CITIGROUP — FINANCIAL SUMMARY

(In millions of dollars, except per share amounts)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Total Revenues, Net of Interest Expense	$	25,421		$	22,071		$	20,738		$	18,371		$	19,726		$	20,622		$	20,831		$	17,174		(7	)%	$	86,601		$	78,353		(10	)%
Total Operating Expenses	11,518			11,866			11,520			12,471			12,326			12,936			12,460			12,936			4	%	47,375			50,658			7	%
Net Credit Losses	8,384			7,962			7,659			6,854			6,269			5,147			4,514			4,108			(40	)%	30,859			20,038			(35	)%
Credit Reserve Build / (Release)	(18		)	(1,439		)	(1,993		)	(2,215		)	(3,370		)	(1,966		)	(1,465		)	(1,464		)	34	%	(5,665		)	(8,265		)	(46	)%
Provision for Unfunded Lending Commitments	(35		)	(71		)	26			(37		)	25			(13		)	43			(4		)	89	%	(117		)	51			NM
Provision for Benefits & Claims	287			213			227			238			260			219			259			234			(2	)%	965			972			1	%
Provision for Credit Losses and for Benefits and Claims	8,618			6,665			5,919			4,840			3,184			3,387			3,351			2,874			(41	)%	26,042			12,796			(51	)%
Income from Continuing Operations before Income Taxes	5,285			3,540			3,299			1,060			4,216			4,299			5,020			1,364			29	%	13,184			14,899			13	%
Income Taxes (benefits)	1,036			812			698			(313		)	1,185			967			1,278			157			NM		2,233			3,587			61	%
Income from Continuing Operations	$	4,249		$	2,728		$	2,601		$	1,373		$	3,031		$	3,332		$	3,742		$	1,207		(12	)%	$	10,951		$	11,312		3	%
Income (Loss) from Discontinued Operations, net of Taxes	211			(3		)	(374		)	98			40			71			1			—			(100	)%	(68		)	112			NM
Net Income before Attribution of Noncontrolling Interests	4,460			2,725			2,227			1,471			3,071			3,403			3,743			1,207			(18	)%	10,883			11,424			5	%
Net Income Attributable to Noncontrolling Interests	32			28			59			162			72			62			(28		)	42			(74	)%	281			148			(47	)%
Citigroup’s Net Income	$	4,428		$	2,697		$	2,168		$	1,309		$	2,999		$	3,341		$	3,771		$	1,165		(11	)%	$	10,602		$	11,276		6	%

Diluted Earnings Per Share (1):
Income from Continuing Operations	$	1.43		$	0.90		$	0.83		$	0.40		$	0.97		$	1.07		$	1.23		$	0.38		(5	)%	$	3.55		$	3.66		3	%
Citigroup’s Net Income	$	1.50		$	0.90		$	0.72		$	0.43		$	0.99		$	1.09		$	1.23		$	0.38		(12	)%	$	3.54		$	3.69		4	%
Shares (in millions) (1):
Average Basic	2,844.4			2,884.9			2,887.8			2,893.3			2,904.4			2,908.6			2,910.8			2,915.2			1	%	2,877.6			2,909.8			1	%
Average Diluted	2,933.4			2,975.3			2,977.8			2,984.8			2,996.6			2,997.0			2,998.6			3,003.0			1	%	2,967.8			2,998.8			1	%
Common Shares Outstanding, at period end	2,862.0			2,897.5			2,905.0			2,905.8			2,920.6			2,917.9			2,923.7			2,923.9			1	%

Preferred Dividends - Basic (in millions)	$	—		$	—		$	—		$	9		$	4		$	9		$	4		$	9				$	9		$	26
Preferred Dividends - Diluted (in millions)	$	—		$	—		$	—		$	9		$	4		$	9		$	4		$	9				$	9		$	26

Income Allocated to Unrestricted Common Shareholders - Basic
Income from Continuing Operations	$	4,190		$	2,674		$	2,468		$	1,194		$	2,920		$	3,200		$	3,696		$	1,135		(5	)%	$	10,522		$	10,951		4	%
Citigroup’s Net Income	$	4,400		$	2,671		$	2,148		$	1,288		$	2,960		$	3,270		$	3,697		$	1,135		(12	)%	$	10,503		$	11,061		5	%

Income Allocated to Unrestricted Common Shareholders - Diluted
Income from Continuing Operations	$	4,191		$	2,675		$	2,469		$	1,195		$	2,921		$	3,206		$	3,702		$	1,138		(5	)%	$	10,525		$	10,967		4	%
Citigroup’s Net Income	$	4,400		$	2,672		$	2,149		$	1,289		$	2,961		$	3,276		$	3,703		$	1,138		(12	)%	$	10,505		$	11,077		5	%

Financial Ratios:
Tier 1 Common Ratio	9.11		%	9.71		%	10.33		%	10.75		%	11.34		%	11.62		%	11.71		%	11.8		%*
Tier 1 Capital Ratio	11.28		%	11.99		%	12.50		%	12.91		%	13.26		%	13.55		%	13.45		%	13.6		%*
Total Capital Ratio	14.88		%	15.59		%	16.14		%	16.59		%	16.98		%	17.18		%	16.89		%	17.0		%*
Leverage Ratio	6.16		%	6.31		%	6.57		%	6.60		%	7.00		%	7.05		%	7.01		%	7.2		%*
Return on Common Equity	12.0		%	7.0		%	5.4		%	3.2		%	7.3		%	7.7		%	8.4		%	2.6		%*

Balance Sheet Data, EOP (in billions, except Book Value per Share):
Total Assets	$	2,002.2		$	1,937.7		$	1,983.3		$	1,913.9		$	1,947.8		$	1,956.6		$	1,936.0		$	1,874.9	*	(2	)%
Total Deposits	827.9			814.0			850.1			845.0			865.9			866.3			851.3			866.9		*	3	%
Citigroup’s Stockholders’ Equity	151.4			154.8			162.9			163.5			171.0			176.4			177.4			178.0		*	9	%
Citigroup Equity and Trust Securities (included in LT Debt)	173.1			175.0			183.4			181.6			189.0			192.4			193.5			194.1		*	7	%
Book Value Per Share (1)	$	52.80		$	53.32		$	55.97		$	56.15		$	58.46		$	60.34		$	60.56		$	60.78	*	8	%
Tangible Book Value Per Share (1)	$	40.90		$	41.86		$	44.42		$	44.55		$	46.87		$	48.75		$	49.50		$	49.81	*	12	%

Direct Staff (in thousands)	263			259			258			260			260			263			267			266			2	%

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

* Preliminary

NM Not meaningful

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

Reclassified to conform to the current period’s presentation.

CITIGROUP CONSOLIDATED STATEMENT OF INCOME

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)
Revenues
Interest revenue	$	20,783		$	20,356		$	19,311		$	18,832		$	18,155		$	18,586		$	18,145		$	17,795		(6	)%	$	79,282		$	72,681		(8	)%
Interest expense	6,342			6,429			6,183			6,142			6,053			6,438			6,031			5,712			(7	)%	25,096			24,234			(3	)%
Net interest revenue	14,441			13,927			13,128			12,690			12,102			12,148			12,114			12,083			(5	)%	54,186			48,447			(11	)%

Commissions and fees	3,645			3,229			3,248			3,536			3,368			3,557			3,043			2,882			(18	)%	13,658			12,850			(6	)%
Principal transactions	4,116			2,362			2,085			(1,046		)	3,167			2,616			2,103			(652		)	38	%	7,517			7,234			(4	)%
Administrative and other fiduciary fees	1,022			910			976			1,097			1,097			1,068			945			885			(19	)%	4,005			3,995			—
Realized gains (losses) on investments (1)	31			69			742			158			(1,127		)	412			619			(161		)	NM		1,000			(257		)	NM
Insurance premiums	748			636			655			645			672			684			658			633			(2	)%	2,684			2,647			(1	)%
Other revenue	1,418			938			(96		)	1,291			447			137			1,349			1,504			16	%	3,551			3,437			(3	)%
Total non-interest revenues	10,980			8,144			7,610			5,681			7,624			8,474			8,717			5,091			(10	)%	32,415			29,906			(8	)%
Total revenues, net of interest expense	25,421			22,071			20,738			18,371			19,726			20,622			20,831			17,174			(7	)%	86,601			78,353			(10	)%

Provisions for Credit Losses and for Benefits and Claims

Net credit losses	8,384			7,962			7,659			6,854			6,269			5,147			4,514			4,108			(40	)%	30,859			20,038			(35	)%
Credit reserve build / (release)	(18		)	(1,439		)	(1,993		)	(2,215		)	(3,370		)	(1,966		)	(1,465		)	(1,464		)	34	%	(5,665		)	(8,265		)	(46	)%
Provision for loan losses	8,366			6,523			5,666			4,639			2,899			3,181			3,049			2,644			(43	)%	25,194			11,773			(53	)%
Policyholder benefits and claims	287			213			227			238			260			219			259			234			(2	)%	965			972			1	%
Provision for unfunded lending commitments	(35		)	(71		)	26			(37		)	25			(13		)	43			(4		)	89	%	(117		)	51			NM
Total provisions for credit losses and for benefits and claims	8,618			6,665			5,919			4,840			3,184			3,387			3,351			2,874			(41	)%	26,042			12,796			(51	)%

Operating Expenses
Compensation and benefits	6,162			5,961			6,117			6,190			6,409			6,669			6,223			6,387			3	%	24,430			25,688			5	%
Premises and Equipment	830			824			838			839			825			832			860			809			(4	)%	3,331			3,326			—
Technology / communication expense	1,199			1,195			1,257			1,273			1,214			1,275			1,306			1,338			5	%	4,924			5,133			4	%
Advertising and marketing expense	302			367			458			518			397			627			635			687			33	%	1,645			2,346			43	%
Other operating	3,025			3,519			2,850			3,651			3,481			3,533			3,436			3,715			2	%	13,045			14,165			9	%
Total operating expenses	11,518			11,866			11,520			12,471			12,326			12,936			12,460			12,936			4	%	47,375			50,658			7	%

Income from Continuing Operations before Income Taxes	5,285			3,540			3,299			1,060			4,216			4,299			5,020			1,364			29	%	13,184			14,899			13	%
Provision (benefits) for income taxes	1,036			812			698			(313		)	1,185			967			1,278			157			NM		2,233			3,587			61	%

Income from Continuing Operations	4,249			2,728			2,601			1,373			3,031			3,332			3,742			1,207			(12	)%	10,951			11,312			3	%
Discontinued Operations (2)
Income (Loss) from Discontinued Operations	(5		)	(3		)	8			72			60			(17		)	(5		)	(15		)			72			23
Gain (Loss) on Sale	94			—			(784		)	(12		)	4			126			16			9					(702		)	155
Provision (benefits) for income taxes	(122		)	—			(402		)	(38		)	24			38			10			(6		)			(562		)	66
Income (Loss) from Discontinued Operations, net of taxes	211			(3		)	(374		)	98			40			71			1			—			(100	)%	(68		)	112			NM
Net Income before attribution of Noncontrolling Interests	4,460			2,725			2,227			1,471			3,071			3,403			3,743			1,207			(18	)%	10,883			11,424			5	%

Net Income attributable to noncontrolling interests	32			28			59			162			72			62			(28		)	42			(74	)%	281			148			(47	)%
Citigroup’s Net Income	$	4,428		$	2,697		$	2,168		$	1,309		$	2,999		$	3,341		$	3,771		$	1,165		(11	)%	$	10,602		$	11,276		6	%

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

(2) Discontinued operations includes:

a) The sale of substantially all of Citigroup’s CitiCapital equipment finance unit to General Electric.

b) The sale of substantially all of Citigroup’s retail banking operations in Germany to Credit Mutuel.

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

d) The sale of The Student Loan Corporation.

e) The sale of the Egg Credit Card business.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITIGROUP CONSOLIDATED BALANCE SHEET

(In millions of dollars)

																									Dec 31, 2011 vs.
	March 31,			June 30,			September 30,			December 31,			March 31,			June 30,			September 30,			December 31,			Dec 31, 2010
	2010			2010			2010			2010			2011			2011			2011			2011 (1)			Inc (Decr)
Assets
Cash and due from banks (including segregated cash and other deposits)	$	25,678		$	24,709		$	26,342		$	27,972		$	27,842		$	27,766		$	28,950		$	28,701		3	%
Deposits with banks	163,525			160,780			150,071			162,437			163,603			156,181			159,338			156,880			(3	)%
Fed funds sold and securities borr’d or purch under agree. to resell	234,348			230,784			240,057			246,717			261,120			283,976			290,645			275,849			12	%
Brokerage receivables	34,001			36,872			37,138			31,213			40,901			40,695			37,992			27,777			(11	)%
Trading account assets	345,783			309,412			337,098			317,272			323,110			322,349			320,637			291,734			(8	)%
Investments
Available-for-sale and non-marketable equity securities	270,385			285,783			310,143			289,057			311,773			294,664			273,791			281,930			(2	)%
Held-to-maturity	46,348			31,283			30,107			29,107			15,484			14,910			12,866			11,483			(61	)%
Total Investments	316,733			317,066			340,250			318,164			327,257			309,574			286,657			293,413			(8	)%
Loans, net of unearned income
Consumer	529,669			503,546			461,104			455,732			438,913			440,444			424,626			423,731			(7	)%
Corporate	192,135			188,620			193,207			193,062			198,223			207,056			212,613			223,511			16	%
Loans, net of unearned income	721,804			692,166			654,311			648,794			637,136			647,500			637,239			647,242			—
Allowance for loan losses	(48,746		)	(46,197		)	(43,674		)	(40,655		)	(36,568		)	(34,362		)	(32,052		)	(30,115		)	26	%
Total loans, net	673,058			645,969			610,637			608,139			600,568			613,138			605,187			617,127			1	%
Goodwill	25,662			25,201			25,797			26,152			26,339			26,621			25,496			25,413			(3	)%
Intangible assets (other than MSRs)	8,277			7,868			7,705			7,504			7,280			7,136			6,800			6,600			(12	)%
Mortgage servicing rights (MSRs)	6,439			4,894			3,976			4,554			4,690			4,258			2,852			2,569			(44	)%
Other assets	168,709			174,101			172,800			163,778			162,433			164,932			171,438			148,845			(9	)%
Assets related to discontinued operations held for sale	—			—			31,409			—			2,672			—			—			—			—
Total assets	$	2,002,213		$	1,937,656		$	1,983,280		$	1,913,902		$	1,947,815		$	1,956,626		$	1,935,992		$	1,874,908		(2	)%

Liabilities
Non-interest-bearing deposits in U.S. offices	$	66,796		$	59,225		$	64,442		$	78,268		$	81,839		$	86,631		$	103,129		$	119,437		53	%
Interest-bearing deposits in U.S. offices	230,919			241,820			237,626			225,731			222,613			220,436			218,595			223,851			(1	)%
Total U.S. Deposits	297,715			301,045			302,068			303,999			304,452			307,067			321,724			343,288			13	%
Non-interest-bearing deposits in offices outside the U.S.	45,471			46,322			52,080			55,066			61,851			61,898			58,564			58,271			6	%
Interest-bearing deposits in offices outside the U.S.	484,728			466,584			495,947			485,903			499,560			497,345			470,993			465,291			(4	)%
Total International Deposits	530,199			512,906			548,027			540,969			561,411			559,243			529,557			523,562			(3	)%

Total deposits	827,914			813,951			850,095			844,968			865,863			866,310			851,281			866,850			3	%
Fed funds purch and securities loaned or sold under agree. to repurch.	207,911			196,112			192,065			189,558			187,825			203,843			223,612			198,373			5	%
Brokerage payables	55,041			54,774			51,517			51,749			50,394			57,245			56,093			56,696			10	%
Trading account liabilities	142,748			131,001			142,005			129,054			146,346			152,307			148,851			126,082			(2	)%
Short-term borrowings	96,694			92,752			87,013			78,790			78,622			72,889			65,818			54,623			(31	)%
Long-term debt	439,274			413,297			387,330			381,183			376,541			352,458			333,824			323,505			(15	)%
Other liabilities (2)	78,852			78,439			78,198			72,811			68,792			72,929			77,171			68,997			(5	)%
Liabilities related to discontinued operations held for sale	—			—			29,874			—			39			—			—			—			—
Total liabilities	$	1,848,434		$	1,780,326		$	1,818,097		$	1,748,113		$	1,774,422		$	1,777,981		$	1,756,650		$	1,695,126		(3	)%

Equity
Stockholders’ Equity
Preferred Stock	$	312		$	312		$	312		$	312		$	312		$	312		$	312		$	312		—
Common Stock	287			292			292			292			293			293			294			294			1	%
Additional paid-in capital	96,427			99,014			100,898			101,024			102,740			103,211			105,297			105,539			4	%
Retained earnings	73,432			76,130			78,260			79,559			82,554			85,857			89,602			90,729			14	%
Treasury stock	(1,178		)	(1,772		)	(1,540		)	(1,442		)	(878		)	(1,087		)	(1,089		)	(1,071		)	26	%
Accumulated other comprehensive income (loss)	(17,859		)	(19,170		)	(15,309		)	(16,277		)	(13,984		)	(12,222		)	(17,044		)	(17,788		)	(9	)%
Total Common Equity	$	151,109		$	154,494		$	162,601		$	163,156		$	170,725		$	176,052		$	177,060		$	177,703		9	%

Total Citigroup stockholders’ equity	$	151,421		$	154,806		$	162,913		$	163,468		$	171,037		$	176,364		$	177,372		$	178,015		9	%
Noncontrolling interests	2,358			2,524			2,270			2,321			2,356			2,281			1,970			1,767			(24	)%
Total equity	153,779			157,330			165,183			165,789			173,393			178,645			179,342			179,782			8	%
Total liabilities and equity	$	2,002,213		$	1,937,656		$	1,983,280		$	1,913,902		$	1,947,815		$	1,956,626		$	1,935,992		$	1,874,908		(2	)%

(1) Preliminary

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

Reclassified to conform to the current period’s presentation.

CITIGROUP

SEGMENT DETAIL

NET REVENUE

(In millions of dollars)

																						4Q11 vs.		Full			Full		FY 2011 vs.
	1Q		2Q		3Q			4Q			1Q			2Q		3Q			4Q			4Q10 Increase/		Year			Year		FY 2010 Increase/
	2010		2010		2010			2010			2011			2011		2011			2011			(Decrease)		2010			2011		(Decrease)

CITICORP
Regional Consumer Banking
North America	$	3,800	$	3,694	$	3,741		$	3,555		$	3,335		$	3,367	$	3,418		$	3,494		(2	)%	$	14,790		$	13,614	(8	)%
EMEA	403		374		347			379			396			388		363			332			(12	)%	1,503			1,479		(2	)%
Latin America	2,067		2,108		2,223			2,287			2,297			2,412		2,420			2,354			3	%	8,685			9,483		9	%
Asia	1,796		1,840		1,834			1,926			1,896			2,026		2,067			2,020			5	%	7,396			8,009		8	%
Total	8,066		8,016		8,145			8,147			7,924			8,193		8,268			8,200			1	%	32,374			32,585		1	%

Securities and Banking
North America	3,553		2,628		2,203			1,009			2,328			2,125		2,445			660			(35	)%	9,393			7,558		(20	)%
EMEA	2,517		1,763		1,735			834			2,061			1,642		2,299			1,219			46	%	6,849			7,221		5	%
Latin America	611		561		643			732			586			681		519			578			(21	)%	2,547			2,364		(7	)%
Asia	1,330		1,010		1,020			966			1,045			1,033		1,460			736			(24	)%	4,326			4,274		(1	)%
Total	8,011		5,962		5,601			3,541			6,020			5,481		6,723			3,193			(10	)%	23,115			21,417		(7	)%

Transaction Services
North America	640		635		621			589			609			609		620			604			3	%	2,485			2,442		(2	)%
EMEA	833		848		835			840			837			898		893			858			2	%	3,356			3,486		4	%
Latin America	349		363		389			415			416			436		442			411			(1	)%	1,516			1,705		12	%
Asia	623		665		698			728			698			731		759			748			3	%	2,714			2,936		8	%
Total	2,445		2,511		2,543			2,572			2,560			2,674		2,714			2,621			2	%	10,071			10,569		5	%

Total Citicorp	18,522		16,489		16,289			14,260			16,504			16,348		17,705			14,014			(2	)%	65,560			64,571		(2	)%

CITI HOLDINGS
Brokerage and Asset Management	340		141		(8		)	136			137			47		55			43			(68	)%	609			282		(54	)%
Local Consumer Lending	4,670		4,206		3,547			3,403			3,153			2,949		2,998			2,967			(13	)%	15,826			12,067		(24	)%
Special Asset Pool	1,540		572		314			426			(7		)	1,015		(227		)	(234		)	NM		2,852			547		(81	)%
Total Citi Holdings	6,550		4,919		3,853			3,965			3,283			4,011		2,826			2,776			(30	)%	19,287			12,896		(33	)%

Corporate / Other	349		663		596			146			(61		)	263		300			384			NM		1,754			886		(49	)%

Total Citigroup - Net Revenues	$	25,421	22,071		20,738			18,371			$	19,726		20,622		20,831			17,174			(7	)%	86,601			78,353		(10	)%

Credit Valuation Adjustment (DVA/CVA) {included in lines above} (1)	309		209		115			(1,102		)	(256		)	164		1,938			(40		)	96	%	(469		)	1,806		NM

Total Citigroup - Net Revenues - Excluding DVA/CVA	$	25,112	$	21,862	$	20,623		$	19,473		$	19,982		$	20,458	$	18,893		$	17,214		(12	)%	87,070			76,547		(12	)%

(1) Excludes CVA on Monolines.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITIGROUP

SEGMENT DETAIL

INCOME

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)
Income from Continuing Operations:

CITICORP
Regional Consumer Banking
North America	$	17		$	53		$	177		$	403		$	550		$	686		$	692		$	661		64	%	$	650		$	2,589		NM
EMEA	24			48			17			2			48			28			9			(6		)	NM		91			79			(13	)%
Latin America	365			466			532			426			478			402			344			377			(12	)%	1,789			1,601			(11	)%
Asia	565			563			496			507			460			485			567			415			(18	)%	2,131			1,927			(10	)%
Total	971			1,130			1,222			1,338			1,536			1,601			1,612			1,447			8	%	4,661			6,196			33	%

Securities and Banking
North America	1,423			816			430			(204		)	458			337			666			(450		)	NM		2,465			1,011			(59	)%
EMEA	1,020			355			499			(69		)	766			343			737			162			NM		1,805			2,008			11	%
Latin America	266			204			277			344			274			297			208			199			(42	)%	1,091			978			(10	)%
Asia	470			303			179			186			210			212			526			(50		)	NM		1,138			898			(21	)%
Total	3,179			1,678			1,385			257			1,708			1,189			2,137			(139		)	NM		6,499			4,895			(25	)%

Transaction Services
North America	160			157			127			85			114			137			121			75			(12	)%	529			447			(16	)%
EMEA	303			320			306			296			278			289			289			286			(3	)%	1,225			1,142			(7	)%
Latin America	156			157			174			177			174			161			169			141			(20	)%	664			645			(3	)%
Asia	320			297			319			319			285			291			318			279			(13	)%	1,255			1,173			(7	)%
Total	939			931			926			877			851			878			897			781			(11	)%	3,673			3,407			(7	)%

Total Citicorp	5,089			3,739			3,533			2,472			4,095			3,668			4,646			2,089			(15	)%	14,833			14,498			(2	)%

CITI HOLDINGS
Brokerage and Asset Management	76			(94		)	(153		)	(55		)	(10		)	(100		)	(83		)	(93		)	(69	)%	(226		)	(286		)	(27	)%
Local Consumer Lending	(1,829		)	(1,226		)	(830		)	(1,103		)	(599		)	(746		)	(585		)	(695		)	37	%	(4,988		)	(2,625		)	47	%
Special Asset Pool	878			116			(83		)	247			62			678			(127		)	(17		)	NM		1,158			596			(49	)%
Total Citi Holdings	(875		)	(1,204		)	(1,066		)	(911		)	(547		)	(168		)	(795		)	(805		)	12	%	(4,056		)	(2,315		)	43	%

Corporate / Other	35			193			134			(188		)	(517		)	(168		)	(109		)	(77		)	59	%	174			(871		)	NM

Income From Continuing Operations	4,249			2,728			2,601			1,373			3,031			3,332			3,742			1,207			(12	)%	10,951			11,312			3	%

Discontinued Operations	211			(3		)	(374		)	98			40			71			1			—					(68		)	112

Net Income Attributable to Noncontrolling Minority Interests	32			28			59			162			72			62			(28		)	42			(74	)%	281			148			(47	)%

Citigroup’s Net Income	$	4,428		$	2,697		$	2,168		$	1,309		$	2,999		$	3,341		$	3,771		$	1,165		(11	)%	$	10,602		$	11,276		6	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

STATEMENT OF INCOME AND BALANCE SHEET DATA

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)
Revenues
Net interest revenue	$	9,800		$	9,680		$	9,415		$	9,690		$	9,461		$	9,546		$	9,663		$	9,465		(2	)%	$	38,585		$	38,135		(1	)%
Non-Interest revenue	8,722			6,809			6,874			4,570			7,043			6,802			8,042			4,549			—		26,975			26,436			(2	)%
Total revenues, net of interest expense	18,522			16,489			16,289			14,260			16,504			16,348			17,705			14,014			(2	)%	65,560			64,571			(2	)%

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	3,142			2,965			3,020			2,662			2,318			2,153			1,933			1,903			(29	)%	11,789			8,307			(30	)%
Credit Reserve Build / (Release)	(360		)	(639		)	(427		)	(741		)	(1,258		)	(909		)	(630		)	(747		)	(1	)%	(2,167		)	(3,544		)	(64	)%
Provision for loan losses	2,782			2,326			2,593			1,921			1,060			1,244			1,303			1,156			(40	)%	9,622			4,763			(50	)%
Provision for Benefits & Claims	44			27			38			42			44			26			45			37			(12	)%	151			152			1	%
Provision for unfunded lending commitments	(7		)	(26		)	1			—			4			(5		)	45			48			—		(32		)	92			NM
Total provisions for credit losses and for benefits and claims	2,819			2,327			2,632			1,963			1,108			1,265			1,393			1,241			(37	)%	9,741			5,007			(49	)%

Total operating expenses	8,595			9,176			8,931			9,442			9,601			10,062			9,778			10,179			8	%	36,144			39,620			10	%

Income from Continuing Operations before Income Taxes	7,108			4,986			4,726			2,855			5,795			5,021			6,534			2,594			(9	)%	19,675			19,944			1	%
Provision for income taxes	2,019			1,247			1,193			383			1,700			1,353			1,888			505			32	%	4,842			5,446			12	%

Income from Continuing Operations	5,089			3,739			3,533			2,472			4,095			3,668			4,646			2,089			(15	)%	14,833			14,498			(2	)%
Net Income attributable to noncontrolling Minority Interests (Minority Interest)	21			20			30			51			11			12			6			27			(47	)%	122			56			(54	)%
Citicorp’s Net Income	$	5,068		$	3,719		$	3,503		$	2,421		$	4,084		$	3,656		$	4,640		$	2,062		(15	)%	$	14,711		$	14,442		(2	)%

Balance Sheet Data (in billions):

Total EOP Assets	$	1,236		$	1,211		$	1,283		$	1,284		$	1,330		$	1,380		$	1,364		$	1,320		3	%

Average Assets	$	1,233		$	1,250		$	1,252		$	1,294		$	1,323		$	1,381		$	1,381		$	1,348		4	%	$	1,257		$	1,358		8	%
Return on Assets	1.67		%	1.19		%	1.11		%	0.74		%	1.25		%	1.06		%	1.33		%	0.61		%			1.17		%	1.06		%
Total EOP Deposits	$	730		$	719		$	757		$	760		$	784		$	788		$	776		$	797		5	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

Page 1

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Net Interest Revenue	$	5,904		$	5,759		$	5,675		$	5,846		$	5,736		$	5,797		$	5,817		$	5,740		(2	)%	$	23,184		$	23,090		—
Non-Interest Revenue	2,162			2,257			2,470			2,301			2,188			2,396			2,451			2,460			7	%	9,190			9,495			3	%
Total Revenues, Net of Interest Expense	8,066			8,016			8,145			8,147			7,924			8,193			8,268			8,200			1	%	32,374			32,585			1	%
Total Operating Expenses	3,993			4,033			4,085			4,436			4,477			4,770			4,753			4,933			11	%	16,547			18,933			14	%
Net Credit Losses	3,039			2,922			2,730			2,525			2,108			2,003			1,846			1,731			(31	)%	11,216			7,688			(31	)%
Credit Reserve Build / (Release)	(183		)	(407		)	(400		)	(551		)	(864		)	(853		)	(662		)	(609		)	(11	)%	(1,541		)	(2,988		)	(94	)%
Provision for Unfunded Lending Commitments	1			(4		)	—			—			—			3			—			—			—		(3		)	3			NM
Provision for Benefits & Claims	44			27			38			42			44			26			45			37			(12	)%	151			152			1	%
Provision for Loan Losses and for Benefits and Claims	2,901			2,538			2,368			2,016			1,288			1,179			1,229			1,159			(43	)%	9,823			4,855			(51	)%
Income from Continuing Operations before Taxes	1,172			1,445			1,692			1,695			2,159			2,244			2,286			2,108			24	%	6,004			8,797			47	%
Income Taxes	201			315			470			357			623			643			674			661			85	%	1,343			2,601			94	%
Income from Continuing Operations	971			1,130			1,222			1,338			1,536			1,601			1,612			1,447			8	%	4,661			6,196			33	%
Net Income (loss) Attributable to Minority Interests	(5		)	—			(4		)	—			(2		)	3			1			(2		)	—		(9		)	—			100	%
Net Income	$	976		$	1,130		$	1,226		$	1,338		$	1,538		$	1,598		$	1,611		$	1,449		8	%	$	4,670		$	6,196		33	%
Average Assets (in billions of dollars)	$	307		$	304		$	309		$	317		$	325		$	337		$	338		$	339		7	%	$	309		$	335		8	%
Return on Assets	1.29		%	1.49		%	1.57		%	1.67		%	1.92		%	1.90		%	1.89		%	1.70		%			1.51		%	1.85		%

Net Credit Losses as a % of Average Loans	5.62		%	5.43		%	4.95		%	4.48		%	3.72		%	3.40		%	3.07		%	2.85		%

Revenue by Business
Retail Banking	$	3,798		$	3,901		$	3,989		$	4,079		$	3,889		$	4,099		$	4,133		$	4,108		1	%	$	15,767		$	16,229		3	%
Citi-Branded Cards	4,268			4,115			4,156			4,068			4,035			4,094			4,135			4,092			1	%	16,607			16,356			(2	)%
Total Revenues	$	8,066		$	8,016		$	8,145		$	8,147		$	7,924		$	8,193		$	8,268		$	8,200		1	%	$	32,374		$	32,585		1	%

Net Credit Losses by Business
Retail Banking	$	289		$	303		$	333		$	342		$	277		$	298		$	295		$	304		(11	)%	$	1,267		$	1,174		(7	)%
Citi-Branded Cards	2,750			2,619			2,397			2,183			1,831			1,705			1,551			1,427			(35	)%	9,949			6,514			(35	)%
Total Net Credit Losses	$	3,039		$	2,922		$	2,730		$	2,525		$	2,108		$	2,003		$	1,846		$	1,731		(31	)%	$	11,216		$	7,688		(31	)%

Income (loss) from Continuing Operations by Business
Retail Banking	$	799		$	834		$	755		$	694		$	672		$	633		$	634		$	590		(15	)%	$	3,082		$	2,529		(18	)%
Citi-Branded Cards	172			296			467			644			864			968			978			857			33	%	1,579			3,667			NM
Total	$	971		$	1,130		$	1,222		$	1,338		$	1,536		$	1,601		$	1,612		$	1,447		8	%	$	4,661		$	6,196		33	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

Page 2

																									4Q11 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)

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

Branches	4,162			4,161			4,168			4,200			4,200			4,207			4,187			4,200			—
Accounts (in millions)	60.1			60.1			60.5			60.4			60.6			61.2			61.9			61.9			2	%
Average Deposits	$	289.2		$	291.4		$	295.6		$	301.9		$	307.0		$	314.5		$	313.2		$	310.9		3	%
Investment Sales (International Only)	$	24.1		$	23.4		$	21.3		$	23.7		$	25.4		$	24.5		$	21.5		$	18.9		(20	)%
Investment AUMs	$	120.8		$	116.8		$	125.4		$	130.5		$	133.9		$	138.6		$	122.3		$	126.2		(3	)%
Average Loans	$	107.7		$	107.3		$	109.3		$	113.1		$	119.3		$	126.5		$	128.6		$	130.9		16	%
EOP Loans:
Real Estate Lending	$	56.0		$	54.7		$	56.5		$	59.3		$	63.9		$	66.9		$	67.1		$	70.8		19	%
Commercial Markets	31.0			31.2			32.7			33.9			35.8			37.6			36.7			36.8			9	%
Personal and Other	21.8			21.3			22.4			22.8			23.3			24.5			23.5			25.7			13	%
EOP Loans	$	108.8		$	107.2		$	111.6		$	116.0		$	123.0		$	129.0		$	127.3		$	133.3		15	%

Net Interest Revenue (in millions) (1)	$	2,551		$	2,544		$	2,490		$	2,577		$	2,618		$	2,668		$	2,687		$	2,651		3	%
As a % of Average Loans	9.61		%	9.51		%	9.04		%	9.04		%	8.90		%	8.46		%	8.29		%	8.03		%

Net Credit Losses (in millions)	$	289		$	303		$	333		$	342		$	277		$	298		$	295		$	304		(11	)%
As a % of Average Loans	1.09		%	1.13		%	1.21		%	1.20		%	0.94		%	0.94		%	0.91		%	0.92		%
Loans 90+ Days Past Due (in millions) (2)	$	819		$	869		$	842		$	760		$	801		$	812		$	759		$	736		(3	)%
As a % of EOP Loans	0.75		%	0.81		%	0.76		%	0.66		%	0.66		%	0.63		%	0.60		%	0.56		%
Loans 30-89 Days Past Due (in millions) (2)	$	1,304		$	1,205		$	1,277		$	1,146		$	1,142		$	1,088		$	974		$	1,039		(9	)%
As a % of EOP Loans	1.20		%	1.12		%	1.15		%	0.99		%	0.94		%	0.85		%	0.77		%	0.79		%

Citi-Branded Cards Key Indicators (in millions of dollars)
EOP Open Accounts	51.1			50.5			51.0			51.4			51.5			51.9			52.9			53.4			4	%
Purchase Sales	$	60.1		$	63.9		$	65.5		$	70.5		$	64.9		$	71.3		$	71.4		$	74.0		5	%

Average Loans (in billions) (3)	$	111.6		$	108.5		$	109.5		$	110.6		$	110.3		$	110.1		$	110.2		$	109.9		(1	)%
EOP Loans (in billions) (3)	$	110.2		$	109.4		$	111.1		$	114.1		$	109.6		$	111.9		$	109.4		$	113.3		(1	)%
Average Yield (4)	14.65		%	14.03		%	13.52		%	13.28		%	13.16		%	12.89		%	12.70		%	12.58		%
Net Interest Revenue (5)	$	3,358		$	3,207		$	3,184		$	3,259		$	3,128		$	3,128		$	3,129		$	3,068		(6	)%
As a % of Average Loans (5)	12.20		%	11.86		%	11.54		%	11.69		%	11.50		%	11.40		%	11.26		%	11.08		%
Net Credit Losses	$	2,750		$	2,619		$	2,397		$	2,183		$	1,831		$	1,705		$	1,551		$	1,427		(35	)%
As a % of Average Loans (6)	9.99		%	9.68		%	8.68		%	7.83		%	6.73		%	6.21		%	5.58		%	5.15		%
Net Credit Margin (6)	$	1,518		$	1,491		$	1,752		$	1,878		$	2,198		$	2,384		$	2,577		$	2,661		42	%
As a % of Average Loans	5.52		%	5.51		%	6.35		%	6.74		%	8.08		%	8.69		%	9.28		%	9.61		%
Loans 90+ Days Past Due	$	3,155		$	2,929		$	2,590		$	2,341		$	2,172		$	1,971		$	1,710		$	1,674		(28	)%
As a % of EOP Loans	2.86		%	2.68		%	2.33		%	2.05		%	1.98		%	1.76		%	1.56		%	1.48		%
Loans 30-89 Days Past Due	$	3,094		$	2,727		$	2,543		$	2,407		$	2,217		$	2,024		$	1,856		$	1,841		(24	)%
As a % of EOP Loans	2.81		%	2.49		%	2.29		%	2.11		%	2.02		%	1.81		%	1.70		%	1.62		%

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

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

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

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

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

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

NM Not meaningful

CITICORP

REGIONAL CONSUMER BANKING

NORTH AMERICA

Page 1

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Net Interest Revenue	$	2,954		$	2,778		$	2,734		$	2,750		$	2,624		$	2,590		$	2,580		$	2,573		(6	)%	$	11,216		$	10,367		(8	)%
Non-Interest Revenue	846			916			1,007			805			711			777			838			921			14	%	3,574			3,247			(9	)%
Total Revenues, Net of Interest Expense	3,800			3,694			3,741			3,555			3,335			3,367			3,418			3,494			(2	)%	14,790			13,614			(8	)%
Total Operating Expenses	1,621			1,512			1,458			1,572			1,690			1,773			1,811			2,055			31	%	6,163			7,329			19	%
Net Credit Losses	2,156			2,127			1,970			1,766			1,440			1,306			1,155			1,048			(41	)%	8,019			4,949			(38	)%
Credit Reserve Build / (Release)	4			(9		)	40			(348		)	(648		)	(758		)	(653		)	(681		)	(96	)%	(313		)	(2,740		)	NM
Provision for Unfunded Lending Commitments	1			—			—			—			—			—			—			—			—		1			—			(100	)%
Provision for Benefits & Claims	8			5			6			5			6			4			7			5			—		24			22			(8	)%
Provision for Loan Losses and for Benefits and Claims	2,169			2,123			2,016			1,423			798			552			509			372			(74	)%	7,731			2,231			(71	)%
Income from Continuing Operations before Taxes	10			59			267			560			847			1,042			1,098			1,067			91	%	896			4,054			NM
Income Taxes (benefits)	(7		)	6			90			157			297			356			406			406			NM		246			1,465			NM
Income from Continuing Operations	17			53			177			403			550			686			692			661			64	%	650			2,589			NM
Net Income Attributable to Minority Interests	—			—			—			—			—			—			—			—			—		—			—			—
Net Income	$	17		$	53		$	177		$	403		$	550		$	686		$	692		$	661		64	%	$	650		$	2,589		NM
Average Assets (in billions of dollars)	$	121		$	117		$	118		$	120		$	120		$	119		$	125		$	129		8	%	$	119		$	123		3	%
Return on Assets	0.06		%	0.18		%	0.60		%	1.33		%	1.86		%	2.31		%	2.20		%	2.03		%			0.55		%	2.10		%

Net Credit Losses as a % of Average Loans	7.85		%	7.98		%	7.39		%	6.67		%	5.52		%	4.94		%	4.24		%	3.77		%

Revenue by Business
Retail Banking	$	1,279		$	1,324		$	1,373		$	1,349		$	1,188		$	1,250		$	1,282		$	1,391		3	%	$	5,325		$	5,111		(4	)%
Citi-Branded Cards	2,521			2,370			2,368			2,206			2,147			2,117			2,136			2,103			(5	)%	9,465			8,503			(10	)%
Total Revenues	$	3,800		$	3,694		$	3,741		$	3,555		$	3,335		$	3,367		$	3,418		$	3,494		(2	)%	$	14,790		$	13,614		(8	)%

Net Credit Losses by Business
Retail Banking	$	73		$	79		$	90		$	97		$	88		$	77		$	65		$	70		(28	)%	$	339		$	300		(12	)%
Citi-Branded Cards	2,083			2,048			1,880			1,669			1,352			1,229			1,090			978			(41	)%	7,680			4,649			(39	)%
Total Net Credit Losses	$	2,156		$	2,127		$	1,970		$	1,766		$	1,440		$	1,306		$	1,155		$	1,048		(41	)%	$	8,019		$	4,949		(38	)%

Income (loss) from Continuing Operations by Business
Retail Banking	$	167		$	207		$	205		$	183		$	90		$	102		$	126		$	170		(7	)%	$	762		$	488		(36	)%
Citi-Branded Cards	(150		)	(154		)	(28		)	220			460			584			566			491			NM		(112		)	2,101			NM
Total	$	17		$	53		$	177		$	403		$	550		$	686		$	692		$	661		64	%	$	650		$	2,589		NM

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

NORTH AMERICA

Page 2

																									4Q11 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)

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

Branches	1,003			1,002			1,000			1,001			1,000			1,002			1,005			1,016			1	%
Accounts (in millions)	13.6			13.4			13.3			13.1			13.0			12.9			12.9			12.7			(3	)%
Investment AUMs	$	32.6		$	28.8		$	29.8		$	30.4		$	29.9		$	30.8		$	28.3		$	29.4		(3	)%

Average Deposits	$	144.2		$	145.5		$	144.9		$	144.5		$	143.6		$	144.4		$	145.4		$	147.0		2	%

Average Loans	$	32.2		$	30.7		$	29.7		$	29.7		$	31.9		$	33.6		$	35.2		$	37.3		26	%

EOP Loans:
Real Estate Lending	$	24.3		$	23.1		$	22.3		$	23.4		$	25.8		$	27.2		$	29.0		$	31.4		34	%
Commercial Markets	5.8			5.7			5.8			6.0			6.0			6.2			6.3			6.4			7	%
Personal and Other	1.4			1.4			1.3			1.3			1.2			1.1			1.2			1.1			(15	)%
Total EOP Loans	$	31.5		$	30.2		$	29.4		$	30.7		$	33.0		$	34.5		$	36.5		$	38.9		27	%

Mortgage Originations	$	10.3		$	11.2		$	18.6		$	21.8		$	14.1		$	11.0		$	17.0		$	21.1		(3	)%

Third Party Mortgage Servicing Portfolio (EOP)	$	191.2		$	190.8		$	191.4		$	191.9		$	196.0		$	196.5		$	196.6		$	197.9		3	%

Net Servicing & Gain/(Loss) on Sale (in millions)	$	207.8		$	271.7		$	344.3		$	282.4		$	129.0		$	126.5		$	186.5		$	295.0		4	%

Net Interest Revenue on Loans (in mllions)	$	183		$	162		$	152		$	142		$	170		$	176		$	179		$	181		27	%
As a % of Avg. Loans	2.30		%	2.12		%	2.03		%	1.90		%	2.16		%	2.10		%	2.02		%	1.93		%

Net Credit Losses (in millions)	$	73		$	79		$	90		$	97		$	88		$	77		$	65		$	70		(28	)%
As a % of Avg. Loans	0.92		%	1.03		%	1.20		%	1.30		%	1.12		%	0.92		%	0.73		%	0.74		%

Loans 90+ Days Past Due (in millions) (1)	$	142		$	245		$	221		$	228		$	241		$	211		$	232		$	235		3	%
As a % of EOP Loans	0.45		%	0.81		%	0.77		%	0.76		%	0.75		%	0.63		%	0.66		%	0.63		%

Loans 30-89 Days Past Due (in millions) (1)	$	236		$	241		$	243		$	212		$	185		$	209		$	217		$	213		—
As a % of EOP Loans	0.75		%	0.80		%	0.85		%	0.71		%	0.58		%	0.62		%	0.62		%	0.57		%

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

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

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

NORTH AMERICA

Page 3

																									4Q11 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)

Citi-Branded Cards Key Indicators (in millions of dollars) (1)

EOP Open Accounts	21.8			21.3			21.2			21.1			21.2			21.2			21.6			22.0			4	%
Purchase Sales (in billions)	$	36.2		$	39.3		$	39.0		$	40.4		$	36.3		$	39.9		$	39.6		$	41.2		2	%

Average Loans (in billions) (1)	$	79.2		$	76.2		$	76.0		$	75.3		$	73.9		$	72.4		$	72.8		$	73.1		(3	)%

EOP Loans (in billions) (1)	$	77.7		$	77.2		$	76.6		$	77.5		$	73.2		$	73.7		$	73.8		$	75.9		(2	)%

Average Yield (2)	13.01		%	12.25		%	11.64		%	11.30		%	11.09		%	10.44		%	10.29		%	10.07		%
Net Interest Revenue (3)	$	2,103		$	1,940		$	1,927		$	1,914		$	1,791		$	1,716		$	1,721		$	1,692		(12	)%
As a % of Avg. Loans (3)	10.77		%	10.21		%	10.06		%	10.08		%	9.83		%	9.51		%	9.38		%	9.18		%
Net Credit Losses	$	2,083		$	2,048		$	1,880		$	1,669		$	1,352		$	1,229		$	1,090		$	978		(41	)%
As a % of Average Loans	10.67		%	10.78		%	9.81		%	8.79		%	7.42		%	6.81		%	5.94		%	5.31		%
Net Credit Margin (4)	$	438		$	317		$	481		$	530		$	789		$	883		$	1,039		$	1,121		NM
As a % of Avg. Loans (4)	2.24		%	1.67		%	2.51		%	2.79		%	4.33		%	4.89		%	5.66		%	6.08		%
Loans 90+ Days Past Due	$	2,304		$	2,130		$	1,807		$	1,597		$	1,432		$	1,205		$	1,053		$	1,004		(37	)%
As a % of EOP Loans	2.97		%	2.76		%	2.36		%	2.06		%	1.96		%	1.64		%	1.43		%	1.32		%
Loans 30-89 Days Past Due	$	2,145		$	1,828		$	1,687		$	1,539		$	1,327		$	1,132		$	1,095		$	1,062		(31	)%
As a % of EOP Loans	2.76		%	2.37		%	2.20		%	1.99		%	1.81		%	1.54		%	1.48		%	1.40		%

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

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

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

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

EMEA - PAGE 1

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Net Interest Revenue	$	246		$	228		$	220		$	229		$	226		$	233		$	221		$	213		(7	)%	$	923		$	893		(3	)%
Non-Interest Revenue	157			146			127			150			170			155			142			119			(21	)%	580			586			1	%
Total Revenues, Net of Interest Expense	403			374			347			379			396			388			363			332			(12	)%	1,503			1,479			(2	)%
Total Operating Expenses	281			269			305			324			307			340			328			312			(4	)%	1,179			1,287			9	%
Net Credit Losses	97			84			63			72			49			47			49			27			(63	)%	316			172			(46	)%
Credit Reserve Build / (Release)	(11		)	(46		)	(48		)	(13		)	(34		)	(55		)	(32		)	3			NM		(118		)	(118		)	—
Provision for Unfunded Lending Commitments	—			(4		)	—			—			—			3			—			—			—		(4		)	3			NM
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Loan Losses and for Benefits and Claims	86			34			15			59			15			(5		)	17			30			(49	)%	194			57			(71	)%
Income (loss) from Continuing Operations before Taxes	36			71			27			(4		)	74			53			18			(10		)	NM		130			135			4	%
Income Taxes (benefits)	12			23			10			(6		)	26			25			9			(4		)	33	%	39			56			44	%
Income from Continuing Operations	24			48			17			2			48			28			9			(6		)	NM		91			79			(13	)%
Net Income Attributable to Minority Interests	—			—			(1		)	—			—			2			1			(3		)	—		(1		)	—			100	%
Net Income	$	24		$	48		$	18		$	2		$	48		$	26		$	8		$	(3	)	NM		$	92		$	79		(14	)%
Average Assets (in billions of dollars)	$	10		$	10		$	10		$	10		$	10		$	11		$	10		$	10		—		$	10		$	10		—
Return on Assets	0.97		%	1.93		%	0.71		%	0.08		%	1.95		%	0.95		%	0.32		%	(0.12		)%			0.92		%	0.79		%

Net Credit Losses as a % of Average Loans	5.18		%	4.88		%	3.57		%	4.14		%	2.76		%	2.51		%	2.70		%	1.53		%

Revenue by Business
Retail Banking	$	220		$	203		$	184		$	215		$	217		$	212		$	199		$	183		(15	)%	$	822		$	811		(1	)%
Citi-Branded Cards	183			171			163			164			179			176			164			149			(9	)%	681			668			(2	)%
Total	$	403		$	374		$	347		$	379		$	396		$	388		$	363		$	332		(12	)%	$	1,503		$	1,479		(2	)%

Income (loss) from Continuing Operations by Business
Retail Banking	$	(9	)	$	6		$	(24	)	$	(27	)	$	3		$	(17	)	$	(21	)	$	(21	)	22	%	$	(54	)	$	(56	)	(4	)%
Citi-Branded Cards	33			42			41			29			45			45			30			15			(48	)%	145			135			(7	)%
Total	$	24		$	48		$	17		$	2		$	48		$	28		$	9		$	(6	)	NM		$	91		$	79		(13	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

EMEA - PAGE 2

																									4Q11 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)

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

Branches	310			304			300			298			297			296			294			292			(2	)%
Accounts (in millions)	3.7			3.7			3.7			3.7			3.6			3.6			3.7			3.7			—
Average Deposits	$	9.7		$	8.9		$	9.1		$	9.2		$	9.7		$	9.9		$	9.6		$	9.3		1	%
Investment Sales	$	0.7		$	0.7		$	0.6		$	0.9		$	1.0		$	1.0		$	1.0		$	0.8		(11	)%
Investment AUMs	$	4.4		$	4.1		$	4.6		$	4.9		$	5.3		$	5.4		$	4.7		$	4.6		(6	)%
Average Loans	$	4.7		$	4.2		$	4.2		$	4.1		$	4.3		$	4.5		$	4.4		$	4.3		5	%
EOP Loans:
Real Estate Lending	$	0.1		$	0.1		$	0.1		$	0.1		$	0.1		$	0.2		$	0.2		$	0.2		100	%
Commercial Markets	1.6			1.4			1.7			1.6			1.9			2.0			1.8			1.7			6	%
Personal and Other	2.9			2.5			2.6			2.5			2.5			2.5			2.3			2.3			(8	)%
Total EOP Loans	$	4.6		$	4.0		$	4.4		$	4.2		$	4.5		$	4.7		$	4.3		$	4.2		—

Net Interest Revenue (in millions) (1)	$	123		$	111		$	102		$	114		$	108		$	112		$	106		$	106		(7	)%
As a % of Average Loans (1)	10.61		%	10.60		%	9.64		%	11.03		%	10.19		%	9.98		%	9.56		%	9.78		%
Net Credit Losses (in millions)	$	47		$	45		$	32		$	43		$	23		$	24		$	29		$	11		(74	)%
As a % of Average Loans	4.06		%	4.30		%	3.02		%	4.16		%	2.17		%	2.14		%	2.61		%	1.01		%
Loans 90+ Days Past Due (in millions)	$	108		$	109		$	105		$	84		$	76		$	76		$	65		$	58		(31	)%
As a % of EOP Loans	2.35		%	2.73		%	2.39		%	2.00		%	1.69		%	1.62		%	1.51		%	1.38		%
Loans 30-89 Days Past Due (in millions)	$	203		$	158		$	156		$	136		$	143		$	132		$	106		$	93		(32	)%
As a % of EOP Loans	4.41		%	3.95		%	3.55		%	3.24		%	3.18		%	2.81		%	2.47		%	2.21		%

Citi-Branded Cards Key Indicators (in billions of dollars)
EOP Open Accounts (in millions)	2.6			2.4			2.5			2.5			2.5			2.5			2.6			2.6			4	%
Purchase Sales	$	2.1		$	2.1		$	2.3		$	2.5		$	2.3		$	2.7		$	2.6		$	2.7		8	%
Average Loans (2)	$	2.9		$	2.7		$	2.8		$	2.8		$	2.9		$	3.0		$	2.8		$	2.7		(4	)%
EOP Loans (2)	$	2.9		$	2.6		$	2.9		$	2.8		$	2.9		$	3.0		$	2.7		$	2.7		(4	)%
Average Yield (3)	20.52		%	19.83		%	19.94		%	20.54		%	20.61		%	19.86		%	20.14		%	19.81		%	(4	)%

Net Interest Revenue (in millions) (4)	$	123		$	117		$	118		$	115		$	118		$	121		$	115		$	107		(7	)%
As a % of Avg. Loans (4)	17.20		%	17.38		%	16.72		%	16.29		%	16.50		%	16.18		%	16.29		%	15.72		%
Net Credit Losses (in millions)	$	50		$	39		$	31		$	29		$	26		$	23		$	20		$	16		(45	)%
As a % of Average Loans	6.99		%	5.79		%	4.39		%	4.11		%	3.64		%	3.08		%	2.83		%	2.35		%
Net Credit Margin (in millions) (5)	$	133		$	132		$	132		$	135		$	153		$	153		$	144		$	133		(1	)%
As a % of Avg. Loans (5)	18.60		%	19.61		%	18.70		%	19.13		%	21.40		%	20.46		%	20.40		%	19.54		%
Loans 90+ Days Past Due (in millions)	$	77		$	72		$	69		$	58		$	60		$	54		$	47		$	44		(24	)%
As a % of EOP Loans	2.66		%	2.77		%	2.38		%	2.07		%	2.07		%	1.80		%	1.74		%	1.63		%
Loans 30-89 Days Past Due (in millions)	$	113		$	90		$	86		$	72		$	78		$	72		$	63		$	59		(18	)%
As a % of EOP Loans	3.90		%	3.46		%	2.97		%	2.57		%	2.69		%	2.40		%	2.33		%	2.19		%

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

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

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

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

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

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

LATIN AMERICA - PAGE 1

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Net Interest Revenue	$	1,449		$	1,461		$	1,492		$	1,566		$	1,562		$	1,625		$	1,656		$	1,622		4	%	$	5,968		$	6,465		8	%
Non-Interest Revenue	618			647			731			721			735			787			764			732			2	%	2,717			3,018			11	%
Total Revenues, Net of Interest Expense	2,067			2,108			2,223			2,287			2,297			2,412			2,420			2,354			3	%	8,685			9,483			9	%
Total Operating Expenses	1,172			1,291			1,287			1,409			1,361			1,490			1,481			1,402			—		5,159			5,734			11	%
Net Credit Losses	509			457			451			451			407			425			406			446			(1	)%	1,868			1,684			(10	)%
Credit Reserve Build / (Release)	(138		)	(240		)	(298		)	(147		)	(147		)	(21		)	63			38			NM		(823		)	(67		)	92	%
Provision for Unfunded Lending Commitments	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Benefits & Claims	36			22			32			37			38			22			38			32			(14	)%	127			130			2	%
Provision for Loan Losses and for Benefits and Claims	407			239			185			341			298			426			507			516			51	%	1,172			1,747			49	%
Income from Continuing Operations before Taxes	488			578			751			537			638			496			432			436			(19	)%	2,354			2,002			(15	)%
Income Taxes	123			112			219			111			160			94			88			59			(47	)%	565			401			(29	)%
Income from Continuing Operations	365			466			532			426			478			402			344			377			(12	)%	1,789			1,601			(11	)%
Net Income (loss) Attributable to Minority Interests	(5		)	—			(3		)	—			(2		)	1			—			1			—		(8		)	—			100	%
Net Income	$	370		$	466		$	535		$	426		$	480		$	401		$	344		$	376		(12	)%	$	1,797		$	1,601		(11	)%
Average Assets (in billions of dollars)	$	71		$	72		$	73		$	74		$	77		$	84		$	80		$	78		5	%	$	73		$	80		10	%
Return on Assets	2.11		%	2.60		%	2.91		%	2.28		%	2.53		%	1.91		%	1.71		%	1.91		%			2.46		%	2.00		%

Net Credit Losses as a % of Average Loans	7.09		%	6.07		%	5.72		%	5.42		%	4.78		%	4.59		%	4.37		%	4.81		%

Revenue by Business
Retail Banking	$	1,187		$	1,227		$	1,290		$	1,330		$	1,336		$	1,402		$	1,397		$	1,347		1	%	$	5,034		$	5,482		9	%
Citi-Branded Cards	880			881			933			957			961			1,010			1,023			1,007			5	%	3,651			4,001			10	%
Total	$	2,067		$	2,108		$	2,223		$	2,287		$	2,297		$	2,412		$	2,420		$	2,354		3	%	$	8,685		$	9,483		9	%

Income (loss) from Continuing Operations by Business
Retail Banking	$	232		$	250		$	251		$	205		$	299		$	242		$	173		$	209		2	%	$	938		$	923		(2	)%
Citi-Branded Cards	133			216			281			221			179			160			171			168			(24	)%	851			678			(20	)%
Total	$	365		$	466		$	532		$	426		$	478		$	402		$	344		$	377		(12	)%	$	1,789		$	1,601		(11	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

LATIN AMERICA - PAGE 2

																									4Q11 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)

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

Branches	2,145			2,151			2,161			2,190			2,196			2,210			2,215			2,221			1	%
Accounts (in millions)	26.7			27.0			27.2			27.5			27.8			28.4			28.8			29.2			6	%
Average Deposits	$	39.6		$	39.9		$	40.6		$	42.6		$	45.6		$	48.3		$	46.1		$	44.8		5	%
Investment Sales	$	14.5		$	13.1		$	10.6		$	10.0		$	13.1		$	12.9		$	12.0		$	12.1		21	%
Investment AUMs	$	37.9		$	39.1		$	43.2		$	45.0		$	47.4		$	50.5		$	44.3		$	47.0		4	%
Average Loans	$	17.4		$	18.2		$	19.0		$	20.0		$	21.1		$	23.1		$	23.1		$	23.2		16	%
EOP Loans:
Real Estate Lending	$	3.6		$	3.7		$	3.9		$	4.2		$	4.7		$	4.8		$	4.3		$	4.4		5	%
Commercial Markets	9.7			9.7			10.1			10.5			11.0			11.9			11.1			11.3			8	%
Personal and Other	5.1			5.1			5.6			5.7			6.3			7.0			6.6			8.3			46	%
Total EOP Loans	$	18.4		$	18.5		$	19.6		$	20.4		$	22.0		$	23.7		$	22.0		$	24.0		18	%

Net Interest Revenue (in millions) (1)	$	781		$	784		$	805		$	842		$	864		$	877		$	908		$	892		6	%
As a % of Avg. Loans (1)	18.20		%	17.28		%	16.81		%	16.70		%	16.61		%	15.23		%	15.59		%	15.25		%
Net Credit Losses (in millions)	$	91		$	96		$	129		$	123		$	103		$	117		$	113		$	142		15	%
As a % of Average Loans	2.12		%	2.12		%	2.69		%	2.44		%	1.98		%	2.03		%	1.94		%	2.43		%
Loans 90+ Days Past Due (in millions)	$	323		$	308		$	290		$	223		$	249		$	259		$	239		$	221		(1	)%
As a % of EOP Loans	1.76		%	1.66		%	1.48		%	1.09		%	1.13		%	1.09		%	1.09		%	0.92		%
Loans 30-89 Days Past Due (in millions)	$	389		$	336		$	402		$	265		$	323		$	301		$	266		$	289		9	%
As a % of EOP Loans	2.11		%	1.82		%	2.05		%	1.30		%	1.47		%	1.27		%	1.21		%	1.20		%

Citi-Branded Cards Key Indicators (in millions of dollars)
EOP Open Accounts (in millions)	11.9			11.9			12.3			12.4			12.5			12.6			12.9			12.9			4	%
Purchase Sales (in billions)	$	7.3		$	7.5		$	8.2		$	9.6		$	9.1		$	10.0		$	10.3		$	10.8		13	%
Average Loans (in billions) (2)	$	11.7		$	12.0		$	12.3		$	13.0		$	13.4		$	14.0		$	13.8		$	13.6		5	%
EOP Loans (in billions) (2)	$	12.1		$	12.0		$	12.6		$	13.4		$	13.5		$	14.2		$	12.9		$	13.7		2	%
Average Yield (3)	25.40		%	23.82		%	23.24		%	22.62		%	22.19		%	22.83		%	22.92		%	23.52		%	4	%

Net Interest Revenue (4)	$	668		677			$	687		$	724		$	698		748			$	748		$	730		1	%
As a % of Avg. Loans (4)	23.15		%	22.63		%	22.16		%	22.10		%	21.13		%	21.43		%	21.50		%	21.30		%
Net Credit Losses	$	418		361			$	322		328			$	304		308			$	293		304			(7	)%
As a % of Average Loans	14.49		%	12.07		%	10.39		%	10.01		%	9.20		%	8.82		%	8.42		%	8.87		%
Net Credit Margin (5)	$	462		$	520		$	611		$	629		$	657		$	702		$	730		$	703		12	%
As a % of Avg. Loans (5)	16.01		%	17.38		%	19.71		%	19.20		%	19.88		%	20.11		%	20.99		%	20.51		%
Loans 90+ Days Past Due	$	510		$	481		$	472		$	446		$	445		$	462		$	396		$	412		(8	)%
As a % of EOP Loans	4.21		%	4.01		%	3.75		%	3.33		%	3.30		%	3.25		%	3.07		%	3.01		%
Loans 30-89 Days Past Due	$	475		$	485		$	442		$	456		$	454		$	469		$	398		$	399		(13	)%
As a % of EOP Loans	3.93		%	4.04		%	3.51		%	3.40		%	3.36		%	3.30		%	3.09		%	2.91		%

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

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

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

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

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

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

ASIA - PAGE 1

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Net Interest Revenue	$	1,255		$	1,292		$	1,229		$	1,301		$	1,324		$	1,349		$	1,360		$	1,332		2	%	$	5,077		$	5,365		6	%
Non-Interest Revenue	541			548			605			625			572			677			707			688			10	%	2,319			2,644			14	%
Total Revenues, Net of Interest Expense	1,796			1,840			1,834			1,926			1,896			2,026			2,067			2,020			5	%	7,396			8,009			8	%
Total Operating Expenses	919			961			1,035			1,131			1,119			1,167			1,133			1,164			3	%	4,046			4,583			13	%
Net Credit Losses	277			254			246			236			212			225			236			210			(11	)%	1,013			883			(13	)%
Credit Reserve Build / (Release)	(38		)	(112		)	(94		)	(43		)	(35		)	(19		)	(40		)	31			NM		(287		)	(63		)	78	%
Provision for Unfunded Lending Commitments	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Loan Losses and for Benefits and Claims	239			142			152			193			177			206			196			241			25	%	726			820			13	%
Income from Continuing Operations before Taxes	638			737			647			602			600			653			738			615			2	%	2,624			2,606			(1	)%
Income Taxes	73			174			151			95			140			168			171			200			NM		493			679			38	%
Income from Continuing Operations	565			563			496			507			460			485			567			415			(18	)%	2,131			1,927			(10	)%
Net Income Attributable to Minority Interests	—			—			—			—			—			—			—			—			—		—			—			—
Net Income	$	565		$	563		$	496		$	507		$	460		$	485		$	567		$	415		(18	)%	$	2,131		$	1,927		(10	)%
Average Assets (in billions of dollars)	$	105		$	105		$	108		$	113		$	118		$	123		$	123		$	122		8	%	$	108		$	122		13	%
Return on Assets	2.18		%	2.15		%	1.82		%	1.78		%	1.58		%	1.58		%	1.83		%	1.35		%			1.97		%	1.58		%

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

Revenue by Business
Retail Banking	$	1,112		$	1,147		$	1,142		$	1,185		$	1,148		$	1,235		$	1,255		$	1,187		—		$	4,586		$	4,825		5	%
Citi-Branded Cards	684			693			692			741			748			791			812			833			12	%	2,810			3,184			13	%
Total	$	1,796		$	1,840		$	1,834		$	1,926		$	1,896		$	2,026		$	2,067		$	2,020		5	%	$	7,396		$	8,009		8	%

Income from Continuing Operations by Business
Retail Banking	$	409		$	371		$	323		$	333		$	280		$	306		$	356		$	232		(30	)%	$	1,436		$	1,174		(18	)%
Citi-Branded Cards	156			192			173			174			180			179			211			183			5	%	695			753			8	%
Total	$	565		$	563		$	496		$	507		$	460		$	485		$	567		$	415		(18	)%	$	2,131		$	1,927		(10	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
ASIA - PAGE 2

																									4Q11 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)

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

Branches	704			704			707			711			707			699			673			671			(6	)%
Accounts (in millions)	16.1			16.0			16.3			16.1			16.2			16.3			16.5			16.3			1	%
Average Deposits	$	95.7		$	97.1		$	101.0		$	105.6		$	108.1		$	111.9		$	112.1		$	109.8		4	%
Investment Sales	$	8.9		$	9.6		$	10.1		$	12.8		$	11.3		$	10.6		$	8.5		$	6.0		(53	)%
Investment AUMs	$	45.9		$	44.8		$	47.8		$	50.2		$	51.3		$	51.9		$	45.0		$	45.2		(10	)%
Average Loans	$	53.4		$	54.2		$	56.4		$	59.3		$	62.0		$	65.3		$	65.9		$	66.1		11	%
EOP Loans:
Real Estate Lending	$	28.0		$	27.8		$	30.2		$	31.6		$	33.3		$	34.7		$	33.6		$	34.8		10	%
Commercial Markets	13.9			14.4			15.1			15.8			16.9			17.5			17.5			17.4			10	%
Personal and Other	12.4			12.3			12.9			13.3			13.3			13.9			13.4			14.0			5	%
Total EOP Loans	$	54.3		$	54.5		$	58.2		$	60.7		$	63.5		$	66.1		$	64.5		$	66.2		9	%

Net Interest Revenue (in millions) (1)	$	791		$	819		$	777		$	795		$	803		$	806		$	815		$	793		—
As a % of Avg. Loans (1)	6.01		%	6.06		%	5.47		%	5.32		%	5.25		%	4.95		%	4.91		%	4.76		%
Net Credit Losses (in millions)	$	78		$	83		$	82		$	79		$	63		$	80		$	88		$	81		3	%
As a % of Average Loans	0.59		%	0.61		%	0.58		%	0.53		%	0.41		%	0.49		%	0.53		%	0.49		%
Loans 90+ Days Past Due (in millions)	$	246		$	207		$	226		$	225		$	235		$	266		$	223		$	222		(1	)%
As a % of EOP Loans	0.45		%	0.38		%	0.39		%	0.37		%	0.37		%	0.40		%	0.35		%	0.34		%
Loans 30-89 Days Past Due (in millions)	$	476		$	470		$	476		$	533		$	491		$	446		$	385		$	444		(17	)%
As a % of EOP Loans	0.88		%	0.86		%	0.82		%	0.88		%	0.77		%	0.67		%	0.60		%	0.67		%

Citi-Branded Cards Key Indicators (in millions of dollars)
EOP Open Accounts (in millions)	14.8			14.9			15.0			15.3			15.4			15.6			15.8			15.9			4	%
Purchase Sales (in billions)	$	14.5		$	15.0		$	16.0		$	18.0		$	17.2		$	18.7		$	18.9		$	19.3		7	%
Average Loans (in billions) (2)	$	17.8		$	17.6		$	18.4		$	19.5		$	20.1		$	20.7		$	20.8		$	20.5		5	%
EOP Loans (in billions) (2)	$	17.5		$	17.6		$	19.0		$	20.4		$	20.0		$	21.0		$	20.0		$	21.0		3	%
Average Yield (3)	13.95		%	14.14		%	13.81		%	13.62		%	13.69		%	13.71		%	13.39		%	13.30		%	(2	)%

Net Interest Revenue (4)	$	464		473			$	452		$	506		$	521		543			$	545		$	539		7	%
As a % of Avg. Loans (4)	10.57		%	10.78		%	9.75		%	10.29		%	10.51		%	10.52		%	10.40		%	10.43		%
Net Credit Losses	$	199		$	171		$	164		$	157		$	149		$	145		$	148		$	129		(18	)%
As a % of Average Loans	4.53		%	3.90		%	3.54		%	3.19		%	3.01		%	2.81		%	2.82		%	2.50		%
Net Credit Margin (5)	$	485		$	522		$	528		$	584		$	599		$	646		$	664		$	704		21	%
As a % of Avg. Loans (5)	11.05		%	11.90		%	11.38		%	11.88		%	12.09		%	12.52		%	12.67		%	13.62		%
Loans 90+ Days Past Due	$	264		$	246		$	242		$	240		$	235		$	250		$	214		$	214		(11	)%
As a % of EOP Loans	1.51		%	1.40		%	1.27		%	1.18		%	1.18		%	1.19		%	1.07		%	1.02		%
Loans 30-89 Days Past Due	$	361		$	324		$	328		$	340		$	358		$	351		$	300		$	321		(6	)%
As a % of EOP Loans	2.06		%	1.84		%	1.73		%	1.67		%	1.79		%	1.67		%	1.50		%	1.53		%

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

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

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

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

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

Reclassified to conform to the current period’s presentation.

CITICORP

INSTITUTIONAL CLIENTS GROUP

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Commissions and Fees	$	1,108		$	1,086		$	1,016		$	1,056		$	1,132		$	1,132		$	1,159		$	1,024		(3	)%	4,266			4,447			4	%
Administration and Other Fiduciary Fees	721			617			674			739			746			732			649			648			(12	)%	2,751			2,775			1	%
Investment Banking	953			592			829			1,146			793			1,001			590			645			(44	)%	3,520			3,029			(14	)%
Principal Transactions	3,307			1,777			1,539			(1,056		)	2,260			1,288			1,665			(340		)	68	%	5,567			4,873			(12	)%
Other	471			480			346			384			(76		)	253			1,528			112			(71	)%	1,681			1,817			8	%
Total Non-Interest Revenue	6,560			4,552			4,404			2,269			4,855			4,406			5,591			2,089			(8	)%	17,785			16,941			(5	)%
Net Interest Revenue (including Dividends)	3,896			3,921			3,740			3,844			3,725			3,749			3,846			3,725			(3	)%	15,401			15,045			(2	)%
Total Revenues, Net of Interest Expense	10,456			8,473			8,144			6,113			8,580			8,155			9,437			5,814			(5	)%	33,186			31,986			(4	)%
Total Operating Expenses	4,602			5,143			4,846			5,006			5,124			5,292			5,025			5,246			5	%	19,597			20,687			6	%
Net Credit Losses	103			43			290			137			210			150			87			172			26	%	573			619			8	%
Provision for Unfunded Lending Commitments	(8		)	(22		)	1			—			4			(8		)	45			48			—		(29		)	89			NM
Credit Reserve Build / (Release)	(177		)	(232		)	(27		)	(190		)	(394		)	(56		)	32			(138		)	27	%	(626		)	(556		)	11	%
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Credit Losses and for Benefits and Claims	(82		)	(211		)	264			(53		)	(180		)	86			164			82			NM		(82		)	152			NM
Income from Continuing Operations before Taxes	5,936			3,541			3,034			1,160			3,636			2,777			4,248			486			(58	)%	13,671			11,147			(18	)%
Income Taxes (Benefits)	1,818			932			723			26			1,077			710			1,214			(156		)	NM		3,499			2,845			(19	)%
Income from Continuing Operations	4,118			2,609			2,311			1,134			2,559			2,067			3,034			642			(43	)%	10,172			8,302			(18	)%
Net Income Attributable to Minority Interests	26			20			34			51			13			9			5			29			(43	)%	131			56			(57	)%
Net Income	$	4,092		$	2,589		$	2,277		$	1,083		$	2,546		$	2,058		$	3,029		$	613		(43	)%	$	10,041		$	8,246		(18	)%
Average Assets (in billions of dollars)	$	926		$	946		$	943		$	977		$	998		$	1,044		$	1,043		$	1,009		3	%	$	948		$	1,024		8	%
Return on Assets	1.79		%	1.10		%	0.96		%	0.44		%	1.03		%	0.79		%	1.15		%	0.24		%			1.06		%	0.81		%

Revenue by Region
North America	$	4,193		$	3,263		$	2,824		$	1,598		$	2,937		$	2,734		$	3,065		$	1,264		(21	)%	$	11,878		$	10,000		(16	)%
EMEA	3,350			2,611			2,570			1,674			2,898			2,540			3,192			2,077			24	%	10,205			10,707			5	%
Latin America	960			924			1,032			1,147			1,002			1,117			961			989			(14	)%	4,063			4,069			—
Asia	1,953			1,675			1,718			1,694			1,743			1,764			2,219			1,484			(12	)%	7,040			7,210			2	%
Total	$	10,456		$	8,473		$	8,144		$	6,113		$	8,580		$	8,155		$	9,437		$	5,814		(5	)%	$	33,186		$	31,986		(4	)%

Income from Continuing Operations by Region
North America	$	1,583		$	973		$	557		$	(119	)	$	572		$	474		$	787		$	(375	)	NM		$	2,994		$	1,458		(51	)%
EMEA	1,323			675			805			227			1,044			632			1,026			448			97	%	3,030			3,150			4	%
Latin America	422			361			451			521			448			458			377			340			(35	)%	1,755			1,623			(8	)%
Asia	790			600			498			505			495			503			844			229			(55	)%	2,393			2,071			(13	)%
Total	$	4,118		$	2,609		$	2,311		$	1,134		$	2,559		$	2,067		$	3,034		$	642		(43	)%	$	10,172		$	8,302		(18	)%

Average Loans by Region (in billions)
North America	$	68		68			66			66			$	66		$	68		70			74			12	%	$	67		$	69		3	%
EMEA	37			37			38			40			42			48			48			50			25	%	38			47			24	%
Latin America	23			22			23			24			25			29			30			32			33	%	23			29			26	%
Asia	30			35			38			42			45			49			54			58			38	%	36			52			44	%
Total	$	158		$	162		$	165		$	172		$	178		$	194		$	202		$	214		24	%	$	164		$	197		20	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

INSTITUTIONAL CLIENTS GROUP

SECURITIES AND BANKING

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Net Interest Revenue	$	2,503		$	2,515		$	2,301		$	2,404		$	2,287		$	2,270		$	2,347		$	2,212		(8	)%	$	9,723		$	9,116		(6	)%
Non-Interest Revenue	5,508			3,447			3,300			1,137			3,733			3,211			4,376			981			(14	)%	13,392			12,301			(8	)%
Total Revenues, Net of Interest Expense	8,011			5,962			5,601			3,541			6,020			5,481			6,723			3,193			(10	)%	23,115			21,417			(7	)%
Total Operating Expenses	3,439			3,962			3,610			3,682			3,805			3,901			3,582			3,740			2	%	14,693			15,028			2	%
Net Credit Losses	102			42			289			134			203			151			70			178			33	%	567			602			6	%
Provision for Unfunded Lending Commitments	(8		)	(22		)	1			—			4			(8		)	54			36			—		(29		)	86			NM
Credit Reserve Build / (Release)	(158		)	(199		)	(11		)	(194		)	(394		)	(83		)	50			(145		)	25	%	(562		)	(572		)	(2	)%
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Loan Losses and for Benefits and Claims	(64		)	(179		)	279			(60		)	(187		)	60			174			69			NM		(24		)	116			NM
Income (Loss) from Continuing Operations before Taxes	4,636			2,179			1,712			(81		)	2,402			1,520			2,967			(616		)	NM		8,446			6,273			(26	)%
Income Taxes (Benefits)	1,457			501			327			(338		)	694			331			830			(477		)	(41	)%	1,947			1,378			(29	)%
Income (Loss) from Continuing Operations	3,179			1,678			1,385			257			1,708			1,189			2,137			(139		)	NM		6,499			4,895			(25	)%
Net Income Attributable to Minority Interests	21			15			29			45			9			4			—			24			(47	)%	110			37			(66	)%
Net Income (Loss)	$	3,158		$	1,663		$	1,356		$	212		$	1,699		$	1,185		$	2,137		$	(163	)	NM		$	6,389		$	4,858		(24	)%
Average Assets (in billions of dollars)	827			846			834			857			874			913			910			876			2	%	841			894			6	%
Return on Assets	1.55		%	0.79		%	0.65		%	0.10		%	0.79		%	0.52		%	0.93		%	(0.07		)%			0.76		%	0.54		%

Revenue Details:
Investment Banking:
Advisory	$	198		$	88		$	237		$	197		$	143		$	198		$	184		$	159		(19	)%	$	720		$	684		(5	)%
Equity Underwriting	224			157			152			404			204			272			106			90			(78	)%	937			672			(28	)%
Debt Underwriting	635			429			541			566			504			615			446			389			(31	)%	2,171			1,954			(10	)%
Total Investment Banking	1,057			674			930			1,167			851			1,085			736			638			(45	)%	3,828			3,310			(14	)%
Lending	250			530			(11		)	193			252			356			1,030			164			(15	)%	962			1,802			87	%
Equity Markets	1,213			652			1,040			596			1,070			812			634			240			(60	)%	3,501			2,756			(21	)%
Fixed Income Markets	5,380			3,715			3,501			1,481			3,795			3,033			3,802			1,633			10	%	14,077			12,263			(13	)%
Private Bank	494			512			497			501			515			555			557			519			4	%	2,004			2,146			7	%
Other Securities and Banking	(383		)	(121		)	(356		)	(397		)	(463		)	(360		)	(36		)	(1		)	100	%	(1,257		)	(860		)	32	%
Total Securities and Banking Revenues	$	8,011		$	5,962		$	5,601		$	3,541		$	6,020		$	5,481		$	6,723		$	3,193		(10	)%	$	23,115		$	21,417		(7	)%

Credit Valuation Adjustment (DVA/CVA) {included in lines above}	285			255			99			(1,038		)	(229		)	147			1,888			(74		)	93	%	(399		)	1,732			NM
Total Revenues Excluding DVA/CVA	$	7,726		$	5,707		$	5,502		$	4,579		$	6,249		$	5,334		$	4,835		$	3,267		(29	)%	$	23,514		$	19,685		(16	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

INSTITUTIONAL CLIENTS GROUP

TRANSACTION SERVICES

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Net Interest Revenue	$	1,393		$	1,406		$	1,439		$	1,440		$	1,438		$	1,479		$	1,499		$	1,513		5	%	$	5,678		$	5,929		4	%
Non-Interest Revenue	1,052			1,105			1,104			1,132			1,122			1,195			1,215			1,108			(2	)%	4,393			4,640			6	%
Total Revenues, Net of Interest Expense	2,445			2,511			2,543			2,572			2,560			2,674			2,714			2,621			2	%	10,071			10,569			5	%
Total Operating Expenses	1,163			1,181			1,236			1,324			1,319			1,391			1,443			1,506			14	%	4,904			5,659			15	%
Net Credit Losses	1			1			1			3			7			(1		)	17			(6		)	NM		6			17			NM
Provision for Unfunded Lending Commitments	—			—			—			—			—			—			(9		)	12			—		—			3			—
Credit Reserve Build / (Release)	(19		)	(33		)	(16		)	4			—			27			(18		)	7			75	%	(64		)	16			NM
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Credit Losses and for Benefits and Claims	(18		)	(32		)	(15		)	7			7			26			(10		)	13			86	%	(58		)	36			NM
Income from Continuing Operations before Taxes	1,300			1,362			1,322			1,241			1,234			1,257			1,281			1,102			(11	)%	5,225			4,874			(7	)%
Income Taxes	361			431			396			364			383			379			384			321			(12	)%	1,552			1,467			(5	)%
Income from Continuing Operations	939			931			926			877			851			878			897			781			(11	)%	3,673			3,407			(7	)%
Net Income Attributable to Minority Interests	5			5			5			6			4			5			5			5			—		21			19			(10	)%
Net Income	$	934		$	926		$	921		$	871		$	847		$	873		$	892		$	776		(11	)%	$	3,652		$	3,388		(7	)%
Average Assets (in billions of dollars)	$	99		$	100		$	109		$	120		$	124		$	131		$	133		$	133		11	%	$	107		$	130		21	%
Return on Assets	3.83		%	3.71		%	3.35		%	2.88		%	2.77		%	2.67		%	2.66		%	2.31		%			3.41		%	2.61		%

Revenue Details
Treasury and Trade Solutions	$	1,789		$	1,814		$	1,854		$	1,841		$	1,843		$	1,933		$	1,950		$	1,962		7	%	7,298			7,688			5	%
Securities and Fund Services	656			697			689			731			717			741			764			659			(10	)%	2,773			2,881			4	%
Total	$	2,445		$	2,511		$	2,543		$	2,572		$	2,560		$	2,674		$	2,714		$	2,621		2	%	$	10,071		$	10,569		5	%

Average Deposits and Other Customer Liability Balances (in billions)
North America	$	72		74			81			78			$	79		85			91			94			21	%	$	75		$	86		15	%
EMEA	106			106			111			116			118			119			115			118			2	%	110			118			7	%
Latin America	26			25			26			29			32			33			34			35			21	%	27			34			26	%
Asia	115			115			122			130			126			128			125			121			(7	)%	121			125			3	%
Total	$	319		$	320		$	340		$	353		$	355		$	365		$	365		$	368		4	%	$	333		$	363		9	%

EOP Assets Under Custody (in trillions of dollars)	$	11.8		$	11.3		$	12.4		$	12.6		$	13.0		$	13.5		$	12.5		$	12.5		(1	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

North America

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Net Interest Revenue	$	4,484		$	4,305		$	3,962		$	4,007		$	3,855		$	3,711		$	3,773		$	3,676		(8	)%	$	16,758		$	15,015		(10	)%
Non-Interest Revenue	3,509			2,652			2,603			1,146			2,417			2,390			2,710			1,082			(6	)%	9,910			8,599			(13	)%
Total Revenues, Net of Interest Expense	7,993			6,957			6,565			5,153			6,272			6,101			6,483			4,758			(8	)%	26,668			23,614			(11	)%
Total Operating Expenses	3,462			3,596			3,351			3,561			3,774			3,878			3,724			4,055			14	%	13,970			15,431			10	%
Net Credit Losses	2,231			2,144			2,240			1,841			1,595			1,424			1,195			1,124			(39	)%	8,456			5,338			(37	)%
Credit Reserve Build / (Release)	(25		)	(72		)	215			(478		)	(722		)	(748		)	(569		)	(723		)	(51	)%	(360		)	(2,762		)	NM
Provision Unfunded Lending Commitments	(1		)	(20		)	(5		)	1			9			—			58			36			NM		(25		)	103			NM
Provision for Benefits & Claims	8			5			6			5			6			4			7			5			—		24			22			(8	)%
Provision for Credit Losses and for Benefits and Claims	2,213			2,057			2,456			1,369			888			680			691			442			(68	)%	8,095			2,701			(67	)%
Income from Continuing Operations before Taxes	2,318			1,304			758			223			1,610			1,543			2,068			261			17	%	4,603			5,482			19	%
Income Taxes	718			278			24			(61		)	488			383			589			(25		)	59	%	959			1,435			50	%
Income from Continuing Operations	1,600			1,026			734			284			1,122			1,160			1,479			286			1	%	3,644			4,047			11	%
Net Income (loss) Attributable to Minority Interests	5			1			14			33			(8		)	(7		)	(17		)	3			(91	)%	53			(29		)	NM
Net Income	$	1,595		$	1,025		$	720		$	251		$	1,130		$	1,167		$	1,496		$	283		13	%	$	3,591		$	4,076		14	%
Average Assets (in billions of dollars)	$	544		$	551		$	519		$	527		$	545		$	551		$	545		$	542		3	%	$	535		$	546		2	%
Return on Assets	1.19		%	0.75		%	0.55		%	0.19		%	0.84		%	0.85		%	1.09		%	0.21		%			0.67		%	0.75		%

Revenue by Business
Retail Banking	$	1,279		$	1,324		$	1,373		$	1,349		$	1,188		$	1,250		$	1,282		$	1,391		3	%	$	5,325		$	5,111		(4	)%
Citi-Branded Cards	2,521			2,370			2,368			2,206			2,147			2,117			2,136			2,103			(5	)%	9,465			8,503			(10	)%
Regional Consumer Banking	3,800			3,694			3,741			3,555			3,335			3,367			3,418			3,494			(2	)%	14,790			13,614			(8	)%
Securities and Banking	3,553			2,628			2,203			1,009			2,328			2,125			2,445			660			(35	)%	9,393			7,558			(20	)%
Transaction Services	640			635			621			589			609			609			620			604			3	%	2,485			2,442			(2	)%
Total Revenues	$	7,993		$	6,957		$	6,565		$	5,153		$	6,272		$	6,101		$	6,483		$	4,758		(8	)%	$	26,668		$	23,614		(11	)%

Income (loss) from Continuing Operations by Business
Retail Banking	$	167		$	207		$	205		$	183		$	90		$	102		$	126		$	170		(7	)%	$	762		$	488		(36	)%
Citi-Branded Cards	(150		)	(154		)	(28		)	220			460			584			566			491			NM		(112		)	2,101			NM
Regional Consumer Banking	17			53			177			403			550			686			692			661			64	%	650			2,589			NM
Securities and Banking	1,423			816			430			(204		)	458			337			666			(450		)	NM		2,465			1,011			(59	)%
Transaction Services	160			157			127			85			114			137			121			75			(12	)%	529			447			(16	)%
Total	$	1,600		$	1,026		$	734		$	284		$	1,122		$	1,160		$	1,479		$	286		1	%	$	3,644		$	4,047		11	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

EMEA

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Net Interest Revenue	$	1,174		$	1,203		$	1,215		$	1,210		$	1,168		$	1,073		$	1,168		$	1,163		(4	)%	$	4,802		$	4,572		(5	)%
Non-Interest Revenue	2,579			1,782			1,702			843			2,126			1,855			2,387			1,246			48	%	6,906			7,614			10	%
Total Revenues, Net of Interest Expense	3,753			2,985			2,917			2,053			3,294			2,928			3,555			2,409			17	%	11,708			12,186			4	%
Total Operating Expenses	1,788			2,058			1,821			1,849			1,891			2,006			1,966			2,012			9	%	7,516			7,875			5	%
Net Credit Losses	116			94			82			124			92			72			86			112			(10	)%	416			362			(13	)%
Credit Reserve Build / (Release)	(174		)	(165		)	(150		)	(45		)	(274		)	(105		)	(30		)	(164		)	NM		(534		)	(573		)	(7	)%
Provision Unfunded Lending Commitments	(6		)	(5		)	6			(1		)	(5		)	(5		)	(4		)	12			NM		(6		)	(2		)	67	%
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Credit Losses and for Benefits and Claims	(64		)	(76		)	(62		)	78			(187		)	(38		)	52			(40		)	NM		(124		)	(213		)	(72	)%
Income from Continuing Operations before Taxes	2,029			1,003			1,158			126			1,590			960			1,537			437			NM		4,316			4,524			5	%
Income Taxes	682			280			336			(103		)	498			300			502			(5		)	95	%	1,195			1,295			—
Income from Continuing Operations	1,347			723			822			229			1,092			660			1,035			442			93	%	3,121			3,229			3	%
Net Income Attributable to Minority Interests	20			17			17			17			21			17			22			22			29	%	71			82			15	%
Net Income	$	1,327		$	706		$	805		$	212		$	1,071		$	643		$	1,013		$	420		98	%	$	3,050		$	3,147		3	%
Average Assets (in billions of dollars)	$	241		$	241		$	259		$	269		$	263		$	297		$	310		$	300		12	%	$	253		$	293		16	%
Return on Assets	2.23		%	1.18		%	1.23		%	0.31		%	1.65		%	0.87		%	1.30		%	0.56		%			1.21		%	1.07		%

Revenue by Business
Retail Banking	$	220		$	203		$	184		$	215		$	217		$	212		$	199		$	183		(15	)%	$	822		$	811		(1	)%
Citi-Branded Cards	183			171			163			164			179			176			164			149			(9	)%	681			668			(2	)%
Regional Consumer Banking	403			374			347			379			396			388			363			332			(12	)%	$	1,503		$	1,479		(2	)%
Securities and Banking	2,517			1,763			1,735			834			2,061			1,642			2,299			1,219			46	%	6,849			7,221			5	%
Transaction Services	833			848			835			840			837			898			893			858			2	%	3,356			3,486			4	%
Total	$	3,753		$	2,985		$	2,917		$	2,053		$	3,294		$	2,928		$	3,555		$	2,409		17	%	$	11,708		$	12,186		4	%

Income (loss) from Continuing Operations by Business
Retail Banking	$	(9	)	$	6		$	(24	)	$	(27	)	$	3		$	(17	)	$	(21	)	$	(21	)	22	%	$	(54	)	$	(56	)	(4	)%
Citi-Branded Cards	33			42			41			29			45			45			30			15			(48	)%	145			135			(7	)%
Regional Consumer Banking	24			48			17			2			48			28			9			(6		)	NM		$	91		$	79		(13	)%
Securities and Banking	1,020			355			499			(69		)	766			343			737			162			NM		1,805			2,008			11	%
Transaction Services	303			320			306			296			278			289			289			286			(3	)%	1,225			1,142			(7	)%
Total	$	1,347		$	723		$	822		$	229		$	1,092		$	660		$	1,035		$	442		93	%	$	3,121		$	3,229		3	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

LATIN AMERICA

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Net Interest Revenue	$	2,189		$	2,176		$	2,248		$	2,395		$	2,357		$	2,478		$	2,412		$	2,360		(1	)%	$	9,008		$	9,607		7	%
Non-Interest Revenue	838			856			1,007			1,039			942			1,051			969			983			(5	)%	3,740			3,945			5	%
Total Revenues, Net of Interest Expense	3,027			3,032			3,255			3,434			3,299			3,529			3,381			3,343			(3	)%	12,748			13,552			6	%
Total Operating Expenses	1,525			1,673			1,692			1,834			1,787			1,921			1,921			1,866			2	%	6,724			7,495			11	%
Net Credit Losses	511			471			452			462			411			423			413			458			(1	)%	1,896			1,705			(10	)%
Credit Reserve Build / (Release)	(153		)	(256		)	(353		)	(156		)	(239		)	(13		)	31			58			NM		(918		)	(163		)	82	%
Provision Unfunded Lending Commitments	—			—			—			—			—			—			(9		)	—			—		—			(9		)	—
Provision for Benefits & Claims	36			22			32			37			38			22			38			32			(14	)%	127			130			2	%
Provision for Credit Losses and for Benefits and Claims	394			237			131			343			210			432			473			548			60	%	1,105			1,663			50	%
Income from Continuing Operations before Taxes	1,108			1,122			1,432			1,257			1,302			1,176			987			929			(26	)%	4,919			4,394			(11	)%
Income Taxes	321			295			449			310			376			316			266			212			(32	)%	1,375			1,170			(15	)%
Income from Continuing Operations	787			827			983			947			926			860			721			717			(24	)%	3,544			3,224			(9	)%
Net Income (loss) Attributable to Minority Interests	(5		)	1			(2		)	—			(3		)	1			—			1			—		(6		)	(1		)	83	%
Net Income	$	792		$	826		$	985		$	947		$	929		$	859		$	721		$	716		(24	)%	$	3,550		$	3,225		(9	)%
Average Assets (in billions of dollars)	$	146		$	149		$	150		$	159		$	171		$	177		$	169		$	162		2	%	$	151		$	170		13	%
Return on Assets	2.20		%	2.22		%	2.61		%	2.36		%	2.20		%	1.95		%	1.69		%	1.75		%			2.35		%	1.90		%

Revenue by Business
Retail Banking	$	1,187		$	1,227		$	1,290		$	1,330		$	1,336		$	1,402		$	1,397		$	1,347		1	%	$	5,034		$	5,482		9	%
Citi-Branded Cards	880			881			933			957			961			1,010			1,023			1,007			5	%	3,651			4,001			10	%
Regional Consumer Banking	2,067			2,108			2,223			2,287			2,297			2,412			2,420			2,354			3	%	$	8,685		$	9,483		9	%
Securities and Banking	611			561			643			732			586			681			519			578			(21	)%	2,547			2,364			(7	)%
Transaction Services	349			363			389			415			416			436			442			411			(1	)%	1,516			1,705			12	%
Total	$	3,027		$	3,032		$	3,255		$	3,434		$	3,299		$	3,529		$	3,381		$	3,343		(3	)%	$	12,748		$	13,552		6	%

Income from Continuing Operations by Business
Retail Banking	$	232		$	250		$	251		$	205		$	299		$	242		$	173		$	209		2	%	$	938		$	923		(2	)%
Citi-Branded Cards	133			216			281			221			179			160			171			168			(24	)%	851			678			(20	)%
Regional Consumer Banking	365			466			532			426			478			402			344			377			(12	)%	$	1,789		$	1,601		(11	)%
Securities and Banking	266			204			277			344			274			297			208			199			(42	)%	1,091			978			(10	)%
Transaction Services	156			157			174			177			174			161			169			141			(20	)%	664			645			(3	)%
Total	$	787		$	827		$	983		$	947		$	926		$	860		$	721		$	717		(24	)%	$	3,544		$	3,224		(9	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

ASIA

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Net Interest Revenue	$	1,953		$	1,996		$	1,990		$	2,078		$	2,081		$	2,284		$	2,310		$	2,266		9	%	$	8,017		$	8,941		12	%
Non-Interest Revenue	1,796			1,519			1,562			1,542			1,558			1,506			1,976			1,238			(20	)%	6,419			6,278			(2	)%
Total Revenues, Net of Interest Expense	3,749			3,515			3,552			3,620			3,639			3,790			4,286			3,504			(3	)%	14,436			15,219			5	%
Total Operating Expenses	1,820			1,849			2,067			2,198			2,149			2,257			2,167			2,246			2	%	7,934			8,819			11	%
Net Credit Losses	284			256			246			235			220			234			239			209			(11	)%	1,021			902			(12	)%
Credit Reserve Build / (Release)	(8		)	(146		)	(139		)	(62		)	(23		)	(43		)	(62		)	82			NM		(355		)	(46		)	87	%
Provision for Unfunded Lending Commitments	—			(1		)	—			—			—			—			—			—			—		(1		)	—			100	%
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Credit Losses and for Benefits and Claims	276			109			107			173			197			191			177			291			68	%	665			856			29	%
Income from Continuing Operations before Taxes	1,653			1,557			1,378			1,249			1,293			1,342			1,942			967			(23	)%	5,837			5,544			(5	)%
Income Taxes	298			394			384			237			338			354			531			323			36	%	1,313			1,546			18	%
Income from Continuing Operations	1,355			1,163			994			1,012			955			988			1,411			644			(36	)%	4,524			3,998			(12	)%
Net Income Attributable to Minority Interests	1			1			1			1			1			1			1			1			—		4			4			—
Net Income	$	1,354		$	1,162		$	993		$	1,011		$	954		$	987		$	1,410		$	643		(36	)%	$	4,520		$	3,994		(12	)%
Average Assets (in billions of dollars)	$	302		$	309		$	324		$	339		$	344		$	356		$	357		$	344		1	%	$	319		$	350		10	%
Return on Assets	1.82		%	1.51		%	1.22		%	1.18		%	1.12		%	1.11		%	1.57		%	0.74		%			1.42		%	1.14		%

Revenue by Business
Retail Banking	$	1,112		$	1,147		$	1,142		$	1,185		$	1,148		$	1,235		$	1,255		$	1,187		—		$	4,586		$	4,825		5	%
Citi-Branded Cards	684			693			692			741			748			791			812			833			12	%	2,810			3,184			13	%
Regional Consumer Banking	1,796			1,840			1,834			1,926			1,896			2,026			2,067			2,020			5	%	$	7,396		$	8,009		8	%
Securities and Banking	1,330			1,010			1,020			966			1,045			1,033			1,460			736			(24	)%	4,326			4,274			(1	)%
Transaction Services	623			665			698			728			698			731			759			748			3	%	2,714			2,936			8	%
Total	$	3,749		$	3,515		$	3,552		$	3,620		$	3,639		$	3,790		$	4,286		$	3,504		(3	)%	$	14,436		$	15,219		5	%

Income from Continuing Operations by Business
Retail Banking	$	409		$	371		$	323		$	333		$	280		$	306		$	356		$	232		(30	)%	$	1,436		$	1,174		(18	)%
Citi-Branded Cards	156			192			173			174			180			179			211			183			5	%	695			753			8	%
Regional Consumer Banking	565			563			496			507			460			485			567			415			(18	)%	$	2,131		$	1,927		(10	)%
Securities and Banking	470			303			179			186			210			212			526			(50		)	NM		1,138			898			(21	)%
Transaction Services	320			297			319			319			285			291			318			279			(13	)%	1,255			1,173			(7	)%
Total	$	1,355		$	1,163		$	994		$	1,012		$	955		$	988		$	1,411		$	644		(36	)%	$	4,524		$	3,998		(12	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

STATEMENT OF INCOME AND BALANCE SHEET DATA

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)
Revenues
Net interest revenue	$	4,375		$	3,971		$	3,519		$	2,908		$	2,630		$	2,652		$	2,473		$	2,532		(13	)%	14,773			10,287			(30	)%
Non-interest revenue	2,175			948			334			1,057			653			1,359			353			244			(77	)%	4,514			2,609			(42	)%
Total revenues, net of interest expense	6,550			4,919			3,853			3,965			3,283			4,011			2,826			2,776			(30	)%	19,287			12,896			(33	)%

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	5,241			4,998			4,640			4,191			3,950			2,995			2,581			2,205			(47	)%	19,070			11,731			(38	)%
Credit Reserve Build / (Release)	340			(800		)	(1,567		)	(1,473		)	(2,112		)	(1,057		)	(835		)	(716		)	51	%	(3,500		)	(4,720		)	(35	)%
Provision for loan losses	5,581			4,198			3,073			2,718			1,838			1,938			1,746			1,489			(45	)%	15,570			7,011			(55	)%
Provision for Benefits & Claims	243			185			189			196			216			193			215			196			—		813			820			1	%
Provision for unfunded lending commitments	(26		)	(45		)	26			(37		)	21			(8		)	(3		)	(51		)	(38	)%	(82		)	(41		)	50	%
Total provisions for credit losses and for benefits and claims	5,798			4,338			3,288			2,877			2,075			2,123			1,958			1,634			(43	)%	16,301			7,790			(52	)%

Total operating expenses	2,573			2,435			2,228			2,379			2,019			2,204			2,104			2,189			(8	)%	9,615			8,516			(11	)%

Income (Loss) from Continuing Operations before Income Taxes	(1,821		)	(1,854		)	(1,663		)	(1,291		)	(811		)	(316		)	(1,236		)	(1,047		)	19	%	(6,629		)	(3,410		)	49	%
Provision (benefits) for income taxes	(946		)	(650		)	(597		)	(380		)	(264		)	(148		)	(441		)	(242		)	36	%	(2,573		)	(1,095		)	57	%

Income (Loss) from Continuing Operations	(875		)	(1,204		)	(1,066		)	(911		)	(547		)	(168		)	(795		)	(805		)	12	%	(4,056		)	(2,315		)	43	%
Net Income (Loss) attributable to noncontrolling Minority Interests (Minority Interest)	11			8			80			108			61			50			7			1			(99	)%	207			119			(43	)%
Citi Holding’s Net Income (Loss)	$	(886	)	$	(1,212	)	$	(1,146	)	$	(1,019	)	$	(608	)	$	(218	)	$	(802	)	$	(806	)	21	%	$	(4,263	)	$	(2,434	)	43	%

Balance Sheet Data (in billions):

Total EOP Assets	$	503		$	465		$	421		$	359		$	337		$	308		$	289		$	269		(25	)%

Total EOP Deposits	$	86		$	82		$	82		$	79		$	77		$	73		$	71		$	64		(19	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

BROKERAGE AND ASSET MANAGEMENT

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Net Interest Revenue	$	(65	)	$	(71	)	$	(87	)	$	(54	)	$	(46	)	$	(44	)	$	(42	)	$	(48	)	11	%	$	(277	)	$	(180	)	35	%
Non-Interest Revenue	405			212			79			190			183			91			97			91			(52	)%	886			462			(48	)%
Total Revenues, Net of Interest Expense	340			141			(8		)	136			137			47			55			43			(68	)%	609			282			(54	)%
Total Operating Expenses	273			267			231			216			174			230			145			180			(17	)%	987			729			(26	)%
Net Credit Losses	11			1			2			3			1			—			3			—			(100	)%	17			4			(76	)%
Credit Reserve Build / (Release)	(7		)	(3		)	(4		)	(4		)	(1		)	(2		)	—			—			100	%	(18		)	(3		)	83	%
Provision for Benefits & Claims	9			9			9			11			8			9			11			20			82	%	38			48			26	%
Provision for Unfunded Lending Commitments	—			(6		)	—			—			—			1			(1		)	(1		)	—		(6		)	(1		)	83	%
Provision for Loan Losses and for Benefits and Claims	13			1			7			10			8			8			13			19			90	%	31			48			55	%
Income (loss) from Continuing Operations before Taxes	54			(127		)	(246		)	(90		)	(45		)	(191		)	(103		)	(156		)	(73	)%	(409		)	(495		)	(21	)%
Income Taxes (benefits)	(22		)	(33		)	(93		)	(35		)	(35		)	(91		)	(20		)	(63		)	(80	)%	(183		)	(209		)	(14	)%
Income (loss) from Continuing Operations	76			(94		)	(153		)	(55		)	(10		)	(100		)	(83		)	(93		)	(69	)%	(226		)	(286		)	(27	)%
Net Income (loss) Attributable to Minority Interests	(5		)	7			6			3			2			1			7			(1		)	NM		11			9			(18	)%
Net Income (Loss)	$	81		$	(101	)	$	(159	)	$	(58	)	$	(12	)	$	(101	)	$	(90	)	$	(92	)	(59	)%	$	(237	)	$	(295	)	(24	)%
EOP Assets (in billions of dollars)	$	31		$	30		$	28		$	27		$	27		$	27		$	26		$	27		—

EOP Deposits (in billions of dollars)	$	59		$	57		$	57		$	58		$	58		$	55		$	54		$	55		(5	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING

Page 1

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Net Interest Revenue	$	4,020		$	3,688		$	3,383		$	2,740		$	2,617		$	2,831		$	2,750		$	2,674		(2	)%	$	13,831		$	10,872		(21	)%
Non-Interest Revenue	650			518			164			663			536			118			248			293			(56	)%	1,995			1,195			(40	)%
Total Revenues, Net of Interest Expense	4,670			4,206			3,547			3,403			3,153			2,949			2,998			2,967			(13	)%	15,826			12,067			(24	)%
Total Operating Expenses	2,165			2,039			1,876			1,977			1,763			1,879			1,898			1,954			(1	)%	8,057			7,494			(7	)%
Net Credit Losses	4,938			4,535			3,949			3,618			3,279			2,776			2,376			2,228			(38	)%	17,040			10,659			(37	)%
Credit Reserve Build / (Release)	386			(421		)	(953		)	(783		)	(1,110		)	(664		)	(558		)	(530		)	32	%	(1,771		)	(2,862		)	(62	)%
Provision for Benefits & Claims	234			176			180			185			208			184			204			176			(5	)%	775			772			—
Provision for Unfunded Lending Commitments	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Loan Losses and for Benefits and Claims	5,558			4,290			3,176			3,020			2,377			2,296			2,022			1,874			(38	)%	16,044			8,569			(47	)%
Income (loss) from Continuing Operations before Taxes	(3,053		)	(2,123		)	(1,505		)	(1,594		)	(987		)	(1,226		)	(922		)	(861		)	46	%	(8,275		)	(3,996		)	52	%
Income Taxes (benefits)	(1,224		)	(897		)	(675		)	(491		)	(388		)	(480		)	(337		)	(166		)	66	%	(3,287		)	(1,371		)	58	%
Income (loss) from Continuing Operations	(1,829		)	(1,226		)	(830		)	(1,103		)	(599		)	(746		)	(585		)	(695		)	37	%	(4,988		)	(2,625		)	47	%
Net Income (loss) Attributable to Minority Interests	—			7			—			1			—			—			—			2			100	%	8			2			(75	)%
Net Income (Loss)	$	(1,829	)	$	(1,233	)	$	(830	)	$	(1,104	)	$	(599	)	$	(746	)	$	(585	)	$	(697	)	37	%	$	(4,996	)	$	(2,627	)	47	%
Average Assets (in billions of dollars)	$	355		$	333		$	317		$	291		$	246		$	233		$	225		$	208		(29	)%	$	324		$	228		(30	)%
EOP Assets (in billions of dollars)	$	346		$	323		$	298		$	252		$	237		$	228		$	218		$	201		(20	)%

Net Credit Losses as a % of Average Loans	6.30		%	6.03		%	6.31		%	6.21		%	6.15		%	5.43		%	4.85		%	4.82		%

Revenue by Business
International	$	335		$	444		$	500		$	231		$	115		$	394		$	215		$	267		16	%	$	1,510		$	991		(34	)%
Retail Partner Cards	2,206			2,113			2,060			1,787			1,741			1,700			1,790			1,749			(2	)%	8,166			6,980			(15	)%
North America (ex Cards)	2,129			1,649			987			1,385			1,297			855			993			951			(31	)%	6,150			4,096			(33	)%
Total Revenues	$	4,670		$	4,206		$	3,547		$	3,403		$	3,153		$	2,949		$	2,998		$	2,967		(13	)%	$	15,826		$	12,067		(24	)%

Net Credit Losses by Business
International	$	612		$	495		$	444		$	376		$	341		$	286		$	237		$	193		(49	)%	$	1,927		$	1,057		(45	)%
Retail Partner Cards	1,932			1,775			1,505			1,352			1,111			956			784			758			(44	)%	6,564			3,609			(45	)%
North America (ex Cards)	2,394			2,265			2,000			1,890			1,827			1,534			1,355			1,277			(32	)%	8,549			5,993			(30	)%
Total Net Credit Losses	$	4,938		$	4,535		$	3,949		$	3,618		$	3,279		$	2,776		$	2,376		$	2,228		(38	)%	$	17,040		$	10,659		(37	)%

Income (Loss) from Continuing Operations by Business
International	$	(557	)	$	(186	)	$	(115	)	$	(281	)	$	(332	)	$	(135	)	$	(160	)	$	(233	)	17	%	$	(1,139	)	$	(860	)	24	%
Retail Partner Cards	(259		)	102			381			87			426			490			476			327			NM		311			1,719			NM
North America (ex Cards)	(1,013		)	(1,142		)	(1,096		)	(909		)	(693		)	(1,101		)	(901		)	(789		)	13	%	(4,160		)	(3,484		)	16	%
Total Income (Loss) from Continuing Operations	$	(1,829	)	$	(1,226	)	$	(830	)	$	(1,103	)	$	(599	)	$	(746	)	$	(585	)	$	(695	)	37	%	$	(4,988	)	$	(2,625	)	47	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING - Page 2

(In millions of dollars, except branches)

																									4Q11 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)

International Key Indicators

Branches	539			537			537			506			503			503			413			399			(21	)%
Average Loans (in billions) (1)	$	30.0		$	26.1		$	25.0		$	23.6		$	18.9		$	17.9		$	15.9		$	14.4		(39	)%
EOP Loans (1):
Real Estate Lending	$	7.5		$	7.0		$	7.0		$	6.6		$	6.5		$	5.5		$	5.3		$	5.0		(24	)%
Cards	6.8			6.2			6.5			6.2			3.5			3.6			3.3			2.7			(56	)%
Commercial Markets	1.2			1.2			1.2			1.2			1.1			1.0			0.7			0.5			(58	)%
Personal and Other	12.2			10.2			10.0			7.9			7.0			6.5			5.5			2.6			(67	)%
EOP Loans (in billions of dollars)	$	27.7		$	24.6		$	24.7		$	21.9		$	18.1		$	16.6		$	14.8		$	10.8		(51	)%
Net Interest Revenue	$	465		$	390		$	396		$	144		$	20		$	291		$	186		$	259		80	%
As a % of Average Loans	6.29		%	5.99		%	6.28		%	2.42		%	0.43		%	6.52		%	4.64		%	7.14		%
Net Credit Losses	$	612		$	495		$	444		$	376		$	341		$	286		$	237		$	193		(49	)%
As a % of Average Loans	8.27		%	7.61		%	7.05		%	6.32		%	7.32		%	6.41		%	5.91		%	5.32		%
Loans 90+ Days Past Due	$	953		$	724		$	713		$	657		$	571		$	530		$	480		$	422		(36	)%
As a % of EOP Loans	3.44		%	2.94		%	2.89		%	3.00		%	3.15		%	3.19		%	3.24		%	3.91		%
Loans 30-89 Days Past Due	$	1,059		$	939		$	978		$	848		$	815		$	726		$	677		$	498		(41	)%
As a % of EOP Loans	3.82		%	3.82		%	3.96		%	3.87		%	4.50		%	4.37		%	4.57		%	4.61		%

North America Key Indicators - Retail Partner Cards (1)

EOP Open Accounts (in millions)	95.1			92.4			90.8			89.1			86.8			85.8			84.5			84.2			(5	)%
Purchase Sales (in billions)	$	18.7		$	21.4		$	20.1		$	21.9		$	16.3		$	19.6		$	18.8		$	21.5		(2	)%
Average Loans (in billions) (1)	$	57.1		$	53.1		$	48.8		$	45.8		$	43.8		$	41.8		$	41.4		$	41.3		(10	)%
EOP Loans (in billions) (1)	$	54.5		$	50.2		$	46.0		$	46.4		$	41.3		$	41.9		$	41.1		$	42.8		(8	)%
Average Yield (2)	17.61		%	17.73		%	17.99		%	17.47		%	17.83		%	17.88		%	18.05		%	17.76		%
Net Interest Revenue (3)	$	2,044		$	1,989		$	1,878		$	1,664		$	1,651		$	1,663		$	1,749		$	1,728		4	%
As a % of Avg. Loans	14.52		%	15.02		%	15.27		%	14.41		%	15.29		%	15.96		%	16.76		%	16.60		%
Net Credit Losses	$	1,932		$	1,775		$	1,505		$	1,352		$	1,111		$	956		$	784		$	758		(44	)%
As a % of Avg. Loans	13.72		%	13.41		%	12.24		%	11.71		%	10.29		%	9.17		%	7.51		%	7.28		%
Net Credit Margin (4)	$	254		$	318		$	536		$	416		$	607		$	722		$	983		$	972		NM
As a % of Avg. Loans	1.80		%	2.40		%	4.36		%	3.60		%	5.62		%	6.93		%	9.42		%	9.34		%
Loans 90+ Days Past Due	$	2,374		$	1,996		$	1,739		$	1,601		$	1,300		$	1,059		$	1,016		$	1,054		(34	)%
As a % of EOP Loans	4.36		%	3.98		%	3.78		%	3.45		%	3.15		%	2.53		%	2.47		%	2.46		%
Loans 30-89 Days Past Due	$	2,316		$	2,090		$	1,914		$	1,685		$	1,460		$	1,315		$	1,329		$	1,282		(24	)%
As a % of EOP Loans	4.25		%	4.16		%	4.16		%	3.63		%	3.54		%	3.14		%	3.23		%	3.00		%

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

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

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

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING - Page 3

(In millions of dollars, except branches)

																									4Q11 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)

North America Key Indicators (ex Cards) (1)

Branches	2,250			2,218			1,841			1,837			1,835			1,816			1,794			1,729			(6	)%

Average Loans (in billions of dollars)	$	230.9		$	222.5		$	174.6		$	161.6		$	153.6		$	145.2		$	136.9		$	127.7		(21	)%

EOP Loans (in billions of dollars)	$	226.7		$	211.5		$	167.1		$	156.6		$	147.7		$	139.5		$	130.7		$	122.4		(22	)%
Net Interest Revenue	1,511			1,309			1,109			932			946			877			815			687			(26	)%
As a % of Avg. Loans	2.65		%	2.36		%	2.52		%	2.29		%	2.50		%	2.42		%	2.36		%	2.13		%
Net Credit Losses	$	2,394		$	2,265		$	2,000		$	1,890		$	1,827		$	1,534		$	1,355		$	1,277		(32	)%
As a % of Average Loans	4.20		%	4.08		%	4.54		%	4.64		%	4.82		%	4.24		%	3.93		%	3.97		%
Loans 90+ Days Past Due (2) (3)	$	13,470		$	11,643		$	9,362		$	7,958		$	6,660		$	5,493		$	5,339		$	5,495		(31	)%
As a % of EOP Loans	6.27		%	5.84		%	6.03		%	5.43		%	4.83		%	4.23		%	4.40		%	4.85		%
Loans 30-89 Days Past Due (2) (3)	$	8,803		$	8,112		$	7,458		$	6,863		$	5,294		$	5,201		$	5,209		$	4,560		(34	)%
As a % of EOP Loans	4.10		%	4.07		%	4.81		%	4.68		%	3.84		%	4.01		%	4.29		%	4.03		%

KEY INDICATORS:

Residential Real Estate Lending
Average Loans (in billions of dollars)	$	150.4		$	145.1		$	136.9		$	129.2		$	123.6		$	118.6		$	114.0		$	109.6		(15	)%
EOP Loans (in billions of dollars)	$	147.7		$	139.6		$	132.5		$	125.6		$	119.9		$	116.0		$	110.9		$	107.5		(14	)%
Third Party Mortgage Serv Portfolio (EOP, in billions)	$	341.4		$	327.6		$	307.7		$	259.9		$	244.4		$	234.8		$	207.2		$	195.1		(25	)%
Net Servicing & Gain/(Loss) on Sale	$	69.6		$	180.7		$	80.8		$	172.2		$	53.4		$	(20.3	)	$	86.4		$	118.1		(31	)%
Net Interest Revenue on Loans	$	582		$	461		$	440		$	409		$	434		$	371		$	310		$	255		(38	)%
As a % of Avg. Loans	1.57		%	1.27		%	1.28		%	1.26		%	1.42		%	1.25		%	1.08		%	0.92		%
Net Credit Losses	$	1,699		$	1,546		$	1,381		$	1,268		$	1,264		$	1,088		$	979		$	945		(25	)%
As a % of Avg. Loans	4.58		%	4.27		%	4.00		%	3.89		%	4.15		%	3.68		%	3.41		%	3.42		%
Loans 90+ Days Past Due (2) (3)	$	10,938		$	9,300		$	8,231		$	6,860		$	5,703		$	4,967		$	4,836		$	5,091		(26	)%
As a % of EOP Loans	8.05		%	7.29		%	6.83		%	5.94		%	5.18		%	4.67		%	4.76		%	5.18		%
Loans 30-89 Days Past Due (2) (3)	$	6,313		$	5,771		$	5,769		$	5,374		$	4,265		$	4,344		$	4,401		$	4,253		(21	)%
As a % of EOP Loans	4.65		%	4.52		%	4.78		%	4.65		%	3.87		%	4.09		%	4.34		%	4.33		%

(1)	The third quarter of 2010 reflects the sale of The Student Loan Corporation. This sale is reported as discontinued operations for the third and fourth quarters of 2010 only. Prior periods were not reclassified due to the immateriality of the impact in those periods.

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

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

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

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING - Page 4

North America

(In millions of dollars)

																									4Q11 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)

KEY INDICATORS:

Personal Loans
Average Loans (in billions of dollars)	$	15.0		$	14.0		$	13.4		$	13.1		$	12.5		$	11.5		$	11.3		$	11.0		(16	)%
EOP Loans (in billions of dollars)	$	14.5		$	13.6		$	13.3		$	12.9		$	12.2		$	11.4		$	11.1		$	10.9		(16	)%
Net Interest Revenue on Loans	$	590		$	551		$	534		$	534		$	509		$	518		$	522		$	517		(3	)%
As a % of Avg. Loans	15.95		%	15.79		%	15.81		%	16.17		%	16.51		%	18.07		%	18.33		%	18.65		%
Net Credit Losses	$	383		$	428		$	363		$	351		$	387		$	313		$	246		$	236		(33	)%
As a % of Avg. Loans	10.36		%	12.26		%	10.75		%	10.63		%	12.56		%	10.92		%	8.64		%	8.51		%
Loans 90+ Days Past Due	$	520		$	437		$	487		$	547		$	449		$	350		$	352		$	355		(35	)%
As a % of EOP Loans	3.59		%	3.21		%	3.66		%	4.24		%	3.68		%	3.07		%	3.17		%	3.26		%
Loans 30-89 Days Past Due	$	323		$	343		$	405		$	335		$	244		$	251		$	247		$	239		(29	)%
As a % of EOP Loans	2.23		%	2.52		%	3.05		%	2.60		%	2.00		%	2.20		%	2.23		%	2.19		%

Commercial Real Estate
Average Loans (in billions of dollars)	$	10.5		$	10.1		$	7.7		$	4.5		$	3.3		$	1.9		$	1.2		$	1.1		(76	)%
EOP Loans (in billions of dollars)	$	10.3		$	9.9		$	5.4		$	3.4		$	2.0		$	1.3		$	1.1		$	0.5		(85	)%
Net Interest Revenue on Loans	$	33		$	33		$	19		$	8		$	3		$	3		$	4		$	3		(63	)%
As a % of Avg. Loans	1.27		%	1.31		%	0.98		%	0.71		%	0.37		%	0.63		%	1.32		%	1.08		%
Net Credit Losses	$	64		$	93		$	61		$	39		$	27		$	9		$	7		$	9		(77	)%
As a % of Avg. Loans	2.47		%	3.69		%	3.14		%	3.44		%	3.32		%	1.90		%	2.31		%	3.25		%
Loans 90+ Days Past Due (1)	$	306		$	258		$	77		$	73		$	57		$	61		$	34		$	30		(59	)%
As a % of EOP Loans	2.97		%	2.61		%	1.43		%	2.15		%	2.85		%	4.69		%	3.09		%	6.00		%
Loans 30-89 Days Past Due (1)	$	136		$	155		$	112		$	85		$	29		$	13		$	10		$	5		(94	)%
As a % of EOP Loans	1.32		%	1.57		%	2.07		%	2.50		%	1.45		%	1.00		%	0.91		%	1.00		%

Student Loans, Auto and Other (2)
Average Loans (in billions of dollars)	$	55.0		$	53.3		$	16.6		$	14.8		$	14.2		$	13.2		$	10.4		$	6.0		(59	)%
EOP Loans (in billions of dollars)	$	54.2		$	48.4		$	15.9		$	14.7		$	13.6		$	10.8		$	7.6		$	3.5		(76	)%
Net Credit Losses	$	248		$	198		$	195		$	232		$	149		$	124		$	123		$	87		(63	)%
As a % of Avg. Loans	1.83		%	1.49		%	4.66		%	6.22		%	4.26		%	3.77		%	4.69		%	5.75		%
Loans 90+ Days Past Due (3) (4)	$	1,706		$	1,648		$	567		$	478		$	451		$	115		$	117		$	19		(96	)%
As a % of EOP Loans	3.15		%	3.40		%	3.57		%	3.25		%	3.32		%	1.06		%	1.54		%	0.54		%
Loans 30-89 Days Past Due (3) (4)	$	2,031		$	1,843		$	1,172		$	1,069		$	756		$	593		$	551		$	63		(94	)%
As a % of EOP Loans	3.75		%	3.81		%	7.37		%	7.27		%	5.56		%	5.49		%	7.25		%	1.80		%

(1)	The third quarter of 2010 excludes approximately $153 million (90+ Days Past Due) and $16 million (30-89 Days Past Due) related to loan sales or transfers from Loans to Loans-held-for-sale (Other Assets) on the Consolidated Balance Sheet.

(2)	The third quarter of 2010 reflects the sale of The Student Loan Corporation. This sale is reported as discontinued operations for the third and fourth quarters of 2010 only. Prior periods were not reclassified due to the immateriality of the impact in those periods.

(3)	The second quarter of 2010 excludes an estimated $27 million (90+ Days Past Due) and $145 million (30-89 Days Past Due) related to the transfer from Loans to Loans-held-for-sale (Other Assets) on the Consolidated Balance Sheet related to the announced sale of a portfolio, which closed in the third quarter of 2010.

(4)	The second quarter of 2011 excludes an estimated $353 million (90+ Days Past Due) and $122 million (30-89 Days Past Due) related to transfers from Loans to Loans-held-for-sale (Other Assets) on the Consolidated Balance Sheet.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

SPECIAL ASSET POOL

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Net Interest Revenue	$	420		$	354		$	223		$	222		$	59		$	(135	)	$	(235	)	$	(94	)	NM		$	1,219		$	(405	)	NM
Non-Interest Revenue	1,120			218			91			204			(66		)	1,150			8			(140		)	NM		1,633			952			(42	)%
Total Revenues, Net of Interest Expense	1,540			572			314			426			(7		)	1,015			(227		)	(234		)	NM		2,852			547			(81	)%
Total Operating Expenses	135			129			121			186			82			95			61			55			(70	)%	571			293			(49	)%
Net Credit Losses	292			462			689			570			670			219			202			(23		)	NM		2,013			1,068			(47	)%
Credit Reserve Build / (Release)	(39		)	(376		)	(610		)	(686		)	(1,001		)	(391		)	(277		)	(186		)	73	%	(1,711		)	(1,855		)	(8	)%
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Unfunded Lending Commitments	(26		)	(39		)	26			(37		)	21			(9		)	(2		)	(50		)	(35	)%	(76		)	(40		)	47	%
Provision for Loan Losses and for Benefits and Claims	227			47			105			(153		)	(310		)	(181		)	(77		)	(259		)	(69	)%	226			(827		)	NM
Income from Continuing Operations before Taxes	1,178			396			88			393			221			1,101			(211		)	(30		)	NM		2,055			1,081			(47	)%
Income Taxes	300			280			171			146			159			423			(84		)	(13		)	NM		897			485			(46	)%
Income from Continuing Operations	878			116			(83		)	247			62			678			(127		)	(17		)	NM		1,158			596			(49	)%
Net Income (loss) Attributable to Minority Interests	16			(6		)	74			104			59			49			—			—			(100	)%	188			108			(43	)%
Net Income (Loss)	$	862		$	122		$	(157	)	$	143		$	3		$	629		$	(127	)	$	(17	)	NM		$	970		$	488		(50	)%

EOP Assets (in billions of dollars)	$	126		$	112		$	95		$	80		$	73		$	53		$	45		$	41		(49	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

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

Taxable Equivalent Basis

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

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

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

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

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

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

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

(1)	Net Interest Revenue includes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $124 million for the fourth quarter of 2010, $138 million for the third quarter of 2011 and $141 million for the fourth quarter of 2011.

(2)	Citigroup Average Balances and Interest Rates include both domestic and international operations.

(3)	Monthly averages have been used by certain subsidiaries where daily averages are unavailable.

(4)	Average Rate % is calculated as annualized interest over average volumes.

(5)	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 FIN 41.

(7)	Interest expense on trading account liabilities of ICG is reported as a reduction of interest revenue. Interest revenue and interest expense on cash collateral positions are reported in trading account assets and trading account liabilities, respectively.

(8)	Nonperforming loans are included in the average loan balances.

(9)	Excludes hybrid financial instruments with changes recorded in Principal Transactions.

Reclassified to conform to the current period’s presentation and has been reclassified to exclude Discontinued Operations.

EOP DEPOSITS

TOTAL CITIGROUP

(In billions of dollars)

																	4Q11 vs.
	1Q		2Q		3Q		4Q		1Q		2Q		3Q		4Q		4Q10 Increase/
	2010		2010		2010		2010		2011		2011		2011		2011		(Decrease)

Citicorp Deposits by Business

Regional Consumer Banking
North America	$	146.4	$	144.7	$	143.7	$	145.2	$	145.4	$	144.1	$	147.4	$	148.8	2	%
EMEA	9.4		8.7		9.4		9.7		9.8		10.0		9.4		9.5		(2	)%
Latin America	40.6		40.9		41.7		46.3		48.7		49.0		43.7		44.8		(3	)%
Asia	98.4		97.1		105.4		107.3		109.8		112.7		109.3		109.7		2	%
Total	$	294.8	$	291.4	$	300.2	$	308.5	$	313.7	$	315.8	$	309.8	$	312.8	1	%

ICG
Securities and Banking	$	120.5	$	112.4	$	115.5	$	111.4	$	115.0	$	113.8	$	104.3	$	110.9	—
Transaction Services	314.5		314.9		341.4		339.8		355.3		358.3		361.7		373.6		10	%
Total	$	435.0	$	427.3	$	456.9	$	451.2	$	470.3	$	472.1	$	466.0	$	484.5	7	%

Total Citicorp	$	729.8	$	718.7	$	757.1	$	759.7	$	784.0	$	787.9	$	775.8	$	797.3	5	%

Citi Holdings Deposits

Brokerage and Asset Management	$	58.9	$	57.1	$	56.9	$	57.8	$	57.7	$	55.2	$	53.7	$	54.6	(6	)%
Local Consumer Lending	26.6		25.1		25.4		21.4		19.4		18.1		17.1		9.8		(54	)%
Total Citi Holdings	$	85.5	$	82.2	$	82.3	$	79.2	$	77.1	$	73.3	$	70.8	$	64.4	(19	)%

Corporate/Other Deposits	$	12.6	$	13.1	$	10.7	$	6.1	$	4.8	$	5.1	$	4.7	$	5.2	(15	)%

Total Citigroup Deposits	$	827.9	$	814.0	$	850.1	$	845.0	$	865.9	$	866.3	$	851.3	$	866.9	3	%

Reclassified to conform to the current period’s presentation.

EOP LOANS

TOTAL CITIGROUP

(In billions of dollars)

																	4Q11 vs.
	1Q		2Q		3Q		4Q		1Q		2Q		3Q		4Q		4Q10 Increase/
	2010		2010		2010		2010		2011		2011		2011		2011		(Decrease)

Citicorp:
Regional Consumer Banking

North America
Credit Cards	$	77.7	$	77.2	$	76.6	$	77.5	$	73.2	$	73.7	$	73.8	$	75.9	(2	)%
Retail Banking	31.5		30.2		29.4		30.7		33.0		34.5		36.5		38.9		27	%
Total	$	109.2	$	107.4	$	106.0	$	108.2	$	106.2	$	108.2	$	110.3	$	114.8	6	%

EMEA
Credit Cards	$	2.9	$	2.6	$	2.9	$	2.8	$	2.9	$	3.0	$	2.7	$	2.7	(4	)%
Retail Banking	4.6		4.0		4.4		4.2		4.5		4.7		4.3		4.2		—
Total	$	7.5	$	6.6	$	7.3	$	7.0	$	7.4	$	7.7	$	7.0	$	6.9	(1	)%

Latin America
Credit Cards	$	12.1	$	12.0	$	12.6	$	13.4	$	13.5	$	14.2	$	12.9	$	13.7	2	%
Retail Banking	18.4		18.5		19.6		20.4		22.0		23.7		22.0		24.0		18	%
Total	$	30.5	$	30.5	$	32.2	$	33.8	$	35.5	$	37.9	$	34.9	$	37.7	12	%

Asia
Credit Cards	$	17.5	$	17.6	$	19.0	$	20.4	$	20.0	$	21.0	$	20.0	$	21.0	3	%
Retail Banking	54.3		54.5		58.2		60.7		63.5		66.1		64.5		66.2		9	%
Total	$	71.8	$	72.1	$	77.2	$	81.1	$	83.5	$	87.1	$	84.5	$	87.2	8	%

Total Consumer Loans
Credit Cards	$	110.2	$	109.4	$	111.1	$	114.1	$	109.6	$	111.9	$	109.4	$	113.3	(1	)%
Retail Banking	108.8		107.2		111.6		116.0		123.0		129.0		127.3		133.3		15	%
Total Consumer	$	219.0	$	216.6	$	222.7	$	230.1	$	232.6	$	240.9	$	236.7	$	246.6	7	%

Total Corporate Loans
Securities and Banking	$	129.8	$	127.4	$	129.9	$	132.5	$	138.5	$	146.2	$	149.1	$	158.5	20	%
Global Transaction Services	30.5		35.2		40.9		44.1		47.2		52.9		57.8		60.3		37	%
Total Corporate Loans	$	160.3	$	162.6	$	170.8	$	176.6	$	185.7	$	199.1	$	206.9	$	218.8	24	%

Total Citicorp	$	379.3	$	379.2	$	393.5	$	406.7	$	418.3	$	440.0	$	443.6	$	465.4	14	%

Citi Holdings:

Local Consumer Lending - North America
Credit Cards	$	54.5	$	50.2	$	46.0	$	46.4	$	41.3	$	41.9	$	41.1	$	42.8	(8	)%
Real Estate Lending	147.7		139.6		132.5		125.6		119.9		116.0		110.9		107.5		(14	)%
Commercial Real Estate	10.3		9.9		5.4		3.4		2.0		1.3		1.1		0.5		(85	)%
Student Loans, Auto and Other	54.2		48.4		15.9		14.7		13.6		10.8		7.6		3.5		(76	)%
Personal	14.5		13.6		13.3		12.9		12.2		11.4		11.1		10.9		(16	)%
Total	$	281.2	$	261.7	$	213.1	$	203.0	$	189.0	$	181.4	$	171.8	$	165.2	(19	)%

Local Consumer Lending - International
Credit Cards	$	6.8	$	6.2	$	6.5	$	6.2	$	3.5	$	3.6	$	3.3	$	2.7	(56	)%
Retail Banking	20.9		18.4		18.2		15.7		14.6		13.0		11.5		8.1		(48	)%
Total	$	27.7	$	24.6	$	24.7	$	21.9	$	18.1	$	16.6	$	14.8	$	10.8	(51	)%

Citi Holdings - Other	$	33.6	$	26.7	$	23.0	$	17.2	$	11.7	$	9.5	7.0		5.8		(66	)%

Total Citi Holdings	$	342.5	$	313.0	$	260.8	$	242.1	$	218.8	$	207.5	$	193.6	$	181.8	(25	)%
Total Citigroup - GAAP	$	721.8	$	692.2	$	654.3	$	648.8	$	637.1	$	647.5	$	637.2	$	647.2	—

Consumer Loans	$	529.7	$	503.5	$	461.1	$	455.7	$	438.9	$	440.4	$	424.6	$	423.7	(7	)%
Corporate Loans	192.1		188.6		193.2		193.1		198.2		207.1		212.6		223.5		16	%
Total Citigroup - GAAP	$	721.8	$	692.1	$	654.3	$	648.8	$	637.1	$	647.5	$	637.2	$	647.2	—

Note: Certain small balance consumer loans included in the above lines are classified as Corporate

Loans on the Consolidated Balance Sheet.

Reclassified to conform to the current period’s presentation.

SUPPLEMENTAL DETAIL

CONSUMER LOANS 90+DAYS DELINQUENCY AMOUNTS AND RATIOS

BUSINESS VIEW

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

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

Citicorp (2)
Total	$	3,974		$	3,798		$	3,432		$	3,101		$	2,973		$	2,783		$	2,469		$	2,410		$	246.6
*Ratio*	1.81		%	1.75		%	1.55		%	1.35		%	1.28		%	1.16		%	1.05		%	0.98		%

Retail Bank (2)
Total	$	819		$	869		$	842		$	760		$	801		$	812		$	759		$	736		$	133.3
Ratio	0.75		%	0.81		%	0.76		%	0.66		%	0.66		%	0.63		%	0.60		%	0.56		%
North America (2)	$	142		$	245		$	221		$	228		$	241		$	211		$	232		$	235		$	38.9
Ratio	0.45		%	0.81		%	0.77		%	0.76		%	0.75		%	0.63		%	0.66		%	0.63		%
EMEA	$	108		$	109		$	105		$	84		$	76		$	76		$	65		$	58		$	4.2
Ratio	2.35		%	2.73		%	2.39		%	2.00		%	1.69		%	1.62		%	1.51		%	1.38		%
Latin America	$	323		$	308		$	290		$	223		$	249		$	259		$	239		$	221		$	24.0
Ratio	1.76		%	1.66		%	1.48		%	1.09		%	1.13		%	1.09		%	1.09		%	0.92		%
Asia	$	246		$	207		$	226		$	225		$	235		$	266		$	223		$	222		$	66.2
Ratio	0.45		%	0.38		%	0.39		%	0.37		%	0.37		%	0.40		%	0.35		%	0.34		%

Citi-Branded Cards
Total	$	3,155		$	2,929		$	2,590		$	2,341		$	2,172		$	1,971		$	1,710		$	1,674		$	113.3
Ratio	2.86		%	2.68		%	2.33		%	2.05		%	1.98		%	1.76		%	1.56		%	1.48		%
North America	$	2,304		$	2,130		$	1,807		$	1,597		$	1,432		$	1,205		$	1,053		$	1,004		$	75.9
Ratio	2.97		%	2.76		%	2.36		%	2.06		%	1.96		%	1.64		%	1.43		%	1.32		%
EMEA	$	77		$	72		$	69		$	58		$	60		$	54		$	47		$	44		$	2.7
Ratio	2.66		%	2.77		%	2.38		%	2.07		%	2.07		%	1.80		%	1.74		%	1.63		%
Latin America	$	510		$	481		$	472		$	446		$	445		$	462		$	396		$	412		$	13.7
Ratio	4.21		%	4.01		%	3.75		%	3.33		%	3.30		%	3.25		%	3.07		%	3.01		%
Asia	$	264		$	246		$	242		$	240		$	235		$	250		$	214		$	214		$	21.0
Ratio	1.51		%	1.40		%	1.27		%	1.18		%	1.18		%	1.19		%	1.07		%	1.02		%

Citi Holdings - Local Consumer Lending (2) (3)	$	16,797		$	14,363		$	11,814		$	10,216		$	8,531		$	7,082		$	6,835		$	6,971		$	176.0
*Ratio*	5.66		%	5.24		%	5.23		%	4.76		%	4.32		%	3.76		%	3.86		%	4.18		%
International	$	953		$	724		$	713		$	657		$	571		$	530		$	480		$	422		$	10.8
Ratio	3.44		%	2.94		%	2.89		%	3.00		%	3.15		%	3.19		%	3.24		%	3.91		%
North America Retail Partner Cards	$	2,374		$	1,996		$	1,739		$	1,601		$	1,300		$	1,059		$	1,016		$	1,054		$	42.8
Ratio	4.36		%	3.98		%	3.78		%	3.45		%	3.15		%	2.53		%	2.47		%	2.46		%
North America (excluding Cards) (2) (3)	$	13,470		$	11,643		$	9,362		$	7,958		$	6,660		$	5,493		$	5,339		$	5,495		$	122.4
Ratio	6.27		%	5.84		%	6.03		%	5.43		%	4.83		%	4.23		%	4.40		%	4.85		%

Total Citigroup (excluding Special Asset Pool) (2) (3)	$	20,771		$	18,161		$	15,246		$	13,317		$	11,504		$	9,865		$	9,304		$	9,381		$	422.6
Ratio	4.03		%	3.70		%	3.40		%	3.00		%	2.68		%	2.30		%	2.25		%	2.28		%

(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 RCB and North America Local Consumer Lending (excluding Cards) excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies. See North America Retail Consumer Banking on page 10 and Local Consumer Lending on page 29.

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

Reclassified to conform to the current period’s presentation

SUPPLEMENTAL DETAIL

CONSUMER LOANS 30-89 DAYS DELINQUENCY AMOUNTS AND RATIOS

BUSINESS VIEW

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

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

Citicorp (2)
Total	$	4,398		$	3,932		$	3,820		$	3,553		$	3,359		$	3,112		$	2,830		$	2,880		$	246.6
*Ratio*	2.01		%	1.82		%	1.72		%	1.55		%	1.45		%	1.30		%	1.20		%	1.17		%

Retail Bank (2)
Total	$	1,304		$	1,205		$	1,277		$	1,146		$	1,142		$	1,088		$	974		$	1,039		$	133.3
Ratio	1.20		%	1.12		%	1.15		%	0.99		%	0.94		%	0.85		%	0.77		%	0.79		%
North America (2)	$	236		$	241		$	243		$	212		$	185		$	209		$	217		$	213		$	38.9
Ratio	0.75		%	0.80		%	0.85		%	0.71		%	0.58		%	0.62		%	0.62		%	0.57		%
EMEA	$	203		$	158		$	156		$	136		$	143		$	132		$	106		$	93		$	4.2
Ratio	4.41		%	3.95		%	3.55		%	3.24		%	3.18		%	2.81		%	2.47		%	2.21		%
Latin America	$	389		$	336		$	402		$	265		$	323		$	301		$	266		$	289		$	24.0
Ratio	2.11		%	1.82		%	2.05		%	1.30		%	1.47		%	1.27		%	1.21		%	1.20		%
Asia	$	476		$	470		$	476		$	533		$	491		$	446		$	385		$	444		$	66.2
Ratio	0.88		%	0.86		%	0.82		%	0.88		%	0.77		%	0.67		%	0.60		%	0.67		%

Citi-Branded Cards
Total	$	3,094		$	2,727		$	2,543		$	2,407		$	2,217		$	2,024		$	1,856		$	1,841		$	113.3
Ratio	2.81		%	2.49		%	2.29		%	2.11		%	2.02		%	1.81		%	1.70		%	1.62		%
North America	$	2,145		$	1,828		$	1,687		$	1,539		$	1,327		$	1,132		$	1,095		$	1,062		$	75.9
Ratio	2.76		%	2.37		%	2.20		%	1.99		%	1.81		%	1.54		%	1.48		%	1.40		%
EMEA	$	113		$	90		$	86		$	72		$	78		$	72		$	63		$	59		$	2.7
Ratio	3.90		%	3.46		%	2.97		%	2.57		%	2.69		%	2.40		%	2.33		%	2.19		%
Latin America	$	475		$	485		$	442		$	456		$	454		$	469		$	398		$	399		$	13.7
Ratio	3.93		%	4.04		%	3.51		%	3.40		%	3.36		%	3.30		%	3.09		%	2.91		%
Asia	$	361		$	324		$	328		$	340		$	358		$	351		$	300		$	321		$	21.0
Ratio	2.06		%	1.84		%	1.73		%	1.67		%	1.79		%	1.67		%	1.50		%	1.53		%

Citi Holdings - Local Consumer Lending (2) (3)	$	12,178		$	11,141		$	10,350		$	9,396		$	7,569		$	7,242		$	7,215		$	6,340		$	176.0
*Ratio*	4.10		%	4.06		%	4.58		%	4.38		%	3.84		%	3.85		%	4.07		%	3.80		%
International	$	1,059		$	939		$	978		$	848		$	815		$	726		$	677		$	498		$	10.8
Ratio	3.82		%	3.82		%	3.96		%	3.87		%	4.50		%	4.37		%	4.57		%	4.61		%
North America Retail Partner Cards	$	2,316		$	2,090		$	1,914		$	1,685		$	1,460		$	1,315		$	1,329		$	1,282		$	42.8
Ratio	4.25		%	4.16		%	4.16		%	3.63		%	3.54		%	3.14		%	3.23		%	3.00		%
North America (excluding Cards) (2) (3)	$	8,803		$	8,112		$	7,458		$	6,863		$	5,294		$	5,201		$	5,209		$	4,560		$	122.4
Ratio	4.10		%	4.07		%	4.81		%	4.68		%	3.84		%	4.01		%	4.29		%	4.03		%

Total Citigroup (excluding Special Asset Pool) (2)(3)	$	16,576		$	15,073		$	14,170		$	12,949		$	10,928		$	10,354		$	10,045		$	9,220		$	422.6
Ratio	3.21		%	3.07		%	3.16		%	2.92		%	2.55		%	2.42		%	2.43		%	2.24		%

(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 RCB and North America Local Consumer Lending (excluding Cards) excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since potential loss predominantly resides with the U.S. agencies. See North America Retail Consumer Banking on page 10 and Local Consumer Lending on page 29.

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

Reclassified to conform to the current period’s presentation

ALLOWANCE FOR CREDIT LOSSES - PAGE 1

TOTAL CITIGROUP

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

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

Gross Credit (Losses)	(9,202		)	(9,006		)	(8,499		)	(7,784		)	(7,131		)	(5,906		)	(5,217		)	(4,910		)	37	%	(34,491		)	(23,164		)	33	%
Gross Recoveries	818			1,044			840			930			862			759			703			802			(14	)%	3,632			3,126			(14	)%
Net Credit (Losses) / Recoveries (NCL’s)	(8,384		)	(7,962		)	(7,659		)	(6,854		)	(6,269		)	(5,147		)	(4,514		)	(4,108		)	40	%	(30,859		)	(20,038		)	35	%
NCL’s	8,384			7,962			7,659			6,854			6,269			5,147			4,514			4,108			(40	)%	30,859			20,038			(35	)%
Net Reserve Builds / (Releases)	(882		)	(1,752		)	(1,470		)	(2,419		)	(3,482		)	(1,950		)	(1,591		)	(1,411		)	42	%	(6,523		)	(8,434		)	(29	)%
Net Specific Reserve Builds / (Releases) (2)	864			313			(523		)	204			112			(16		)	126			(53		)	NM		858			169			(80	)%
Provision for Loan Losses	8,366			6,523			5,666			4,639			2,899			3,181			3,049			2,644			(43	)%	25,194			11,773			(53	)%
Other (4) (5) (6) (7) (8) (9) (10) (11)	12,731			(1,110		)	(530		)	(804		)	(717		)	(240		)	(845		)	(473		)			10,287			(2,275		)
Allowance for Loan Losses at End of Period (1) (a)	$	48,746		$	46,197		$	43,674		$	40,655		$	36,568		$	34,362		$	32,052		$	30,115				$	40,655		$	30,115

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

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

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

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

Allowance for Loan Losses at End of Period (1):
Citicorp	$	18,503		$	17,524		$	17,371		$	17,075		$	15,597		$	14,722		$	13,424		$	12,656
Citi Holdings	30,243			28,673			26,303			23,580			20,971			19,640			18,628			17,459
Total Citigroup	$	48,746		$	46,197		$	43,674		$	40,655		$	36,568		$	34,362		$	32,052		$	30,115

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

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

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

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

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

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

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

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

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

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

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

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

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

NM Not meaningful
Reclassified to conform to the current period’s presentation.

ALLOWANCE FOR CREDIT LOSSES - PAGE 2

TOTAL CITIGROUP

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Total Citigroup Consumer Loans
Allowance for Loan Losses at Beginning of Period (1)	$	28,347		$	41,369		$	39,529		$	37,564		$	35,406		$	32,686		$	30,915		$	28,866				$	28,347		$	35,406

Net Credit (Losses) / Recoveries (NCL’s)	(8,020		)	(7,490		)	(6,737		)	(6,188		)	(5,420		)	(4,797		)	(4,242		)	(3,965		)	36	%	(28,435		)	(18,424		)	35	%
NCL’s	8,020			7,490			6,737			6,188			5,420			4,797			4,242			3,965			(36	)%	28,435			18,424			(35	)%
Net Reserve Builds / (Releases)	(510		)	(1,301		)	(1,167		)	(1,918		)	(2,885		)	(1,795		)	(1,473		)	(1,198		)	38	%	(4,896		)	(7,351		)	(50	)%
Net Specific Reserve Builds / (Releases) (2)	731			484			(222		)	587			906			267			235			31			(95	)%	1,580			1,439			(9	)%
Provision for Loan Losses	8,241			6,673			5,348			4,857			3,441			3,269			3,004			2,798			(42	)%	25,119			12,512			(50	)%
Other (4) (5) (6) (7) (8) (9) (10) (11)	12,801			(1,023		)	(576		)	(827		)	(741		)	(243		)	(811		)	(463		)			10,375			(2,258		)	NM
Allowance for Loan Losses at End of Period (1) (a)	$	41,369		$	39,529		$	37,564		$	35,406		$	32,686		$	30,915		$	28,866		$	27,236				$	35,406		$	27,236

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

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

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

Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans (13)	7.85		%	7.89		%	8.19		%	7.80		%	7.47		%	7.04		%	6.82		%	6.45		%

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

Net Credit (Losses) / Recoveries (NCL’s)	(364		)	(472		)	(922		)	(666		)	(849		)	(350		)	(272		)	(143		)	79	%	(2,424		)	(1,614		)	33	%
NCL’s	364			472			922			666			849			350			272			143			(79	)%	2,424			1,614			(33	)%
Net Reserve Builds / (Releases)	(372		)	(451		)	(303		)	(501		)	(597		)	(155		)	(118		)	(213		)	57	%	(1,627		)	(1,083		)	33	%
Net Specific Reserve Builds / (Releases)	133			(171		)	(301		)	(383		)	(794		)	(283		)	(109		)	(84		)	78	%	(722		)	(1,270		)	(76	)%
Provision for Loan Losses	125			(150		)	318			(218		)	(542		)	(88		)	45			(154		)	29	%	75			(739		)	NM
Other (3)	(70		)	(87		)	46			23			24			3			(34		)	(10		)			(88		)	(17		)
Allowance for Loan Losses at End of Period (1) (b)	$	7,377		$	6,668		$	6,110		$	5,249		$	3,882		$	3,447		$	3,186		$	2,879				$	5,249		$	2,879

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

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

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

Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans (14)	3.89		%	3.58		%	3.21		%	2.76		%	1.99		%	1.69		%	1.53		%	1.31		%

Notes to these tables are on the following page (page 39).

COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 1

CITICORP

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)

Citicorp
Net Credit Losses	$	3,142		$	2,965		$	3,020		$	2,662		$	2,318		$	2,153		$	1,933		$	1,903		(29	)%	$	11,789		$	8,307		(30	)%
Credit Reserve Build / (Release)	(360		)	(639		)	(427		)	(741		)	(1,258		)	(909		)	(630		)	(747		)	(1	)%	(2,167		)	(3,544		)	(64	)%

Consumer Banking
Net Credit Losses	$	3,039		$	2,922		$	2,730		$	2,525		$	2,108		$	2,003		$	1,846		$	1,731		(31	)%	$	11,216		$	7,688		(31	)%
Credit Reserve Build / (Release)	(183		)	(407		)	(400		)	(551		)	(864		)	(853		)	(662		)	(609		)	(11	)%	(1,541		)	(2,988		)	(94	)%
North America Consumer Banking
Net Credit Losses	2,156			2,127			1,970			1,766			1,440			1,306			1,155			1,048			(41	)%	8,019			4,949			(38	)%
Credit Reserve Build / (Release)	4			(9		)	40			(348		)	(648		)	(758		)	(653		)	(681		)	(96	)%	(313		)	(2,740		)	NM
Retail Banking
Net Credit Losses	73			79			90			97			88			77			65			70			(28	)%	339			300			(12	)%
Credit Reserve Build / (Release)	4			(9		)	40			5			1			7			8			5			—		40			21			(48	)%
Citi-Branded Cards
Net Credit Losses	2,083			2,048			1,880			1,669			1,352			1,229			1,090			978			(41	)%	7,680			4,649			(39	)%
Credit Reserve Build / (Release)	—			—			—			(353		)	(649		)	(765		)	(661		)	(686		)	(94	)%	(353		)	(2,761		)	NM
EMEA Consumer Banking
Net Credit Losses	97			84			63			72			49			47			49			27			(63	)%	316			172			(46	)%
Credit Reserve Build / (Release)	(11		)	(46		)	(48		)	(13		)	(34		)	(55		)	(32		)	3			NM		(118		)	(118		)	0	%
Retail Banking
Net Credit Losses	47			45			32			43			23			24			29			11			(74	)%	167			87			(48	)%
Credit Reserve Build / (Release)	(7		)	(21		)	(18		)	(7		)	(12		)	(29		)	(20		)	6			NM		(53		)	(55		)	(4	)%
Citi-Branded Cards
Net Credit Losses	50			39			31			29			26			23			20			16			(45	)%	149			85			(43	)%
Credit Reserve Build / (Release)	(4		)	(25		)	(30		)	(6		)	(22		)	(26		)	(12		)	(3		)	50	%	(65		)	(63		)	3	%
Latin America Consumer Banking
Net Credit Losses	509			457			451			451			407			425			406			446			(1	)%	1,868			1,684			(10	)%
Credit Reserve Build / (Release)	(138		)	(240		)	(298		)	(147		)	(147		)	(21		)	63			38			NM		(823		)	(67		)	92	%
Retail Banking
Net Credit Losses	91			96			129			123			103			117			113			142			15	%	439			475			8	%
Credit Reserve Build / (Release)	(7		)	(28		)	(53		)	3			(69		)	23			76			16			NM		(85		)	46			NM
Citi-Branded Cards
Net Credit Losses	418			361			322			328			304			308			293			304			(7	)%	1,429			1,209			(15	)%
Credit Reserve Build / (Release)	(131		)	(212		)	(245		)	(150		)	(78		)	(44		)	(13		)	22			NM		(738		)	(113		)	85	%
Asia Consumer Banking
Net Credit Losses	277			254			246			236			212			225			236			210			(11	)%	1,013			883			(13	)%
Credit Reserve Build / (Release)	(38		)	(112		)	(94		)	(43		)	(35		)	(19		)	(40		)	31			NM		(287		)	(63		)	78	%
Retail Banking
Net Credit Losses	78			83			82			79			63			80			88			81			3	%	322			312			(3	)%
Credit Reserve Build / (Release)	(17		)	(34		)	(29		)	(18		)	(8		)	(3		)	(15		)	25			NM		(98		)	(1		)	99	%
Citi-Branded Cards
Net Credit Losses	199			171			164			157			149			145			148			129			(18	)%	691			571			(17	)%
Credit Reserve Build / (Release)	(21		)	(78		)	(65		)	(25		)	(27		)	(16		)	(25		)	6			NM		(189		)	(62		)	67	%

Institutional Clients Group (ICG)
Net Credit Losses	103			43			290			137			210			150			87			172			26	%	573			619			8	%
Credit Reserve Build / (Release)	(177		)	(232		)	(27		)	(190		)	(394		)	(56		)	32			(138		)	27	%	(626		)	(556		)	11	%
Securities and Banking
Net Credit Losses	102			42			289			134			203			151			70			178			33	%	567			602			6	%
Credit Reserve Build / (Release)	(158		)	(199		)	(11		)	(194		)	(394		)	(83		)	50			(145		)	25	%	(562		)	(572		)	(2	)%
Transaction Services
Net Credit Losses	1			1			1			3			7			(1		)	17			(6		)	NM		6			17			NM
Credit Reserve Build / (Release)	(19		)	(33		)	(16		)	4			—			27			(18		)	7			75	%	(64		)	16			NM

Total Citicorp Provision for Loan Losses	$	2,782		$	2,326		$	2,593		$	1,921		$	1,060		$	1,244		$	1,303		$	1,156		(40	)%	$	9,622		$	4,763		(50	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 2

CITI HOLDINGS / TOTAL CITIGROUP

(In millions of dollars)

																									4Q11 vs.		Full			Full			FY 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/		Year			Year			FY 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)		2010			2011			(Decrease)
Citi Holdings
Net Credit Losses	$	5,241		$	4,998		$	4,640		$	4,191		$	3,950		$	2,995		$	2,581		$	2,205		(47	)%	$	19,070		$	11,731		(38	)%
Credit Reserve Build / (Release)	340			(800		)	(1,567		)	(1,473		)	(2,112		)	(1,057		)	(835		)	(716		)	51	%	(3,500		)	(4,720		)	(35	)%
Brokerage and Asset Management
Net Credit Losses	11			1			2			3			1			—			3			—			(100	)%	17			4			(76	)%
Credit Reserve Build / (Release)	(7		)	(3		)	(4		)	(4		)	(1		)	(2		)	—			—			100	%	(18		)	(3		)	83	%
Local Consumer Lending
Net Credit Losses	4,938			4,535			3,949			3,618			3,279			2,776			2,376			2,228			(38	)%	17,040			10,659			(37	)%
Credit Reserve Build / (Release)	386			(421		)	(953		)	(783		)	(1,110		)	(664		)	(558		)	(530		)	32	%	(1,771		)	(2,862		)	(62	)%
Special Asset Pool
Net Credit Losses	292			462			689			570			670			219			202			(23		)	NM		2,013			1,068			(47	)%
Credit Reserve Build / (Release)	(39		)	(376		)	(610		)	(686		)	(1,001		)	(391		)	(277		)	(186		)	73	%	(1,711		)	(1,855		)	(8	)%

Total Citi Holdings Provision for Loan Losses	$	5,581		$	4,198		$	3,073		$	2,718		$	1,838		$	1,938		$	1,746		$	1,489		(45	)%	$	15,570		$	7,011		(55	)%

Total Citicorp Provision for Loan Losses (from prior page)	$	2,782		$	2,326		$	2,593		$	1,921		$	1,060		$	1,244		$	1,303		$	1,156		(40	)%	$	9,622		$	4,763		(50	)%

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

Total Citigroup Provision for Loan Losses	$	8,366		$	6,523		$	5,666		$	4,639		$	2,899		$	3,181		$	3,049		$	2,644		(43	)%	$	25,194		$	11,773		(53	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

NON-ACCRUAL ASSETS - PAGE 1

TOTAL CITIGROUP

(In millions of dollars)

																									4Q11 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	5,660		$	4,411		$	3,299		$	2,112		$	1,997		$	1,899		$	1,639		$	1,246		(41	)%
EMEA	5,839			5,511			5,479			5,337			2,437			1,954			1,748			1,293			(76	)%
Latin America	613			581			664			701			606			528			442			362			(48	)%
Asia	831			546			517			470			451			451			342			335			(29	)%
Total	$	12,943		$	11,049		$	9,959		$	8,620		$	5,491		$	4,832		$	4,171		$	3,236		(62	)%

Consumer Non-Accrual Loans By Region (2)
North America	$	12,966		$	11,289		$	9,978		$	8,540		$	7,068		$	6,125		$	5,954		$	6,046		(29	)%
EMEA	785			687			752			652			657			644			514			387			(41	)%
Latin America	1,241			1,207			1,144			1,019			1,034			1,083			998			1,107			9	%
Asia	633			580			586			576			562			549			480			450			(22	)%
Total	$	15,625		$	13,763		$	12,460		$	10,787		$	9,321		$	8,401		$	7,946		$	7,990		(26	)%

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

ICG	$	846		$	830		$	842		$	796		$	743		$	770		$	764		$	23		(97	)%
Regional Consumer Banking	35			36			37			30			33			40			46			48			60	%
Brokerage and Asset Management	—			—			—			—			—			—			—			—			—
Local Consumer Lending	588			621			674			707			619			510			442			393			(44	)%
Special Asset Pool	44			179			181			156			168			98			92			87			(44	)%
Corporate/Other	8			7			7			14			14			16			13			15			7	%

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	1,521		$	1,673		$	1,741		$	1,703		$	1,577		$	1,434		$	1,357		$	566		(67	)%

OREO By Region:
North America	$	1,291		$	1,422		$	1,470		$	1,440		$	1,331		$	1,245		$	1,222		$	441		(69	)%
EMEA	134			146			164			161			140			133			79			73			(55	)%
Latin America	51			49			53			47			52			55			56			51			9	%
Asia	45			56			54			55			54			1			—			1			(98	)%
Total	$	1,521		$	1,673		$	1,741		$	1,703		$	1,577		$	1,434		$	1,357		$	566		(67	)%

Other Repossessed Assets (4)	$	64		$	55		$	38		$	28		$	21		$	18		$	24		$	1		(96	)%

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	12,943		$	11,049		$	9,959		$	8,620		$	5,491		$	4,832		$	4,171		$	3,236		(62	)%
Consumer Non-Accrual Basis Loans	15,625			13,763			12,460			10,787			9,321			8,401			7,946			7,990			(26	)%
Non-Accrual Loans (NAL)	28,568			24,812			22,419			19,407			14,812			13,233			12,117			11,226			(42	)%
OREO	1,521			1,673			1,741			1,703			1,577			1,434			1,357			566			(67	)%
Other Repossessed Assets	64			55			38			28			21			18			24			1			(96	)%
Non-Accrual Assets (NAA)	$	30,153		$	26,540		$	24,198		$	21,138		$	16,410		$	14,685		$	13,498		$	11,793		(44	)%

NAL as a % of Total Loans	3.96		%	3.58		%	3.43		%	2.99		%	2.32		%	2.04		%	1.90		%	1.73		%
NAA as a % of Total Assets	1.51		%	1.37		%	1.22		%	1.10		%	0.84		%	0.75		%	0.70		%	0.63		%

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

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

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

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

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

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

NON-ACCRUAL ASSETS - PAGE 2

TOTAL CITICORP

(In millions of dollars)

																									4Q11 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	1,258		$	1,046		$	1,115		$	987		$	1,181		$	1,189		$	1,243		$	921		(7	)%
EMEA	1,089			864			1,131			1,276			1,302			1,064			957			694			(46	)%
Latin America	347			313			378			472			427			392			361			294			(38	)%
Asia	292			363			349			356			356			341			300			308			(13	)%
Total	$	2,986		$	2,586		$	2,973		$	3,091		$	3,266		$	2,986		$	2,861		$	2,217		(28	)%

Consumer Non-Accrual Loans By Region (2)
North America	$	242		$	273		$	355		$	376		$	363		$	341		$	345		$	345		(8	)%
EMEA	210			145			144			102			110			104			76			84			(18	)%
Latin America	1,200			1,167			1,102			977			1,004			1,051			959			1,061			9	%
Asia	386			339			354			363			359			364			323			311			(14	)%
Total	$	2,038		$	1,924		$	1,955		$	1,818		$	1,836		$	1,860		$	1,703		$	1,801		(1	)%

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

ICG	$	846		$	830		$	842		$	796		$	743		$	770		$	764		$	23		(97	)%
Regional Consumer Banking	35			36			37			30			33			40			46			48			60	%

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	881		$	866		$	879		$	826		$	776		$	810		$	810		$	71		(91	)%

OREO By Region:
North America	$	783		$	803		$	821		$	777		$	727		$	759		$	766		$	30		(96	)%
EMEA	12			11			11			11			11			12			10			9			(18	)%
Latin America	41			39			42			34			34			38			34			31			(9	)%
Asia	45			13			5			4			4			1			—			1			(75	)%
Total	$	881		$	866		$	879		$	826		$	776		$	810		$	810		$	71		(91	)%

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

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	2,986		$	2,586		$	2,973		$	3,091		$	3,266		$	2,986		$	2,861		$	2,217		(28	)%
Consumer Non-Accrual Basis Loans	2,038			1,924			1,955			1,818			1,836			1,860			1,703			1,801			(1	)%
Non-Accrual Loans (NAL)	5,024			4,510			4,928			4,909			5,102			4,846			4,564			4,018			(18	)%
OREO	881			866			879			826			776			810			810			71			(91	)%
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	5,905		$	5,376		$	5,807		$	5,735		$	5,878		$	5,656		$	5,374		$	4,089		(29	)%

NAA as a % of Total Assets	0.48		%	0.44		%	0.45		%	0.45		%	0.44		%	0.41		%	0.39		%	0.31		%

Allowance for Loan Losses as a % of NAL	368		%	389		%	352		%	348		%	306		%	304		%	294		%	315		%

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

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

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

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

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

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

NON-ACCRUAL ASSETS - PAGE 3

TOTAL CITI HOLDINGS

(In millions of dollars)

																									4Q11 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q10 Increase/
	2010			2010			2010			2010			2011			2011			2011			2011			(Decrease)

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	4,402		$	3,365		$	2,184		$	1,125		$	816		$	710		$	396		$	325		(71	)%
EMEA	4,750			4,647			4,348			4,061			1,135			890			791			599			(85	)%
Latin America	266			268			286			229			179			136			81			68			(70	)%
Asia	539			183			168			114			95			110			42			27			(76	)%
Total	$	9,957		$	8,463		$	6,986		$	5,529		$	2,225		$	1,846		$	1,310		$	1,019		(82	)%

Consumer Non-Accrual Loans By Region (2)
North America	$	12,724		$	11,016		$	9,623		$	8,164		$	6,705		$	5,784		$	5,609		$	5,701		(30	)%
EMEA	575			542			608			550			547			540			438			303			(45	)%
Latin America	41			40			42			42			30			32			39			46			10	%
Asia	247			241			232			213			203			185			157			139			(35	)%
Total	$	13,587		$	11,839		$	10,505		$	8,969		$	7,485		$	6,541		$	6,243		$	6,189		(31	)%


OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

Brokerage and Asset Management	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		—
Local Consumer Lending	588			621			674			707			619			510			442			393			(44	)%
Special Asset Pool	44			179			181			156			168			98			92			87			(44	)%

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	632		$	800		$	855		$	863		$	787		$	608		$	534		$	480		(44	)%

OREO By Region:
North America	$	500		$	612		$	642		$	649		$	590		$	470		$	443		$	396		(39	)%
EMEA	122			135			153			150			129			121			69			64			(57	)%
Latin America	10			10			11			13			18			17			22			20			54	%
Asia	—			43			49			51			50			—			—			—			(100	)%
Total	$	632		$	800		$	855		$	863		$	787		$	608		$	534		$	480		(44	)%

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

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	9,957		$	8,463		$	6,986		$	5,529		$	2,225		$	1,846		$	1,310		$	1,019		(82	)%
Consumer Non-Accrual Basis Loans	13,587			11,839			10,505			8,969			7,485			6,541			6,243			6,189			(31	)%
Non-Accrual Loans (NAL)	23,544			20,302			17,491			14,498			9,710			8,387			7,553			7,208			(50	)%
OREO	632			800			855			863			787			608			534			480			(44	)%
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	24,176		$	21,102		$	18,346		$	15,361		$	10,497		$	8,995		$	8,087		$	7,688		(50	)%

NAA as a % of Total Assets	4.81		%	4.54		%	4.36		%	4.28		%	3.11		%	2.92		%	2.80		%	2.86		%

Allowance for Loan Losses as a % of NAL	128		%	141		%	150		%	163		%	216		%	234		%	247		%	242		%

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

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

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

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

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

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITIGROUP

NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS

(In millions of dollars)

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

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

Tangible Book Value Per Share (page 1):

Total Common Equity	$	151,109	$	154,494	$	162,601	$	163,156	$	170,725	$	176,052	$	177,060	$	177,703
Less:
Goodwill - as reported	25,662		25,201		25,797		26,152		26,339		26,621		25,496		25,413
Intangible Assets (Other than MSRs) - as reported	8,277		7,868		7,705		7,504		7,280		7,136		6,800		6,600

Goodwill and Intangible Assets - recorded as Assets of Discontinued Operations Held For Sale	—		—		—		—		165		—		—		—
Goodwill and Intangible Assets - recorded as Assets Held for Sale	45		66		—		—		—

Net Deferred Taxes - Related to Goodwill and Intangible Assets	65		62		59		56		53		50		47		44
Tangible Common Equity	$	117,060	$	121,297	$	129,040	$	129,444	$	136,888	$	142,245	$	144,717	$	145,646
Common Shares Outstanding, at period end	2,862.0		2,897.5		2,905.0		2,905.8		2,920.6		2,917.9		2,923.7		2,923.9
Tangible Book Value Per Share	$	40.90	$	41.86	$	44.42	$	44.55	$	46.87	$	48.75	$	49.50	$	49.81

Reclassified to conform to the current period’s presentation.



CITIGROUP - QUARTERLY FINANCIAL DATA SUPPLEMENT	4Q11

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

Citicorp

Income Statement and Balance Sheet Data	6

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

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

Citi Holdings

Income Statement and Balance Sheet Data	25

Brokerage and Asset Management	26
Local Consumer Lending	27 - 30
Special Asset Pool	31

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

Reconciliation of Non-GAAP Financial Measures	45