Citigroup 8K Reports Third Quarter 2011 Net Income of $3.8 Billion, Compared to $2.2 Billion In Third Quarter 2010 | C 17 Oct 11

Exhibit 99.2



CITIGROUP - QUARTERLY FINANCIAL DATA SUPPLEMENT		3Q11

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

Citicorp
Income Statement and Balance Sheet Data		6
Regional Consumer Banking		7 - 8
North America		9 - 11
EMEA		12 - 13
Latin America		14 - 15
Asia		16 - 17
Institutional Clients Group (ICG)		18
Securities and Banking		19
Transaction Services		20

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

Citi Holdings
Income Statement and Balance Sheet Data		25
Brokerage and Asset Management		26
Local Consumer Lending		27 - 30
Special Asset Pool		31

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

Reconciliation of Non-GAAP Financial Measures		44

CITIGROUP — FINANCIAL SUMMARY

(In millions of dollars, except per share amounts)

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

Total Revenues, Net of Interest Expense	$	25,421		$	22,071		$	20,738		$	18,371		$	19,726		$	20,622		$	20,831		—		$	68,230		$	61,179		(10	)%
Total Operating Expenses	11,518			11,866			11,520			12,471			12,326			12,936			12,460			8	%	34,904			37,722			8	%
Net Credit Losses	8,384			7,962			7,659			6,854			6,269			5,147			4,514			(41	)%	24,005			15,930			(34	)%
Credit Reserve Build / (Release)	(18		)	(1,439		)	(1,993		)	(2,215		)	(3,370		)	(1,966		)	(1,465		)	26	%	(3,450		)	(6,801		)	(97	)%
Provision for Unfunded Lending Commitments	(35		)	(71		)	26			(37		)	25			(13		)	43			65	%	(80		)	55			NM
Provision for Benefits & Claims	287			213			227			238			260			219			259			14	%	727			738			2	%
Provision for Credit Losses and for Benefits and Claims	8,618			6,665			5,919			4,840			3,184			3,387			3,351			(43	)%	21,202			9,922			(53	)%
Income from Continuing Operations before Income Taxes	5,285			3,540			3,299			1,060			4,216			4,299			5,020			52	%	12,124			13,535			12	%
Income Taxes (benefits)	1,036			812			698			(313		)	1,185			967			1,278			83	%	2,546			3,430			35	%
Income from Continuing Operations	$	4,249		$	2,728		$	2,601		$	1,373		$	3,031		$	3,332		$	3,742		44	%	$	9,578		$	10,105		6	%
Income (Loss) from Discontinued Operations, net of Taxes	211			(3		)	(374		)	98			40			71			1			100	%	(166		)	112			NM
Net Income before Attribution of Noncontrolling Interests	4,460			2,725			2,227			1,471			3,071			3,403			3,743			68	%	9,412			10,217			9	%
Net Income Attributable to Noncontrolling Interests	32			28			59			162			72			62			(28		)	NM		119			106			(11	)%
Citigroup’s Net Income	$	4,428		$	2,697		$	2,168		$	1,309		$	2,999		$	3,341		$	3,771		74	%	$	9,293		$	10,111		9	%

Diluted Earnings Per Share (1):
Income from Continuing Operations	$	1.43		$	0.90		$	0.83		$	0.40		$	0.97		$	1.07		$	1.23		48	%	$	3.15		$	3.28		4	%
Citigroup’s Net Income	$	1.50		$	0.90		$	0.72		$	0.43		$	0.99		$	1.09		$	1.23		71	%	$	3.11		$	3.32		7	%
Shares (in millions) (1):
Average Basic	2,844.4			2,884.9			2,887.8			2,893.3			2,904.4			2,908.6			2,910.8			1	%	2,872.4			2,907.9			1	%
Average Diluted	2,933.4			2,975.3			2,977.8			2,984.8			2,996.6			2,997.0			2,998.6			1	%	2,962.2			2,997.4			1	%
Common Shares Outstanding, at period end	2,862.0			2,897.5			2,905.0			2,905.8			2,920.6			2,917.9			2,923.7			1	%

Preferred Dividends - Basic (in millions)	$	—		$	—		$	—		$	9		$	4		$	9		$	4				$	—		$	17
Preferred Dividends - Diluted (in millions)	$	—		$	—		$	—		$	9		$	4		$	9		$	4				$	—		$	17

Income Allocated to Unrestricted Common Shareholders - Basic
Income from Continuing Operations	$	4,190		$	2,674		$	2,468		$	1,194		$	2,920		$	3,200		$	3,696		50	%	$	9,329		$	9,819		5	%
Citigroup’s Net Income	$	4,400		$	2,671		$	2,148		$	1,288		$	2,960		$	3,270		$	3,697		72	%	$	9,215		$	9,930		8	%

Income Allocated to Unrestricted Common Shareholders - Diluted
Income from Continuing Operations	$	4,191		$	2,675		$	2,469		$	1,195		$	2,921		$	3,206		$	3,702		50	%	$	9,331		$	9,832		5	%
Citigroup’s Net Income	$	4,400		$	2,672		$	2,149		$	1,289		$	2,961		$	3,276		$	3,703		72	%	$	9,217		$	9,942		8	%

Financial Ratios:
Tier 1 Common Ratio	9.11		%	9.71		%	10.33		%	10.75		%	11.34		%	11.62		%	11.7		% *
Tier 1 Capital Ratio	11.28		%	11.99		%	12.50		%	12.91		%	13.26		%	13.55		%	13.5		% *
Total Capital Ratio	14.88		%	15.59		%	16.14		%	16.59		%	16.98		%	17.18		%	16.9		% *
Leverage Ratio	6.16		%	6.31		%	6.57		%	6.60		%	7.00		%	7.05		%	7.0		% *
Return on Common Equity	12.0		%	7.0		%	5.4		%	3.2		%	7.3		%	7.7		%	8.4		% *

Balance Sheet Data, EOP (in billions, except Book Value per Share):
Total Assets	$	2,002.2		$	1,937.7		$	1,983.3		$	1,913.9		$	1,947.8		$	1,956.6		$	1,936.0		(2	)%
Total Deposits	827.9			814.0			850.1			845.0			865.9			866.3			851.3			—
Citigroup’s Stockholders’ Equity	151.4			154.8			162.9			163.5			171.0			176.4			177.4			9	%
Citigroup Equity and Trust Securities (included in LT Debt)	173.1			175.0			183.4			181.6			189.0			192.4			193.5			6	%
Book Value Per Share (1)	$	52.80		$	53.32		$	55.97		$	56.15		$	58.46		$	60.34		$	60.56		8	%
Tangible Book Value Per Share (1)	$	40.90		$	41.86		$	44.42		$	44.55		$	46.87		$	48.75		$	49.50		11	%

Direct Staff (in thousands)	263			259			258			260			260			263			267			3	%

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

* Preliminary

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITIGROUP CONSOLIDATED STATEMENT OF INCOME
(In millions of dollars)

																						3Q11 vs.		Nine			Nine			YTD 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q10 Increase/		Months			Months			YTD 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			(Decrease)		2010			2011			(Decrease)
Revenues
Interest revenue	$	20,783		$	20,356		$	19,311		$	18,832		$	18,155		$	18,586		$	18,145		(6	)%	$	60,450		$	54,886		(9	)%
Interest expense	6,342			6,429			6,183			6,142			6,053			6,438			6,031			(2	)%	18,954			18,522			(2	)%
Net interest revenue	14,441			13,927			13,128			12,690			12,102			12,148			12,114			(8	)%	41,496			36,364			(12	)%

Commissions and fees	3,645			3,229			3,248			3,536			3,368			3,557			3,043			(6	)%	10,122			9,968			(2	)%
Principal transactions	4,116			2,362			2,085			(1,046		)	3,167			2,616			2,103			1	%	8,563			7,886			(8	)%
Administrative and other fiduciary fees	1,022			910			976			1,097			1,097			1,068			945			(3	)%	2,908			3,110			7	%
Realized gains (losses) on investments (1)	31			69			742			158			(1,127		)	412			619			(17	)%	842			(96		)	NM
Insurance premiums	748			636			655			645			672			684			658			—		2,039			2,014			(1	)%
Other revenue	1,418			938			(96		)	1,291			447			137			1,349			NM		2,260			1,933			(14	)%
Total non-interest revenues	10,980			8,144			7,610			5,681			7,624			8,474			8,717			15	%	26,734			24,815			(7	)%
Total revenues, net of interest expense	25,421			22,071			20,738			18,371			19,726			20,622			20,831			—		68,230			61,179			(10	)%

Provisions for Credit Losses and for Benefits and Claims

Net credit losses	8,384			7,962			7,659			6,854			6,269			5,147			4,514			(41	)%	24,005			15,930			(34	)%
Credit reserve build / (release)	(18		)	(1,439		)	(1,993		)	(2,215		)	(3,370		)	(1,966		)	(1,465		)	26	%	(3,450		)	(6,801		)	(97	)%
Provision for loan losses	8,366			6,523			5,666			4,639			2,899			3,181			3,049			(46	)%	20,555			9,129			(56	)%
Policyholder benefits and claims	287			213			227			238			260			219			259			14	%	727			738			2	%
Provision for unfunded lending commitments	(35		)	(71		)	26			(37		)	25			(13		)	43			65	%	(80		)	55			NM
Total provisions for credit losses and for benefits and claims	8,618			6,665			5,919			4,840			3,184			3,387			3,351			(43	)%	21,202			9,922			(53	)%

Operating Expenses
Compensation and benefits	6,162			5,961			6,117			6,190			6,409			6,669			6,223			2	%	18,240			19,301			6	%
Premises and Equipment	830			824			838			839			825			832			860			3	%	2,492			2,517			1	%
Technology / communication expense	1,199			1,195			1,257			1,273			1,214			1,275			1,306			4	%	3,651			3,795			4	%
Advertising and marketing expense	302			367			458			518			397			627			635			39	%	1,127			1,659			47	%
Other operating	3,025			3,519			2,850			3,651			3,481			3,533			3,436			21	%	9,394			10,450			11	%
Total operating expenses	11,518			11,866			11,520			12,471			12,326			12,936			12,460			8	%	34,904			37,722			8	%

Income from Continuing Operations before Income Taxes	5,285			3,540			3,299			1,060			4,216			4,299			5,020			52	%	12,124			13,535			12	%
Provision (benefits) for income taxes	1,036			812			698			(313		)	1,185			967			1,278			83	%	2,546			3,430			35	%

Income from Continuing Operations	4,249			2,728			2,601			1,373			3,031			3,332			3,742			44	%	9,578			10,105			6	%
Discontinued Operations (2)
Income (Loss) from Discontinued Operations	(5		)	(3		)	8			72			60			(17		)	(5		)			—			38
Gain (Loss) on Sale	94			—			(784		)	(12		)	4			126			16					(690		)	146
Provision (benefits) for income taxes	(122		)	—			(402		)	(38		)	24			38			10					(524		)	72
Income (Loss) from Discontinued Operations, net of taxes	211			(3		)	(374		)	98			40			71			1			100	%	(166		)	112			NM
Net Income before attribution of Noncontrolling Interests	4,460			2,725			2,227			1,471			3,071			3,403			3,743			68	%	9,412			10,217			9	%
Net Income attributable to noncontrolling interests	32			28			59			162			72			62			(28		)	NM		119			106			(11	)%
Citigroup’s Net Income	$	4,428		$	2,697		$	2,168		$	1,309		$	2,999		$	3,341		$	3,771		74	%	$	9,293		$	10,111		9	%

(1) Includes Other-Than-Temporary Impairment losses on investments.

(2) Discontinued Operations includes:

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

b) The sale of substantially all of Citigroup’s Retail Banking Operations in Germany to Credit Mutuel.

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

d) The sale of The Student Loan Corporation.

e) The sale of the Egg Credit Card Business.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITIGROUP CONSOLIDATED BALANCE SHEET

(In millions of dollars)

																						Sept 30, 2011
																						vs.
	March 31,			June 30,			September 30,			December 31,			March 31,			June 30,			September 30,			Dec 31, 2010
	2010			2010			2010			2010			2011			2011			2011 (1)			Inc (Decr)
Assets
Cash and due from banks (including segregated cash and other deposits)	$	25,678		$	24,709		$	26,342		$	27,972		$	27,842		$	27,766		$	28,950		3	%
Deposits with banks	163,525			160,780			150,071			162,437			163,603			156,181			160,861			(1	)%
Fed funds sold and securities borr’d or purch under agree. to resell	234,348			230,784			240,057			246,717			261,120			283,976			290,645			18	%
Brokerage receivables	34,001			36,872			37,138			31,213			40,901			40,695			37,992			22	%
Trading account assets	345,783			309,412			337,098			317,272			323,110			322,349			320,637			1	%
Investments
Available-for-sale and non-marketable equity securities	270,385			285,783			310,143			289,057			311,773			294,664			272,268			(6	)%
Held-to-maturity	46,348			31,283			30,107			29,107			15,484			14,910			12,866			(56	)%
Total Investments	316,733			317,066			340,250			318,164			327,257			309,574			285,134			(10	)%
Loans, net of unearned income
Consumer	529,669			503,546			461,104			455,732			438,913			440,444			424,626			(7	)%
Corporate	192,135			188,620			193,207			193,062			198,223			207,056			212,613			10	%
Loans, net of unearned income	721,804			692,166			654,311			648,794			637,136			647,500			637,239			(2	)%
Allowance for loan losses	(48,746		)	(46,197		)	(43,674		)	(40,655		)	(36,568		)	(34,362		)	(32,052		)	21	%
Total loans, net	673,058			645,969			610,637			608,139			600,568			613,138			605,187			—
Goodwill	25,662			25,201			25,797			26,152			26,339			26,621			25,496			(3	)%
Intangible assets (other than MSRs)	8,277			7,868			7,705			7,504			7,280			7,136			6,800			(9	)%
Mortgage servicing rights (MSR’s)	6,439			4,894			3,976			4,554			4,690			4,258			2,852			(37	)%
Other assets	168,709			174,101			172,800			163,778			162,433			164,932			171,438			5	%
Assets related to discontinued operations held for sale	—			—			31,409			—			2,672			—			—			—
Total assets	$	2,002,213		$	1,937,656		$	1,983,280		$	1,913,902		$	1,947,815		$	1,956,626		$	1,935,992		1	%

Liabilities
Non-interest-bearing deposits in U.S. offices	$	66,796		$	59,225		$	64,442		$	78,268		$	81,839		$	86,631		$	103,129		32	%
Interest-bearing deposits in U.S. offices	230,919			241,820			237,626			225,731			222,613			220,436			218,595			(3	)%
Total U.S. Deposits	297,715			301,045			302,068			303,999			304,452			307,067			321,724			6	%
Non-interest-bearing deposits in offices outside the U.S.	45,471			46,322			52,080			55,066			61,851			61,898			58,564			6	%
Interest-bearing deposits in offices outside the U.S.	484,728			466,584			495,947			485,903			499,560			497,345			470,993			(3	)%
Total International Deposits	530,199			512,906			548,027			540,969			561,411			559,243			529,557			(2	)%

Total deposits	827,914			813,951			850,095			844,968			865,863			866,310			851,281			1	%
Fed funds purch and securities loaned or sold under agree. to repurch.	207,911			196,112			192,065			189,558			187,825			203,843			223,612			18	%
Brokerage payables	55,041			54,774			51,517			51,749			50,394			57,245			56,093			8	%
Trading account liabilities	142,748			131,001			142,005			129,054			146,346			152,307			148,851			15	%
Short-term borrowings	96,694			92,752			87,013			78,790			78,622			72,889			65,818			(16	)%
Long-term debt	439,274			413,297			387,330			381,183			376,541			352,458			333,824			(12	)%
Other liabilities (2)	78,852			78,439			78,198			72,811			68,792			72,929			77,171			6	%
Liabilities related to discontinued operations held for sale	—			—			29,874			—			39			—			—			—
Total liabilities	$	1,848,434		$	1,780,326		$	1,818,097		$	1,748,113		$	1,774,422		$	1,777,981		$	1,756,650		—

Equity
Stockholders’ Equity
Preferred Stock	$	312		$	312		$	312		$	312		$	312		$	312		$	312		—
Common Stock	287			292			292			292			293			293			294			1	%
Additional paid-in capital	96,427			99,014			100,898			101,024			102,740			103,211			105,297			4	%
Retained earnings	73,432			76,130			78,260			79,559			82,554			85,857			89,602			13	%
Treasury stock	(1,178		)	(1,772		)	(1,540		)	(1,442		)	(878		)	(1,087		)	(1,089		)	24	%
Accumulated other comprehensive income (loss)	(17,859		)	(19,170		)	(15,309		)	(16,277		)	(13,984		)	(12,222		)	(17,044		)	(5	)%
Total Common Equity	$	151,109		$	154,494		$	162,601		$	163,156		$	170,725		$	176,052		$	177,060		9	%

Total Citigroup stockholders’ equity	$	151,421		$	154,806		$	162,913		$	163,468		$	171,037		$	176,364		$	177,372		9	%
Noncontrolling interests	2,358			2,524			2,270			2,321			2,356			2,281			1,970			(15	)%
Total equity	153,779			157,330			165,183			165,789			173,393			178,645			179,342			8	%
Total liabilities and equity	$	2,002,213		$	1,937,656		$	1,983,280		$	1,913,902		$	1,947,815		$	1,956,626		$	1,935,992		1	%

(1) Preliminary

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

Reclassified to conform to the current period’s presentation.

CITIGROUP

SEGMENT DETAIL

NET REVENUE

(In millions of dollars)


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

CITICORP
Regional Consumer Banking
North America	$	3,800	$	3,694	$	3,741		$	3,555		$	3,335		$	3,367	$	3,418		(9	)%	$	11,235	$	10,120	(10	)%
EMEA	403		374		347			379			396			388		363			5	%	1,124		1,147		2	%
Latin America	2,067		2,108		2,223			2,287			2,297			2,412		2,420			9	%	6,398		7,129		11	%
Asia	1,796		1,840		1,834			1,926			1,896			2,026		2,067			13	%	5,470		5,989		9	%
Total	8,066		8,016		8,145			8,147			7,924			8,193		8,268			2	%	24,227		24,385		1	%

Securities and Banking
North America	3,553		2,628		2,203			1,009			2,328			2,125		2,445			11	%	8,384		6,898		(18	)%
EMEA	2,517		1,763		1,735			834			2,061			1,642		2,299			33	%	6,015		6,002		—
Latin America	611		561		643			732			586			681		519			(19	)%	1,815		1,786		(2	)%
Asia	1,330		1,010		1,020			966			1,045			1,033		1,460			43	%	3,360		3,538		5	%
Total	8,011		5,962		5,601			3,541			6,020			5,481		6,723			20	%	19,574		18,224		(7	)%
Transaction Services
North America	640		635		621			589			609			609		620			—		1,896		1,838		(3	)%
EMEA	833		848		835			840			837			898		893			7	%	2,516		2,628		4	%
Latin America	349		363		389			415			416			436		442			14	%	1,101		1,294		18	%
Asia	623		665		698			728			698			731		759			9	%	1,986		2,188		10	%
Total	2,445		2,511		2,543			2,572			2,560			2,674		2,714			7	%	7,499		7,948		6	%

Total Citicorp	18,522		16,489		16,289			14,260			16,504			16,348		17,705			9	%	51,300		50,557		(1	)%

CITI HOLDINGS
Brokerage and Asset Management	340		141		(8		)	136			137			47		55			NM		473		239		(49	)%
Local Consumer Lending	4,670		4,206		3,547			3,403			3,153			2,949		2,998			(15	)%	12,423		9,100		(27	)%
Special Asset Pool	1,540		572		314			426			(7		)	1,015		(227		)	NM		2,426		781		(68	)%
Total Citi Holdings	6,550		4,919		3,853			3,965			3,283			4,011		2,826			(27	)%	15,322		10,120		(34	)%

Corporate / Other	349		663		596			146			(61		)	263		300			(50	)%	1,608		502		(69	)%

Total Citigroup - Net Revenues	$	25,421	22,071		20,738			18,371			$	19,726		20,622		20,831			—		68,230		61,179		(10	)%

Credit Valuation Adjustment (CVA) {included in lines above} (1)	309		209		115			(1,102		)	(256		)	164		1,938			NM		633		1,846		NM

Total Citigroup - Net Revenues - Excluding CVA	$	25,112	$	21,862	$	20,623		$	19,473		$	19,982		$	20,458	$	18,893		(8	)%	67,597		59,333		(12	)%

(1) Excludes CVA on Monolines.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITIGROUP

SEGMENT DETAIL

INCOME

(In millions of dollars)

																						3Q11 vs.		Nine			Nine			YTD 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q10 Increase/		Months			Months			YTD 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			(Decrease)		2010			2011			(Decrease)
Income from Continuing Operations:
CITICORP
Regional Consumer Banking
North America	$	17		$	53		$	177		$	403		$	550		$	686		$	692		NM		$	247		$	1,928		NM
EMEA	24			48			17			2			48			28			9			(47	)%	89			85			(4	)%
Latin America	365			466			532			426			478			402			344			(35	)%	1,363			1,224			(10	)%
Asia	565			563			496			507			460			485			567			14	%	1,624			1,512			(7	)%
Total	971			1,130			1,222			1,338			1,536			1,601			1,612			32	%	3,323			4,749			43	%

Securities and Banking
North America	1,423			816			430			(204		)	458			337			666			55	%	2,669			1,461			(45	)%
EMEA	1,020			355			499			(69		)	766			343			737			48	%	1,874			1,846			(1	)%
Latin America	266			204			277			344			274			297			208			(25	)%	747			779			4	%
Asia	470			303			179			186			210			212			526			NM		952			948			—
Total	3,179			1,678			1,385			257			1,708			1,189			2,137			54	%	6,242			5,034			(19	)%
Transaction Services
North America	160			157			127			85			114			137			121			(5	)%	444			372			(16	)%
EMEA	303			320			306			296			278			289			289			(6	)%	929			856			(8	)%
Latin America	156			157			174			177			174			161			169			(3	)%	487			504			3	%
Asia	320			297			319			319			285			291			318			—		936			894			(4	)%
Total	939			931			926			877			851			878			897			(3	)%	2,796			2,626			(6	)%

Total Citicorp	5,089			3,739			3,533			2,472			4,095			3,668			4,646			32	%	12,361			12,409			—

CITI HOLDINGS
Brokerage and Asset Management	76			(94		)	(153		)	(55		)	(10		)	(100		)	(83		)	46	%	(171		)	(193		)	(13	)%
Local Consumer Lending	(1,829		)	(1,226		)	(830		)	(1,103		)	(599		)	(746		)	(585		)	30	%	(3,885		)	(1,930		)	50	%
Special Asset Pool	878			116			(83		)	247			62			678			(127		)	(53	)%	911			613			(33	)%
Total Citi Holdings	(875		)	(1,204		)	(1,066		)	(911		)	(547		)	(168		)	(795		)	25	%	(3,145		)	(1,510		)	52	%

Corporate / Other	35			193			134			(188		)	(517		)	(168		)	(109		)	NM		362			(794		)	NM

Income From Continuing Operations	4,249			2,728			2,601			1,373			3,031			3,332			3,742			44	%	9,578			10,105			6	%
Discontinued Operations	211			(3		)	(374		)	98			40			71			1					(166		)	112

Net Income Attributable to Noncontrolling Minority Interests	32			28			59			162			72			62			(28		)			119			106

Citigroup’s Net Income	$	4,428		$	2,697		$	2,168		$	1,309		$	2,999		$	3,341		$	3,771		74	%	$	9,293		$	10,111		9	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

STATEMENT OF INCOME AND BALANCE SHEET DATA

(In millions of dollars)

																						3Q11 vs.		Nine			Nine			YTD 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q10 Increase/		Months			Months			YTD 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			(Decrease)		2010			2011			(Decrease)
Revenues
Net interest revenue	$	9,800		$	9,680		$	9,415		$	9,690		$	9,461		$	9,546		$	9,663		3	%	$	28,895		$	28,670		(1	)%
Non-Interest revenue	8,722			6,809			6,874			4,570			7,043			6,802			8,042			17	%	22,405			21,887			(2	)%
Total revenues, net of interest expense	18,522			16,489			16,289			14,260			16,504			16,348			17,705			9	%	51,300			50,557			(1	)%

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	3,142			2,965			3,020			2,662			2,318			2,153			1,933			(36	)%	9,127			6,404			(30	)%
Credit Reserve Build / (Release)	(360		)	(639		)	(427		)	(741		)	(1,258		)	(909		)	(630		)	(48	)%	(1,426		)	(2,797		)	(96	)%
Provision for loan losses	2,782			2,326			2,593			1,921			1,060			1,244			1,303			(50	)%	7,701			3,607			(53	)%
Provision for Benefits & Claims	44			27			38			42			44			26			45			18	%	109			115			6	%
Provision for unfunded lending commitments	(7		)	(26		)	1			—			4			(5		)	45			NM		(32		)	44			NM
Total provisions for credit losses and for benefits and claims	2,819			2,327			2,632			1,963			1,108			1,265			1,393			(47	)%	7,778			3,766			(52	)%

Total operating expenses	8,595			9,176			8,931			9,442			9,601			10,062			9,778			9	%	26,702			29,441			10	%

Income from Continuing Operations before Income Taxes	7,108			4,986			4,726			2,855			5,795			5,021			6,534			38	%	16,820			17,350			3	%
Provision for income taxes	2,019			1,247			1,193			383			1,700			1,353			1,888			58	%	4,459			4,941			11	%

Income from Continuing Operations	5,089			3,739			3,533			2,472			4,095			3,668			4,646			32	%	12,361			12,409			—
Net Income attributable to noncontrolling Minority Interests (Minority Interest)	21			20			30			51			11			12			6			(80	)%	71			29			(59	)%
Citicorp’s Net Income	$	5,068		$	3,719		$	3,503		$	2,421		$	4,084		$	3,656		$	4,640		32	%	$	12,290		$	12,380		1	%

Balance Sheet Data (in billions):

Total EOP Assets	$	1,236		$	1,211		$	1,283		$	1,284		$	1,330		$	1,380		$	1,364		6	%
Average Assets	$	1,233		$	1,250		$	1,252		$	1,294		$	1,323		$	1,381		$	1,381		10	%	$	1,245		$	1,362		9	%
Return on Assets	1.67		%	1.19		%	1.11		%	0.74		%	1.25		%	1.06		%	1.33		%			1.32		%	1.22		%
Total EOP Deposits	$	730		$	719		$	757		$	760		$	784		$	788		$	776		3	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

Page 1

(In millions of dollars)

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

Net Interest Revenue	$	5,904		$	5,759		$	5,675		$	5,846		$	5,736		$	5,797		$	5,817		3	%	$	17,338		$	17,350		—
Non-Interest Revenue	2,162			2,257			2,470			2,301			2,188			2,396			2,451			(1	)%	6,889			7,035			2	%
Total Revenues, Net of Interest Expense	8,066			8,016			8,145			8,147			7,924			8,193			8,268			2	%	24,227			24,385			—
Total Operating Expenses	3,993			4,033			4,085			4,436			4,477			4,770			4,753			16	%	12,111			14,000			16	%
Net Credit Losses	3,039			2,922			2,730			2,525			2,108			2,003			1,846			(32	)%	8,691			5,957			(31	)%
Credit Reserve Build / (Release)	(183		)	(407		)	(400		)	(551		)	(864		)	(853		)	(662		)	(66	)%	(990		)	(2,379		)	NM
Provision for Unfunded Lending Committments	1			(4		)	—			—			—			3			—			—		(3		)	3			NM
Provision for Benefits & Claims	44			27			38			42			44			26			45			18	%	109			115			6	%
Provision for Loan Losses and for Benefits and Claims	2,901			2,538			2,368			2,016			1,288			1,179			1,229			(48	)%	7,807			3,696			(53	)%
Income from Continuing Operations before Taxes	1,172			1,445			1,692			1,695			2,159			2,244			2,286			35	%	4,309			6,689			55	%
Income Taxes	201			315			470			357			623			643			674			43	%	986			1,940			97	%
Income from Continuing Operations	971			1,130			1,222			1,338			1,536			1,601			1,612			32	%	3,323			4,749			43	%
Net Income (loss) Attributable to Minority Interests	(5		)	—			(4		)	—			(2		)	3			1			NM		(9		)	2			NM
Net Income	$	976		$	1,130		$	1,226		$	1,338		$	1,538		$	1,598		$	1,611		31	%	$	3,332		$	4,747		42	%
Average Assets (in billions of dollars)	$	307		$	304		$	309		$	317		$	325		$	337		$	338		9	%	$	307		$	333		8	%
Return on Assets	1.29		%	1.49		%	1.57		%	1.67		%	1.92		%	1.90		%	1.89		%			1.45		%	1.91		%

Net Credit Losses as a % of Average Loans	5.61		%	5.43		%	4.95		%	4.48		%	3.72		%	3.40		%	3.07		%

Revenue by Business
Retail Banking	$	3,798		$	3,901		$	3,989		$	4,079		$	3,889		$	4,099		$	4,133		4	%	$	11,688		$	12,121		4	%
Citi-Branded Cards	4,268			4,115			4,156			4,068			4,035			4,094			4,135			(1	)%	12,539			12,264			(2	)%
Total Revenues	$	8,066		$	8,016		$	8,145		$	8,147		$	7,924		$	8,193		$	8,268		2	%	$	24,227		$	24,385		—
																															��
Net Credit Losses by Business
Retail Banking	$	289		$	303		$	333		$	342		$	277		$	298		$	295		(11	)%	$	925		$	870		(6	)%
Citi-Branded Cards	2,750			2,619			2,397			2,183			1,831			1,705			1,551			(35	)%	7,766			5,087			(34	)%
Total Net Credit Losses	$	3,039		$	2,922		$	2,730		$	2,525		$	2,108		$	2,003		$	1,846		(32	)%	$	8,691		$	5,957		(31	)%

Income (loss) from Continuing Operations by Business
Retail Banking	$	799		$	834		$	755		$	694		$	672		$	633		$	634		(16	)%	$	2,388		$	1,939		(19	)%
Citi-Branded Cards	172			296			467			644			864			968			978			NM		935			2,810			NM
Total	$	971		$	1,130		$	1,222		$	1,338		$	1,536		$	1,601		$	1,612		32	%	$	3,323		$	4,749		43	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING
Page 2

	1Q 2010			2Q 2010			3Q 2010			4Q 2010			1Q 2011			2Q 2011			3Q 2011			3Q11 vs. 3Q10 Increase/ (Decrease)
Retail Banking Key Indicators (in billions of dollars, except branches)

Branches	4,162			4,161			4,168			4,200			4,200			4,207			4,187			—
Accounts (in millions)	59.2			58.9			59.8			59.5			59.4			59.7			60.3			1	%
Average Deposits	$	289.2		$	291.4		$	295.6		$	301.9		$	307.0		$	314.5		$	313.2		6	%
Investment Sales (International Only)	$	24.1		$	23.4		$	21.3		$	23.7		$	25.4		$	24.5		$	21.5		1	%
Investment AUMs	$	120.8		$	116.8		$	125.4		$	130.5		$	133.9		$	138.6		$	122.3		(2	)%
Average Loans	$	107.7		$	107.3		$	109.3		$	113.1		$	119.3		$	126.5		$	128.6		18	%
EOP Loans:
Real Estate Lending	$	56.0		$	54.7		$	56.5		$	59.5		$	63.9		$	67.0		$	67.1		19	%
Commercial Markets	25.2			26.3			27.6			28.9			30.8			32.4			31.5			14	%
Personal and Other	27.6			26.2			27.5			27.6			28.3			29.6			28.7			4	%
EOP Loans	$	108.8		$	107.2		$	111.6		$	116.0		$	123.0		$	129.0		$	127.3		14	%

Net Interest Revenue (in millions) (1)	$	2,551		$	2,544		$	2,490		$	2,577		$	2,618		$	2,668		$	2,687		8	%
As a % of Average Loans	9.61		%	9.51		%	9.04		%	9.04		%	8.90		%	8.46		%	8.29		%

Net Credit Losses (in millions)	$	289		$	303		$	333		$	342		$	277		$	298		$	295		(11	)%
As a % of Average Loans	1.09		%	1.13		%	1.21		%	1.20		%	0.94		%	0.94		%	0.91		%
Loans 90+ Days Past Due (in millions)(2)	$	819		$	869		$	842		$	760		$	801		$	812		$	759		(10	)%
As a % of EOP Loans	0.75		%	0.81		%	0.76		%	0.66		%	0.66		%	0.63		%	0.60		%
Loans 30-89 Days Past Due (in millions) (2)	$	1,304		$	1,205		$	1,277		$	1,146		$	1,142		$	1,088		$	974		(24	)%
As a % of EOP Loans	1.20		%	1.12		%	1.15		%	0.99		%	0.94		%	0.85		%	0.77		%

Citi-Branded Cards Key Indicators (in millions of dollars)
EOP Open Accounts	51.3			50.8			51.1			51.3			51.7			52.3			53.3			4	%
Purchase Sales	$	60.1		$	63.9		$	65.5		$	70.5		$	64.9		$	71.3		$	71.4		9	%

Average Loans (in billions) (3)	$	112.0		$	108.5		$	109.5		$	110.6		$	110.3		$	110.1		$	110.2		1	%
EOP Loans (in billions) (3)	$	110.2		$	109.4		$	111.1		$	114.1		$	109.6		$	111.9		$	109.4		(2	)%
Average Yield (4)	14.89		%	14.39		%	14.18		%	13.95		%	13.66		%	12.99		%	12.94		%
Net Interest Revenue (5)	$	3,358		$	3,207		$	3,184		$	3,259		$	3,128		$	3,128		$	3,129		(2	)%
As a % of Average Loans	12.16		%	11.86		%	11.54		%	11.69		%	11.50		%	11.40		%	11.26		%
Net Credit Losses	$	2,750		$	2,619		$	2,397		$	2,183		$	1,831		$	1,705		$	1,551		(35	)%
As a % of Average Loans	9.96		%	9.68		%	8.68		%	7.83		%	6.73		%	6.21		%	5.58		%
Net Credit Margin (6)	$	1,518		$	1,491		$	1,752		$	1,878		$	2,198		$	2,384		$	2,577		47	%
As a % of Average Loans	5.50		%	5.51		%	6.35		%	6.74		%	8.08		%	8.69		%	9.28		%
Loans 90+ Days Past Due	$	3,155		$	2,929		$	2,590		$	2,341		$	2,172		$	1,971		$	1,710		(34	)%
As a % of EOP Loans	2.86		%	2.68		%	2.33		%	2.05		%	1.98		%	1.76		%	1.56		%
Loans 30-89 Days Past Due	$	3,094		$	2,727		$	2,543		$	2,407		$	2,217		$	2,024		$	1,856		(27	)%
As a % of EOP Loans	2.81		%	2.49		%	2.29		%	2.11		%	2.02		%	1.81		%	1.70		%

(1)	Also includes Net Interest Revenue related to the international regions’ deposit balances in excess of the average loan portfolio.
(2)	The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies. See Note 1 on North America Regional Consumer Banking on page 10.
(3)	Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.
(4)	Average Yield is gross interest revenue earned divided by average loans.
(5)	Net Interest Revenue includes certain fees that are recorded as interest revenue.
(6)	Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

NM Not meaningful

CITICORP

REGIONAL CONSUMER BANKING

NORTH AMERICA

Page 1

(In millions of dollars)

	1Q 2010			2Q 2010			3Q 2010			4Q 2010			1Q 2011			2Q 2011			3Q 2011			3Q11 vs. 3Q10 Increase/ (Decrease)		Nine Months 2010			Nine Months 2011			YTD 2011 vs. YTD 2010 Increase/ (Decrease)
Net Interest Revenue	$	2,954		$	2,778		$	2,734		$	2,750		$	2,624		$	2,590		$	2,580		(6	)%	$	8,466		$	7,794		(8	)%
Non-Interest Revenue	846			916			1,007			805			711			777			838			(17	)%	2,769			2,326			(16	)%
Total Revenues, Net of Interest Expense	3,800			3,694			3,741			3,555			3,335			3,367			3,418			(9	)%	11,235			10,120			(10	)%
Total Operating Expenses	1,621			1,512			1,458			1,572			1,690			1,773			1,811			24	%	4,591			5,274			15	%
Net Credit Losses	2,156			2,127			1,970			1,766			1,440			1,306			1,155			(41	)%	6,253			3,901			(38	)%
Credit Reserve Build / (Release)	4			(9		)	40			(348		)	(648		)	(758		)	(653		)	NM		35			(2,059		)	NM
Provision for Unfunded Lending Committments	1			—			—			—			—			—			—			—		1			—			(100	)%
Provision for Benefits & Claims	8			5			6			5			6			4			7			17	%	19			17			(11	)%
Provision for Loan Losses and for Benefits and Claims	2,169			2,123			2,016			1,423			798			552			509			(75	)%	6,308			1,859			(71	)%
Income from Continuing Operations before Taxes	10			59			267			560			847			1,042			1,098			NM		336			2,987			NM
Income Taxes (benefits)	(7		)	6			90			157			297			356			406			NM		89			1,059			NM
Income from Continuing Operations	17			53			177			403			550			686			692			NM		247			1,928			NM
Net Income Attributable to Minority Interests	—			—			—			—			—			—			—			—		—			—			—
Net Income	$	17		$	53		$	177		$	403		$	550		$	686		$	692		NM		$	247		$	1,928		NM
Average Assets (in billions of dollars)	$	121		$	117		$	118		$	120		$	120		$	119		$	125		6	%	$	119		$	121		2	%
Return on Assets	0.06		%	0.18		%	0.60		%	1.33		%	1.86		%	2.31		%	2.20		%			0.28		%	2.13		%

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

Revenue by Business
Retail Banking	$	1,279		$	1,324		$	1,373		$	1,349		$	1,188		$	1,250		$	1,282		(7	)%	$	3,976		$	3,720		(6	)%
Citi-Branded Cards	2,521			2,370			2,368			2,206			2,147			2,117			2,136			(10	)%	7,259			6,400			(12	)%
Total Revenues	$	3,800		$	3,694		$	3,741		$	3,555		$	3,335		$	3,367		$	3,418		(9	)%	$	11,235		$	10,120		(10	)%

Net Credit Losses by Business
Retail Banking	$	73		$	79		$	90		$	97		$	88		$	77		$	65		(28	)%	$	242		$	230		(5	)%
Citi-Branded Cards	2,083			2,048			1,880			1,669			1,352			1,229			1,090			(42	)%	6,011			3,671			(39	)%
Total Net Credit Losses	$	2,156		$	2,127		$	1,970		$	1,766		$	1,440		$	1,306		$	1,155		(41	)%	$	6,253		$	3,901		(38	)%

Income (loss) from Continuing Operations by Business
Retail Banking	$	167		$	207		$	205		$	183		$	90		$	102		$	126		(39	)%	$	579		$	318		(45	)%
Citi-Branded Cards	(150		)	(154		)	(28		)	220			460			584			566			NM		(332		)	1,610			NM
Total	$	17		$	53		$	177		$	403		$	550		$	686		$	692		NM		$	247		$	1,928		NM

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

NORTH AMERICA

Page 2


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

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

Branches	1,003			1,002			1,000			1,001			1,000			1,002			1,005			1	%
Accounts (in millions)	13.5			13.3			13.3			13.1			13.0			12.9			12.9			(3	)%
Investment AUMs	$	32.6		$	28.8		$	29.8		$	30.4		$	29.9		$	30.8		$	28.3		(5	)%

Average Deposits	$	144.2		$	145.5		$	144.9		$	144.5		$	143.6		$	144.4		$	145.4		—

Average Loans	$	32.2		$	30.7		$	29.7		$	29.7		$	31.9		$	33.6		$	35.2		19	%

EOP Loans:
Real Estate Lending	$	24.4		$	23.1		$	22.3		$	23.5		$	25.8		$	27.2		$	29.0		30	%
Commercial Markets	2.1			2.2			2.1			2.1			2.2			2.2			2.3			10	%
Personal and Other	5.0			4.9			5.0			5.1			5.0			5.1			5.2			4	%
Total EOP Loans	$	31.5		$	30.2		$	29.4		$	30.7		$	33.0		$	34.5		$	36.5		24	%

Mortgage Originations	$	10.3		$	11.2		$	18.6		$	21.8		$	14.1		$	11.0		$	17.0		(9	)%

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

Net Servicing & Gain/(Loss) on Sale (in millions)	$	207.8		$	271.7		$	344.3		$	282.4		$	129.0		$	126.5		$	186.5		(46	)%

Net Interest Revenue on Loans (in mllions)	$	183		$	162		$	152		$	142		$	170		$	176		$	179		18	%
As a % of Avg. Loans	2.30		%	2.12		%	2.03		%	1.90		%	2.16		%	2.10		%	2.02		%

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

Loans 90+ Days Past Due (in millions) (1)	$	142		$	245		$	221		$	228		$	241		$	211		$	232		5	%
As a % of EOP Loans	0.45		%	0.81		%	0.77		%	0.76		%	0.75		%	0.63		%	0.66		%
Loans 30-89 Days Past Due (in millions) (1)	$	236		$	241		$	243		$	212		$	185		$	209		$	217		(11	)%
As a % of EOP Loans	0.75		%	0.80		%	0.85		%	0.71		%	0.58		%	0.62		%	0.62		%

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

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

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

NORTH AMERICA

Page 3


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

Citi-Branded Cards Key Indicators (in millions of dollars) (1)
EOP Open Accounts	21.8			21.3			21.2			21.2			21.1			21.2			21.6			2	%
Purchase Sales (in billions)	$	36.2		$	39.3		$	39.0		$	40.4		$	36.3		$	39.9		$	39.6		2	%

Average Loans (in billions) (1)	$	79.2		$	76.2		$	76.0		$	75.3		$	73.9		$	72.4		$	72.8		(4	)%

EOP Loans (in billions) (1)	$	77.7		$	77.2		$	76.6		$	77.5		$	73.2		$	73.7		$	73.8		(4	)%

Average Yield (2)	13.58		%	12.70		%	12.05		%	11.67		%	11.43		%	10.69		%	10.45		%
Net Interest Revenue (3)	$	2,103		$	1,940		$	1,927		$	1,914		$	1,791		$	1,716		$	1,721		(11	)%
As a % of Avg. Loans (3)	10.77		%	10.21		%	10.06		%	10.08		%	9.83		%	9.51		%	9.38		%
Net Credit Losses	$	2,083		$	2,048		$	1,880		$	1,669		$	1,352		$	1,229		$	1,090		(42	)%
As a % of Average Loans	10.67		%	10.78		%	9.81		%	8.79		%	7.42		%	6.81		%	5.94		%
Net Credit Margin (4)	$	438		$	317		$	481		$	530		$	789		$	883		$	1,039		NM
As a % of Avg. Loans (4)	2.24		%	1.67		%	2.51		%	2.79		%	4.33		%	4.89		%	5.66		%
Loans 90+ Days Past Due	$	2,304		$	2,130		$	1,807		$	1,597		$	1,432		$	1,205		$	1,053		(42	)%
As a % of EOP Loans	2.97		%	2.76		%	2.36		%	2.06		%	1.96		%	1.64		%	1.43		%
Loans 30-89 Days Past Due	$	2,145		$	1,828		$	1,687		$	1,539		$	1,327		$	1,132		$	1,095		(35	)%
As a % of EOP Loans	2.76		%	2.37		%	2.20		%	1.99		%	1.81		%	1.54		%	1.48		%

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

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

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

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

EMEA - PAGE 1

(In millions of dollars)

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

Net Interest Revenue	$	246		$	228		$	220		$	229		$	226		$	233		$	221		—		$	694		$	680		(2	)%
Non-Interest Revenue	157			146			127			150			170			155			142			12	%	430			467			9	%
Total Revenues, Net of Interest Expense	403			374			347			379			396			388			363			5	%	1,124			1,147			2	%
Total Operating Expenses	281			269			305			324			307			340			328			8	%	855			975			14	%
Net Credit Losses	97			84			63			72			49			47			49			(22	)%	244			145			(41	)%
Credit Reserve Build / (Release)	(11		)	(46		)	(48		)	(13		)	(34		)	(55		)	(32		)	33	%	(105		)	(121		)	(15	)%
Provision for Unfunded Lending Committments	—			(4		)	—			—			—			3			—			—		(4		)	3			NM
Provision for Benefits & Claims	—			—			—			—			—			—			—			—		—			—			—
Provision for Loan Losses and for Benefits and Claims	86			34			15			59			15			(5		)	17			13	%	135			27			(80	)%
Income (loss) from Continuing Operations before Taxes	36			71			27			(4		)	74			53			18			(33	)%	134			145			8	%
Income Taxes (benefits)	12			23			10			(6		)	26			25			9			(10	)%	45			60			33	%
Income from Continuing Operations	24			48			17			2			48			28			9			(47	)%	89			85			(4	)%
Net Income Attributable to Minority Interests	—			—			(1		)	—			—			2			1			NM		(1		)	3			NM
Net Income	$	24		$	48		$	18		$	2		$	48		$	26		$	8		(56	)%	$	90		$	82		(9	)%
Average Assets (in billions of dollars)	$	10		$	10		$	10		$	10		$	10		$	11		$	10		—		$	10		$	10		—
Return on Assets	0.97		%	1.93		%	0.71		%	0.08		%	1.95		%	0.95		%	0.32		%			1.20		%	1.10		%

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

Revenue by Business
Retail Banking	$	220		$	203		$	184		$	215		$	217		$	212		$	199		8	%	$	607		$	628		3	%
Citi-Branded Cards	183			171			163			164			179			176			164			1	%	517			519			—
Total	$	403		$	374		$	347		$	379		$	396		$	388		$	363		5	%	$	1,124		$	1,147		2	%

Income (loss) from Continuing Operations by Business
Retail Banking	$	(9	)	$	6		$	(24	)	$	(27	)	$	3		$	(17	)	$	(21	)	13	%	$	(27	)	$	(35	)	(30	)%
Citi-Branded Cards	33			42			41			29			45			45			30			(27	)%	116			120			3	%
Total	$	24		$	48		$	17		$	2		$	48		$	28		$	9		(47	)%	$	89		$	85		(4	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

EMEA - PAGE 2

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

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

Branches	310			304			300			298			297			296			294			(2	)%
Accounts (in millions)	3.7			3.7			3.7			3.7			3.6			3.6			3.7			—
Average Deposits	$	9.7		$	8.9		$	9.1		$	9.2		$	9.7		$	9.9		$	9.6		5	%
Investment Sales	$	0.7		$	0.7		$	0.6		$	0.9		$	1.0		$	1.0		$	1.0		67	%
Investment AUMs	$	4.4		$	4.1		$	4.6		$	4.9		$	5.3		$	5.4		$	4.7		2	%
Average Loans	$	4.7		$	4.2		$	4.2		$	4.1		$	4.3		$	4.5		$	4.4		5	%
EOP Loans:
Real Estate Lending	$	0.1		$	0.1		$	0.1		$	0.1		$	0.1		$	0.2		$	0.2		100	%
Commercial Markets	1.3			1.2			1.4			1.3			1.6			1.7			1.6			14	%
Personal and Other	3.2			2.7			2.9			2.8			2.8			2.8			2.5			(14	)%
Total EOP Loans	$	4.6		$	4.0		$	4.4		$	4.2		$	4.5		$	4.7		$	4.3		(2	)%

Net Interest Revenue (in millions) (1)	$	123		$	111		$	102		$	114		$	108		$	112		$	106		4	%
As a % of Average Loans (1)	10.61		%	10.60		%	9.64		%	11.03		%	10.19		%	9.98		%	9.56		%
Net Credit Losses (in millions)	$	47		$	45		$	32		$	43		$	23		$	24		$	29		(9	)%
As a % of Average Loans	4.06		%	4.30		%	3.02		%	4.16		%	2.17		%	2.14		%	2.61		%
Loans 90+ Days Past Due (in millions)	$	108		$	109		$	105		$	84		$	76		$	76		$	65		(38	)%
As a % of EOP Loans	2.35		%	2.73		%	2.39		%	2.00		%	1.69		%	1.62		%	1.51		%
Loans 30-89 Days Past Due (in millions)	$	203		$	158		$	156		$	136		$	143		$	132		$	106		(32	)%
As a % of EOP Loans	4.41		%	3.95		%	3.55		%	3.24		%	3.18		%	2.81		%	2.47		%

Citi-Branded Cards Key Indicators (in billions of dollars)
EOP Open Accounts (in millions)	2.6			2.4			2.5			2.5			2.5			2.5			2.6			4	%
Purchase Sales	$	2.1		$	2.1		$	2.3		$	2.5		$	2.3		$	2.7		$	2.6		13	%
Average Loans (2)	$	2.9		$	2.7		$	2.8		$	2.8		$	2.9		$	3.0		$	2.8		—
EOP Loans (2)	$	2.9		$	2.6		$	2.9		$	2.8		$	2.9		$	3.0		$	2.7		(7	)%
Average Yield (3)	21.31		%	20.90		%	21.03		%	20.54		%	20.61		%	19.86		%	20.14		%	(4	)%

Net Interest Revenue (in millions) (4)	$	123		$	117		$	118		$	115		$	118		$	121		$	115		(3	)%
As a % of Avg. Loans (4)	17.20		%	17.38		%	16.72		%	16.29		%	16.50		%	16.18		%	16.29		%
Net Credit Losses (in millions)	$	50		$	39		$	31		$	29		$	26		$	23		$	20		(35	)%
As a % of Average Loans	6.99		%	5.79		%	4.39		%	4.11		%	3.64		%	3.08		%	2.83		%
Net Credit Margin (in millions) (5)	$	133		$	132		$	132		$	135		$	153		$	153		$	144		9	%
As a % of Avg. Loans (5)	18.60		%	19.61		%	18.70		%	19.13		%	21.40		%	20.46		%	20.40		%
Loans 90+ Days Past Due (in millions)	$	77		$	72		$	69		$	58		$	60		$	54		$	47		(32	)%
As a % of EOP Loans	2.66		%	2.77		%	2.38		%	2.07		%	2.07		%	1.80		%	1.74		%
Loans 30-89 Days Past Due (in millions)	$	113		$	90		$	86		$	72		$	78		$	72		$	63		(27	)%
As a % of EOP Loans	3.90		%	3.46		%	2.97		%	2.57		%	2.69		%	2.40		%	2.33		%

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

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

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

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

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

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

LATIN AMERICA - PAGE 1

(In millions of dollars)

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

Net Interest Revenue	$	1,449		$	1,461		$	1,492		$	1,566		$	1,562		$	1,625		$	1,656		11	%	$	4,402		$	4,843		10	%
Non-Interest Revenue	618			647			731			721			735			787			764			5	%	1,996			2,286			15	%
Total Revenues, Net of Interest Expense	2,067			2,108			2,223			2,287			2,297			2,412			2,420			9	%	6,398			7,129			11	%
Total Operating Expenses	1,172			1,291			1,287			1,409			1,361			1,490			1,481			15	%	3,750			4,332			16	%
Net Credit Losses	509			457			451			451			407			425			406			(10	)%	1,417			1,238			(13	)%
Credit Reserve Build / (Release)	(138		)	(240		)	(298		)	(147		)	(147		)	(21		)	63			NM		(676		)	(105		)	84	%
Provision for Unfunded Lending Committments	—			—			—			—			—			—			—			—		—			—			—
Provision for Benefits & Claims	36			22			32			37			38			22			38			—		90			98			9	%
Provision for Loan Losses and for Benefits and Claims	407			239			185			341			298			426			507			NM		831			1,231			48	%
Income from Continuing Operations before Taxes	488			578			751			537			638			496			432			(42	)%	1,817			1,566			(14	)%
Income Taxes	123			112			219			111			160			94			88			(60	)%	454			342			(25	)%
Income from Continuing Operations	365			466			532			426			478			402			344			(35	)%	1,363			1,224			(10	)%
Net Income (loss) Attributable to Minority Interests	(5		)	—			(3		)	—			(2		)	1			—			100	%	(8		)	(1		)	88	%
Net Income	$	370		$	466		$	535		$	426		$	480		$	401		$	344		(36	)%	$	1,371		$	1,225		(11	)%
Average Assets (in billions of dollars)	$	71		$	72		$	73		$	74		$	77		$	84		$	80		10	%	$	72		$	80		11	%
Return on Assets	2.11		%	2.60		%	2.91		%	2.28		%	2.53		%	1.91		%	1.71		%			2.55		%	2.05		%

Net Credit Losses as a % of Average Loans	7.00		%	6.07		%	5.72		%	5.42		%	4.78		%	4.59		%	4.37		%

Revenue by Business
Retail Banking	$	1,187		$	1,227		$	1,290		$	1,330		$	1,336		$	1,402		$	1,397		8	%	$	3,704		$	4,135		12	%
Citi-Branded Cards	880			881			933			957			961			1,010			1,023			10	%	2,694			2,994			11	%
Total	$	2,067		$	2,108		$	2,223		$	2,287		$	2,297		$	2,412		$	2,420		9	%	$	6,398		$	7,129		11	%

Income (loss) from Continuing Operations by Business
Retail Banking	$	232		$	250		$	251		$	205		$	299		$	242		$	173		(31	)%	$	733		$	714		(3	)%
Citi-Branded Cards	133			216			281			221			179			160			171			(39	)%	630			510			(19	)%
Total	$	365		$	466		$	532		$	426		$	478		$	402		$	344		(35	)%	$	1,363		$	1,224		(10	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

LATIN AMERICA - PAGE 2

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

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

Branches	2,145			2,151			2,161			2,190			2,196			2,210			2,215			2	%
Accounts (in millions)	25.9			25.9			26.5			26.6			26.6			26.9			27.2			3	%
Average Deposits	$	39.6		$	39.9		$	40.6		$	42.6		$	45.6		$	48.3		$	46.1		14	%
Investment Sales	$	14.5		$	13.1		$	10.6		$	10.0		$	13.1		$	12.9		$	12.0		13	%
Investment AUMs	$	37.9		$	39.1		$	43.2		$	45.0		$	47.4		$	50.5		$	44.3		3	%
Average Loans	$	17.4		$	18.2		$	19.0		$	20.0		$	21.1		$	23.1		$	23.1		22	%
EOP Loans:
Real Estate Lending	$	3.6		$	3.7		$	3.9		$	4.2		$	4.7		$	4.8		$	4.3		10	%
Commercial Markets	8.8			9.4			9.9			10.6			11.0			11.9			10.9			10	%
Personal and Other	6.0			5.4			5.8			5.6			6.3			7.0			6.8			17	%
Total EOP Loans	$	18.4		$	18.5		$	19.6		$	20.4		$	22.0		$	23.7		$	22.0		12	%

Net Interest Revenue (in millions) (1)	$	781		$	784		$	805		$	842		$	864		$	877		$	908		13	%
As a % of Avg. Loans (1)	18.20		%	17.28		%	16.81		%	16.70		%	16.61		%	15.23		%	15.59		%
Net Credit Losses (in millions)	$	91		$	96		$	129		$	123		$	103		$	117		$	113		(12	)%
As a % of Average Loans	2.12		%	2.12		%	2.69		%	2.44		%	1.98		%	2.03		%	1.94		%
Loans 90+ Days Past Due (in millions)	$	323		$	308		$	290		$	223		$	249		$	259		$	239		(18	)%
As a % of EOP Loans	1.76		%	1.66		%	1.48		%	1.09		%	1.13		%	1.09		%	1.09		%
Loans 30-89 Days Past Due (in millions)	$	389		$	336		$	402		$	265		$	323		$	301		$	266		(34	)%
As a % of EOP Loans	2.11		%	1.82		%	2.05		%	1.30		%	1.47		%	1.27		%	1.21		%

Citi-Branded Cards Key Indicators (in millions of dollars)
EOP Open Accounts (in millions)	12.1			12.2			12.4			12.5			12.7			13.0			13.3			7	%
Purchase Sales (in billions)	$	7.3		$	7.5		$	8.2		$	9.6		$	9.1		$	10.0		$	10.3		26	%
Average Loans (in billions) (2)	$	12.1		$	12.0		$	12.3		$	13.0		$	13.4		$	14.0		$	13.8		12	%
EOP Loans (in billions) (2)	$	12.1		$	12.0		$	12.6		$	13.4		$	13.5		$	14.2		$	12.9		2	%
Average Yield (3)	24.58		%	25.10		%	26.00		%	27.70		%	25.67		%	23.41		%	24.74		%	(5	)%

Net Interest Revenue (4)	$	668		677			$	687		$	724		$	698		748			$	748		9	%
As a % of Avg. Loans (4)	22.39		%	22.63		%	22.16		%	22.10		%	21.13		%	21.43		%	21.50		%
Net Credit Losses	$	418		361			$	322		328			$	304		308			$	293		(9	)%
As a % of Average Loans	14.01		%	12.07		%	10.39		%	10.01		%	9.20		%	8.82		%	8.42		%
Net Credit Margin (5)	$	462		$	520		$	611		$	629		$	657		$	702		$	730		19	%
As a % of Avg. Loans (5)	15.48		%	17.38		%	19.71		%	19.20		%	19.88		%	20.11		%	20.99		%
Loans 90+ Days Past Due	$	510		$	481		$	472		$	446		$	445		$	462		$	396		(16	)%
As a % of EOP Loans	4.21		%	4.01		%	3.75		%	3.33		%	3.30		%	3.25		%	3.07		%
Loans 30-89 Days Past Due	$	475		$	485		$	442		$	456		$	454		$	469		$	398		(10	)%
As a % of EOP Loans	3.93		%	4.04		%	3.51		%	3.40		%	3.36		%	3.30		%	3.09		%

(1)	Also includes Net Interest Revenue related to the region’s deposit balances in excess of the average loan portfolio.
(2)	Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.
(3)	Average Yield is gross interest revenue earned divided by average loans.
(4)	Net Interest Revenue includes certain fees that are recorded as interest revenue.
(5)	Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

ASIA - PAGE 1

(In millions of dollars)

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

Net Interest Revenue	$	1,255		$	1,292		$	1,229		$	1,301		$	1,324		$	1,349		$	1,360		11	%	$	3,776		$	4,033		7	%
Non-Interest Revenue	541			548			605			625			572			677			707			17	%	1,694			1,956			15	%
Total Revenues, Net of Interest Expense	1,796			1,840			1,834			1,926			1,896			2,026			2,067			13	%	5,470			5,989			9	%
Total Operating Expenses	919			961			1,035			1,131			1,119			1,167			1,133			9	%	2,915			3,419			17	%
Net Credit Losses	277			254			246			236			212			225			236			(4	)%	777			673			(13	)%
Credit Reserve Build / (Release)	(38		)	(112		)	(94		)	(43		)	(35		)	(19		)	(40		)	57	%	(244		)	(94		)	61	%
Provision for Unfunded Lending Committments	—			—			—			—			—			—			—			—		—			—			—
Provision for Benefits & Claims	—			—			—			—			—			—			—			—		—			—			—
Provision for Loan Losses and for Benefits and Claims	239			142			152			193			177			206			196			29	%	533			579			9	%
Income from Continuing Operations before Taxes	638			737			647			602			600			653			738			14	%	2,022			1,991			(2	)%
Income Taxes	73			174			151			95			140			168			171			13	%	398			479			20	%
Income from Continuing Operations	565			563			496			507			460			485			567			14	%	1,624			1,512			(7	)%
Net Income Attributable to Minority Interests	—			—			—			—			—			—			—			—		—			—			—
Net Income	$	565		$	563		$	496		$	507		$	460		$	485		$	567		14	%	$	1,624		$	1,512		(7	)%
Average Assets (in billions of dollars)	$	105		$	105		$	108		$	113		$	118		$	123		$	123		14	%	$	106		$	121		14	%
Return on Assets	2.18		%	2.15		%	1.82		%	1.78		%	1.58		%	1.58		%	1.83		%			2.05		%	1.67		%

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

Revenue by Business
Retail Banking	$	1,112		$	1,147		$	1,142		$	1,185		$	1,148		$	1,235		$	1,255		10	%	$	3,401		$	3,638		7	%
Citi-Branded Cards	684			693			692			741			748			791			812			17	%	2,069			2,351			14	%
Total	$	1,796		$	1,840		$	1,834		$	1,926		$	1,896		$	2,026		$	2,067		13	%	$	5,470		$	5,989		9	%

Income from Continuing Operations by Business
Retail Banking	$	409		$	371		$	323		$	333		$	280		$	306		$	356		10	%	$	1,103		$	942		(15	)%
Citi-Branded Cards	156			192			173			174			180			179			211			22	%	521			570			9	%
Total	$	565		$	563		$	496		$	507		$	460		$	485		$	567		14	%	$	1,624		$	1,512		(7	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

ASIA - PAGE 2

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

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

Branches	704			704			707			711			707			699			673			(5	)%
Accounts (in millions)	16.1			16.0			16.3			16.1			16.2			16.3			16.5			1	%
Average Deposits	$	95.7		$	97.1		$	101.0		$	105.6		$	108.1		$	111.9		$	112.1		11	%
Investment Sales	$	8.9		$	9.6		$	10.1		$	12.8		$	11.3		$	10.6		$	8.5		(16	)%
Investment AUMs	$	45.9		$	44.8		$	47.8		$	50.2		$	51.3		$	51.9		$	45.0		(6	)%
Average Loans	$	53.4		$	54.2		$	56.4		$	59.3		$	62.0		$	65.3		$	65.9		17	%
EOP Loans:
Real Estate Lending	$	27.9		$	27.8		$	30.2		$	31.7		$	33.3		$	34.8		$	33.6		11	%
Commercial Markets	13.0			13.5			14.2			14.9			16.0			16.6			16.7			18	%
Personal and Other	13.4			13.2			13.8			14.1			14.2			14.7			14.2			3	%
Total EOP Loans	$	54.3		$	54.5		$	58.2		$	60.7		$	63.5		$	66.1		$	64.5		11	%

Net Interest Revenue (in millions) (1)	$	791		$	819		$	777		$	795		$	803		$	806		$	815		5	%
As a % of Avg. Loans (1)	6.01		%	6.06		%	5.47		%	5.32		%	5.25		%	4.95		%	4.91		%
Net Credit Losses (in millions)	$	78		$	83		$	82		$	79		$	63		$	80		$	88		7	%
As a % of Average Loans	0.59		%	0.61		%	0.58		%	0.53		%	0.41		%	0.49		%	0.53		%
Loans 90+ Days Past Due (in millions)	$	246		$	207		$	226		$	225		$	235		$	266		$	223		(1	)%
As a % of EOP Loans	0.45		%	0.38		%	0.39		%	0.37		%	0.37		%	0.40		%	0.35		%
Loans 30-89 Days Past Due (in millions)	$	476		$	470		$	476		$	533		$	491		$	446		$	385		(19	)%
As a % of EOP Loans	0.88		%	0.86		%	0.82		%	0.88		%	0.77		%	0.67		%	0.60		%

Citi-Branded Cards Key Indicators (in millions of dollars)
EOP Open Accounts (in millions)	14.8			14.9			15.0			15.1			15.4			15.6			15.8			5	%
Purchase Sales (in billions)	$	14.5		$	15.0		$	16.0		$	18.0		$	17.2		$	18.7		$	18.9		18	%
Average Loans (in billions) (2)	$	17.8		$	17.6		$	18.4		$	19.5		$	20.1		$	20.7		$	20.8		13	%
EOP Loans (in billions) (2)	$	17.5		$	17.6		$	19.0		$	20.4		$	20.0		$	21.0		$	20.0		5	%
Average Yield (3)	13.17		%	13.20		%	12.32		%	12.65		%	12.88		%	13.01		%	12.83		%	4	%

Net Interest Revenue (4)	$	464		473			$	452		$	506		$	521		543			$	545		21	%
As a % of Avg. Loans (4)	10.57		%	10.78		%	9.75		%	10.29		%	10.51		%	10.52		%	10.40		%
Net Credit Losses	$	199		$	171		$	164		$	157		$	149		$	145		$	148		(10	)%
As a % of Average Loans	4.53		%	3.90		%	3.54		%	3.19		%	3.01		%	2.81		%	2.82		%
Net Credit Margin (5)	$	485		$	522		$	528		$	584		$	599		$	646		$	664		26	%
As a % of Avg. Loans (5)	11.05		%	11.90		%	11.38		%	11.88		%	12.09		%	12.52		%	12.67		%
Loans 90+ Days Past Due	$	264		$	246		$	242		$	240		$	235		$	250		$	214		(12	)%
As a % of EOP Loans	1.51		%	1.40		%	1.27		%	1.18		%	1.18		%	1.19		%	1.07		%
Loans 30-89 Days Past Due	$	361		$	324		$	328		$	340		$	358		$	351		$	300		(9	)%
As a % of EOP Loans	2.06		%	1.84		%	1.73		%	1.67		%	1.79		%	1.67		%	1.50		%

(1)	Also includes Net Interest Revenue related to the region’s deposit balances in excess of the average loan portfolio.
(2)	Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.
(3)	Average Yield is gross interest revenue earned divided by average loans.
(4)	Net Interest Revenue includes certain fees that are recorded as interest revenue.
(5)	Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

Reclassified to conform to the current period’s presentation.

CITICORP

INSTITUTIONAL CLIENTS GROUP

(In millions of dollars)

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

Commissions and Fees	$	1,108		$	1,086		$	1,016		$	1,056		$	1,132		$	1,132		$	1,159		14	%	3,210			3,423			7	%
Administration and Other Fiduciary Fees	721			617			674			739			746			732			649			(4	)%	2,012			2,127			6	%
Investment Banking	953			592			829			1,146			793			1,001			590			(29	)%	2,374			2,384			—
Principal Transactions	3,307			1,777			1,539			(1,056		)	2,260			1,288			1,665			8	%	6,623			5,213			(21	)%
Other	471			480			346			384			(76		)	253			1,528			NM		1,297			1,705			31	%
Total Non-Interest Revenue	6,560			4,552			4,404			2,269			4,855			4,406			5,591			27	%	15,516			14,852			(4	)%
Net Interest Revenue (including Dividends)	3,896			3,921			3,740			3,844			3,725			3,749			3,846			3	%	11,557			11,320			(2	)%
Total Revenues, Net of Interest Expense	10,456			8,473			8,144			6,113			8,580			8,155			9,437			16	%	27,073			26,172			(3	)%
Total Operating Expenses	4,602			5,143			4,846			5,006			5,124			5,292			5,025			4	%	14,591			15,441			6	%
Net Credit Losses	103			43			290			137			210			150			87			(70	)%	436			447			3	%
Provision for Unfunded Lending Commitments	(8		)	(22		)	1			—			4			(8		)	45			NM		(29		)	41			NM
Credit Reserve Build / (Release)	(177		)	(232		)	(27		)	(190		)	(394		)	(56		)	32			NM		(436		)	(418		)	4	%
Provision for Benefits & Claims	—			—			—			—			—			—			—			—		—			—			—
Provision for Credit Losses and for Benefits and Claims	(82		)	(211		)	264			(53		)	(180		)	86			164			(38	)%	(29		)	70			NM
Income from Continuing Operations before Taxes	5,936			3,541			3,034			1,160			3,636			2,777			4,248			40	%	12,511			10,661			(15	)%
Income Taxes	1,818			932			723			26			1,077			710			1,214			68	%	3,473			3,001			(14	)%
Income from Continuing Operations	4,118			2,609			2,311			1,134			2,559			2,067			3,034			31	%	9,038			7,660			(15	)%
Net Income Attributable to Minority Interests	26			20			34			51			13			9			5			(85	)%	80			27			(66	)%
Net Income	$	4,092		$	2,589		$	2,277		$	1,083		$	2,546		$	2,058		$	3,029		33	%	$	8,958		$	7,633		(15	)%
Average Assets (in billions of dollars)	$	926		$	946		$	943		$	977		$	998		$	1,044		$	1,043		11	%	$	938		$	1,028		10	%
Return on Assets	1.79		%	1.10		%	0.96		%	0.44		%	1.03		%	0.79		%	1.15		%			1.28		%	0.99		%

Revenue by Region
North America	$	4,193		$	3,263		$	2,824		$	1,598		$	2,937		$	2,734		$	3,065		9	%	$	10,280		$	8,736		(15	)%
EMEA	3,350			2,611			2,570			1,674			2,898			2,540			3,192			24	%	8,531			8,630			1	%
Latin America	960			924			1,032			1,147			1,002			1,117			961			(7	)%	2,916			3,080			6	%
Asia	1,953			1,675			1,718			1,694			1,743			1,764			2,219			29	%	5,346			5,726			7	%
Total	$	10,456		$	8,473		$	8,144		$	6,113		$	8,580		$	8,155		$	9,437		16	%	$	27,073		$	26,172		(3	)%

Income from Continuing Operations by Region
North America	$	1,583		$	973		$	557		$	(119	)	$	572		$	474		$	787		41	%	$	3,113		$	1,833		(41	)%
EMEA	1,323			675			805			227			1,044			632			1,026			27	%	2,803			2,702			(4	)%
Latin America	422			361			451			521			448			458			377			(16	)%	1,234			1,283			4	%
Asia	790			600			498			505			495			503			844			69	%	1,888			1,842			(2	)%
Total	$	4,118		$	2,609		$	2,311		$	1,134		$	2,559		$	2,067		$	3,034		31	%	$	9,038		$	7,660		(15	)%

Average Loans by Region (in billions)
North America	$	68		68			66			66			$	66		$	68		70			6	%	$	68		$	68		—
EMEA	37			37			38			40			42			48			48			26	%	37			46			24	%
Latin America	23			22			23			24			25			29			30			30	%	23			28			22	%
Asia	30			35			38			42			45			49			54			42	%	34			49			44	%
Total	$	158		$	162		$	165		$	172		$	178		$	194		$	202		22	%	$	162		$	191		18	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

INSTITUTIONAL CLIENTS GROUP

SECURITIES AND BANKING

(In millions of dollars)

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

Net Interest Revenue	$	2,503		$	2,515		$	2,301		$	2,404		$	2,287		$	2,270		$	2,347		2	%	$	7,319		$	6,904		(6	)%
Non-Interest Revenue	5,508			3,447			3,300			1,137			3,733			3,211			4,376			33	%	12,255			11,320			(8	)%
Total Revenues, Net of Interest Expense	8,011			5,962			5,601			3,541			6,020			5,481			6,723			20	%	19,574			18,224			(7	)%
Total Operating Expenses	3,439			3,962			3,610			3,682			3,805			3,901			3,582			(1	)%	11,011			11,288			3	%
Net Credit Losses	102			42			289			134			203			151			70			(76	)%	433			424			(2	)%
Provision for Unfunded Lending Commitments	(8		)	(22		)	1			—			4			(8		)	54			NM		(29		)	50			NM
Credit Reserve Build / (Release)	(158		)	(199		)	(11		)	(194		)	(394		)	(83		)	50			NM		(368		)	(427		)	(16	)%
Provision for Benefits & Claims	—			—			—			—			—			—			—			—		—			—			—
Provision for Loan Losses and for Benefits and Claims	(64		)	(179		)	279			(60		)	(187		)	60			174			(38	)%	36			47			31	%
Income (loss) from Continuing Operations before Taxes	4,636			2,179			1,712			(81		)	2,402			1,520			2,967			73	%	8,527			6,889			(19	)%
Income Taxes (benefits)	1,457			501			327			(338		)	694			331			830			NM		2,285			1,855			(19	)%
Income from Continuing Operations	3,179			1,678			1,385			257			1,708			1,189			2,137			54	%	6,242			5,034			(19	)%
Net Income Attributable to Minority Interests	21			15			29			45		��	9			4			—			(100	)%	65			13			(80	)%
Net Income	$	3,158		$	1,663		$	1,356		$	212		$	1,699		$	1,185		$	2,137		58	%	$	6,177		$	5,021		(19	)%
Average Assets (in billions of dollars)	827			846			834			857			874			913			910			9	%	835			899			8	%
Return on Assets	1.55		%	0.79		%	0.65		%	0.10		%	0.79		%	0.52		%	0.93		%			0.99		%	0.75		%

Revenue Details:
Investment Banking:
Advisory	$	198		$	88		$	237		$	197		$	143		$	198		$	184		(22	)%	$	523		$	525		—
Equity Underwriting	224			157			152			404			204			272			106			(30	)%	533			582			9	%
Debt Underwriting	635			429			541			566			504			615			446			(18	)%	1,605			1,565			(2	)%
Total Investment Banking	1,057			674			930			1,167			851			1,085			736			(21	)%	2,661			2,672			—
Lending	250			530			(11		)	193			252			356			1,030			NM		769			1,638			NM
Equity Markets	1,213			652			1,040			596			1,070			812			634			(39	)%	2,905			2,516			(13	)%
Fixed Income Markets	5,380			3,715			3,501			1,481			3,795			3,033			3,802			9	%	12,596			10,630			(16	)%
Private Bank	494			512			497			501			515			555			557			12	%	1,503			1,627			8	%
Other Securities and Banking	(383		)	(121		)	(356		)	(397		)	(463		)	(360		)	(36		)	90	%	(860		)	(859		)	—
Total Securities and Banking Revenues	$	8,011		$	5,962		$	5,601		$	3,541		$	6,020		$	5,481		$	6,723		20	%	$	19,574		$	18,224		(7	)%

Credit Valuation Adjustment (CVA) {included in lines above}	285			255			99			(1,038		)	(229		)	147			1,888			NM		639			1,806			NM
Total Revenues Excluding CVA	$	7,726		$	5,707		$	5,502		$	4,579		$	6,249		$	5,334		$	4,835		(12	)%	$	18,935		$	16,418		(13	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

INSTITUTIONAL CLIENTS GROUP

TRANSACTION SERVICES

(In millions of dollars)

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

Net Interest Revenue	$	1,393		$	1,406		$	1,439		$	1,440		$	1,438		$	1,479		$	1,499		4	%	$	4,238		$	4,416		4	%
Non-Interest Revenue	1,052			1,105			1,104			1,132			1,122			1,195			1,215			10	%	3,261			3,532			8	%
Total Revenues, Net of Interest Expense	2,445			2,511			2,543			2,572			2,560			2,674			2,714			7	%	7,499			7,948			6	%
Total Operating Expenses	1,163			1,181			1,236			1,324			1,319			1,391			1,443			17	%	3,580			4,153			16	%
Net Credit Losses	1			1			1			3			7			(1		)	17			NM		3			23			NM
Provision for Unfunded Lending Commitments	—			—			—			—			—			—			(9		)	—		—			(9		)	—
Credit Reserve Build / (Release)	(19		)	(33		)	(16		)	4			—			27			(18		)	(13	)%	(68		)	9			NM
Provision for Benefits & Claims	—			—			—			—			—			—			—			—		—			—			—
Provision for Credit Losses and for Benefits and Claims	(18		)	(32		)	(15		)	7			7			26			(10		)	33	%	(65		)	23			NM
Income from Continuing Operations before Taxes	1,300			1,362			1,322			1,241			1,234			1,257			1,281			(3	)%	3,984			3,772			(5	)%
Income Taxes	361			431			396			364			383			379			384			(3	)%	1,188			1,146			(4	)%
Income from Continuing Operations	939			931			926			877			851			878			897			(3	)%	2,796			2,626			(6	)%
Net Income Attributable to Minority Interests	5			5			5			6			4			5			5			—		15			14			(7	)%
Net Income	$	934		$	926		$	921		$	871		$	847		$	873		$	892		(3	)%	$	2,781		$	2,612		(6	)%
Average Assets (in billions of dollars)	$	99		$	100		$	109		$	120		$	124		$	131		$	133		22	%	$	103		$	129		25	%
Return on Assets	3.83		%	3.71		%	3.35		%	2.88		%	2.77		%	2.67		%	2.66		%			3.61		%	2.71		%

Revenue Details
Treasury and Trade Solutions	$	1,789		$	1,814		$	1,854		$	1,841		$	1,843		$	1,933		$	1,950		5	%	5,457			5,726			5	%
Securities and Fund Services	656			697			689			731			717			741			764			11	%	2,042			2,222			9	%
Total	$	2,445		$	2,511		$	2,543		$	2,572		$	2,560		$	2,674		$	2,714		7	%	$	7,499		$	7,948		6	%

Average Deposits and Other Customer Liability Balances (in billions)
North America	$	72		74			81			78			$	79		85			91			12	%	$	75		$	86		15	%
EMEA	106			106			111			116			118			119			115			4	%	108			117			8	%
Latin America	26			25			26			29			32			33			34			31	%	26			33			27	%
Asia	115			115			122			130			126			128			125			2	%	117			126			8	%
Total	$	319		$	320		$	340		$	353		$	355		$	365		$	365		7	%	$	326		$	362		11	%

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

North America

(In millions of dollars)

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

Net Interest Revenue	$	4,484		$	4,305		$	3,962		$	4,007		$	3,855		$	3,711		$	3,773		(5	)%	$	12,751		$	11,339		(11	)%
Non-Interest Revenue	3,509			2,652			2,603			1,146			2,417			2,390			2,710			4	%	8,764			7,517			(14	)%
Total Revenues, Net of Interest Expense	7,993			6,957			6,565			5,153			6,272			6,101			6,483			(1	)%	21,515			18,856			(12	)%
Total Operating Expenses	3,462			3,596			3,351			3,561			3,774			3,878			3,724			11	%	10,409			11,376			9	%
Net Credit Losses	2,231			2,144			2,240			1,841			1,595			1,424			1,195			(47	)%	6,615			4,214			(36	)%
Credit Reserve Build / (Release)	(25		)	(72		)	215			(478		)	(722		)	(748		)	(569		)	NM		118			(2,039		)	NM
Provision Unfunded Lending Commitments	(1		)	(20		)	(5		)	1			9			—			58			NM		(26		)	67			NM
Provision for Benefits & Claims	8			5			6			5			6			4			7			17	%	19			17			(11	)%
Provision for Credit Losses and for Benefits and Claims	2,213			2,057			2,456			1,369			888			680			691			(72	)%	6,726			2,259			(66	)%
Income from Continuing Operations before Taxes	2,318			1,304			758			223			1,610			1,543			2,068			NM		4,380			5,221			19	%
Income Taxes	718			278			24			(61		)	488			383			589			NM		1,020			1,460			43	%
Income from Continuing Operations	1,600			1,026			734			284			1,122			1,160			1,479			NM		3,360			3,761			12	%
Net Income (loss) Attributable to Minority Interests	5			1			14			33			(8		)	(7		)	(17		)	NM		20			(32		)	NM
Net Income	$	1,595		$	1,025		$	720		$	251		$	1,130		$	1,167		$	1,496		NM		$	3,340		$	3,793		14	%
Average Assets (in billions of dollars)	$	544		$	551		$	519		$	527		$	545		$	551		$	545		5	%	$	538		$	547		2	%
Return on Assets	1.19		%	0.75		%	0.55		%	0.19		%	0.84		%	0.85		%	1.09		%			0.83		%	0.93		%

Revenue by Business
Retail Banking	$	1,279		$	1,324		$	1,373		$	1,349		$	1,188		$	1,250		$	1,282		(7	)%	$	3,976		$	3,720		(6	)%
Citi-Branded Cards	2,521			2,370			2,368			2,206			2,147			2,117			2,136			(10	)%	7,259			6,400			(12	)%
Regional Consumer Banking	3,800			3,694			3,741			3,555			3,335			3,367			3,418			(9	)%	11,235			10,120			(10	)%
Securities and Banking	3,553			2,628			2,203			1,009			2,328			2,125			2,445			11	%	8,384			6,898			(18	)%
Transaction Services	640			635			621			589			609			609			620			—		1,896			1,838			(3	)%
Total Revenues	$	7,993		$	6,957		$	6,565		$	5,153		$	6,272		$	6,101		$	6,483		(1	)%	$	21,515		$	18,856		(12	)%

Income (loss) from Continuing Operations by Business
Retail Banking	$	167		$	207		$	205		$	183		$	90		$	102		$	126		(39	)%	$	579		$	318		(45	)%
Citi-Branded Cards	(150		)	(154		)	(28		)	220			460			584			566			NM		(332		)	1,610			NM
Regional Consumer Banking	17			53			177			403			550			686			692			NM		247			1,928			NM
Securities and Banking	1,423			816			430			(204		)	458			337			666			55	%	2,669			1,461			(45	)%
Transaction Services	160			157			127			85			114			137			121			(5	)%	444			372			(16	)%
Total	$	1,600		$	1,026		$	734		$	284		$	1,122		$	1,160		$	1,479		NM		$	3,360		$	3,761		12	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
EMEA
(In millions of dollars)

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

Net Interest Revenue	$	1,174		$	1,203		$	1,215		$	1,210		$	1,168		$	1,073		$	1,168		(4	)%	$	3,592		$	3,409		(5	)%
Non-Interest Revenue	2,579			1,782			1,702			843			2,126			1,855			2,387			40	%	6,063			6,368			5	%
Total Revenues, Net of Interest Expense	3,753			2,985			2,917			2,053			3,294			2,928			3,555			22	%	9,655			9,777			1	%
Total Operating Expenses	1,788			2,058			1,821			1,849			1,891			2,006			1,966			8	%	5,667			5,863			3	%
Net Credit Losses	116			94			82			124			92			72			86			5	%	292			250			(14	)%
Credit Reserve Build / (Release)	(174		)	(165		)	(150		)	(45		)	(274		)	(105		)	(30		)	80	%	(489		)	(409		)	16	%
Provision Unfunded Lending Commitments	(6		)	(5		)	6			(1		)	(5		)	(5		)	(4		)	NM		(5		)	(14		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—						—		—			—			—
Provision for Credit Losses and for Benefits and Claims	(64		)	(76		)	(62		)	78			(187		)	(38		)	52			NM		(202		)	(173		)	14	%
Income from Continuing Operations before Taxes	2,029			1,003			1,158			126			1,590			960			1,537			33	%	4,190			4,087			(2	)%
Income Taxes	682			280			336			(103		)	498			300			502			49	%	1,298			1,300			—
Income from Continuing Operations	1,347			723			822			229			1,092			660			1,035			26	%	2,892			2,787			(4	)%
Net Income Attributable to Minority Interests	20			17			17			17			21			17			22			29	%	54			60			11	%
Net Income	$	1,327		$	706		$	805		$	212		$	1,071		$	643		$	1,013		26	%	$	2,838		$	2,727		(4	)%
Average Assets (in billions of dollars)	$	241		$	241		$	259		$	269		$	263		$	297		$	310		20	%	$	247		$	290		17	%
Return on Assets	2.23		%	1.18		%	1.23		%	0.31		%	1.65		%	0.87		%	1.30		%			1.54		%	1.26		%

Revenue by Business
Retail Banking	$	220		$	203		$	184		$	215		$	217		$	212		$	199		8	%	$	607		$	628		3	%
Citi-Branded Cards	183			171			163			164			179			176			164			1	%	517			519			—
Regional Consumer Banking	403			374			347			379			396			388			363			5	%	$	1,124		$	1,147		2	%
Securities and Banking	2,517			1,763			1,735			834			2,061			1,642			2,299			33	%	6,015			6,002			—
Transaction Services	833			848			835			840			837			898			893			7	%	2,516			2,628			4	%
Total	$	3,753		$	2,985		$	2,917		$	2,053		$	3,294		$	2,928		$	3,555		22	%	$	9,655		$	9,777		1	%

Income (loss) from Continuing Operations by Business
Retail Banking	$	(9	)	$	6		$	(24	)	$	(27	)	$	3		$	(17	)	$	(21	)	13	%	$	(27	)	$	(35	)	(30	)%
Citi-Branded Cards	33			42			41			29			45			45			30			(27	)%	116			120			3	%
Regional Consumer Banking	24			48			17			2			48			28			9			(47	)%	$	89		$	85		(4	)%
Securities and Banking	1,020			355			499			(69		)	766			343			737			48	%	1,874			1,846			(1	)%
Transaction Services	303			320			306			296			278			289			289			(6	)%	929			856			(8	)%
Total	$	1,347		$	723		$	822		$	229		$	1,092		$	660		$	1,035		26	%	$	2,892		$	2,787		(4	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
LATIN AMERICA
(In millions of dollars)

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

Net Interest Revenue	$	2,189		$	2,176		$	2,248		$	2,395		$	2,357		$	2,478		$	2,412		7	%	$	6,613		$	7,247		10	%
Non-Interest Revenue	838			856			1,007			1,039			942			1,051			969			(4	)%	2,701			2,962			10	%
Total Revenues, Net of Interest Expense	3,027			3,032			3,255			3,434			3,299			3,529			3,381			4	%	9,314			10,209			10	%
Total Operating Expenses	1,525			1,673			1,692			1,834			1,787			1,921			1,921			14	%	4,890			5,629			15	%
Net Credit Losses	511			471			452			462			411			423			413			(9	)%	1,434			1,247			(13	)%
Credit Reserve Build / (Release)	(153		)	(256		)	(353		)	(156		)	(239		)	(13		)	31			NM		(762		)	(221		)	71	%
Provision Unfunded Lending Commitments	—			—			—			—			—			—			(9		)	—		—			(9		)	—
Provision for Benefits & Claims	36			22			32			37			38			22			38			—		90			98			9	%
Provision for Credit Losses and for Benefits and Claims	394			237			131			343			210			432			473			NM		762			1,115			46	%
Income from Continuing Operations before Taxes	1,108			1,122			1,432			1,257			1,302			1,176			987			(31	)%	3,662			3,465			(5	)%
Income Taxes	321			295			449			310			376			316			266			(41	)%	1,065			958			(10	)%
Income from Continuing Operations	787			827			983			947			926			860			721			(27	)%	2,597			2,507			(3	)%
Net Income (loss) Attributable to Minority Interests	(5		)	1			(2		)	—			(3		)	1			—			—		(6		)	(2		)	67	%
Net Income	$	792		$	826		$	985		$	947		$	929		$	859		$	721		(27	)%	$	2,603		$	2,509		(4	)%
Average Assets (in billions of dollars)	$	146		$	149		$	150		$	159		$	171		$	177		$	169		13	%	$	148		$	172		16	%
Return on Assets	2.20		%	2.22		%	2.61		%	2.36		%	2.20		%	1.95		%	1.69		%			2.35		%	1.95		%

Revenue by Business
Retail Banking	$	1,187		$	1,227		$	1,290		$	1,330		$	1,336		$	1,402		$	1,397		8	%	$	3,704		$	4,135		12	%
Citi-Branded Cards	880			881			933			957			961			1,010			1,023			10	%	2,694			2,994			11	%
Regional Consumer Banking	2,067			2,108			2,223			2,287			2,297			2,412			2,420			9	%	$	6,398		$	7,129		11	%
Securities and Banking	611			561			643			732			586			681			519			(19	)%	1,815			1,786			(2	)%
Transaction Services	349			363			389			415			416			436			442			14	%	1,101			1,294			18	%
Total	$	3,027		$	3,032		$	3,255		$	3,434		$	3,299		$	3,529		$	3,381		4	%	$	9,314		$	10,209		10	%

Income from Continuing Operations by Business
Retail Banking	$	232		$	250		$	251		$	205		$	299		$	242		$	173		(31	)%	$	733		$	714		(3	)%
Citi-Branded Cards	133			216			281			221			179			160			171			(39	)%	630			510			(19	)%
Regional Consumer Banking	365			466			532			426			478			402			344			(35	)%	$	1,363		$	1,224		(10	)%
Securities and Banking	266			204			277			344			274			297			208			(25	)%	747			779			4	%
Transaction Services	156			157			174			177			174			161			169			(3	)%	487			504			3	%
Total	$	787		$	827		$	983		$	947		$	926		$	860		$	721		(27	)%	$	2,597		$	2,507		(3	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

ASIA

(In millions of dollars)

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

Net Interest Revenue	$	1,953		$	1,996		$	1,990		$	2,078		$	2,081		$	2,284		$	2,310		16	%	$	5,939		$	6,675		12	%
Non-Interest Revenue	1,796			1,519			1,562			1,542			1,558			1,506			1,976			27	%	4,877			5,040			3	%
Total Revenues, Net of Interest Expense	3,749			3,515			3,552			3,620			3,639			3,790			4,286			21	%	10,816			11,715			8	%
Total Operating Expenses	1,820			1,849			2,067			2,198			2,149			2,257			2,167			5	%	5,736			6,573			15	%
Net Credit Losses	284			256			246			235			220			234			239			(3	)%	786			693			(12	)%
Credit Reserve Build / (Release)	(8		)	(146		)	(139		)	(62		)	(23		)	(43		)	(62		)	55	%	(293		)	(128		)	56	%
Provision for Unfunded Lending Commitments	—			(1		)	—			—			—			—			—			—		(1		)	—			100	%
Provision for Benefits & Claims	—			—			—			—			—			—			—			—		—			—			—
Provision for Credit Losses and for Benefits and Claims	276			109			107			173			197			191			177			65	%	492			565			15	%
Income from Continuing Operations before Taxes	1,653			1,557			1,378			1,249			1,293			1,342			1,942			41	%	4,588			4,577			—
Income Taxes	298			394			384			237			338			354			531			38	%	1,076			1,223			14	%
Income from Continuing Operations	1,355			1,163			994			1,012			955			988			1,411			42	%	3,512			3,354			(4	)%
Net Income Attributable to Minority Interests	1			1			1			1			1			1			1			—		3			3			—
Net Income	$	1,354		$	1,162		$	993		$	1,011		$	954		$	987		$	1,410		42	%	$	3,509		$	3,351		(5	)%
Average Assets (in billions of dollars)	$	302		$	309		$	324		$	339		$	344		$	356		$	357		10	%	$	312		$	352		13	%
Return on Assets	1.82		%	1.51		%	1.22		%	1.18		%	1.12		%	1.11		%	1.57		%			1.50		%	1.27		%

Revenue by Business
Retail Banking	$	1,112		$	1,147		$	1,142		$	1,185		$	1,148		$	1,235		$	1,255		10	%	$	3,401		$	3,638		7	%
Citi-Branded Cards	684			693			692			741			748			791			812			17	%	2,069			2,351			14	%
Regional Consumer Banking	1,796			1,840			1,834			1,926			1,896			2,026			2,067			13	%	$	5,470		$	5,989		9	%
Securities and Banking	1,330			1,010			1,020			966			1,045			1,033			1,460			43	%	3,360			3,538			5	%
Transaction Services	623			665			698			728			698			731			759			9	%	1,986			2,188			10	%
Total	$	3,749		$	3,515		$	3,552		$	3,620		$	3,639		$	3,790		$	4,286		21	%	$	10,816		$	11,715		8	%

Income from Continuing Operations by Business
Retail Banking	$	409		$	371		$	323		$	333		$	280		$	306		$	356		10	%	$	1,103		$	942		(15	)%
Citi-Branded Cards	156			192			173			174			180			179			211			22	%	521			570			9	%
Regional Consumer Banking	565			563			496			507			460			485			567			14	%	$	1,624		$	1,512		(7	)%
Securities and Banking	470			303			179			186			210			212			526			NM		952			948			—
Transaction Services	320			297			319			319			285			291			318			—		936			894			(4	)%
Total	$	1,355		$	1,163		$	994		$	1,012		$	955		$	988		$	1,411		42	%	$	3,512		$	3,354		(4	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

STATEMENT OF INCOME AND BALANCE SHEET DATA

(In millions of dollars)

																						3Q11 vs.		Nine			Nine			YTD 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q10 Increase/		Months			Months			YTD 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			(Decrease)		2010			2011			(Decrease)
Revenues
Net interest revenue	$	4,375		$	3,971		$	3,519		$	2,908		$	2,630		$	2,652		$	2,473		(30	)%	11,865			7,755			(35	)%
Non-interest revenue	2,175			948			334			1,057			653			1,359			353			6	%	3,457			2,365			(32	)%
Total revenues, net of interest expense	6,550			4,919			3,853			3,965			3,283			4,011			2,826			(27	)%	15,322			10,120			(34	)%

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	5,241			4,998			4,640			4,191			3,950			2,995			2,581			(44	)%	14,879			9,526			(36	)%
Credit Reserve Build / (Release)	340			(800		)	(1,567		)	(1,473		)	(2,112		)	(1,057		)	(835		)	47	%	(2,027		)	(4,004		)	(98	)%
Provision for loan losses	5,581			4,198			3,073			2,718			1,838			1,938			1,746			(43	)%	12,852			5,522			(57	)%
Provision for Benefits & Claims	243			185			189			196			216			193			215			14	%	617			624			1	%
Provision for unfunded lending commitments	(26		)	(45		)	26			(37		)	21			(8		)	(3		)	NM		(45		)	10			NM
Total provisions for credit losses and for benefits and claims	5,798			4,338			3,288			2,877			2,075			2,123			1,958			(40	)%	13,424			6,156			(54	)%

Total operating expenses	2,573			2,435			2,228			2,379			2,019			2,204			2,104			(6	)%	7,236			6,327			(13	)%

Income (Loss) from Continuing Operations before Income Taxes	(1,821		)	(1,854		)	(1,663		)	(1,291		)	(811		)	(316		)	(1,236		)	26	%	(5,338		)	(2,363		)	56	%
Provision (benefits) for income taxes	(946		)	(650		)	(597		)	(380		)	(264		)	(148		)	(441		)	26	%	(2,193		)	(853		)	61	%

Income (Loss) from Continuing Operations	(875		)	(1,204		)	(1,066		)	(911		)	(547		)	(168		)	(795		)	25	%	(3,145		)	(1,510		)	52	%
Net Income (Loss) attributable to noncontrolling Minority Interests (Minority Interest)	11			8			80			108			61			50			7			(91	)%	99			118			19	%
Citi Holding’s Net Income (Loss)	$	(886	)	$	(1,212	)	$	(1,146	)	$	(1,019	)	$	(608	)	$	(218	)	$	(802	)	30	%	$	(3,244	)	$	(1,628	)	50	%

Balance Sheet Data (in billions):

Total EOP Assets	$	503		$	465		$	421		$	359		$	337		$	308		$	289		(31	)%

Total EOP Deposits	$	86		$	82		$	82		$	79		$	77		$	73		$	71		(14	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

BROKERAGE AND ASSET MANAGEMENT

(In millions of dollars)

	1Q 2010			2Q 2010			3Q 2010			4Q 2010			1Q 2011			2Q 2011			3Q 2011			3Q11 vs. 3Q10 Increase/ (Decrease)		Nine Months 2010			Nine Months 2011			YTD 2011 vs. YTD 2010 Increase/ (Decrease)
Net Interest Revenue	$	(65	)	$	(71	)	$	(87	)	$	(54	)	$	(46	)	$	(44	)	$	(42	)	52	%	$	(223	)	$	(132	)	41	%
Non-Interest Revenue	405			212			79			190			183			91			97			23	%	696			371			(47	)%
Total Revenues, Net of Interest Expense	340			141			(8		)	136			137			47			55			NM		473			239			(49	)%
Total Operating Expenses	273			267			231			216			174			230			145			(37	)%	771			549			(29	)%
Net Credit Losses	11			1			2			3			1			—			3			50	%	14			4			(71	)%
Credit Reserve Build / (Release)	(7		)	(3		)	(4		)	(4		)	(1		)	(2		)	—			100	%	(14		)	(3		)	79	%
Provision for Benefits & Claims	9			9			9			11			8			9			11			22	%	27			28			4	%
Provision for Unfunded Lending Commitments	—			(6		)	—			—			—			1			(1		)	—		(6		)	—			100	%
Provision for Loan Losses and for Benefits and Claims	13			1			7			10			8			8			13			86	%	21			29			38	%
Income (loss) from Continuing Operations before Taxes	54			(127		)	(246		)	(90		)	(45		)	(191		)	(103		)	58	%	(319		)	(339		)	(6	)%
Income Taxes (benefits)	(22		)	(33		)	(93		)	(35		)	(35		)	(91		)	(20		)	78	%	(148		)	(146		)	1	%
Income (loss) from Continuing Operations	76			(94		)	(153		)	(55		)	(10		)	(100		)	(83		)	46	%	(171		)	(193		)	(13	)%
Net Income (loss) Attributable to Minority Interests	(5		)	7			6			3			2			1			7			17	%	8			10			25	%
Net Income (Loss)	$	81		$	(101	)	$	(159	)	$	(58	)	$	(12	)	$	(101	)	$	(90	)	43	%	$	(179	)	$	(203	)	(13	)%
EOP Assets (in billions of dollars)	$	31		$	30		$	28		$	27		$	27		$	27		$	26		(7	)%

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING

Page 1

(In millions of dollars)

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

Net Interest Revenue	$	4,020		$	3,688		$	3,383		$	2,740		$	2,617		$	2,831		$	2,750		(19	)%	$	11,091		$	8,198		(26	)%
Non-Interest Revenue	650			518			164			663			536			118			248			51	%	1,332			902			(32	)%
Total Revenues, Net of Interest Expense	4,670			4,206			3,547			3,403			3,153			2,949			2,998			(15	)%	12,423			9,100			(27	)%
Total Operating Expenses	2,165			2,039			1,876			1,977			1,763			1,879			1,898			1	%	6,080			5,540			(9	)%
Net Credit Losses	4,938			4,535			3,949			3,618			3,279			2,776			2,376			(40	)%	13,422			8,431			(37	)%
Credit Reserve Build / (Release)	386			(421		)	(953		)	(783		)	(1,110		)	(664		)	(558		)	41	%	(988		)	(2,332		)	NM
Provision for Benefits & Claims	234			176			180			185			208			184			204			13	%	590			596			1	%
Provision for Unfunded Lending Commitments	—			—			—			—			—			—			—			—		—			—			—
Provision for Loan Losses and for Benefits and Claims	5,558			4,290			3,176			3,020			2,377			2,296			2,022			(36	)%	13,024			6,695			(49	)%
Income (loss) from Continuing Operations before Taxes	(3,053		)	(2,123		)	(1,505		)	(1,594		)	(987		)	(1,226		)	(922		)	39	%	(6,681		)	(3,135		)	53	%
Income Taxes (benefits)	(1,224		)	(897		)	(675		)	(491		)	(388		)	(480		)	(337		)	50	%	(2,796		)	(1,205		)	57	%
Income (loss) from Continuing Operations	(1,829		)	(1,226		)	(830		)	(1,103		)	(599		)	(746		)	(585		)	30	%	(3,885		)	(1,930		)	50	%
Net Income (loss) Attributable to Minority Interests	—			7			—			1			—			—			—			—		7			—			(100	)%
Net Income (Loss)	$	(1,829	)	$	(1,233	)	$	(830	)	$	(1,104	)	$	(599	)	$	(746	)	$	(585	)	30	%	$	(3,892	)	$	(1,930	)	50	%
Average Assets (in billions of dollars)	$	355		$	333		$	317		$	291		$	246		$	233		$	225		(29	)%	$	335		$	235		(30	)%
EOP Assets (in billions of dollars)	$	346		$	323		$	298		$	252		$	237		$	228		$	218		(27	)%

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

Revenue by Business
International	$	335		$	444		$	500		$	231		$	115		$	394		$	215		(57	)%	$	1,279		$	724		(43	)%
Retail Partner Cards	2,206			2,113			2,060			1,787			1,741			1,700			1,790			(13	)%	6,379			5,231			(18	)%
North America (ex Cards)	2,129			1,649			987			1,385			1,297			855			993			1	%	4,765			3,145			(34	)%
Total Revenues	$	4,670		$	4,206		$	3,547		$	3,403		$	3,153		$	2,949		$	2,998		(15	)%	$	12,423		$	9,100		(27	)%

Net Credit Losses by Business
International	$	612		$	495		$	444		$	376		$	341		$	286		$	237		(47	)%	$	1,551		$	864		(44	)%
Retail Partner Cards	1,932			1,775			1,505			1,352			1,111			956			784			(48	)%	5,212			2,851			(45	)%
North America (ex Cards)	2,394			2,265			2,000			1,890			1,827			1,534			1,355			(32	)%	6,659			4,716			(29	)%
Total Net Credit Losses	$	4,938		$	4,535		$	3,949		$	3,618		$	3,279		$	2,776		$	2,376		(40	)%	$	13,422		$	8,431		(37	)%

Income (Loss) from Continuing Operations by Business
International	$	(557	)	$	(186	)	$	(115	)	$	(281	)	$	(332	)	$	(135	)	$	(160	)	(39	)%	$	(858	)	$	(627	)	27	%
Retail Partner Cards	(259		)	102			381			87			426			490			476			25	%	224			1,392			NM
North America (ex Cards)	(1,013		)	(1,142		)	(1,096		)	(909		)	(693		)	(1,101		)	(901		)	18	%	(3,251		)	(2,695		)	17	%
Total Income (Loss) from Continuing Operations	$	(1,829	)	$	(1,226	)	$	(830	)	$	(1,103	)	$	(599	)	$	(746	)	$	(585	)	30	%	$	(3,885	)	$	(1,930	)	50	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING - Page 2

(In millions of dollars, except branches)

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

International Key Indicators

Branches	539			537			537			506			503			503			413			(23	)%

Average Loans (in billions) (1)	$	30.0		$	26.1		$	25.0		$	23.6		$	18.9		$	17.9		$	15.9		(36	)%

EOP Loans (1):
Real Estate Lending	$	7.8		$	7.0		$	7.0		$	6.6		$	6.5		$	5.4		$	5.3		(24	)%
Cards	7.0			6.2			6.5			6.2			3.5			3.6			3.3			(49	)%
Commercial Markets	1.1			0.9			1.0			0.9			0.8			0.8			0.6			(40	)%
Personal and Other	11.8			10.5			10.2			8.2			7.3			6.8			5.6			(45	)%
EOP Loans (in billions of dollars)	$	27.7		$	24.6		$	24.7		$	21.9		$	18.1		$	16.6		$	14.8		(40	)%
Net Interest Revenue	$	465		$	390		$	396		$	144		$	20		$	291		$	186		(53	)%
As a % of Average Loans	6.29		%	5.99		%	6.28		%	2.42		%	0.43		%	6.52		%	4.64		%
Net Credit Losses	$	612		$	495		$	444		$	376		$	341		$	286		$	237		(47	)%
As a % of Average Loans	8.27		%	7.61		%	7.05		%	6.32		%	7.32		%	6.41		%	5.91		%
Loans 90+ Days Past Due	$	953		$	724		$	713		$	657		$	571		$	530		$	480		(33	)%
As a % of EOP Loans	3.44		%	2.94		%	2.89		%	3.00		%	3.15		%	3.19		%	3.24		%
Loans 30-89 Days Past Due	$	1,059		$	939		$	978		$	848		$	815		$	726		$	677		(31	)%
As a % of EOP Loans	3.82		%	3.82		%	3.96		%	3.87		%	4.50		%	4.37		%	4.57		%

North America Key Indicators - Retail Partner Cards (1)

EOP Open Accounts (in millions)	95.1			92.4			90.8			89.1			86.5			85.8			84.5			(7	)%
Purchase Sales (in billions)	$	18.7		$	21.4		$	20.1		$	21.9		$	16.3		$	19.6		$	18.8		(6	)%

Average Loans (in billions) (1)	$	57.1		$	53.1		$	48.8		$	45.8		$	43.8		$	41.8		$	41.4		(15	)%

EOP Loans (in billions) (1)	$	54.5		$	50.2		$	46.0		$	46.4		$	41.3		$	41.9		$	41.1		(11	)%

Average Yield (2)	18.27		%	18.31		%	18.53		%	17.78		%	18.11		%	18.09		%	18.27		%
Net Interest Revenue (3)	$	2,044		$	1,989		$	1,878		$	1,664		$	1,651		$	1,663		$	1,749		(7	)%
As a % of Avg. Loans	14.52		%	15.02		%	15.27		%	14.41		%	15.29		%	15.96		%	16.76		%

Net Credit Losses	$	1,932		$	1,775		$	1,505		$	1,352		$	1,111		$	956		$	784		(48	)%
As a % of Avg. Loans	13.72		%	13.41		%	12.24		%	11.71		%	10.29		%	9.17		%	7.51		%
Net Credit Margin (4)	$	254		$	318		$	536		$	416		$	607		$	722		$	983		83	%
As a % of Avg. Loans	1.80		%	2.40		%	4.36		%	3.60		%	5.62		%	6.93		%	9.42		%
Loans 90+ Days Past Due	$	2,374		$	1,996		$	1,739		$	1,601		$	1,300		$	1,059		$	1,016		(42	)%
As a % of EOP Loans	4.36		%	3.98		%	3.78		%	3.45		%	3.15		%	2.53		%	2.47		%
Loans 30-89 Days Past Due	$	2,316		$	2,090		$	1,914		$	1,685		$	1,460		$	1,315		$	1,329		(31	)%
As a % of EOP Loans	4.25		%	4.16		%	4.16		%	3.63		%	3.54		%	3.14		%	3.23		%

(1)	Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.
(2)	Average Yield is gross interest revenue earned divided by average loans.
(3)	Net Interest Revenue includes certain fees that are recorded as interest revenue.
(4)	Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING - Page 3

(In millions of dollars, except branches)

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

North America Key Indicators (ex Cards) (1)

Branches	2,250			2,218			1,841			1,837			1,835			1,816			1,794			(3	)%

Average Loans (in billions of dollars)	$	230.9		$	222.5		$	174.6		$	161.6		$	153.6		$	145.2		$	136.9		(22	)%

EOP Loans (in billions of dollars)	$	226.7		$	211.5		$	167.1		$	156.6		$	147.7		$	139.5		$	130.7		(22	)%
Net Interest Revenue	1,511			1,309			1,109			932			946			877			815			(27	)%
As a % of Avg. Loans	2.65		%	2.36		%	2.52		%	2.29		%	2.50		%	2.42		%	2.36		%
Net Credit Losses	$	2,394		$	2,265		$	2,000		$	1,890		$	1,827		$	1,534		$	1,355		(32	)%
As a % of Average Loans	4.20		%	4.08		%	4.54		%	4.64		%	4.82		%	4.24		%	3.93		%
Loans 90+ Days Past Due (2) (3)	$	13,470		$	11,643		$	9,362		$	7,958		$	6,660		$	5,493		$	5,339		(43	)%
As a % of EOP Loans	6.27		%	5.84		%	6.03		%	5.43		%	4.83		%	4.23		%	4.40		%
Loans 30-89 Days Past Due (2) (3)	$	8,803		$	8,112		$	7,458		$	6,863		$	5,294		$	5,201		$	5,209		(30	)%
As a % of EOP Loans	4.10		%	4.07		%	4.81		%	4.68		%	3.84		%	4.01		%	4.29		%

KEY INDICATORS:

Residential Real Estate Lending
Average Loans (in billions of dollars)	$	150.4		$	145.1		$	136.9		$	129.2		$	123.6		$	118.6		$	114.0		(17	)%
EOP Loans (in billions of dollars)	$	147.7		$	139.6		$	132.5		$	125.6		$	119.9		$	116.0		$	110.9		(16	)%
Third Party Mortgage Serv Portfolio (EOP, in billions)	$	341.4		$	327.6		$	307.7		$	259.9		$	244.4		$	234.8		$	207.2		(33	)%
Net Servicing & Gain/(Loss) on Sale	$	69.6		$	180.7		$	80.8		$	172.2		$	53.4		$	(20.3	)	$	86.4		7	%
Net Interest Revenue on Loans	$	582		$	461		$	440		$	409		$	434		$	371		$	310		(30	)%
As a % of Avg. Loans	1.57		%	1.27		%	1.28		%	1.26		%	1.42		%	1.25		%	1.08		%
Net Credit Losses	$	1,699		$	1,546		$	1,381		$	1,268		$	1,264		$	1,088		$	979		(29	)%
As a % of Avg. Loans	4.58		%	4.27		%	4.00		%	3.89		%	4.15		%	3.68		%	3.41		%
Loans 90+ Days Past Due (2) (3)	$	10,938		$	9,300		$	8,231		$	6,860		$	5,703		$	4,967		$	4,836		(41	)%
As a % of EOP Loans	8.05		%	7.29		%	6.83		%	5.94		%	5.18		%	4.67		%	4.76		%
Loans 30-89 Days Past Due (2) (3)	$	6,313		$	5,771		$	5,769		$	5,374		$	4,265		$	4,344		$	4,401		(24	)%
As a % of EOP Loans	4.65		%	4.52		%	4.78		%	4.65		%	3.87		%	4.09		%	4.34		%

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

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

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

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

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING - Page 4

North America

(In millions of dollars)

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

KEY INDICATORS:

Personal Loans
Average Loans (in billions of dollars)	$	15.0		$	14.0		$	13.4		$	13.1		$	12.5		$	11.5		$	11.3		(16	)%
EOP Loans (in billions of dollars)	$	14.5		$	13.6		$	13.3		$	12.9		$	12.2		$	11.4		$	11.1		(17	)%
Net Interest Revenue on Loans	$	590		$	551		$	534		$	534		$	509		$	518		$	522		(2	)%
As a % of Avg. Loans	15.95		%	15.79		%	15.81		%	16.17		%	16.51		%	18.07		%	18.33		%
Net Credit Losses	$	383		$	428		$	363		$	351		$	387		$	313		$	246		(32	)%
As a % of Avg. Loans	10.36		%	12.26		%	10.75		%	10.63		%	12.56		%	10.92		%	8.64		%
Loans 90+ Days Past Due	$	520		$	437		$	487		$	547		$	449		$	350		$	352		(28	)%
As a % of EOP Loans	3.59		%	3.21		%	3.66		%	4.24		%	3.68		%	3.07		%	3.17		%
Loans 30-89 Days Past Due	$	323		$	343		$	405		$	335		$	244		$	251		$	247		(39	)%
As a % of EOP Loans	2.23		%	2.52		%	3.05		%	2.60		%	2.00		%	2.20		%	2.23		%

Commercial Real Estate
Average Loans (in billions of dollars)	$	10.5		$	10.1		$	7.7		$	4.5		$	3.3		$	1.9		$	1.2		(84	)%
EOP Loans (in billions of dollars)	$	10.3		$	9.9		$	5.4		$	3.4		$	2.0		$	1.3		$	1.1		(80	)%
Net Interest Revenue on Loans	$	33		$	33		$	19		$	8		$	3		$	3		$	4		(79	)%
As a % of Avg. Loans	1.27		%	1.31		%	0.98		%	0.71		%	0.37		%	0.63		%	1.32		%
Net Credit Losses	$	64		$	93		$	61		$	39		$	27		$	9		$	7		(89	)%
As a % of Avg. Loans	2.47		%	3.69		%	3.14		%	3.44		%	3.32		%	1.90		%	2.31		%
Loans 90+ Days Past Due (1)	$	306		$	258		$	77		$	73		$	57		$	61		$	34		(56	)%
As a % of EOP Loans	2.97		%	2.61		%	1.43		%	2.15		%	2.85		%	4.69		%	3.09		%
Loans 30-89 Days Past Due (1)	$	136		$	155		$	112		$	85		$	29		$	13		$	10		(91	)%
As a % of EOP Loans	1.32		%	1.57		%	2.07		%	2.50		%	1.45		%	1.00		%	0.91		%

Student Loans, Auto and Other (2)
Average Loans (in billions of dollars)	$	55.0		$	53.3		$	16.6		$	14.8		$	14.2		$	13.2		$	10.4		(37	)%
EOP Loans (in billions of dollars)	$	54.2		$	48.4		$	15.9		$	14.7		$	13.6		$	10.8		$	7.6		(52	)%
Net Credit Losses	$	248		$	198		$	195		$	232		$	149		$	124		$	123		(37	)%
As a % of Avg. Loans	1.83		%	1.49		%	4.66		%	6.22		%	4.26		%	3.77		%	4.69		%
Loans 90+ Days Past Due (3) (4)	$	1,706		$	1,648		$	567		$	478		$	451		$	115		$	117		(79	)%
As a % of EOP Loans	3.15		%	3.40		%	3.57		%	3.25		%	3.32		%	1.06		%	1.54		%
Loans 30-89 Days Past Due (3) (4)	$	2,031		$	1,843		$	1,172		$	1,069		$	756		$	593		$	551		(53	)%
As a % of EOP Loans	3.75		%	3.81		%	7.37		%	7.27		%	5.56		%	5.49		%	7.25		%

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

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

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

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

SPECIAL ASSET POOL

(In millions of dollars)


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

Net Interest Revenue	$	420		$	354		$	223		$	222		$	59		$	(135	)	$	(235	)	NM		$	997		$	(311	)	NM
Non-Interest Revenue	1,120			218			91			204			(66		)	1,150			8			(91	)%	1,429			1,092			(24	)%
Total Revenues, Net of Interest Expense	1,540			572			314			426			(7		)	1,015			(227		)	NM		2,426			781			(68	)%
Total Operating Expenses	135			129			121			186			82			95			61			(50	)%	385			238			(38	)%
Net Credit Losses	292			462			689			570			670			219			202			(71	)%	1,443			1,091			(24	)%
Credit Reserve Build / (Release)	(39		)	(376		)	(610		)	(686		)	(1,001		)	(391		)	(277		)	55	%	(1,025		)	(1,669		)	(63	)%
Provision for Benefits & Claims	—			—			—			—			—			—			—			—		—			—			—
Provision for Unfunded Lending Commitments	(26		)	(39		)	26			(37		)	21			(9		)	(2		)	NM		(39		)	10			NM
Provision for Loan Losses and for Benefits and Claims	227			47			105			(153		)	(310		)	(181		)	(77		)	NM		379			(568		)	NM
Income from Continuing Operations before Taxes	1,178			396			88			393			221			1,101			(211		)	NM		1,662			1,111			(33	)%
Income Taxes	300			280			171			146			159			423			(84		)	NM		751			498			(34	)%
Income from Continuing Operations	878			116			(83		)	247			62			678			(127		)	(53	)%	911			613			(33	)%
Net Income (loss) Attributable to Minority Interests	16			(6		)	74			104			59			49			—			(100	)%	84			108			29	%
Net Income (Loss)	$	862		$	122		$	(157	)	$	143		$	3		$	629		$	(127	)	19	%	$	827		$	505		(39	)%

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

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

Taxable Equivalent Basis

	Average Volumes						Interest						% Average Rate (4)
	Third		Second		Third		Third		Second		Third		Third		Second		Third
	Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter
In millions of dollars	2010		2011		2011 (5)		2010		2011		2011 (5)		2010		2011		2011 (5)
Assets:
Deposits with Banks	$	160,541	$	173,728	$	167,808	$	318	$	460	$	423	0.79	%	1.06	%	1.00	%
Fed Funds Sold and Resale Agreements (6)	246,944		280,149		281,033		807		903		948		1.30	%	1.29	%	1.34	%
Trading Account Assets (7)	273,302		278,536		275,750		2,043		2,235		2,094		2.97	%	3.22	%	3.01	%
Investments	327,568		318,385		296,854		2,647		2,218		2,037		3.21	%	2.79	%	2.72	%
Total Loans (net of Unearned Income) (8)	649,534		646,194		644,462		13,335		12,774		12,674		8.15	%	7.93	%	7.80	%
Other Interest-Earning Assets	56,542		50,432		50,755		277		116		106		1.94	%	0.92	%	0.83	%
Total Average Interest-Earning Assets	$	1,714,431	$	1,747,424	$	1,716,662	$	19,427	$	18,706	$	18,282	4.50	%	4.29	%	4.23	%

Liabilities:
Deposits (excluding deposit insurance and FDIC Assessment)	$	727,955	$	723,761	$	705,229	$	1,904	$	1,863	$	1,841	1.04	%	1.03	%	1.04	%
Deposit Insurance and FDIC Assessment	—		—		—		226		367		387
Total Deposits	727,955		723,761		705,229		2,130		2,230		2,228		1.16	%	1.24	%	1.25	%
Fed Funds Purchased and Repurchase Agreements (6)	205,415		221,699		218,416		671		933		796		1.30	%	1.69	%	1.45	%
Trading Account Liabilities (7)	75,465		91,845		96,708		108		168		91		0.57	%	0.73	%	0.37	%
Short-Term Borrowings	144,918		129,394		125,794		213		168		155		0.58	%	0.52	%	0.49	%
Long-Term Debt (9)	363,933		358,381		329,730		3,061		2,937		2,760		3.34	%	3.29	%	3.32	%
Total Average Interest-Bearing Liabilities	$	1,517,686	$	1,525,080	$	1,475,877	$	6,183	$	6,436	$	6,030	1.62	%	1.69	%	1.62	%
Total Average Interest-Bearing Liabilities (excluding deposit insurance and FDIC Assessment)	$	1,517,686	$	1,525,080	$	1,475,877	$	5,957	$	6,069	$	5,643	1.56	%	1.60	%	1.52	%

Net Interest Revenue as a % of Average Interest-Earning Assets (NIM)							$	13,244	$	12,270	$	12,252	3.06	%	2.82	%	2.83	%

NIR as a % of Average Interest-Earning Assets (NIM) (excluding deposit insurance and FDIC Assessment)							$	13,470	$	12,637	$	12,639	3.12	%	2.90	%	2.92	%

3Q11 Increase (Decrease) From													(23	)bps	1	bps

3Q11 Increase (Decrease) (excluding deposit insurance and FDIC Assessment) From													(20	)bps	2	bps

(1)	Net Interest Revenue includes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $116 million for the third quarter of 2010, $122 million for the second quarter of 2011 and $138 million for the third quarter of 2011.
(2)	Citigroup Average Balances and Interest Rates include both domestic and international operations.
(3)	Monthly averages have been used by certain subsidiaries where daily averages are unavailable.
(4)	Average Rate % is calculated as annualized interest over average volumes.
(5)	Preliminary.
(6)	Average volumes of securities borrowed or purchased under agreements to resell and securities loaned or sold under agreements to repurchase are reported net pursuant to FIN 41; the related interest excludes the impact of FIN 41.
(7)	Interest expense on trading account liabilities of ICG is reported as a reduction of interest revenue. Interest revenue and interest expense on cash collateral positions are reported in trading account assets and trading account liabilities, respectively.
(8)	Nonperforming loans are included in the average loan balances.
(9)	Excludes hybrid financial instruments with changes recorded in Principal Transactions.

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

EOP DEPOSITS

TOTAL CITIGROUP

(In billions of dollars)

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

Citicorp Deposits by Business

Regional Consumer Banking
North America	$	146.4	$	144.7	$	143.7	$	145.2	$	145.4	$	144.1	$	147.4	3	%
EMEA	9.4		8.7		9.4		9.7		9.8		10.0		9.4		—
Latin America	40.6		40.9		41.7		46.3		48.7		49.0		43.7		5	%
Asia	98.4		97.1		105.4		107.3		109.8		112.7		109.3		4	%
Total	$	294.8	$	291.4	$	300.2	$	308.5	$	313.7	$	315.8	$	309.8	3	%

ICG
Securities and Banking	$	120.5	$	112.4	$	115.5	$	111.4	$	115.0	$	113.8	$	104.3	(10	)%
Transaction Services	314.5		314.9		341.4		339.8		355.3		358.3		361.7		6	%
Total	$	435.0	$	427.3	$	456.9	$	451.2	$	470.3	$	472.1	$	466.0	2	%

Total Citicorp	$	729.8	$	718.7	$	757.1	$	759.7	$	784.0	$	787.9	$	775.8	2	%

Citi Holdings Deposits

Brokerage and Asset Management	$	58.9	$	57.1	$	56.9	$	57.8	$	57.7	$	55.2	$	53.7	(6	)%
Local Consumer Lending	26.6		25.1		25.4		21.4		19.4		18.1		17.1		(33	)%
Total Citi Holdings	$	85.5	$	82.2	$	82.3	$	79.2	$	77.1	$	73.3	$	70.8	(14	)%

Corporate/Other Deposits	$	12.6	$	13.1	$	10.7	$	6.1	$	4.8	$	5.1	$	4.7	(56	)%

Total Citigroup Deposits	$	827.9	$	814.0	$	850.1	$	845.0	$	865.9	$	866.3	$	851.3	—

Reclassified to conform to the current period’s presentation.

EOP LOANS

TOTAL CITIGROUP

(In billions of dollars)

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

Citicorp:
Regional Consumer Banking

North America
Credit Cards	$	77.7	$	77.2	$	76.6	$	77.5	$	73.2	$	73.7	$	73.8	(4	)%
Retail Banking	31.5		30.2		29.4		30.7		33.0		34.5		36.5		24	%
Total	$	109.2	$	107.4	$	106.0	$	108.2	$	106.2	$	108.2	$	110.3	4	%

EMEA
Credit Cards	$	2.9	$	2.6	$	2.9	$	2.8	$	2.9	$	3.0	$	2.7	(7	)%
Retail Banking	4.6		4.0		4.4		4.2		4.5		4.7		4.3		(2	)%
Total	$	7.5	$	6.6	$	7.3	$	7.0	$	7.4	$	7.7	$	7.0	(4	)%

Latin America
Credit Cards	$	12.1	$	12.0	$	12.6	$	13.4	$	13.5	$	14.2	$	12.9	2	%
Retail Banking	18.4		18.5		19.6		20.4		22.0		23.7		22.0		12	%
Total	$	30.5	$	30.5	$	32.2	$	33.8	$	35.5	$	37.9	$	34.9	8	%

Asia
Credit Cards	$	17.5	$	17.6	$	19.0	$	20.4	$	20.0	$	21.0	$	20.0	5	%
Retail Banking	54.3		54.5		58.2		60.7		63.5		66.1		64.5		11	%
Total	$	71.8	$	72.1	$	77.2	$	81.1	$	83.5	$	87.1	$	84.5	9	%

Total Consumer Loans
Credit Cards	$	110.2	$	109.4	$	111.1	$	114.1	$	109.6	$	111.9	$	109.4	(2	)%
Retail Banking	108.8		107.2		111.6		116.0		123.0		129.0		127.3		14	%
Total Consumer	$	219.0	$	216.6	$	222.7	$	230.1	$	232.6	$	240.9	$	236.7	6	%

Total Corporate Loans
Securities and Banking	$	129.8	$	127.4	$	129.9	$	132.5	$	138.5	$	146.2	$	149.1	15	%
Global Transaction Services	30.5		35.2		40.9		44.1		47.2		52.9		57.8		41	%
Total Corporate Loans	$	160.3	$	162.6	$	170.8	$	176.6	$	185.7	$	199.1	$	206.9	21	%

Total Citicorp	$	379.3	$	379.2	$	393.5	$	406.7	$	418.3	$	440.0	$	443.6	13	%

Citi Holdings:

Local Consumer Lending - North America
Credit Cards	$	54.5	$	50.2	$	46.0	$	46.4	$	41.3	$	41.9	$	41.1	(11	)%
Real Estate Lending	147.7		139.6		132.5		125.6		119.9		116.0		110.9		(16	)%
Commercial Real Estate	10.3		9.9		5.4		3.4		2.0		1.3		1.1		(80	)%
Student Loans, Auto and Other	54.2		48.4		15.9		14.7		13.6		10.8		7.6		(52	)%
Personal	14.5		13.6		13.3		12.9		12.2		11.4		11.1		(17	)%
Total	$	281.2	$	261.7	$	213.1	$	203.0	$	189.0	$	181.4	$	171.8	(19	)%

Local Consumer Lending - International
Credit Cards	$	7.0	$	6.2	$	6.5	$	6.2	$	3.5	$	3.6	$	3.3	(49	)%
Retail Banking	20.7		18.4		18.2		15.7		14.6		13.0		11.5		(37	)%
Total	$	27.7	$	24.6	$	24.7	$	21.9	$	18.1	$	16.6	$	14.8	(40	)%

Citi Holdings - Other	$	33.6	$	26.7	$	23.0	$	17.2	$	11.7	$	9.5	7.0		(70	)%

Total Citi Holdings	$	342.5	$	313.0	$	260.8	$	242.1	$	218.8	$	207.5	$	193.6	(26	)%
Total Citigroup - GAAP	$	721.8	$	692.2	$	654.3	$	648.8	$	637.1	$	647.5	$	637.2	(3	)%

Consumer Loans	$	529.7	$	503.5	$	461.1	$	455.7	$	438.9	$	440.4	$	424.6	(8	)%
Corporate Loans	192.1		188.6		193.2		193.1		198.2		207.1		212.6		10	%
Total Citigroup - GAAP	$	721.8	$	692.1	$	654.3	$	648.8	$	637.1	$	647.5	$	637.2	(3	)%

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

Loans on the Consolidated Balance Sheet.

SUPPLEMENTAL DETAIL

CONSUMER LOANS 90+DAYS DELINQUENCY AMOUNTS AND RATIOS

BUSINESS VIEW

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

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

Citicorp (2)
Total	$	3,974		$	3,798		$	3,432		$	3,101		$	2,973		$	2,783		$	2,469		$	236.7
*Ratio*	1.81		%	1.75		%	1.55		%	1.35		%	1.28		%	1.16		%	1.05		%

Retail Bank (2)
Total	$	819		$	869		$	842		$	760		$	801		$	812		$	759		$	127.3
Ratio	0.75		%	0.81		%	0.76		%	0.66		%	0.66		%	0.63		%	0.60		%
North America (2)	$	142		$	245		$	221		$	228		$	241		$	211		$	232		$	36.5
Ratio	0.45		%	0.81		%	0.77		%	0.76		%	0.75		%	0.63		%	0.66		%
EMEA	$	108		$	109		$	105		$	84		$	76		$	76		$	65		$	4.3
Ratio	2.35		%	2.73		%	2.39		%	2.00		%	1.69		%	1.62		%	1.51		%
Latin America	$	323		$	308		$	290		$	223		$	249		$	259		$	239		$	22.0
Ratio	1.76		%	1.66		%	1.48		%	1.09		%	1.13		%	1.09		%	1.09		%
Asia	$	246		$	207		$	226		$	225		$	235		$	266		$	223		$	64.5
Ratio	0.45		%	0.38		%	0.39		%	0.37		%	0.37		%	0.40		%	0.35		%

Citi-Branded Cards
Total	$	3,155		$	2,929		$	2,590		$	2,341		$	2,172		$	1,971		$	1,710		$	109.4
Ratio	2.86		%	2.68		%	2.33		%	2.05		%	1.98		%	1.76		%	1.56		%
North America	$	2,304		$	2,130		$	1,807		$	1,597		$	1,432		$	1,205		$	1,053		$	73.8
Ratio	2.97		%	2.76		%	2.36		%	2.06		%	1.96		%	1.64		%	1.43		%
EMEA	$	77		$	72		$	69		$	58		$	60		$	54		$	47		$	2.7
Ratio	2.66		%	2.77		%	2.38		%	2.07		%	2.07		%	1.80		%	1.74		%
Latin America	$	510		$	481		$	472		$	446		$	445		$	462		$	396		$	12.9
Ratio	4.21		%	4.01		%	3.75		%	3.33		%	3.30		%	3.25		%	3.07		%
Asia	$	264		$	246		$	242		$	240		$	235		$	250		$	214		$	20.0
Ratio	1.51		%	1.40		%	1.27		%	1.18		%	1.18		%	1.19		%	1.07		%

Citi Holdings - Local Consumer Lending (2) (3)	$	16,797		$	14,363		$	11,814		$	10,216		$	8,531		$	7,082		$	6,835		$	186.6
*Ratio*	5.66		%	5.24		%	5.23		%	4.76		%	4.32		%	3.76		%	3.86		%
International	$	953		$	724		$	713		$	657		$	571		$	530		$	480		$	14.8
Ratio	3.44		%	2.94		%	2.89		%	3.00		%	3.15		%	3.19		%	3.24		%
North America Retail Partner Cards	$	2,374		$	1,996		$	1,739		$	1,601		$	1,300		$	1,059		$	1,016		$	41.1
Ratio	4.36		%	3.98		%	3.78		%	3.45		%	3.15		%	2.53		%	2.47		%
North America (excluding Cards) (2) (3)	$	13,470		$	11,643		$	9,362		$	7,958		$	6,660		$	5,493		$	5,339		$	130.7
Ratio	6.27		%	5.84		%	6.03		%	5.43		%	4.83		%	4.23		%	4.40		%

Total Citigroup (excluding Special Asset Pool) (2) (3)	$	20,771		$	18,161		$	15,246		$	13,317		$	11,504		$	9,865		$	9,304		$	423.3
Ratio	4.03		%	3.70		%	3.40		%	3.00		%	2.68		%	2.30		%	2.25		%

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

(2)	The 90+ Days Past Due and related ratios for North America RCB and North America Local Consumer Lending (excluding Cards) excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies. See North America Retail Consumer Banking on page 10 and Local Consumer Lending on page 29.

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

Reclassified to conform to the current period’s presentation

SUPPLEMENTAL DETAIL

CONSUMER LOANS 30-89 DAYS DELINQUENCY AMOUNTS AND RATIOS
BUSINESS VIEW
(In millions of dollars, except loan amounts in billions of dollars)

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

Citicorp (2)
Total	$	4,398		$	3,932		$	3,820		$	3,553		$	3,359		$	3,112		$	2,830		$	236.7
*Ratio*	2.01		%	1.82		%	1.72		%	1.55		%	1.45		%	1.30		%	1.20		%

Retail Bank (2)
Total	$	1,304		$	1,205		$	1,277		$	1,146		$	1,142		$	1,088		$	974		$	127.3
Ratio	1.20		%	1.12		%	1.15		%	0.99		%	0.94		%	0.85		%	0.77		%
North America (2)	$	236		$	241		$	243		$	212		$	185		$	209		$	217		$	36.5
Ratio	0.75		%	0.80		%	0.85		%	0.71		%	0.58		%	0.62		%	0.62		%
EMEA	$	203		$	158		$	156		$	136		$	143		$	132		$	106		$	4.3
Ratio	4.41		%	3.95		%	3.55		%	3.24		%	3.18		%	2.81		%	2.47		%
Latin America	$	389		$	336		$	402		$	265		$	323		$	301		$	266		$	22.0
Ratio	2.11		%	1.82		%	2.05		%	1.30		%	1.47		%	1.27		%	1.21		%
Asia	$	476		$	470		$	476		$	533		$	491		$	446		$	385		$	64.5
Ratio	0.88		%	0.86		%	0.82		%	0.88		%	0.77		%	0.67		%	0.60		%

Citi-Branded Cards
Total	$	3,094		$	2,727		$	2,543		$	2,407		$	2,217		$	2,024		$	1,856		$	109.4
Ratio	2.81		%	2.49		%	2.29		%	2.11		%	2.02		%	1.81		%	1.70		%
North America	$	2,145		$	1,828		$	1,687		$	1,539		$	1,327		$	1,132		$	1,095		$	73.8
Ratio	2.76		%	2.37		%	2.20		%	1.99		%	1.81		%	1.54		%	1.48		%
EMEA	$	113		$	90		$	86		$	72		$	78		$	72		$	63		$	2.7
Ratio	3.90		%	3.46		%	2.97		%	2.57		%	2.69		%	2.40		%	2.33		%
Latin America	$	475		$	485		$	442		$	456		$	454		$	469		$	398		$	12.9
Ratio	3.93		%	4.04		%	3.51		%	3.40		%	3.36		%	3.30		%	3.09		%
Asia	$	361		$	324		$	328		$	340		$	358		$	351		$	300		$	20.0
Ratio	2.06		%	1.84		%	1.73		%	1.67		%	1.79		%	1.67		%	1.50		%

Citi Holdings - Local Consumer Lending (2) (3)	$	12,178		$	11,141		$	10,350		$	9,396		$	7,569		$	7,242		$	7,215		$	186.6
*Ratio*	4.10		%	4.06		%	4.58		%	4.38		%	3.84		%	3.85		%	4.07		%

International	$	1,059		$	939		$	978		$	848		$	815		$	726		$	677		$	14.8
Ratio	3.82		%	3.82		%	3.96		%	3.87		%	4.50		%	4.37		%	4.57		%
North America Retail Partner Cards	$	2,316		$	2,090		$	1,914		$	1,685		$	1,460		$	1,315		$	1,329		$	41.1
Ratio	4.25		%	4.16		%	4.16		%	3.63		%	3.54		%	3.14		%	3.23		%
North America (excluding Cards) (2) (3)	$	8,803		$	8,112		$	7,458		$	6,863		$	5,294		$	5,201		$	5,209		$	130.7
Ratio	4.10		%	4.07		%	4.81		%	4.68		%	3.84		%	4.01		%	4.29		%

Total Citigroup (excluding Special Asset Pool) (2)(3)	$	16,576		$	15,073		$	14,170		$	12,949		$	10,928		$	10,354		$	10,045		$	423.3
Ratio	3.21		%	3.07		%	3.16		%	2.92		%	2.55		%	2.42		%	2.43		%

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

(2)	The 30-89 Days Past Due and related ratios for North America RCB and North America Local Consumer Lending (excluding Cards) excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies. See North America Retail Consumer Banking on page 10 and Local Consumer Lending on page 29.

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

Reclassified to conform to the current period’s presentation

ALLOWANCE FOR CREDIT LOSSES - PAGE 1
TOTAL CITIGROUP
(In millions of dollars)

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

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

Gross Credit (Losses)	(9,202		)	(9,006		)	(8,499		)	(7,784		)	(7,131		)	(5,906		)	(5,217		)	39	%	(26,707		)	(18,254		)	32	%
Gross Recoveries	818			1,044			840			930			862			759			703			(16	)%	2,702			2,324			(14	)%
Net Credit (Losses) / Recoveries (NCL’s)	(8,384		)	(7,962		)	(7,659		)	(6,854		)	(6,269		)	(5,147		)	(4,514		)	41	%	(24,005		)	(15,930		)	34	%
NCL’s	8,384			7,962			7,659			6,854			6,269			5,147			4,514			(41	)%	24,005			15,930			(34	)%
Net Reserve Builds / (Releases)	(882		)	(1,752		)	(1,470		)	(2,419		)	(3,482		)	(1,950		)	(1,591		)	(8	)%	(4,104		)	(7,023		)	(71	)%
Net Specific Reserve Builds / (Releases) (2)	864			313			(523		)	204			112			(16		)	126			NM		654			222			(66	)%
Provision for Loan Losses	8,366			6,523			5,666			4,639			2,899			3,181			3,049			(46	)%	20,555			9,129			(56	)%
Other (4) (5) (6) (7) (8) (9) (10) (11)	12,731			(1,110		)	(530		)	(804		)	(717		)	(240		)	(845		)			11,091			(1,802		)
Allowance for Loan Losses at End of Period (1) (3) (a)	$	48,746		$	46,197		$	43,674		$	40,655		$	36,568		$	34,362		$	32,052				$	43,674		$	32,052

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

Provision for Unfunded Lending Commitments	$	(35	)	$	(71	)	$	26		$	(37	)	$	25		$	(13	)	$	43				$	(80	)	$	55

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

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

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

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

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

(3)	Included in the Allowance for Loan Losses are reserves for Consumer Troubled Debt Restructurings (TDRs) of $6,926 million, $7,320 million, $7,090 million, $7,609 million, $8,417 million, $8,751 million and $8,908 million, as of March 31, 2010, June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, June 30, 2011 and September 30, 2011, respectively.

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

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

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

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

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

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

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

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

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

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

ALLOWANCE FOR CREDIT LOSSES - PAGE 2
TOTAL CITIGROUP
(In millions of dollars)

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

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

Net Credit (Losses) / Recoveries (NCL’s)	(8,020		)	(7,490		)	(6,737		)	(6,188		)	(5,420		)	(4,797		)	(4,242		)	37	%	(22,247		)	(14,459		)	35	%
NCL’s	8,020			7,490			6,737			6,188			5,420			4,797			4,242			(37	)%	22,247			14,459			(35	)%
Net Reserve Builds / (Releases)	(510		)	(1,301		)	(1,167		)	(1,918		)	(2,885		)	(1,795		)	(1,473		)	(26	)%	(2,978		)	(6,153		)	NM
Net Specific Reserve Builds / (Releases) (2)	731			484			(222		)	587			906			267			235			NM		993			1,408			42	%
Provision for Loan Losses	8,241			6,673			5,348			4,857			3,441			3,269			3,004			(44	)%	20,262			9,714			(52	)%
Other (4) (5) (6) (7) (8) (9) (10) (11)	12,801			(1,023		)	(576		)	(827		)	(741		)	(243		)	(811		)			11,202			(1,795		)	NM
Allowance for Loan Losses at End of Period (1) (3) (a)	$	41,369		$	39,529		$	37,564		$	35,406		$	32,686		$	30,915		$	28,866				$	37,564		$	28,866

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

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

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

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

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

Net Credit (Losses) / Recoveries (NCL’s)	(364		)	(472		)	(922		)	(666		)	(849		)	(350		)	(272		)	70	%	(1,758		)	(1,471		)	16	%
NCL’s	364			472			922			666			849			350			272			(70	)%	1,758			1,471			(16	)%
Net Reserve Builds / (Releases)	(372		)	(451		)	(303		)	(501		)	(597		)	(155		)	(118		)	61	%	(1,126		)	(870		)	23	%
Net Specific Reserve Builds / (Releases)	133			(171		)	(301		)	(383		)	(794		)	(283		)	(109		)	64	%	(339		)	(1,186		)	NM
Provision for Loan Losses	125			(150		)	318			(218		)	(542		)	(88		)	45			(86	)%	293			(585		)	NM
Other (3)	(70		)	(87		)	46			23			24			3			(34		)			(111		)	(7		)
Allowance for Loan Losses at End of Period (1) (b)	$	7,377		$	6,668		$	6,110		$	5,249		$	3,882		$	3,447		$	3,186				$	6,110		$	3,186
																							��
Corporate Allowance for Unfunded Lending Commitments (12) (b)	$	1,116		$	1,054		$	1,102		$	1,066		$	1,105		$	1,094		$	1,135				$	1,102		$	1,135

Provision for Unfunded Lending Commitments	$	(35	)	$	(62	)	$	26		$	(37	)	$	25		$	(16	)	$	41				$	(71	)	$	50

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

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

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

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

(3)		Included in the Allowance for Loan Losses are reserves for Consumer Troubled Debt Restructurings (TDRs) of $6,926 million, $7,320 million, $7,090 million, $7,609 million, $8,417 million, $8,751 million and $8,908 million, as of March 31, 2010, June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, June 30, 2011 and September 30, 2011, respectively.

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

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

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

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

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

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

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

(11)		The third quarter of 2011 includes a reduction of approximately $300 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of approximately $485 million related to foreign currency translation.

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

(13)		March 31, 2010, June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, June 30, 2011 and September 30, 2011, excludes $2.9 billion, $2.6 billion, $2.4 billion, $1.7 billion $1.5 billion, $1.4 billion and $1.3 billion, respectively, of Loans which are carried at fair value.

(14)		March 31, 2010, June 30, 2010, September 30, 2010, December 31, 2010, March 31, 2011, June 30, 2011 and September 30, 2011 excludes $2.5 billion, $2.3 billion $2.8 billion $2.6 billion $2.9 billion, $3.4 billion and $4.1 billion, respectively, of Loans which are carried at fair value.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 1
CITICORP
(In millions of dollars)

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

Citicorp
Net Credit Losses	$	3,142		$	2,965		$	3,020		$	2,662		$	2,318		$	2,153		$	1,933		(36	)%	$	9,127		$	6,404		(30	)%
Credit Reserve Build / (Release)	(360		)	(639		)	(427		)	(741		)	(1,258		)	(909		)	(630		)	(48	)%	(1,426		)	(2,797		)	(96	)%
Consumer Banking
Net Credit Losses	$	3,039		$	2,922		$	2,730		$	2,525		$	2,108		$	2,003		$	1,846		(32	)%	$	8,691		$	5,957		(31	)%
Credit Reserve Build / (Release)	(183		)	(407		)	(400		)	(551		)	(864		)	(853		)	(662		)	(66	)%	(990		)	(2,379		)	NM
North America Consumer Banking
Net Credit Losses	2,156			2,127			1,970			1,766			1,440			1,306			1,155			(41	)%	6,253			3,901			(38	)%
Credit Reserve Build / (Release)	4			(9		)	40			(348		)	(648		)	(758		)	(653		)	NM		35			(2,059		)	NM
Retail Banking
Net Credit Losses	73			79			90			97			88			77			65			(28	)%	242			230			(5	)%
Credit Reserve Build / (Release)	4			(9		)	40			5			1			7			8			(80	)%	35			16			(54	)%
Citi-Branded Cards
Net Credit Losses	2,083			2,048			1,880			1,669			1,352			1,229			1,090			(42	)%	6,011			3,671			(39	)%
Credit Reserve Build / (Release)	—			—			—			(353		)	(649		)	(765		)	(661		)	—		—			(2,075		)	—
EMEA Consumer Banking
Net Credit Losses	97			84			63			72			49			47			49			(22	)%	244			145			(41	)%
Credit Reserve Build / (Release)	(11		)	(46		)	(48		)	(13		)	(34		)	(55		)	(32		)	33	%	(105		)	(121		)	(15	)%
Retail Banking
Net Credit Losses	47			45			32			43			23			24			29			(9	)%	124			76			(39	)%
Credit Reserve Build / (Release)	(7		)	(21		)	(18		)	(7		)	(12		)	(29		)	(20		)	(11	)%	(46		)	(61		)	(33	)%
Citi-Branded Cards
Net Credit Losses	50			39			31			29			26			23			20			(35	)%	120			69			(43	)%
Credit Reserve Build / (Release)	(4		)	(25		)	(30		)	(6		)	(22		)	(26		)	(12		)	60	%	(59		)	(60		)	(2	)%
Latin America Consumer Banking
Net Credit Losses	509			457			451			451			407			425			406			(10	)%	1,417			1,238			(13	)%
Credit Reserve Build / (Release)	(138		)	(240		)	(298		)	(147		)	(147		)	(21		)	63			NM		(676		)	(105		)	84	%
Retail Banking
Net Credit Losses	91			96			129			123			103			117			113			(12	)%	316			333			5	%
Credit Reserve Build / (Release)	(7		)	(28		)	(53		)	3			(69		)	23			76			NM		(88		)	30			NM
Citi-Branded Cards
Net Credit Losses	418			361			322			328			304			308			293			(9	)%	1,101			905			(18	)%
Credit Reserve Build / (Release)	(131		)	(212		)	(245		)	(150		)	(78		)	(44		)	(13		)	95	%	(588		)	(135		)	77	%
Asia Consumer Banking
Net Credit Losses	277			254			246			236			212			225			236			(4	)%	777			673			(13	)%
Credit Reserve Build / (Release)	(38		)	(112		)	(94		)	(43		)	(35		)	(19		)	(40		)	57	%	(244		)	(94		)	61	%
Retail Banking
Net Credit Losses	78			83			82			79			63			80			88			7	%	243			231			(5	)%
Credit Reserve Build / (Release)	(17		)	(34		)	(29		)	(18		)	(8		)	(3		)	(15		)	48	%	(80		)	(26		)	68	%
Citi-Branded Cards
Net Credit Losses	199			171			164			157			149			145			148			(10	)%	534			442			(17	)%
Credit Reserve Build / (Release)	(21		)	(78		)	(65		)	(25		)	(27		)	(16		)	(25		)	62	%	(164		)	(68		)	59	%

Institutional Clients Group (ICG)
Net Credit Losses	103			43			290			137			210			150			87			(70	)%	436			447			3	%
Credit Reserve Build / (Release)	(177		)	(232		)	(27		)	(190		)	(394		)	(56		)	32			NM		(436		)	(418		)	4	%
Securities and Banking
Net Credit Losses	102			42			289			134			203			151			70			(76	)%	433			424			(2	)%
Credit Reserve Build / (Release)	(158		)	(199		)	(11		)	(194		)	(394		)	(83		)	50			NM		(368		)	(427		)	(16	)%
Transaction Services
Net Credit Losses	1			1			1			3			7			(1		)	17			NM		3			23			NM
Credit Reserve Build / (Release)	(19		)	(33		)	(16		)	4			—			27			(18		)	(13	)%	(68		)	9			NM

Total Citicorp Provision for Loan Losses	$	2,782		$	2,326		$	2,593		$	1,921		$	1,060		$	1,244		$	1,303		(50	)%	$	7,701		$	3,607		(53	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 2

CITI HOLDINGS / TOTAL CITIGROUP

(In millions of dollars)

																						3Q11 vs.		Nine			Nine			YTD 2011 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			3Q10 Increase/		Months			Months			YTD 2010 Increase/
	2010			2010			2010			2010			2011			2011			2011			(Decrease)		2010			2011			(Decrease)
Citi Holdings
Net Credit Losses	$	5,241		$	4,998		$	4,640		$	4,191		$	3,950		$	2,995		$	2,581		(44	)%	$	14,879		$	9,526		(36	)%
Credit Reserve Build / (Release)	340			(800		)	(1,567		)	(1,473		)	(2,112		)	(1,057		)	(835		)	47	%	(2,027		)	(4,004		)	(98	)%
Brokerage and Asset Management
Net Credit Losses	11			1			2			3			1			—			3			50	%	14			4			(71	)%
Credit Reserve Build / (Release)	(7		)	(3		)	(4		)	(4		)	(1		)	(2		)	—			100	%	(14		)	(3		)	79	%
Local Consumer Lending
Net Credit Losses	4,938			4,535			3,949			3,618			3,279			2,776			2,376			(40	)%	13,422			8,431			(37	)%
Credit Reserve Build / (Release)	386			(421		)	(953		)	(783		)	(1,110		)	(664		)	(558		)	41	%	(988		)	(2,332		)	NM
Special Asset Pool
Net Credit Losses	292			462			689			570			670			219			202			(71	)%	1,443			1,091			(24	)%
Credit Reserve Build / (Release)	(39		)	(376		)	(610		)	(686		)	(1,001		)	(391		)	(277		)	55	%	(1,025		)	(1,669		)	(63	)%

Total Citi Holdings Provision for Loan Losses	$	5,581		$	4,198		$	3,073		$	2,718		$	1,838		$	1,938		$	1,746		(43	)%	$	12,852		$	5,522		(57	)%

Total Citicorp Provision for Loan Losses (from prior page)	$	2,782		$	2,326		$	2,593		$	1,921		$	1,060		$	1,244		$	1,303		(50	)%	$	7,701		$	3,607		(53	)%

Corporate / Other	3			(1		)	—			—			1			(1		)	—			—		2			—			(100	)%

Total Citigroup Provision for Loan Losses	$	8,366		$	6,523		$	5,666		$	4,639		$	2,899		$	3,181		$	3,049		(46	)%	$	20,555		$	9,129		(56	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

NON-ACCRUAL ASSETS - PAGE 1

TOTAL CITIGROUP

(In millions of dollars)

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

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	5,660		$	4,411		$	3,299		$	2,112		$	1,997		$	1,899		$	1,639		(50	)%
EMEA	5,839			5,511			5,479			5,337			2,437			1,954			1,748			(68	)%
Latin America	613			581			664			701			606			528			442			(33	)%
Asia	831			546			517			470			451			451			342			(34	)%
Total	$	12,943		$	11,049		$	9,959		$	8,620		$	5,491		$	4,832		$	4,171		(58	)%

Consumer Non-Accrual Loans By Region (2)
North America	$	12,966		$	11,289		$	9,978		$	8,540		$	7,068		$	6,125		$	5,954		(40	)%
EMEA	785			687			752			652			657			644			514			(32	)%
Latin America	1,241			1,207			1,144			1,019			1,034			1,083			998			(13	)%
Asia	633			580			586			576			562			549			480			(18	)%
Total	$	15,625		$	13,763		$	12,460		$	10,787		$	9,321		$	8,401		$	7,946		(36	)%

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

ICG	$	846		$	830		$	842		$	796		$	743		$	770		$	764		(9	)%
Regional Consumer Banking	35			36			37			30			33			40			46			24	%
Brokerage and Asset Management	—			—			—			—			—			—			—			—
Local Consumer Lending	588			621			674			707			619			510			442			(34	)%
Special Asset Pool	44			179			181			156			168			98			92			(49	)%
Corporate/Other	8			7			7			14			14			16			13			86	%

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	1,521		$	1,673		$	1,741		$	1,703		$	1,577		$	1,434		$	1,357		(22	)%

OREO By Region:
North America	$	1,291		$	1,422		$	1,470		$	1,440		$	1,331		$	1,245		$	1,222		(17	)%
EMEA	134			146			164			161			140			133			79			(52	)%
Latin America	51			49			53			47			52			55			56			6	%
Asia	45			56			54			55			54			1			—			(100	)%
Total	$	1,521		$	1,673		$	1,741		$	1,703		$	1,577		$	1,434		$	1,357		(22	)%

Other Repossessed Assets (4)	$	64		$	55		$	38		$	28		$	21		$	18		$	24		(37	)%

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	12,943		$	11,049		$	9,959		$	8,620		$	5,491		$	4,832		$	4,171		(58	)%
Consumer Non-Accrual Basis Loans	15,625			13,763			12,460			10,787			9,321			8,401			7,946			(36	)%
Non-Accrual Loans (NAL)	28,568			24,812			22,419			19,407			14,812			13,233			12,117			(46	)%
OREO	1,521			1,673			1,741			1,703			1,577			1,434			1,357			(22	)%
Other Repossessed Assets	64			55			38			28			21			18			24			(37	)%
Non-Accrual Assets (NAA)	$	30,153		$	26,540		$	24,198		$	21,138		$	16,410		$	14,685		$	13,498		(44	)%

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

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

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

(2)	Excludes SOP 3-03 purchased distressed loans.
(3)	Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral.
(4)	Primarily transportation equipment, carried at lower of cost or fair value, less costs to sell.
(5)	There is no industry-wide definition of non-accrual assets. As such, analysis against the industry is not always comparable.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

NON-ACCRUAL ASSETS - PAGE 2

TOTAL CITICORP

(In millions of dollars)

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

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	1,258		$	1,046		$	1,115		$	987		$	1,181		$	1,189		$	1,243		11	%
EMEA	1,089			864			1,131			1,276			1,302			1,064			957			(15	)%
Latin America	347			313			378			472			427			392			361			(4	)%
Asia	292			363			349			356			356			341			300			(14	)%
Total	$	2,986		$	2,586		$	2,973		$	3,091		$	3,266		$	2,986		$	2,861		(4	)%

Consumer Non-Accrual Loans By Region (2)
North America	$	242		$	273		$	355		$	376		$	363		$	341		$	345		(3	)%
EMEA	210			145			144			102			110			104			76			(47	)%
Latin America	1,200			1,167			1,102			977			1,004			1,051			959			(13	)%
Asia	386			339			354			363			359			364			323			(9	)%
Total	$	2,038		$	1,924		$	1,955		$	1,818		$	1,836		$	1,860		$	1,703		(13	)%

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

ICG	$	846		$	830		$	842		$	796		$	743		$	770		$	764		(9	)%
Regional Consumer Banking	35			36			37			30			33			40			46			24	%

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	881		$	866		$	879		$	826		$	776		$	810		$	810		(8	)%

OREO By Region:
North America	$	783		$	803		$	821		$	777		$	727		$	759		$	766		(7	)%
EMEA	12			11			11			11			11			12			10			(9	)%
Latin America	41			39			42			34			34			38			34			(19	)%
Asia	45			13			5			4			4			1			—			(100	)%
Total	$	881		$	866		$	879		$	826		$	776		$	810		$	810		(8	)%

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

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	2,986		$	2,586		$	2,973		$	3,091		$	3,266		$	2,986		$	2,861		(4	)%
Consumer Non-Accrual Basis Loans	2,038			1,924			1,955			1,818			1,836			1,860			1,703			(13	)%
Non-Accrual Loans (NAL)	5,024			4,510			4,928			4,909			5,102			4,846			4,564			(7	)%
OREO	881			866			879			826			776			810			810			(8	)%
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	5,905		$	5,376		$	5,807		$	5,735		$	5,878		$	5,656		$	5,374		(7	)%

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

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

N/A	Not Available at the Citicorp level. See “Non-Accrual Assets - Page 1” (on page 41) for Total Citigroup balances.
(1)	Corporate loans are placed on non-accrual status based upon a review by Citigroup’s Risk officers. Corporate non-accrual loans may still be current on interest payments. With limited exceptions, the following practices are applied for Consumer loans. Consumer loans, excluding credit cards and mortgages, are placed on non-accrual status at 90 days past due, and are charged off at 120 days past due. Residential mortgage loans are placed on non-accrual status at 90 days past due and written down to net realizable value at 180 days past due. Consistent with industry conventions, Citigroup generally accrues interest on credit card loans until such loans are charged off, which typically occurs at 180 days contractual delinquency. As such, the non-accrual loan disclosures do not include credit card loans.

(2)	Excludes SOP 3-03 purchased distressed loans.
(3)	Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral.
(4)	Primarily transportation equipment, carried at lower of cost or fair value, less costs to sell.
(5)	There is no industry-wide definition of non-accrual assets. As such, analysis against the industry is not always comparable.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

NON-ACCRUAL ASSETS - PAGE 3

TOTAL CITI HOLDINGS

(In millions of dollars)

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

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	4,402		$	3,365		$	2,184		$	1,125		$	816		$	710		$	396		(82	)%
EMEA	4,750			4,647			4,348			4,061			1,135			890			791			(82	)%
Latin America	266			268			286			229			179			136			81			(72	)%
Asia	539			183			168			114			95			110			42			(75	)%
Total	$	9,957		$	8,463		$	6,986		$	5,529		$	2,225		$	1,846		$	1,310		(81	)%

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

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

Brokerage and Asset Management	$	—		$	—		$	—		$	—		$	—		$	—		$	—		—
Local Consumer Lending	588			621			674			707			619			510			442			(34	)%
Special Asset Pool	44			179			181			156			168			98			92			(49	)%

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	632		$	800		$	855		$	863		$	787		$	608		$	534		(38	)%

OREO By Region:
North America	$	500		$	612		$	642		$	649		$	590		$	470		$	443		(31	)%
EMEA	122			135			153			150			129			121			69			(55	)%
Latin America	10			10			11			13			18			17			22			100	%
Asia	—			43			49			51			50			—			—			(100	)%
Total	$	632		$	800		$	855		$	863		$	787		$	608		$	534		(38	)%

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

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	9,957		$	8,463		$	6,986		$	5,529		$	2,225		$	1,846		$	1,310		(81	)%
Consumer Non-Accrual Basis Loans	13,587			11,839			10,505			8,969			7,485			6,541			6,243			(41	)%
Non-Accrual Loans (NAL)	23,544			20,302			17,491			14,498			9,710			8,387			7,553			(57	)%
OREO	632			800			855			863			787			608			534			(38	)%
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	24,176		$	21,102		$	18,346		$	15,361		$	10,497		$	8,995		$	8,087		(56	)%

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

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

N/A	Not Available at the Citi Holdings level. See “Non-Accrual Assets - Page 1” (on page 41) for Total Citigroup balances.
(1)	Corporate loans are placed on non-accrual status based upon a review by Citigroup’s Risk officers. Corporate non-accrual loans may still be current on interest payments. With limited exceptions, the following practices are applied for Consumer loans. Consumer loans, excluding credit cards and mortgages, are placed on non-accrual status at 90 days past due, and are charged off at 120 days past due. Residential mortgage loans are placed on non-accrual status at 90 days past due and written down to net realizable value at 180 days past due. Consistent with industry conventions, Citigroup generally accrues interest on credit card loans until such loans are charged off, which typically occurs at 180 days contractual delinquency. As such, the non-accrual loan disclosures do not include credit card loans.

(2)	Excludes SOP 3-03 purchased distressed loans.
(3)	Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral.
(4)	Primarily transportation equipment, carried at lower of cost or fair value, less costs to sell.
(5)	There is no industry-wide definition of non-accrual assets. As such, analysis against the industry is not always comparable.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITIGROUP

NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS - PAGE 4

(In millions of dollars)

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

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

Tangible Book Value Per Share (page 1):

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

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

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

Reclassified to conform to the current period’s presentation.

Citigroup (C) 8-KCitigroup Reports Third Quarter 2011 Net Income of $3.8 Billion, Compared to $2.2 Billion In Third Quarter 2010