Exhibit 99.2

CITIGROUP - QUARTERLY FINANCIAL DATA SUPPLEMENT	2Q15
	Page
Citigroup Consolidated
Financial Summary	1
Consolidated Statement of Income	2
Consolidated Balance Sheet	3
Segment Detail
Net Revenues	4
Income	5
Citicorp
Income Statement and Balance Sheet Data	6
Global Consumer Banking (GCB)	7 - 8
North America	9 - 11
Latin America	12 - 13
Asia (1)	14 - 15
Institutional Clients Group (ICG)	16
Revenues by Business	17
Corporate / Other	18
Regional Totals
North America	19
EMEA	20
Latin America	21
Asia	22
Citi Holdings
Income Statement and Balance Sheet Data	23
Consumer Key Indicators	24 - 25
Citigroup Supplemental Detail
Average Balances and Interest Rates	26
Deposits	27
Loans
Citicorp	28
Citi Holdings / Total Citigroup	29
Consumer Loan Delinquency Amounts and Ratios
90+ Days	30
30-89 Days	31
Allowance for Credit Losses
Total Citigroup	32
Consumer and Corporate	33 - 34
Components of Provision for Loan Losses
Citicorp	35
Citi Holdings / Total Citigroup	36
Non-Accrual Assets
Total Citigroup	37
Citicorp	38
Citi Holdings	39
Reconciliation of Non-GAAP Financial Measures	40

(1)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

CITIGROUP — FINANCIAL SUMMARY

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

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Total Revenues, Net of Interest Expense	$	19,425		$	19,689		$	17,899		$	19,736		$	19,470		(1	)%	—		$	39,631		$	39,206		(1	)%
Total Operating Expenses	15,521			12,955			14,426			10,884			10,928			—		(30	)%	27,670			21,812			(21	)%
Net Credit Losses (NCLs)	2,189			2,097			2,248			1,957			1,920			(2	)%	(12	)%	4,628			3,877			(16	)%
Credit Reserve Build / (Release)	(610		)	(522		)	(367		)	(202		)	(405		)	(100	)%	34	%	(1,256		)	(607		)	52	%
Provision for Unfunded Lending Commitments	(31		)	(30		)	(74		)	(37		)	(48		)	(30	)%	(55	)%	(58		)	(85		)	(47	)%
Provision for Benefits and Claims	182			205			206			197			181			(8	)%	(1	)%	390			378			(3	)%
Provisions for Credit Losses and for Benefits and Claims	1,730			1,750			2,013			1,915			1,648			(14	)%	(5	)%	3,704			3,563			(4	)%
Income from Continuing Operations before Income Taxes	2,174			4,984			1,460			6,937			6,894			(1	)%	NM		8,257			13,831			68	%
Income Taxes (benefits)	1,921			2,068			1,077			2,120			2,036			(4	)%	6	%	4,052			4,156			3	%
Income from Continuing Operations	$	253		$	2,916		$	383		$	4,817		$	4,858		1	%	NM		$	4,205		$	9,675		NM
Income (Loss) from Discontinued Operations, net of Taxes	(22		)	(16		)	(1		)	(5		)	6			NM		NM		15			1			NM
Net Income before Noncontrolling Interests	231			2,900			382			4,812			4,864			1	%	NM		4,220			9,676			NM
Net Income Attributable to Noncontrolling Interests	50			59			38			42			18			(57	)%	(64	)%	95			60			(37	)%
Citigroup’s Net Income	$	181		$	2,841		$	344		$	4,770		$	4,846		2	%	NM		$	4,125		$	9,616		NM
Diluted Earnings Per Share:
Income from Continuing Operations	$	0.03		$	0.88		$	0.06		$	1.51		$	1.51		—		NM		$	1.26		$	3.02		NM
Citigroup’s Net Income	$	0.03		$	0.88		$	0.06		$	1.51		$	1.51		—		NM		$	1.26		$	3.02		NM
Shares (in millions):
Average Basic	3,033.8			3,029.5			3,025.6			3,034.2			3,020.0			—		—		3,035.6			3,027.1			—
Average Diluted	3,038.3			3,034.8			3,031.5			3,039.3			3,025.0			—		—		3,040.8			3,032.1			—
Common Shares Outstanding, at period end	3,031.8			3,029.5			3,023.9			3,034.1			3,009.8			(1	)%	(1	)%
Preferred Dividends - Basic	$	100		$	128		$	159		$	128		$	202		58	%	NM		$	224		$	330		47	%
Preferred Dividends - Diluted	$	100		$	128		$	159		$	128		$	202		58	%	NM		$	224		$	330		47	%
Income Allocated to Unrestricted Common Shareholders - Basic
Income from Continuing Operations	$	102		$	2,684		$	183		$	4,585		$	4,574		—		NM		$	3,822		$	9,159		NM
Citigroup’s Net Income	$	80		$	2,669		$	182		$	4,580		$	4,580		—		NM		$	3,837		$	9,160		NM
Income Allocated to Unrestricted Common Shareholders - Diluted
Income from Continuing Operations	$	102		$	2,684		$	183		$	4,585		$	4,574		—		NM		$	3,823		$	9,159		NM
Citigroup’s Net Income	$	80		$	2,669		$	182		$	4,580		$	4,580		—		NM		$	3,837		$	9,160		NM
Regulatory Capital Ratios and Performance Metrics:
Common Equity Tier 1 Capital Ratio (1) (2)	10.57		%	10.64		%	10.57		%	11.06		%	11.4		%
Tier 1 Capital Ratio (1) (2)	11.35		%	11.41		%	11.45		%	12.07		%	12.5		%
Total Capital Ratio (1) (2)	12.70		%	12.76		%	12.80		%	13.38		%	14.1		%
Supplementary Leverage Ratio (2) (3)	5.82		%	5.98		%	5.94		%	6.44		%	6.7		%
Return on Average Assets	0.04		%	0.59		%	0.07		%	1.04		%	1.06		%					0.44		%	1.05		%
Efficiency Ratio (Operating Expenses/Total Revenues, net)	80		%	66		%	81		%	55		%	56		%					70		%	56		%
Return on Average Common Equity	0.2		%	5.3		%	0.4		%	9.4		%	9.1		%
Balance Sheet Data (in billions of dollars, except Book Value Per Share):
Total Assets	$	1,909.4		$	1,882.5		$	1,842.2		$	1,831.8		$	1,827.1		—		(4	)%
Total Average Assets	1,903.3			1,895.4			1,900.2			1,853.1			1,839.6			(1	)%	(3	)%	1,895.8			1,846.4			(3	)%
Total Deposits(4)	965.7			942.7			899.3			899.6			908.0			1	%	(6	)%
Citigroup’s Stockholders’ Equity	211.0			211.9			210.2			214.6			219.4			2	%	4	%
Book Value Per Share	$	66.64		$	66.99		$	66.05		$	66.79		$	68.27		2	%	2	%
Tangible Book Value Per Share(5)	$	56.78		$	57.41		$	56.71		$	57.66		$	59.18		3	%	4	%
Direct Staff (in thousands)	244			243			241			239			237			(1	)%	(3	)%

(1)Citigroup’s risk-based capital ratios, which reflect full implementation of the U.S. Basel III rules, are non-GAAP financial measures. These ratios are calculated under the Basel III Advanced Approaches framework.  See page 40 for a reconciliation of Citi’s Common Equity Tier 1 Capital to reported results.

(2)June 30, 2015 ratios are preliminary.

(3)Citigroup’s Supplementary Leverage Ratio (SLR), which reflects full implementation of the U.S. Basel III rules, is a non-GAAP financial measure.

(4)Beginning December 31, 2014, approximately $20 billion of Deposits (and corresponding assets) were reclassified to held-for-sale within Other liabilities and Other assets, respectively, as a result of Citigroup’s entry into an agreement in December 2014 to sell its Japan retail banking business, which is now reported in Citi Holdings.

(5)Tangible book value per share is a non-GAAP financial measure.  See page 40 for a reconciliation of Tangible Common Equity to reported results.

Note:  Ratios and performance metrics are calculated based on the displayed amounts.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

1

CITIGROUP CONSOLIDATED STATEMENT OF INCOME

(In millions of dollars)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Revenues
Interest revenue	$	15,561		$	15,512		$	15,260		$	14,600		$	14,873		2	%	(4	)%	$	30,911		$	29,473		(5	)%
Interest expense	3,615			3,325			3,159			3,028			3,051			1	%	(16	)%	7,206			6,079			(16	)%
Net interest revenue	11,946			12,187			12,101			11,572			11,822			2	%	(1	)%	23,705			23,394			(1	)%
Commissions and fees	3,441			3,280			3,127			3,170			3,194			1	%	(7	)%	6,625			6,364			(4	)%
Principal transactions	1,843			1,549			418			1,971			2,173			10	%	18	%	4,731			4,144			(12	)%
Administrative and other fiduciary fees	1,029			1,029			946			962			995			3	%	(3	)%	2,038			1,957			(4	)%
Realized gains (losses) on investments	84			136			222			307			183			(40	)%	NM		212			490			NM
Other-than-temporary impairment losses on investments and other assets	(37		)	(91		)	(95		)	(72		)	(43		)	40	%	(16	)%	(238		)	(115		)	52	%
Insurance premiums	538			530			497			497			482			(3	)%	(10	)%	1,083			979			(10	)%
Other revenue	581			1,069			683			1,329			664			(50	)%	14	%	1,475			1,993			35	%
Total non-interest revenues	7,479			7,502			5,798			8,164			7,648			(6	)%	2	%	15,926			15,812			(1	)%
Total revenues, net of interest expense	19,425			19,689			17,899			19,736			19,470			(1	)%	—		39,631			39,206			(1	)%
Provisions for Credit Losses and for Benefits and Claims
Net credit losses	2,189			2,097			2,248			1,957			1,920			(2	)%	(12	)%	4,628			3,877			(16	)%
Credit reserve build / (release)	(610		)	(522		)	(367		)	(202		)	(405		)	(100	)%	34	%	(1,256		)	(607		)	52	%
Provision for loan losses	1,579			1,575			1,881			1,755			1,515			(14	)%	(4	)%	3,372			3,270			(3	)%
Provison for Policyholder benefits and claims	182			205			206			197			181			(8	)%	(1	)%	390			378			(3	)%
Provision for unfunded lending commitments	(31		)	(30		)	(74		)	(37		)	(48		)	(30	)%	(55	)%	(58		)	(85		)	(47	)%
Total provisions for credit losses and for benefits and claims	1,730			1,750			2,013			1,915			1,648			(14	)%	(5	)%	3,704			3,563			(4	)%
Operating Expenses
Compensation and benefits	6,028			6,114			5,807			5,520			5,483			(1	)%	(9	)%	12,038			11,003			(9	)%
Premises and Equipment	819			804			750			709			737			4	%	(10	)%	1,624			1,446			(11	)%
Technology / communication expense	1,619			1,630			1,657			1,600			1,656			4	%	2	%	3,149			3,256			3	%
Advertising and marketing expense	460			442			484			392			393			—		(15	)%	918			785			(14	)%
Other operating	6,595			3,965			5,728			2,663			2,659			—		(60	)%	9,941			5,322			(46	)%
Total operating expenses	15,521			12,955			14,426			10,884			10,928			—		(30	)%	27,670			21,812			(21	)%
Income from Continuing Operations before Income Taxes	2,174			4,984			1,460			6,937			6,894			(1	)%	NM		8,257			13,831			68	%
Provision (benefits) for income taxes	1,921			2,068			1,077			2,120			2,036			(4	)%	6	%	4,052			4,156			3	%
Income from Continuing Operations	253			2,916			383			4,817			4,858			1	%	NM		4,205			9,675			NM
Discontinued Operations
Income (Loss) from Discontinued Operations	(3		)	(25		)	(2		)	(8		)	9			NM		NM		37			1			(97	)%
Gain (Loss) on Sale	—			—			—			—			—			—		—		—			—			—
Provision (benefits) for income taxes	19			(9		)	(1		)	(3		)	3			NM		(84	)%	22			—			(100	)%
Income (Loss) from Discontinued Operations, net of taxes	(22		)	(16		)	(1		)	(5		)	6			NM		NM		15			1			NM
Net Income before Noncontrolling Interests	231			2,900			382			4,812			4,864			1	%	NM		4,220			9,676			NM
Net Income attributable to noncontrolling interests	50			59			38			42			18			(57	)%	(64	)%	95			60			(37	)%
Citigroup’s Net Income	$	181		$	2,841		$	344		$	4,770		$	4,846		2	%	NM		$	4,125		$	9,616		NM

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

2

CITIGROUP CONSOLIDATED BALANCE SHEET

(In millions of dollars)

																2Q15 Increase
	June 30,			September 30,			December 31,			March 31,			June 30,			(Decrease) from
	2014			2014			2014			2015			2015 (1)			1Q15		2Q14
Assets
Cash and due from banks (including segregated cash and other deposits)	$	35,268		$	35,976		$	32,108		$	21,880		$	23,413		7	%	(34	)%
Deposits with banks	153,817			143,068			128,089			133,896			130,685			(2	)%	(15	)%
Fed funds sold and securities borr’d or purch under agree. to resell	250,353			245,462			242,570			239,015			237,054			(1	)%	(5	)%
Brokerage receivables	41,864			39,298			28,419			35,637			43,921			23	%	5	%
Trading account assets	290,776			290,822			296,786			302,983			276,922			(9	)%	(5	)%
Investments
Available-for-sale and non-marketable equity securities	303,293			309,009			309,522			303,561			301,955			(1	)%	—
Held-to-maturity	22,330			24,038			23,921			23,254			30,166			30	%	35	%
Total Investments	325,623			333,047			333,443			326,815			332,121			2	%	2	%
Loans, net of unearned income
Consumer	384,345			376,318			369,970			341,706			342,349			—		(11	)%
Corporate	283,159			277,508			274,665			279,348			289,769			4	%	2	%
Loans, net of unearned income	667,504			653,826			644,635			621,054			632,118			2	%	(5	)%
Allowance for loan losses	(17,890		)	(16,915		)	(15,994		)	(14,598		)	(14,075		)	4	%	21	%
Total loans, net	649,614			636,911			628,641			606,456			618,043			2	%	(5	)%
Goodwill	25,087			24,500			23,592			23,150			23,012			(1	)%	(8	)%
Intangible assets (other than MSRs)	4,702			4,525			4,566			4,244			4,071			(4	)%	(13	)%
Mortgage servicing rights (MSRs)	2,282			2,093			1,845			1,685			1,924			14	%	(16	)%
Other assets (2)	129,983			126,803			122,122			136,040			135,929			—		5	%
Total assets	$	1,909,369		$	1,882,505		$	1,842,181		$	1,831,801		$	1,827,095		—		(4	)%
Liabilities
Non-interest-bearing deposits in U.S. offices	$	130,653		$	128,243		$	128,958		$	136,568		$	135,013		(1	)%	3	%
Interest-bearing deposits in U.S. offices	289,035			285,604			284,978			275,423			268,947			(2	)%	(7	)%
Total U.S. Deposits	419,688			413,847			413,936			411,991			403,960			(2	)%	(4	)%
Non-interest-bearing deposits in offices outside the U.S.	73,991			71,228			70,925			71,653			72,629			1	%	(2	)%
Interest-bearing deposits in offices outside the U.S.	472,046			457,580			414,471			416,003			431,448			4	%	(9	)%
Total International Deposits	546,037			528,808			485,396			487,656			504,077			3	%	(8	)%
Total deposits (2)	965,725			942,655			899,332			899,647			908,037			1	%	(6	)%
Fed funds purch and securities loaned or sold under agree. to repurch.	183,912			175,732			173,438			175,371			177,012			1	%	(4	)%
Brokerage payables	62,323			59,428			52,180			58,252			54,867			(6	)%	(12	)%
Trading account liabilities	123,370			137,272			139,036			142,438			134,020			(6	)%	9	%
Short-term borrowings	59,534			64,838			58,335			39,405			25,907			(34	)%	(56	)%
Long-term debt	226,984			223,842			223,080			210,522			211,845			1	%	(7	)%
Other liabilities (2) (3)	74,768			65,191			85,084			90,143			94,582			5	%	27	%
Total liabilities	$	1,696,616		$	1,668,958		$	1,630,485		$	1,615,778		$	1,606,270		(1	)%	(5	)%
Equity
Stockholders’ equity
Preferred stock	$	8,968		$	8,968		$	10,468		$	11,968		$	13,968		17	%	56	%
Common stock	31			31			31			31			31			—		—
Additional paid-in capital	107,669			107,839			107,979			108,124			108,219			—		1	%
Retained earnings	115,015			117,697			117,852			122,463			126,954			4	%	10	%
Treasury stock	(2,520		)	(2,631		)	(2,929		)	(3,275		)	(4,628		)	(41	)%	(84	)%
Accumulated other comprehensive income (loss)	(18,147		)	(19,976		)	(23,216		)	(24,691		)	(25,104		)	(2	)%	(38	)%
Total common equity	$	202,048		$	202,960		$	199,717		$	202,652		$	205,472		1	%	2	%
Total Citigroup stockholders’ equity	$	211,016		$	211,928		$	210,185		$	214,620		$	219,440		2	%	4	%
Noncontrolling interests	1,737			1,619			1,511			1,403			1,385			(1	)%	(20	)%
Total equity	212,753			213,547			211,696			216,023			220,825			2	%	4	%
Total liabilities and equity	$	1,909,369		$	1,882,505		$	1,842,181		$	1,831,801		$	1,827,095		—		(4	)%

(1)Preliminary

(2)See footnote 4 on page 1.

(3)Includes allowance for credit losses for letters of credit and unfunded lending commitments.  See page 32 for amounts by period.

Reclassified to conform to the current period’s presentation.

3

CITIGROUP

SEGMENT DETAIL

NET REVENUES

(In millions of dollars)

															2Q15 Increase				Six			Six		YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q		(Decrease) from				Months			Months		YTD 2014 Increase/
	2014			2014			2014			2015			2015		1Q15		2Q14		2014			2015		(Decrease)
CITICORP
Global Consumer Banking
North America	$	4,787		$	4,996		$	5,096		$	4,994		$	4,823	(3	)%	1	%	$	9,577		$	9,817	3	%
Latin America	2,136			2,172			2,069			1,835			1,848		1	%	(13	)%	4,219			3,683		(13	)%
Asia (1)	2,021			2,033			1,863			1,833			1,878		2	%	(7	)%	3,992			3,711		(7	)%
Total	8,944			9,201			9,028			8,662			8,549		(1	)%	(4	)%	17,788			17,211		(3	)%
Institutional Clients Group
North America	3,154			3,219			2,457			3,303			3,285		(1	)%	4	%	6,715			6,588		(2	)%
EMEA	2,430			2,252			2,038			2,763			2,543		(8	)%	5	%	5,201			5,306		2	%
Latin America	1,149			1,014			971			1,065			1,111		4	%	(3	)%	2,250			2,176		(3	)%
Asia	1,669			1,851			1,694			1,897			1,939		2	%	16	%	3,390			3,836		13	%
Total	8,402			8,336			7,160			9,028			8,878		(2	)%	6	%	17,556			17,906		2	%
Corporate / Other	89			82			(93		)	212			370		75	%	NM		312			582		87	%
Total Citicorp	17,435			17,619			16,095			17,902			17,797		(1	)%	2	%	35,656			35,699		—
Total Citi Holdings	1,990			2,070			1,804			1,834			1,673		(9	)%	(16	)%	3,975			3,507		(12	)%
Total Citigroup - Net Revenues	19,425			19,689			17,899			19,736			19,470		(1	)%	—		39,631			39,206		(1	)%
Credit valuation adjustments (CVA) on derivatives (counterparty and own-credit), net of hedges; funding valuation adjustments (FVA) on derivatives; and debt valuation adjustments (DVA) on Citigroup’s fair value option liabilities {collectively referred to as CVA/DVA} (2)	(33		)	(371		)	7			(73		)	312		NM		NM		(26		)	239		NM
Total Citigroup - Net Revenues - Excluding CVA/DVA (3)	$	19,458		$	20,060		$	17,892		$	19,809		$	19,158	(3	)%	(2	)%	$	39,657		$	38,967	(2	)%

(1)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

(2)Included, as applicable, in Citicorp-Institutional Clients Group and Citi Holdings lines above. 

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

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

4

CITIGROUP

SEGMENT DETAIL

INCOME

(In millions of dollars)

															2Q15 Increase				Six			Six		YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q		(Decrease) from				Months			Months		YTD 2014 Increase/
	2014			2014			2014			2015			2015		1Q15		2Q14		2014			2015		(Decrease)
Income from Continuing Operations:
CITICORP
Global Consumer Banking
North America	$	1,074		$	1,183		$	1,137		$	1,140		$	1,067	(6	)%	(1	)%	$	2,092		$	2,207	5	%
Latin America	275			329			263			244			225		(8	)%	(18	)%	566			469		(17	)%
Asia (1)	214			382			288			341			338		(1	)%	58	%	579			679		17	%
Total	1,563			1,894			1,688			1,725			1,630		(6	)%	4	%	3,237			3,355		4	%
Institutional Clients Group
North America	1,096			920			655			1,015			978		(4	)%	(11	)%	2,401			1,993		(17	)%
EMEA	570			477			223			857			684		(20	)%	20	%	1,362			1,541		13	%
Latin America	427			294			273			413			470		14	%	10	%	767			883		15	%
Asia	473			652			526			679			703		4	%	49	%	984			1,382		40	%
Total	2,566			2,343			1,677			2,964			2,835		(4	)%	10	%	5,514			5,799		5	%
Corporate / Other	(384		)	(1,537		)	(3,066		)	(19		)	230		NM		NM		(772		)	211		NM
Total Citicorp	3,745			2,700			299			4,670			4,695		1	%	25	%	7,979			9,365		17	%
Total Citi Holdings	(3,492		)	216			84			147			163		11	%	NM		(3,774		)	310		NM
Income From Continuing Operations	253			2,916			383			4,817			4,858		1	%	NM		4,205			9,675		NM
Discontinued Operations	(22		)	(16		)	(1		)	(5		)	6		NM		NM		15			1		(93	)%
Net Income Attributable to Noncontrolling Interests	50			59			38			42			18		(57	)%	(64	)%	95			60		(37	)%
Citigroup’s Net Income	$	181		$	2,841		$	344		$	4,770		$	4,846	2	%	NM		$	4,125		$	9,616	NM
CVA/DVA (after-tax) (2)	(20		)	(228		)	4			(47		)	196		NM		NM		(16		)	149		NM
Total Citigroup - Net Income - Excluding CVA/DVA (3)	$	201		$	3,069		$	340		$	4,817		$	4,650	(3	)%	NM		$	4,141		$	9,467	NM

(1)           For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

(2)           Included, as applicable, in Citicorp-Institutional Clients Group and Citi Holdings lines above.

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

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

5

CITICORP

INCOME STATEMENT AND BALANCE SHEET DATA

(In millions of dollars, except as otherwise noted)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Revenues
Net interest revenue	$	10,709		$	11,068		$	11,042		$	10,517		$	10,821		3	%	1	%	$	21,292		$	21,338		—
Non-interest revenue	6,726			6,551			5,053			7,385			6,976			(6	)%	4	%	14,364			14,361			—
Total revenues, net of interest expense	17,435			17,619			16,095			17,902			17,797			(1	)%	2	%	35,656			35,699			—
Provisions for Credit Losses and for Benefits and Claims
Net credit losses	1,747			1,692			1,831			1,549			1,662			7	%	(5	)%	3,613			3,211			(11	)%
Credit reserve build / (release)	(398		)	(387		)	(153		)	(6		)	(235		)	NM		41	%	(698		)	(241		)	65	%
Provision for loan losses	1,349			1,305			1,678			1,543			1,427			(8	)%	6	%	2,915			2,970			2	%
Provision for benefits and claims	26			38			39			28			21			(25	)%	(19	)%	67			49			(27	)%
Provision for unfunded lending commitments	(28		)	(27		)	(74		)	(32		)	(47		)	(47	)%	(68	)%	(51		)	(79		)	(55	)%
Total provisions for credit losses and for benefits and claims	1,347			1,316			1,643			1,539			1,401			(9	)%	4	%	2,931			2,940			—
Total operating expenses	10,499			11,609			13,123			9,727			9,824			1	%	(6	)%	20,630			19,551			(5	)%
Income from Continuing Operations before Income Taxes	5,589			4,694			1,329			6,636			6,572			(1	)%	18	%	12,095			13,208			9	%
Provision for income taxes	1,844			1,994			1,030			1,966			1,877			(5	)%	2	%	4,116			3,843			(7	)%
Income from Continuing Operations	3,745			2,700			299			4,670			4,695			1	%	25	%	7,979			9,365			17	%
Income (loss) from Discontinued Operations, net of taxes	(22		)	(16		)	(1		)	(5		)	6			NM		NM		15			1			(93	)%
Noncontrolling interests	50			55			38			41			18			(56	)%	(64	)%	93			59			(37	)%
Citicorp’s Net Income	$	3,673		$	2,629		$	260		$	4,624		$	4,683		1	%	27	%	$	7,901		$	9,307		18	%
Balance Sheet Data (in billions of dollars):
Total EOP Assets	$	1,761		$	1,746		$	1,713		$	1,710		$	1,711		—		(3	)%
Average Assets	$	1,755		$	1,752		$	1,768		$	1,728		$	1,722		—		(2	)%	$	1,746		$	1,725		(1	)%
Return on Average Assets	0.84		%	0.60		%	0.06		%	1.09		%	1.09		%					0.91		%	1.09		%
Efficiency Ratio (Operating Expenses/Total Revenues, net)	60		%	66		%	82		%	54		%	55		%					58		%	55		%
Total EOP Loans	$	578		$	569		$	565		$	559		$	573		3	%	(1	)%
Total EOP Deposits	$	913		$	898		$	883		$	888		$	900		1	%	(1	)%

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

6

CITICORP

GLOBAL CONSUMER BANKING

Page 1

(In millions of dollars, except as otherwise noted)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Net Interest Revenue	$	6,933		$	7,120		$	7,070		$	6,701		$	6,692		—		(3	)%	$	13,734		$	13,393		(2	)%
Non-Interest Revenue	2,011			2,081			1,958			1,961			1,857			(5	)%	(8	)%	4,054			3,818			(6	)%
Total Revenues, Net of Interest Expense	8,944			9,201			9,028			8,662			8,549			(1	)%	(4	)%	17,788			17,211			(3	)%
Total Operating Expenses	5,120			4,975			4,985			4,552			4,618			1	%	(10	)%	9,991			9,170			(8	)%
Net Credit Losses	1,738			1,680			1,710			1,551			1,579			2	%	(9	)%	3,470			3,130			(10	)%
Credit Reserve Build / (Release)	(302		)	(379		)	(254		)	(113		)	(103		)	9	%	66	%	(515		)	(216		)	58	%
Provision for Unfunded Lending Commitments	(3		)	(2		)	(15		)	(1		)	(1		)	—		67	%	(6		)	(2		)	67	%
Provision for Benefits and Claims	26			38			39			28			21			(25	)%	(19	)%	67			49			(27	)%
Provisions for Loan Losses and for Benefits and Claims (LLR & PBC)	1,459			1,337			1,480			1,465			1,496			2	%	3	%	3,016			2,961			(2	)%
Income from Continuing Operations before Taxes	2,365			2,889			2,563			2,645			2,435			(8	)%	3	%	4,781			5,080			6	%
Income Taxes	802			995			875			920			805			(13	)%	—		1,544			1,725			12	%
Income from Continuing Operations	1,563			1,894			1,688			1,725			1,630			(6	)%	4	%	3,237			3,355			4	%
Noncontrolling Interests	6			9			3			(5		)	5			NM		(17	)%	13			—			(100	)%
Net Income	$	1,557		$	1,885		$	1,685		$	1,730		$	1,625		(6	)%	4	%	$	3,224		$	3,355		4	%
Average Assets (in billions of dollars)	$	409		$	410		$	406		$	394		$	394		—		(4	)%	$	408		$	394		(3	)%
Return on Average Assets (ROA)	1.53		%	1.82		%	1.65		%	1.78		%	1.65		%					1.60		%	1.72		%
Efficiency Ratio	57		%	54		%	55		%	53		%	54		%					56		%	53		%
Net Credit Losses as a % of Average Loans	2.39		%	2.28		%	2.34		%	2.22		%	2.24		%					2.42		%	2.23		%
Revenue by Business
Retail Banking	$	3,845		$	3,936		$	3,891		$	3,774		$	3,776		—		(2	)%	$	7,634		$	7,550		(1	)%
Cards (1)	5,099			5,265			5,137			4,888			4,773			(2	)%	(6	)%	10,154			9,661			(5	)%
Total	$	8,944		$	9,201		$	9,028		$	8,662		$	8,549		(1	)%	(4	)%	$	17,788		$	17,211		(3	)%
Net Credit Losses by Business
Retail Banking	$	331		$	325		$	388		$	294		$	315		7	%	(5	)%	$	653		$	609		(7	)%
Cards (1)	1,407			1,355			1,322			1,257			1,264			1	%	(10	)%	2,817			2,521			(11	)%
Total	$	1,738		$	1,680		$	1,710		$	1,551		$	1,579		2	%	(9	)%	$	3,470		$	3,130		(10	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	357		$	536		$	468		$	574		$	555		(3	)%	55	%	$	783		$	1,129		44	%
Cards (1)	1,206			1,358			1,220			1,151			1,075			(7	)%	(11	)%	2,454			2,226			(9	)%
Total	$	1,563		$	1,894		$	1,688		$	1,725		$	1,630		(6	)%	4	%	$	3,237		$	3,355		4	%
FX Translation Impact:
Total Revenue - as Reported	$	8,944		$	9,201		$	9,028		$	8,662		$	8,549		(1	)%	(4	)%	$	17,788		$	17,211		(3	)%
Impact of FX Translation (2)	(485		)	(429		)	(241		)	(43		)	—							(857		)	—
Total Revenues - Ex-FX (3)	$	8,459		$	8,772		$	8,787		$	8,619		$	8,549		(1	)%	1	%	$	16,931		$	17,211		2	%
Total Operating Expenses - as Reported	$	5,120		$	4,975		$	4,985		$	4,552		$	4,618		1	%	(10	)%	$	9,991		$	9,170		(8	)%
Impact of FX Translation (2)	(296		)	(251		)	(138		)	(20		)	—							(509		)	—
Total Operating Expenses - Ex-FX (3)	$	4,824		$	4,724		$	4,847		$	4,532		$	4,618		2	%	(4	)%	$	9,482		$	9,170		(3	)%
Total Provisions for LLR & PBC - as Reported	$	1,459		$	1,337		$	1,480		$	1,465		$	1,496		2	%	3	%	$	3,016		$	2,961		(2	)%
Impact of FX Translation (2)	(124		)	(94		)	(61		)	(12		)	—							(210		)	—
Total Provisions for LLR & PBC - Ex-FX (3)	$	1,335		$	1,243		$	1,419		$	1,453		$	1,496		3	%	12	%	$	2,806		$	2,961		6	%
Net Income - as Reported	$	1,557		$	1,885		$	1,685		$	1,730		$	1,625		(6	)%	4	%	$	3,224		$	3,355		4	%
Impact of FX Translation (2)	(36		)	(47		)	(18		)	(7		)	—							(65		)	—
Net Income - Ex-FX (3)	$	1,521		$	1,838		$	1,667		$	1,723		$	1,625		(6	)%	7	%	$	3,159		$	3,355		6	%

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

(2)     Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2015 average exchange rates for all periods presented.

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

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

7

CITICORP

GLOBAL CONSUMER BANKING

Page 2

																2Q15 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2014			2014			2014			2015			2015			1Q15		2Q14
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	3,307			3,284			3,129			3,027			3,015			—		(9	)%
Accounts (in millions)	61.2			60.3			59.8			59.2			59.4			—		(3	)%
Average Deposits	$	307.5		$	306.4		$	302.7		$	302.2		$	302.1		—		(2	)%
Investment Sales	$	26.3		$	29.5		$	23.8		$	26.5		$	26.9		2	%	2	%
Investment Assets under Management (AUMs)	$	170.2		$	168.2		$	163.3		$	161.8		$	163.3		1	%	(4	)%
Average Loans	$	153.3		$	154.2		$	152.6		$	148.3		$	149.8		1	%	(2	)%
EOP Loans:
Real Estate Lending	$	81.1		$	81.5		$	79.7		$	79.5		$	80.4		1	%	(1	)%
Commercial Markets	42.1			41.1			39.1			38.2			38.6			1	%	(8	)%
Personal and Other	31.7			31.3			30.4			30.2			30.8			2	%	(3	)%
EOP Loans	$	154.9		$	153.9		$	149.2		$	147.9		$	149.8		1	%	(3	)%
Net Interest Revenue (in millions) (1)	$	2,431		$	2,483		$	2,461		$	2,315		$	2,364		2	%	(3	)%
As a % of Average Loans	6.36		%	6.39		%	6.40		%	6.33		%	6.33		%
Net Credit Losses (in millions)	$	331		$	325		$	388		$	294		$	315		7	%	(5	)%
As a % of Average Loans	0.87		%	0.84		%	1.01		%	0.80		%	0.84		%
Loans 90+ Days Past Due (in millions) (2) (3)	$	989		$	964		$	816		$	617		$	636		3	%	(36	)%
As a % of EOP Loans	0.64		%	0.63		%	0.55		%	0.42		%	0.43		%
Loans 30-89 Days Past Due (in millions) (2)	$	965		$	912		$	854		$	845		$	797		(6	)%	(17	)%
As a % of EOP Loans	0.63		%	0.60		%	0.58		%	0.58		%	0.53		%
Cards Key Indicators (in millions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)	$	138.2		$	136.1		$	137.0		$	136.3		$	136.6		—		(1	)%
Purchase Sales (in billions)	$	91.8		$	90.6		$	96.7		$	82.5		$	92.0		12	%	—
Average Loans (in billions) (4)	$	138.3		$	138.0		$	137.8		$	134.8		$	132.4		(2	)%	(4	)%
EOP Loans (in billions) (4)	$	140.1		$	138.1		$	141.9		$	132.2		$	134.1		1	%	(4	)%
Average Yield (5)	13.51		%	13.55		%	13.47		%	13.51		%	13.46		%
Net Interest Revenue (6)	$	4,502		$	4,637		$	4,609		$	4,386		$	4,328		(1	)%	(4	)%
As a % of Average Loans (6)	13.06		%	13.33		%	13.27		%	13.20		%	13.11		%
Net Credit Losses	$	1,407		$	1,355		$	1,322		$	1,257		$	1,264		1	%	(10	)%
As a % of Average Loans	4.08		%	3.90		%	3.81		%	3.78		%	3.83		%
Net Credit Margin (7)	$	3,682		$	3,898		$	3,804		$	3,621		$	3,499		(3	)%	(5	)%
As a % of Average Loans (7)	10.68		%	11.21		%	10.95		%	10.89		%	10.60		%
Loans 90+ Days Past Due	$	1,715		$	1,690		$	1,750		$	1,628		$	1,498		(8	)%	(13	)%
As a % of EOP Loans	1.22		%	1.22		%	1.23		%	1.23		%	1.12		%
Loans 30-89 Days Past Due	$	1,850		$	1,894		$	1,834		$	1,666		$	1,590		(5	)%	(14	)%
As a % of EOP Loans	1.32		%	1.37		%	1.29		%	1.26		%	1.19		%

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

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

(3)The fourth quarter of 2014 reflects a $71 million charge-off related to Citi’s homebuilder exposure in Mexico, which was offset by a related release of previously established loan loss reserves, and therefore neutral to the cost of credit during the quarter.  The charge-off reduced Loans 90+Days Past Due by the same amount.

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

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

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

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

Reclassified to conform to the current period’s presentation.

8

CITICORP

GLOBAL CONSUMER BANKING

NORTH AMERICA

Page 1

(In millions of dollars, except as otherwise noted)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Net Interest Revenue	$	4,211		$	4,363		$	4,442		$	4,305		$	4,280		(1	)%	2	%	$	8,398		$	8,585		2	%
Non-Interest Revenue	576			633			654			689			543			(21	)%	(6	)%	1,179			1,232			4	%
Total Revenues, Net of Interest Expense	4,787			4,996			5,096			4,994			4,823			(3	)%	1	%	9,577			9,817			3	%
Total Operating Expenses	2,349			2,411			2,507			2,292			2,267			(1	)%	(3	)%	4,788			4,559			(5	)%
Net Credit Losses	1,072			1,019			1,013			961			1,000			4	%	(7	)%	2,174			1,961			(10	)%
Credit Reserve Build / (Release)	(397		)	(341		)	(233		)	(100		)	(109		)	(9	)%	73	%	(668		)	(209		)	69	%
Provision for Unfunded Lending Commitments	1			—			(11		)	1			—			(100	)%	(100	)%	3			1			(67	)%
Provision for Benefits and Claims	11			12			10			10			9			(10	)%	(18	)%	18			19			6	%
Provisions for Loan Losses and for Benefits and Claims	687			690			779			872			900			3	%	31	%	1,527			1,772			16	%
Income from Continuing Operations before Taxes	1,751			1,895			1,810			1,830			1,656			(10	)%	(5	)%	3,262			3,486			7	%
Income Taxes (benefits)	677			712			673			690			589			(15	)%	(13	)%	1,170			1,279			9	%
Income from Continuing Operations	1,074			1,183			1,137			1,140			1,067			(6	)%	(1	)%	2,092			2,207			5	%
Noncontrolling Interests	(1		)	—			—			—			(1		)	(100	)%	—		(1		)	(1		)	—
Net Income	$	1,075		$	1,183		$	1,137		$	1,140		$	1,068		(6	)%	(1	)%	$	2,093		$	2,208		5	%
Average Assets (in billions of dollars)	$	209		$	211		$	213		$	208		$	206		(1	)%	(1	)%	$	210		$	207		(1	)%
Return on Average Assets	2.06		%	2.22		%	2.12		%	2.22		%	2.08		%					2.01		%	2.15		%
Efficiency Ratio	49		%	48		%	49		%	46		%	47		%					50		%	46		%
Net Credit Losses as a % of Average Loans	2.78		%	2.59		%	2.55		%	2.51		%	2.59		%					2.82		%	2.55		%
Revenue by Business
Retail Banking	$	1,177		$	1,232		$	1,364		$	1,348		$	1,307		(3	)%	11	%	$	2,321		$	2,655		14	%
Citi-Branded Cards	2,029			2,118			2,122			2,009			1,933			(4	)%	(5	)%	4,050			3,942			(3	)%
Citi Retail Services	1,581			1,646			1,610			1,637			1,583			(3	)%	—		3,206			3,220			—
Total	$	4,787		$	4,996		$	5,096		$	4,994		$	4,823		(3	)%	1	%	$	9,577		$	9,817		3	%
Net Credit Losses by Business
Retail Banking	$	37		$	36		$	36		$	36		$	40		11	%	8	%	$	71		$	76		7	%
Citi-Branded Cards	570			526			514			492			503			2	%	(12	)%	1,157			995			(14	)%
Citi Retail Services	465			457			463			433			457			6	%	(2	)%	946			890			(6	)%
Total	$	1,072		$	1,019		$	1,013		$	961		$	1,000		4	%	(7	)%	$	2,174		$	1,961		(10	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	90		$	107		$	140		$	197		$	189		(4	)%	NM		$	108		$	386		NM
Citi-Branded Cards	555			636			636			539			499			(7	)%	(10	)%	1,119			1,038			(7	)%
Citi Retail Services	429			440			361			404			379			(6	)%	(12	)%	865			783			(9	)%
Total	$	1,074		$	1,183		$	1,137		$	1,140		$	1,067		(6	)%	(1	)%	$	2,092		$	2,207		5	%

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

9

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GLOBAL CONSUMER BANKING

NORTH AMERICA

Page 2

																2Q15 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2014			2014			2014			2015			2015			1Q15		2Q14
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	912			895			849			788			779			(1	)%	(15	)%
Accounts (in millions)	12.0			11.9			11.7			11.3			11.2			(1	)%	(7	)%
Investment Sales	$	3.8		$	3.6		$	4.0		$	4.5		$	3.9		(13	)%	3	%
Investment AUMs	$	35.9		$	35.8		$	36.2		$	37.0		$	36.9		—		3	%
Average Deposits	$	171.0		$	170.4		$	170.6		$	171.6		$	170.9		—		—
Average Loans	$	45.6		$	46.9		$	48.3		$	47.5		$	49.0		3	%	7	%
EOP Loans:
Real Estate Lending	$	36.4		$	37.6		$	36.7		$	37.8		$	38.9		3	%	7	%
Commercial Markets	8.5			8.6			8.6			8.5			8.5			—		—
Personal and Other	1.3			1.3			1.5			1.5			1.4			(7	)%	8	%
Total EOP Loans	$	46.2		$	47.5		$	46.8		$	47.8		$	48.8		2	%	6	%
Mortgage Originations	$	6.2		$	7.1		$	6.7		$	7.0		$	8.8		26	%	42	%
Third Party Mortgage Servicing Portfolio (EOP)	$	175.9		$	173.0		$	171.9		$	168.2		$	165.0		(2	)%	(6	)%
Net Servicing & Gain/(Loss) on Sale (in millions)	$	133.9		$	132.4		$	255.6		$	168.7		$	179.4		6	%	34	%
Saleable Mortgage Rate Locks	$	4.2		$	4.4		$	3.8		$	4.4		$	5.0		14	%	19	%
Net Interest Revenue on Loans (in millions)	$	247		$	255		$	271		$	248		$	266		7	%	8	%
As a % of Avg. Loans	2.17		%	2.16		%	2.23		%	2.12		%	2.18		%
Net Credit Losses (in millions)	$	37		$	36		$	36		$	36		$	40		11	%	8	%
As a % of Avg. Loans	0.33		%	0.30		%	0.30		%	0.31		%	0.33		%
Loans 90+ Days Past Due (in millions) (1)	$	227		$	229		$	225		$	123		$	150		22	%	(34	)%
As a % of EOP Loans	0.50		%	0.49		%	0.49		%	0.26		%	0.31		%
Loans 30-89 Days Past Due (in millions) (1)	$	203		$	213		$	212		$	203		$	176		(13	)%	(13	)%
As a % of EOP Loans	0.45		%	0.46		%	0.46		%	0.43		%	0.37		%

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

The amounts excluded for Loans 90+Days Past Due and (EOP Loans) were $668 million and ($1.2 billion), $604 million and ($1.1 billion), $562 million and ($1.1 billion), $534 million and ($1.1 billion) and $423 million and ($0.8 billion), as of June 30, 2014, September 30, 2014, December 31, 2014, March 31, 2015 and June 30, 2015, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) were $125 million and ($1.2 billion), $126 million and ($1.1 billion), $122 million and ($1.1 billion), $111 million and ($1.1 billion) and $75 million and ($0.8 billion) as of June 30, 2014, September 30, 2014, December 31, 2014, March 31, 2015 and June 30, 2015, respectively.

Reclassified to conform to the current period’s presentation.

10

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GLOBAL CONSUMER BANKING

NORTH AMERICA

Page 3

																2Q15 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2014			2014			2014			2015			2015			1Q15		2Q14
Citi-Branded Cards Key Indicators (in millions of dollars, except as otherwise noted) (1)
EOP Open Accounts (in millions)	24.1			23.5			23.6			23.7			23.2			(2	)%	(4	)%
Purchase Sales (in billions)	$	43.9		$	43.3		$	45.1		$	40.9		$	46.1		13	%	5	%
Average Loans (in billions) (1)	$	66.4		$	66.1		$	65.7		$	64.1		$	63.2		(1	)%	(5	)%
EOP Loans (in billions) (1)	$	67.3		$	66.5		$	67.5		$	63.5		$	64.5		2	%	(4	)%
Average Yield (2)	10.31		%	10.38		%	10.35		%	10.48		%	10.39		%
Net Interest Revenue (3)	$	1,635		$	1,681		$	1,679		$	1,607		$	1,582		(2	)%	(3	)%
As a % of Avg. Loans (3)	9.88		%	10.09		%	10.14		%	10.17		%	10.04		%
Net Credit Losses	$	570		$	526		$	514		$	492		$	503		2	%	(12	)%
As a % of Average Loans	3.44		%	3.16		%	3.10		%	3.11		%	3.19		%
Net Credit Margin (4)	$	1,454		$	1,588		$	1,605		$	1,513		$	1,426		(6	)%	(2	)%
As a % of Avg. Loans (4)	8.78		%	9.53		%	9.69		%	9.57		%	9.05		%
Loans 90+ Days Past Due	$	583		$	559		$	593		$	569		$	495		(13	)%	(15	)%
As a % of EOP Loans	0.87		%	0.84		%	0.88		%	0.90		%	0.77		%
Loans 30-89 Days Past Due	$	540		$	566		$	568		$	497		$	462		(7	)%	(14	)%
As a % of EOP Loans	0.80		%	0.85		%	0.84		%	0.78		%	0.72		%
Citi Retail Services Key Indicators (in millions of dollars, except as otherwise noted) (1)
EOP Open Accounts	88.8			87.2			88.1			87.3			88.1			1	%	(1	)%
Purchase Sales (in billions)	$	20.4		$	19.7		$	23.5		$	16.5		$	20.2		22	%	(1	)%
Average Loans (in billions) (1)	$	42.4		$	42.9		$	43.9		$	43.9		$	42.6		(3	)%	—
EOP Loans (in billions) (1)	$	43.1		$	43.0		$	46.5		$	42.4		$	43.2		2	%	—
Average Yield (2)	16.89		%	16.89		%	16.80		%	16.96		%	17.00		%
Net Interest Revenue (3)	$	1,810		$	1,884		$	1,923		$	1,885		$	1,843		(2	)%	2	%
As a % of Avg. Loans (3)	17.12		%	17.42		%	17.38		%	17.41		%	17.35		%
Net Credit Losses	$	465		$	457		$	463		$	433		$	457		6	%	(2	)%
As a % of Average Loans	4.40		%	4.23		%	4.18		%	4.00		%	4.30		%
Net Credit Margin (4)	$	1,111		$	1,181		$	1,139		$	1,198		$	1,120		(7	)%	1	%
As a % of Avg. Loans (4)	10.51		%	10.92		%	10.29		%	11.07		%	10.55		%
Loans 90+ Days Past Due	$	606		$	630		$	678		$	629		$	567		(10	)%	(6	)%
As a % of EOP Loans	1.41		%	1.47		%	1.46		%	1.48		%	1.31		%
Loans 30-89 Days Past Due	$	683		$	729		$	748		$	673		$	652		(3	)%	(5	)%
As a % of EOP Loans	1.58		%	1.70		%	1.61		%	1.59		%	1.51		%

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

(2)     Average yield is calculated as gross interest revenue earned divided by average loans.

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

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

Reclassified to conform to the current period’s presentation.

11

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GLOBAL CONSUMER BANKING

LATIN AMERICA - PAGE 1

(In millions of dollars, except as otherwise noted)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Net Interest Revenue	$	1,432		$	1,472		$	1,404		$	1,242		$	1,241		—		(13	)%	$	2,796		$	2,483		(11	)%
Non-Interest Revenue	704			700			665			593			607			2	%	(14	)%	1,423			1,200			(16	)%
Total Revenues, Net of Interest Expense	2,136			2,172			2,069			1,835			1,848			1	%	(13	)%	4,219			3,683			(13	)%
Total Operating Expenses	1,254			1,272			1,245			1,080			1,162			8	%	(7	)%	2,457			2,242			(9	)%
Net Credit Losses	454			460			511			417			392			(6	)%	(14	)%	890			809			(9	)%
Credit Reserve Build / (Release)	109			(4		)	(36		)	22			7			(68	)%	(94	)%	160			29			(82	)%
Provision for Unfunded Lending Commitments	1			(1		)	—			(3		)	3			NM		NM		—			—			—
Provision for Benefits and Claims	15			26			29			18			12			(33	)%	(20	)%	49			30			(39	)%
Provisions for Loan Losses and for Benefits and Claims (LLR & PBC)	579			481			504			454			414			(9	)%	(28	)%	1,099			868			(21	)%
Income from Continuing Operations before Taxes	303			419			320			301			272			(10	)%	(10	)%	663			573			(14	)%
Income Taxes	28			90			57			57			47			(18	)%	68	%	97			104			7	%
Income from Continuing Operations	275			329			263			244			225			(8	)%	(18	)%	566			469			(17	)%
Noncontrolling Interests	2			2			—			—			2			NM		—		4			2			(50	)%
Net Income	$	273		$	327		$	263		$	244		$	223		(9	)%	(18	)%	$	562		$	467		(17	)%
Average Assets (in billions of dollars)	$	77		$	76		$	73		$	68		$	66		(3	)%	(14	)%	$	77		$	67		(13	)%
Return on Average Assets (1)	1.42		%	1.71		%	1.43		%	1.46		%	1.36		%					1.49		%	1.41		%
Efficiency Ratio	59		%	59		%	60		%	59		%	63		%					58		%	61		%
Net Credit Losses as a % of Average Loans (1)	4.63		%	4.75		%	5.51		%	4.90		%	4.60		%					4.71		%	4.74		%
Revenue by Business
Retail Banking	$	1,431		$	1,452		$	1,375		$	1,251		$	1,269		1	%	(11	)%	$	2,851		$	2,520		(12	)%
Citi-Branded Cards	705			720			694			584			579			(1	)%	(18	)%	1,368			1,163			(15	)%
Total	$	2,136		$	2,172		$	2,069		$	1,835		$	1,848		1	%	(13	)%	$	4,219		$	3,683		(13	)%
Net Credit Losses by Business
Retail Banking	$	211		$	210		$	278		$	188		$	196		4	%	(7	)%	$	419		$	384		(8	)%
Citi-Branded Cards	243			250			233			229			196			(14	)%	(19	)%	471			425			(10	)%
Total	$	454		$	460		$	511		$	417		$	392		(6	)%	(14	)%	$	890		$	809		(9	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	206		$	189		$	141		$	154		$	143		(7	)%	(31	)%	$	410		$	297		(28	)%
Citi-Branded Cards	69			140			122			90			82			(9	)%	19	%	156			172			10	%
Total	$	275		$	329		$	263		$	244		$	225		(8	)%	(18	)%	$	566		$	469		(17	)%
FX Translation Impact:
Total Revenue - as Reported	$	2,136		$	2,172		$	2,069		$	1,835		$	1,848		1	%	(13	)%	$	4,219		$	3,683		(13	)%
Impact of FX Translation (1)	(341		)	(305		)	(191		)	(48		)	—							(596		)	—
Total Revenues - Ex-FX (2)	$	1,795		$	1,867		$	1,878		$	1,787		$	1,848		3	%	3	%	$	3,623		$	3,683		2	%
Total Operating Expenses - as Reported	$	1,254		$	1,272		$	1,245		$	1,080		$	1,162		8	%	(7	)%	$	2,457		$	2,242		(9	)%
Impact of FX Translation (1)	(180		)	(165		)	(104		)	(24		)	—							(312		)	—
Total Operating Expenses - Ex-FX (2)	$	1,074		$	1,107		$	1,141		$	1,056		$	1,162		10	%	8	%	$	2,145		$	2,242		5	%
Provisions for LLR & PBC - as Reported	$	579		$	481		$	504		$	454		$	414		(9	)%	(28	)%	$	1,099		$	868		(21	)%
Impact of FX Translation (1)	(100		)	(76		)	(52		)	(13		)	—							(169		)	—
Provisions for LLR & PBC - Ex-FX (2)	$	479		$	405		$	452		$	441		$	414		(6	)%	(14	)%	$	930		$	868		(7	)%
Net Income - as Reported	$	273		$	327		$	263		$	244		$	223		(9	)%	(18	)%	$	562		$	467		(17	)%
Impact of FX Translation (1)	(38		)	(37		)	(19		)	(7		)	—							(62		)	—
Net Income - Ex-FX (2)	$	235		$	290		$	244		$	237		$	223		(6	)%	(5	)%	$	500		$	467		(7	)%

(1)Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2015 average exchange rates for all periods presented.

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

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

12

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GLOBAL CONSUMER BANKING

LATIN AMERICA - PAGE 2

																2Q15 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2014			2014			2014			2015			2015			1Q15		2Q14
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	1,836			1,843			1,744			1,700			1,699			—		(7	)%
Accounts (in millions)	31.3			30.8			30.6			30.5			30.7			1	%	(2	)%
Average Deposits	$	45.2		$	45.0		$	43.9		$	42.2		$	41.7		(1	)%	(8	)%
Investment Sales	$	13.0		$	14.9		$	11.9		$	11.0		$	10.0		(9	)%	(23	)%
Investment AUMs	$	75.6		$	74.3		$	68.8		$	65.9		$	66.2		—		(12	)%
Average Loans	$	29.0		$	28.5		$	27.2		$	25.7		$	25.7		—		(11	)%
EOP Loans:
Real Estate Lending	$	5.8		$	5.5		$	5.0		$	4.9		$	4.8		(2	)%	(17	)%
Commercial Markets	12.7			12.1			11.3			11.0			11.2			2	%	(12	)%
Personal and Other	10.7			10.6			9.9			9.7			9.7			—		(9	)%
Total EOP Loans	$	29.2		$	28.2		$	26.2		$	25.6		$	25.7		—		(12	)%
Net Interest Revenue (in millions) (1)	$	909		$	929		$	895		$	815		$	813		—		(11	)%
As a % of Average Loans (1)	12.57		%	12.93		%	13.05		%	12.86		%	12.69		%
Net Credit Losses (in millions)	$	211		$	210		$	278		$	188		$	196		4	%	(7	)%
As a % of Average Loans	2.92		%	2.92		%	4.05		%	2.97		%	3.06		%
Loans 90+ Days Past Due (in millions) (2)	$	540		$	515		$	397		$	306		$	296		(3	)%	(45	)%
As a % of EOP Loans (2)	1.85		%	1.83		%	1.52		%	1.20		%	1.15		%
Loans 30-89 Days Past Due (in millions)	$	344		$	302		$	290		$	282		$	266		(6	)%	(23	)%
As a % of EOP Loans	1.18		%	1.07		%	1.11		%	1.10		%	1.04		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)	8.2			8.2			8.1			8.1			8.0			(1	)%	(2	)%
Purchase Sales (in billions)	$	7.4		$	7.4		$	7.6		$	6.4		$	6.5		2	%	(12	)%
Average Loans (in billions) (3)	$	10.3		$	9.9		$	9.6		$	8.8		$	8.5		(3	)%	(17	)%
EOP Loans (in billions) (3)	$	10.1		$	9.8		$	9.3		$	8.5		$	8.3		(2	)%	(18	)%
Average Yield (4)	20.90		%	21.14		%	20.73		%	20.10		%	20.72		%	3	%	(1	)%
Net Interest Revenue (in millions) (5)	$	523		$	543		$	509		$	427		$	428		—		(18	)%
As a % of Average Loans (5)	20.37		%	21.76		%	21.04		%	19.68		%	20.20		%
Net Credit Losses (in millions)	$	243		$	250		$	233		$	229		$	196		(14	)%	(19	)%
As a % of Average Loans	9.46		%	10.02		%	9.63		%	10.55		%	9.25		%
Net Credit Margin (in millions) (6)	$	462		$	470		$	461		$	355		$	383		8	%	(17	)%
As a % of Average Loans (6)	17.99		%	18.84		%	19.05		%	16.36		%	18.07		%
Loans 90+ Days Past Due (in millions)	$	303		$	294		$	284		$	240		$	245		2	%	(19	)%
As a % of EOP Loans	3.00		%	3.00		%	3.05		%	2.82		%	2.95		%
Loans 30-89 Days Past Due (in millions)	$	326		$	322		$	262		$	247		$	229		(7	)%	(30	)%
As a % of EOP Loans	3.23		%	3.29		%	2.82		%	2.91		%	2.76		%

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

(2)See footnote 3 on page 8.

(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.

13

CITICORP

GLOBAL CONSUMER BANKING

ASIA (1) - PAGE 1

(In millions of dollars, except as otherwise noted)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Net Interest Revenue	$	1,290		$	1,285		$	1,224		$	1,154		$	1,171		1	%	(9	)%	$	2,540		$	2,325		(8	)%
Non-Interest Revenue	731			748			639			679			707			4	%	(3	)%	1,452			1,386			(5	)%
Total Revenues, Net of Interest Expense	2,021			2,033			1,863			1,833			1,878			2	%	(7	)%	3,992			3,711			(7	)%
Total Operating Expenses	1,517			1,292			1,233			1,180			1,189			1	%	(22	)%	2,746			2,369			(14	)%
Net Credit Losses	212			201			186			173			187			8	%	(12	)%	406			360			(11	)%
Credit Reserve Build / (Release)	(14		)	(34		)	15			(35		)	(1		)	97	%	93	%	(7		)	(36		)	NM
Provision for Unfunded Lending Commitments	(5		)	(1		)	(4		)	1			(4		)	NM		20	%	(9		)	(3		)	67	%
Provision for Benefits and Claims	—			—			—			—			—			—		—		—			—			—
Provisions for Loan Losses and for Benefits and Claims (LLR & PBC)	193			166			197			139			182			31	%	(6	)%	390			321			(18	)%
Income from Continuing Operations before Taxes	311			575			433			514			507			(1	)%	63	%	856			1,021			19	%
Income Taxes	97			193			145			173			169			(2	)%	74	%	277			342			23	%
Income from Continuing Operations	214			382			288			341			338			(1	)%	58	%	579			679			17	%
Noncontrolling Interests	5			7			3			(5		)	4			NM		(20	)%	10			(1		)	NM
Net Income	$	209		$	375		$	285		$	346		$	334		(3	)%	60	%	$	569		$	680		20	%
Average Assets (in billions of dollars)	$	123		$	123		$	120		$	118		$	122		3	%	(1	)%	$	122		$	120		(2	)%
Return on Average Assets	0.68		%	1.21		%	0.94		%	1.19		%	1.10		%					0.94		%	1.14		%
Efficiency Ratio	75		%	64		%	66		%	64		%	63		%					69		%	64		%
Net Credit Losses as a % of Average Loans	0.87		%	0.81		%	0.77		%	0.75		%	0.80		%					0.85		%	0.78		%
Revenue by Business
Retail Banking	$	1,237		$	1,252		$	1,152		$	1,175		$	1,200		2	%	(3	)%	$	2,462		$	2,375		(4	)%
Citi-Branded Cards	784			781			711			658			678			3	%	(14	)%	1,530			1,336			(13	)%
Total	$	2,021		$	2,033		$	1,863		$	1,833		$	1,878		2	%	(7	)%	$	3,992		$	3,711		(7	)%
Net Credit Losses by Business
Retail Banking	$	83		$	79		$	74		$	70		$	79		13	%	(5	)%	$	163		$	149		(9	)%
Citi-Branded Cards	129			122			112			103			108			5	%	(16	)%	243			211			(13	)%
Total	$	212		$	201		$	186		$	173		$	187		8	%	(12	)%	$	406		$	360		(11	)%
Income from Continuing Operations by Business
Retail Banking	$	61		$	240		$	187		$	223		$	223		—		NM		$	265		$	446		68	%
Citi-Branded Cards	153			142			101			118			115			(3	)%	(25	)%	314			233			(26	)%
Total	$	214		$	382		$	288		$	341		$	338		(1	)%	58	%	$	579		$	679		17	%
FX Translation Impact:
Total Revenue - as Reported	$	2,021		$	2,033		$	1,863		$	1,833		$	1,878		2	%	(7	)%	$	3,992		$	3,711		(7	)%
Impact of FX Translation (2)	(144		)	(124		)	(50		)	5			—							(261		)	—
Total Revenues - Ex-FX (3)	$	1,877		$	1,909		$	1,813		$	1,838		$	1,878		2	%	—		$	3,731		$	3,711		(1	)%
Total Operating Expenses - as Reported	$	1,517		$	1,292		$	1,233		$	1,180		$	1,189		1	%	(22	)%	$	2,746		$	2,369		(14	)%
Impact of FX Translation (2)	(116		)	(86		)	(34		)	4			—							(197		)	—
Total Operating Expenses - Ex-FX (3)	$	1,401		$	1,206		$	1,199		$	1,184		$	1,189		—		(15	)%	$	2,549		$	2,369		(7	)%
Provisions for LLR & PBC - as Reported	$	193		$	166		$	197		$	139		$	182		31	%	(6	)%	$	390		$	321		(18	)%
Impact of FX Translation (2)	(24		)	(18		)	(9		)	1			—							(41		)	—
Provisions for LLR & PBC - Ex-FX (3)	$	169		$	148		$	188		$	140		$	182		30	%	8	%	$	349		$	321		(8	)%
Net Income - as Reported	$	209		$	375		$	285		$	346		$	334		(3	)%	60	%	$	569		$	680		20	%
Impact of FX Translation (2)	2			(10		)	1			—			—							(3		)	—
Net Income - Ex-FX (3)	$	211		$	365		$	286		$	346		$	334		(3	)%	58	%	$	566		$	680		20	%

(1)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

(2)Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2015 average exchange rates for all periods presented.

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

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

14

CITICORP

GLOBAL CONSUMER BANKING

ASIA (1) - PAGE 2

																2Q15 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2014			2014			2014			2015			2015			1Q15		2Q14
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	559			546			536			539			537			—		(4	)%
Accounts (in millions)	17.9			17.6			17.5			17.4			17.5			1	%	(2	)%
Average Deposits	$	91.3		$	91.0		$	88.2		$	88.4		$	89.5		1	%	(2	)%
Investment Sales	$	9.5		$	11.0		$	7.9		$	11.0		$	13.0		18	%	37	%
Investment AUMs	$	58.7		$	58.1		$	58.3		$	58.9		$	60.2		2	%	3	%
Average Loans	$	78.7		$	78.8		$	77.1		$	75.1		$	75.1		—		(5	)%
EOP Loans:
Real Estate Lending	$	38.9		$	38.4		$	38.0		$	36.8		$	36.7		—		(6	)%
Commercial Markets	20.9			20.4			19.2			18.7			18.9			1	%	(10	)%
Personal and Other	19.7			19.4			19.0			19.0			19.7			4	%	—
Total EOP Loans	$	79.5		$	78.2		$	76.2		$	74.5		$	75.3		1	%	(5	)%
Net Interest Revenue (in millions) (2)	$	756		$	756		$	726		$	687		$	696		1	%	(8	)%
As a % of Average Loans (2)	3.85		%	3.81		%	3.74		%	3.71		%	3.72		%
Net Credit Losses (in millions)	$	83		$	79		$	74		$	70		$	79		13	%	(5	)%
As a % of Average Loans	0.42		%	0.40		%	0.38		%	0.38		%	0.42		%
Loans 90+ Days Past Due (in millions)	$	222		$	220		$	194		$	188		$	190		1	%	(14	)%
As a % of EOP Loans	0.28		%	0.28		%	0.25		%	0.25		%	0.25		%
Loans 30-89 Days Past Due (in millions)	$	418		$	397		$	352		$	360		$	355		(1	)%	(15	)%
As a % of EOP Loans	0.53		%	0.51		%	0.46		%	0.48		%	0.47		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)	17.1			17.2			17.2			17.2			17.3			1	%	1	%
Purchase Sales (in billions)	$	20.1		$	20.2		$	20.5		$	18.7		$	19.2		3	%	(4	)%
Average Loans (in billions) (3)	$	19.2		$	19.1		$	18.6		$	18.0		$	18.1		1	%	(6	)%
EOP Loans (in billions) (3)	$	19.6		$	18.8		$	18.6		$	17.8		$	18.1		2	%	(8	)%
Average Yield (4)	13.15		%	13.06		%	12.79		%	12.62		%	12.51		%
Net Interest Revenue (in millions) (5)	$	534		$	529		$	498		$	467		$	475		2	%	(11	)%
As a % of Average Loans (6)	11.16		%	10.99		%	10.62		%	10.52		%	10.53		%
Net Credit Losses (in millions)	$	129		$	122		$	112		$	103		$	108		5	%	(16	)%
As a % of Average Loans	2.69		%	2.53		%	2.39		%	2.32		%	2.39		%
Net Credit Margin (in millions) (6)	$	655		$	659		$	599		$	555		$	570		3	%	(13	)%
As a % of Average Loans (6)	13.68		%	13.69		%	12.78		%	12.50		%	12.63		%
Loans 90+ Days Past Due	$	223		$	207		$	195		$	190		$	191		1	%	(14	)%
As a % of EOP Loans	1.14		%	1.10		%	1.05		%	1.07		%	1.06		%
Loans 30-89 Days Past Due	$	301		$	277		$	256		$	249		$	247		(1	)%	(18	)%
As a % of EOP Loans	1.54		%	1.47		%	1.38		%	1.40		%	1.36		%

(1)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

(2)Also includes net interest revenue related to the region’s deposit balances in excess of the average loan portfolio.

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

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

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

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

Reclassified to conform to the current period’s presentation.

15

CITICORP

INSTITUTIONAL CLIENTS GROUP

(In millions of dollars, except as otherwise noted)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Commissions and Fees	$	992		$	1,015		$	974		$	995		$	986		(1	)%	(1	)%	2,006			1,981			(1	)%
Administration and Other Fiduciary Fees	651			626			619			608			658			8	%	1	%	1,275			1,266			(1	)%
Investment Banking	1,257			1,047			1,008			1,134			1,120			(1	)%	(11	)%	2,214			2,254			2	%
Principal Transactions	1,577			1,396			329			2,198			1,797			(18	)%	14	%	4,180			3,995			(4	)%
Other	104			241			177			249			166			(33	)%	60	%	243			415			71	%
Total Non-Interest Revenue	4,581			4,325			3,107			5,184			4,727			(9	)%	3	%	9,918			9,911			—
Net Interest Revenue (including Dividends)	3,821			4,011			4,053			3,844			4,151			8	%	9	%	7,638			7,995			5	%
Total Revenues, Net of Interest Expense	8,402			8,336			7,160			9,028			8,878			(2	)%	6	%	17,556			17,906			2	%
Total Operating Expenses	4,743			4,912			4,878			4,632			4,821			4	%	2	%	9,601			9,453			(2	)%
Net Credit Losses	9			12			121			(2		)	83			NM		NM		143			81			(43	)%
Credit Reserve Build / (Release)	(96		)	(8		)	101			107			(132		)	NM		(38	)%	(183		)	(25		)	86	%
Provision for Unfunded Lending Commitments	(25		)	(25		)	(59		)	(31		)	(46		)	(48	)%	(84	)%	(45		)	(77		)	(71	)%
Provision for Benefits and Claims	—			—			—			—			—			—		—		—			—			—
Provisions for Credit Losses and for Benefits and Claims	(112		)	(21		)	163			74			(95		)	NM		15	%	(85		)	(21		)	75	%
Income from Continuing Operations before Taxes	3,771			3,445			2,119			4,322			4,152			(4	)%	10	%	8,040			8,474			5	%
Income Taxes	1,205			1,102			442			1,358			1,317			(3	)%	9	%	2,526			2,675			6	%
Income from Continuing Operations	2,566			2,343			1,677			2,964			2,835			(4	)%	10	%	5,514			5,799			5	%
Noncontrolling Interests	19			42			31			36			15			(58	)%	(21	)%	45			51			13	%
Net Income	$	2,547		$	2,301		$	1,646		$	2,928		$	2,820		(4	)%	11	%	$	5,469		$	5,748		5	%
Average Assets (in billions of dollars)	$	1,290		$	1,279		$	1,298		$	1,274		$	1,278		—		(1	)%	$	1,286		$	1,276		(1	)%
Return on Average Assets	0.79		%	0.71		%	0.50		%	0.93		%	0.89		%					0.86		%	0.91		%
Return on Average Assets (Excluding CVA/DVA) (1)(2)	0.80		%	0.77		%	0.50		%	0.95		%	0.83		%					0.86		%	0.89		%
Efficiency Ratio	56		%	59		%	68		%	51		%	54		%					55		%	53		%
Revenue by Region - Excluding CVA/DVA (2)
North America	$	3,184		$	3,202		$	2,393		$	3,230		$	3,141		(3	)%	(1	)%	$	6,746		$	6,371		(6	)%
EMEA	2,415			2,529			2,069			2,869			2,413			(16	)%	—		5,167			5,282			2	%
Latin America	1,158			1,037			982			1,074			1,095			2	%	(5	)%	2,261			2,169			(4	)%
Asia	1,677			1,884			1,704			1,924			1,926			—		15	%	3,421			3,850			13	%
Total	$	8,434		$	8,652		$	7,148		$	9,097		$	8,575		(6	)%	2	%	$	17,595		$	17,672		—
CVA/DVA {excluded as applicable in lines above}	(32		)	(316		)	12			(69		)	303			NM		NM		(39		)	234			NM
Total Revenues, net of Interest Expense	$	8,402		$	8,336		$	7,160		$	9,028		$	8,878		(2	)%	6	%	$	17,556		$	17,906		2	%
Income from Continuing Operations by Region - Excluding CVA/DVA (2)
North America	$	1,114		$	910		$	616		$	968		$	888		(8	)%	(20	)%	$	2,419		$	1,856		(23	)%
EMEA	561			647			242			925			602			(35	)%	7	%	1,341			1,527			14	%
Latin America	433			308			280			419			460			10	%	6	%	774			879			14	%
Asia	478			672			532			696			695			—		45	%	1,004			1,391			39	%
Total	$	2,586		$	2,537		$	1,670		$	3,008		$	2,645		(12	)%	2	%	$	5,538		$	5,653		2	%
CVA/DVA (after-tax) {excluded as applicable in lines above}	(20		)	(194		)	7			(44		)	190			NM		NM		(24		)	146			NM
Income from Continuing Operations	$	2,566		$	2,343		$	1,677		$	2,964		$	2,835		(4	)%	10	%	$	5,514		$	5,799		5	%
Average Loans by Region (in billions)
North America	$	109		$	111		115			$	119		$	122		3	%	12	%	$	108		$	119		10	%
EMEA	59			58			57			57			60			5	%	2	%	58			59			2	%
Latin America	41			40			39			38			39			3	%	(5	)%	41			39			(5	)%
Asia	70			69			66			62			63			2	%	(10	)%	69			63			(9	)%
Total	$	279		$	278		$	277		$	276		$	284		3	%	2	%	$	276		$	280		1	%
EOP Deposits by Region (in billions)
North America	$	176		$	177		$	192		$	196		$	198		1	%	13	%
EMEA	186			180			165			167			177			6	%	(5	)%
Latin America	65			62			56			60			63			5	%	(3	)%
Asia	145			144			142			148			150			1	%	3	%
Total	$	572		$	563		$	555		$	571		$	588		3	%	3	%
EOP Deposits by Business (in billions)
Treasury and Trade Solutions	$	384		$	381		$	380		$	387		$	398		3	%	4	%
All Other ICG Businesses	188			182			175			184			190			3	%	1	%
Total	$	572		$	563		$	555		$	571		$	588		3	%	3	%

(1)Return on Average Assets excluding CVA/DVA is defined as annualized net income less CVA/DVA, divided by average assets.  See above for the after-tax CVA/DVA for each period presented.

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

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

16

CITICORP

INSTITUTIONAL CLIENTS GROUP

REVENUES BY BUSINESS

(In millions of dollars, except as otherwise noted)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Revenue Details - Excluding CVA/DVA:
Investment Banking:
Advisory	$	193		$	318		$	263		$	298		$	258		(13	)%	34	%	$	368		$	556		51	%
Equity Underwriting	397			298			252			231			296			28	%	(25	)%	696			527			(24	)%
Debt Underwriting	749			633			551			669			729			9	%	(3	)%	1,328			1,398			5	%
Total Investment Banking	1,339			1,249			1,066			1,198			1,283			7	%	(4	)%	2,392			2,481			4	%
Treasury and Trade Solutions	1,980			1,934			1,932			1,889			1,955			3	%	(1	)%	3,901			3,844			(1	)%
Corporate Lending - Excluding Gain/(Loss) on Loan Hedges	456			444			433			445			445			—		(2	)%	872			890			2	%
Private Bank	658			664			668			708			746			5	%	13	%	1,328			1,454			9	%
Total Banking Revenues (Ex-CVA/DVA and Gain/(Loss) on Loan Hedges) (1)	$	4,433		$	4,291		$	4,099		$	4,240		$	4,429		4	%	—		$	8,493		$	8,669		2	%
Corporate Lending — Gain/(Loss) on Loan Hedges (2)	(44		)	91			86			52			(66		)	NM		(50	)%	(61		)	(14		)	77	%
Total Banking Revenues (Ex-CVA/DVA) and including G(L) on Loan Hedges (1)	$	4,389		$	4,382		$	4,185		$	4,292		$	4,363		2	%	(1	)%	$	8,432		$	8,655		3	%
Fixed Income Markets	3,080			3,064			2,075			3,483			3,062			(12	)%	(1	)%	7,009			6,545			(7	)%
Equity Markets	659			763			470			873			653			(25	)%	(1	)%	1,541			1,526			(1	)%
Securities Services	521			534			508			543			557			3	%	7	%	1,006			1,100			9	%
Other	(215		)	(91		)	(90		)	(94		)	(60		)	36	%	72	%	(393		)	(154		)	61	%
Total Markets and Securities Services (Ex-CVA/DVA) (1)	$	4,045		$	4,270		$	2,963		$	4,805		$	4,212		(12	)%	4	%	$	9,163		$	9,017		(2	)%
Total ICG (Ex-CVA/DVA) (1)	$	8,434		$	8,652		$	7,148		$	9,097		$	8,575		(6	)%	2	%	$	17,595		$	17,672		—
CVA/DVA {excluded as applicable in lines above}	(32		)	(316		)	12			(69		)	303			NM		NM		(39		)	234			NM
Total Revenues, net of Interest Expense	$	8,402		$	8,336		$	7,160		$	9,028		$	8,878		(2	)%	6	%	$	17,556		$	17,906		2	%
Taxable-equivalent adjustments (3)	$	169		$	170		$	171		$	164		$	161		(2	)%	(5	)%	$	338		$	325		(4	)%
Total ICG Revenues (Ex-CVA/DVA) and including Taxable-equivalent adjustments (1) (3)	$	8,603		$	8,822		$	7,319		$	9,261		$	8,736		(6	)%	2	%	$	17,933		$	17,997		—

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

(2)Hedges on accrual loans reflect the mark-to-market on credit derivatives used to economically hedge the corporate loan accrual portfolio.

The fixed premium costs of these hedges is netted against the core lending revenues to reflect the cost of credit protection.

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

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

17

CORPORATE / OTHER (1)

(In millions of dollars, except as otherwise noted)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Net Interest Revenue	$	(45	)	$	(63	)	$	(81	)	$	(28	)	$	(22	)	21	%	51	%	$	(80	)	$	(50	)	38	%
Non-Interest Revenue	134			145			(12		)	240			392			63	%	NM		392			632			61	%
Total Revenues, Net of Interest Expense	89			82			(93		)	212			370			75	%	NM		312			582			87	%
Total Operating Expenses	636			1,722			3,260			543			385			(29	)%	(39	)%	1,038			928			(11	)%
Net Credit Losses	—			—			—			—			—			—		—		—			—			—
Credit Reserve Build / (Release)	—			—			—			—			—			—		—		—			—			—
Provision for Benefits and Claims	—			—			—			—			—			—		—		—			—			—
Provision for Unfunded Lending Commitments	—			—			—			—			—			—		—		—			—			—
Provisions for Loan Losses and for Benefits and Claims	—			—			—			—			—			—		—		—			—			—
Income from Continuing Operations before Taxes	(547		)	(1,640		)	(3,353		)	(331		)	(15		)	95	%	97	%	(726		)	(346		)	52	%
Income Taxes	(163		)	(103		)	(287		)	(312		)	(245		)	21	%	(50	)%	46			(557		)	NM
Income from Continuing Operations	(384		)	(1,537		)	(3,066		)	(19		)	230			NM		NM		(772		)	211			NM
Income (Loss) from Discontinued Operations, net of taxes	(22		)	(16		)	(1		)	(5		)	6			NM		NM		15			1			NM
Noncontrolling Interests	25			4			4			10			(2		)	NM		NM		35			8			(77	)%
Net Income (Loss)	$	(431	)	$	(1,557	)	$	(3,071	)	$	(34	)	$	238		NM		NM		$	(792	)	$	204		NM
EOP Assets (in billions of dollars)	$	55		$	53		$	50		$	52		$	52		—		(5	)%
Average Assets (in billions of dollars)	$	56		$	63		$	64		$	60		$	50		(17	)%	(11	)%	$	52		$	55		6	%

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

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

18

CITICORP

NORTH AMERICA (1)

(In millions of dollars, except as otherwise noted)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Net Interest Revenue	$	5,616		$	5,916		$	6,046		$	5,922		$	6,029		2	%	7	%	$	11,271		$	11,951		6	%
Non-Interest Revenue	2,325			2,299			1,507			2,375			2,079			(12	)%	(11	)%	5,021			4,454			(11	)%
Total Revenues, Net of Interest Expense	7,941			8,215			7,553			8,297			8,108			(2	)%	2	%	16,292			16,405			1	%
Total Operating Expenses	4,039			4,313			4,267			4,121			4,123			—		2	%	8,298			8,244			(1	)%
Net Credit Losses	1,085			1,013			1,023			962			1,003			4	%	(8	)%	2,179			1,965			(10	)%
Credit Reserve Build / (Release)	(490		)	(316		)	(87		)	8			(19		)	NM		96	%	(808		)	(11		)	99	%
Provision Unfunded Lending Commitments	(19		)	(23		)	(81		)	(23		)	(36		)	(57	)%	(89	)%	(33		)	(59		)	(79	)%
Provision for Benefits and Claims	11			12			10			10			9			(10	)%	(18	)%	18			19			6	%
Provisions for Credit Losses and for Benefits and Claims	587			686			865			957			957			—		63	%	1,356			1,914			41	%
Income from Continuing Operations before Taxes	3,315			3,216			2,421			3,219			3,028			(6	)%	(9	)%	6,638			6,247			(6	)%
Income Taxes	1,145			1,113			629			1,064			983			(8	)%	(14	)%	2,145			2,047			(5	)%
Income from Continuing Operations	2,170			2,103			1,792			2,155			2,045			(5	)%	(6	)%	4,493			4,200			(7	)%
Noncontrolling Interests	(5		)	23			15			10			5			(50	)%	NM		(1		)	15			NM
Net Income	$	2,175		$	2,080		$	1,777		$	2,145		$	2,040		(5	)%	(6	)%	$	4,494		$	4,185		(7	)%
Average Assets (in billions of dollars)	$	841		$	871		$	894		$	885		$	876		(1	)%	4	%	$	846		$	880		4	%
Return on Average Assets	1.04		%	0.95		%	0.79		%	0.98		%	0.93		%					1.07		%	0.96		%
Efficiency Ratio	51		%	53		%	56		%	50		%	51		%					51		%	50		%
Revenue by Business
Retail Banking	$	1,177		$	1,232		$	1,364		$	1,348		$	1,307		(3	)%	11	%	$	2,321		$	2,655		14	%
Citi-Branded Cards	2,029			2,118			2,122			2,009			1,933			(4	)%	(5	)%	4,050			3,942			(3	)%
Citi Retail Services	1,581			1,646			1,610			1,637			1,583			(3	)%	—		3,206			3,220			—
Global Consumer Banking	4,787			4,996			5,096			4,994			4,823			(3	)%	1	%	9,577			9,817			3	%
Institutional Clients Group	3,154			3,219			2,457			3,303			3,285			(1	)%	4	%	6,715			6,588			(2	)%
Total	$	7,941		$	8,215		$	7,553		$	8,297		$	8,108		(2	)%	2	%	$	16,292		$	16,405		1	%
CVA/DVA {included as applicable in businesses above}	(30		)	17			64			73			144			97	%	NM		(31		)	217			NM
Total Revenues - Excluding CVA/DVA (2)	$	7,971		$	8,198		$	7,489		$	8,224		$	7,964		(3	)%	—		$	16,323		$	16,188		(1	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	90		$	107		$	140		$	197		$	189		(4	)%	NM		$	108		$	386		NM
Citi-Branded Cards	555			636			636			539			499			(7	)%	(10	)%	1,119			1,038			(7	)%
Citi Retail Services	429			440			361			404			379			(6	)%	(12	)%	865			783			(9	)%
Global Consumer Banking	1,074			1,183			1,137			1,140			1,067			(6	)%	(1	)%	2,092			2,207			5	%
Institutional Clients Group	1,096			920			655			1,015			978			(4	)%	(11	)%	2,401			1,993			(17	)%
Total	$	2,170		$	2,103		$	1,792		$	2,155		$	2,045		(5	)%	(6	)%	$	4,493		$	4,200		(7	)%
CVA/DVA {included as applicable in businesses above}	(18		)	10			39			47			90			91	%	NM		(19		)	137			NM
Income (loss) from Continuing Operations - Excluding CVA/DVA (2)	$	2,188		$	2,093		$	1,753		$	2,108		$	1,955		(7	)%	(11	)%	$	4,512		$	4,063		(10	)%

(1)Regional results do not include Corporate/Other.  See page 18 for Corporate/Other results.

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

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

19

CITICORP

EMEA (1)

(In millions of dollars, except as otherwise noted)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Net Interest Revenue	$	1,063		$	1,033		$	1,046		$	916		$	1,018		11	%	(4	)%	$	2,068		$	1,934		(6	)%
Non-Interest Revenue	1,674			1,516			1,252			2,089			1,779			(15	)%	6	%	3,737			3,868			4	%
Total Revenues, Net of Interest Expense	2,737			2,549			2,298			3,005			2,797			(7	)%	2	%	5,805			5,802			—
Total Operating Expenses	1,861			1,875			1,948			1,700			1,803			6	%	(3	)%	3,765			3,503			(7	)%
Net Credit Losses	22			23			15			12			30			NM		36	%	31			42			35	%
Credit Reserve Build / (Release)	(41		)	(84		)	35			(9		)	(62		)	NM		(51	)%	(85		)	(71		)	16	%
Provision Unfunded Lending Commitments	(4		)	(2		)	1			(1		)	(1		)	—		75	%	(8		)	(2		)	75	%
Provision for Benefits and Claims	—			—			—			—			—			—		—		—			—			—
Provisions for Credit Losses and for Benefits and Claims	(23		)	(63		)	51			2			(33		)	NM		(43	)%	(62		)	(31		)	50	%
Income from Continuing Operations before Taxes	899			737			299			1,303			1,027			(21	)%	14	%	2,102			2,330			11	%
Income Taxes	317			262			96			444			340			(23	)%	7	%	716			784			9	%
Income from Continuing Operations	582			475			203			859			687			(20	)%	18	%	1,386			1,546			12	%
Noncontrolling Interests	27			25			18			22			13			(41	)%	(52	)%	53			35			(34	)%
Net Income	$	555		$	450		$	185		$	837		$	674		(19	)%	21	%	$	1,333		$	1,511		13	%
Average Assets (in billions of dollars)	$	356		$	330		$	335		$	323		$	337		4	%	(5	)%	$	350		$	330		(6	)%
Return on Average Assets	0.63		%	0.54		%	0.22		%	1.05		%	0.80		%					0.77		%	0.92		%
Efficiency Ratio	68		%	74		%	85		%	57		%	64		%					65		%	60		%
Revenue by Business
Retail Banking	$	201		$	190		$	175		$	159		$	162		2	%	(19	)%	$	395		$	321		(19	)%
Citi-Branded Cards	106			107			85			83			92			11	%	(13	)%	209			175			(16	)%
Global Consumer Banking	307			297			260			242			254			5	%	(17	)%	604			496			(18	)%
Institutional Clients Group	2,430			2,252			2,038			2,763			2,543			(8	)%	5	%	5,201			5,306			2	%
Total	$	2,737		$	2,549		$	2,298		$	3,005		$	2,797		(7	)%	2	%	$	5,805		$	5,802		—
CVA/DVA {included as applicable in businesses above}	15			(277		)	(31		)	(106		)	130			NM		NM		34			24			(29	)%
Total Revenues - Excluding CVA/DVA (2)	$	2,722		$	2,826		$	2,329		$	3,111		$	2,667		(14	)%	(2	)%	$	5,771		$	5,778		—
Income (loss) from Continuing Operations by Business
Retail Banking	$	8		$	(7	)	$	(4	)	$	(7	)	$	(9	)	(29	)%	NM		$	4		$	(16	)	NM
Citi-Branded Cards	4			5			(16		)	9			12			33	%	NM		20			21			5	%
Global Consumer Banking	12			(2		)	(20		)	2			3			50	%	(75	)%	$	24		$	5		(79	)%
Institutional Clients Group	570			477			223			857			684			(20	)%	20	%	1,362			1,541			13	%
Total	$	582		$	475		$	203		$	859		$	687		(20	)%	18	%	$	1,386		$	1,546		12	%
CVA/DVA {included as applicable in businesses above}	9			(170		)	(19		)	(68		)	82			NM		NM		21			14			(33	)%
Income (loss) from Continuing Operations - Excluding CVA/DVA (2)	$	573		$	645		$	222		$	927		$	605		(35	)%	6	%	$	1,365		$	1,532		12	%

(1)Regional results do not include Corporate/Other.  See page 18 for Corporate/Other results.

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

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

20

CITICORP

LATIN AMERICA (1)

(In millions of dollars, except as otherwise noted)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Net Interest Revenue	$	2,128		$	2,182		$	2,170		$	1,943		$	1,987		2	%	(7	)%	$	4,225		$	3,930		(7	)%
Non-Interest Revenue	1,157			1,004			870			957			972			2	%	(16	)%	2,244			1,929			(14	)%
Total Revenues, Net of Interest Expense	3,285			3,186			3,040			2,900			2,959			2	%	(10	)%	6,469			5,859			(9	)%
Total Operating Expenses	1,736			1,765			1,733			1,506			1,630			8	%	(6	)%	3,396			3,136			(8	)%
Net Credit Losses	448			477			613			419			463			11	%	3	%	1,030			882			(14	)%
Credit Reserve Build / (Release)	168			70			(63		)	49			(111		)	NM		NM		221			(62		)	NM
Provision Unfunded Lending Commitments	1			(1		)	10			(10		)	(6		)	40	%	NM		—			(16		)	NM
Provision for Benefits and Claims	15			26			29			18			12			(33	)%	(20	)%	49			30			(39	)%
Provisions for Credit Losses and for Benefits and Claims	632			572			589			476			358			(25	)%	(43	)%	1,300			834			(36	)%
Income from Continuing Operations before Taxes	917			849			718			918			971			6	%	6	%	1,773			1,889			7	%
Income Taxes	215			226			182			261			276			6	%	28	%	440			537			22	%
Income from Continuing Operations	702			623			536			657			695			6	%	(1	)%	1,333			1,352			1	%
Noncontrolling Interests	2			2			—			—			2			NM		—		4			2			(50	)%
Net Income	$	700		$	621		$	536		$	657		$	693		5	%	(1	)%	$	1,329		$	1,350		2	%
Average Assets (in billions of dollars)	$	174		$	168		$	161		$	155		$	153		(1	)%	(12	)%	$	174		$	154		(11	)%
Return on Average Assets	1.61		%	1.47		%	1.32		%	1.72		%	1.82		%					1.55		%	1.77		%
Efficiency Ratio	53		%	55		%	57		%	52		%	55		%					52		%	54		%
Revenue by Business
Retail Banking	$	1,431		$	1,452		$	1,375		$	1,251		$	1,269		1	%	(11	)%	$	2,851		$	2,520		(12	)%
Citi-Branded Cards	705			720			694			584			579			(1	)%	(18	)%	1,368			1,163			(15	)%
Global Consumer Banking	2,136			2,172			2,069			1,835			1,848			1	%	(13	)%	$	4,219		$	3,683		(13	)%
Institutional Clients Group	1,149			1,014			971			1,065			1,111			4	%	(3	)%	2,250			2,176			(3	)%
Total	$	3,285		$	3,186		$	3,040		$	2,900		$	2,959		2	%	(10	)%	$	6,469		$	5,859		(9	)%
CVA/DVA {included as applicable in businesses above}	(9		)	(23		)	(11		)	(9		)	16			NM		NM		(11		)	7			NM
Total Revenues - Excluding CVA/DVA (2)	$	3,294		$	3,209		$	3,051		$	2,909		$	2,943		1	%	(11	)%	$	6,480		$	5,852		(10	)%
Income from Continuing Operations by Business
Retail Banking	$	206		$	189		$	141		$	154		$	143		(7	)%	(31	)%	$	410		$	297		(28	)%
Citi-Branded Cards	69			140			122			90			82			(9	)%	19	%	156			172			10	%
Global Consumer Banking	275			329			263			244			225			(8	)%	(18	)%	$	566		$	469		(17	)%
Institutional Clients Group	427			294			273			413			470			14	%	10	%	767			883			15	%
Total	$	702		$	623		$	536		$	657		$	695		6	%	(1	)%	$	1,333		$	1,352		1	%
CVA/DVA {included as applicable in businesses above}	(6		)	(14		)	(7		)	(6		)	10			NM		NM		(7		)	4			NM
Income (loss) from Continuing Operations - Excluding CVA/DVA (2)	$	708		$	637		$	543		$	663		$	685		3	%	(3	)%	$	1,340		$	1,348		1	%

(1) Regional results do not include Corporate/Other.  See page 18 for Corporate/Other results.

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

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

21

CITICORP

ASIA (1)

(In millions of dollars, except as otherwise noted)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Net Interest Revenue	$	1,947		$	2,000		$	1,861		$	1,764		$	1,809		3	%	(7	)%	$	3,808		$	3,573		(6	)%
Non-Interest Revenue	1,436			1,587			1,436			1,724			1,754			2	%	22	%	2,970			3,478			17	%
Total Revenues, Net of Interest Expense	3,383			3,587			3,297			3,488			3,563			2	%	5	%	6,778			7,051			4	%
Total Operating Expenses	2,227			1,934			1,915			1,857			1,883			1	%	(15	)%	4,133			3,740			(10	)%
Net Credit Losses	192			179			180			156			166			6	%	(14	)%	373			322			(14	)%
Credit Reserve Build / (Release)	(35		)	(57		)	(38		)	(54		)	(43		)	20	%	(23	)%	(26		)	(97		)	NM
Provision for Unfunded Lending Commitments	(6		)	(1		)	(4		)	2			(4		)	NM		33	%	(10		)	(2		)	80	%
Provision for Benefits and Claims	—			—			—			—			—			—		—		—			—			—
Provisions for Credit Losses and for Benefits and Claims	151			121			138			104			119			14	%	(21	)%	337			223			(34	)%
Income from Continuing Operations before Taxes	1,005			1,532			1,244			1,527			1,561			2	%	55	%	2,308			3,088			34	%
Income Taxes	330			496			410			509			523			3	%	58	%	769			1,032			34	%
Income from Continuing Operations	675			1,036			834			1,018			1,038			2	%	54	%	1,539			2,056			34	%
Noncontrolling Interests	1			1			1			(1		)	—			100	%	(100	)%	2			(1		)	NM
Net Income	$	674		$	1,035		$	833		$	1,019		$	1,038		2	%	54	%	$	1,537		$	2,057		34	%
Average Assets (in billions of dollars)	$	328		$	320		$	314		$	305		$	306		—		(7	)%	$	324		$	306		(6	)%
Return on Average Assets	0.82		%	1.28		%	1.05		%	1.35		%	1.36		%					0.96		%	1.36		%
Efficiency Ratio	66		%	54		%	58		%	53		%	53		%					61		%	53		%
Revenue by Business
Retail Banking	$	1,036		$	1,062		$	977		$	1,016		$	1,038		2	%	—		$	2,067		$	2,054		(1	)%
Citi-Branded Cards	678			674			626			575			586			2	%	(14	)%	1,321			1,161			(12	)%
Global Consumer Banking	1,714			1,736			1,603			1,591			1,624			2	%	(5	)%	3,388			3,215			(5	)%
Institutional Clients Group	1,669			1,851			1,694			1,897			1,939			2	%	16	%	3,390			3,836			13	%
Total	$	3,383		$	3,587		$	3,297		$	3,488		$	3,563		2	%	5	%	$	6,778		$	7,051		4	%
CVA/DVA {included as applicable in businesses above}	(8		)	(33		)	(10		)	(27		)	13			NM		NM		(31		)	(14		)	55	%
Total Revenues - Excluding CVA/DVA (2)	$	3,391		$	3,620		$	3,307		$	3,515		$	3,550		1	%	5	%	$	6,809		$	7,065		4	%
Income from Continuing Operations by Business
Retail Banking	$	53		$	247		$	191		$	230		$	232		1	%	NM		$	261		$	462		77	%
Citi-Branded Cards	149			137			117			109			103			(6	)%	(31	)%	294			212			(28	)%
Global Consumer Banking	202			384			308			339			335			(1	)%	66	%	555			674			21	%
Institutional Clients Group	473			652			526			679			703			4	%	49	%	984			1,382			40	%
Total	$	675		$	1,036		$	834		$	1,018		$	1,038		2	%	54	%	$	1,539		$	2,056		34	%
CVA/DVA {included as applicable in businesses above}	(5		)	(20		)	(6		)	(17		)	8			NM		NM		(20		)	(9		)	55	%
Income (loss) from Continuing Operations - Excluding CVA/DVA (2)	$	680		$	1,056		$	840		$	1,035		$	1,030		—		51	%	$	1,559		$	2,065		32	%

(1)  Regional results do not include Corporate/Other.  See page 18 for Corporate/Other results.

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

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

22

CITI HOLDINGS

INCOME STATEMENT AND BALANCE SHEET DATA

(In millions of dollars, except as otherwise noted)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Revenues
Net interest revenue	$	1,237		$	1,119		$	1,059		$	1,055		$	1,001		(5	)%	(19	)%	$	2,413		$	2,056		(15	)%
Non-interest revenue (1)	753			951			745			779			672			(14	)%	(11	)%	1,562			1,451			(7	)%
Total revenues, net of interest expense	1,990			2,070			1,804			1,834			1,673			(9	)%	(16	)%	3,975			3,507			(12	)%
Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses (1)	442			405			417			408			258			(37	)%	(42	)%	1,015			666			(34	)%
Credit Reserve Build / (Release) (2)	(212		)	(135		)	(214		)	(196		)	(170		)	13	%	20	%	(558		)	(366		)	34	%
Provision for loan losses	230			270			203			212			88			(58	)%	(62	)%	457			300			(34	)%
Provision for Benefits and Claims	156			167			167			169			160			(5	)%	3	%	323			329			2	%
Provision for unfunded lending commitments	(3		)	(3		)	—			(5		)	(1		)	80	%	67	%	(7		)	(6		)	14	%
Total provisions for credit losses and for benefits and claims	383			434			370			376			247			(34	)%	(36	)%	773			623			(19	)%
Total operating expenses (2)	5,022			1,346			1,303			1,157			1,104			(5	)%	(78	)%	7,040			2,261			(68	)%
Income (Loss) from Continuing Operations before Income Taxes	(3,415		)	290			131			301			322			7	%	NM		(3,838		)	623			NM
Provision (benefits) for income taxes	77			74			47			154			159			3	%	NM		(64		)	313			NM
Income (Loss) from Continuing Operations	(3,492		)	216			84			147			163			11	%	NM		(3,774		)	310			NM
Noncontrolling Interests	—			4			—			1			—			(100	)%	—		2			1			(50	)%
Citi Holding’s Net Income (Loss)	$	(3,492	)	$	212		$	84		$	146		$	163		12	%	NM		$	(3,776	)	$	309		NM
Average Assets (in billions of dollars)	$	148		$	143		$	132		$	125		$	118		(6	)%	(20	)%	$	150		$	122		(19	)%
Return on Average Assets	(9.46		)%	0.59		%	0.25		%	0.47		%	0.55		%					(5.08		)%	0.51		%
Efficiency Ratio	252		%	65		%	72		%	63		%	66		%					177		%	64		%
Balance Sheet Data (in billions):
Total EOP Assets	$	148		$	137		$	129		$	122		$	116		(5	)%	(22	)%	$	148		$	116		(22	)%
Total EOP Loans	$	90		$	85		$	79		$	62		$	59		(5	)%	(35	)%	$	90		$	59		(35	)%
Total EOP Deposits	$	52		$	45		$	17		$	12		$	8		(35	)%	(85	)%	$	52		$	8		(85	)%
Consumer Net Credit Losses as a % of Average Loans	1.88		%	1.91		%	1.86		%	2.20		%	1.57		%					2.12		%	1.92		%

(1)As a result of the entry into an agreement in March 2015 to sell OneMain Financial (OneMain), OneMain was classified as held-for-sale (HFS) at the end of the first quarter 2015.  As a result of HFS accounting treatment, approximately $160 million of net credit losses (NCLs) were recorded as contra revenue (Other revenue) during the second quarter of 2015.

(2)The second quarter of 2014 results include the impact of a $3.8 billion charge ($3.7 billion after-tax) to settle claims related to legacy residential mortgage-backed securities (RMBS) and collateralized debt obligations (CDOs) issued, structured or underwritten by Citigroup between 2003 and 2008. The charge consisted of $3.7 billion in legal expenses and a $55 million loan loss reserve build. For additional information, please see Citigroup’s Form 8-K filed with the U.S. Securities and Exchange Commission on July 14, 2014.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

23

CITI HOLDINGS

CONSUMER KEY INDICATORS - Page 1

(In millions of dollars, except as otherwise noted)

																2Q15 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2014			2014			2014			2015			2015			1Q15		2Q14
CITI HOLDINGS KEY INDICATORS:
Consumer - International (1) (2)
Branches (actual)	226			157			153			122			105			(14	)%	(54	)%
Average Loans (in billions)	$	12.8		$	12.7		$	8.8		$	7.4		$	4.5		(39	)%	(65	)%
EOP Loans:
Real Estate Lending	$	3.6		$	2.6		$	2.4		$	0.9		$	0.8		(11	)%	(78	)%
Cards	3.8			3.7			3.6			2.1			1.8			(14	)%	(53	)%
Commercial Markets	0.8			0.8			0.8			0.7			0.5			(29	)%	(38	)%
Personal and Other	2.3			2.0			1.2			1.2			1.1			(8	)%	(52	)%
EOP Loans (in billions of dollars)	$	10.5		$	9.1		$	8.0		$	4.9		$	4.2		(14	)%	(60	)%
Net Interest Revenue	$	333		$	246		$	195		$	230		$	216		(6	)%	(35	)%
As a % of Average Loans	10.43		%	7.68		%	8.79		%	12.61		%	17.92		%
Net Credit Losses	$	83		$	64		$	28		$	51		$	41		(20	)%	(51	)%
As a % of Average Loans	2.60		%	2.00		%	1.26		%	2.80		%	3.65		%
Loans 90+ Days Past Due	$	238		$	111		$	110		$	91		$	78		(14	)%	(67	)%
As a % of EOP Loans	2.27		%	1.22		%	1.38		%	1.86		%	1.86		%
Loans 30-89 Days Past Due	$	330		$	178		$	168		$	142		$	119		(16	)%	(64	)%
As a % of EOP Loans	3.14		%	1.96		%	2.10		%	2.90		%	2.83		%
Consumer - North America (3)
Branches (actual)	1,458			1,455			1,424			278			273			(2	)%	(81	)%
Average Loans (in billions of dollars)	$	80.8		$	77.1		$	73.9		$	68.9		$	55.4		(20	)%	(31	)%
EOP Loans (in billions of dollars)	$	78.5		$	74.9		$	70.8		$	56.6		$	54.2		(4	)%	(31	)%
Net Interest Revenue	$	859		$	860		$	860		$	823		$	775		(6	)%	(10	)%
As a % of Average Loans	4.26		%	4.43		%	4.62		%	4.84		%	1.99		%
Net Credit Losses	$	356		$	369		$	359		$	363		$	193		(47	)%	(46	)%
As a % of Average Loans	1.77		%	1.90		%	1.93		%	2.14		%	1.40		%
Loans 90+ Days Past Due	$	2,470		$	2,093		$	1,963		$	1,607		$	1,462		(9	)%	(41	)%
As a % of EOP Loans	3.37		%	2.99		%	2.94		%	2.97		%	2.84		%
Loans 30-89 Days Past Due	$	2,174		$	1,978		$	1,663		$	1,197		$	1,153		(4	)%	(47	)%
As a % of EOP Loans	2.97		%	2.83		%	2.49		%	2.21		%	2.24		%

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

(2)The first and second quarters of 2015 reflect the transfers of loans and branches to held-for-sale (HFS) as a result of the agreement in December 2014 to sell the Japan retail banking business (Japan Retail).   The first and second quarter of 2015 reflect the transfers of loans to HFS as a result of the agreement in March 2015 to sell the Japan cards business (Japan Cards). The second quarter of 2015 reflects the HFS reclassification of interest revenue on loans to other interest earning assets.

(3)The first and second quarters of 2015 reflect the transfers of loans and branches to HFS resulting from the agreement to sell OneMain. As a result of HFS accounting treatment, approximately $160 million of net credit losses (NCLs) were recorded as contra revenue (Other revenue) during the second quarter of 2015. The second quarter of 2015 reflects the HFS reclassification of interest revenue on loans to other interest earning assets.

Reclassified to conform to the current period’s presentation.

24

CITI HOLDINGS

CONSUMER KEY INDICATORS - Page 2

(In millions of dollars, except as otherwise noted)

																2Q15 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2014			2014			2014			2015			2015			1Q15		2Q14
CITI HOLDINGS KEY INDICATORS:
North America Mortgages
CMI (CitiMortgage)	$	33.3		$	30.9		$	29.1		$	25.9		$	22.4		(14	)%	(33	)%
CFNA (CitiFinancial - North America)	8.6			8.3			7.9			7.3			6.8			(7	)%	(21	)%
Residential First	41.9			39.2			37.0			33.2			29.2			(12	)%	(30	)%
Home Equity	27.4			26.4			25.3			24.4			23.3			(5	)%	(15	)%
Average Loans (in billions of dollars)	$	69.3		$	65.6		$	62.3		$	57.6		$	52.5		(9	)%	(24	)%
CMI	$	31.6		$	29.4		$	26.9		$	22.8		$	22.1		(3	)%	(30	)%
CFNA	8.4			8.1			7.5			7.0			6.5			(7	)%	(23	)%
Residential First	40.0			37.5			34.4			29.8			28.6			(4	)%	(29	)%
Home Equity	26.9			25.9			24.9			23.8			22.7			(5	)%	(16	)%
EOP Loans (in billions of dollars)	$	66.9		$	63.4		$	59.3		$	53.6		$	51.3		(4	)%	(23	)%
Third Party Mortgage Serv. Portfolio (EOP, in billions)	$	69.9		$	56.0		$	47.4		$	43.4		$	39.2		(10	)%	(44	)%
Net Servicing & Gain/(Loss) on Sale	$	34.6		$	81.5		$	96.8		$	96.2		$	61.3		(36	)%	77	%
Net Interest Revenue on Loans	$	333		$	311		$	305		$	272		$	290		7	%	(13	)%
As a % of Avg. Loans	1.93		%	1.88		%	1.94		%	1.92		%	2.22		%
CMI (1)	$	1		$	54		$	26		$	22		$	21		(5	)%	NM
CFNA	90			83			91			81			80			(1	)%	(11	)%
Residential First	$	91		$	137		$	117		$	103		$	101		(2	)%	11	%
Home Equity	114			98			87			81			70			(14	)%	(39	)%
Net Credit Losses (NCLs)	$	205		$	235		$	204		$	184		$	171		(7	)%	(17	)%
As a % of Avg. Loans	1.19		%	1.42		%	1.30		%	1.30		%	1.31		%
CMI	$	1,197		$	802		$	642		$	589		$	510		(13	)%	(57	)%
CFNA	546			543			543			500			463			(7	)%	(15	)%
Residential First	1,743			1,345			1,185			1,089			973			(11	)%	(44	)%
Home Equity	517			503			500			484			458			(5	)%	(11	)%
Loans 90+ Days Past Due (2) (3)	$	2,260		$	1,848		$	1,685		$	1,573		$	1,431		(9	)%	(37	)%
As a % of EOP Loans	3.66		%	3.16		%	3.05		%	3.08		%	2.94		%
CMI	$	1,340		$	1,125		$	831		$	654		$	609		(7	)%	(55	)%
CFNA	302			300			292			225			221			(2	)%	(27	)%
Residential First	1,642			1,425			1,123			879			830			(6	)%	(49	)%
Home Equity	336			334			324			269			275			2	%	(18	)%
Loans 30-89 Days Past Due (2) (3)	$	1,978		$	1,759		$	1,447		$	1,148		$	1,105		(4	)%	(44	)%
As a % of EOP Loans	3.21		%	3.01		%	2.62		%	2.25		%	2.27		%
North America Personal Loans (4)
Average Loans (in billions of dollars)	$	9.1		$	9.2		$	9.3		$	9.1		$	0.8		(91	)%	(91	)%
EOP Loans (in billions of dollars)	$	9.2		$	9.3		$	9.4		$	0.8		$	0.9		13	%	(90	)%
Net Interest Revenue on Loans	$	516		$	531		$	532		$	500		$	507		1	%	(2	)%
As a % of Avg. Loans	22.74		%	22.90		%	22.70		%	22.28		%	3.51		%
Net Credit Losses	$	143		$	129		$	154		$	174		$	17		(90	)%	(88	)%
As a % of Avg. Loans	6.30		%	5.56		%	6.57		%	7.75		%	8.52		%
Loans 90+ Days Past Due	$	194		$	227		$	264		$	21		$	20		(5	)%	(90	)%
As a % of EOP Loans	2.11		%	2.44		%	2.81		%	2.63		%	2.22		%
Loans 30-89 Days Past Due	$	155		$	178		$	180		$	16		$	17		6	%	(89	)%
As a % of EOP Loans	1.68		%	1.91		%	1.91		%	2.00		%	1.89		%

(1)The second quarter of 2014 NCLs for CMI Residential First Mortgages includes a $58 million recovery.

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

The amounts excluded for Loans 90+Days Past Due and (EOP Loans) for each period were $2.8 billion and ($5.2 billion), $2.6 billion and ($5.0 billion), $2.2 billion and ($4.0 billion), $1.8 billion and ($2.5 billion) and $1.7 billion and ($2.7 billion), as of June 30, 2014, September 30, 2014, December 31, 2014, March 31, 2015 and June 30, 2015, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) for each period were $0.7 billion and ($5.2 billion), $0.7 billion and ($5.0 billion), $0.5 billion and ($4.0 billion), $0.2 billion and ($2.5 billion) and $0.3 billion and ($2.7 billion), as of June 30, 2014, September 30, 2014, December 31, 2014, March 31, 2015 and June 30, 2015, respectively.

(3)The June 30, 2014, September 30, 2014, December 31, 2014, March 31, 2015 and June 30, 2015 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude $17 million, $15 million, $14 million, $12 million and $12 million, respectively, of loans that are carried at fair value.

(4)See footnote 3 on page 24.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

25

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

Taxable Equivalent Basis

	Average Volumes						Interest						% Average Rate (4)
	Second		First		Second		Second		First		Second		Second		First		Second
	Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter
In millions of dollars, except as otherwise noted	2014		2015		2015 (5)		2014		2015		2015 (5)		2014		2015		2015 (5)
Assets:
Deposits with Banks	$	160,555	$	139,173	$	136,016	$	250	$	183	$	168	0.62	%	0.53	%	0.50	%
Fed Funds Sold and Resale Agreements (6)	265,423		241,179		236,035		592		642		669		0.89	%	1.08	%	1.14	%
Trading Account Assets (7)	234,219		228,259		228,037		1,487		1,434		1,656		2.55	%	2.55	%	2.91	%
Investments	323,269		336,339		333,031		1,889		1,792		1,832		2.34	%	2.16	%	2.21	%
Total Loans (net of Unearned Income) (8)	665,071		634,865		627,026		11,367		10,563		10,013		6.86	%	6.75	%	6.41	%
Other Interest-Earning Assets	39,088		45,501		62,648		97		110		662		1.00	%	0.98	%	4.24	%
Total Average Interest-Earning Assets	$	1,687,625	$	1,625,316	$	1,622,793	$	15,682	$	14,724	$	15,000	3.73	%	3.67	%	3.71	%
Liabilities:
Deposits (excluding deposit insurance and FDIC Assessment)	$	756,602	$	698,396	$	700,978	$	1,218	$	1,030	$	999	0.65	%	0.60	%	0.57	%
Deposit Insurance and FDIC Assessment	—		—		—		251		296		289
Total Deposits	756,602		698,396		700,978		1,469		1,326		1,288		0.78	%	0.77	%	0.74	%
Fed Funds Purchased and Repurchase Agreements (6)	193,302		177,114		183,292		537		376		443		1.11	%	0.86	%	0.97	%
Trading Account Liabilities (7)	82,330		73,199		71,430		48		47		54		0.23	%	0.26	%	0.30	%
Short-Term Borrowings	115,160		129,138		114,279		162		119		157		0.56	%	0.37	%	0.55	%
Long-Term Debt (9)	204,068		198,562		187,910		1,399		1,160		1,109		2.75	%	2.37	%	2.37	%
Total Average Interest-Bearing Liabilities	$	1,351,462	$	1,276,409	$	1,257,889	$	3,615	$	3,028	$	3,051	1.07	%	0.96	%	0.97	%
Total Average Interest-Bearing Liabilities (excluding deposit insurance and FDIC Assessment)	$	1,351,462	$	1,276,409	$	1,257,889	$	3,364	$	2,732	$	2,762	1.00	%	0.87	%	0.88	%
Net Interest Revenue as a % of Average Interest-Earning Assets (NIM)							$	12,067	$	11,696	$	11,949	2.87	%	2.92	%	2.95	%
NIR as a % of Average Interest-Earning Assets (NIM) (excluding deposit insurance and FDIC Assessment)							$	12,318	$	11,992	$	12,238	2.93	%	2.99	%	3.02	%
2Q15 Increase (Decrease) From													8	bps	3	bps
2Q15 Increase (Decrease) (excluding deposit insurance and FDIC Assessment) From													9	bps	3	bps

(1)Interest Revenue includes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $121 million for the second quarter of 2014, $124 million for the first quarter of 2015 and $121 million for the second quarter of 2015.

(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.

26

DEPOSITS

(In billions of dollars)

														2Q15 Increase
	2Q			3Q			4Q			1Q		2Q		(Decrease) from
	2014			2014			2014			2015		2015		1Q15		2Q14
Citicorp Deposits by Business
Global Consumer Banking
North America	$	170.6		$	171.7		$	171.4		$	172.6	$	173.5	1	%	2	%
Latin America	46.3			44.0			43.7			42.0		42.1		—		(9	)%
Asia (1)	93.1			90.5			89.2			89.7		89.6		—		(4	)%
Total	$	310.0		$	306.2		$	304.3		$	304.3	$	305.2	—		(2	)%
ICG
North America	$	176.1		$	176.6		$	193.1		$	196.1	$	198.1	1	%	12	%
EMEA	186.4			179.6			164.5			167.2		177.4		6	%	(5	)%
Latin America	64.6			62.3			56.3			60.2		63.0		5	%	(2	)%
Asia	144.8			144.4			141.5			147.6		149.6		1	%	3	%
Total	$	571.9		$	562.9		$	555.4		$	571.1	$	588.1	3	%	3	%
Corporate/Other	$	31.4		$	29.0		$	22.8		$	12.3	$	7.0	(43	)%	(78	)%
Total Citicorp	$	913.3		$	898.1		$	882.5		$	887.7	$	900.3	1	%	(1	)%
Total Citi Holdings (2)	$	52.4		$	44.6		$	16.8		$	11.9	$	7.7	(35	)%	(85	)%
Total Citigroup Deposits - EOP	$	965.7		$	942.7		$	899.3		$	899.6	$	908.0	1	%	(6	)%
Total Citigroup Deposits - Average	$	959.5		$	954.2		$	938.7		$	899.5	$	906.4	1	%	(6	)%
FX Translation Impact:
Total Citigroup EOP Deposits - as Reported	$	965.7		$	942.7		$	899.3		$	899.6	$	908.0	1	%	(6	)%
Impact of FX Translation (3)	(44.6		)	(27.9		)	(11.9		)	2.1		—
Total Citigroup EOP Deposits - Ex-FX (4)	$	921.1		$	914.8		$	887.4		$	901.7	$	908.0	1	%	(1	)%

(1)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

(2)See footnote 4 on page 1.

(3)Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2015 average exchange rates for all periods presented.

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

Reclassified to conform to the current period’s presentation.

27

EOP LOANS (1) - Page 1

CITICORP

(In billions of dollars)

														2Q15 Increase
	2Q			3Q			4Q			1Q		2Q		(Decrease) from
	2014			2014			2014			2015		2015		1Q15		2Q14
Citicorp:
Global Consumer Banking
North America
Credit Cards	$	110.4		$	109.5		$	114.0		$	105.9	$	107.7	2	%	(2	)%
Retail Banking	46.2			47.5			46.8			47.8		48.8		2	%	6	%
Total	$	156.6		$	157.0		$	160.8		$	153.7	$	156.5	2	%	—
Latin America
Credit Cards	$	10.1		$	9.8		$	9.3		$	8.5	$	8.3	(2	)%	(18	)%
Retail Banking	29.2			28.2			26.2			25.6		25.7		—		(12	)%
Total	$	39.3		$	38.0		$	35.5		$	34.1	$	34.0	—		(13	)%
Asia (1)
Credit Cards	$	19.6		$	18.8		$	18.6		$	17.8	$	18.1	2	%	(8	)%
Retail Banking	79.5			78.2			76.2			74.5		75.3		1	%	(5	)%
Total	$	99.1		$	97.0		$	94.8		$	92.3	$	93.4	1	%	(6	)%
Total Consumer Loans
Credit Cards	$	140.1		$	138.1		$	141.9		$	132.2	$	134.1	1	%	(4	)%
Retail Banking	154.9			153.9			149.2			147.9		149.8		1	%	(3	)%
Total Consumer	$	295.0		$	292.0		$	291.1		$	280.1	$	283.9	1	%	(4	)%
Total Corporate Loans
North America	$	108.9		$	114.5		$	117.7		$	120.1	$	127.3	6	%	17	%
EMEA	61.0			57.1			55.9			58.3		60.1		3	%	(1	)%
Latin America	41.0			38.8			37.9			38.1		39.4		3	%	(4	)%
Asia	71.7			66.6			62.8			62.6		62.7		—		(13	)%
Total Corporate Loans	$	282.6		$	277.0		$	274.3		$	279.1	$	289.5	4	%	2	%
Total Citicorp	$	577.6		$	569.0		$	565.4		$	559.2	$	573.4	3	%	(1	)%
FX Translation Impact:
Total Citicorp EOP Loans - as Reported	$	577.6		$	569.0		$	565.4		$	559.2	$	573.4	3	%	(1	)%
Impact of FX Translation (2)	(24.9		)	(16.7		)	(7.3		)	0.1		—
Total Citicorp EOP Loans - Ex-FX (3)	$	552.7		$	552.3		$	558.1		$	559.3	$	573.4	3	%	4	%

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

(1)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

(2)Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2015 average exchange rates for all periods presented.

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

Reclassified to conform to the current period’s presentation.

28

EOP LOANS - Page 2

CITI HOLDINGS AND TOTAL CITIGROUP

(In billions of dollars)

														2Q15 Increase
	2Q			3Q			4Q			1Q		2Q		(Decrease) from
	2014			2014			2014			2015		2015		1Q15		2Q14
Citi Holdings:
Consumer - North America
Mortgages	66.9			63.4			59.3			53.6		51.3		(4	)%	(23	)%
Personal Loans	9.2			9.3			9.4			0.8		0.9		13	%	(90	)%
Other	2.4			2.2			2.1			2.2		2.0		(9	)%	(17	)%
Total	$	78.5		$	74.9		$	70.8		$	56.6	$	54.2	(4	)%	(31	)%
Consumer - International
Credit Cards	$	3.8		$	3.7		$	3.6		$	2.1	$	1.8	(14	)%	(53	)%
REL, Personal & Other	6.7			5.4			4.4			2.8		2.4		(14	)%	(64	)%
Total	$	10.5		$	9.1		$	8.0		$	4.9	$	4.2	(14	)%	(60	)%
Citi Holdings - Other	0.9			0.8			0.4			0.4		0.3		(25	)%	(67	)%
Total Citi Holdings	$	89.9		$	84.8		$	79.2		$	61.9	$	58.7	(5	)%	(35	)%
Total Citigroup	$	667.5		$	653.8		$	644.6		$	621.1	$	632.1	2	%	(5	)%
Consumer Loans	$	384.3		$	376.3		$	370.0		$	341.7	$	342.3	—		(11	)%
Corporate Loans	283.2			277.5			274.6			279.3		289.8		4	%	2	%
Total Citigroup	$	667.5		$	653.8		$	644.6		$	621.0	$	632.1	2	%	(5	)%
FX Translation Impact:
Total Citigroup EOP Loans - as Reported	$	667.5		$	653.8		$	644.6		$	621.0	$	632.1	2	%	(5	)%
Impact of FX Translation (1)	(26.8		)	(17.4		)	(7.4		)	0.2		—
Total Citigroup EOP Loans - Ex-FX (2)	$	640.7		$	636.4		$	637.2		$	621.2	$	632.1	2	%	(1	)%

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

(1)Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2015 average exchange rates for all periods presented.

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

Reclassified to conform to the current period’s presentation.

29

SUPPLEMENTAL DETAIL

CONSUMER LOANS 90+DAYS DELINQUENCY AMOUNTS AND RATIOS

BUSINESS VIEW

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

	Loans 90+ Days Past Due(1)															EOP Loans
	2Q			3Q			4Q			1Q			2Q			2Q
	2014			2014			2014			2015			2015			2015
Citicorp (2)
Total	$	2,704		$	2,654		$	2,566		$	2,245		$	2,134		$	283.9
Ratio	0.92		%	0.91		%	0.88		%	0.80		%	0.75		%
Retail Bank (2)
Total	$	989		$	964		$	816		$	617		$	636		$	149.8
Ratio	0.64		%	0.63		%	0.55		%	0.42		%	0.43		%
North America (2)	$	227		$	229		$	225		$	123		$	150		$	48.8
Ratio	0.50		%	0.49		%	0.49		%	0.26		%	0.31		%
Latin America (3)	$	540		$	515		$	397		$	306		$	296		$	25.7
Ratio (3)	1.85		%	1.83		%	1.52		%	1.20		%	1.15		%
Asia (4)	$	222		$	220		$	194		$	188		$	190		$	75.3
Ratio	0.28		%	0.28		%	0.25		%	0.25		%	0.25		%
Cards
Total	$	1,715		$	1,690		$	1,750		$	1,628		$	1,498		$	134.1
Ratio	1.22		%	1.22		%	1.23		%	1.23		%	1.12		%
North America - Citi-Branded	$	583		$	559		$	593		$	569		$	495		$	64.5
Ratio	0.87		%	0.84		%	0.88		%	0.90		%	0.77		%
North America - Retail Services	$	606		$	630		$	678		$	629		$	567		$	43.2
Ratio	1.41		%	1.47		%	1.46		%	1.48		%	1.31		%
Latin America	$	303		$	294		$	284		$	240		$	245		$	8.3
Ratio	3.00		%	3.00		%	3.05		%	2.82		%	2.95		%
Asia (4)	$	223		$	207		$	195		$	190		$	191		$	18.1
Ratio	1.14		%	1.10		%	1.05		%	1.07		%	1.06		%
Citi Holdings - Consumer (2) (5)	$	2,708		$	2,204		$	2,073		$	1,698		$	1,540		$	58.4
Ratio	3.23		%	2.79		%	2.77		%	2.88		%	2.76		%
International	$	238		$	111		$	110		$	91		$	78		$	4.2
Ratio	2.27		%	1.22		%	1.38		%	1.86		%	1.86		%
North America (2) (5)	$	2,470		$	2,093		$	1,963		$	1,607		$	1,462		$	54.2
Ratio	3.37		%	2.99		%	2.94		%	2.97		%	2.84		%
Other																$	—
Total Citigroup (2) (5)	$	5,412		$	4,858		$	4,639		$	3,943		$	3,674		$	342.3
Ratio	1.43		%	1.31		%	1.27		%	1.17		%	1.08		%

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

(2)The 90+ Days Past Due and related ratios for North America Consumer Banking and Citi Holdings North America Mortgages excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies. See footnote 1 on page 10 and footnote 2 on page 25.

(3)See footnote 3 on page 8.

(4)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

(5)The June 30, 2014, September 30, 2014, December 31, 2014, March 31, 2015 and June 30, 2015 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude $17 million, $15 million, $14 million, $12 million and $12 million, respectively, of loans that are carried at fair value.

Reclassified to conform to the current period’s presentation.

30

SUPPLEMENTAL DETAIL

CONSUMER LOANS 30-89 DAYS DELINQUENCY AMOUNTS AND RATIOS

BUSINESS VIEW

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

	Loans 30-89 Days Past Due(1)															EOP Loans
	2Q			3Q			4Q			1Q			2Q			2Q
	2014			2014			2014			2015			2015			2015
Citicorp (2)
Total	$	2,815		$	2,806		$	2,688		$	2,511		$	2,387		$	283.9
Ratio	0.96		%	0.96		%	0.93		%	0.90		%	0.84		%
Retail Bank (2)
Total	$	965		$	912		$	854		$	845		$	797		$	149.8
Ratio	0.63		%	0.60		%	0.58		%	0.58		%	0.53		%
North America (2)	$	203		$	213		$	212		$	203		$	176		$	48.8
Ratio	0.45		%	0.46		%	0.46		%	0.43		%	0.37		%
Latin America	$	344		$	302		$	290		$	282		$	266		$	25.7
Ratio	1.18		%	1.07		%	1.11		%	1.10		%	1.04		%
Asia (3)	$	418		$	397		$	352		$	360		$	355		$	75.3
Ratio	0.53		%	0.51		%	0.46		%	0.48		%	0.47		%
Cards
Total	$	1,850		$	1,894		$	1,834		$	1,666		$	1,590		$	134.1
Ratio	1.32		%	1.37		%	1.29		%	1.26		%	1.19		%
North America - Citi-Branded	$	540		$	566		$	568		$	497		$	462		$	64.5
Ratio	0.80		%	0.85		%	0.84		%	0.78		%	0.72		%
North America - Retail Services	$	683		$	729		$	748		$	673		$	652		$	43.2
Ratio	1.58		%	1.70		%	1.61		%	1.59		%	1.51		%
Latin America	$	326		$	322		$	262		$	247		$	229		$	8.3
Ratio	3.23		%	3.29		%	2.82		%	2.91		%	2.76		%
Asia (3)	$	301		$	277		$	256		$	249		$	247		$	18.1
Ratio	1.54		%	1.47		%	1.38		%	1.40		%	1.36		%
Citi Holdings - Consumer (2) (4)	$	2,504		$	2,156		$	1,831		$	1,339		$	1,272		$	58.4
Ratio	2.99		%	2.73		%	2.45		%	2.27		%	2.28		%
International	$	330		$	178		$	168		$	142		$	119		$	4.2
Ratio	3.14		%	1.96		%	2.10		%	2.90		%	2.83		%
North America (2) (4)	$	2,174		$	1,978		$	1,663		$	1,197		$	1,153		$	54.2
Ratio	2.97		%	2.83		%	2.49		%	2.21		%	2.24		%
Other																$	—
Total Citigroup (2) (4)	$	5,319		$	4,962		$	4,519		$	3,850		$	3,659		$	342.3
Ratio	1.41		%	1.34		%	1.24		%	1.14		%	1.08		%

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

(2)The 30-89 Days Past Due and related ratios for North America Consumer Banking and North America Local Consumer Lending excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies. See footnote 1 on page 10 and footnote 2 on page 25.

(3)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

(4)The June 30, 2014, September 30, 2014, December 31, 2014, March 31, 2015 and June 30, 2015 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude $17 million, $15 million, $14 million, $12 million and $12 million, respectively, of loans that are carried at fair value.

Reclassified to conform to the current period’s presentation.

31

ALLOWANCE FOR CREDIT LOSSES - PAGE 1

TOTAL CITIGROUP

(In millions of dollars)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Total Citigroup
Allowance for Loan Losses at Beginning of Period (1)	$	18,923		$	17,890		$	16,915		$	15,994		$	14,598						$	19,648		$	15,994
Gross Credit (Losses)	(2,812		)	(2,586		)	(2,727		)	(2,458		)	(2,335		)	5	%	17	%	(5,795		)	(4,793		)	17	%
Gross Recoveries	623			489			479			501			415			(17	)%	(33	)%	1,167			916			(22	)%
Net Credit (Losses) / Recoveries (NCLs)	(2,189		)	(2,097		)	(2,248		)	(1,957		)	(1,920		)	2	%	12	%	(4,628		)	(3,877		)	16	%
NCLs	2,189			2,097			2,248			1,957			1,920			(2	)%	(12	)%	4,628			3,877			(16	)%
Net Reserve Builds / (Releases)	(521		)	(492		)	(306		)	(91		)	(199		)	NM		62	%	(1,081		)	(290		)	73	%
Net Specific Reserve Builds / (Releases)	(89		)	(30		)	(61		)	(111		)	(206		)	(86	)%	NM		(175		)	(317		)	(81	)%
Provision for Loan Losses	1,579			1,575			1,881			1,755			1,515			(14	)%	(4	)%	3,372			3,270			(3	)%
Other (2) (3) (4) (5) (6) (7)	(423		)	(453		)	(554		)	(1,194		)	(118		)	90	%	72	%	(502		)	(1,312		)
Allowance for Loan Losses at End of Period (1) (a)	$	17,890		$	16,915		$	15,994		$	14,598		$	14,075						$	17,890		$	14,075
Allowance for Unfunded Lending Commitments (8) (a)	$	1,176		$	1,140		$	1,063		$	1,023		$	973						$	1,176		$	973
Provision for Unfunded Lending Commitments	$	(31	)	$	(30	)	$	(74	)	$	(37	)	$	(48	)					$	(58	)	$	(85	)
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	19,066		$	18,055		$	17,057		$	15,621		$	15,048						$	19,066		$	15,048
Total Allowance for Loan Losses as a Percentage of Total Loans (9)	2.70		%	2.60		%	2.50		%	2.38		%	2.25		%
Allowance for Loan Losses at End of Period (1):
Citicorp	$	12,139		$	11,582		$	11,142		$	10,976		$	10,672
Citi Holdings	5,751			5,333			4,852			3,622			3,403
Total Citigroup	$	17,890		$	16,915		$	15,994		$	14,598		$	14,075

(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)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.

(3)The second quarter of 2014 includes a reduction of approximately $480 million related to the sale or transfers to held-for-sale (HFS) of various loan portfolios, including a reduction of approximately $204 million, $177 million and $29 million related to the transfers to HFS of businesses in Greece, Spain and Honduras, and $66 million related to a transfer of a real estate loan portfolio to HFS.  These amounts are partially offset by foreign currency translation on the entire allowance balance.

(4)The third quarter of 2014 includes a reduction of approximately $259 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $151 million related to a transfer of a real estate loan portfolio to HFS and a reduction of approximately $108 million related to the transfer of various EMEA loan portfolios to HFS.  Additionally, the third quarter includes a reduction of approximately $181 million related to foreign currency translation.

(5)The fourth quarter of 2014 includes a reduction of approximately $250 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $194 million related to a transfer of a real estate loan portfolio to HFS.  Additionally, the fourth quarter includes a reduction of approximately $282 million related to foreign currency translation.

(6)The first quarter of 2015 includes a reduction of approximately $1,032 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $281 million related to a transfer of a real estate loan portfolio to HFS.  Additionally, the first quarter includes a reduction of approximately $145 million related to foreign currency translation.

(7)The second quarter of 2015 includes a reduction of approximately $88 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $34 million related to a transfer of a real estate loan portfolio to HFS.  Additionally, the second quarter includes a reduction of approximately $39 million related to foreign currency translation.

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

(9)June 30, 2014, September 30, 2014, December 31, 2014, March 31, 2015 and June 30, 2015 exclude $4.8 billion, $4.4 billion, $5.9 billion, $6.6 billion and $6.5 billion, respectively, of loans which are carried at fair value.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

32

ALLOWANCE FOR CREDIT LOSSES - PAGE 2

TOTAL CITIGROUP

(In millions of dollars)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Total Citigroup Consumer Loans
Allowance for Loan Losses at Beginning of Period (1)	$	16,451		$	15,520		$	14,575		$	13,605		$	12,122						$	17,064		$	13,605
Net Credit Losses (NCLs)	(2,178		)	(2,115		)	(2,098		)	(1,966		)	(1,814		)	8	%	17	%	(4,472		)	(3,780		)	15	%
NCLs	2,178			2,115			2,098			1,966			1,814			(8	)%	(17	)%	4,472			3,780			(15	)%
Net Reserve Builds / (Releases)	(495		)	(393		)	(399		)	(191		)	(158		)	17	%	68	%	(954		)	(349		)	63	%
Net Specific Reserve Builds / (Releases)	(14		)	(117		)	(39		)	(114		)	(87		)	24	%	NM		(90		)	(201		)	NM
Provision for Loan Losses	1,669			1,605			1,660			1,661			1,569			(6	)%	(6	)%	3,428			3,230			(6	)%
Other (2) (3) (4) (5) (6) (7)	(422		)	(435		)	(532		)	(1,178		)	(128		)	89	%	70	%	(500		)	(1,306		)	NM
Allowance for Loan Losses at End of Period (1) (a)	$	15,520		$	14,575		$	13,605		$	12,122		$	11,749						$	15,520		$	11,749
Consumer Allowance for Unfunded Lending Commitments (8) (a)	$	64		$	55		$	36		$	32		$	31						$	64		$	31
Provision for Unfunded Lending Commitments	$	(3	)	$	(2	)	$	(15	)	$	(4	)	$	(1	)					$	(5	)	$	(5	)
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	15,584		$	14,630		$	13,641		$	12,154		$	11,780						$	15,584		$	11,780
Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans (9)	4.04		%	3.87		%	3.68		%	3.55		%	3.43		%
Total Citigroup Corporate Loans
Allowance for Loan Losses at Beginning of Period (1)	$	2,472		$	2,370		$	2,340		$	2,389		$	2,476						$	2,584		$	2,389
Net Credit (Losses) / Recoveries (NCL’s)	(11		)	18			(150		)	9			(106		)	NM		NM		(156		)	(97		)	38	%
NCLs	11			(18		)	150			(9		)	106			NM		NM		156			97			(38	)%
Net Reserve Builds / (Releases)	(26		)	(99		)	93			100			(41		)	NM		(58	)%	(127		)	59			NM
Net Specific Reserve Builds / (Releases)	(75		)	87			(22		)	3			(119		)	NM		(59	)%	(85		)	(116		)	(36	)%
Provision for Loan Losses	(90		)	(30		)	221			94			(54		)	NM		40	%	(56		)	40			NM
Other (2)	(1		)	(18		)	(22		)	(16		)	10							(2		)	(6		)
Allowance for Loan Losses at End of Period (1) (b)	$	2,370		$	2,340		$	2,389		$	2,476		$	2,326						$	2,370		$	2,326
Corporate Allowance for Unfunded Lending Commitments (8) (b)	$	1,112		$	1,085		$	1,027		$	991		$	942						$	1,112		$	942
Provision for Unfunded Lending Commitments	$	(28	)	$	(28	)	$	(59	)	$	(33	)	$	(47	)					$	(53	)	$	(80	)
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (b)]	$	3,482		$	3,425		$	3,416		$	3,467		$	3,268						$	3,482		$	3,268
Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans (10)	0.85		%	0.86		%	0.89		%	0.91		%	0.82		%

Footnotes to these tables are on the following page (page 34).

33

ALLOWANCE FOR CREDIT LOSSES - PAGE 3

TOTAL CITIGROUP

The following footnotes relate to the tables on the prior page (page 33).

(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)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.

(3)The second quarter of 2014 includes a reduction of approximately $480 million related to the sale or transfers to held-for-sale (HFS) of various loan portfolios, including a reduction of approximately $204 million, $177 million and $29 million related to the transfers to HFS of businesses in Greece, Spain and Honduras, and $66 million related to a transfer of a real estate loan portfolio to HFS.  These amounts are partially offset by foreign currency translation on the entire allowance balance.

(4)The third quarter of 2014 includes a reduction of approximately $259 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $151 million related to a transfer of a real estate loan portfolio to HFS and a reduction of approximately $108 million related to the transfer of various EMEA loan portfolios to HFS.  Additionally, the third quarter includes a reduction of approximately $181 million related to foreign currency translation.

(5)The fourth quarter of 2014 includes a reduction of approximately $250 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $194 million related to a transfer of a real estate loan portfolio to HFS.  Additionally, the fourth quarter includes a reduction of approximately $282 million related to foreign currency translation.

(6)The first quarter of 2015 includes a reduction of approximately $1,032 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $281 million related to a transfer of a real estate loan portfolio to HFS.  Additionally, the first quarter includes a reduction of approximately $145 million related to foreign currency translation.

(7)The second quarter of 2015 includes a reduction of approximately $88 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $34 million related to a transfer of a real estate loan portfolio to HFS.  Additionally, the second quarter includes a reduction of approximately $39 million related to foreign currency translation.

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

(9)June 30, 2014, September 30, 2014, December 31, 2014, March 31, 2015 and June 30, 2015 exclude $46 million, $45 million, $43 million, $38 million and $39 million, respectively, of loans which are carried at fair value.

(10)June 30, 2014, September 30, 2014, December 31, 2014, March 31, 2015 and June 30, 2015 exclude $4.8 billion, $4.4 billion, $5.9 billion, $6.5 billion and $6.5 billion, respectively, of loans which are carried at fair value.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

34

COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 1

CITICORP

(In millions of dollars)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Citicorp
Net Credit Losses	$	1,747		$	1,692		$	1,831		$	1,549		$	1,662		7	%	(5	)%	$	3,613		$	3,211		(11	)%
Credit Reserve Build / (Release)	(398		)	(387		)	(153		)	(6		)	(235		)	NM		41	%	(698		)	(241		)	65	%
Global Consumer Banking
Net Credit Losses	1,738			1,680			1,710			1,551			1,579			2	%	(9	)%	3,470			3,130			(10	)%
Credit Reserve Build / (Release)	(302		)	(379		)	(254		)	(113		)	(103		)	9	%	66	%	(515		)	(216		)	58	%
North America Regional Consumer Banking
Net Credit Losses	1,072			1,019			1,013			961			1,000			4	%	(7	)%	2,174			1,961			(10	)%
Credit Reserve Build / (Release)	(397		)	(341		)	(233		)	(100		)	(109		)	(9	)%	73	%	(668		)	(209		)	69	%
Retail Banking
Net Credit Losses	37			36			36			36			40			11	%	8	%	71			76			7	%
Credit Reserve Build / (Release)	(28		)	(11		)	28			18			(6		)	NM		79	%	(32		)	12			NM
Citi-Branded Cards
Net Credit Losses	570			526			514			492			503			2	%	(12	)%	1,157			995			(14	)%
Credit Reserve Build / (Release)	(223		)	(212		)	(220		)	(119		)	(74		)	38	%	67	%	(411		)	(193		)	53	%
Citi Retail Services
Net Credit Losses	465			457			463			433			457			6	%	(2	)%	946			890			(6	)%
Credit Reserve Build / (Release)	(146		)	(118		)	(41		)	1			(29		)	NM		80	%	(225		)	(28		)	88	%
Latin America Regional Consumer Banking
Net Credit Losses	454			460			511			417			392			(6	)%	(14	)%	890			809			(9	)%
Credit Reserve Build / (Release)	109			(4		)	(36		)	22			7			(68	)%	(94	)%	160			29			(82	)%
Retail Banking
Net Credit Losses	211			210			278			188			196			4	%	(7	)%	419			384			(8	)%
Credit Reserve Build / (Release)	16			2			(37		)	24			4			(83	)%	(75	)%	22			28			27	%
Citi-Branded Cards
Net Credit Losses	243			250			233			229			196			(14	)%	(19	)%	471			425			(10	)%
Credit Reserve Build / (Release)	93			(6		)	1			(2		)	3			NM		(97	)%	138			1			(99	)%
Asia Regional Consumer Banking (1)
Net Credit Losses	212			201			186			173			187			8	%	(12	)%	406			360			(11	)%
Credit Reserve Build / (Release)	(14		)	(34		)	15			(35		)	(1		)	97	%	93	%	(7		)	(36		)	NM
Retail Banking
Net Credit Losses	83			79			74			70			79			13	%	(5	)%	163			149			(9	)%
Credit Reserve Build / (Release)	(7		)	(25		)	—			(14		)	4			NM		NM		6			(10		)	NM
Citi-Branded Cards
Net Credit Losses	129			122			112			103			108			5	%	(16	)%	243			211			(13	)%
Credit Reserve Build / (Release)	(7		)	(9		)	15			(21		)	(5		)	76	%	29	%	(13		)	(26		)	(100	)%
Institutional Clients Group (ICG)
Net Credit Losses	9			12			121			(2		)	83			NM		NM		143			81			(43	)%
Credit Reserve Build / (Release)	(96		)	(8		)	101			107			(132		)	NM		(38	)%	(183		)	(25		)	86	%
Corporate / Other
Net Credit Losses	—			—			—			—			—			—		—		—			—			—
Credit Reserve Build / (Release)	—			—			—			—			—			—		—		—			—			—
Total Citicorp Provision for Loan Losses	$	1,349		$	1,305		$	1,678		$	1,543		$	1,427		(8	)%	6	%	$	2,915		$	2,970		2	%

(1)   For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

35

COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 2

CITI HOLDINGS / TOTAL CITIGROUP

(In millions of dollars)

																2Q15 Increase				Six			Six			YTD 2015 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2014 Increase/
	2014			2014			2014			2015			2015			1Q15		2Q14		2014			2015			(Decrease)
Citi Holdings
Net Credit Losses (1)	$	442		$	405		$	417		$	408		$	258		(37	)%	(42	)%	$	1,015		$	666		(34	)%
Credit Reserve Build / (Release) (2)	(212		)	(135		)	(214		)	(196		)	(170		)	13	%	20	%	(558		)	(366		)	34	%
Total Citi Holdings Provision for Loan Losses	$	230		$	270		$	203		$	212		$	88		(58	)%	(62	)%	$	457		$	300		(34	)%
Total Citicorp Provision for Loan Losses (from prior page)	$	1,349		$	1,305		$	1,678		$	1,543		$	1,427		(8	)%	6	%	$	2,915		$	2,970		2	%
Total Citigroup Provision for Loan Losses	$	1,579		$	1,575		$	1,881		$	1,755		$	1,515		(14	)%	(4	)%	$	3,372		$	3,270		(3	)%

(1)See footnote 1 on page 23

(2)See footnote 2 on page 23

Reclassified to conform to the current period’s presentation.

36

NON-ACCRUAL ASSETS - PAGE 1

TOTAL CITIGROUP

(In millions of dollars)

																2Q15 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2014			2014			2014			2015			2015			1Q15		2Q14
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	367		$	365		$	321		$	347		$	467		35	%	27	%
EMEA	363			322			267			287			322			12	%	(11	)%
Latin America	288			481			416			376			224			(40	)%	(22	)%
Asia	200			182			179			151			145			(4	)%	(28	)%
Total	$	1,218		$	1,350		$	1,183		$	1,161		$	1,158		4	%	(5	)%
Consumer Non-Accrual Loans By Region (2) (3)
North America	$	4,915		$	4,546		$	4,412		$	4,192		$	3,934		(6	)%	(20	)%
Latin America	1,386			1,364			1,188			1,086			1,034			(5	)%	(25	)%
Asia (4)	415			362			324			315			311			(1	)%	(25	)%
Total	$	6,716		$	6,272		$	5,924		$	5,593		$	5,279		(6	)%	(21	)%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
ICG	$	23		$	20		$	31		$	28		$	23		(18	)%	—
Global Consumer Banking	52			46			45			54			57			6	%	10	%
Citi Holdings	306			296			168			172			159			(8	)%	(48	)%
Corporate/Other	20			20			16			21			7			(67	)%	(65	)%
TOTAL OTHER REAL ESTATE OWNED (OREO) (5)	$	401		$	382		$	260		$	275		$	246		(11	)%	(39	)%
OREO By Region:
North America	$	293		$	303		$	195		$	221		$	190		(14	)%	(35	)%
EMEA	44			18			8			1			1			—		(98	)%
Latin America	49			49			47			48			50			4	%	2	%
Asia	15			12			10			5			5			—		(67	)%
Total	$	401		$	382		$	260		$	275		$	246		(11	)%	(39	)%
Other Repossessed Assets	$	—		$	—		$	—		$	—		$	—		—		—
Non-Accrual Assets (NAA) (6)
Corporate Non-Accrual Loans	$	1,218		$	1,350		$	1,183		$	1,161		$	1,158		—		(5	)%
Consumer Non-Accrual Loans	6,716			6,272			5,924			5,593			5,279			(6	)%	(21	)%
Non-Accrual Loans (NAL)	7,934			7,622			7,107			6,754			6,437			(5	)%	(19	)%
OREO	401			382			260			275			246			(11	)%	(39	)%
Other Repossessed Assets	—			—			—			—			—			—		—
Non-Accrual Assets (NAA)	$	8,335		$	8,004		$	7,367		$	7,029		$	6,683		(5	)%	(20	)%
NAL as a % of Total Loans	1.19		%	1.17		%	1.10		%	1.09		%	1.02		%
NAA as a % of Total Assets	0.44		%	0.43		%	0.40		%	0.38		%	0.37		%
Allowance for Loan Losses as a % of NAL	225		%	222		%	225		%	216		%	219		%

(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)The first and second quarters of 2015 reflect the transfers of non accrual loans to HFS resulting from the agreements to sell OneMain, Japan Retail and Japan Cards.

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

(4)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

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

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

Reclassified to conform to the current period’s presentation.

37

NON-ACCRUAL ASSETS - PAGE 2

CITICORP

(In millions of dollars)

																2Q15 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2014			2014			2014			2015			2015			1Q15		2Q14
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	352		$	353		$	307		$	334		$	455		36	%	29	%
EMEA	319			281			228			250			281			12	%	(12	)%
Latin America	287			480			415			375			223			(41	)%	(22	)%
Asia	193			176			176			149			144			(3	)%	(25	)%
Total	$	1,151		$	1,290		$	1,126		$	1,108		$	1,103		—		(4	)%
Consumer Non-Accrual Loans By Region (2) (3)
North America	$	429		$	440		$	465		$	351		$	374		7	%	(13	)%
Latin America	1,335			1,311			1,134			1,043			998			(4	)%	(25	)%
Asia (4)	312			317			286			287			285			(1	)%	(9	)%
Total	$	2,076		$	2,068		$	1,885		$	1,681		$	1,657		(1	)%	(20	)%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
ICG	$	23		$	20		$	31		$	28		$	23		(18	)%	—
Global Consumer Banking	52			46			45			54			57			6	%	10	%
Corporate/Other	20			20			16			21			7			(67	)%	(65	)%
TOTAL OTHER REAL ESTATE OWNED (OREO) (5)	$	95		$	86		$	92		$	103		$	87		(16	)%	(8	)%
OREO By Region:
North America	$	22		$	24		$	35		$	54		$	35		(35	)%	59	%
EMEA	16			6			6			1			1			—		(94	)%
Latin America	42			44			41			43			46			7	%	10	%
Asia	15			12			10			5			5			—		(67	)%
Total	$	95		$	86		$	92		$	103		$	87		(16	)%	(8	)%
Other Repossessed Assets	$	—		$	—		$	—		$	—		$	—
Non-Accrual Assets (NAA) (6)
Corporate Non-Accrual Loans	$	1,151		$	1,290		$	1,126		$	1,108		$	1,103		—		(4	)%
Consumer Non-Accrual Loans	2,076			2,068			1,885			1,681			1,657			(1	)%	(20	)%
Non-Accrual Loans (NAL)	3,227			3,358			3,011			2,789			2,760			(1	)%	(14	)%
OREO	95			86			92			103			87			(16	)%	(8	)%
Other Repossessed Assets	—			—			—			—			—
Non-Accrual Assets (NAA)	$	3,322		$	3,444		$	3,103		$	2,892		$	2,847		(2	)%	(14	)%
NAA as a % of Total Assets	0.19		%	0.20		%	0.18		%	0.17		%	0.17		%
Allowance for Loan Losses as a % of NAL	376		%	345		%	370		%	394		%	387		%

See Notes (1) - (6) on page 37.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

38

NON-ACCRUAL ASSETS - PAGE 3

CITI HOLDINGS

(In millions of dollars)

																2Q15 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2014			2014			2014			2015			2015			1Q15		2Q14
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	15		$	12		$	14		$	13		$	12		(8	)%	(20	)%
EMEA	44			41			39			37			41			11	%	(7	)%
Latin America	1			1			1			1			1			—		—
Asia	7			6			3			2			1			(50	)%	(86	)%
Total	$	67		$	60		$	57		$	53		$	55		4	%	(18	)%
Consumer Non-Accrual Loans By Region (2) (3)
North America	$	4,486		$	4,106		$	3,947		$	3,841		$	3,560		(7	)%	(21	)%
Latin America	51			53			54			43			36			(16	)%	(29	)%
Asia (4)	103			45			38			28			26			(7	)%	(75	)%
Total	$	4,640		$	4,204		$	4,039		$	3,912		$	3,622		(7	)%	(22	)%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
OREO By Region (5):
North America	$	271		$	279		$	160		$	167		$	155		(7	)%	(43	)%
EMEA	28			12			2			—			—			—		(100	)%
Latin America	7			5			6			5			4			(20	)%	(43	)%
Asia	—			—			—			—			—			—		—
Total	$	306		$	296		$	168		$	172		$	159		(8	)%	(48	)%
Other Repossessed Assets	$	—		$	—		$	—		$	—		$	—
Non-Accrual Assets (NAA) (6)
Corporate Non-Accrual Loans	$	67		$	60		$	57		$	53		$	55		4	%	(18	)%
Consumer Non-Accrual Loans	4,640			4,204			4,039			3,912			3,622			(7	)%	(22	)%
Non-Accrual Loans (NAL)	4,707			4,264			4,096			3,965			3,677			(7	)%	(22	)%
OREO	306			296			168			172			159			(8	)%	(48	)%
Other Repossessed Assets	—			—			—			—			—
Non-Accrual Assets (NAA)	$	5,013		$	4,560		$	4,264		$	4,137		$	3,836		(7	)%	(23	)%
NAA as a % of Total Assets	3.39		%	3.33		%	3.31		%	3.39		%	3.31		%
Allowance for Loan Losses as a % of NAL	122		%	125		%	118		%	91		%	93		%

See Notes (1) - (6) on page 37.

Reclassified to conform to the current period’s presentation.

39

CITIGROUP

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES

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

Tangible Common Equity and Tangible Book Value Per Share

Tangible Common Equity (TCE) and Tangible Book Value Per Share are non-GAAP financial measures.  A reconciliation of TCE and Tangible Book Value Per Share to reported results follows:

	June 30,		September 30,		December 31,		March 31,		June 30,
	2014		2014		2014		2015		2015(1)
Tangible Book Value Per Share (on page 1):
Common Equity	$	202,048	$	202,960	$	199,717	$	202,652	$	205,472
Less:
Goodwill	25,087		24,500		23,592		23,150		23,012
Intangible assets (other than MSRs)	4,702		4,525		4,566		4,244		4,071
Goodwill related to assets held-for-sale	116		—		71		174		122
Intangible assets (other than MSRs) related to assets held-for-sale	—		—		—		123		152
Tangible Common Equity (TCE)	$	172,143	$	173,935	$	171,488	$	174,961	$	178,115
Common Shares Outstanding (CSO)	3,031.8		3,029.5		3,023.9		3,034.1		3,009.8
Tangible Book Value Per Share (TCE/CSO)	$	56.78	$	57.41	$	56.71	$	57.66	$	59.18

	June 30,			September 30,			December 31,			March 31,			June 30,
	2014			2014			2014			2015			2015(1)
Common Equity Tier 1 Capital Ratio and Components
Citigroup Common Stockholders’ Equity(2)	$	202,165		$	203,077		$	199,841		$	202,782		$	205,610
Add: Qualifying noncontrolling interests	183			172			165			146			146
Regulatory Capital Adjustments and Deductions:
Less:
Accumulated net unrealized losses on cash flow hedges, net of tax(3)	(1,007		)	(979		)	(909		)	(823		)	(731		)
Cumulative unrealized net gain related to changes in fair value of financial liabilities attributable to own creditworthiness, net of tax(4)	116			193			279			332			474
Intangible Assets:
Goodwill, net of related deferred tax liabilities (DTLs)(5)	24,465			23,678			22,805			22,448			22,312
Identifiable intangible assets other than mortgage servicing rights (MSRs), net of related DTLs	4,506			4,307			4,373			4,184			4,153
Defined benefit pension plan net assets	1,066			1,179			936			897			815
Deferred tax assets (DTAs) arising from net operating loss, foreign tax credit and general business credit carry-forwards	25,139			24,654			23,626			23,190			23,760
Excess over 10% / 15% limitations for other DTAs, certain common stock investments and MSRs(6)	12,725			11,670			12,299			10,755			9,538
Common Equity Tier 1 Capital (CET1)	$	135,338		$	138,547		$	136,597		$	141,945		$	145,435
Risk-Weighted Assets (RWA)	$	1,280,845		$	1,301,660		$	1,292,605		$	1,283,758		$	1,279,405
Common Equity Tier 1 Capital Ratio (CET1/RWA)	10.57		%	10.64		%	10.57		%	11.06		%	11.4		%

(1)Preliminary.

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

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

(4)The cumulative impact of changes in Citigroup’s own creditworthiness in valuing liabilities for which the fair value option has been elected and own-credit valuation adjustments on derivatives are excluded from Common Equity Tier 1 Capital.

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

(6)Aside from MSRs, reflects other DTAs arising from temporary differences and significant common stock investments in unconsolidated financial institutions.  At June 30, 2015 and March 31, 2015, the deduction related only to DTAs arising from temporary differences.

Reclassified to conform to the current period’s presentation.

40