Citigroup 8K - Quarterly Financial Data Supplement | C 10 Jul 09

Exhibit 99.1

CITIGROUP - QUARTERLY FINANCIAL DATA SUPPLEMENT

1Q09 HISTORICAL

	Page Number

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

Citicorp

Income Statement and Balance Sheet Summary	6

Regional Consumer Banking	7 - 8
North America	9 - 10
EMEA	11 - 12
Latin America	13 - 14
Asia	15 - 16
Institutional Clients Group (ICG)	17
Securities and Banking	18
Transaction Services	19

Citi Holdings

Income Statement and Balance Sheet Summary	20

Brokerage and Asset Management	21
Local Consumer Lending	22 - 24
Special Asset Pool	25

Reconciliation of Non-GAAP Financial Measures	26 - 28

CITIGROUP — FINANCIAL SUMMARY

(In millions of dollars, except per share amounts)

																												Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2007			2007			2007			2007			2008			2008			2008			2008			2009			2006			2007			2008

Total Revenues, Net of Interest Expense	$	24,646		$	25,448		$	21,189		$	6,017		$	12,157		$	17,538		$	16,258		$	5,646		$	24,521		$	86,327		$	77,300		$	51,599
Total Operating Expenses	15,121			14,197			13,747			15,672			15,377			15,214			14,007			24,642			11,685			50,301			58,737			69,240
Provision for Loan Losses and for Benefits and Claims	2,810			2,579			4,867			7,661			5,852			7,100			9,067			12,695			10,307			7,537			17,917			34,714
Income (Loss) from Continuing Operations before Income Taxes	6,715			8,672			2,575			(17,316		)	(9,072		)	(4,776		)	(6,816		)	(31,691		)	2,529			28,489			646			(52,355		)
Income Taxes	1,797			2,572			478			(7,393		)	(3,886		)	(2,447		)	(3,295		)	(10,698		)	835			7,749			(2,546		)	(20,326		)
Income (Loss) from Continuing Operations	$	4,918		$	6,100		$	2,097		$	(9,923	)	$	(5,186	)	$	(2,329	)	$	(3,521	)	$	(20,993	)	$	1,694		$	20,740		$	3,192		$	(32,029	)
Income (Loss) from Discontinued Operations, net of Taxes	141			225			117			225			59			(94		)	613			3,424			(117		)	1,087			708			4,002
Net Income (Loss) before Attribution of Noncontrolling Interests	5,059			6,325			2,214			(9,698		)	(5,127		)	(2,423		)	(2,908		)	(17,569		)	1,577			21,827			3,900			(28,027		)
Net Income (Loss) Attributable to Noncontrolling Interests	47			99			2			135			(16		)	72			(93		)	(306		)	(16		)	289			283			(343		)
Citigroup’s Net Income (Loss)	$	5,012		$	6,226		$	2,212		$	(9,833	)	$	(5,111	)	$	(2,495	)	$	(2,815	)	$	(17,263	)	$	1,593		$	21,538		$	3,617		$	(27,684	)

Diluted Earnings Per Share:
Income (Loss) from Continuing Operations	$	0.96		$	1.18		$	0.41		$	(2.05	)	$	(1.04	)(1)	$	(0.53	)(1)	$	(0.72	)(1)	$	(4.04	)(1)	$	(0.16	)(1)	$	4.05		$	0.53		$	(6.37	)
Citigroup’s Net Income (Loss)	$	0.99		$	1.23		$	0.43		$	(2.00	)	$	(1.03	)(1)	$	(0.55	)(1)	$	(0.61	)(1)	$	(3.40	)(1)	$	(0.18	)(1)	$	4.27		$	0.67		$	(5.61	)
Shares (in millions):
Average Basic	4,877.0			4,898.3			4,916.1			4,931.9			5,085.6			5,287.4			5,341.8			5,346.9			5,385.0			4,887.3			4,905.8			5,265.4
Average Diluted	4,967.9			4,992.9			5,010.9			5,009.3			5,591.1			5,800.0			5,867.3			5,922.0			5,969.1			4,986.1			4,995.3			5,795.1
Common Shares Outstanding, at period end	4,946.4			4,974.6			4,981.1			4,994.6			5,249.8			5,445.4			5,449.5			5,450.1			5,512.8

Preferred Dividends - Basic (in millions) (2)	$	16		$	14		$	6		$	—		$	83		$	361		$	389		$	862		$	1,221		$	68		$	36		$	1,695
Preferred Dividends - Diluted (in millions) (2)	$	16		$	14		$	6		$	—		$	17		$	91		$	119		$	591		$	951		$	68		$	36		$	818

Income Available to Common Shareholders - Basic
Income (Loss) from Continuing Operations	$	4,902		$	6,086		$	2,091		$	(9,923	)	$	(5,269	)	$	(2,690	)	$	(3,910	)	$	(21,892	)	$	(865	)(3)	$	20,672		$	3,156		$	(33,724	)
Citigroup’s Net Income (Loss)	$	4,996		$	6,212		$	2,206		$	(9,833	)	$	(5,194	)	$	(2,856	)	$	(3,204	)	$	(18,162	)	$	(966	)(3)	$	21,470		$	3,581		$	(29,379	)

Income Available to Common Shareholders - Diluted
Income (Loss) from Continuing Operations	$	4,902		$	6,086		$	2,091		$	(9,923	)	$	(5,203	)(1)	$	(2,420	)(1)	$	(3,640	)(1)	$	(21,621	)(1)	$	(595)	(1)(3)	$	20,672		$	3,156		$	(32,884	)(1)
Citigroup’s Net Income (Loss)	$	4,996		$	6,212		$	2,206		$	(9,833	)	$	(5,128	)(1)	$	(2,586	)(1)	$	(2,934	)(1)	$	(17,891	)(1)	$	(696)	(1)(3)	$	21,470		$	3,581		$	(28,539	)(1)

Financial Ratios:
Tier 1 Capital Ratio	8.26		%	7.91		%	7.32		%	7.12		%	7.74		%	8.74		%	8.19		%	11.92		%	11.92		%
Total Capital Ratio	11.48		%	11.23		%	10.61		%	10.70		%	11.22		%	12.29		%	11.68		%	15.70		%	15.61		%
Leverage Ratio	4.84		%	4.37		%	4.13		%	4.03		%	4.39		%	5.04		%	4.70		%	6.08		%	6.60		%
Return on Common Equity	17.1		%	20.1		%	6.9		%	(32.4		)%	(18.6		)%	(10.4		)%	(12.2		)%	(85.3		)%	(5.6		)%	22.3		%	18.8		%	2.9		%

Balance Sheet Data, EOP (in billions, except Book Value per Share):
Total Assets	$	2,020.8		$	2,220.7		$	2,358.1		$	2,187.5		$	2,199.7		$	2,100.4		$	2,050.1		$	1,938.5		$	1,822.6
Trading Account Assets	460.1			538.3			581.2			539.0			578.4			505.4			457.5			377.6			335.2
Total Loans	693.3			742.9			774.0			778.0			789.8			746.8			717.0			694.2			657.3
Total Deposits	738.5			771.8			812.9			826.2			831.2			803.6			780.3			774.2			762.7
Citigroup’s Stockholders’ Equity	121.9			127.6			127.0			113.4			128.1			136.4			126.1			141.6			143.9
Equity and Trust Securities	131.3			137.8			138.7			137.2			152.0			160.1			149.7			165.5			168.5
Book Value Per Share	$	24.45		$	25.53		$	25.45		$	22.71		$	20.70		$	20.01		$	18.10		$	13.02		$	12.64

Direct Staff (in thousands)	343			361			371			375			369			363			352			323			309

(1) The Company adopted FSP EITF 03-6-1 on January 1, 2009. All prior periods have been restated to conform to the current presentation. The Diluted EPS calculation for the first, second, third and fourth quarters of 2008, and the 2009 first quarter, utilizes Basic shares and Income available to common shareholders (Basic) due to the negative Income available to common shareholders. Using actual Diluted shares and Income available to common shareholders (Diluted) would result in anti-dilution.

(2) Beginning in the fourth quarter of 2008, preferred stock dividends (subject to declaration) will vary quarter-to-quarter due to Series E being declared on a semi-annual basis compared to a quarterly basis for all other series.

(3) The first quarter of 2009 Income available to common shareholders includes a reduction of $1.285 billion related to the conversion price reset (triggered on January 23, 2009) pursuant to Citigroup’s prior agreement with the purchasers of the $12.5 billion convertible preferred stock issued in a private offering in January 2008, the conversion price was reset from $31.62 per share to $26.35 per share. The reset will result in Citigroup’s issuing approximately 79 million additional common shares when the preferred stock is converted. There is no impact to net income, total stockholders’ equity or capital ratios due to the reset. However, the reset resulted in a reclassification from Retained earnings to Additional paid-in capital of $1.285 billion and a reduction in Income available to common shareholders of $1.285 billion. Income available to common shareholders for the fourth quarter of 2008 and first quarter of 2009 includes a reduction of $ 37 million and $53 million, respectively, related to the preferred stock Series H quarterly discount accretion.

Reclassified to conform to the current period’s presentation.

CITIGROUP CONSOLIDATED STATEMENT OF INCOME

(In millions of dollars)

																										Full			Full			Full
	1Q		2Q		3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2007		2007		2007			2007			2008			2008			2008			2008			2009			2006			2007			2008
Revenues
Interest revenue	$	27,417	$	29,865	$	32,236		$	31,829		$	29,161		$	27,337		$	26,130		$	23,871		$	20,583		$	93,611		$	121,347		$	106,499
Interest expense	17,192		18,794		20,391			19,581			16,073			13,351			12,726			10,600			7,657			55,683			75,958			52,750
Net interest revenue	10,225		11,071		11,845			12,248			13,088			13,986			13,404			13,271			12,926			37,928			45,389			53,749

Commissions and fees	5,488		6,359		3,717			4,504			1,341			5,799			3,208			18			4,168			18,850			20,068			10,366
Principal transactions	3,166		2,498		(323		)	(17,688		)	(6,632		)	(5,802		)	(3,013		)	(7,154		)	3,670			7,990			(12,347		)	(22,601		)
Administrative and other fiduciary fees	1,941		2,203		2,318			2,398			2,201			2,197			2,081			1,743			1,606			6,903			8,860			8,222
Realized gains (losses) on investments	473		119		263			313			(119		)	(139		)	(605		)	(1,198		)	9			1,791			1,168			(2,061		)
Insurance premiums	730		743		772			817			843			847			823			708			755			2,769			3,062			3,221
Other revenue	2,623		2,455		2,597			3,425			1,435			650			360			(1,742		)	1,387			10,096			11,100			703
Total non-interest revenues	14,421		14,377		9,344			(6,231		)	(931		)	3,552			2,854			(7,625		)	11,595			48,399			31,911			(2,150		)
Total revenues, net of interest expense	24,646		25,448		21,189			6,017			12,157			17,538			16,258			5,646			24,521			86,327			77,300			51,599

Provisions for Credit Losses and for Benefits and Claims
Net credit losses (NCLs)	1,942		1,942		2,453			3,589			3,638			4,310			4,920			6,143			7,282			6,863			9,926			19,011
Net build / (Release)	607		440		2,128			3,731			1,939			2,673			4,023			6,028			2,633			(543		)	6,906			14,663
Provision for loan losses	2,549		2,382		4,581			7,320			5,577			6,983			8,943			12,171			9,915			6,320			16,832			33,674
Policyholder benefits and claims	261		197		236			241			275			260			274			594			332			967			935			1,403
Provision for unfunded lending commitments	—		—		50			100			—			(143		)	(150		)	(70		)	60			250			150			(363		)
Total provisions for credit losses and for benefits and claims	2,810		2,579		4,867			7,661			5,852			7,100			9,067			12,695			10,307			7,537			17,917			34,714

Operating Expenses
Compensation and benefits	8,434		8,491		7,217			8,563			8,562			8,692			7,544			6,298			6,235			29,752			32,705			31,096
Premises and Equipment	1,112		1,164		1,275			1,286			1,294			1,347			1,342			1,334			1,083			5,794			4,837			5,317
Technology / communication expense	1,250		1,403		1,429			1,538			1,500			1,519			1,515			1,459			1,142			3,741			5,620			5,993
Advertising and marketing expense	578		716		737			698			601			616			496			475			334			2,471			2,729			2,188
Restructuring-related items	1,377		63		35			53			15			(44		)	8			1,571			(13		)	—			1,528			1,550
Other operating	2,370		2,360		3,054			3,534			3,405			3,084			3,102			13,505			2,904			8,543			11,318			23,096
Total operating expenses	15,121		14,197		13,747			15,672			15,377			15,214			14,007			24,642			11,685			50,301			58,737			69,240

Income (Loss) from Continuing Operations before
Income Taxes	6,715		8,672		2,575			(17,316		)	(9,072		)	(4,776		)	(6,816		)	(31,691		)	2,529			28,489			646			(52,355		)
Provision (benefits) for income taxes	1,797		2,572		478			(7,393		)	(3,886		)	(2,447		)	(3,295		)	(10,698		)	835			7,749			(2,546		)	(20,326		)

Income (Loss) from Continuing Operations	4,918		6,100		2,097			(9,923		)	(5,186		)	(2,329		)	(3,521		)	(20,993		)	1,694			20,740			3,192			(32,029		)
Discontinued Operations (1)
Income (Loss) from Discontinued Operations	206		362		176			308			54			337			507			(114		)	(152		)	1,177			1,052			784
Gain (Loss) on Sale	—		—		—			—			—			(517		)	9			3,647			(12		)	219			—			3,139
Provision (benefits) for income taxes	65		137		59			83			(5		)	(86		)	(97		)	109			(47		)	309			344			(79		)
Income (Loss) from Discontinued Operations, net	141		225		117			225			59			(94		)	613			3,424			(117		)	1,087			708			4,002
Net Income (Loss) before attribution of Minority Interests	5,059		6,325		2,214			(9,698		)	(5,127		)	(2,423		)	(2,908		)	(17,569		)	1,577			21,827			3,900			(28,027		)
Net Income (Loss) attributable to noncontrolling Minority Interests (Minority Interest)	47		99		2			135			(16		)	72			(93		)	(306		)	(16		)	289			283			(343		)
Citigroup’s Net Income (Loss)	$	5,012	$	6,226	$	2,212		$	(9,833	)	$	(5,111	)	$	(2,495	)	$	(2,815	)	$	(17,263	)	$	1,593		$	21,538		$	3,617		$	(27,684	)

(1)	Discontinued Operations includes:
	a)	The sale of substantially all of Citigroup’s CitiCapital equipment finance unit to General Electric.
	b)	The sale of substantially all of Citigroup’s Retail Banking Operations in Germany to Credit Mutuel.
	c)	The announced sale of Nikko Cordial Securities to Sumitomo Mitsui Banking Corporation.

Reclassified to conform to the current period’s presentation.

CITIGROUP CONSOLIDATED BALANCE SHEET

(In millions of dollars)

	March 31,			June 30,			September 30,			December 31,			March 31,			June 30,			September 30,			December 31,			March 31,
	2007			2007			2007			2007			2008			2008			2008			2008			2009
Assets
Cash and due from banks (including segregated cash and other deposits)	$	24,421		$	30,635		$	38,226		$	38,206		$	30,837		$	44,824		$	63,026		$	29,253		$	31,063
Deposits with banks	44,906			70,897			58,713			69,366			73,318			67,945			78,670			170,331			159,503
Fed funds sold and securities borr’d or purch under agree. to resell	303,925			348,129			383,217			274,066			239,006			220,169			225,409			184,133			179,603
Brokerage receivables	51,976			61,144			69,062			57,359			65,653			62,492			80,532			44,278			43,329
Trading account assets	460,065			538,316			581,220			538,984			578,437			505,439			457,462			377,635			335,222
Investments
Available-for-sale and non-marketable equity securities	286,566			257,879			240,827			215,007			204,154			232,527			205,730			191,561			178,046
Held-to-maturity	1			1			1			1			1			1			1			64,459			60,760
Total Investments	286,567			257,880			240,828			215,008			204,155			232,528			205,731			256,020			238,806
Loans, net of unearned income
Consumer	519,105			551,223			570,891			592,307			596,987			571,238			543,436			519,673			489,805
Corporate	174,239			191,701			203,078			185,686			192,856			175,552			173,519			174,543			167,487
Loans, net of unearned income	693,344			742,924			773,969			777,993			789,843			746,790			716,955			694,216			657,292
Allowance for loan losses	(9,510		)	(10,381		)	(12,728		)	(16,117		)	(18,257		)	(20,777		)	(24,005		)	(29,616		)	(31,703		)
Total loans, net	683,834			732,543			761,241			761,876			771,586			726,013			692,950			664,600			625,589
Goodwill	34,229			39,080			39,798			41,053			43,471			42,386			39,662			27,132			26,410
Intangible assets (other than MSR’s)	10,498			12,903			13,694			14,307			16,229			15,608			15,118			14,159			13,612
Mortgage servicing rights (MSR’s)	8,832			10,072			9,957			8,380			7,716			8,934			8,346			5,657			5,481
Other assets	111,562			119,116			162,159			168,875			169,289			161,101			164,598			165,272			163,960
Assets of discontinued operations held for sale	—			—			—			—			—			12,946			18,627			—			—
Total assets	$	2,020,815		$	2,220,715		$	2,358,115		$	2,187,480		$	2,199,697		$	2,100,385		$	2,050,131		$	1,938,470		$	1,822,578

Liabilities
Non-interest-bearing deposits in U.S. offices	$	39,296		$	41,740		$	38,842		$	40,859		$	43,779		$	49,636		$	61,694		$	60,070		$	83,245
Interest-bearing deposits in U.S. offices	198,840			196,481			211,147			225,198			226,285			210,916			215,423			229,906			214,673
Total U.S. Deposits	238,136			238,221			249,989			266,057			270,064			260,552			277,117			289,976			297,918
Non-interest-bearing deposits in offices outside the U.S.	36,328			39,132			43,052			43,335			45,230			46,765			46,348			37,412			36,602
Interest-bearing deposits in offices outside the U.S.	464,057			494,408			519,809			516,838			515,914			496,325			456,878			446,797			428,176
Total International Deposits	500,385			533,540			562,861			560,173			561,144			543,090			503,226			484,209			464,778

Total deposits	738,521			771,761			812,850			826,230			831,208			803,642			780,343			774,185			762,696
Fed funds purch and securities loaned or sold under agree. to repurch.	393,670			394,143			440,369			304,243			279,561			246,107			250,419			205,293			184,803
Brokerage payables	88,722			96,528			94,830			84,951			95,597			96,432			117,536			70,916			58,950
Trading account liabilities	173,902			217,992			215,623			182,082			201,986			189,468			169,283			167,478			130,826
Short-term borrowings	111,179			167,139			194,304			146,488			135,799			114,445			104,855			126,691			116,389
Long-term debt	310,768			340,077			364,526			427,112			424,959			417,928			393,097			359,593			337,252
Other liabilities (1)	79,120			99,571			102,752			97,619			98,277			90,987			90,801			90,292			85,735
Liabilities of discontinued operations held for sale	—			—			—			—			—			456			14,273			—			—
Total liabilities	$	1,895,882		$	2,087,211		$	2,225,254		$	2,068,725		$	2,067,387		$	1,959,465		$	1,920,607		$	1,794,448		$	1,676,651

Equity
Stockholders’ Equity
Preferred Stock	$	1,000		$	600		$	200		$	—		$	19,384		$	27,424		$	27,424		$	70,664		$	74,246
Common Stock	55			55			55			55			55			57			57			57			57
Additional paid-in capital	17,341			17,725			18,297			18,007			11,131			16,594			16,884			19,165			16,525
Retained earnings	131,244			134,781			134,294			121,769			114,899			110,290			105,340			86,521			86,115
Treasury stock	(23,833		)	(22,588		)	(22,329		)	(21,724		)	(10,020		)	(9,911		)	(9,642		)	(9,582		)	(5,996		)
Accumulated other comprehensive income (loss)	(3,875		)	(2,970		)	(3,555		)	(4,660		)	(7,381		)	(8,049		)	(14,001		)	(25,195		)	(27,013		)
Total Citigroup stockholders’ equity	$	121,932		$	127,603		$	126,962		$	113,447		$	128,068		$	136,405		$	126,062		$	141,630		$	143,934
Noncontrolling Minority interests (Minority Interest)	3,001			5,901			5,899			5,308			4,242			4,515			3,462			2,392			1,993
Total equity	124,933			133,504			132,861			118,755			132,310			140,920			129,524			144,022			145,927
Total liabilities and equity	$	2,020,815		$	2,220,715		$	2,358,115		$	2,187,480		$	2,199,697		$	2,100,385		$	2,050,131		$	1,938,470		$	1,822,578

(1) Includes allowance for credit losses for letters of credit and unfunded lending commitments of $1,100 million for the first and second quarters of 2007, $1,150 million for the third quarter of 2007 and $1,250 million for the fourth quarter of 2007, respectively.

Includes allowance for credit losses for letters of credit and unfunded lending commitments of $1,250 million for the first quarter of 2008, $1,107 million for the second quarter of 2008, $957 million for the third quarter of 2008, and $887 million for the fourth quarter of 2008, respectively, and $947 million for the first quarter of 2009.

Reclassified to conform to the current period’s presentation.

CITIGROUP
SEGMENT DETAIL
NET REVENUE

(In millions of dollars)

																												Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2007			2007			2007			2007			2008			2008			2008			2008			2009			2006			2007			2008

CITICORP
Regional Consumer Banking
North America	$	2,480		$	2,366		$	2,479		$	2,448		$	2,334		$	2,111		$	1,472		$	1,847		$	2,089		$	10,261		$	9,773		$	7,764
EMEA	330			374			410			473			461			508			498			398			360			1,058			1,587			1,865
Latin America	1,772			1,989			2,098			2,420			2,235			2,371			2,300			1,852			1,791			6,334			8,279			8,758
Asia	1,539			1,655			1,705			2,105			1,944			1,891			1,839			1,613			1,531			5,710			7,004			7,287
Total	6,121			6,384			6,692			7,446			6,974			6,881			6,109			5,710			5,771			23,363			26,643			25,674

Securities and Banking
North America	3,206			2,431			1,894			1,467			3,592			3,507			4,018			(130		)	5,244			8,097			8,998			10,987
EMEA	2,182			2,228			1,607			1,739			1,733			1,970			1,395			908			4,221			6,527			7,756			6,006
Latin America	738			753			829			841			681			722			469			497			798			2,378			3,161			2,369
Asia	1,196			1,418			1,517			1,310			1,712			1,207			1,463			1,191			2,161			3,840			5,441			5,573
Total	7,322			6,830			5,847			5,357			7,718			7,406			7,345			2,466			12,424			20,842			25,356			24,935
Transaction Services
North America	331			374			454			487			506			511			540			604			589			1,240			1,646			2,161
EMEA	639			728			783			849			884			947			953			893			844			2,279			2,999			3,677
Latin America	253			278			309			359			340			374			378			347			343			952			1,199			1,439
Asia	458			515			588			693			687			647			695			640			598			1,646			2,254			2,669
Total	1,681			1,895			2,134			2,388			2,417			2,479			2,566			2,484			2,374			6,117			8,098			9,946

Total Citicorp	15,124			15,109			14,673			15,191			17,109			16,766			16,020			10,660			20,569			50,322			60,097			60,555

CITI HOLDINGS
Brokerage and Asset Management	2,465			2,808			2,696			2,690			2,390			2,467			2,094			1,472			1,701			8,909			10,659			8,423
Local Consumer Lending	6,222			6,429			7,194			6,905			7,500			6,224			5,432			5,297			6,453			24,289			26,750			24,453
Special Asset Pool	1,186			1,770			(2,810		)	(18,042		)	(14,408		)	(6,612		)	(6,822		)	(11,732		)	(4,702		)	4,724			(17,896		)	(39,574		)
Total Citi Holdings	9,873			11,007			7,080			(8,447		)	(4,518		)	2,079			704			(4,963		)	3,452			37,922			19,513			(6,698		)

Corporate / Other	(351		)	(668		)	(564		)	(727		)	(434		)	(1,307		)	(466		)	(51		)	500			(1,917		)	(2,310		)	(2,258		)

Total Citigroup - Net Revenues	$	24,646		$	25,448		$	21,189		$	6,017		$	12,157		$	17,538		$	16,258		$	5,646		$	24,521		$	86,327		$	77,300		$	51,599

Reclassified to conform to the current period’s presentation.

CITIGROUP
SEGMENT DETAIL
INCOME

(In millions of dollars)

																												Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2007			2007			2007			2007			2008			2008			2008			2008			2009			2006			2007			2008

Income from Continuing Operations:

CITICORP
Regional Consumer Banking
North America	$	581		$	406		$	588		$	292		$	345		$	169		$	(44	)	$	(2,048	)	$	197		$	2,605		$	1,867		$	(1,578	)
EMEA	(15		)	29			27			55			19			37			31			(37		)	(33		)	29			96			50
Latin America	420			416			255			525			431			334			102			(4,215		)	169			1,715			1,616			(3,348		)
Asia	429			487			408			686			536			451			357			392			251			1,644			2,010			1,736
Total	1,415			1,338			1,278			1,558			1,331			991			446			(5,908		)	584			5,993			5,589			(3,140		)

Securities and Banking
North America	773			623			577			(286		)	1,382			646			1,340			(1,093		)	2,567			1,285			1,687			2,275
EMEA	565			690			432			(92		)	196			376			102			(18		)	2,172			1,431			1,595			656
Latin America	332			344			334			426			301			325			227			195			399			1,173			1,436			1,048
Asia	439			372			483			501			627			306			569			471			1,056			1,086			1,795			1,973
Total	2,109			2,029			1,826			549			2,506			1,653			2,238			(445		)	6,194			4,975			6,513			5,952
Transaction Services
North America	30			53			65			61			88			61			94			80			138			67			209			323
EMEA	183			210			197			226			278			299			348			321			326			562			816			1,246
Latin America	90			103			123			147			141			151			159			137			160			324			463			588
Asia	190			208			246			324			304			278			317			297			280			621			968			1,196
Total	493			574			631			758			811			789			918			835			904			1,574			2,456			3,353

Total Citicorp	4,017			3,941			3,735			2,865			4,648			3,433			3,602			(5,518		)	7,682			12,542			14,558			6,165

CITI HOLDINGS
Brokerage and Asset Management	363			516			388			440			(114		)	267			(57		)	(860		)	58			1,142			1,707			(764		)
Local Consumer Lending	1,100			1,254			449			(1,091		)	125			(1,206		)	(2,285		)	(4,888		)	(1,419		)	5,885			1,712			(8,254		)
Special Asset Pool	598			954			(1,930		)	(11,733		)	(9,161		)	(4,286		)	(4,594		)	(8,953		)	(3,975		)	2,413			(12,111		)	(26,994		)
Total Citi Holdings	2,061			2,724			(1,093		)	(12,384		)	(9,150		)	(5,225		)	(6,936		)	(14,701		)	(5,336		)	9,440			(8,692		)	(36,012		)

Corporate / Other	(1,160		)	(565		)	(545		)	(404		)	(684		)	(537		)	(187		)	(774		)	(652		)	(1,242		)	(2,674		)	(2,182		)

Income (Loss) From Continuing Operations	4,918			6,100			2,097			(9,923		)	(5,186		)	(2,329		)	(3,521		)	(20,993		)	1,694			20,740			3,192			(32,029		)
Discontinued Operations	141			225			117			225			59			(94		)	613			3,424			(117		)	1,087			708			4,002

Net Income (Loss) Attributable to Noncontrolling Minority Interests	47			99			2			135			(16		)	72			(93		)	(306		)	(16		)	289			283			(343		)

Citigroup’s Net Income (Loss)	$	5,012		$	6,226		$	2,212		$	(9,833	)	$	(5,111	)	$	(2,495	)	$	(2,815	)	$	(17,263	)	$	1,593		$	21,538		$	3,617		$	(27,684	)

Reclassified to conform to the current period’s presentation.

CITICORP
STATEMENT OF INCOME AND BALANCE SHEET SUMMARY
(In millions of dollars)

																									Full		Full		Full
	1Q		2Q			3Q			4Q		1Q		2Q			3Q			4Q			1Q			Year		Year		Year
	2007		2007			2007			2007		2008		2008			2008			2008			2009			2006		2007		2008
Revenues
Net interest revenue	$	5,491	$	6,294		$	6,723		$	7,092	$	8,030	$	8,634		$	8,316		$	8,990		$	8,187		$	20,948	$	25,600	$	33,970
Non-Interest revenue	9,633		8,815			7,950			8,099		9,079		8,132			7,704			1,670			12,382			29,374		34,497		26,585
Total revenues, net of interest expense	15,124		15,109			14,673			15,191		17,109		16,766			16,020			10,660			20,569			50,322		60,097		60,555

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	535		444			694			1,027		929		1,289			1,317			1,406			1,237			1,696		2,700		4,941
Credit Reserve Build / (Release)	169		332			347			221		474		573			799			1,373			940			18		1,069		3,219
Provision for loan losses	704		776			1,041			1,248		1,403		1,862			2,116			2,779			2,177			1,714		3,769		8,160
Provision for Benefits & Claims	—		(1		)	16			1		1		2			—			3			12			4		16		6
Provision for unfunded lending commitments	—		—			26			53		—		(75		)	(80		)	(36		)	32			132		79		(191		)
Total provisions for credit losses and for benefits and claims	704		775			1,083			1,302		1,404		1,789			2,036			2,746			2,221			1,850		3,864		7,975
Total operating expenses	9,050		8,993			8,254			10,140		9,326		9,900			8,948			15,359			7,197			32,014		36,437		43,533

Income (Loss) from Continuing Operations before
Income Taxes	5,370		5,341			5,336			3,749		6,379		5,077			5,036			(7,445		)	11,151			16,458		19,796		9,047
Provision (benefits) for income taxes	1,353		1,400			1,601			884		1,731		1,644			1,434			(1,927		)	3,469			3,916		5,238		2,882

Income (Loss) from Continuing Operations	4,017		3,941			3,735			2,865		4,648		3,433			3,602			(5,518		)	7,682			12,542		14,558		6,165
Net Income (Loss) attributable to noncontrolling Minority Interests (Minority Interest)	16		14			(9		)	42		13		21			16			(21		)	(3		)	66		63		29
Citicorp’s Net Income (Loss)	$	4,001	$	3,927		$	3,744		$	2,823	$	4,635	$	3,412		$	3,586		$	(5,497	)	$	7,685		$	12,476	$	14,495	$	6,136

Balance Sheet Data (in billions):

Total EOP Assets	$	1,245	$	1,399		$	1,429		$	1,222	$	1,225	$	1,160		$	1,158		$	1,002		$	958		$	1,159	$	1,222	$	1,002

Average Assets	$	1,221	$	1,349		$	1,453		$	1,388	$	1,379	$	1,307		$	1,175		$	1,162		$	1,037		$	1,047	$	1,353	$	1,256

Total EOP Deposits	$	658	$	680		$	722		$	733	$	725	$	681		$	683		$	673		$	660		$	633	$	733	$	673

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
Page 1
(In millions of dollars)

																												Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2007			2007			2007			2007			2008			2008			2008			2008			2009			2006			2007			2008

Net Interest Revenue	$	3,052		$	3,492		$	3,591		$	3,761		$	3,985		$	4,220		$	4,224		$	3,801		$	3,613		$	12,079		$	13,896		$	16,230
Non-Interest Revenue	3,069			2,892			3,101			3,685			2,989			2,661			1,885			1,909			2,158			11,284			12,747			9,444
Total Revenues, Net of Interest Expense (1)	6,121			6,384			6,692			7,446			6,974			6,881			6,109			5,710			5,771			23,363			26,643			25,674
Total Operating Expenses	3,608			3,751			3,916			4,350			3,782			4,194			4,029			10,573			3,306			13,741			15,625			22,578
Net Credit Losses	546			468			650			726			863			981			1,096			1,084			1,160			1,680			2,390			4,024
Credit Reserve Build / (Release)	47			331			327			197			450			382			514			724			664			(94		)	902			2,070
Provision for Benefits & Claims	—			(1		)	15			1			1			2			—			3			12			4			15			6
Provision for Loan Losses and for Benefits and Claims	593			798			992			924			1,314			1,365			1,610			1,811			1,836			1,590			3,307			6,100
Income (loss) from Continuing Operations before Taxes	1,920			1,835			1,784			2,172			1,878			1,322			470			(6,674		)	629			8,032			7,711			(3,004		)
Income Taxes (benefits)	505			497			506			614			547			331			24			(766		)	45			2,039			2,122			136
Income (loss) from Continuing Operations	1,415			1,338			1,278			1,558			1,331			991			446			(5,908		)	584			5,993			5,589			(3,140		)
Net Income (loss) Attributable to Minority Interests	2			6			5			5			1			4			5			1			—			6			18			11
Net Income (Loss)	$	1,413		$	1,332		$	1,273		$	1,553		$	1,330		$	987		$	441		$	(5,909	)	$	584		$	5,987		$	5,571		$	(3,151	)

Average Assets (in billions of dollars)	$	189		$	197		$	200		$	211		$	223		$	230		$	222		$	199		$	182		$	172		$	199		$	219
Return on Assets	3.03		%	2.71		%	2.53		%	2.92		%	2.40		%	1.73		%	0.79		%	(11.81		)%	1.30		%	3.48		%	2.80		%	(1.44		)%

Net Credit Losses as a % of Average Loans	2.05		%	1.67		%	2.22		%	2.33		%	2.65		%	2.99		%	3.35		%	3.65		%	4.14		%

Revenue by Business
Retail Banking	$	2,894		$	3,149		$	3,254		$	3,574		$	3,451		$	3,577		$	3,531		$	3,141		$	2,955		$	11,800		$	12,871		$	13,700
Citi-Branded Cards	3,227			3,235			3,438			3,872			3,523			3,304			2,578			2,569			2,816			11,563			13,772			11,974
Total GAAP Revenues	6,121			6,384			6,692			7,446			6,974			6,881			6,109			5,710			5,771			23,363			26,643			25,674
Net Impact of Credit Card Securitization Activity (2), (3)	506			611			609			813			965			1,246			1,892			1,602			1,483			2,515			2,539			5,705
Total Managed Revenues	$	6,627		$	6,995		$	7,301		$	8,259		$	7,939		$	8,127		$	8,001		$	7,312		$	7,254		$	25,878		$	29,182		$	31,379

Income (loss) from Continuing Operations by Business
Retail Banking	$	481		$	644		$	531		$	744		$	700		$	563		$	563		$	(5,791	)	$	443		$	2,978		$	2,400		$	(3,965	)
Citi-Branded Cards	934			694			747			814			631			428			(117		)	(117		)	141			3,015			3,189			825
Total	$	1,415		$	1,338		$	1,278		$	1,558		$	1,331		$	991		$	446		$	(5,908	)	$	584		$	5,993		$	5,589		$	(3,140	)

(1)	For Citi-Branded Cards, the first through fourth quarters of 2007 and first through second quarters of 2008 include releases of $1 million, $0 million, $47 million, $(2) million, $28 million, $21 million, respectively, from the allowance for credit losses related to loan receivables that were securitized during the quarter.

(2)	Managed-basis (Managed) presentations detail certain non-GAAP financial measures. Managed presentations (applicable only to North American credit card operations, as securitizations are not done in any other regions) include results from both the on-balance sheet loans and off- balance sheet loans, and exclude the impact of card securitization activity. Managed presentations assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as the Citigroup’s owned loans. Citigroup believes that Managed presentations are useful to investors because they are widely used by analysts and investors within the credit card industry. Managed presentations are commonly used by other companies within the financial services industry. See pages 26 - 28 for a further discussion of the Managed presentations and a reconciliation of these measures to their most comparable GAAP measure.

(3)	Net impact of Credit Card Securitization Activity includes the removal of securitization-related items that are part of GAAP revenues such as the gain on sale of credit card loans, mark-to-market revenue for interests retained in securitized assets classified as Trading, and net credit losses on loans that are considered sold for GAAP purposes.

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
Page 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2007			2007			2007			2007			2008			2008			2008			2008			2009

Retail Banking Key Indicators (in billions of dollars, except branches)
Branches	3,904			4,022			4,070			4,266			4,328			4,308			4,255			4,229			4,104
Accounts (in millions)	46.7			46.1			47.3			49.9			50.1			50.7			50.9			50.1			50.1
Average Deposits	$	246.0		$	253.1		$	258.2		$	265.7		$	273.8		$	272.4		$	266.0		$	254.9		$	253.4
Investment Sales (International Only)	$	30.2		$	32.1		$	31.1		$	30.5		$	25.5		$	25.7		$	23.0		$	16.5		$	15.3
Investment AUMs	$	138.6		$	143.4		$	150.5		$	151.4		$	144.0		$	145.0		$	127.4		$	101.1		$	93.5
Average Loans	$	65.7		$	69.6		$	72.8		$	78.4		$	81.6		$	83.9		$	83.2		$	74.8		$	72.3
EOP Loans	$	67.0		$	71.4		$	74.8		$	80.0		$	82.1		$	83.6		$	80.2		$	76.0		$	72.6
Net Interest Revenue as a % of Average Loans	11.10		%	11.36		%	11.21		%	10.92		%	11.05		%	11.37		%	11.60		%	12.04		%	11.73		%
Net Credit Losses as a % of Average Loans	0.53		%	0.34		%	0.79		%	0.90		%	1.11		%	1.34		%	1.51		%	1.78		%	1.92		%
Loans 90+ Days Past Due as a % of EOP Loans	0.83		%	0.84		%	0.87		%	0.88		%	1.03		%	1.03		%	0.99		%	0.96		%	1.15		%

Citi-Branded Cards Key Indicators (in billions of dollars) (1)
EOP Open Accounts (in millions)	59.7			59.1			59.6			61.8			62.0			61.6			61.1			57.7			57.2
Purchase Sales	$	65.0		$	72.0		$	73.5		$	79.2		$	73.6		$	78.3		$	75.5		$	69.1		$	59.6
Average Managed Loans	$	107.3		$	108.5		$	110.4		$	114.8		$	118.1		$	119.2		$	118.4		$	113.5		$	110.6
EOP Managed Loans	$	107.2		$	110.8		$	111.8		$	119.8		$	118.0		$	119.7		$	117.5		$	115.0		$	109.0
Managed Average Yield (2)	14.07		%	14.42		%	14.62		%	14.30		%	14.04		%	14.14		%	14.29		%	13.98		%	14.67		%
Managed Net Interest Revenue as a % of Avg. Managed Loans (3)	9.72		%	10.41		%	10.54		%	10.28		%	10.49		%	11.20		%	11.28		%	11.00		%	12.31		%
Managed Net Credit Losses as a % of Average Managed Loans	4.07		%	3.94		%	4.28		%	4.55		%	5.17		%	5.89		%	6.39		%	7.02		%	8.53		%
Managed Net Credit Margin as a % of Avg. Managed Loans (4)	10.00		%	10.23		%	10.22		%	11.61		%	10.08		%	9.44		%	8.59		%	7.56		%	7.18		%
Managed Loans 90+ Days Past Due as a % of EOP Managed Loans	1.66		%	1.63		%	1.73		%	1.89		%	2.02		%	2.13		%	2.24		%	2.56		%	3.01		%

(1) Managed-basis (Managed) presentations detail certain non-GAAP financial measures. Managed presentations (applicable only to North American credit card operations, as securitizations are not done in any other regions) include results from both the on-balance sheet loans and off- balance sheet loans, and exclude the impact of card securitization activity. Managed presentations assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as the Citigroup’s owned loans. Citigroup believes that Managed presentations are useful to investors because they are widely used by analysts and investors within the credit card industry. Managed presentations are commonly used by other companies within the financial services industry.

See pages 26 - 28 for a further discussion of the Managed presentations and a reconciliation of these measures to their most comparable GAAP measure.

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

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

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

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
NORTH AMERICA
Page 1
(In millions of dollars)

																												Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2007			2007			2007			2007			2008			2008			2008			2008			2009			2006			2007			2008

Net Interest Revenue	$	753		$	786		$	730		$	750		$	808		$	887		$	978		$	989		$	1,020		$	3,889		$	3,019		$	3,662
Non-Interest Revenue	1,727			1,580			1,749			1,698			1,526			1,224			494			858			1,069			6,372			6,754			4,102
Total Revenues, Net of Interest Expense (1)	2,480			2,366			2,479			2,448			2,334			2,111			1,472			1,847			2,089			10,261			9,773			7,764
Total Operating Expenses	1,512			1,515			1,541			1,833			1,473			1,590			1,444			3,881			1,355			6,033			6,401			8,388
Net Credit Losses	139			102			92			117			145			136			144			190			258			369			450			615
Credit Reserve Build / (Release)	(53		)	164			(57		)	42			169			126			(9		)	177			242			(52		)	96			463
Provision for Benefits & Claims	—			(1		)	1			(3		)	—			2			—			3			12			4			(3		)	5
Provision for Loan Losses and for Benefits and Claims	86			265			36			156			314			264			135			370			512			321			543			1,083
Income (loss) from Continuing Operations before Taxes	882			586			902			459			547			257			(107		)	(2,404		)	222			3,907			2,829			(1,707		)
Income Taxes (benefits)	301			180			314			167			202			88			(63		)	(356		)	25			1,302			962			(129		)
Income (loss) from Continuing Operations	581			406			588			292			345			169			(44		)	(2,048		)	197			2,605			1,867			(1,578		)
Net Income (loss) Attributable to Minority Interests	—			—			—			—			—			—			—			—			—			—			—			—
Net Income (Loss)	$	581		$	406		$	588		$	292		$	345		$	169		$	(44	)	$	(2,048	)	$	197		$	2,605		$	1,867		$	(1,578	)

Average Assets (in billions of dollars)	$	41		$	40		$	37		$	37		$	40		$	38		$	32		$	32		$	32		$	37		$	39		$	36
Return on Assets	5.75		%	4.07		%	6.30		%	3.13		%	3.47		%	1.79		%	(0.55		)%	(25.46		)%	2.50		%	7.04		%	4.79		%	(4.38		)%

Net Credit Losses as a % of Average Loans	2.93		%	2.42		%	2.31		%	3.02		%	3.31		%	3.42		%	3.51		%	4.11		%	4.99		%

Revenue by Business
Retail Banking	$	782		$	843		$	803		$	873		$	850		$	952		$	1,004		$	964		$	882		$	3,900		$	3,301		$	3,770
Citi-Branded Cards	1,698			1,523			1,676			1,575			1,484			1,159			468			883			1,207			6,361			6,472			3,994
Total GAAP Revenues	2,480			2,366			2,479			2,448			2,334			2,111			1,472			1,847			2,089			10,261			9,773			7,764
Net Impact of Credit Card Securitization Activity (2), (3)	506			611			609			813			965			1,246			1,892			1,602			1,483			2,515			2,539			5,705
Total Managed Revenues	$	2,986		$	2,977		$	3,088		$	3,261		$	3,299		$	3,357		$	3,364		$	3,449		$	3,572		$	12,776		$	12,312		$	13,469

Income (loss) from Continuing Operations by Business
Retail Banking	$	14		$	40		$	20		$	37		$	2		$	60		$	143		$	(1,993	)	$	81		$	649		$	111		$	(1,788	)
Citi-Branded Cards	567			366			568			255			343			109			(187		)	(55		)	116			1,956			1,756			210
Total	$	581		$	406		$	588		$	292		$	345		$	169		$	(44	)	$	(2,048	)	$	197		$	2,605		$	1,867		$	(1,578	)

(1)	For Citi-Branded Cards, the first through fourth quarters of 2007 and first through second quarters of 2008 include releases of $1 million, $0 million, $47 million, $(2) million, $28 million, $21 million, respectively, from the allowance for credit losses related to loan receivables that were securitized during the quarter.

(2)	Managed-basis (Managed) presentations detail certain non-GAAP financial measures. Managed presentations (applicable only to North American credit card operations, as securitizations are not done in any other regions) include results from both the on-balance sheet loans and off- balance sheet loans, and exclude the impact of card securitization activity. Managed presentations assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as the Citigroup’s owned loans. Citigroup believes that Managed presentations are useful to investors because they are widely used by analysts and investors within the credit card industry. Managed presentations are commonly used by other companies within the financial services industry. See pages 26 - 28 for a further discussion of the Managed presentations and a reconciliation of these measures to their most comparable GAAP measure.

(3)	Net impact of Credit Card Securitization Activity includes the removal of securitization-related items that are part of GAAP revenues such as the gain on sale of credit card loans, mark-to-market revenue for interests retained in securitized assets classified as Trading, and net credit losses on loans that are considered sold for GAAP purposes. See pages 26 - 28 for a further discussion of the Managed presentations and a reconciliation of these measures to their most comparable GAAP measure.

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING

NORTH AMERICA

Page 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2007			2007			2007			2007			2008			2008			2008			2008			2009

Retail Banking Key Indicators (in billions of dollars, except branches)
Branches	993			1,001			1,015			1,046			1,051			1,030			1,010			1,015			1,000
Accounts (in millions)	11.8			11.6			11.9			11.8			11.8			11.7			11.6			11.6			11.9
Investment AUMs	$	50.1		$	47.0		$	47.4		$	45.5		$	42.3		$	41.3		$	38.7		$	32.3		$	30.3
Average Deposits	$	117.3		$	118.6		$	120.6		$	121.8		$	122.5		$	121.6		$	120.6		$	125.5		$	127.9
Average Loans	$	2.0		$	1.7		$	2.0		$	2.2		$	2.3		$	3.4		$	4.5		$	6.0		$	6.9
EOP Loans	$	1.9		$	1.9		$	2.1		$	2.2		$	2.5		$	3.7		$	4.9		$	6.5		$	7.0
Credit Reserve Build / (Release)	$	5.4		$	(0.7	)	$	8.4		$	19.7		$	16.8		$	0.5		$	36.4		$	83.8		$	21.0
Net Interest Revenue as a % of Avg. Loans	7.01		%	7.68		%	8.72		%	6.87		%	7.36		%	5.77		%	4.48		%	4.53		%	3.90		%
Net Credit Losses as a % of Avg. Loans	2.70		%	4.84		%	3.41		%	3.24		%	4.31		%	3.11		%	3.03		%	3.83		%	3.26		%
Loans 90+ Days Past Due as a % of EOP Loans	1.04		%	1.07		%	1.26		%	1.42		%	1.48		%	1.47		%	1.10		%	1.29		%	1.41		%

Citi-Branded Cards Key Indicators (in billions of dollars) (1)
EOP Open Accounts (in millions)	32.0			30.6			30.3			30.8			30.7			30.0			29.2			26.1			25.6
Purchase Sales	$	46.2		$	50.9		$	51.1		$	53.7		$	48.4		$	51.6		$	49.4		$	46.0		$	40.1

Average Managed Loans
Securitized	$	65.0		$	65.6		$	67.3		$	69.5		$	68.8		$	71.2		$	71.3		$	70.2		$	67.5
On Balance Sheet	17.1			15.2			13.6			13.1			15.3			12.5			11.8			12.4			14.0
Total	$	82.1		$	80.8		$	80.9		$	82.6		$	84.1		$	83.7		$	83.1		$	82.6		$	81.5

EOP Managed Loans
Securitized	$	66.8		$	66.9		$	69.9		$	69.7		$	70.8		$	71.7		$	71.1		$	69.5		$	68.3
On Balance Sheet	14.2			15.0			11.4			16.6			12.9			11.6			12.6			14.3			12.0
Total	$	81.0		$	81.9		$	81.3		$	86.3		$	83.7		$	83.3		$	83.7		$	83.8		$	80.3

Managed Average Yield (2)	12.11		%	12.12		%	12.40		%	12.09		%	11.38		%	11.09		%	11.55		%	11.91		%	13.09		%
Managed Net Interest Revenue as a % of Avg. Managed Loans (3)	7.75		%	7.75		%	7.95		%	7.73		%	7.70		%	8.12		%	8.64		%	9.03		%	11.03		%
Managed Net Credit Losses as a % of Average Managed Loans	3.68		%	3.67		%	3.73		%	4.17		%	4.79		%	5.54		%	5.90		%	6.68		%	8.42		%
Managed Net Credit Margin as a % of Avg. Managed Loans (4)	7.17		%	6.88		%	7.42		%	7.26		%	6.88		%	5.96		%	5.35		%	5.22		%	4.91		%
Managed Loans 90+ Days Past Due as a % of EOP Managed Loans	1.46		%	1.37		%	1.51		%	1.67		%	1.88		%	1.96		%	2.07		%	2.48		%	2.95		%

(1)	Managed-basis (Managed) presentations detail certain non-GAAP financial measures. Managed presentations (applicable only to North American credit card operations, as securitizations are not done in any other regions) include results from both the on-balance sheet loans and off- balance sheet loans, and exclude the impact of card securitization activity. Managed presentations assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as the Citigroup’s owned loans. Citigroup believes that Managed presentations are useful to investors because they are widely used by analysts and investors within the credit card industry. Managed presentations are commonly used by other companies within the financial services industry. See pages 26 - 28 for a further discussion of the Managed presentations and a reconciliation of these measures to their most comparable GAAP measure.

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

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

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

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
EMEA
PAGE 1
(In millions of dollars)

																												Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2007			2007			2007			2007			2008			2008			2008			2008			2009			2006			2007			2008

Net Interest Revenue	$	177		$	229		$	269		$	292		$	299		$	335		$	350		$	285		$	224		$	658		$	967		$	1,269
Non-Interest Revenue	153			145			141			181			162			173			148			113			136			400			620			596
Total Revenues, Net of Interest Expense	330			374			410			473			461			508			498			398			360			1,058			1,587			1,865
Total Operating Expenses	297			310			318			340			375			395			372			358			256			968			1,265			1,500
Net Credit Losses	21			17			32			43			47			48			55			87			89			65			113			237
Credit Reserve Build / (Release)	51			10			24			11			16			15			33			11			72			(11		)	96			75
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—			—			—			—
Provision for Loan Losses and for Benefits and Claims	72			27			56			54			63			63			88			98			161			54			209			312
Income (loss) from Continuing Operations before Taxes	(39		)	37			36			79			23			50			38			(58		)	(57		)	36			113			53
Income Taxes (benefits)	(24		)	8			9			24			4			13			7			(21		)	(24		)	7			17			3
Income (loss) from Continuing Operations	(15		)	29			27			55			19			37			31			(37		)	(33		)	29			96			50
Net Income (loss) Attributable to Minority Interests	3			6			4			5			2			4			5			1			—			7			18			12
Net Income (Loss)	$	(18	)	$	23		$	23		$	50		$	17		$	33		$	26		$	(38	)	$	(33	)	$	22		$	78		$	38

Average Assets (in billions of dollars)	$	8		$	9		$	10		$	12		$	13		$	14		$	14		$	11		$	11		$	6		$	10		$	13
Return on Assets	(0.91		)%	1.03		%	0.91		%	1.65		%	0.53		%	0.95		%	0.74		%	(1.37		)%	(1.22		)%	0.37		%	0.78		%	0.29		%

Net Credit Losses as a % of Average Loans	1.45		%	1.07		%	1.69		%	1.94		%	2.02		%	1.92		%	2.13		%	4.09		%	4.54		%

Revenue by Business
Retail Banking	$	218		$	247		$	271		$	303		$	296		$	325		$	310		$	229		$	205		$	718		$	1,039		$	1,160
Citi-Branded Cards	112			127			139			170			165			183			188			169			155			340			548			705
Total	$	330		$	374		$	410		$	473		$	461		$	508		$	498		$	398		$	360		$	1,058		$	1,587		$	1,865

Income (loss) from Continuing Operations by Business
Retail Banking	$	(33	)	$	6		$	4		$	15		$	(8	)	$	6		$	(2	)	$	(53	)	$	(41	)	$	(7	)	$	(8	)	$	(57	)
Citi-Branded Cards	18			23			23			40			27			31			33			16			8			36			104			107
Total	$	(15	)	$	29		$	27		$	55		$	19		$	37		$	31		$	(37	)	$	(33	)	$	29		$	96		$	50

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
EMEA
PAGE 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2007			2007			2007			2007			2008			2008			2008			2008			2009

Retail Banking Key Indicators (in billions of dollars, except branches)
Branches	395			393			398			410			450			446			455			446			401
Accounts (in millions)	3.4			3.6			3.7			3.9			4.0			4.1			4.2			4.2			4.2
Average Deposits	$	7.8		$	8.6		$	9.6		$	10.4		$	11.2		$	11.8		$	11.3		$	9.0		$	8.3
Investment Sales	$	1.0		$	1.0		$	1.1		$	1.3		$	0.9		$	0.8		$	0.7		$	0.3		$	0.4
Investment AUMs	$	4.9		$	6.2		$	6.5		$	6.8		$	6.6		$	6.6		$	5.6		$	4.0		$	3.5
Average Loans	$	4.4		$	4.9		$	5.5		$	6.6		$	6.7		$	7.2		$	7.3		$	5.7		$	5.4
EOP Loans	$	4.6		$	5.3		$	5.8		$	6.7		$	6.9		$	7.5		$	7.2		$	6.3		$	5.5
Net Interest Revenue as a % of Average Loans	10.62		%	10.94		%	11.66		%	10.46		%	10.50		%	10.99		%	11.14		%	11.04		%	9.26		%
Net Credit Losses as a % of Average Loans	1.18		%	0.69		%	1.49		%	1.79		%	1.80		%	1.70		%	1.99		%	4.41		%	4.50		%
Loans 90+ Days Past Due as a % of EOP Loans	0.45		%	0.42		%	0.43		%	0.45		%	0.48		%	0.61		%	0.48		%	0.75		%	1.06		%

Citi-Branded Cards Key Indicators (in billions of dollars)
EOP Open Accounts (in millions)	1.8			2.0			2.2			2.3			2.5			2.6			2.7			2.8			2.8
Purchase Sales	$	1.4		$	1.7		$	1.9		$	2.3		$	2.3		$	2.6		$	2.7		$	2.3		$	1.8
Average Loans	$	1.5		$	1.7		$	2.0		$	2.3		$	2.6		$	2.9		$	3.1		$	2.7		$	2.5
EOP Loans	$	1.6		$	1.9		$	2.1		$	2.5		$	2.7		$	3.1		$	3.1		$	2.8		$	2.5
Average Yield (1)	23.80		%	23.59		%	23.64		%	23.53		%	20.70		%	19.70		%	19.30		%	19.45		%	19.67		%
Net Interest Revenue as a % of Avg. Loans (2)	16.51		%	21.70		%	21.42		%	20.05		%	19.16		%	19.14		%	18.76		%	18.25		%	16.09		%
Net Credit Losses as a % of Average Loans	2.24		%	2.16		%	2.26		%	2.35		%	2.61		%	2.47		%	2.45		%	3.43		%	4.62		%
Net Credit Margin as a % of Avg. Loans (3)	27.72		%	27.06		%	25.69		%	26.48		%	22.94		%	22.92		%	21.82		%	21.07		%	20.23		%
Loans 90+ Days Past Due as a % of EOP Loans	0.92		%	0.69		%	0.74		%	0.84		%	0.75		%	0.61		%	1.12		%	1.28		%	2.22		%

(1)		Average Yield is gross interest revenue earned divided by average loans.
(2)		Net Interest Revenue includes certain fees that are recorded as interest revenue.
(3)		Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

Reclassified to conform to the current period’s presentation.


CITICORP REGIONAL CONSUMER BANKING LATIN AMERICA PAGE 1 (In millions of dollars)

																												Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2007			2007			2007			2007			2008			2008			2008			2008			2009			2006			2007			2008

Net Interest Revenue	$	1,149		$	1,413		$	1,482		$	1,523		$	1,636		$	1,741		$	1,669		$	1,345		$	1,251		$	3,928		$	5,567		$	6,391
Non-Interest Revenue	623			576			616			897			599			630			631			507			540			2,406			2,712			2,367
Total Revenues, Net of Interest Expense	1,772			1,989			2,098			2,420			2,235			2,371			2,300			1,852			1,791			6,334			8,279			8,758
Total Operating Expenses	981			1,086			1,193			1,243			945			1,238			1,292			5,382			911			3,629			4,503			8,857
Net Credit Losses	242			190			365			392			466			555			640			544			541			656			1,189			2,205
Credit Reserve Build / (Release)	8			159			224			113			237			157			301			421			166			203			504			1,116
Provision for Benefits & Claims	—			—			14			4			1			—			—			—			—			—			18			1
Provision for Loan Losses and for Benefits and Claims	250			349			603			509			704			712			941			965			707			859			1,711			3,322
Income (loss) from Continuing Operations before Taxes	541			554			302			668			586			421			67			(4,495		)	173			1,846			2,065			(3,421		)
Income Taxes (benefits)	121			138			47			143			155			87			(35		)	(280		)	4			131			449			(73		)
Income (loss) from Continuing Operations	420			416			255			525			431			334			102			(4,215		)	169			1,715			1,616			(3,348		)
Net Income (loss) Attributable to Minority Interests	—			—			1			—			—			—			—			—			—			—			1			—
Net Income (Loss)	$	420		$	416		$	254		$	525		$	431		$	334		$	102		$	(4,215	)	$	169		$	1,715		$	1,615		$	(3,348	)

Average Assets (in billions of dollars)	$	58		$	62		$	64		$	69		$	74		$	80		$	81		$	69		$	56		$	53		$	63		$	76
Return on Assets	2.94		%	2.69		%	1.57		%	3.02		%	2.34		%	1.68		%	0.50		%	(24.30		)%	1.22		%	3.24		%	2.56		%	(4.41		)%

Net Credit Losses as a % of Average Loans	4.48		%	2.99		%	5.32		%	5.27		%	6.08		%	6.90		%	7.79		%	7.71		%	8.30		%

Revenue by Business
Retail Banking	$	878		$	947		$	1,027		$	1,127		$	1,053		$	1,060		$	1,067		$	917		$	893		$	3,481		$	3,979		$	4,097
Citi-Branded Cards	894			1,042			1,071			1,293			1,182			1,311			1,233			935			898			2,853			4,300			4,661
Total	$	1,772		$	1,989		$	2,098		$	2,420		$	2,235		$	2,371		$	2,300		$	1,852		$	1,791		$	6,334		$	8,279		$	8,758

Income (loss) from Continuing Operations by Business
Retail Banking	$	183		$	226		$	148		$	255		$	312		$	149		$	112		$	(4,073	)	$	180		$	1,033		$	812		$	(3,500	)
Citi-Branded Cards	237			190			107			270			119			185			(10		)	(142		)	(11		)	682			804			152
Total	$	420		$	416		$	255		$	525		$	431		$	334		$	102		$	(4,215	)	$	169		$	1,715		$	1,616		$	(3,348	)

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
LATIN AMERICA

PAGE 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2007			2007			2007			2007			2008			2008			2008			2008			2009

Retail Banking Key Indicators (in billions of dollars, except branches)
Branches	1,972			2,084			2,107			2,193			2,196			2,201			2,155			2,128			2,065
Accounts (in millions)	16.9			16.0			16.5			17.4			17.3			17.8			17.8			17.5			17.2
Average Deposits	$	34.2		$	38.0		$	39.0		$	40.3		$	41.9		$	41.9		$	41.5		$	35.6		$	34.1
Investment Sales	$	18.3		$	17.5		$	16.2		$	13.2		$	14.6		$	15.4		$	16.2		$	13.4		$	11.5
Investment AUMs	$	35.5		$	37.8		$	39.5		$	40.0		$	40.8		$	44.0		$	38.2		$	29.0		$	26.7
Average Loans	$	11.4		$	13.4		$	14.5		$	15.6		$	16.5		$	17.3		$	17.8		$	15.9		$	15.3
EOP Loans	$	11.9		$	14.0		$	14.9		$	15.9		$	16.3		$	17.3		$	17.1		$	15.7		$	15.4
Net Interest Revenue as a % of Average Loans	19.64		%	18.83		%	18.33		%	17.85		%	17.87		%	16.34		%	15.85		%	15.64		%	16.33		%
Net Credit Losses as a % of Average Loans	0.71		%	(0.42		)%	1.67		%	2.01		%	2.44		%	2.98		%	3.29		%	2.83		%	2.97		%
Loans 90+ Days Past Due as a % of EOP Loans	2.76		%	2.62		%	2.63		%	2.72		%	3.39		%	3.03		%	2.92		%	2.46		%	2.75		%

Citi-Branded Cards Key Indicators (in billions of dollars)
EOP Open Accounts (in millions)	12.0			12.3			12.6			13.1			13.0			13.1			13.1			12.9			12.9
Purchase Sales	$	5.8		$	6.8		$	7.4		$	8.4		$	8.2		$	8.8		$	8.5		$	7.1		$	5.9
Average Loans	$	10.5		$	12.1		$	12.7		$	13.9		$	14.3		$	15.0		$	14.9		$	12.1		$	11.1
EOP Loans	$	11.4		$	12.5		$	13.2		$	14.4		$	14.5		$	15.4		$	14.0		$	11.8		$	11.0
Average Yield (1)	28.53		%	28.88		%	28.36		%	26.39		%	28.62		%	30.58		%	29.25		%	27.40		%	26.47		%
Net Interest Revenue as a % of Avg. Loans (2)	23.06		%	25.99		%	25.37		%	23.43		%	25.40		%	27.83		%	25.63		%	23.67		%	23.24		%
Net Credit Losses as a % of Average Loans	8.57		%	6.76		%	9.50		%	8.91		%	10.29		%	11.42		%	13.16		%	14.14		%	15.67		%
Net Credit Margin as a % of Avg. Loans (3)	25.99		%	27.78		%	23.96		%	28.00		%	22.92		%	23.70		%	19.73		%	16.64		%	17.14		%
Loans 90+ Days Past Due as a % of EOP Loans	3.29		%	3.68		%	3.60		%	3.86		%	3.74		%	4.10		%	4.31		%	4.80		%	5.04		%

(1)		Average Yield is gross interest revenue earned divided by average loans.
(2)		Net Interest Revenue includes certain fees that are recorded as interest revenue.
(3)		Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
ASIA
PAGE 1
(In millions of dollars)

																												Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2007			2007			2007			2007			2008			2008			2008			2008			2009			2006			2007			2008

Net Interest Revenue	$	973		$	1,064		$	1,110		$	1,196		$	1,242		$	1,257		$	1,227		$	1,182		$	1,118		$	3,604		$	4,343		$	4,908
Non-Interest Revenue	566			591			595			909			702			634			612			431			413			2,106			2,661			2,379
Total Revenues, Net of Interest Expense	1,539			1,655			1,705			2,105			1,944			1,891			1,839			1,613			1,531			5,710			7,004			7,287
Total Operating Expenses	818			840			864			934			989			971			921			952			784			3,111			3,456			3,833
Net Credit Losses	144			159			161			174			205			242			257			263			272			590			638			967
Credit Reserve Build / (Release)	41			(2		)	136			31			28			84			189			115			184			(234		)	206			416
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—			—			—			—
Provision for Loan Losses and for Benefits and Claims	185			157			297			205			233			326			446			378			456			356			844			1,383
Income (loss) from Continuing Operations before Taxes	536			658			544			966			722			594			472			283			291			2,243			2,704			2,071
Income Taxes (benefits)	107			171			136			280			186			143			115			(109		)	40			599			694			335
Income (loss) from Continuing Operations	429			487			408			686			536			451			357			392			251			1,644			2,010			1,736
Net Income (loss) Attributable to Minority Interests	(1		)	—			—			—			(1		)	—			—			—			—			(1		)	(1		)	(1		)
Net Income (Loss)	$	430		$	487		$	408		$	686		$	537		$	451		$	357		$	392		$	251		$	1,645		$	2,011		$	1,737
Average Assets (in billions of dollars)	$	82		$	86		$	89		$	93		$	96		$	98		$	95		$	87		$	83		$	76		$	88		$	94
Return on Assets	2.13		%	2.27		%	1.82		%	2.93		%	2.25		%	1.85		%	1.49		%	1.79		%	1.23		%	2.16		%	2.29		%	1.85		%

Net Credit Losses as a % of Average Loans	0.96		%	1.00		%	0.98		%	0.99		%	1.13		%	1.32		%	1.44		%	1.66		%	1.83		%

Revenue by Business
Retail Banking	$	1,016		$	1,112		$	1,153		$	1,271		$	1,252		$	1,240		$	1,150		$	1,031		$	975		$	3,701		$	4,552		$	4,673
Citi-Branded Cards	523			543			552			834			692			651			689			582			556			2,009			2,452			2,614
Total	$	1,539		$	1,655		$	1,705		$	2,105		$	1,944		$	1,891		$	1,839		$	1,613		$	1,531		$	5,710		$	7,004		$	7,287

Income (loss) from Continuing Operations by Business
Retail Banking	$	317		$	372		$	359		$	437		$	394		$	348		$	310		$	328		$	223		$	1,303		$	1,485		$	1,380
Citi-Branded Cards	112			115			49			249			142			103			47			64			28			341			525			356
Total	$	429		$	487		$	408		$	686		$	536		$	451		$	357		$	392		$	251		$	1,644		$	2,010		$	1,736

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
ASIA
PAGE 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2007			2007			2007			2007			2008			2008			2008			2008			2009

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

Branches	544			544			550			617			631			631			635			640			638
Accounts (in millions)	14.6			14.9			15.2			16.8			17.0			17.1			17.3			16.8			16.8
Average Deposits	$	86.7		$	87.9		$	89.0		$	93.2		$	98.2		$	97.1		$	92.6		$	84.8		$	83.1
Investment Sales	$	10.9		$	13.6		$	13.8		$	16.0		$	10.0		$	9.5		$	6.1		$	2.8		$	3.4
Investment AUMs	$	48.1		$	52.4		$	57.1		$	59.1		$	54.3		$	53.1		$	44.9		$	35.8		$	33.0
Average Loans	$	47.9		$	49.6		$	50.8		$	54.0		$	56.1		$	56.0		$	53.6		$	47.2		$	44.7
EOP Loans	$	48.6		$	50.2		$	52.0		$	55.2		$	56.4		$	55.1		$	51.0		$	47.5		$	44.7
Net Interest Revenue as a % of Average Loans	5.33		%	5.57		%	5.60		%	5.65		%	5.72		%	5.77		%	5.79		%	6.44		%	6.46		%
Net Credit Losses as a % of Average Loans	0.34		%	0.36		%	0.36		%	0.37		%	0.50		%	0.68		%	0.73		%	0.85		%	0.87		%
Loans 90+ Days Past Due as a % of EOP Loans	0.39		%	0.39		%	0.39		%	0.38		%	0.39		%	0.43		%	0.40		%	0.45		%	0.57		%

Citi-Branded Cards Key Indicators (in billions of dollars)

EOP Open Accounts (in millions)	13.9			14.2			14.5			15.6			15.8			15.9			16.1			15.9			15.9
Purchase Sales	$	11.6		$	12.6		$	13.1		$	14.8		$	14.7		$	15.3		$	14.9		$	13.7		$	11.8
Average Loans	$	13.2		$	13.9		$	14.8		$	16.0		$	17.1		$	17.6		$	17.3		$	16.1		$	15.5
EOP Loans	$	13.2		$	14.5		$	15.2		$	16.6		$	17.1		$	17.9		$	16.7		$	16.6		$	15.2
Average Yield (1)	13.75		%	14.05		%	13.80		%	13.91		%	13.82		%	13.79		%	13.64		%	13.55		%	13.72		%
Net Interest Revenue as a % of Avg. Loans (2)	10.52		%	10.84		%	10.54		%	10.61		%	10.44		%	10.39		%	10.25		%	10.34		%	10.62		%
Net Credit Losses as a % of Average Loans	3.18		%	3.31		%	3.10		%	3.06		%	3.17		%	3.36		%	3.63		%	4.02		%	4.62		%
Net Credit Margin as a % of Avg. Loans (3)	12.85		%	12.34		%	11.70		%	17.66		%	13.09		%	11.54		%	12.20		%	10.40		%	9.94		%
Loans 90+ Days Past Due as a % of EOP Loans	1.59		%	1.43		%	1.43		%	1.50		%	1.49		%	1.53		%	1.57		%	1.57		%	2.04		%

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

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

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

Reclassified to conform to the current period’s presentation.

CITICORP
INSTITUTIONAL CLIENTS GROUP

(In millions of dollars)

																												Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2007			2007			2007			2007			2008			2008			2008			2008			2009			2006			2007			2008
Commissions and Fees	$	712		$	703		$	839		$	902		$	739		$	690		$	709		$	569		$	418		$	2,624		$	3,156		$	2,707
Administration and Other Fiduciary Fees	1,106			1,207			1,324			1,377			1,400			1,433			1,441			1,304			1,248			3,974			5,014			5,578
Investment Banking	1,473			1,383			1,298			1,245			869			1,396			740			324			940			4,272			5,399			3,329
Principal Transactions	2,963			2,336			641			1,072			3,004			1,954			3,122			(1,522		)	7,150			5,934			7,012			6,558
Other	310			294			747			(182		)	78			(2		)	(193		)	(914		)	468			1,286			1,169			(1,031		)
Total Non-Interest Revenue	6,564			5,923			4,849			4,414			6,090			5,471			5,819			(239		)	10,224			18,090			21,750			17,141
Net Interest Revenue (including Dividends)	2,439			2,802			3,132			3,331			4,045			4,414			4,092			5,189			4,574			8,869			11,704			17,740
Total Revenues, Net of Interest Expense	9,003			8,725			7,981			7,745			10,135			9,885			9,911			4,950			14,798			26,959			33,454			34,881
Total Operating Expenses	5,442			5,242			4,338			5,790			5,544			5,706			4,919			4,786			3,891			18,273			20,812			20,955
Net Credit Losses	(11		)	(24		)	44			301			66			308			221			322			77			16			310			917
Provision for Unfunded Lending Commitments	—			—			26			53			—			(75		)	(80		)	(36		)	32			132			79			(191		)
Credit Reserve Build / (Release)	122			1			20			24			24			191			285			649			276			112			167			1,149
Provision for Benefits & Claims	—			—			1			—			—			—			—			—			—			—			1			—
Provision for Credit Losses and for Benefits and Claims	111			(23		)	91			378			90			424			426			935			385			260			557			1,875
Income (loss) from Continuing Operations before Taxes	3,450			3,506			3,552			1,577			4,501			3,755			4,566			(771		)	10,522			8,426			12,085			12,051
Income Taxes (benefits)	848			903			1,095			270			1,184			1,313			1,410			(1,161		)	3,424			1,877			3,116			2,746
Income (loss) from Continuing Operations	2,602			2,603			2,457			1,307			3,317			2,442			3,156			390			7,098			6,549			8,969			9,305
Net Income (loss) Attributable to Minority Interests	14			8			(14		)	37			12			17			11			(22		)	(3		)	60			45			18
Net Income (Loss)	$	2,588		$	2,595		$	2,471		$	1,270		$	3,305		$	2,425		$	3,145		$	412		$	7,101		$	6,489		$	8,924		$	9,287

Average Assets (in billions of dollars)	$	1,032		$	1,152		$	1,253		$	1,177		$	1,156		$	1,077		$	953		$	963		$	855		$	875		$	1,154		$	1,037
Return on Assets	1.02		%	0.90		%	0.78		%	0.43		%	1.15		%	0.91		%	1.31		%	0.17		%	3.37		%	0.74		%	0.77		%	0.90		%

Revenue by Region
North America	$	3,537		$	2,805		$	2,348		$	1,954		$	4,098		$	4,018		$	4,558		$	474		$	5,833		$	9,337		$	10,644		$	13,148
EMEA	2,821			2,956			2,390			2,588			2,617			2,917			2,348			1,801			5,065			8,806			10,755			9,683
Latin America	991			1,031			1,138			1,200			1,021			1,096			847			844			1,141			3,330			4,360			3,808
Asia	1,654			1,933			2,105			2,003			2,399			1,854			2,158			1,831			2,759			5,486			7,695			8,242
Total	$	9,003		$	8,725		$	7,981		$	7,745		$	10,135		$	9,885		$	9,911		$	4,950		$	14,798		$	26,959		$	33,454		$	34,881

Income (loss) from Continuing Operations by Region
North America	$	803		$	676		$	642		$	(225	)	$	1,470		$	707		$	1,434		$	(1,013	)	$	2,705		$	1,352		$	1,896		$	2,598
EMEA	748			900			629			134			474			675			450			303			2,498			1,993			2,411			1,902
Latin America	422			447			457			573			442			476			386			332			559			1,497			1,899			1,636
Asia	629			580			729			825			931			584			886			768			1,336			1,707			2,763			3,169
Total	$	2,602		$	2,603		$	2,457		$	1,307		$	3,317		$	2,442		$	3,156		$	390		$	7,098		$	6,549		$	8,969		$	9,305

Average Loans by Region (in billions)
North America	$	176		$	194		$	209		$	211		$	202		$	192		$	179		$	185		$	174
EMEA	5			7			9			9			9			10			10			8			6
Latin America	11			12			13			13			13			13			13			11			10
Asia	8			9			10			11			12			13			13			11			9
Total	$	200		$	222		$	241		$	244		$	236		$	228		$	215		$	215		$	199

Reclassified to conform to the current period’s presentation.

CITICORP
INSTITUTIONAL CLIENTS GROUP

SECURITIES AND BANKING

(In millions of dollars)

																												Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2007			2007			2007			2007			2008			2008			2008			2008			2009			2006			2007			2008
Net Interest Revenue	$	1,550		$	1,807		$	2,016		$	2,077		$	2,750		$	3,100		$	2,670		$	3,735		$	3,168		$	5,654		$	7,450		$	12,255
Non-Interest Revenue	5,772			5,023			3,831			3,280			4,968			4,306			4,675			(1,269		)	9,256			15,188			17,906			12,680
Total Revenues, Net of Interest Expense	7,322			6,830			5,847			5,357			7,718			7,406			7,345			2,466			12,424			20,842			25,356			24,935
Total Operating Expenses	4,433			4,148			3,142			4,455			4,284			4,371			3,667			3,477			2,817			14,424			16,178			15,799
Net Credit Losses	(13		)	(23		)	44			298			65			305			223			306			74			(6		)	306			899
Provision for Unfunded Lending Commitments	—			—			26			53			—			(75		)	(74		)	(36		)	32			132			79			(185		)
Credit Reserve Build / (Release)	121			7			20			53			23			183			288			632			278			96			201			1,126
Provision for Benefits & Claims	—			—			1			—			—			—			—			—			—			—			1			—
Provision for Loan Losses and for Benefits and Claims	108			(16		)	91			404			88			413			437			902			384			222			587			1,840
Income (loss) from Continuing Operations before Taxes	2,781			2,698			2,614			498			3,346			2,622			3,241			(1,913		)	9,223			6,196			8,591			7,296
Income Taxes (benefits)	672			669			788			(51		)	840			969			1,003			(1,468		)	3,029			1,221			2,078			1,344
Income (loss) from Continuing Operations	2,109			2,029			1,826			549			2,506			1,653			2,238			(445		)	6,194			4,975			6,513			5,952
Net Income (loss) Attributable to Minority Interests	10			4			(19		)	30			4			8			2			(27		)	1			57			25			(13		)
Net Income (Loss)	$	2,099		$	2,025		$	1,845		$	519		$	2,502		$	1,645		$	2,236		$	(418	)	$	6,193		$	4,918		$	6,488		$	5,965

Average Assets (in billions of dollars)	969			1,081			1,181			1,106			1,083			1,004			883			894			796			812			1,085			966
Return on Assets	0.88		%	0.75		%	0.62		%	0.19		%	0.93		%	0.66		%	1.01		%	(0.19		)%	3.16		%	0.61		%	0.60		%	0.62		%

Revenue Details:
Investment Banking:
Advisory (1)	$	408		$	377		$	412		$	507		$	284		$	259		$	265		$	230		$	227		$	1,251		$	1,704		$	1,038
Equity Underwriting	380			375			269			340			158			419			47			5			143			888			1,364			629
Debt Underwriting	770			651			595			486			388			657			306			227			612			2,534			2,502			1,578
Total Investment Banking	1,558			1,403			1,276			1,333			830			1,335			618			462			982			4,673			5,570			3,245
Lending	383			328			584			519			919			(155		)	1,262			2,194			(329		)	1,225			1,814			4,220
Equity Markets	1,550			1,674			1,131			847			1,161			1,526			550			(359		)	2,104			4,116			5,202			2,878
Fixed Income Markets	3,569			3,003			2,528			2,407			4,732			4,439			4,756			468			9,721			9,468			11,507			14,395
Private Bank	575			589			626			683			633			593			563			520			499			1,977			2,473			2,309
Other Securities and Banking	(313		)	(167		)	(298		)	(432		)	(557		)	(332		)	(404		)	(819		)	(553		)	(617		)	(1,210		)	(2,112		)
Total Securities and Banking Revenues	$	7,322		$	6,830		$	5,847		$	5,357		$	7,718		$	7,406		$	7,345		$	2,466		$	12,424		$	20,842		$	25,356		$	24,935

Average Deposits and Other Customer Liability Balances (in millions of dollars)	$	3,048		$	3,488		$	3,575		$	3,756		$	3,981		$	4,214		$	4,219		$	3,801		$	3,611

(1) Certain of Citigroup’s Advisory activities are included within the Citi Holdings segment.

Reclassified to conform to the current period’s presentation.

CITICORP

INSTITUTIONAL CLIENTS GROUP

TRANSACTION SERVICES

(In millions of dollars)

																												Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2007			2007			2007			2007			2008			2008			2008			2008			2009			2006			2007			2008
Net Interest Revenue	$	889		$	995		$	1,116		$	1,254		$	1,295		$	1,314		$	1,422		$	1,454		$	1,406		$	3,215		$	4,254		$	5,485
Non-Interest Revenue	792			900			1,018			1,134			1,122			1,165			1,144			1,030			968			2,902			3,844			4,461
Total Revenues, Net of Interest Expense	1,681			1,895			2,134			2,388			2,417			2,479			2,566			2,484			2,374			6,117			8,098			9,946
Total Operating Expenses	1,009			1,094			1,196			1,335			1,260			1,335			1,252			1,309			1,074			3,849			4,634			5,156
Net Credit Losses	2			(1		)	—			3			1			3			(2		)	16			3			22			4			18
Provision for Unfunded Lending Commitments	—			—			—			—			—			—			(6		)	—			—			—			—			(6		)
Credit Reserve Build / (Release)	1			(6		)	—			(29		)	1			8			(3		)	17			(2		)	16			(34		)	23
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—			—			—			—
Provision for Credit Losses and for Benefits and Claims	3			(7		)	—			(26		)	2			11			(11		)	33			1			38			(30		)	35
Income (loss) from Continuing Operations before Taxes	669			808			938			1,079			1,155			1,133			1,325			1,142			1,299			2,230			3,494			4,755
Income Taxes	176			234			307			321			344			344			407			307			395			656			1,038			1,402
Income (loss) from Continuing Operations	493			574			631			758			811			789			918			835			904			1,574			2,456			3,353
Net Income (loss) Attributable to Minority Interests	4			4			5			7			8			9			9			5			(4		)	3			20			31
Net Income (Loss)	$	489		$	570		$	626		$	751		$	803		$	780		$	909		$	830		$	908		$	1,571		$	2,436		$	3,322

Average Assets (in billions of dollars)	$	63		$	71		$	72		$	71		$	73		$	73		$	70		$	69		$	59		$	63		$	69		$	71
Return on Assets	3.15		%	3.22		%	3.45		%	4.20		%	4.42		%	4.30		%	5.17		%	4.79		%	6.24		%	2.49		%	3.53		%	4.68		%

Revenue Details
Treasury and Trade Solutions	$	1,148		$	1,240		$	1,365		$	1,532		$	1,554		$	1,623		$	1,720		$	1,754		$	1,750		$	4,191		$	5,285		$	6,651
Security Services	533			655			769			856			863			856			846			730			624			1,926			2,813			3,295
Total	$	1,681		$	1,895		$	2,134		$	2,388		$	2,417		$	2,479		$	2,566		$	2,484		$	2,374		$	6,117		$	8,098		$	9,946

Average Deposits and Other Customer Liability Balances (in billions)
North America	$	51		$	60		$	55		$	62		$	62		$	53		$	55		$	78		$	76
EMEA	79			88			94			99			105			110			109			106			97
Latin America	12			12			18			20			20			20			19			18			17
Asia	73			79			89			96			96			93			90			90			88
Total	$	215		$	239		$	256		$	277		$	283		$	276		$	273		$	292		$	278

EOP Assets Under Custody (in trillions of dollars)	$	10.7		$	11.3		$	12.7		$	13.1		$	12.9		$	12.8		$	11.9		$	10.7		$	10.3

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

STATEMENT OF INCOME AND BALANCE SHEET SUMMARY

(In millions of dollars)

																										Full			Full			Full
	1Q		2Q		3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year			Year
	2007		2007		2007			2007			2008			2008			2008			2008			2009			2006			2007			2008
Revenues
Net interest revenue	$	5,138	$	5,297	$	5,589		$	5,773		$	5,597		$	5,929		$	5,766		$	5,167		$	5,383		$	18,297		$	21,797		$	22,459
Non-interest revenue	4,735		5,710		1,491			(14,220		)	(10,115		)	(3,850		)	(5,062		)	(10,130		)	(1,931		)	19,625			(2,284		)	(29,157		)
Total revenues, net of interest expense	9,873		11,007		7,080			(8,447		)	(4,518		)	2,079			704			(4,963		)	3,452			37,922			19,513			(6,698		)

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	1,407		1,502		1,758			2,563			2,708			3,021			3,603			4,738			6,045			5,161			7,230			14,070
Credit Reserve Build / (Release)	437		108		1,781			3,510			1,466			2,100			3,224			4,654			1,694			(561		)	5,836			11,444
Provision for loan losses	1,844		1,610		3,539			6,073			4,174			5,121			6,827			9,392			7,739			4,600			13,066			25,514
Provision for Benefits & Claims	261		198		220			240			274			258			273			591			319			964			919			1,396
Provision for unfunded lending commitments	—		—		24			47			—			(68		)	(70		)	(34		)	28			118			71			(172		)
Total provisions for credit losses and for benefits and claims	2,105		1,808		3,783			6,360			4,448			5,311			7,030			9,949			8,086			5,682			14,056			26,738

Total operating expenses	4,654		5,042		5,311			5,480			5,954			5,316			5,136			8,791			4,388			18,084			20,487			25,197

Income (Loss) from Continuing Operations before
Income Taxes	3,114		4,157		(2,014		)	(20,287		)	(14,920		)	(8,548		)	(11,462		)	(23,703		)	(9,022		)	14,156			(15,030		)	(58,633		)
Provision (benefits) for income taxes	1,053		1,433		(921		)	(7,903		)	(5,770		)	(3,323		)	(4,526		)	(9,002		)	(3,686		)	4,716			(6,338		)	(22,621		)

Income (Loss) from Continuing Operations	2,061		2,724		(1,093		)	(12,384		)	(9,150		)	(5,225		)	(6,936		)	(14,701		)	(5,336		)	9,440			(8,692		)	(36,012		)

Net Income (Loss) attributable to noncontrolling Minority Interests (Minority Interest)	31		85		10			92			(30		)	52			(109		)	(285		)	(13		)	221			218			(372		)
Citi Holding’s Net Income (Loss)	$	2,030	$	2,639	$	(1,103	)	$	(12,476	)	$	(9,120	)	$	(5,277	)	$	(6,827	)	$	(14,416	)	$	(5,323	)	$	9,219		$	(8,910	)	$	(35,640	)

Balance Sheet Data (in billions):

Total EOP Assets	$	717	$	761	$	857		$	888		$	898		$	833		$	775		$	715		$	662		$	662		$	888		$	715

Total EOP Deposits	$	66	$	78	$	77		$	79		$	90		$	84		$	83		$	83		$	88		$	64		$	79		$	83

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS
BROKERAGE AND ASSET MANAGEMENT
(In millions of dollars)

																									Full			Full		Full
	1Q		2Q			3Q			4Q		1Q			2Q		3Q			4Q			1Q			Year			Year		Year
	2007		2007			2007			2007		2008			2008		2008			2008			2009			2006			2007		2008

Net Interest Revenue	$	269	$	175		$	226		$	238	$	179		$	230	$	318		$	497		$	348		$	825		$	908	$	1,224
Non-Interest Revenue	2,196		2,633			2,470			2,452		2,211			2,237		1,776			975			1,353			8,084			9,751		7,199
Total Revenues, Net of Interest Expense	2,465		2,808			2,696			2,690		2,390			2,467		2,094			1,472			1,701			8,909			10,659		8,423
Total Operating Expenses	1,840		2,057			2,051			2,012		2,450			2,002		2,085			2,699			1,546			7,110			7,960		9,236

Net Credit Losses	2		(1		)	(1		)	—		10			—		1			(1		)	2			(25		)	—		10
Credit Reserve Build / (Release)	—		1			1			2		1			9		(3		)	1			43			—			4		8
Provision for Benefits & Claims	52		26			32			44		52			45		58			50			41			189			154		205
Provision for Loan Losses and for Benefits and Claims	54		26			32			46		63			54		56			50			86			164			158		223
Income (loss) from Continuing Operations before Taxes	571		725			613			632		(123		)	411		(47		)	(1,277		)	69			1,635			2,541		(1,036		)
Income Taxes (benefits)	208		209			225			192		(9		)	144		10			(417		)	11			493			834		(272		)
Income (loss) from Continuing Operations	363		516			388			440		(114		)	267		(57		)	(860		)	58			1,142			1,707		(764		)
Net Income (loss) Attributable to Minority Interests	—		8			13			14		(11		)	49		(98		)	(119		)	(17		)	1			35		(179		)
Net Income (Loss)	$	363	$	508		$	375		$	426	$	(103	)	$	218	$	41		$	(741	)	$	75		$	1,141		$	1,672	$	(585	)
EOP Assets (in billions of dollars)	$	32	$	54		$	58		$	56	$	68		$	65	$	62		$	58		$	52		$	30		$	56	$	58

EOP Assets Reflecting the Sale of Nikko Cordial Securities (in billions of dollars)	$	32	$	34		$	36		$	36	$	45		$	44	$	42		$	36		$	33		$	30		$	36	$	36

EOP Deposits (in billions of dollars)	$	40	$	38		$	37		$	46	$	54		$	50	$	53		$	58		$	59		$	42		$	46	$	58

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS
LOCAL CONSUMER LENDING
Page 1
(In millions of dollars)

																												Full			Full		Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year			Year		Year
	2007			2007			2007			2007			2008			2008			2008			2008			2009			2006			2007		2008

Net Interest Revenue	$	4,396		$	4,528		$	4,554		$	4,688		$	4,596		$	4,807		$	4,612		$	3,888		$	3,890		$	16,704		$	18,166	$	17,903
Non-Interest Revenue	1,826			1,901			2,640			2,217			2,904			1,417			820			1,409			2,563			7,585			8,584		6,550
Total Revenues, Net of Interest Expense (1)	6,222			6,429			7,194			6,905			7,500			6,224			5,432			5,297			6,453			24,289			26,750		24,453
Total Operating Expenses	2,624			2,744			3,010			3,079			3,201			3,046			2,847			5,879			2,611			10,227			11,457		14,973

Net Credit Losses	1,407			1,477			1,750			2,160			2,647			2,982			3,487			4,035			4,532			5,064			6,794		13,151
Credit Reserve Build / (Release)	321			144			1,651			3,338			1,294			1,862			2,702			2,734			1,587			(569		)	5,454		8,592
Provision for Benefits & Claims	209			172			188			196			222			213			215			541			278			775			765		1,191
Provision for Loan Losses and for Benefits and Claims	1,937			1,793			3,589			5,694			4,163			5,057			6,404			7,310			6,397			5,270			13,013		22,934
Income (loss) from Continuing Operations before Taxes	1,661			1,892			595			(1,868		)	136			(1,879		)	(3,819		)	(7,892		)	(2,555		)	8,792			2,280		(13,454		)
Income Taxes (benefits)	561			638			146			(777		)	11			(673		)	(1,534		)	(3,004		)	(1,136		)	2,907			568		(5,200		)
Income (loss) from Continuing Operations	1,100			1,254			449			(1,091		)	125			(1,206		)	(2,285		)	(4,888		)	(1,419		)	5,885			1,712		(8,254		)
Net Income (loss) Attributable to Minority Interests	8			13			5			8			4			8			1			(1		)	5			58			34		12
Net Income (Loss)	$	1,092		$	1,241		$	444		$	(1,099	)	$	121		$	(1,214	)	$	(2,286	)	$	(4,887	)	$	(1,424	)	$	5,827		$	1,678	$	(8,266	)
Average Assets (in billions of dollars)	$	481		$	508		$	500		$	493		$	480		$	478		$	456		$	431		$	408		$	402		$	496	$	461

EOP Assets (in billions of dollars)	$	497		$	496		$	494		$	481		$	484		$	469		$	451		$	416		$	396		$	468		$	481	$	416

Net Credit Losses as a % of Average Loans	1.71		%	1.68		%	1.91		%	2.24		%	2.79		%	3.16		%	3.83		%	4.54		%	5.35		%

North America Retail Partners Cards Supplemental Disclosure - Managed Basis (2)
Total GAAP Revenues	$	1,764		$	1,815		$	1,869		$	2,131		$	1,881		$	1,754		$	912		$	1,770		$	1,527		$	7,822		$	7,579	$	6,317
Net Impact of Credit Card Securitization Activity (2), (3)	421			386			515			387			646			769			1,687			824			968			819			1,709		3,926

Total Managed Revenues	$	2,185		$	2,201		$	2,384		$	2,518		$	2,527		$	2,523		$	2,599		$	2,594		$	2,495		$	8,641		$	9,288	$	10,243

(1)		For Retail Partners Cards, the first through fourth quarters of 2007 and first through third quarters of 2008 and the first quarter of 2009 include releases of $0 million, $107 million, $27 million, $153 million, $30million, $0 million, $23 million, and $213 million, respectively, from the allowance for credit losses related to loan receivables that were securitized during the quarter.

(2)		Managed-basis (Managed) presentations detail certain non-GAAP financial measures. Managed presentations (applicable only to North American credit card operations, as securitizations are not done in any other regions) include results from both the on-balance sheet loans and off- balance sheet loans, and exclude the impact of card securitization activity. Managed presentations assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as the Citigroup’s owned loans. Citigroup believes that Managed presentations are useful to investors because they are widely used by analysts and investors within the credit card industry. Managed presentations are commonly used by other companies within the financial services industry.
		See pages 26 - 28 for a further discussion of the Managed presentations and a reconciliation of these measures to their most comparable GAAP measure.

(3)		Net impact of Credit Card Securitization Activity includes the removal of securitization-related items that are part of GAAP revenues such as the gain on sale of credit card loans, mark-to-market revenue for interests retained in securitized assets classified as Trading, and net credit losses on loans that are considered sold for GAAP purposes.
		See pages 26 - 28 for a further discussion of the Managed presentations and a reconciliation of these measures to their most comparable GAAP measure.

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS
LOCAL CONSUMER LENDING
Page 2
(In millions of dollars, except branches)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2007			2007			2007			2007			2008			2008			2008			2008			2009

International Key Indicators

Branches	1,459			1,469			1,478			1,483			1,315			1,190			1,171			1,154			865
Average Loans (in billions of dollars)	$	36.0		$	44.3		$	48.9		$	50.7		$	50.7		$	51.3		$	48.7		$	42.9		$	40.0
EOP Loans (in billions of dollars)	$	36.6		$	47.9		$	49.7		$	49.7		$	52.1		$	51.7		$	46.8		$	43.0		$	39.2
Net Interest Revenue	$	1,049		$	1,138		$	1,145		$	1,029		$	1,219		$	1,149		$	1,129		$	807		$	857
As a % of Average Loans	11.82		%	10.30		%	9.29		%	8.05		%	9.67		%	9.01		%	9.22		%	7.48		%	8.69		%
Net Credit Losses	$	491		$	526		$	651		$	559		$	662		$	698		$	737		$	738		$	832
As a % of Average Loans	5.53		%	4.76		%	5.28		%	4.37		%	5.25		%	5.47		%	6.02		%	6.84		%	8.44		%
Loans 90+ Days Past Due	$	743		$	887		$	903		$	773		$	892		$	987		$	1,033		$	1,152		$	1,362
As a % of EOP Loans	2.03		%	1.85		%	1.82		%	1.56		%	1.71		%	1.91		%	2.21		%	2.68		%	3.47		%

North America Key Indicators - Retail Partners Cards (1)

EOP Open Accounts (in millions)	120.1			119.0			118.2			120.5			117.3			116.5			115.6			111.6			107.6
Purchase Sales (in billions of dollars)	$	27.4		$	32.3		$	31.7		$	35.3		$	28.2		$	31.9		$	30.6		$	29.5		$	23.4
Average Managed Loans (in billions of dollars)
Securitized	$	32.4		$	31.9		$	33.7		$	30.3		$	37.1		$	36.2		$	37.5		$	35.4		$	35.1
Held for Sale	3.0			3.3			3.0			2.7			1.0			1.0			—			—			—
On Balance Sheet	26.3			26.5			26.9			33.9			29.5			29.4			29.2			30.5			28.6
Total	$	61.7		$	61.7		$	63.6		$	66.9		$	67.6		$	66.6		$	66.7		$	65.9		$	63.7

EOP Managed Loans (in billions of dollars)	$	60.8		$	62.5		$	65.1		$	69.3		$	66.2		$	67.0		$	66.5		$	66.4		$	61.1
Managed Average Yield (2)	16.96		%	16.86		%	16.96		%	16.13		%	15.97		%	15.97		%	16.26		%	16.26		%	17.53		%
Managed Net Interest Revenue (3)	$	2,084		$	2,144		$	2,254		$	2,231		$	2,232		$	2,256		$	2,354		$	2,279		$	2,277
As a % of Avg. Managed Loans	13.70		%	13.94		%	14.06		%	13.23		%	13.28		%	13.62		%	14.04		%	13.76		%	14.50		%
Managed Net Credit Losses	$	882		$	863		$	883		$	1,054		$	1,194		$	1,290		$	1,458		$	1,622		$	1,958
As a % of Avg. Managed Loans	5.80		%	5.61		%	5.51		%	6.25		%	7.10		%	7.79		%	8.70		%	9.79		%	12.47		%
Managed Net Credit Margin (4)	$	1,272		$	1,315		$	1,473		$	1,438		$	1,305		$	1,204		$	1,118		$	937		$	507
As a % of Avg. Managed Loans	8.36		%	8.55		%	9.19		%	8.53		%	7.76		%	7.27		%	6.67		%	5.66		%	3.23		%
Managed Loans 90+ Days Past Due	$	1,039		$	996		$	1,117		$	1,316		$	1,364		$	1,402		$	1,443		$	1,854		$	2,015
As a % of EOP Managed Loans	1.71		%	1.59		%	1.72		%	1.90		%	2.06		%	2.09		%	2.17		%	2.79		%	3.30		%

North America Key Indicators (ex Cards)

Branches	2,494			2,431			2,466			2,498			2,517			2,526			2,449			2,347			2,341
Average Loans (in billions of dollars)	$	271.1		$	280.8		$	287.8		$	297.1		$	301.4		$	298.8		$	284.6		$	280.6		$	275.0
EOP Loans (in billions of dollars)	$	274.4		$	282.8		$	293.1		$	297.7		$	300.1		$	285.4		$	283.8		$	276.2		$	270.5
Net Interest Revenue	$	2,362		$	2,420		$	2,438		$	2,431		$	2,629		$	2,759		$	2,610		$	2,124		$	2,173
As a % of Average Loans	3.53		%	3.46		%	3.36		%	3.25		%	3.51		%	3.71		%	3.65		%	3.01		%	3.20		%
Net Credit Losses	$	563		$	586		$	728		$	1,047		$	1,502		$	1,719		$	2,104		$	2,537		$	2,799
As a % of Average Loans	0.84		%	0.84		%	1.00		%	1.40		%	2.00		%	2.31		%	2.94		%	3.60		%	4.13		%
Loans 90+ Days Past Due	$	3,806		$	4,277		$	5,334		$	6,397		$	7,216		$	7,992		$	9,451		$	11,128		$	13,345
As a % of EOP Loans	1.39		%	1.51		%	1.82		%	2.15		%	2.40		%	2.80		%	3.33		%	4.03		%	4.93		%

(1)		Managed-basis (Managed) presentations detail certain non-GAAP financial measures. Managed presentations (applicable only to North American credit card operations, as securitizations are not done in any other regions) include results from both the on-balance sheet loans and off- balance sheet loans, and exclude the impact of card securitization activity. Managed presentations assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as the Citigroup’s owned loans. Citigroup believes that Managed presentations are useful to investors because they are widely used by analysts and investors within the credit card industry. Managed presentations are commonly used by other companies within the financial services industry.
		See pages 26 - 28 for a further discussion of the Managed presentations and a reconciliation of these measures to their most comparable GAAP measure.
(2)		Managed Average Yield is gross interest revenue earned divided by average managed loans.
(3)		Managed Net Interest Revenue includes certain fees that are recorded as interest revenue.
(4)		Managed 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.

CITI HOLDINGS
LOCAL CONSUMER LENDING
Page 3
North America
(In millions of dollars)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2007			2007			2007			2007			2008			2008			2008			2008			2009

KEY INDICATORS:

Residential Real Estate Lending
Average Loans (in billions of dollars)	$	202.3		$	211.1		$	215.3		$	221.0		$	221.7		$	217.4		$	206.9		$	201.8		$	197.7
EOP Loans (in billions of dollars)	$	205.7		$	212.6		$	219.4		$	220.4		$	219.5		$	209.0		$	203.7		$	198.6		$	194.5
Third Party Mortgage Servicing Portfolio (EOP, in billions)	$	580.5		$	586.8		$	577.8		$	603.4		$	646.9		$	654.4		$	653.1		$	653.8		$	599.2
Net Servicing & Gain/(Loss) on Sale	$	52.8		$	133.2		$	172.0		$	350.4		$	203.7		$	(362.7	)	$	39.9		$	24.5		$	228.6
Net Interest Revenue on Loans	$	1,125		$	1,130		$	1,104		$	1,037		$	1,215		$	1,290		$	1,207		$	806		$	911
As a % of Avg. Loans	2.26		%	2.15		%	2.03		%	1.86		%	2.20		%	2.39		%	2.32		%	1.59		%	1.87		%
Net Credit Losses	$	178		$	217		$	304		$	488		$	887		$	1,091		$	1,405		$	1,669		$	1,937
As a % of Avg. Loans	0.36		%	0.41		%	0.56		%	0.88		%	1.61		%	2.02		%	2.70		%	3.29		%	3.97		%
Loans 90+ Days Past Due	$	2,426		$	2,910		$	3,836		$	4,849		$	5,654		$	6,457		$	7,766		$	9,324		$	11,475
As a % of EOP Loans	1.18		%	1.37		%	1.75		%	2.20		%	2.58		%	3.09		%	3.81		%	4.69		%	5.90		%

Auto Loans
Average Loans (in billions of dollars)	$	16.6		$	18.2		$	19.1		$	20.1		$	21.2		$	21.0		$	20.1		$	19.2		$	18.0
EOP Loans (in billions of dollars)	$	17.7		$	18.7		$	19.5		$	20.9		$	21.4		$	20.4		$	19.7		$	18.6		$	17.3
Net Interest Revenue on Loans	$	343		$	360		$	365		$	376		$	395		$	395		$	376		$	353		$	314
As a % of Avg. Loans	8.38		%	7.93		%	7.58		%	7.42		%	7.49		%	7.57		%	7.44		%	7.31		%	7.07		%
Net Credit Losses	$	139		$	101		$	147		$	208		$	228		$	196		$	259		$	359		$	301
As a % of Avg. Loans	3.40		%	2.23		%	3.05		%	4.11		%	4.33		%	3.75		%	5.13		%	7.44		%	6.78		%
Loans 90+ Days Past Due	$	122		$	176		$	246		$	285		$	215		$	265		$	350		$	345		$	256
As a % of EOP Loans	0.69		%	0.94		%	1.26		%	1.36		%	1.00		%	1.30		%	1.78		%	1.85		%	1.48		%

Student Loans
Average Loans (in billions of dollars)	$	22.5		$	20.9		$	21.2		$	22.0		$	24.0		$	24.9		$	23.0		$	25.7		$	26.5
EOP Loans (in billions of dollars)	$	21.0		$	20.1		$	21.1		$	22.3		$	24.5		$	21.4		$	25.7		$	25.6		$	26.7
Net Interest Revenue on Loans	$	100		$	104		$	102		$	96		$	93		$	124		$	88		$	49		$	102
As a % of Avg. Loans	1.80		%	2.00		%	1.91		%	1.73		%	1.56		%	2.00		%	1.52		%	0.76		%	1.56		%
Net Credit Losses	$	4		$	6		$	8		$	12		$	13		$	16		$	18		$	23		$	20
As a % of Avg. Loans	0.07		%	0.12		%	0.15		%	0.22		%	0.22		%	0.26		%	0.31		%	0.36		%	0.31		%
Loans 90+ Days Past Due	$	879		$	806		$	776		$	721		$	796		$	699		$	662		$	703		$	829
As a % of EOP Loans	4.19		%	4.01		%	3.68		%	3.23		%	3.25		%	3.27		%	2.58		%	2.75		%	3.10		%

Personal Loans & Other
Average Loans (in billions of dollars)	$	15.8		$	16.4		$	17.4		$	18.7		$	19.3		$	20.6		$	22.7		$	22.2		$	21.3
EOP Loans (in billions of dollars)	$	15.9		$	16.9		$	18.1		$	19.3		$	19.4		$	22.5		$	23.0		$	21.9		$	20.6
Net Interest Revenue on Loans	$	653		$	687		$	729		$	774		$	785		$	806		$	816		$	791		$	713
As a % of Avg. Loans	16.76		%	16.80		%	16.62		%	16.42		%	16.36		%	15.74		%	14.30		%	14.17		%	13.58		%
Net Credit Losses	$	243		$	262		$	269		$	334		$	373		$	414		$	413		$	474		$	536
As a % of Avg. Loans	6.24		%	6.41		%	6.13		%	7.09		%	7.77		%	8.08		%	7.24		%	8.49		%	10.21		%
Loans 90+ Days Past Due	$	368		$	365		$	454		$	519		$	516		$	515		$	604		$	685		$	668
As a % of EOP Loans	2.31		%	2.16		%	2.51		%	2.69		%	2.66		%	2.29		%	2.63		%	3.13		%	3.24		%

Commercial Real Estate
Average Loans (in billions of dollars)	$	13.9		$	14.2		$	14.7		$	15.3		$	15.0		$	15.0		$	11.9		$	11.7		$	11.4
EOP Loans (in billions of dollars)	$	14.1		$	14.5		$	15.0		$	14.8		$	15.2		$	12.1		$	11.8		$	11.5		$	11.3
Net Interest Revenue on Loans	$	52		$	51		$	51		$	55		$	57		$	62		$	39		$	35		$	44
As a % of Avg. Loans	1.52		%	1.44		%	1.38		%	1.43		%	1.53		%	1.66		%	1.30		%	1.19		%	1.57		%
Net Credit Losses	$	—		$	—		$	—		$	5		$	2		$	2		$	10		$	12		$	6
As a % of Avg. Loans	0.00		%	0.00		%	0.00		%	0.13		%	0.05		%	0.05		%	0.33		%	0.41		%	0.21		%
Loans 90+ Days Past Due	$	10		$	20		$	22		$	24		$	36		$	56		$	69		$	71		$	117
As a % of EOP Loans	0.07		%	0.14		%	0.15		%	0.16		%	0.24		%	0.46		%	0.58		%	0.62		%	1.04		%

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS
SPECIAL ASSET POOL
(In millions of dollars)

																												Full		Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			Year		Year			Year
	2007			2007			2007			2007			2008			2008			2008			2008			2009			2006		2007			2008

Net Interest Revenue	$	473		$	594		$	809		$	847		$	822		$	892		$	836		$	782		$	1,145		$	768	$	2,723		$	3,332
Non-Interest Revenue	713			1,176			(3,619		)	(18,889		)	(15,230		)	(7,504		)	(7,658		)	(12,514		)	(5,847		)	3,956		(20,619		)	(42,906		)
Total Revenues, Net of Interest Expense	1,186			1,770			(2,810		)	(18,042		)	(14,408		)	(6,612		)	(6,822		)	(11,732		)	(4,702		)	4,724		(17,896		)	(39,574		)
Total Operating Expenses	190			241			250			389			303			268			204			213			231			747		1,070			988
Net Credit Losses	(2		)	26			9			403			51			39			115			704			1,511			122		436			909
Provision for Unfunded Lending Commitments	—			—			24			47			—			(68		)	(70		)	(34		)	28			118		71			(172		)
Credit Reserve Build / (Release)	116			(37		)	129			170			171			229			525			1,919			64			8		378			2,844
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—			—		—			—
Provision for Loan Losses and for Benefits and Claims	114			(11		)	162			620			222			200			570			2,589			1,603			248		885			3,581
Income (loss) from Continuing Operations before Taxes	882			1,540			(3,222		)	(19,051		)	(14,933		)	(7,080		)	(7,596		)	(14,534		)	(6,536		)	3,729		(19,851		)	(44,143		)
Income Taxes (benefits)	284			586			(1,292		)	(7,318		)	(5,772		)	(2,794		)	(3,002		)	(5,581		)	(2,561		)	1,316		(7,740		)	(17,149		)
Income (loss) from Continuing Operations	598			954			(1,930		)	(11,733		)	(9,161		)	(4,286		)	(4,594		)	(8,953		)	(3,975		)	2,413		(12,111		)	(26,994		)
Net Income (loss) Attributable to Minority Interests	23			64			(8		)	70			(23		)	(5		)	(12		)	(165		)	(1		)	162		149			(205		)
Net Income (Loss)	$	575		$	890		$	(1,922	)	$	(11,803	)	$	(9,138	)	$	(4,281	)	$	(4,582	)	$	(8,788	)	$	(3,974	)	$	2,251	$	(12,260	)	$	(26,789	)

EOP Assets (in billions of dollars)	$	188		$	211		$	305		$	351		$	346		$	299		$	262		$	241		$	214		$	164	$	351		$	241

Reclassified to conform to the current period’s presentation.

CITIGROUP
NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS

PAGE 1

(In millions of dollars)

Managed-basis (Managed) presentations detail certain non-GAAP financial measures. Managed presentations (applicable only to North American credit card operations, as securitizations are not done in any other regions) include results from both the on-balance sheet loans and off- balance sheet loans, and exclude the impact of card securitization activity. Managed presentations assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as the Citigroup’s owned loans. Citigroup believes that Managed presentations are useful to investors because they are widely used by analysts and investors within the credit card industry. Managed presentations are commonly used by other companies within the financial services industry.

The following tables present a reconciliation of the Citigroup’s Managed presentations within this Financial Data Supplement to their most comparable GAAP measure.

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2007			2007			2007			2007			2008			2008			2008			2008			2009

For Page 8 - Citicorp Regional Consumer Banking (page 2):
Citi-Branded Cards Key Indicators

Average Managed Loans - as disclosed	$	107.3		$	108.5		$	110.4		$	114.8		$	118.1		$	119.2		$	118.4		$	113.5		$	110.6
Impact from Credit Card Securitizations	65.0			65.6			67.3			69.5			68.8			71.2			71.3			70.2			67.5
Average Loans	$	42.3		$	42.9		$	43.1		$	45.3		$	49.3		$	48.0		$	47.1		$	43.3		$	43.1

EOP Managed Loans - as disclosed	$	107.2		$	110.8		$	111.8		$	119.8		$	118.0		$	119.7		$	117.5		$	115.0		$	109.0
Impact from Credit Card Securitizations	66.8			66.9			69.9			69.7			70.8			71.7			71.1			69.5			68.3
EOP Loans	$	40.4		$	43.9		$	41.9		$	50.1		$	47.2		$	48.0		$	46.4		$	45.5		$	40.7

Managed Average Yield - as disclosed	14.07		%	14.42		%	14.62		%	14.30		%	14.04		%	14.14		%	14.29		%	13.98		%	14.67		%
Impact from Credit Card Securitizations	(2.04		)%	(2.86		)%	(2.82		)%	(3.16		)%	(3.40		)%	(4.23		)%	(3.96		)%	(2.88		)%	(2.01		)%
Average Yield	16.11		%	17.28		%	17.44		%	17.46		%	17.44		%	18.37		%	18.25		%	16.86		%	16.68		%

Managed Net Int Rev as a % of Avg. Managed Loans - as disclosed	9.72		%	10.41		%	10.54		%	10.28		%	10.49		%	11.20		%	11.28		%	11.00		%	12.31		%
Impact from Credit Card Securitizations	(2.30		)%	(3.76		)%	(3.56		)%	(3.75		)%	(3.68		)%	(4.26		)%	(3.81		)%	(3.12		)%	(1.99		)%
Net Interest Revenue as a % of Avg. Loans	12.02		%	14.17		%	14.10		%	14.03		%	14.17		%	15.46		%	15.09		%	14.12		%	14.30		%

Managed Net Credit Losses as a % of Avg. Managed Loans - as disclosed	4.07		%	3.94		%	4.28		%	4.55		%	5.17		%	5.89		%	6.39		%	7.02		%	8.53		%
Impact from Credit Card Securitizations	(0.34		)%	0.11		%	(0.38		)%	(0.26		)%	(0.04		)%	0.01		%	(0.19		)%	0.15		%	0.66		%
Net Credit Losses as a % of Avg. Loans	4.41		%	3.83		%	4.66		%	4.81		%	5.21		%	5.88		%	6.58		%	6.87		%	7.87		%

Managed Net Credit Margin as a % of Avg. Managed Loans - as disclosed	10.00		%	10.23		%	10.22		%	11.61		%	10.08		%	9.44		%	8.59		%	7.56		%	7.18		%
Impact from Credit Card Securitizations	(16.39		)%	(16.04		)%	(16.73		)%	(17.46		)%	(13.39		)%	(12.35		)%	(6.48		)%	(9.01		)%	(11.03		)%
Net Credit Margin as a % of Avg. Loans	26.39		%	26.27		%	26.95		%	29.07		%	23.47		%	21.79		%	15.07		%	16.57		%	18.21		%

Managed Loans 90+ Days Past Due as a % of EOP Managed Loans - as disclosed	1.66		%	1.63		%	1.73		%	1.89		%	2.02		%	2.13		%	2.24		%	2.56		%	3.01		%
Impact from Credit Card Securitizations	(0.52		)%	(0.54		)%	(0.69		)%	(0.53		)%	(0.49		)%	(0.59		)%	(0.56		)%	(0.52		)%	(0.62		)%
Loans 90+ Days Past Due as a % of EOP Loans	2.18		%	2.17		%	2.42		%	2.42		%	2.51		%	2.72		%	2.80		%	3.08		%	3.63		%

Reclassified to conform to the current period’s presentation.

CITIGROUP
NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS

PAGE 3

(In millions of dollars)

The following tables present a reconciliation of the Citigroup’s Managed presentations within this Financial Data Supplement to their most comparable GAAP measure.

	1Q		2Q		3Q		4Q		1Q		2Q		3Q		4Q		1Q
	2007		2007		2007		2007		2008		2008		2008		2008		2009

For Page 10 - Citicorp Regional Consumer Banking - North America (page 2):
Citi-Branded Cards Key Indicators

Managed Average Yield - as disclosed	12.11	%	12.12	%	12.40	%	12.09	%	11.38	%	11.09	%	11.55	%	11.91	%	13.09	%
Impact from Credit Card Securitizations	2.47	%	1.84	%	2.06	%	0.88	%	0.92	%	1.24	%	0.76	%	1.58	%	1.50	%
Average Yield	9.64	%	10.28	%	10.34	%	11.21	%	10.46	%	9.85	%	10.79	%	10.33	%	11.59	%

Managed Net Interest Revenue as a % of Avg. Managed Loans - as disclosed	7.75	%	7.75	%	7.95	%	7.73	%	7.70	%	8.12	%	8.64	%	9.03	%	11.03	%
Impact from Credit Card Securitizations	1.79	%	0.79	%	1.60	%	0.67	%	0.65	%	1.17	%	0.65	%	0.24	%	0.08	%
Net Interest Revenue as a % of Avg. Loans	5.96	%	6.96	%	6.35	%	7.06	%	7.05	%	6.95	%	7.99	%	8.79	%	10.95	%

Managed Net Credit Losses as a % of Avg. Managed Loans - as disclosed	3.68	%	3.67	%	3.73	%	4.17	%	4.79	%	5.54	%	5.90	%	6.68	%	8.42	%
Impact from Credit Card Securitizations	0.70	%	1.49	%	1.56	%	1.17	%	1.61	%	2.03	%	2.23	%	2.41	%	2.60	%
Net Credit Losses as a % of Avg. Loans	2.98	%	2.18	%	2.17	%	3.00	%	3.18	%	3.51	%	3.67	%	4.27	%	5.82	%

Managed Net Credit Margin as a % of Avg. Managed Loans - as disclosed	7.17	%	6.88	%	7.42	%	7.26	%	6.88	%	5.96	%	5.35	%	5.22	%	4.91	%
Impact from Credit Card Securitizations	(29.88	)%	(31.03	)%	(39.31	)%	(37.14	)%	(28.84	)%	(27.57	)%	(6.32	)%	(18.30	)%	(22.93	)%
Net Credit Margin as a % of Avg. Loans	37.05	%	37.91	%	46.73	%	44.40	%	35.72	%	33.53	%	11.67	%	23.52	%	27.84	%

Managed Loans 90+ Days Past Due as a % of EOP Managed Loans - as disclosed	1.46	%	1.37	%	1.51	%	1.67	%	1.88	%	1.96	%	2.07	%	2.48	%	2.95	%
Impact from Credit Card Securitizations	(0.53	)%	(0.43	)%	(1.17	)%	(0.68	)%	(0.97	)%	(1.30	)%	(1.10	)%	(1.29	)%	(1.71	)%
Loans 90+ Days Past Due as a % of EOP Loans	1.99	%	1.80	%	2.68	%	2.35	%	2.85	%	3.26	%	3.17	%	3.77	%	4.66	%

Reclassified to conform to the current period’s presentation.

CITIGROUP
NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS
PAGE 3
(In millions of dollars)

The following tables present a reconciliation of the Citigroup’s Managed presentations within this Financial Data Supplement to their most comparable GAAP measure.

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q
	2007			2007			2007			2007			2008			2008			2008			2008			2009

For Page 23 - Citi Holdings - Local Consumer Lending (page 2):
North America - Retail Partners Cards Key Indicators

EOP Managed Loans - as disclosed	$	60.8		$	62.5		$	65.1		$	69.3		$	66.2		$	67.0		$	66.5		$	66.4		$	61.1
Impact from Credit Card Securitizations	34.8			37.2			37.2			39.4			39.6			39.3			36.8			36.3			37.7
EOP Loans	$	26.0		$	25.3		$	27.9		$	29.9		$	26.6		$	27.7		$	29.7		$	30.1		$	23.4

Managed Average Yield - as disclosed	16.96		%	16.86		%	16.96		%	16.13		%	15.97		%	15.97		%	16.26		%	16.26		%	17.53		%
Impact from Credit Card Securitizations	(1.98		)%	(1.65		)%	(1.34		)%	(1.95		)%	1.63		%	(0.36		)%	0.18		%	(0.36		)%	(0.38		)%
Average Yield	18.94		%	18.51		%	18.30		%	18.08		%	14.34		%	16.33		%	16.08		%	16.62		%	17.91		%

Managed Net Interest Revenue - as disclosed	$	2,084		$	2,144		$	2,254		$	2,231		$	2,232		$	2,256		$	2,354		$	2,279		$	2,277
Impact from Credit Card Securitizations	849			912			1,067			771			1,216			1,140			1,245			1,048			1,015
Net Interest Revenue	$	1,235		$	1,232		$	1,187		$	1,460		$	1,016		$	1,116		$	1,109		$	1,231		$	1,262

Managed Net Int Rev as a % of Avg. Managed Loans - as disclosed	13.70		%	13.94		%	14.06		%	13.23		%	13.28		%	13.62		%	14.04		%	13.76		%	14.50		%
Impact from Credit Card Securitizations	(5.34		)%	(4.78		)%	(3.45		)%	(3.86		)%	(0.53		)%	(1.69		)%	(1.11		)%	(2.30		)%	(3.40		)%
Net Interest Revenue as a % of Avg. Loans	19.04		%	18.72		%	17.51		%	17.09		%	13.81		%	15.31		%	15.15		%	16.06		%	17.90		%

Managed Net Credit Losses - as disclosed	$	882		$	863		$	883		$	1,054		$	1,194		$	1,290		$	1,458		$	1,622		$	1,958
Impact from Credit Card Securitizations	531			499			512			501			710			723			811			862			1,058
Net Credit Losses	$	351		$	364		$	371		$	553		$	484		$	567		$	647		$	760		$	900

Managed Net Credit Losses as a % of Avg. Managed Loans - as disclosed	5.80		%	5.61		%	5.51		%	6.25		%	7.10		%	7.79		%	8.70		%	9.79		%	12.47		%
Impact from Credit Card Securitizations	0.37		%	0.08		%	0.04		%	(0.22		)%	0.54		%	0.02		%	(0.13		)%	(0.12		)%	(0.29		)%
Net Credit Losses as a % of Avg. Loans	5.43		%	5.53		%	5.47		%	6.47		%	6.56		%	7.77		%	8.83		%	9.91		%	12.76		%

Managed Net Credit Margin - as disclosed	$	1,272		$	1,315		$	1,473		$	1,438		$	1,305		$	1,204		$	1,118		$	937		$	507
Impact from Credit Card Securitizations	(160		)	(150		)	(37		)	(150		)	(97		)	9			840			(90		)	(165		)
Net Credit Margin	$	1,432		$	1,465		$	1,510		$	1,588		$	1,402		$	1,195		$	278		$	1,027		$	672

Managed Net Credit Margin as a % of Avg. Managed Loans - as disclosed	8.36		%	8.55		%	9.19		%	8.53		%	7.76		%	7.27		%	6.67		%	5.66		%	3.23		%
Impact from Credit Card Securitizations	(13.72		)%	(13.69		)%	(13.08		)%	(10.04		)%	(11.29		)%	(9.13		)%	2.87		%	(7.75		)%	(6.30		)%
Net Credit Margin as a % of Avg. Loans	22.08		%	22.24		%	22.27		%	18.57		%	19.05		%	16.40		%	3.80		%	13.41		%	9.53		%

Managed Loans 90+ Days Past Due - as disclosed	$	1,039		$	996		$	1,117		$	1,316		$	1,364		$	1,402		$	1,443		$	1,854		$	2,015
Impact from Credit Card Securitizations	675			655			718			830			920			911			915			1,113			1,333
Loans 90+ Days Past Due	$	364		$	341		$	399		$	486		$	444		$	491		$	528		$	741		$	682

Managed Loans 90+ Days Past Due as a % of EOP Managed Loans - as disclosed	1.71		%	1.59		%	1.72		%	1.90		%	2.06		%	2.09		%	2.17		%	2.79		%	3.30		%
Impact from Credit Card Securitizations	0.32		%	0.25		%	0.29		%	0.27		%	0.38		%	0.31		%	0.39		%	0.33		%	0.38		%
Loans 90+ Days Past Due as a % of EOP Loans	1.39		%	1.34		%	1.43		%	1.63		%	1.68		%	1.78		%	1.78		%	2.46		%	2.92		%

Reclassified to conform to the current period’s presentation.

Citigroup (C) 8-KCitigroup - Quarterly Financial Data Supplement