76	%
Average Risk Capital														$	4,331		$	4,214		$	3,997		$	3,958		$	5,638		$	5,855		$	5,848
Return on Risk Capital															68	%		73	%		96	%		111	%		56	%		50	%		54	%
Return on Invested Capital															22	%		23	%		30	%		35	%		23	%		21	%		22	%
KEY INDICATORS—Managed Basis(1) (in billions of dollars)
Return on Managed Assets			1.99	%		2.05	%		2.51	%		2.77	%		1.99	%		2.10	%		2.61	%		2.94	%		2.12	%		2.04	%		2.20	%
Average Managed Loans:
	Securitized	$	67.7		$	71.2		$	72.1		$	74.5		$	75.9		$	75.6		$	76.2		$	83.6		$	86.4		$	87.7		$	89.8
	Held for Sale		5.1			3.0			4.1			0.6			—			2.1			7.4			2.9			0.2			0.6			—
	On Balance Sheet		40.6			36.6			35.5			53.0			60.7			56.7			52.7			53.6			53.1			47.0			44.7

	Total Managed	$	113.4		$	110.8		$	111.7		$	128.1		$	136.6		$	134.4		$	136.3		$	140.1		$	139.7		$	135.3		$	134.5

	Bankcards	$	106.2		$	104.1		$	101.4		$	106.6		$	111.2		$	109.0		$	110.6		$	114.2		$	114.4		$	110.4		$	109.2
	Private Label		7.2			6.7			10.3			21.5			25.4			25.4			25.7			25.9			25.3			24.9			25.3

Total Managed		$	113.4		$	110.8		$	111.7		$	128.1		$	136.6		$	134.4		$	136.3		$	140.1		$	139.7		$	135.3		$	134.5

End of Period Managed Loans:
	Bankcards	$	105.3		$	103.2		$	100.5		$	115.5		$	109.8		$	110.3		$	112.2		$	118.1		$	111.9		$	110.2		$	109.1
	Private Label		6.9			6.0			12.5			26.0			25.2			25.8			26.0			26.1			24.7			25.2			25.6

	Total	$	112.2		$	109.2		$	113.0		$	141.5		$	135.0		$	136.1		$	138.2		$	144.2		$	136.6		$	135.4		$	134.7

(1): The 2005 first quarter, 2005 second quarter and 2005 third quarter, include releases of $129 million, $102 million and $137 million, respectively from the allowance for credit losses related to loan receivables that have been securitized during the quarter.
(2): Managed basis presentation includes results from both the on-balance sheet loans and off-balance sheet loans, and exclude the impact of card securitization activity. Managed disclosures assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as the Company's owned loans.

Reclassified to conform to the current period's presentation.

GLOBAL CONSUMER
U.S.
CARDS—Page 2
(In millions of dollars)

			1Q 2003			2Q 2003			3Q 2003			4Q 2003			1Q 2004			2Q 2004			3Q 2004			4Q 2004			1Q 2005			2Q 2005			3Q 2005
SUPPLEMENTAL DISCLOSURE—Managed Basis(1):
EOP Open Accounts (in millions)				83.6			82.0			93.5			124.0			124.9			125.4			125.0			125.3			124.5			122.7			119.4
Purchase Sales (in billions of dollars)(2)			$	55.6		$	57.9		$	60.5		$	62.9		$	58.6		$	64.3		$	64.8		$	69.3		$	61.7		$	69.8		$	70.9
Managed Average Yield:(3)
	Bankcards			10.95	%		11.24	%		11.47	%		12.31	%		12.38	%		12.14	%		11.90	%		12.01	%		12.17	%		12.42	%		12.76	%
	Private Label			17.69	%		17.78	%		18.41	%		19.74	%		20.92	%		19.76	%		19.12	%		19.00	%		19.99	%		19.43	%		19.24	%

	Total			11.38	%		11.63	%		12.11	%		13.56	%		13.97	%		13.58	%		13.27	%		13.30	%		13.58	%		13.71	%		13.98	%

Managed Net Interest Revenue (in millions of dollars):
	Bankcards		$	2,429		$	2,480		$	2,509		$	2,874		$	2,997		$	2,859		$	2,780		$	2,805		$	2,690		$	2,572		$	2,650
	Private Label			369			352			580			1,068			1,230			1,140			1,163			1,123			1,111			1,048			1,088

	Total		$	2,798		$	2,832		$	3,089		$	3,942		$	4,227		$	3,999		$	3,943		$	3,928		$	3,801		$	3,620		$	3,738

Managed Net Interest Revenue as a % of Average Managed Loans:
	Bankcards			9.28	%		9.56	%		9.82	%		10.70	%		10.84	%		10.55	%		10.00	%		9.77	%		9.54	%		9.35	%		9.64	%
	Private Label			20.78	%		21.07	%		22.34	%		19.71	%		19.46	%		18.07	%		17.98	%		17.25	%		17.81	%		16.88	%		17.06	%
	Total			10.02	%		10.25	%		10.97	%		12.21	%		12.45	%		11.97	%		11.51	%		11.15	%		11.03	%		10.74	%		11.03	%
Managed Net Credit Margin (in millions of dollars):(4)
	Bankcards		$	1,597		$	1,691		$	1,752		$	1,993		$	1,833		$	1,912		$	2,029		$	2,070		$	1,888		$	1,798		$	1,881
	Private Label			224			234			439			719			730			623			688			642			642			635			672

	Total		$	1,821		$	1,925		$	2,191		$	2,712		$	2,563		$	2,535		$	2,717		$	2,712		$	2,530		$	2,433		$	2,553

Managed Net Credit Margin as a % of Average Managed Loans:
	Bankcards			6.10	%		6.53	%		6.85	%		7.42	%		6.63	%		7.05	%		7.30	%		7.21	%		6.69	%		6.54	%		6.84	%
	Private Label			12.62	%		14.01	%		16.91	%		13.27	%		11.55	%		9.88	%		10.63	%		9.86	%		10.29	%		10.23	%		10.54	%

	Total			6.52	%		6.97	%		7.78	%		8.40	%		7.55	%		7.59	%		7.93	%		7.70	%		7.34	%		7.22	%		7.54	%

Managed Net Credit Losses (in millions of dollars):
	Bankcards		$	1,519		$	1,564		$	1,490		$	1,683		$	1,852		$	1,694		$	1,509		$	1,527		$	1,490		$	1,564		$	1,531
	Private Label			185			180			153			361			550			543			458			472			431			392			385

	Total		$	1,704		$	1,744		$	1,643		$	2,044		$	2,402		$	2,237		$	1,967		$	1,999		$	1,921		$	1,956		$	1,916

Coincident Managed Net Credit Loss Ratio:
	Bankcards			5.81	%		6.03	%		5.83	%		6.26	%		6.70	%		6.25	%		5.43	%		5.32	%		5.28	%		5.69	%		5.57	%
	Private Label			10.42	%		10.78	%		5.89	%		6.66	%		8.70	%		8.61	%		7.08	%		7.25	%		6.91	%		6.31	%		6.04	%
	Total			6.10	%		6.31	%		5.84	%		6.33	%		7.07	%		6.69	%		5.74	%		5.68	%		5.58	%		5.80	%		5.66	%
12 Month Lagged Managed Net Credit Loss Ratio				6.53	%		6.57	%		5.95	%		7.22	%		8.53	%		8.12	%		7.01	%		6.21	%		5.70	%		5.84	%		5.58	%
Managed Loans 90+Days Past Due:
	Bankcards		$	1,933		$	1,845		$	1,855		$	2,168		$	2,008		$	1,773		$	1,761		$	1,851		$	1,716		$	1,580		$	1,579
	Private Label			217			181			208			923			843			748			777			748			684			672			701

	Total		$	2,150		$	2,026		$	2,063		$	3,091		$	2,851		$	2,521		$	2,538		$	2,599		$	2,400		$	2,252		$	2,280

	% of EOP Managed Loans:
		Bankcards		1.84	%		1.79	%		1.85	%		1.88	%		1.83	%		1.61	%		1.57	%		1.57	%		1.53	%		1.43	%		1.45	%
		Private Label		3.14	%		3.02	%		1.66	%		3.55	%		3.35	%		2.90	%		2.99	%		2.88	%		2.78	%		2.67	%		2.74	%
		Total		1.92	%		1.86	%		1.83	%		2.18	%		2.11	%		1.85	%		1.84	%		1.80	%		1.76	%		1.66	%		1.69	%

(1): Managed basis presentation includes results from both the on-balance sheet loans and off-balance sheet loans, and excludes the impact of card securitization activity. Managed disclosures assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as the Company's owned loans.
(2): Purchase Sales represents customers' purchased sales plus cash advances.
(3): Gross interest revenue earned divided by average managed loans.
(4): Total Revenues, net of Interest Expense, less Net Credit Losses.

NM Not meaningful

Reclassified to reflect the Global Consumer reorganization.

GLOBAL CONSUMER
U.S.
RETAIL DISTRIBUTION—Page 1
(In millions of dollars)

			1Q 2003			2Q 2003			3Q 2003			4Q 2003			1Q 2004			2Q 2004			3Q 2004			4Q 2004			1Q 2005			2Q 2005			3Q 2005
Total Revenues, Net of Interest Expense:
	Citibank Branches			742			757			736			724			751			777			786			751			853			766			754
	Citifinancial Branches			866			852			900			916			1,040			1,024			1,016			1,059			1,053			1,054			1,035
	Primerica Financial Services			515			515			527			531			531			529			532			549			551			540			550

	Total Revenues, Net of Interest Expense		$	2,123		$	2,124		$	2,163		$	2,171		$	2,322		$	2,330		$	2,334		$	2,359		$	2,457		$	2,360		$	2,339
Total Operating Expenses				994			994			1,022			1,035			1,104			1,104			1,056			1,094			1,085			1,107			1,099
	Net Credit Losses			291			312			305			313			324			348			306			352			326			346			314
	Specific and Unallocated Credit Reserve Build / (Release)			(9	)		(4	)		(10	)		(6	)		(4	)		(12	)		—			—			(17	)		—			275
	Provision for Benefits & Claims			185			178			179			174			186			172			162			183			182			177			170

Total Provisions for Loan Losses, and Benefits and Claims				467			486			474			481			506			508			468			535			491			523			759

Income Before Taxes				662			644			667			655			712			718			810			730			881			730			481
Income Taxes				242			234			243			202			210			249			286			206			317			252			162

Net Income			$	420		$	410		$	424		$	453		$	502		$	469		$	524		$	524		$	564		$	478		$	319

Average Assets (in billions of dollars)			$	53		$	52		$	53		$	54		$	59		$	59		$	60		$	62		$	63		$	64		$	65
Return on Assets				3.21	%		3.16	%		3.17	%		3.33	%		3.42	%		3.20	%		3.47	%		3.36	%		3.63	%		3.00	%		1.95	%
Average Risk Capital															$	2,611		$	2,713		$	2,738		$	2,804		$	2,940		$	2,983		$	3,003
Return on Risk Capital																77	%		70	%		76	%		74	%		78	%		64	%		42	%
Return on Invested Capital																21	%		18	%		20	%		20	%		20	%		18	%		13	%
Net Income by Business:
	Citibank Branches		$	126		$	119		$	117		$	124		$	134		$	124		$	130		$	127		$	185		$	114		$	111
	Citifinancial Branches			163			156			173			183			231			214			258			257			245			228			72
	Primerica Financial Services			131			135			134			146			137			131			136			140			134			136			136

		Total Net Income	$	420		$	410		$	424		$	453		$	502		$	469		$	524		$	524		$	564		$	478		$	319

Reclassified to reflect the Global Consumer reorganization.

GLOBAL CONSUMER
U.S.
RETAIL DISTRIBUTION—Page 2
(In millions of dollars)

			1Q 2003			2Q 2003			3Q 2003			4Q 2003			1Q 2004			2Q 2004			3Q 2004			4Q 2004			1Q 2005			2Q 2005			3Q 2005
KEY INDICATORS:
Average Loans (in billions of dollars):
	Citibank Branches		$	6.8		$	6.8		$	6.8		$	6.9		$	7.1		$	7.4		$	7.6		$	8.0		$	8.2		$	8.5		$	8.8
	Citifinancial Branches			25.5			25.8			26.1			26.6			29.9			30.0			30.4			31.1			31.2			31.2			31.9

		Total	$	32.3		$	32.6		$	32.9		$	33.5		$	37.0		$	37.4		$	38.0		$	39.1		$	39.4		$	39.7		$	40.7

Average Loans by Product (in billions of dollars):
	Real estate secured loans		$	16.4		$	16.0		$	16.7		$	17.0		$	18.9		$	19.3		$	19.6		$	20.1		$	20.4		$	20.8		$	21.2
	Personal loans			12.0			12.0			12.1			12.2			13.6			13.7			14.0			14.4			14.4			14.4			14.8
	Sales finance and other			3.9			4.6			4.1			4.3			4.5			4.4			4.4			4.6			4.6			4.5			4.7

		Total	$	32.3		$	32.6		$	32.9		$	33.5		$	37.0		$	37.4		$	38.0		$	39.1		$	39.4		$	39.7		$	40.7

Net Interest Revenue (in millions of dollars):
	Citibank Branches		$	465		$	474		$	439		$	417		$	427		$	449		$	466		$	484		$	513		$	523		$	509
	Citifinancial Branches			732			722			771			764			914			903			905			938			918			918			919
	Primerica Financial Services			72			69			70			108			63			57			63			66			58			55			60

		Total	$	1,269		$	1,265		$	1,280		$	1,289		$	1,404		$	1,409		$	1,434		$	1,488		$	1,489		$	1,496		$	1,488

Net Credit Loss Ratio				3.65	%		3.84	%		3.68	%		3.71	%		3.52	%		3.74	%		3.20	%		3.58	%		3.36	%		3.50	%		3.06	%
Loans 90+ Days Past Due (in millions of dollars)			$	795		$	783		$	738		$	806		$	792		$	764		$	762		$	814		$	782		$	723		$	787
	% of EOP Loans			1.94	%		2.34	%		2.18	%		2.34	%		2.10	%		2.00	%		1.95	%		2.06	%		1.98	%		1.79	%		1.91	%
Number of Branches:
	Citibank			781			779			782			779			779			775			776			775			883			885			884
	Citifinancial			1,997			1,993			1,994			1,996			2,428			2,276			2,279			2,281			2,273			2,273			2,274

		Total		2,778			2,772			2,776			2,775			3,207			3,051			3,055			3,056			3,156			3,158			3,158

Total EOP Accounts (in millions):
	Citibank Branches			10.1			10.1			10.0			9.9			9.9			10.0			10.0			10.0			10.3			10.4			10.5
	Citifinancial Branches			4.8			4.8			4.9			4.9			5.6			5.4			5.4			5.5			5.3			5.3			5.4
	Primerica Financial Services			4.5			4.6			4.6			4.7			4.7			4.8			4.9			4.7			4.8			4.8			4.9

		Total		19.4			19.5			19.5			19.5			20.2			20.2			20.3			20.2			20.4			20.5			20.8

Citibank Branches — Average Balances (in billions of dollars)
	Checking, Savings & Money Market Deposits		$	56.3		$	56.5		$	58.1		$	58.9		$	60.8		$	63.0		$	64.0		$	63.9		$	65.6		$	66.4		$	65.1
	Time Deposits, CDs and Other			15.2			15.3			13.4			12.6			11.9			11.2			10.7			10.6			10.9			12.6			13.2

		Total Branch Deposits		71.5			71.8			71.5			71.5			72.7			74.2			74.7			74.5			76.5			79.0			78.3
	Smith Barney Bank Deposit Program			41.1			41.2			41.3			41.0			41.8			41.7			41.4			41.4			42.3			41.4			41.3

		Total Deposits	$	112.6		$	113.0		$	112.8		$	112.5		$	114.5		$	115.9		$	116.1		$	115.9		$	118.8		$	120.4		$	119.6

	Checking Accounts (in millions)			3.3			3.3			3.3			3.3			3.3			3.3			3.3			3.3			3.5			3.5			3.5
	EOP Investment AUMs (in billions of dollars)		$	32.4		$	34.4		$	35.3		$	37.2		$	38.0		$	38.4		$	38.0		$	40.6		$	39.8		$	40.7		$	41.6
	Total Investment Product Sales (in billions of dollars)		$	2.5		$	2.5		$	2.6		$	2.6		$	2.9		$	2.5		$	2.8		$	2.9		$	3.1		$	3.0		$	3.2
Primerica Financial Services:
	Life Insurance in Force (in billions of dollars)		$	474.4		$	486.6		$	494.2		$	503.6		$	510.7		$	522.0		$	534.2		$	545.4		$	553.1		$	562.7		$	572.4
	Loan Volumes (in millions of dollars)		$	1,259.6		$	1,350.4		$	1,460.0		$	857.9		$	749.3		$	1,104.0		$	961.0		$	987.0		$	972.8		$	963.6		$	1,099.9
	Mutual Fund Sales at NAV (in millions of dollars)		$	706		$	692		$	712		$	730		$	927		$	861		$	768		$	769		$	903		$	865		$	798
	Variable Annuity Net Written Premiums & Deposits (in millions of dollars)		$	158		$	171		$	212		$	220		$	296		$	263		$	258		$	278		$	328		$	271		$	283
	Investment AUMs (EOP) (in millions of dollars)		$	18.7		$	21.6		$	22.3		$	24.8		$	25.5		$	25.7		$	25.7		$	27.9		$	27.5		$	28.0		$	29.3

(1): Total Revenues, net of Interest Expense, less Net Credit Losses.
NM: Not meaningful

Reclassified to reflect the Global Consumer reorganization.

GLOBAL CONSUMER
U.S.
CONSUMER LENDING — Page 1
(In millions of dollars)

				1Q 2003			2Q 2003			3Q 2003			4Q 2003			1Q 2004			2Q 2004			3Q 2004			4Q 2004			1Q 2005			2Q 2005			3Q 2005
Total Revenues, Net of Interest Expense:
	Real Estate Lending			$	831		$	969		$	963		$	831		$	879		$	740		$	811		$	766		$	924		$	888		$	836
	Student Loans				131			132			106			118			149			149			151			163			132			176			173
	Auto				299			304			305			309			317			315			299			322			317			312			323

Total Revenues, Net of Interest Expense					1,261			1,405			1,374			1,258			1,345			1,204			1,261			1,251			1,373			1,376			1,332
Total Operating Expenses					395			421			421			414			394			371			417			447			411			413			425
	Net Credit Losses				254			251			241			220			230			180			200			199			181			146			168
	Specific and Unallocated Credit Reserve Build / (Release)				—			3			(12	)		(25	)		(8	)		(66	)		(80	)		(1	)		(1	)		1			(56	)
	Provision for Benefits and Claims				4			4			3			1			1			1			1			1			2			1			2

Total Provisions for Loan Losses and Benefits and Claims					258			258			232			196			223			115			121			199			182			148			114

Income Before Taxes and Minority Interest					608			726			721			648			728			718			723			605			780			815			793
Income Taxes					229			277			274			242			269			267			271			245			281			292			289
Minority Interest, Net of Tax					16			11			9			9			15			14			14			15			13			16			17

Net Income				$	363		$	438		$	438		$	397		$	444		$	437		$	438		$	345		$	486		$	507		$	487

Average Assets (in billions of dollars)				$	133		$	133		$	138		$	141		$	141		$	151		$	163		$	170		$	178		$	186		$	192
Return on Assets					1.11	%		1.32	%		1.26	%		1.12	%		1.27	%		1.16	%		1.07	%		0.81	%		1.11	%		1.09	%		1.01	%
Average Risk Capital																$	2,321		$	2,654		$	2,805		$	2,977		$	3,291		$	3,341		$	3,218
Return on Risk Capital																	77	%		66	%		62	%		46	%		60	%		61	%		60	%
Return on Invested Capital																	35	%		32	%		31	%		23	%		38	%		32	%		31	%
Net Income by Business:
		Real Estate Lending		$	273		$	341		$	350		$	304		$	334		$	304		$	313		$	229		$	363		$	356		$	318
		Student Loans			50			47			37			45			58			56			55			58			52			62			62
		Auto			40			50			51			48			52			77			70			58			71			89			107

			Total Net Income	$	363		$	438		$	438		$	397		$	444		$	437		$	438		$	345		$	486		$	507		$	487

Reclassified to reflect the Global Consumer reorganization.

GLOBAL CONSUMER
U.S.
CONSUMER LENDING—Page 2

			1Q 2003			2Q 2003			3Q 2003			4Q 2003			1Q 2004			2Q 2004			3Q 2004			4Q 2004			1Q 2005			2Q 2005			3Q 2005
KEY INDICATORS:
Real Estate Lending—Balances (in billions of dollars)
	Average Loans		$	86.6		$	85.8		$	86.5		$	91.2		$	96.5		$	102.9		$	110.0		$	117.3		$	122.2		$	126.5		$	132.2
	Originations		$	25.3		$	27.3		$	41.6		$	26.1		$	24.8		$	33.6		$	27.2		$	29.7		$	25.9		$	33.3		$	37.0
	Third Party Mortgage Servicing Portfolio (EOP)		$	74.9		$	80.6		$	82.0		$	162.9		$	174.5		$	170.1		$	297.5		$	291.3		$	288.8		$	287.2		$	293.5
	Net Servicing & Gain/(Loss) on Sale—(in millions of dollars)		$	37.7		$	218.5		$	257.0		$	46.9		$	107.1		$	(84.0	)	$	25.8		$	(48.5	)	$	82.3		$	82.3		$	51.9
	Net Interest Revenue—(in millions of dollars)		$	774		$	740		$	733		$	779		$	754		$	800		$	766		$	792		$	831		$	793		$	774
		NIR as a % of Average Loans		3.62	%		3.46	%		3.36	%		3.39	%		3.14	%		3.13	%		2.77	%		2.69	%		2.76	%		2.51	%		2.32	%
	Net Credit Loss Ratio			0.53	%		0.56	%		0.44	%		0.37	%		0.37	%		0.29	%		0.28	%		0.22	%		0.23	%		0.19	%		0.17	%
	Loans 90+Days Past Due—(in millions of dollars)		$	2,323		$	2,201		$	2,088		$	2,054		$	1,822		$	1,627		$	2,066		$	2,078		$	1,911		$	1,672		$	1,697
	% of EOP Loans			2.70	%		2.63	%		2.37	%		2.20	%		1.83	%		1.51	%		1.82	%		1.72	%		1.54	%		1.31	%		1.24	%
Student Loans—Balances (in billions of dollars):
	Average Loans(1)		$	22.0		$	22.3		$	22.7		$	23.5		$	24.5		$	24.5		$	25.2		$	25.9		$	26.8		$	27.3		$	26.8
	Originations		$	2.3		$	0.8		$	2.2		$	1.5		$	2.2		$	1.0		$	2.6		$	2.0		$	2.6		$	1.6		$	3.8
	Net Interest Revenue—(in millions of dollars)		$	128		$	129		$	104		$	116		$	139		$	145		$	148		$	147		$	134		$	129		$	121
	NIR as a % of Average Loans			2.36	%		2.32	%		1.82	%		1.96	%		2.28	%		2.38	%		2.34	%		2.26	%		2.03	%		1.90	%		1.79	%
	Net Credit Loss Ratio			0.04	%		0.07	%		0.06	%		0.07	%		0.04	%		0.06	%		0.02	%		0.03	%		0.02	%		0.08	%		0.03	%
	Loans 90+Days Past Due—(in millions of dollars)		$	690		$	726		$	699		$	700		$	706		$	738		$	711		$	696		$	773		$	792		$	814
	% of EOP Loans			3.10	%		3.25	%		3.00	%		2.94	%		2.89	%		2.99	%		2.72	%		2.72	%		2.84	%		3.02	%		3.06	%
Auto—(in billions of dollars):
	Average Loans		$	8.8		$	9.2		$	9.5		$	9.8		$	10.0		$	10.3		$	10.6		$	10.9		$	11.0		$	11.4		$	11.9
	Originations		$	1.2		$	1.2		$	1.3		$	1.1		$	1.3		$	1.4		$	1.4		$	1.2		$	1.4		$	1.6		$	1.9
	Net Interest Revenue—(in millions of dollars)		$	297		$	306		$	299		$	304		$	310		$	310		$	292		$	313		$	308		$	305		$	314
		NIR as a % of Average Loans		13.69	%		13.34	%		12.49	%		12.31	%		12.47	%		12.10	%		10.96	%		11.42	%		11.36	%		10.73	%		10.47	%
	Net Credit Margin (NCM)—(in millions of dollars)		$	162		$	177		$	163		$	177		$	179		$	212		$	178		$	190		$	204		$	231		$	213
		NCM as a % of Average Loans		7.47	%		7.72	%		6.81	%		7.17	%		7.20	%		8.28	%		6.68	%		6.93	%		7.52	%		8.13	%		7.10	%
	Net Credit Loss Ratio			6.29	%		5.55	%		5.91	%		5.37	%		5.59	%		4.02	%		4.54	%		4.85	%		4.17	%		2.81	%		3.70	%
	Loans 90+Days Past Due—(in millions of dollars)		$	128		$	127		$	138		$	148		$	108		$	88		$	108		$	114		$	74		$	75		$	97
	% of EOP Loans			1.43	%		1.36	%		1.42	%		1.51	%		1.07	%		0.84	%		1.01	%		1.04	%		0.66	%		0.65	%		0.80	%

(1): includes approximately $2 billion of Loans Held For Sale each quarter

NM Not Meaningful

Reclassified to reflect the Global Consumer reorganization.

GLOBAL CONSUMER
U.S.
COMMERCIAL BUSINESS
(In millions of dollars)

		1Q 2003			2Q 2003			3Q 2003			4Q 2003			1Q 2004			2Q 2004			3Q 2004			4Q 2004			1Q 2005			2Q 2005			3Q 2005
Total Revenues, Net of Interest Expense		$	527		$	511		$	511		$	479		$	474		$	619		$	620		$	581		$	678		$	491		$	649
Total Operating Expenses			226			233			253			230			214			371			352			370			341			335			308
	Net Credit Losses		158			122			103			84			47			32			41			78			12			12			8
	Specific and Unallocated Credit Reserve Build / (Release)		(17	)		(20	)		(10	)		(44	)		(10	)		(53	)		(145	)		(108	)		(12	)		(6	)		13

Total Provision for Loan Losses			141			102			93			40			37			(21	)		(104	)		(30	)		—			6			21

Income Before Taxes			160			176			165			209			223			269			372			241			337			150			320
Income Taxes			24			53			44			64			62			79			113			86			85			16			98

Net Income		$	136		$	123		$	121		$	145		$	161		$	190		$	259		$	155		$	252		$	134		$	222

Average Assets (in billions of dollars)		$	41		$	41		$	40		$	38		$	37		$	37		$	37		$	38		$	36		$	38		$	39
Return on Assets			1.35	%		1.20	%		1.20	%		1.51	%		1.75	%		2.07	%		2.78	%		1.62	%		2.84	%		1.41	%		2.26	%
Average Risk Capital														$	2,093		$	2,048		$	1,891		$	1,872		$	1,969		$	1,825		$	1,698
Return on Risk Capital															31	%		37	%		54	%		33	%		52	%		29	%		52	%
Return on Invested Capital															22	%		26	%		38	%		22	%		37	%		19	%		31	%
KEY INDICATORS (in billions of dollars):
Total Deposits		$	11.4		$	11.6		$	12.4		$	13.5		$	14.1		$	14.4		$	14.3		$	15.0		$	15.1		$	16.9		$	18.6
Commercial Real Estate		$	10.7		$	10.5		$	10.8		$	11.4		$	11.5		$	11.5		$	11.7		$	12.0		$	12.4		$	14.2		$	14.5
Equipment Leasing			14.7			14.6			14.5			14.1			13.7			13.4			12.8			12.8			12.7			13.1			13.1
Other			1.9			1.9			1.8			1.7			1.7			1.7			1.8			2.0			2.2			3.2			3.3

Average Loans		$	27.3		$	27.0		$	27.1		$	27.2		$	26.9		$	26.6		$	26.3		$	26.8		$	27.3		$	30.5		$	30.9
Average Loans—Liquidating			10.6			9.6			8.6			7.0			6.3			5.9			5.4			5.3			2.4			0.8			0.6

Average Loans—Total		$	37.9		$	36.6		$	35.7		$	34.2		$	33.2		$	32.5		$	31.7		$	32.1		$	29.7		$	31.3		$	31.5
Operating Leases		$	—		$	—		$	—		$	—			0.2			0.7			2.1			2.1			1.8			1.6			1.6

Total Average Earning Assets		$	37.9		$	36.6		$	35.7		$	34.2		$	33.4		$	33.2		$	33.8		$	34.2		$	31.5		$	32.9		$	33.1

Net Interest Revenue—(in millions of dollars)		$	502		$	457		$	463		$	454		$	449		$	398		$	392		$	359		$	329		$	322		$	372
Net Credit Loss Ratio			1.69	%		1.33	%		1.16	%		0.98	%		0.57	%		0.40	%		0.52	%		0.97	%		0.17	%		0.15	%		0.10	%
Loans 90+Days Past Due—(in millions of dollars)		$	550		$	498		$	461		$	339		$	329		$	254		$	224		$	188		$	185		$	148		$	175
% of EOP Loans			1.93	%		1.40	%		1.38	%		1.02	%		1.02	%		0.84	%		0.72	%		0.58	%		0.60	%		0.47	%		0.54	%

NM Not Meaningful

Reclassified to reflect the Global Consumer reorganization.

GLOBAL CONSUMER
INTERNATIONAL
CARDS — Page 1
(In millions of dollars)

		1Q 2003			2Q 2003			3Q 2003			4Q 2003			1Q 2004			2Q 2004			3Q 2004			4Q 2004			1Q 2005			2Q 2005			3Q 2005
Total Revenues, Net of Interest Expense
	Mexico	$	119		$	146		$	164		$	132		$	206		$	194		$	228		$	242		$	269		$	307		$	353
	EMEA		219			213			243			289			295			286			280			296			294			285			302
	Japan		61			62			67			69			68			73			74			80			73			76			76
	Asia (excluding Japan)		270			281			305			327			322			362			378			410			401			423			414
	Latin America		50			51			58			58			54			60			54			112			68			85			64

	Total Revenues, Net of Interest Expense		719			753			837			875			945			975			1,014			1,140			1,105			1,176			1,209
Total Operating Expenses			391			384			408			491			484			522			527			598			568			577			561
	Net Credit Losses		126			143			146			143			151			137			174			151			160			157			168
	Specific and Unallocated Credit Reserve Build / (Release)		19			(2	)		(39	)		—			—			(9	)		(85	)		(9	)		(5	)		18			24

Total Provision for Loan Losses			145			141			107			143			151			128			89			142			155			175			192
Income Before Taxes and Minority Interest			183			228			322			241			310			325			398			400			382			424			456
Income Taxes and Minority Interest			48			58			82			61			66			75			97			58			80			93			73

Net Income		$	135		$	170		$	240		$	180		$	244		$	250		$	301		$	342		$	302		$	331		$	383

Average Assets (in billions of dollars)		$	16		$	16		$	17		$	19		$	20		$	21		$	21		$	23		$	25		$	26		$	26
Return on Assets			3.42	%		4.26	%		5.60	%		3.76	%		4.91	%		5.03	%		5.70	%		5.92	%		4.90	%		5.11	%		5.84	%
Average Risk Capital														$	1,182		$	1,225		$	1,209		$	1,342		$	1,595		$	1,758		$	1,855
Return on Risk Capital															83	%		82	%		99	%		101	%		77	%		76	%		82	%
Return on Invested Capital															31	%		30	%		35	%		38	%		32	%		33	%		37	%
Net Income by Region:
	Mexico	$	36		$	61		$	75		$	56		$	97		$	88		$	102		$	90		$	127		$	125		$	204
	EMEA		21			27			33			20			37			36			35			56			32			34			34
	Japan		14			13			15			16			21			22			26			31			17			17			17
	Asia (excluding Japan)		52			54			64			71			71			82			110			113			101			117			107
	Latin America		12			15			53			17			18			22			28			52			25			38			21

	Total	$	135		$	170		$	240		$	180		$	244		$	250		$	301		$	342		$	302		$	331		$	383

GLOBAL CONSUMER
INTERNATIONAL
CARDS — Page 2
(In millions of dollars)

			1Q 2003			2Q 2003			3Q 2003			4Q 2003			1Q 2004			2Q 2004			3Q 2004			4Q 2004			1Q 2005			2Q 2005			3Q 2005
KEY INDICATORS (in billions of dollars)
Average Yield				17.87	%		17.45	%		16.58	%		16.74	%		16.93	%		16.20	%		16.94	%		16.90	%		17.34	%		17.52	%		18.08	%
Net Interest Revenue (in millions of dollars)			$	425		$	435		$	467		$	536		$	569		$	559		$	597		$	629		$	647		$	673		$	710
	% of Average Loans			12.86	%		12.64	%		12.60	%		13.13	%		13.54	%		12.56	%		12.84	%		12.33	%		12.26	%		12.16	%		12.41	%
Net Credit Margin (in millions of dollars)			$	593		$	610		$	691		$	732		$	795		$	839		$	840		$	989		$	945		$	1,019		$	1,041
	% of Average Loans			17.95	%		17.73	%		18.65	%		17.93	%		18.92	%		18.85	%		18.06	%		19.38	%		17.91	%		18.41	%		18.19	%
End of Period Loans			$	13.3		$	14.1		$	15.7		$	16.9		$	16.9		$	18.3		$	19.1		$	21.4		$	21.6		$	22.5		$	23.1
EOP Open Accounts (in millions)				17.1			17.3			18.9			19.2			19.6			24.5			24.8			24.7			25.2			25.9			26.5
Purchase Sales			$	9.8		$	10.5		$	11.7		$	13.3		$	12.8		$	14.2		$	15.0		$	17.1		$	16.1		$	17.1		$	17.3
Average Loans:
	Mexico		$	1.8		$	1.9		$	2.0		$	2.1		$	2.3		$	2.5		$	2.8		$	3.2		$	3.6		$	4.0		$	4.6
	EMEA			4.0			4.2			4.6			5.4			5.6			5.5			5.4			5.8			6.0			6.3			6.2
	Japan			1.0			1.0			1.1			1.2			1.2			1.2			1.2			1.4			1.3			1.3			1.3
	Asia (excluding Japan)			6.2			6.3			6.6			7.0			7.3			8.2			8.6			9.3			9.8			9.9			9.8
	Latin America			0.4			0.4			0.4			0.5			0.5			0.5			0.5			0.6			0.7			0.7			0.8

		Total	$	13.4		$	13.8		$	14.7		$	16.2		$	16.9		$	17.9		$	18.5		$	20.3		$	21.4		$	22.2		$	22.7

Coincident Net Credit Loss Ratio				3.81	%		4.16	%		3.96	%		3.54	%		3.60	%		3.06	%		3.76	%		2.95	%		3.02	%		2.84	%		2.94	%
12 Month Lagged Net Credit Loss Ratio				4.25	%		4.72	%		4.62	%		4.33	%		4.55	%		3.98	%		4.74	%		3.71	%		3.83	%		3.51	%		3.61	%
Loans 90+Days Past Due (in millions of dollars)			$	255		$	287		$	290		$	302		$	301		$	287		$	304		$	345		$	354		$	382		$	411
	% of EOP Loans			1.92	%		2.03	%		1.85	%		1.79	%		1.78	%		1.57	%		1.60	%		1.61	%		1.64	%		1.70	%		1.78	%

(1): Total Revenues, net of Interest Expense, less Net Credit Losses.
(2): Purchase Sales represents cutomers' purchased sales plus cash advances.

Reclassified to reflect the Global Consumer reorganization.

GLOBAL CONSUMER
INTERNATIONAL
CONSUMER FINANCE—Page 1
(In millions of dollars)

			1Q 2003			2Q 2003			3Q 2003			4Q 2003			1Q 2004			2Q 2004			3Q 2004			4Q 2004			1Q 2005			2Q 2005			3Q 2005
Total Revenues, Net of Interest Expense:
	Mexico		$	34		$	37		$	40		$	39		$	41		$	39		$	42		$	43		$	43		$	44		$	47
	EMEA			136			145			158			167			171			185			172			189			189			185			185
	Japan			746			638			639			641			622			621			635			648			627			635			609
	Asia (excluding Japan)			22			24			28			33			36			42			47			53			61			69			78
	Latin America			20			21			21			22			24			24			23			25			28			30			31

Total Revenues, Net of Interest Expense			$	958		$	865		$	886		$	902		$	894		$	911		$	919		$	958		$	948		$	963		$	950
Total Operating Expenses				344			340			362			397			355			354			362			408			437			380			397
	Net Credit Losses			345			388			384			360			347			347			349			343			316			321			334
	Specific and Unallocated Credit Reserve Build / (Release)			30			8			(4	)		7			—			—			(24	)		—			—			1			(10	)
	Provision for Benefits & Claims			—			—			—			—			1			1			—			—			(1	)		—			—

Total Provisions for Loan Losses, and Benefits and Claims				375			396			380			367			348			348			325			343			315			322			324

Income Before Taxes				239			129			144			138			191			209			232			207			196			261			229
Income Taxes				68			(57	)		31			29			59			62			72			60			57			84			77

Net Income			$	171		$	186		$	113		$	109		$	132		$	147		$	160		$	147		$	139		$	177		$	152

Average Assets (in billions of dollars)			$	26		$	27		$	25		$	26		$	26		$	25		$	25		$	27		$	27		$	26		$	25
Return on Assets				2.67	%		2.76	%		1.79	%		1.66	%		2.04	%		2.36	%		2.55	%		2.17	%		2.09	%		2.73	%		2.41	%
Average Risk Capital															$	1,060		$	1,075		$	945		$	932		$	934		$	920		$	919
Return on Risk Capital																50	%		55	%		67	%		63	%		60	%		77	%		66	%
Return on Invested Capital																14	%		16	%		18	%		16	%		16	%		20	%		18	%
Net Income (loss) by Region:
	Mexico		$	9		$	10		$	10		$	8		$	10		$	11		$	11		$	9		$	9		$	8		$	9
	EMEA			27			29			36			42			33			37			28			28			(4	)		16			3
	Japan			132			146			61			53			81			88			95			98			122			137			122
	Asia (excluding Japan)			2			2			4			4			5			7			8			9			9			13			16
	Latin America			1			(1	)		2			2			3			4			18			3			3			3			2

		Total	$	171		$	186		$	113		$	109		$	132		$	147		$	160		$	147		$	139		$	177		$	152

Reclassified to reflect the Global Consumer reorganization.

GLOBAL CONSUMER
INTERNATIONAL
CONSUMER FINANCE—Page 2
(In millions of dollars)

			1Q 2003			2Q 2003			3Q 2003			4Q 2003			1Q 2004			2Q 2004			3Q 2004			4Q 2004			1Q 2005			2Q 2005			3Q 2005
KEY INDICATORS:
Average Loans (in billions of dollars):
	Real estate secured loans		$	6.0		$	6.1		$	6.0		$	6.4		$	6.7		$	6.7		$	7.2		$	8.1		$	8.3		$	8.1		$	8.0
	Personal loans			12.1			11.7			11.7			12.4			12.7			12.3			12.2			13.0			13.0			12.9			12.8
	Auto			2.0			1.9			1.7			1.6			1.4			1.2			1.0			0.9			0.8			0.6			0.5
	Sales finance and other			1.2			1.2			1.2			1.1			1.1			0.9			0.8			0.9			0.7			0.8			0.6

		Total	$	21.3		$	20.9		$	20.6		$	21.5		$	21.9		$	21.1		$	21.2		$	22.9		$	22.8		$	22.4		$	21.9

Average Yield				19.77	%		18.31	%		18.37	%		18.53	%		17.93	%		18.55	%		18.50	%		18.33	%		18.31	%		18.90	%		18.87	%
Net Interest Revenue—(in millions of dollars)			$	941		$	851		$	859		$	910		$	883		$	892		$	889		$	935		$	920		$	930		$	910
Net Interest Revenue as a % of Average Loans				17.92	%		16.33	%		16.54	%		16.79	%		16.22	%		17.00	%		16.68	%		16.24	%		16.36	%		16.65	%		16.49	%
Net Credit Margin (NCM)—(in millions of dollars)			$	613		$	477		$	503		$	541		$	547		$	563		$	570		$	615		$	632		$	642		$	617
	NCM as a % of Average Loans			11.67	%		9.15	%		9.69	%		9.98	%		10.05	%		10.73	%		10.70	%		10.68	%		11.24	%		11.50	%		11.18	%
Net Credit Loss Ratio				6.57	%		7.45	%		7.38	%		6.66	%		6.37	%		6.63	%		6.55	%		5.96	%		5.62	%		5.75	%		6.03	%
Loans 90+ Days Past Due—(in millions of dollars)			$	399		$	506		$	488		$	543		$	543		$	509		$	464		$	494		$	480		$	477		$	467
	% of EOP Loans			1.93	%		2.46	%		2.31	%		2.50	%		2.46	%		2.38	%		2.17	%		2.13	%		2.12	%		2.17	%		2.13	%
Number of Sales Points:
	Japan Branches			840			813			739			552			530			530			529			405			405			405			392
	Japan Automated Loan Machines (ALMs)			371			371			371			372			382			380			419			512			523			588			654

		Total Japan		1,211			1,184			1,110			924			912			910			948			917			928			993			1,046
	Mexico Branches			146			154			162			162			162			162			174			190			217			233			255
	EMEA Branches			135			168			176			188			199			228			234			252			264			277			282
	Asia (excluding Japan) Branches			72			80			96			101			119			146			173			196			224			250			293
	Latin America Branches			100			104			83			89			92			93			103			116			118			128			138

		Total		1,664			1,690			1,627			1,464			1,484			1,539			1,632			1,671			1,751			1,881			2,014

Japan:
	Average Loans (in billions of dollars)		$	12.6		$	11.9		$	11.7		$	12.0		$	11.9		$	11.4		$	10.8		$	11.2		$	10.9		$	10.5		$	10.0
	Net Credit Loss Ratio			9.98	%		11.42	%		11.39	%		10.46	%		10.08	%		10.45	%		10.99	%		10.36	%		9.25	%		9.68	%		9.77	%
	Net Income		$	132		$	146		$	61		$	53		$	81		$	88		$	95		$	98		$	122		$	137		$	122

Reclassified to reflect the Global Consumer reorganization.

GLOBAL CONSUMER
INTERNATIONAL
RETAIL BANKING—Page 1
(In millions of dollars)

			1Q 2003			2Q 2003			3Q 2003			4Q 2003			1Q 2004			2Q 2004			3Q 2004			4Q 2004			1Q 2005			2Q 2005			3Q 2005
Total Revenues, Net of Interest Expense:
	Mexico		$	538		$	610		$	490		$	622		$	606		$	609		$	635		$	722		$	648		$	704		$	739
	EMEA			549			584			615			639			686			722			687			766			765			786			784
	Japan			108			113			117			113			125			118			113			113			121			116			118
	Asia (excluding Japan)			390			418			422			421			466			540			574			583			610			624			649
	Latin America			129			129			175			130			151			139			148			165			161			166			184

	Total Revenues, Net of Interest Expense			1,714			1,854			1,819			1,925			2,034			2,128			2,157			2,349			2,305			2,396			2,474
Total Operating Expenses				1,058			1,141			1,092			1,196			1,183			1,175			1,225			1,356			1,417			1,363			1,322
	Net Credit Losses			106			127			125			100			127			156			156			176			179			181			1,288
	Specific and Unallocated Credit Reserve Build / (Release)			2			16			(125	)		—			4			(12	)		(9	)		5			(9	)		19			(649	)
	Provision for Benefits & Claims			44			36			30			39			39			51			42			44			33			33			42

Total Provisions for Loan Losses, and Benefits and Claims				152			179			30			139			170			195			189			225			203			233			681

Income Before Taxes and Minority Interest				504			534			697			590			681			758			743			768			685			800			471
Income Taxes and Minority Interest				126			125			202			120			185			215			210			183			187			207			44

Net Income			$	378		$	409		$	495		$	470		$	496		$	543		$	533		$	585		$	498		$	593		$	427

Average Assets (in billions of dollars)			$	82		$	87		$	86		$	87		$	91		$	103		$	108		$	111		$	113		$	114		$	115
Return on Assets				1.87	%		1.89	%		2.28	%		2.14	%		2.19	%		2.12	%		1.96	%		2.10	%		1.79	%		2.09	%		1.47	%
Average Risk Capital															$	8,768		$	8,652		$	9,228		$	9,619		$	9,983		$	10,663		$	10,802
Return on Risk Capital																23	%		25	%		23	%		24	%		20	%		22	%		16	%
Return on Invested Capital																12	%		14	%		13	%		13	%		12	%		13	%		9	%
Net Income (loss) by Region:
	Mexico		$	102		$	135		$	129		$	154		$	121		$	136		$	135		$	168		$	141		$	235		$	298
	EMEA			101			99			118			127			132			151			89			140			94			74			(191	)
	Japan			30			36			30			37			40			37			43			34			36			34			30
	Asia (excluding Japan)			132			142			144			140			171			191			215			206			201			211			252
	Latin America			13			(3	)		74			12			32			28			51			37			26			39			38

		Total	$	378		$	409		$	495		$	470		$	496		$	543		$	533		$	585		$	498		$	593		$	427

KEY INDICATORS:
Net Interest Revenue			$	1,100		$	1,062		$	1,109		$	1,168		$	1,196		$	1,232		$	1,339		$	1,472		$	1,435		$	1,516		$	1,375
Net Credit Loss Ratio				1.05	%		1.19	%		1.19	%		0.90	%		1.14	%		1.21	%		1.09	%		1.15	%		1.17	%		1.17	%		8.20	%
Loans 90+Days Past Due (in millions of dollars)			$	1,880		$	1,790		$	1,863		$	2,051		$	2,087		$	2,070		$	1,974		$	2,086		$	2,013		$	1,901		$	770
	% of EOP Loans			4.55	%		4.22	%		4.38	%		4.61	%		4.70	%		3.71	%		3.47	%		3.36	%		3.26	%		3.09	%		1.26	%
Branches by Region:
	Mexico			1,413			1,409			1,408			1,401			1,357			1,347			1,347			1,349			1,346			1,334			1,335
	EMEA			592			582			596			597			596			599			604			606			612			619			618
	Japan			24			24			25			25			25			25			25			25			25			25			25
	Asia (excluding Japan)			98			98			103			105			106			341			342			347			354			394			396
	Latin America			161			158			152			141			141			145			147			151			153			158			162

		Total		2,288			2,271			2,284			2,269			2,225			2,457			2,465			2,478			2,490			2,530			2,536

Reclassified to reflect the Global Consumer reorganization.

GLOBAL CONSUMER
INTERNATIONAL
RETAIL BANKING—Page 2

			1Q 2003		2Q 2003		3Q 2003		4Q 2003		1Q 2004		2Q 2004		3Q 2004		4Q 2004		1Q 2005		2Q 2005		3Q 2005
KEY INDICATORS (Continued):
International—Balances (in billions of dollars)
	Checking, Savings & Money Market Deposits		$	49.0	$	51.5	$	54.5	$	59.2	$	63.7	$	66.5	$	67.4	$	70.6	$	72.5	$	71.0	$	70.6
	Time Deposits, CDs and Other			54.4		54.0		52.6		53.3		54.5		57.5		58.8		61.2		63.2		63.3		65.5

		Total Average Deposits	$	103.4	$	105.5	$	107.1	$	112.5	$	118.2	$	124.0	$	126.2	$	131.8	$	135.7	$	134.3	$	136.1

	Investment Sales (in millions of dollars)		$	6.9	$	9.3	$	9.4	$	9.1	$	11.2	$	10.4	$	9.3	$	10.4	$	12.5	$	11.4	$	13.6
	Investment AUMs (EOP)		$	48.5	$	54.0	$	55.5	$	58.9	$	69.9	$	69.3	$	73.4	$	79.0	$	81.8	$	84.5	$	91.7
	Other (primarily Retirement Services)			16.5		18.6		18.1		18.6		20.3		22.5		22.8		24.4		24.0		24.2		24.6

		Total AUMs	$	65.0	$	72.6	$	73.6	$	77.5	$	90.2	$	91.8	$	96.2	$	103.4	$	105.8	$	108.7	$	116.3

Average Customer Deposits by Region (in billions of dollars):
	Mexico		$	21.3	$	21.2	$	20.1	$	20.5	$	21.4	$	21.4	$	21.2	$	21.9	$	23.0	$	23.1	$	23.6
	EMEA			18.3		19.2		20.0		22.0		23.9		24.2		24.0		25.4		25.9		25.3		26.7
	Japan			18.9		19.1		20.3		22.0		22.6		21.7		21.6		21.9		21.9		21.2		21.1
	Asia (excluding Japan)			37.9		38.9		39.9		41.3		43.7		50.0		52.5		55.7		57.9		57.6		57.7
	Latin America			7.0		7.1		6.8		6.7		6.6		6.7		6.9		6.9		7.0		7.1		7.0

		Total	$	103.4	$	105.5	$	107.1	$	112.5	$	118.2	$	124.0	$	126.2	$	131.8	$	135.7	$	134.3	$	136.1

Average Loans by Region (in billions of dollars):
	Mexico		$	6.6	$	6.8	$	6.3	$	6.3	$	6.3	$	6.2	$	6.2	$	6.9	$	7.3	$	7.6	$	7.8
	EMEA			15.2		16.5		16.4		17.7		18.2		18.1		18.4		19.6		19.3		18.7		18.5
	Japan			1.1		0.3		0.3		0.3		0.3		0.3		0.3		0.3		0.3		0.2		0.7
	Asia (excluding Japan)			16.8		17.6		18.0		18.6		19.0		26.6		31.0		33.3		34.3		34.6		34.4
	Latin America			1.3		1.3		1.2		1.0		0.9		0.8		0.8		0.8		0.8		0.8		0.9

		Total	$	41.0	$	42.5	$	42.2	$	43.9	$	44.7	$	52.0	$	56.7	$	60.9	$	62.0	$	61.9	$	62.3

Average Loans by Type (in billions of dollars):
	Mortgage		$	15.1	$	15.3	$	15.3	$	15.4	$	15.0	$	19.1	$	21.3	$	22.6	$	23.3	$	23.6	$	23.5
	Auto			2.2		2.3		2.4		2.4		2.5		2.6		2.7		2.7		2.7		2.7		2.6
	Personal			18.3		19.2		19.3		20.5		21.0		22.0		23.2		25.7		26.4		26.3		26.5
	Commercial			5.4		5.7		5.2		5.4		5.6		7.1		7.8		7.7		7.7		7.8		7.8
	Other			—		—		—		0.2		0.6		1.2		1.7		2.2		1.9		1.5		1.9

		Total	$	41.0	$	42.5	$	42.2	$	43.9	$	44.7	$	52.0	$	56.7	$	60.9	$	62.0	$	61.9	$	62.3

EOP Accounts by Region:
	Mexico			15.1		15.8		15.9		16.4		16.9		17.2		17.3		17.7		17.1		17.5		17.9
	EMEA			7.4		7.6		7.6		7.7		7.9		8.0		8.1		8.3		8.4		8.6		8.7
	Japan			2.1		2.1		2.2		2.2		2.2		2.2		2.1		2.1		2.1		2.1		2.1
	Asia (excluding Japan)			5.0		5.2		5.3		5.5		5.8		11.5		11.8		11.4		11.7		11.9		12.2
	Latin America			6.7		6.7		6.6		6.6		6.5		6.1		6.1		6.2		6.4		6.5		6.6

		Total		36.3		37.4		37.6		38.4		39.3		45.0		45.4		45.7		45.7		46.6		47.5

Reclassified to reflect the Global Consumer reorganization.

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