Exhibit 99.01

THE COMPANY

Citigroup Inc. (Citigroup and, together with its subsidiaries, the Company) is a global diversified financial services holding company whose businesses provide a broad range of financial services to consumer and corporate customers. Citigroup has more than 200 million customer accounts and does business in more than 100 countries. Citigroup was incorporated in 1988 under the laws of the State of Delaware.

The Company is a bank holding company within the meaning of the U.S. Bank Holding Company Act of 1956 registered with, and subject to examination by, the Board of Governors of the Federal Reserve System (FRB). Some of the Company’s subsidiaries are subject to supervision and examination by their respective federal and state authorities.

The principal executive offices of the Company are located at 399 Park Avenue, New York, New York 10043, telephone number 212 559 1000. Additional information about Citigroup is available on the Company’s Web site at www.citigroup.com. Citigroup’s annual report on Form 10-K, its quarterly reports on Form 10-Q, its current reports on Form 8-K, and all amendments to these reports, are available free of charge through the Company’s Web site by clicking on the “Investor Relations” page and selecting “All SEC Filings.” The Securities and Exchange Commission Web site contains reports, proxy and information statements, and other information regarding the Company at www.sec.gov.

Citigroup is managed along the following segment and regional lines:

CITIGROUP SEGMENTS

Global
Cards

Consumer
Banking

Institutional
Clients Group
(ICG)

Global Wealth
Management
(GWM)

Corporate /
Other

· MasterCard, VISA, Diners Club, private label and American Express

· Sales finance

· Retail Banking

· Consumer Finance

· Real estate lending

· Personal loans

· Retail banking

· Investment services

· Auto loans

· Small and middle market commercial banking

· Primerica Financial Services

· Securities and Banking (S&B)

· Investment banking

· Debt and equity markets

· Lending

· Private equity

· Hedge funds

· Real estate

· Structured products

· Managed futures

· Transaction Services

· Cash management

· Trade services

· Custody and fund services

· Clearing services

· Agency/trust

· Smith Barney

· Advisory

· Financial planning

· Brokerage

· Private Bank

· Wealth management services

· Citigroup Investment Research

· Equity and fixed income research

· Treasury

· Operations and technology

· Corporate expenses

· Discontinued operations

The following are the four regions in which Citigroup operates. The regional results are fully reflected in the segment results.

(1) Asia includes Japan, Latin America includes Mexico, and North America includes U.S., Canada and Puerto Rico.

FIVE-YEAR SUMMARY OF SELECTED FINANCIAL DATA

Citigroup Inc. and Subsidiaries

In millions of dollars, except per share amounts	2007			2006			2005			2004			2003
Revenues, net of interest expense	$	78,495		$	86,327		$	80,077		$	76,223		$	68,703
Operating expenses	59,802			50,301			43,549			48,149			36,272
Provisions for credit losses and for benefits and claims	17,917			7,537			7,971			6,658			8,241
Income from continuing operations before taxes, minority interest, and cumulative effect of accounting change	$	776		$	28,489		$	28,557		$	21,416		$	24,190
Provision (benefits) for income taxes	(2,498		)	7,749			8,787			6,130			7,440
Minority interest, net of taxes	285			289			549			218			274
Income from continuing operations before cumulative effect of accounting change	$	2,989		$	20,451		$	19,221		$	15,068		$	16,476
Income from discontinued operations, net of taxes (1)	628			1,087			5,417			1,978			1,377
Cumulative effect of accounting change, net of taxes (2)	—			—			(49		)	—			—
Net income	$	3,617		$	21,538		$	24,589		$	17,046		$	17,853
Earnings per share
Basic:
Income from continuing operations	$	0.60		$	4.17		$	3.78		$	2.94		$	3.22
Net income	0.73			4.39			4.84			3.32			3.49
Diluted:
Income from continuing operations	0.59			4.09			3.71			2.88			3.16
Net income	0.72			4.31			4.75			3.26			3.42
Dividends declared per common share	$	2.16		$	1.96		$	1.76		$	1.60		$	1.10
At December 31
Total assets	$	2,187,480		$	1,884,167		$	1,493,886		$	1,483,950		$	1,263,881
Total deposits	826,230			712,041			591,828			561,513			473,614
Long-term debt	427,112			288,494			217,499			207,910			162,702
Mandatorily redeemable securities of subsidiary trusts (3)	23,594			9,579			6,264			6,209			6,057
Common stockholders’ equity	113,447			118,632			111,261			108,015			96,738
Total stockholders’ equity	113,447			119,632			112,386			109,140			97,863
Ratios:
Return on common stockholders’ equity (4)	2.9		%	18.8		%	22.4		%	17.0		%	19.8		%
Return on total stockholders’ equity (4)	3.0			18.7			22.2			16.9			19.6
Tier 1 Capital	7.12		%	8.59			8.79			8.74			8.91
Total Capital	10.70			11.65			12.02			11.85			12.04
Leverage (5)	4.03			5.16			5.35			5.20			5.56
Common stockholders’ equity to assets	5.19		%	6.30		%	7.45		%	7.28		%	7.65		%
Total stockholders’ equity to assets	5.19			6.35			7.52			7.35			7.74
Dividend payout ratio (6)	300.0			45.5			37.1			49.1			32.2
Book value per common share	$	22.71		$	24.15		$	22.34		$	20.79		$	18.76
Ratio of earnings to fixed charges and preferred stock dividends	1.01		x	1.50		x	1.79		x	1.99		x	2.44		x

(1) Discontinued operations for 2003 to 2007 reflect the sale of Citigroup’s German Retail Banking Operations to Credit Mutuel, and the Company’s sale of CitiCapital’s equipment finance unit to General Electric. In addition, discontinued operations for 2003 to 2006 include the operations and associated gain on sale of substantially all of Citigroup’s Asset Management business. The majority of the sale closed on December 1, 2005. Discontinued operations from 2003 to 2006 also include the operations and associated gain on sale of Citigroup’s Travelers Life & Annuity, substantially all of Citigroup’s international insurance business and Citigroup’s Argentine pension business to MetLife Inc. The sale closed on July 1, 2005. See Note 3 to Exhibit 99.02.

(2) Accounting change of $(49) million in 2005 represents the adoption of Financial Accounting Standards Board (FASB) Interpretation No. 47, “Accounting for Conditional Asset Retirement Obligations, an interpretation of SFAS No. 143, (FIN 47).”

(3) During 2004, the Company deconsolidated the subsidiary issuer trusts in accordance with FIN 46-R. For regulatory capital purposes, these trust securities remain a component of Tier 1 Capital.

(4) The return on average common stockholders’ equity is calculated using net income less preferred stock dividends divided by average common stockholders’ equity. The return on total stockholders’ equity is calculated using net income divided by average stockholders’ equity.

(5) Tier 1 Capital divided by adjusted average assets.

(6) Dividends declared per common share as a percentage of net income per diluted share.

SEGMENT AND REGIONAL — NET INCOME (LOSS) AND REVENUE

The following tables present net income (loss) and revenues for Citigroup’s businesses on a segment view and on a regional view:

Citigroup Net Income (Loss) — Segment View

In millions of dollars	2007			2006			2005			% Change 2007 vs. 2006		% Change 2006 vs. 2005

Global Cards
North America	$	2,713		$	3,887		$	2,721		(30	)%	43	%
EMEA	232			121			162			92		(25	)
Latin America	1,233			652			672			89		(3	)
Asia	496			318			510			56		(38	)
Total Global Cards	$	4,674		$	4,978		$	4,065		(6	)%	22	%

Consumer Banking
North America	$	780		$	4,002		$	3,642		(81	)%	10	%
EMEA	(122		)	5			63			NM		(92	)
Latin America	660			1,003			796			(34	)	26
Asia	839			1,063			1,484			(21	)	(28	)
Total Consumer Banking	$	2,157		$	6,073		$	5,985		(64	)%	1	%

Institutional Clients Group (ICG)
North America	$	(6,733	)	$	3,533		$	4,446		NM		(21	)%
EMEA	(1,900		)	2,010			1,140			NM		76
Latin America	1,630			1,112			1,260			47	%	(12	)
Asia	2,848			1,956			1,749			46		12
Total ICG	$	(4,155	)	$	8,611		$	8,595		NM		—

Global Wealth Management (GWM)
North America	$	1,415		$	1,209		$	1,142		17	%	6	%
EMEA	77			23			8			NM		NM
Latin America	72			48			61			50		(21	)
Asia	410			163			33			NM		NM
Total GWM	$	1,974		$	1,443		$	1,244		37	%	16	%

Corporate/Other	$	(1,661	)	$	(654	)	$	(668	)	NM		2	%

Income from Continuing Operations	$	2,989		$	20,451		$	19,221		(85	)%	6	%

Discontinued Operations	628			1,087			5,417			(42	)	(80	)

Cumulative Effect of Accounting Change	—			—			(49		)	—		100

Net Income (Loss)	$	3,617		$	21,538		$	24,589		(83	)%	(12	)%

NM Not meaningful

Citigroup Net Income (Loss) — Regional View

In millions of dollars	2007			2006			2005			% Change 2007 vs. 2006		% Change 2006 vs. 2005

North America
Global Cards	$	2,713		$	3,887		2,721			(30	)%	43	%
Consumer Banking	780			4,002			3,642			(81	)	10
ICG	(6,733		)	3,533			4,446			NM		(21	)
Securities & Banking	(6,929		)	3,434			4,342			NM		(21	)
Transaction Services	196			99			104			98		(5	)
GWM	1,415			1,209			1,142			17		6
Total North America	$	(1,825	)	$	12,631		11,951			NM		6	%

EMEA
Global Cards	$	232		$	121		$	162		92	%	(25	)%
Consumer Banking	(122		)	5			63			NM		(92	)
ICG	(1,900		)	2,010			1,140			NM		76
Securities & Banking	(2,573		)	1,547			817			NM		89
Transaction Services	673			463			323			45		43
GWM	77			23			8			NM		NM
Total EMEA	$	(1,713	)	$	2,159		$	1,373		NM		57	%

Latin America
Global Cards	$	1,233		$	652		$	672		89	%	(3	)%
Consumer Banking	660			1,003			796			(34	)	26
ICG	1,630			1,112			1,260			47		(12	)
Securities & Banking	1,221			854			1,033			43		(17	)
Transaction Services	409			258			227			59		14
GWM	72			48			61			50		(21	)
Total Latin America	$	3,595		$	2,815		$	2,789		28	%	1	%

Asia
Global Cards	$	496		$	318		$	510		56	%	(38	)%
Consumer Banking	839			1,063			1,484			(21	)	(28	)
ICG	2,848			1,956			1,749			46		12
Securities & Banking	1,904			1,345			1,255			42		7
Transaction Services	944			611			494			55		24
GWM	410			163			33			NM		NM
Total Asia	$	4,593		$	3,500		$	3,776		31	%	(7	)%

Corporate/Other	(1,661		)	(654		)	(668		)	NM		2

Income from Continuing Operations	$	2,989		$	20,451		$	19,221		(85	)%	6	%

Income from Discontinued Operations	628			1,087			5,417			(42	)	(80	)

Cumulative Effect of Accounting Change	—			—			(49		)	—		100

Net Income	$	3,617		$	21,538		$	24,589		(83	)%	(13	)%

NM Not meaningful

Citigroup Revenues — Segment View

In millions of dollars	2007			2006			2005			% Change 2007 vs. 2006		% Change 2006 vs. 2005

Global Cards
North America	$	13,893		$	13,905		$	13,186		—		5	%
EMEA	1,955			1,205			1,185			62	%	2
Latin America	4,803			2,726			1,632			76		67
Asia	2,400			1,976			1,989			21		(1	)
Total Global Cards	$	23,051		$	19,812		$	17,992		16	%	10	%

Consumer Banking
North America	$	16,991		$	15,526		$	15,225		9	%	2	%
EMEA	2,485			2,059			1,950			21		6
Latin America	4,185			3,740			3,234			12		16
Asia	5,797			5,310			5,654			9		(6	)
Total Consumer Banking	$	29,458		$	26,635		$	26,063		11	%	2	%

Institutional Clients Group
North America	$	(3,040	)	$	13,032		$	13,320		NM		(2	)%
EMEA	4,235			8,758			6,849			(52	)%	28
Latin America	4,206			3,091			2,829			36		9
Asia	8,339			5,766			4,922			45		17
Total ICG	$	13,740		$	30,647		$	27,920		(55	)%	10	%

Global Wealth Management
North America	$	9,790		$	8,790		$	7,628		11	%	15	%
EMEA	543			331			294			64		13
Latin America	373			318			327			17		(3	)
Asia	2,292			738			434			NM		70
Total GWM	$	12,998		$	10,177		$	8,683		28	%	17	%

Corporate/Other	$	(752	)	$	(944	)	$	(581	)	20	%	(62	)%

Total Net Revenues	$	78,495		$	86,327		$	80,077		(9	)%	8	%

NM Not meaningful

Citigroup Revenues — Regional View

In millions of dollars	2007			2006			2005			% Change 2007 vs. 2006		% Change 2006 vs. 2005

North America
Global Cards	$	13,893		$	13,905		$	13,186		—		5	%
Consumer Banking	16,991			15,526			15,225			9	%	2
ICG	(3,040		)	13,032			13,320			NM		(2	)
Securities & Banking	(4,663		)	11,742			12,259			NM		(4	)
Transaction Services	1,623			1,290			1,061			26		22
GWM	9,790			8,790			7,628			11		15
Total North America	$	37,634		$	51,253		$	49,359		(27	)%	4	%

EMEA
Global Cards	$	1,955		$	1,205		$	1,185		62	%	2	%
Consumer Banking	2,485			2,059			1,950			21		6
ICG	4,235			8,758			6,849			(52	)	28
Securities & Banking	1,454			6,611			5,093			(78	)	30
Transaction Services	2,781			2,147			1,756			30		22
GWM	543			331			294			64		13
Total EMEA	$	9,218		$	12,353		$	10,278		(25	)%	20	%

Latin America
Global Cards	$	4,803		$	2,726		$	1,632		76	%	67	%
Consumer Banking	4,185			3,740			3,234			12		16
ICG	4,206			3,091			2,829			36		9
Securities & Banking	3,078			2,251			2,119			37		6
Transaction Services	1,128			840			710			34		18
GWM	373			318			327			17		(3	)
Total Latin America	$	13,567		$	9,875		$	8,022		37	%	23	%

Asia
Global Cards	$	2,400		$	1,976		$	1,989		21	%	(1	)%
Consumer Banking	5,797			5,310			5,654			9		(6	)
ICG	8,339			5,766			4,922			45		17
Securities & Banking	6,006			4,047			3,535			48		14
Transaction Services	2,333			1,719			1,387			36		24
GWM	2,292			738			434			NM		70
Total Asia	$	18,828		$	13,790		$	12,999		37	%	6	%

Corporate/Other	$	(752	)	$	(944	)	$	(581	)	20	%	(62	)%

Total Net Revenue	$	78,495		$	86,327		$	80,077		(9	)%	8	%

NM Not meaningful

Citigroup (C) 8-KOther Events

THE COMPANY

CITIGROUP SEGMENTS

Citigroup Net Income (Loss) — Segment View

Citigroup Revenues — Segment View