Citigroup (C) 8-K Results of Operations and Financial Condition

Exhibit 99.2

CITIGROUP -  QUARTERLY FINANCIAL DATA SUPPLEMENT 2Q13

	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
Global 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
Corporate / Other	21
Regional Totals
North America	22
EMEA	23
Latin America	24
Asia	25
Citi Holdings
Income Statement and Balance Sheet Data	26
Brokerage and Asset Management	27
Local Consumer Lending	28 - 30
Special Asset Pool	31
Citigroup Supplemental Detail
Average Balances and Interest Rates	32
Deposits	33
Loans
Citicorp	34
Citi Holdings / Total Citigroup	35
Consumer Loan Delinquency Amounts and Ratios
90+ Days	36
30-89 Days	37
Allowance for Credit Losses
Total Citigroup	38
Consumer and Corporate	39 - 40
Components of Provision for Loan Losses
Citicorp	41
Citi Holdings / Total Citigroup	42
Non-Accrual Assets
Total Citigroup	43
Citicorp	44
Citi Holdings	45
Reconciliation of Non-GAAP Financial Measures	46

CITIGROUP — FINANCIAL SUMMARY (In millions of dollars, except per share amounts, and as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Total Revenues, Net of Interest Expense	$	18,387		$	13,703		$	17,917		$	20,227		$	20,479		1	%	11	%	$	37,508		$	40,706		9	%
Total Operating Expenses	11,994			12,092			13,709			12,267			12,140			(1	)%	1	%	24,173			24,407			1	%
Net Credit Losses	3,491			3,897			2,985			2,878			2,608			(9	)%	(25	)%	7,349			5,486			(25	)%
Credit Reserve Build / (Release)	(1,016		)	(1,461		)	(147		)	(664		)	(781		)	(18	)%	23	%	(2,165		)	(1,445		)	33	%
Provision for Unfunded Lending Commitments	7			(41		)	56			14			(3		)	NM		NM		(31		)	11			NM
Provision for Benefits & Claims	214			225			219			231			200			(13	)%	(7	)%	443			431			(3	)%
Provision for Credit Losses and for Benefits and Claims	2,696			2,620			3,113			2,459			2,024			(18	)%	(25	)%	5,596			4,483			(20	)%
Income from Continuing Operations before Income Taxes	3,697			(1,009		)	1,095			5,501			6,315			15	%	71	%	7,739			11,816			53	%
Income Taxes (benefits)	718			(1,494		)	(214		)	1,570			2,127			35	%	NM		1,715			3,697			NM
Income from Continuing Operations	$	2,979		$	485		$	1,309		$	3,931		$	4,188		7	%	41	%	$	6,024		$	8,119		35	%
Income (Loss) from Discontinued Operations, net of Taxes	7			8			(85		)	(33		)	30			NM		NM		19			(3		)	NM
Net Income before Noncontrolling Interests	2,986			493			1,224			3,898			4,218			8	%	41	%	6,043			8,116			34	%
Net Income Attributable to Noncontrolling Interests	40			25			28			90			36			(60	)%	(10	)%	166			126			(24	)%
Citigroup’s Net Income	$	2,946		$	468		$	1,196		$	3,808		$	4,182		10	%	42	%	$	5,877		$	7,990		36	%
Diluted Earnings Per Share:
Income from Continuing Operations	$	0.95		$	0.15		$	0.41		$	1.24		$	1.33		7	%	40	%	$	1.90		$	2.57		35	%
Citigroup’s Net Income	$	0.95		$	0.15		$	0.38		$	1.23		$	1.34		9	%	41	%	$	1.91		$	2.57		35	%
Shares (in millions) (1):
Average Basic	2,926.6			2,926.8			2,942.7			3,040.1			3,040.7			—		4	%	2,926.4			3,040.4			4	%
Average Diluted	3,015.0			3,015.3			3,017.0			3,044.7			3,046.3			—		1	%	3,014.8			3,045.5			1	%
Common Shares Outstanding, at period end	2,932.5			2,932.5			3,028.9			3,042.9			3,041.0			—		4	%
Preferred Dividends - Basic	$	9		$	4		$	9		$	4		$	9		NM		—		$	13		$	13		—
Preferred Dividends - Diluted	$	9		$	4		$	9		$	4		$	9		NM		—		$	13		$	13		—
Income Allocated to Unrestricted Common Shareholders - Basic
Income from Continuing Operations	$	2,861		$	445		$	1,243		$	3,764		$	4,061		8	%	42	%	$	5,722		$	7,825		37	%
Citigroup’s Net Income	$	2,868		$	453		$	1,160		$	3,732		$	4,090		10	%	43	%	$	5,741		$	7,822		36	%
Income Allocated to Unrestricted Common Shareholders - Diluted
Income from Continuing Operations	$	2,865		$	447		$	1,244		$	3,765		$	4,061		8	%	42	%	$	5,730		$	7,826		37	%
Citigroup’s Net Income	$	2,872		$	455		$	1,161		$	3,732		$	4,091		10	%	42	%	$	5,749		$	7,823		36	%
Financial Ratios (2):
Tier 1 Common Ratio	12.71		%	12.73		%	12.67		%	11.84		%	12.2		%*
Tier 1 Capital Ratio	14.46		%	13.92		%	14.06		%	13.09		%	13.3		%*
Total Capital Ratio	17.70		%	17.12		%	17.26		%	16.09		%	16.3		%*
Leverage Ratio	7.66		%	7.39		%	7.48		%	7.78		%	7.9		%*
Return on Average Assets	0.62		%	0.10		%	0.25		%	0.82		%	0.89		%*					0.62		%	0.85		%*
Efficiency Ratio	65		%	88		%	77		%	61		%	59		%					64		%	60		%*
Return on Average Common Equity	6.5		%	1.0		%	2.5		%	8.2		%	8.8		%*					6.5		%	8.5		%*
Balance Sheet Data, EOP (in billions of dollars, except Book Value per Share):
Total Assets	$	1,916.5		$	1,931.3		$	1,864.7		$	1,881.7		$	1,884.0	*	—		(2	)%
Total Average Assets	1,916.1			1,909.4			1,905.4			1,886.8			1,895.2		*	—		(1	)%	1,914.0			1,891.0
Total Deposits	914.3			944.6			930.6			933.8			938.4		*	—		3	%
Citigroup’s Stockholders’ Equity	183.9			186.8			189.0			193.4			195.9		*	1	%	7	%
Book Value Per Share (3)	$	62.61		$	63.59		$	61.57		$	62.51		$	63.02	*	1	%	1	%
Tangible Book Value Per Share (3)	$	51.81		$	52.69		$	51.19		$	52.35		$	53.10	*	1	%	2	%
Direct Staff (in thousands)	261			262			259			257			253			(2	)%	(3	)%

(1)	Citi’s basic and end-of-period shares increased in the fourth quarter 2012 as compared to the third quarter 2012 due to the issuance of approximately 96 million shares of common stock during the quarter upon the automatic settlement of the T-DECS issued in December 2009, as previously announced.
(2)	First Quarter 2013 Basel I capital ratios reflect the final revised U.S. market risk capital rules (Basel II.5) that were effective beginning on January 1, 2013.
(3)	Citi’s book value and tangible book value per share each declined in the fourth quarter 2012 as compared to the third quarter 2012 due to the settlement of the T-DECS (see footnote 1 above).  Tangible book value per share is a non-GAAP financial measure.  See page 46 for a reconciliation of this measure.
*	Preliminary

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

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

1

CITIGROUP CONSOLIDATED STATEMENT OF INCOME (In millions of dollars)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Revenues
Interest revenue	$	16,686		$	16,737		$	16,581		$	15,960		$	15,840		(1	)%	(5	)%	$	33,980		$	31,800		(6	)%
Interest expense	5,343			5,026			4,665			4,330			4,158			(4	)%	(22	)%	10,921			8,488			(22	)%
Net interest revenue	11,343			11,711			11,916			11,630			11,682			—		3	%	23,059			23,312			1	%
Commissions and fees	3,032			3,258			3,355			3,479			3,344			(4	)%	10	%	6,119			6,823			12	%
Principal transactions	1,640			976			234			2,447			2,640			8	%	61	%	3,571			5,087			42	%
Administrative and other fiduciary fees	1,037			974			1,020			1,068			1,083			1	%	4	%	2,018			2,151			7	%
Realized gains (losses) on investments	273			615			438			450			251			(44	)%	(8	)%	2,198			701			(68	)%
Other-than-temporary impairment losses on investments and other assets (1)	(128		)	(3,470		)	(68)			(261		)	(162		)	38	%	(27	)%	(1,433		)	(423		)	70	%
Insurance premiums	601			597			585			590			582			(1	)%	(3	)%	1,213			1,172			(3	)%
Other revenue (2)	589			(958		)	437			824			1,059			29	%	80	%	763			1,883			NM
Total non-interest revenues	7,044			1,992			6,001			8,597			8,797			2	%	25	%	14,449			17,394			20	%
Total revenues, net of interest expense	18,387			13,703			17,917			20,227			20,479			1	%	11	%	37,508			40,706			9	%
Provisions for Credit Losses and for Benefits and Claims
Net credit losses	3,491			3,897			2,985			2,878			2,608			(9	)%	(25	)%	7,349			5,486			(25	)%
Credit reserve build / (release)	(1,016		)	(1,461		)	(147		)	(664		)	(781		)	(18	)%	23	%	(2,165		)	(1,445		)	33	%
Provision for loan losses	2,475			2,436			2,838			2,214			1,827			(17	)%	(26	)%	5,184			4,041			(22	)%
Policyholder benefits and claims	214			225			219			231			200			(13	)%	(7	)%	443			431			(3	)%
Provision for unfunded lending commitments	7			(41		)	56			14			(3		)	NM		NM		(31		)	11			NM
Total provisions for credit losses and for benefits and claims	2,696			2,620			3,113			2,459			2,024			(18	)%	(25	)%	5,596			4,483			(20	)%
Operating Expenses
Compensation and benefits	6,110			6,118			6,544			6,335			6,075			(4	)%	(1	)%	12,479			12,410			(1	)%
Premises and Equipment	803			842			828			844			762			(10	)%	(5	)%	1,597			1,606			1	%
Technology / communication expense	1,463			1,441			1,565			1,530			1,486			(3	)%	2	%	2,826			3,016			7	%
Advertising and marketing expense	576			591			515			449			480			7	%	(17	)%	1,065			929			(13	)%
Other operating	3,042			3,100			4,257			3,109			3,337			7	%	10	%	6,206			6,446			4	%
Total operating expenses	11,994			12,092			13,709			12,267			12,140			(1	)%	1	%	24,173			24,407			1	%
Income from Continuing Operations before Income Taxes	3,697			(1,009		)	1,095			5,501			6,315			15	%	71	%	7,739			11,816			53	%
Provision (benefits) for income taxes	718			(1,494		)	(214		)	1,570			2,127			35	%	NM		1,715			3,697			NM
Income from Continuing Operations	2,979			485			1,309			3,931			4,188			7	%	41	%	6,024			8,119			35	%
Discontinued Operations (3)
Income (Loss) from Discontinued Operations	5			(1		)	(136		)	(103		)	51							28			(52		)
Gain (Loss) on Sale	—			—			—			56			—							(1		)	56
Provision (benefits) for income taxes	(2		)	(9		)	(51		)	(14		)	21							8			7
Income (Loss) from Discontinued Operations, net of taxes	7			8			(85		)	(33		)	30			NM		NM		19			(3		)	NM
Net Income before Noncontrolling Interests	2,986			493			1,224			3,898			4,218			8	%	41	%	6,043			8,116			34	%
Net Income attributable to noncontrolling interests	40			25			28			90			36			(60	)%	(10	)%	166			126			(24	)%
Citigroup’s Net Income	$	2,946		$	468		$	1,196		$	3,808		$	4,182		10	%	42	%	$	5,877		$	7,990		36	%

(1)         ��                       First quarter of 2012 includes the recognition of a $1,181 million impairment charge related to the carrying value of Citi’s investment in Akbank T.A.S. Third quarter of 2012 includes the recognition of a $3,340 million impairment charge related to the carrying value of Citi’s remaining 35% investment in the Morgan Stanley Smith Barney joint venture (MSSB JV).

(2)Third quarter of 2012 also includes a non-cash charge of $1,344 million, representing a loss on Citi’s sale of the 14% interest in the MSSB JV to Morgan Stanley.

(3)Discontinued operations primarily reflect the following:

a)In the third quarter of 2012, Citi executed definitive agreements to transition a carve-out of its liquid strategies business within Citi Capital Advisors to certain employees responsible for managing those operations.

b)In the fourth quarter of 2012, residual amounts related to the Egg Credit Card business and Citi Capital Advisors.

c)In the first quarter of 2013, residual amounts related to Citi Capital Advisors and the Egg Credit Card business.

d)In the second quarter of 2013, Citi executed a definitive agreement to sell its Brazilian Credicard business. The second quarter of 2013 also includes residual amounts related to previous discontinued operations. All historical periods have been reclassified to reflect the Brazil Credicard business as discontinued operations.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

2

CITIGROUP CONSOLIDATED BALANCE SHEET (In millions of dollars)

																2Q13 Increase
	June 30,			September 30,			December 31,			March 31,			June 30,			(Decrease) from
	2012			2012			2012			2013			2013 (1)			1Q13		2Q12
Assets
Cash and due from banks (including segregated cash and other deposits)	$	33,927		$	33,802		$	36,453		$	31,150		$	31,145		—		(8	)%
Deposits with banks	155,054			170,028			102,134			143,227			158,028			10	%	2	%
Fed funds sold and securities borr’d or purch under agree. to resell	272,664			277,542			261,311			270,426			263,205			(3	)%	(3	)%
Brokerage receivables	35,340			31,077			22,490			25,235			33,484			33	%	(5	)%
Trading account assets	310,246			315,201			320,929			308,321			306,570			(1	)%	(1	)%
Investments
Available-for-sale and non-marketable equity securities	294,577			284,531			302,196			294,803			290,738			(1	)%	(1	)%
Held-to-maturity	11,349			10,943			10,130			10,056			9,602			(5	)%	(15	)%
Total Investments	305,926			295,474			312,326			304,859			300,340			(1	)%	(2	)%
Loans, net of unearned income
Consumer	409,127			407,752			408,671			395,176			382,152			(3	)%	(7	)%
Corporate	245,841			250,671			246,793			251,188			261,589			4	%	6	%
Loans, net of unearned income	654,968			658,423			655,464			646,364			643,741			—		(2	)%
Allowance for loan losses	(27,611		)	(25,916		)	(25,455		)	(23,727		)	(21,580		)	9	%	22	%
Total loans, net	627,357			632,507			630,009			622,637			622,161			—		(1	)%
Goodwill	25,483			25,915			25,673			25,474			24,958			(2	)%	(2	)%
Intangible assets (other than MSRs)	6,156			5,963			5,697			5,457			4,981			(9	)%	(19	)%
Mortgage servicing rights (MSRs)	2,117			1,920			1,942			2,203			2,524			15	%	19	%
Other assets	142,181			141,873			145,660			142,736			133,299			(7	)%	(6	)%
Assets related to discontinued operations held for sale	—			44			36			9			3,293			NM		—
Total assets	$	1,916,451		$	1,931,346		$	1,864,660		$	1,881,734		$	1,883,988		—		(2	)%
Liabilities
Non-interest-bearing deposits in U.S. offices	$	120,324		$	133,981		$	129,657		$	124,487		$	124,141		—		3	%
Interest-bearing deposits in U.S. offices	233,696			239,574			247,716			260,221			270,687			4	%	16	%
Total U.S. Deposits	354,020			373,555			377,373			384,708			394,828			3	%	12	%
Non-interest-bearing deposits in offices outside the U.S.	59,745			63,792			65,024			65,542			63,793			(3	)%	7	%
Interest-bearing deposits in offices outside the U.S.	500,543			507,297			488,163			483,512			479,806			(1	)%	(4	)%
Total International Deposits	560,288			571,089			553,187			549,054			543,599			(1	)%	(3	)%
Total deposits	914,308			944,644			930,560			933,762			938,427			—		3	%
Fed funds purch and securities loaned or sold under agree. to repurch.	214,851			224,370			211,236			222,053			218,252			(2	)%	2	%
Brokerage payables	59,133			55,376			57,013			59,299			61,705			4	%	4	%
Trading account liabilities	128,818			129,990			115,549			120,226			123,022			2	%	(4	)%
Short-term borrowings	58,698			49,164			52,027			48,193			58,807			22	%	—
Long-term debt	288,334			271,862			239,463			234,326			220,959			(6	)%	(23	)%
Other liabilities (2)	66,470			67,202			67,815			68,536			62,928			(8	)%	(5	)%
Liabilities related to discontinued operations held for sale	—			—			—			—			2,062			—		—
Total liabilities	$	1,730,612		$	1,742,608		$	1,673,663		$	1,686,395		$	1,686,162		—		(3	)%
Equity
Stockholders’ equity
Preferred stock	$	312		$	312		$	2,562		$	3,137		$	4,293		37	%	NM
Common stock	29			29			30			31			31			—		7	%
Additional paid-in capital	105,962			106,203			106,391			106,661			106,876			—		1	%
Retained earnings	96,216			96,650			97,809			101,580			105,725			4	%	10	%
Treasury stock	(859		)	(851		)	(847		)	(991		)	(1,075		)	(8	)%	(25	)%
Accumulated other comprehensive income (loss)	(17,749		)	(15,566		)	(16,896		)	(17,059		)	(19,924		)	(17	)%	(12	)%
Total common equity	$	183,599		$	186,465		$	186,487		$	190,222		$	191,633		1	%	4	%
Total Citigroup stockholders’ equity	$	183,911		$	186,777		$	189,049		$	193,359		$	195,926		1	%	7	%
Noncontrolling interests	1,928			1,961			1,948			1,980			1,900			(4	)%	(1	)%
Total equity	185,839			188,738			190,997			195,339			197,826			1	%	6	%
Total liabilities and equity	$	1,916,451		$	1,931,346		$	1,864,660		$	1,881,734		$	1,883,988		—		(2	)%

(1)Preliminary

(2)Includes allowance for credit losses for letters of credit and unfunded lending commitments.  See page 38 for amounts by period.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

3

CITIGROUP SEGMENT DETAIL NET REVENUE (In millions of dollars)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
CITICORP
Global Consumer Banking
North America	$	5,102		$	5,368		$	5,313		$	5,110		$	5,052		(1	)%	(1	)%	$	10,268		$	10,162		(1	)%
EMEA	358			374			384			368			364			(1	)%	2	%	727			732			1	%
Latin America	2,095			2,190			2,285			2,311			2,327			1	%	11	%	4,283			4,638			8	%
Asia	1,952			1,983			1,995			1,960			1,968			—		1	%	3,950			3,928			(1	)%
Total	9,507			9,915			9,977			9,749			9,711			—		2	%	19,228			19,460			1	%
Securities and Banking
North America	2,017			1,533			1,481			2,970			2,599			(12	)%	29	%	3,459			5,569			61	%
EMEA	1,612			1,517			1,349			1,873			2,166			16	%	34	%	3,571			4,039			13	%
Latin America	730			780			680			770			747			(3	)%	2	%	1,453			1,517			4	%
Asia	1,112			1,017			852			1,365			1,329			(3	)%	20	%	2,330			2,694			16	%
Total	5,471			4,847			4,362			6,978			6,841			(2	)%	25	%	10,813			13,819			28	%
Transaction Services
North America	663			619			633			626			667			7	%	1	%	1,302			1,293			(1	)%
EMEA	908			844			863			861			921			7	%	1	%	1,781			1,782			—
Latin America	446			442			440			447			467			4	%	5	%	888			914			3	%
Asia	750			714			681			672			677			1	%	(10	)%	1,501			1,349			(10	)%
Total	2,767			2,619			2,617			2,606			2,732			5	%	(1	)%	5,472			5,338			(2	)%
Corporate / Other	(296		)	1			(106		)	(7		)	103			NM		NM		175			96			(45	)%
Total Citicorp	17,449			17,382			16,850			19,326			19,387			—		11	%	35,688			38,713			8	%
CITI HOLDINGS
Brokerage and Asset Management	87			(4,804		)	64			(17		)	(20		)	(18	)%	NM		39			(37		)	NM
Local Consumer Lending	932			1,104			1,005			1,056			1,055			—		13	%	2,256			2,111			(6	)%
Special Asset Pool	(81		)	21			(2		)	(138		)	57			NM		NM		(475		)	(81		)	83	%
Total Citi Holdings	938			(3,679		)	1,067			901			1,092			21	%	16	%	1,820			1,993			10	%
Total Citigroup - Net Revenues	18,387			13,703			17,917			20,227			20,479			1	%	11	%	37,508			40,706			9	%
Credit valuation adjustment (CVA) on derivatives (counterparty and own-credit, excluding monolines), net of hedges; and debt valuation adjustments (DVA) on Citigroup’s fair value option debt (1)	219			(776		)	(485		)	(319		)	477			NM		NM		(1,069		)	158			NM
Total Citigroup - Net Revenues - Excluding CVA/DVA (2)	$	18,168		$	14,479		$	18,402		$	20,546		$	20,002		(3	)%	10	%	$	38,577		$	40,548		5	%

(1)   Included, as applicable, in Citicorp-Securities and Banking and Citi Holdings-Special Asset Pool lines above.

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

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

4

CITIGROUP
SEGMENT DETAIL
INCOME
(In millions of dollars)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Income from Continuing Operations:
CITICORP
Global Consumer Banking
North America	$	1,174		$	1,277		$	980		$	1,113		$	1,124		1	%	(4	)%	$	2,471		$	2,237		(9	)%
EMEA	13			6			(43		)	7			28			NM		NM		—			35			—
Latin America	335			374			384			380			371			(2	)%	11	%	710			751			6	%
Asia	449			450			396			417			432			4	%	(4	)%	950			849			(11	)%
Total	1,971			2,107			1,717			1,917			1,955			2	%	(1	)%	4,131			3,872			(6	)%
Securities and Banking
North America	549			292			222			1,152			849			(26	)%	55	%	736			2,001			NM
EMEA	365			348			133			445			787			77	%	NM		879			1,232			40	%
Latin America	309			352			264			312			350			12	%	13	%	633			662			5	%
Asia	252			193			78			446			396			(11	)%	57	%	563			842			50	%
Total	1,475			1,185			697			2,355			2,382			1	%	61	%	2,811			4,737			69	%
Transaction Services
North America	122			120			98			129			161			25	%	32	%	248			290			17	%
EMEA	317			268			299			223			229			3	%	(28	)%	617			452			(27	)%
Latin America	181			154			133			164			179			9	%	(1	)%	355			343			(3	)%
Asia	269			280			262			254			239			(6	)%	(11	)%	566			493			(13	)%
Total	889			822			792			770			808			5	%	(9	)%	1,786			1,578			(12	)%
Corporate / Other	(447		)	(76		)	(848		)	(322		)	(388		)	(20	)%	13	%	(778		)	(710		)	9	%
Total Citicorp	3,888			4,038			2,358			4,720			4,757			1	%	22	%	7,950			9,477			19	%
CITI HOLDINGS
Brokerage and Asset Management	(24		)	(3,018		)	(12		)	(79		)	(53		)	33	%	NM		(161		)	(132		)	18	%
Local Consumer Lending	(819		)	(692		)	(1,044		)	(293		)	(134		)	54	%	84	%	(1,452		)	(427		)	71	%
Special Asset Pool	(66		)	157			7			(417		)	(382		)	8	%	NM		(313		)	(799		)	NM
Total Citi Holdings	(909		)	(3,553		)	(1,049		)	(789		)	(569		)	28	%	37	%	(1,926		)	(1,358		)	29	%
Income From Continuing Operations	2,979			485			1,309			3,931			4,188			7	%	41	%	6,024			8,119			35	%
Discontinued Operations	7			8			(85		)	(33		)	30			NM		NM		19			(3		)	NM
Net Income Attributable to Noncontrolling Interests	40			25			28			90			36			(60	)%	(10	)%	166			126			(24	)%
Citigroup’s Net Income	$	2,946		$	468		$	1,196		$	3,808		$	4,182		10	%	42	%	$	5,877		$	7,990		36	%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

5

CITICORP (1) INCOME STATEMENT AND BALANCE SHEET DATA (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Revenues
Net interest revenue	$	10,748		$	11,031		$	11,281		$	10,877		$	10,898		—		1	%	$	21,755		$	21,775		—
Non-interest revenue	6,701			6,351			5,569			8,449			8,489			—		27	%	13,933			16,938			22	%
Total revenues, net of interest expense	17,449			17,382			16,850			19,326			19,387			—		11	%	35,688			38,713			8	%
Provisions for Credit Losses and for Benefits and Claims
Net credit losses	2,162			2,090			2,013			1,948			1,838			(6	)%	(15	)%	4,286			3,786			(12	)%
Credit reserve build / (release)	(766		)	(664		)	(193		)	(317		)	(301		)	5	%	61	%	(1,365		)	(618		)	55	%
Provision for loan losses	1,396			1,426			1,820			1,631			1,537			(6	)%	10	%	2,921			3,168			8	%
Provision for benefits & claims	49			65			64			63			46			(27	)%	(6	)%	107			109			2	%
Provision for unfunded lending commitments	26			(25		)	51			18			(10		)	NM		NM		14			8			(43	)%
Total provisions for credit losses and for benefits and claims	1,471			1,466			1,935			1,712			1,573			(8	)%	7	%	3,042			3,285			8	%
Total operating expenses	10,759			10,905			12,105			10,765			10,593			(2	)%	(2	)%	21,721			21,358			(2	)%
Income from Continuing Operations before Income Taxes	5,219			5,011			2,810			6,849			7,221			5	%	38	%	10,925			14,070			29	%
Provision for income taxes	1,331			973			452			2,129			2,464			16	%	85	%	2,975			4,593			54	%
Income from Continuing Operations	3,888			4,038			2,358			4,720			4,757			1	%	22	%	7,950			9,477			19	%
Income (loss) from Discontinued Operations, net of taxes	7			8			(85		)	(33		)	30			NM		NM		19			(3		)	NM
Noncontrolling interests	39			25			28			85			35			(59	)%	(10	)%	163			120			(26	)%
Citicorp’s Net Income	$	3,856		$	4,021		$	2,245		$	4,602		$	4,752		3	%	23	%	$	7,806		$	9,354		20	%
Balance Sheet Data (in billions of dollars):
Total EOP Assets	$	1,725		$	1,760		$	1,709		$	1,733		$	1,753		1	%	2	%
Average Assets	$	1,714		$	1,725		$	1,739		$	1,734		$	1,751		1	%	2	%	$	1,702		$	1,743		2	%
Return on Average Assets	0.91		%	0.93		%	0.51		%	1.08		%	1.09		%					0.92		%	1.08		%
Efficiency Ratio (Operating Expenses/Total Revenues, net)	62		%	63		%	72		%	56		%	55		%					61		%	55		%
Total EOP Loans	$	527		$	537		$	540		$	539		$	544		1	%	3	%
Total EOP Deposits	$	852		$	878		$	863		$	868		$	874		1	%	3	%

(1)Includes the results of operations and balances of Corporate/Other for all periods presented.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

6

CITICORP GLOBAL CONSUMER BANKING Page 1 (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Net Interest Revenue	$	7,010		$	7,204		$	7,308		$	7,171		$	7,072		(1	)%	1	%	$	14,174		$	14,243		—
Non-Interest Revenue	2,497			2,711			2,669			2,578			2,639			2	%	6	%	5,054			5,217			3	%
Total Revenues, Net of Interest Expense	9,507			9,915			9,977			9,749			9,711			—		2	%	19,228			19,460			1	%
Total Operating Expenses	5,183			5,271			5,782			5,209			5,131			(1	)%	(1	)%	10,263			10,340			1	%
Net Credit Losses	2,039			1,948			1,939			1,909			1,785			(6	)%	(12	)%	4,220			3,694			(12	)%
Credit Reserve Build / (Release)	(753		)	(515		)	(152		)	(340		)	(237		)	30	%	69	%	(1,509		)	(577		)	62	%
Provision for Unfunded Lending Commitments	—			1			—			15			9			(40	)%	—		(1		)	24			NM
Provision for Benefits & Claims	50			65			64			63			46			(27	)%	(8	)%	108			109			1	%
Provision for Loan Losses and for Benefits and Claims	1,336			1,499			1,851			1,647			1,603			(3	)%	20	%	2,818			3,250			15	%
Income from Continuing Operations before Taxes	2,988			3,145			2,344			2,893			2,977			3	%	—		6,147			5,870			(5	)%
Income Taxes	1,017			1,038			627			976			1,022			5	%	—		2,016			1,998			(1	)%
Income from Continuing Operations	1,971			2,107			1,717			1,917			1,955			2	%	—		4,131			3,872			(6	)%
Noncontrolling Interests	(1		)	3			—			5			6			20	%	NM		—			11			—
Net Income	$	1,972		$	2,104		$	1,717		$	1,912		$	1,949		2	%	(1	)%	$	4,131		$	3,861		(7	)%
Average Assets (in billions of dollars)	$	382		$	389		$	395		$	400		$	391		(2	)%	2	%	$	384		$	396		3	%
Return on Average Assets (1)	2.10		%	2.17		%	1.75		%	1.96		%	2.00		%					2.19		%	1.98		%
Efficiency Ratio	55		%	53		%	58		%	53		%	53		%					53		%	53		%
Net Credit Losses as a % of Average Loans (1)	2.94		%	2.74		%	2.69		%	2.69		%	2.53		%
Revenue by Business
Retail Banking	$	4,430		$	4,625		$	4,578		$	4,535		$	4,535		—		2	%	$	8,979		$	9,070		1	%
Cards (2)	5,077			5,290			5,399			5,214			5,176			(1	)%	2	%	10,249			10,390			1	%
Total	$	9,507		$	9,915		$	9,977		$	9,749		$	9,711		—		2	%	$	19,228		$	19,460		1	%
Net Credit Losses by Business
Retail Banking	$	276		$	325		$	375		$	338		$	299		(12	)%	8	%	$	558		$	637		14	%
Cards (2)	1,763			1,623			1,564			1,571			1,486			(5	)%	(16	)%	3,662			3,057			(17	)%
Total	$	2,039		$	1,948		$	1,939		$	1,909		$	1,785		(6	)%	(12	)%	$	4,220		$	3,694		(12	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	808		$	802		$	610		$	726		$	723		—		(11	)%	$	1,636		$	1,449		(11	)%
Cards (2)	1,163			1,305			1,107			1,191			1,232			3	%	6	%	2,495			2,423			(3	)%
Total	$	1,971		$	2,107		$	1,717		$	1,917		$	1,955		2	%	—		$	4,131		$	3,872		(6	)%
FX Translation Impact:
Total Revenue - as Reported	$	9,507		$	9,915		$	9,977		$	9,749		$	9,711		—		2	%	$	19,228		$	19,460		1	%
Impact of FX Translation (3)	36			(20		)	(53		)	(77		)	—							(4		)	—
Total Revenues - Ex-FX (4)	$	9,543		$	9,895		$	9,924		$	9,672		$	9,711		—		2	%	$	19,224		$	19,460		1	%
Total Operating Expenses - as Reported	$	5,183		$	5,271		$	5,782		$	5,209		$	5,131		(1	)%	(1	)%	$	10,263		$	10,340		1	%
Impact of FX Translation (3)	(8		)	(34		)	(54		)	(50		)	—							(58		)	—
Total Operating Expenses - Ex-FX (4)	$	5,175		$	5,237		$	5,728		$	5,159		$	5,131		(1	)%	(1	)%	$	10,205		$	10,340		1	%
Total Provisions for LLR & PBC - as Reported	$	1,336		$	1,499		$	1,851		$	1,647		$	1,603		(3	)%	20	%	$	2,818		$	3,250		15	%
Impact of FX Translation (3)	13			—			(9		)	(16		)	—							7			—
Total Provisions for LLR & PBC - Ex-FX (4)	$	1,349		$	1,499		$	1,842		$	1,631		$	1,603		(2	)%	19	%	$	2,825		$	3,250		15	%

(1)	Under U.S. GAAP, historival balance sheet information is not restated to reflect discontinued operations. Since the numerator portion of the ratio caclulation excludes the income statement items under U.S GAAP, related to the Brazil Credicard discontinued operations, the averages used in the ratio calculations have been adjusted to exclude the Brazil Credicard discontinued operations. See page 15 for the historically adjusted LATAM RCB amounts related to Brazil Credicard.
(2)	Includes both Citi-Branded Cards and Citi Retail Services.
(3)	Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2013 exchange rates for all periods presented.
(4)	Presentation of this metric excluding FX translation is a non-GAAP financial measure.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

7

CITICORP GLOBAL CONSUMER BANKING Page 2

																2Q13 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2012			2012			2012			2013			2013			1Q13		2Q12
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	4,082			4,069			4,008			3,916			3,912			—		(4	)%
Accounts (in millions)	65.2			65.2			65.0			64.8			64.9			—		0	%
Average Deposits	$	317.7		$	324.2		$	328.2		$	330.2		$	326.1		(1	)%	3	%
Investment Sales	$	19.5		$	23.5		$	23.1		$	28.0		$	27.7		(1	)%	42	%
Investment AUMs	$	139.6		$	149.9		$	153.6		$	162.8		$	156.6		(4	)%	12	%
Average Loans	$	138.5		$	141.1		$	144.6		$	147.0		$	145.0		(1	)%	5	%
EOP Loans:
Real Estate Lending	$	73.2		$	74.9		$	76.0		$	76.5		$	73.8		(4	)%	1	%
Commercial Markets	37.5			38.7			39.4			40.6			41.1			1	%	10	%
Personal and Other	28.3			29.6			30.4			30.9			30.3			(2	)%	7	%
EOP Loans	$	139.0		$	143.2		$	145.8		$	148.0		$	145.2		(2	)%	4	%
Net Interest Revenue (in millions) (1)	$	2,716		$	2,737		$	2,756		$	2,705		$	2,649		(2	)%	(2	)%
As a % of Average Loans	7.89		%	7.72		%	7.58		%	7.46		%	7.33		%
Net Credit Losses (in millions)	$	276		$	325		$	375		$	338		$	299		(12	)%	8	%
As a % of Average Loans	0.80		%	0.92		%	1.03		%	0.93		%	0.83		%
Loans 90+ Days Past Due (in millions) (2)	$	869		$	882		$	879		$	863		$	849		(2	)%	(2	)%
As a % of EOP Loans	0.63		%	0.62		%	0.61		%	0.59		%	0.59		%
Loans 30-89 Days Past Due (in millions) (2)	$	1,049		$	1,154		$	1,112		$	1,191		$	1,085		(9	)%	3	%
As a % of EOP Loans	0.76		%	0.81		%	0.77		%	0.81		%	0.75		%
Cards Key Indicators (in millions of dollars, except as otherwise noted) (3)
EOP Open Accounts	134.1			133.8			133.8			133.0			128.2			(4	)%	(4	)%
Purchase Sales (in billions)	$	88.3		$	87.7		$	94.8		$	83.9		$	91.2		9	%	3	%
Average Loans (in billions) (4)	$	144.1		$	144.5		$	145.2		$	143.8		$	137.5		(4	)%	(5	)%
EOP Loans (in billions) (4)	$	145.4		$	145.9		$	149.6		$	141.7		$	138.5		(2	)%	(5	)%
Average Yield (5)	13.61		%	13.64		%	13.64		%	13.75		%	13.62		%
Net Interest Revenue (6)	$	4,294		$	4,467		$	4,552		$	4,466		$	4,423		(1	)%	3	%
As a % of Average Loans (6)	12.27		%	12.58		%	12.75		%	12.88		%	12.90		%
Net Credit Losses	$	1,763		$	1,623		$	1,564		$	1,571		$	1,486		(5	)%	(16	)%
As a % of Average Loans	5.04		%	4.57		%	4.38		%	4.53		%	4.33		%
Net Credit Margin (7)	$	3,295		$	3,649		$	3,817		$	3,629		$	3,678		1	%	12	%
As a % of Average Loans (7)	9.41		%	10.27		%	10.69		%	10.47		%	10.73		%
Loans 90+ Days Past Due	$	2,221		$	2,142		$	2,202		$	2,078		$	1,795		(14	)%	(19	)%
As a % of EOP Loans	1.53		%	1.47		%	1.47		%	1.47		%	1.30		%
Loans 30-89 Days Past Due	$	2,400		$	2,385		$	2,397		$	2,198		$	1,882		(14	)%	(22	)%
As a % of EOP Loans	1.65		%	1.63		%	1.60		%	1.55		%	1.36		%

(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 Global Consumer Banking on page 10.

(3)Under U.S. GAAP, historical balance sheet information is not restated to reflect discontinued operations.  Since the numerator portion of the ratio caclulation excludes the income statement items under U.S GAAP, related to the Brazil Credicard discontinued operations, the averages used in the ratio calculations have been adjusted to exclude the Brazil Credicard discontinued operations. See page 15 for the historically adjusted LATAM RCB amounts related to Brazil Credicard.

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

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

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

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

Reclassified to conform to the current period’s presentation.

8

CITICORP GLOBAL CONSUMER BANKING NORTH AMERICA Page 1 (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Net Interest Revenue	$	4,002		$	4,149		$	4,216		$	4,152		$	4,065		(2	)%	2	%	$	8,096		$	8,217		1	%
Non-Interest Revenue	1,100			1,219			1,097			958			987			3	%	(10	)%	2,172			1,945			(10	)%
Total Revenues, Net of Interest Expense	5,102			5,368			5,313			5,110			5,052			(1	)%	(1	)%	10,268			10,162			(1	)%
Total Operating Expenses	2,452			2,464			2,675			2,429			2,384			(2	)%	(3	)%	4,792			4,813			—
Net Credit Losses	1,511			1,351			1,265			1,255			1,190			(5	)%	(21	)%	3,140			2,445			(22	)%
Credit Reserve Build / (Release)	(814		)	(519		)	(215		)	(370		)	(351		)	5	%	57	%	(1,655		)	(721		)	56	%
Provision for Unfunded Lending Commitments	—			1			—			—			—			—		—		—			—			—
Provision for Benefits & Claims	19			19			18			14			13			(7	)%	(32	)%	33			27			(18	)%
Provision for Loan Losses and for Benefits and Claims	716			852			1,068			899			852			(5	)%	19	%	1,518			1,751			15	%
Income from Continuing Operations before Taxes	1,934			2,052			1,570			1,782			1,816			2	%	(6	)%	3,958			3,598			(9	)%
Income Taxes (benefits)	760			775			590			669			692			3	%	(9	)%	1,487			1,361			(8	)%
Income from Continuing Operations	1,174			1,277			980			1,113			1,124			1	%	(4	)%	2,471			2,237			(9	)%
Noncontrolling Interests	—			1			—			—			1			—		—		—			1			—
Net Income	$	1,174		$	1,276		$	980		$	1,113		$	1,123		1	%	(4	)%	$	2,471		$	2,236		(10	)%
Average Assets (in billions of dollars)	$	171		$	174		$	175		$	176		$	172		(2	)%	1	%	$	170		$	174		2	%
Return on Average Assets	2.76		%	2.92		%	2.23		%	2.56		%	2.62		%					2.92		%	2.59		%
Efficiency Ratio	48		%	46		%	50		%	48		%	47		%					47		%	47		%
Net Credit Losses as a % of Average Loans	4.07		%	3.60		%	3.35		%	3.40		%	3.29		%
Revenue by Business
Retail Banking	$	1,650		$	1,740		$	1,667		$	1,573		$	1,591		1	%	(4	)%	$	3,279		$	3,164		(4	)%
Citi-Branded Cards	1,988			2,087			2,113			2,026			1,978			(2	)%	(1	)%	4,034			4,004			(1	)%
Citi Retail Services	1,464			1,541			1,533			1,511			1,483			(2	)%	1	%	2,955			2,994			1	%
Total	$	5,102		$	5,368		$	5,313		$	5,110		$	5,052		(1	)%	(1	)%	$	10,268		$	10,162		(1	)%
Net Credit Losses by Business
Retail Banking	$	62		$	72		$	51		$	55		$	44		(20	)%	(29	)%	$	124		$	99		(20	)%
Citi-Branded Cards	840			745			700			692			665			(4	)%	(21	)%	1,742			1,357			(22	)%
Citi Retail Services	609			534			514			508			481			(5	)%	(21	)%	1,274			989			(22	)%
Total	$	1,511		$	1,351		$	1,265		$	1,255		$	1,190		(5	)%	(21	)%	$	3,140		$	2,445		(22	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	337		$	342		$	231		$	229		$	274		20	%	(19	)%	$	671		$	503		(25	)%
Citi-Branded Cards	413			555			460			448			457			2	%	11	%	1,005			905			(10	)%
Citi Retail Services	424			380			289			436			393			(10	)%	(7	)%	795			829			4	%
Total	$	1,174		$	1,277		$	980		$	1,113		$	1,124		1	%	(4	)%	$	2,471		$	2,237		(9	)%

Reclassified to conform to the current period’s presentation.

9

CITICORP GLOBAL CONSUMER BANKING NORTH AMERICA Page 2

																2Q13 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2012			2012			2012			2013			2013			1Q13		2Q12
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	1,015			1,017			999			981			983			—		(3	)%
Accounts (in millions)	12.5			12.4			12.4			12.2			12.0			(2	)%	(4	)%
Investment Sales	$	2.4		$	2.8		$	2.9		$	4.0		$	3.9		(3	)%	63	%
Investment AUMs	$	28.9		$	29.9		$	29.9		$	31.6		$	31.4		(1	)%	9	%
Average Deposits	$	151.6		$	154.4		$	160.0		$	163.8		$	165.1		1	%	9	%
Average Loans	$	41.1		$	41.3		$	42.2		$	43.2		$	41.0		(5	)%	—
EOP Loans:
Real Estate Lending	$	32.6		$	33.0		$	33.7		$	33.9		$	32.2		(5	)%	(1	)%
Commercial Markets	7.2			7.4			7.9			8.2			8.4			2	%	17	%
Personal and Other	1.1			1.1			1.1			1.0			1.1			10	%	—
Total EOP Loans	$	40.9		$	41.5		$	42.7		$	43.1		$	41.7		(3	)%	2	%
Mortgage Originations	$	12.9		$	14.5		$	16.8		$	18.0		$	17.2		(4	)%	33	%
Third Party Mortgage Servicing Portfolio (EOP)	$	190.8		$	184.9		$	177.2		$	175.8		$	177.9		1	%	(7	)%
Net Servicing & Gain/(Loss) on Sale (in millions)	$	637.0		$	684.2		$	614.5		$	561.6		$	588.5		5	%	(8	)%
Saleable Mortgage Rate Locks	$	11.5		$	15.8		$	12.7		$	14.3		$	13.0		(9	)%	13	%
Net Interest Revenue on Loans (in millions)	$	197		$	210		$	239		$	243		$	242		—		23	%
As a % of Avg. Loans	1.93		%	2.02		%	2.25		%	2.28		%	2.37		%
Net Credit Losses (in millions)	$	62		$	72		$	51		$	55		$	44		(20	)%	(29	)%
As a % of Avg. Loans	0.61		%	0.69		%	0.48		%	0.52		%	0.43		%
Loans 90+ Days Past Due (in millions) (1)	$	294		$	291		$	280		$	282		$	285		1	%	(3	)%
As a % of EOP Loans	0.74		%	0.72		%	0.68		%	0.68		%	0.71		%
Loans 30-89 Days Past Due (in millions) (1)	$	215		$	230		$	223		$	226		$	217		(4	)%	1	%
As a % of EOP Loans	0.54		%	0.57		%	0.54		%	0.54		%	0.54		%

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

The amounts excluded for Loans 90+Days Past Due and (EOP Loans) were, $748 mlllion and ($1.2 billion), $738 mlllion and ($1.2 billion), $742 mlllion and ($1.4 billion) and $736 mlllion and ($1.5 billion) and $728 mlllion and ($1.3 billion) as of June 30, 2012, September 30, 2012, December 31, 2012, March 31, 2013 and June 30, 2013, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) were, $124 million and ($1.2 billion), $122 million and ($1.2 billion), $122 million and ($1.4 billion), $121 million and ($1.5 billion) and $144 million and ($1.3 billion) as of June 30, 2012, September 30, 2012, December 31, 2012, March 31, 2013 and June 30, 2013, respectively.

Reclassified to conform to the current period’s presentation.

10

CITICORP GLOBAL CONSUMER BANKING NORTH AMERICA Page 3

																2Q13 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2012			2012			2012			2013			2013			1Q13		2Q12
Citi-Branded Cards Key Indicators (in millions of dollars, except as otherwise noted) (1)
EOP Open Accounts	22.9			23.1			23.2			23.4			23.6			1	%	3	%
Purchase Sales (in billions)	$	40.8		$	40.3		$	41.6		$	38.2		$	41.9		10	%	3	%
Average Loans (in billions) (1)	$	71.7		$	71.5		$	71.1		$	69.7		$	68.4		(2	)%	(5	)%
EOP Loans (in billions) (1)	$	72.7		$	72.2		$	72.9		$	69.2		$	69.3		—		(5	)%
Average Yield (2)	9.96		%	9.94		%	10.02		%	10.23		%	10.11		%
Net Interest Revenue (3)	$	1,609		$	1,664		$	1,687		$	1,649		$	1,645		—		2	%
As a % of Avg. Loans (3)	9.03		%	9.26		%	9.44		%	9.59		%	9.65		%
Net Credit Losses	$	840		$	745		$	700		$	692		$	665		(4	)%	(21	)%
As a % of Average Loans	4.71		%	4.15		%	3.92		%	4.03		%	3.90		%
Net Credit Margin (4)	$	1,142		$	1,334		$	1,405		$	1,329		$	1,310		(1	)%	15	%
As a % of Avg. Loans (4)	6.41		%	7.42		%	7.86		%	7.73		%	7.68		%
Loans 90+ Days Past Due	$	830		$	760		$	786		$	732		$	663		(9	)%	(20	)%
As a % of EOP Loans	1.14		%	1.05		%	1.08		%	1.06		%	0.96		%
Loans 30-89 Days Past Due	$	744		$	744		$	771		$	679		$	588		(13	)%	(21	)%
As a % of EOP Loans	1.02		%	1.03		%	1.06		%	0.98		%	0.85		%
Citi Retail Services Key Indicators (in millions of dollars, except as otherwise noted) (1)
EOP Open Accounts	79.9			79.3			78.9			77.8			76.1			(2	)%	(5	)%
Purchase Sales (in billions)	$	18.1		$	17.5		$	20.4		$	15.3		$	18.3		20	%	1	%
Average Loans (in billions) (1)	$	36.5		$	36.5		$	37.0		$	36.7		$	35.8		(2	)%	(2	)%
EOP Loans (in billions) (1)	$	36.6		$	36.6		$	38.6		$	35.4		$	36.0		2	%	(2	)%
Average Yield (2)	18.14		%	18.26		%	18.04		%	18.28		%	17.89		%
Net Interest Revenue (3)	$	1,543		$	1,634		$	1,660		$	1,652		$	1,587		(4	)%	3	%
As a % of Avg. Loans (3)	17.00		%	17.81		%	17.85		%	18.26		%	17.78		%
Net Credit Losses	$	609		$	534		$	514		$	508		$	481		(5	)%	(21	)%
As a % of Average Loans	6.71		%	5.82		%	5.53		%	5.61		%	5.39		%
Net Credit Margin (4)	$	842		$	997		$	1,009		$	994		$	993		—		18	%
As a % of Avg. Loans (4)	9.28		%	10.87		%	10.85		%	10.98		%	11.13		%
Loans 90+ Days Past Due	$	721		$	716		$	721		$	651		$	556		(15	)%	(23	)%
As a % of EOP Loans	1.97		%	1.96		%	1.87		%	1.84		%	1.54		%
Loans 30-89 Days Past Due	$	852		$	823		$	789		$	685		$	615		(10	)%	(28	)%
As a % of EOP Loans	2.33		%	2.25		%	2.04		%	1.94		%	1.71		%

(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.

Reclassified to conform to the current period’s presentation.

11

CITICORP GLOBAL CONSUMER BANKING EMEA - PAGE 1 (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Net Interest Revenue	$	248		$	251		$	258		$	246		$	237		(4	)%	(4	)%	$	501		$	483		(4	)%
Non-Interest Revenue	110			123			126			122			127			4	%	15	%	226			249			10	%
Total Revenues, Net of Interest Expense	358			374			384			368			364			(1	)%	2	%	727			732			1	%
Total Operating Expenses	337			335			402			344			333			(3	)%	(1	)%	696			677			(3	)%
Net Credit Losses	14			29			33			29			(1		)	NM		NM		43			28			(35	)%
Credit Reserve Build / (Release)	(13		)	2			11			(11		)	(9		)	18	%	31	%	(18		)	(20		)	(11	)%
Provision for Unfunded Lending Commitments	—			—			—			1			(1		)	NM		—		(1		)	—			100	%
Provision for Benefits & Claims	—			—			—			—			—			—		—		—			—			—
Provision for Loan Losses and for Benefits and Claims (LLR & PBC)	1			31			44			19			(11		)	NM		NM		24			8			(67	)%
Income (loss) from Continuing Operations before Taxes	20			8			(62		)	5			42			NM		NM		7			47			NM
Income Taxes (benefits)	7			2			(19		)	(2		)	14			NM		100	%	7			12			71	%
Income from Continuing Operations	13			6			(43		)	7			28			NM		NM		—			35			—
Noncontrolling Interests	1			2			—			3			5			67	%	NM		2			8			NM
Net Income	$	12		$	4		$	(43	)	$	4	��	$	23		NM		92	%	$	(2	)	$	27		NM
Average Assets (in billions of dollars)	$	9		$	9		$	9		$	10		$	10		—		11	%	$	9		$	10		11	%
Return on Average Assets	0.54		%	0.18		%	(1.90		)%	0.16		%	0.92		%					(0.04		)%	0.54		%
Efficiency Ratio	94		%	90		%	105		%	93		%	91		%					96		%	92		%
Net Credit Losses as a % of Average Loans	0.75		%	1.54		%	1.66		%	1.47		%	(0.05		)%
Revenue by Business
Retail Banking	$	210		$	220		$	227		$	215		$	214		—		2	%	$	426		$	429		1	%
Citi-Branded Cards	148			154			157			153			150			(2	)%	1	%	301			303			1	%
Total	$	358		$	374		$	384		$	368		$	364		(1	)%	2	%	$	727		$	732		1	%
Net Credit Losses by Business
Retail Banking	$	7		$	12		$	15		$	9		$	(2	)	NM		NM		$	19		$	7		(63	)%
Citi-Branded Cards	7			17			18			20			1			(95	)%	(86	)%	24			21			(13	)%
Total	$	14		$	29		$	33		$	29		$	(1	)	NM		NM		$	43		$	28		(35	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	(9	)	$	(14	)	$	(43	)	$	(8	)	$	—		100	%	100	%	$	(35	)	$	(8	)	77	%
Citi-Branded Cards	22			20			—			15			28			87	%	27	%	35			43			23	%
Total	$	13		$	6		$	(43	)	$	7		$	28		NM		NM		$	—		$	35		—
FX Translation Impact:
Total Revenue - as Reported	$	358		$	374		$	384		$	368		$	364		(1	)%	2	%	$	727		$	732		1	%
Impact of FX Translation (1)	(1		)	(3		)	(10		)	(7		)	—							(9		)	—
Total Revenues - Ex-FX (2)	$	357		$	371		$	374		$	361		$	364		1	%	2	%	$	718		$	732		2	%
Total Operating Expenses - as Reported	$	337		$	335		$	402		$	344		$	333		(3	)%	(1	)%	$	696		$	677		(3	)%
Impact of FX Translation (1)	(1		)	(4		)	(11		)	(7		)	—							(10		)	—
Total Operating Expenses - Ex-FX (2)	$	336		$	331		$	391		$	337		$	333		(1	)%	(1	)%	$	686		$	677		(1	)%
Provisions for LLR & PBC - as Reported	$	1		$	31		$	44		$	19		$	(11	)	NM		NM		$	24		$	8		(67	)%
Impact of FX Translation (1)	1			—			(2		)	—			—							—			—
Provisions for LLR & PBC - Ex-FX (2)	$	2		$	31		$	42		$	19		$	(11	)	NM		NM		$	24		$	8		(67	)%

(1)Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2013 exchange rates for all periods presented.

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

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

12

CITICORP GLOBAL CONSUMER BANKING EMEA - PAGE 2

																2Q13 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2012			2012			2012			2013			2013			1Q13		2Q12
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	240			234			228			222			222			—		(8	)%
Accounts (in millions)	4.0			3.9			3.9			3.9			3.8			(3	)%	(5	)%
Average Deposits	$	12.4		$	12.7		$	12.7		$	13.0		$	13.0		—		5	%
Investment Sales	$	0.8		$	1.1		$	1.3		$	1.1		$	1.0		(9	)%	25	%
Investment AUMs	$	5.0		$	5.4		$	5.8		$	6.0		$	6.2		3	%	24	%
Average Loans	$	4.7		$	4.7		$	5.0		$	5.1		$	5.3		4	%	13	%
EOP Loans:
Real Estate Lending	$	0.2		$	0.3		$	0.3		$	0.3		$	0.3		—		50	%
Commercial Markets	1.9			2.1			2.1			2.2			2.3			5	%	21	%
Personal and Other	2.5			2.5			2.7			2.7			2.7			—		8	%
Total EOP Loans	$	4.6		$	4.9		$	5.1		$	5.2		$	5.3		2	%	15	%
Net Interest Revenue (in millions) (1)	$	138		$	140		$	142		$	135		$	130		(4	)%	(6	)%
As a % of Average Loans (1)	11.81		%	11.85		%	11.30		%	10.74		%	9.84		%
Net Credit Losses (in millions)	$	7		$	12		$	15		$	9		$	(2	)	NM		NM
As a % of Average Loans	0.60		%	1.02		%	1.19		%	0.72		%	(0.15		)%
Loans 90+ Days Past Due (in millions)	$	49		$	50		$	48		$	43		$	41		(5	)%	(16	)%
As a % of EOP Loans	1.07		%	1.02		%	0.94		%	0.83		%	0.77		%
Loans 30-89 Days Past Due (in millions)	$	78		$	79		$	77		$	70		$	68		(3	)%	(13	)%
As a % of EOP Loans	1.70		%	1.61		%	1.51		%	1.35		%	1.28		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)	2.6			2.5			2.8			2.8			2.8			—		8	%
Purchase Sales (in billions)	$	2.8		$	2.8		$	3.1		$	2.9		$	3.0		3	%	7	%
Average Loans (2)	$	2.8		$	2.8		$	2.9		$	2.9		$	2.8		(3	)%	—
EOP Loans (2)	$	2.8		$	2.9		$	2.9		$	2.8		$	2.8		—		—
Average Yield (3)	19.17		%	19.24		%	19.10		%	18.87		%	18.42		%
Net Interest Revenue (in millions) (4)	$	110		$	111		$	116		$	111		$	107		(4	)%	(3	)%
As a % of Avg. Loans (4)	15.80		%	15.77		%	15.91		%	15.52		%	15.33		%
Net Credit Losses (in millions)	$	7		$	17		$	18		$	20		$	1		(95	)%	(86	)%
As a % of Average Loans	1.01		%	2.42		%	2.47		%	2.80		%	0.14		%
Net Credit Margin (in millions) (5)	$	141		$	137		$	139		$	133		$	149		12	%	6	%
As a % of Avg. Loans (5)	20.25		%	19.47		%	19.07		%	18.60		%	21.34		%
Loans 90+ Days Past Due (in millions)	$	43		$	45		$	48		$	45		$	44		(2	)%	2	%
As a % of EOP Loans	1.54		%	1.55		%	1.66		%	1.61		%	1.57		%
Loans 30-89 Days Past Due (in millions)	$	61		$	68		$	63		$	60		$	57		(5	)%	(7	)%
As a % of EOP Loans	2.18		%	2.34		%	2.17		%	2.14		%	2.04		%

(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.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

13

CITICORP GLOBAL CONSUMER BANKING LATIN AMERICA - PAGE 1 (In millions of dollars, except as otherwise noted)

																	2Q13 Increase				Six			Six			YTD 2013 vs.
		2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
		2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Net Interest Revenue		$	1,474		$	1,532		$	1,566		$	1,546		$	1,580		2	%	7	%	$	2,963		$	3,126		6	%
Non-Interest Revenue		621			658			719			765			747			(2	)%	20	%	1,320			1,512			—
Total Revenues, Net of Interest Expense		2,095			2,190			2,285			2,311			2,327			1	%	11	%	4,283			4,638			8	%
Total Operating Expenses		1,230			1,266			1,459			1,308			1,307			—		6	%	2,461			2,615			6	%
Net Credit Losses		315			351			406			419			416			(1	)%	32	%	648			835			29	%
Credit Reserve Build / (Release)		95			36			32			38			104			NM		9	%	186			142			(24	)%
Provision for Unfunded Lending Commitments		—			—			—			—			—			—		—		—			—			—
Provision for Benefits & Claims		31			46			46			49			33			(33	)%	6	%	75			82			9	%
Provision for Loan Losses and for Benefits and Claims (LLR & PBC)		441			433			484			506			553			9	%	25	%	909			1,059			17	%
Income from Continuing Operations before Taxes		424			491			342			497			467			(6	)%	10	%	913			964			6	%
Income Taxes		89			117			(42		)	117			96			(18	)%	8	%	203			213			5	%
Income from Continuing Operations		335			374			384			380			371			(2	)%	11	%	710			751			6	%
Noncontrolling Interests		(2		)	—			—			2			—			(100	)%	100	%	(2		)	2			NM
Net Income		$	337		$	374		$	384		$	378		$	371		(2	)%	10	%	$	712		$	749		5	%
Average Assets (in billions of dollars)		$	78		$	79		$	82		$	86		$	80		(7	)%	3	%	$	80		$	83		4	%
Return on Average Assets (1)		1.83		%	1.98		%	1.95		%	1.86		%	1.86		%					1.88		%	1.86		%
Efficiency Ratio		59		%	58		%	64		%	57		%	56		%					57		%	56		%
Net Credit Losses as a % of Average Loans (1)		3.57		%	3.74		%	4.16		%	4.15		%	4.03		%
Revenue by Business
Retail Banking		$	1,405		$	1,469		$	1,509		$	1,547		$	1,538		(1	)%	9	%	$	2,879		$	3,085		7	%
Citi-Branded Cards		690			721			776			764			789			3	%	14	%	1,404			1,553			11	%
Total		$	2,095		$	2,190		$	2,285		$	2,311		$	2,327		1	%	11	%	$	4,283		$	4,638		8	%
Net Credit Losses by Business
Retail Banking		$	135		$	160		$	210		$	207		$	204		(1	)%	51	%	$	278		$	411		48	%
Citi-Branded Cards		180			191			196			212			212			—		18	%	370			424			15	%
Total		$	315		$	351		$	406		$	419		$	416		(1	)%	32	%	$	648		$	835		29	%
Income (loss) from Continuing Operations by Business
Retail Banking		$	238		$	222		$	233		$	248		$	211		(15	)%	(11	)%	$	454		$	459		1	%
Citi-Branded Cards		97			152			151			132			160			21	%	65	%	256			292			14	%
Total		$	335		$	374		$	384		$	380		$	371		(2	)%	11	%	$	710		$	751		6	%
FX Translation Impact:
Total Revenue - as Reported		$	2,095		$	2,190		$	2,285		$	2,311		$	2,327		1	%	11	%	$	4,283		$	4,638		8	%
Impact of FX Translation (2)		68			32			22			(27		)	—							60			—
Total Revenues - Ex-FX (3)	��	$	2,163		$	2,222		$	2,307		$	2,284		$	2,327		2	%	8	%	$	4,343		$	4,638		7	%
Total Operating Expenses - as Reported		$	1,230		$	1,266		$	1,459		$	1,308		$	1,307		—		6	%	$	2,461		$	2,615		6	%
Impact of FX Translation (2)		25			12			5			(18		)	—							8			—
Total Operating Expenses - Ex-FX (3)		$	1,255		$	1,278		$	1,464		$	1,290		$	1,307		1	%	4	%	$	2,469		$	2,615		6	%
Provisions for LLR & PBC - as Reported		$	441		$	433		$	484		$	506		$	553		9	%	25	%	$	909		$	1,059		17	%
Impact of FX Translation (2)		12			6			4			(7		)	—							5			—
Provisions for LLR & PBC - Ex-FX (3)		$	453		$	439		$	488		$	499		$	553		11	%	22	%	$	914		$	1,059		16	%

(1)Under U.S. GAAP, historical balance sheet information is not restated to reflect discontinued operations.  Since the numerator portion of the ratio caclulation excludes the income statement items under U.S GAAP, related to the Brazil Credicard discontinued operations, the averages used in the ratio calculations have been adjusted to exclude the Brazil Credicard discontinued operations. See page 15 for the historically adjusted LATAM RCB amounts related to Brazil Credicard.

(2)Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2013 exchange rates for all periods presented.

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

14

CITICORP GLOBAL CONSUMER BANKING LATIN AMERICA - PAGE 2

																2Q13 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2012			2012			2012			2013			2013			1Q13		2Q12
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	2,200			2,200			2,181			2,139			2,136			0	%	(3	)%
Accounts (in millions)	31.9			32.1			31.8			31.8			32.2			1	%	1	%
Average Deposits	$	44.0		$	44.6		$	45.4		$	46.4		$	45.7		(2	)%	4	%
Investment Sales	$	9.3		$	10.4		$	9.9		$	10.9		$	11.5		6	%	24	%
Investment AUMs	$	58.3		$	64.8		$	65.9		$	70.9		$	67.6		(5	)%	16	%
Average Loans	$	25.2		$	26.6		$	27.7		$	29.4		$	29.9		2	%	19	%
EOP Loans:
Real Estate Lending	$	4.9		$	5.3		$	5.4		$	5.9		$	5.7		(3	)%	16	%
Commercial Markets	11.6			12.3			12.8			13.5			13.3			(1	)%	15	%
Personal and Other	9.4			9.9			10.1			10.9			10.7			(2	)%	14	%
Total EOP Loans	$	25.9		$	27.5		$	28.3		$	30.3		$	29.7		(2	)%	15	%
Net Interest Revenue (in millions) (1)	$	943		$	975		$	990		$	990		$	978		(1	)%	4	%
As a % of Average Loans (1)	15.05		%	14.58		%	14.22		%	13.66		%	13.12		%
Net Credit Losses (in millions)	$	135		$	160		$	210		$	207		$	204		(1	)%	51	%
As a % of Average Loans	2.15		%	2.39		%	3.02		%	2.86		%	2.74		%
Loans 90+ Days Past Due (in millions)	$	285		$	322		$	323		$	309		$	318		3	%	12	%
As a % of EOP Loans	1.10		%	1.17		%	1.14		%	1.02		%	1.07		%
Loans 30-89 Days Past Due (in millions)	$	316		$	412		$	353		$	427		$	368		(14	)%	16	%
As a % of EOP Loans	1.22		%	1.50		%	1.25		%	1.41		%	1.24		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted) (2)
EOP Open Accounts (in millions)	13.0			13.0			12.9			12.9			9.3			(28	)%	(28	)%
Purchase Sales (in billions)	$	7.8		$	8.0		$	9.0		$	8.2		$	8.6		5	%	10	%
Average Loans (in billions) (3)	$	13.6		$	13.9		$	14.3		$	14.7		$	11.5		(22	)%	(15	)%
EOP Loans (in billions) (3)	$	13.7		$	14.2		$	14.8		$	14.9		$	11.5		(23	)%	(16	)%
Average Yield (4)	22.34		%	22.57		%	22.12		%	21.23		%	21.85		%
Net Interest Revenue (in millions) (5)	$	531		$	557		$	576		$	556		$	602		8	%	13	%
As a % of Average Loans (5)	20.73		%	20.71		%	20.64		%	19.61		%	21.00		%
Net Credit Losses (in millions)	$	180		$	191		$	196		$	212		$	212		—		18	%
As a % of Average Loans	7.03		%	7.10		%	7.02		%	7.48		%	7.39		%
Net Credit Margin (in millions) (6)	$	510		$	530		$	580		$	552		$	577		5	%	13	%
As a % of Average Loans (6)	19.91		%	19.71		%	20.79		%	19.47		%	20.12		%
Loans 90+ Days Past Due (in millions)	$	405		$	401		$	413		$	418		$	323		(23	)%	(20	)%
As a % of EOP Loans	2.96		%	2.82		%	2.79		%	2.81		%	2.81		%
Loans 30-89 Days Past Due (in millions)	$	428		$	416		$	432		$	449		$	335		(25	)%	(22	)%
As a % of EOP Loans	3.12		%	2.93		%	2.92		%	3.01		%	2.91		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted) (2) Additional Historically Adjusted impact from the announced sale of Brazil Credicard
EOP Open Accounts (in millions) - As Disclosed	13.0			13.0			12.9			12.9			9.3			(28	)%	(28	)%
Impact of Announced Brazil Credicard Sale	(4.0		)	(3.9		)	(3.8		)	(3.9		)	—
EOP Open Accounts - Historically Adjusted	9.0			9.1			9.1			9.0			9.3			(3	)%	(3	)%
Average Loans - As Disclosed	$	13.6		$	13.9		$	14.3		$	14.7		$	11.5		(22	)%	(15	)%
Impact of Announced Brazil Credicard Sale	(3.3		)	(3.2		)	(3.2		)	(3.2		)	—
Average Loans - Historically Adjusted	$	10.3		$	10.7		$	11.1		$	11.5		$	11.5		—		12	%
EOP Loans - As Disclosed	$	13.7		$	14.2		$	14.8		$	14.9		$	11.5		(23	)%	(16	)%
Impact of Announced Brazil Credicard Sale	(3.2		)	(3.2		)	(3.4		)	(3.1		)	—
EOP Loans - Historically Adjusted	$	10.5		$	11.0		$	11.4		$	11.8		$	11.5		(3	)%	10	%
Loans 90+ Days Past Due (in millions) - as disclosed	$	405		$	401		$	413		$	418		$	323		(23	)%	(20	)%
Impact of Announced Brazil Credicard Sale	(126		)	(122		)	(111		)	(102		)	—
Loans 90+ Days Past Due - Historically Adjusted	$	279		$	279		$	302		$	316		$	323		2	%	16	%
As a % of Historically Adjusted EOP Loans	2.66		%	2.54		%	2.65		%	2.68		%	2.81		%
Loans 30-89 Days Past Due (in millions) - as disclosed	$	428		$	416		$	432		$	449		$	335		(25	)%	(22	)%
Impact of Announced Brazil Credicard Sale	(131		)	(116		)	(113		)	(126		)	—
Loans 30-89 Days Past Due - Historically Adjusted	$	297		$	300		$	319		$	323		$	335		4	%	13	%
As a % of Historically Adjusted EOP Loans	2.83		%	2.73		%	2.80		%	2.74		%	2.91		%
Average Assets - As Disclosed on prior page	$	78.0		$	79.0		$	82.0		$	86.0		$	80.0		(7	)%	3	%
Impact of Announced Brazil Credicard Sale	(3.9		)	(3.8		)	(3.8		)	(3.8		)	—
Average Assets - Historically Adjusted	$	74.1		$	75.2		$	78.2		$	82.2		$	80.0		(3	)%	8	%

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

(2)Under U.S. GAAP, historical balance sheet information is not restated to reflect discontinued operations.  Since the numerator portion of the ratio caclulation excludes the income statement items under U.S GAAP, related to the Brazil Credicard discontinued operations, the averages used in the ratio calculations have been adjusted to exclude the Brazil Credicard discontinued operations. See below for the historically adjusted impact of the announced Brazil Credicard sale.  June 30, 2013 balances already exclude Brazil Credicard amounts.

(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.

15

CITICORP GLOBAL CONSUMER BANKING ASIA - PAGE 1 (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Net Interest Revenue	$	1,286		$	1,272		$	1,268		$	1,227		$	1,190		(3	)%	(7	)%	$	2,614		$	2,417		(8	)%
Non-Interest Revenue	666			711			727			733			778			6	%	17	%	1,336			1,511			13	%
Total Revenues, Net of Interest Expense	1,952			1,983			1,995			1,960			1,968			—		1	%	3,950			3,928			(1	)%
Total Operating Expenses	1,164			1,206			1,246			1,128			1,107			(2	)%	(5	)%	2,314			2,235			(3	)%
Net Credit Losses	199			217			235			206			180			(13	)%	(10	)%	389			386			(1	)%
Credit Reserve Build / (Release)	(21		)	(34		)	20			3			19			NM		NM		(22		)	22			NM
Provision for Unfunded Lending Commitments	—			—			—			14			10			(29	)%	—		—			24			—
Provision for Benefits & Claims	—			—			—			—			—			—		—		—			—			—
Provision for Loan Losses and for Benefits and Claims (LLR & PBC)	178			183			255			223			209			(6	)%	17	%	367			432			18	%
Income from Continuing Operations before Taxes	610			594			494			609			652			7	%	7	%	1,269			1,261			(1	)%
Income Taxes	161			144			98			192			220			15	%	37	%	319			412			29	%
Income from Continuing Operations	449			450			396			417			432			4	%	(4	)%	950			849			(11	)%
Noncontrolling Interests	—			—			—			—			—			—		—		—			—			—
Net Income	$	449		$	450		$	396		$	417		$	432		4	%	(4	)%	$	950		$	849		(11	)%
Average Assets (in billions of dollars)	$	124		$	127		$	129		$	128		$	129		1	%	4	%	$	125		$	129		3	%
Return on Average Assets	1.46		%	1.41		%	1.22		%	1.32		%	1.34		%					1.53		%	1.33		%
Efficiency Ratio	60		%	61		%	62		%	58		%	56		%					59		%	57		%
Net Credit Losses as a % of Average Loans	0.92		%	0.98		%	1.04		%	0.94		%	0.82		%
Revenue by Business
Retail Banking	$	1,165		$	1,196		$	1,175		$	1,200		$	1,192		(1	)%	2	%	$	2,395		$	2,392		—
Citi-Branded Cards	787			787			820			760			776			2	%	(1	)%	1,555			1,536			(1	)%
Total	$	1,952		$	1,983		$	1,995		$	1,960		$	1,968		—		1	%	$	3,950		$	3,928		(1	)%
Net Credit Losses by Business
Retail Banking	$	72		$	81		$	99		$	67		$	53		(21	)%	(26	)%	$	137		$	120		(12	)%
Citi-Branded Cards	127			136			136			139			127			(9	)%	—		252			266			6	%
Total	$	199		$	217		$	235		$	206		$	180		(13	)%	(10	)%	$	389		$	386		(1	)%
Income from Continuing Operations by Business
Retail Banking	$	242		$	252		$	189		$	257		$	238		(7	)%	(2	)%	$	546		$	495		(9	)%
Citi-Branded Cards	207			198			207			160			194			21	%	(6	)%	404			354			(12	)%
Total	$	449		$	450		$	396		$	417		$	432		4	%	(4	)%	$	950		$	849		(11	)%
FX Translation Impact:
Total Revenue - as Reported	$	1,952		$	1,983		$	1,995		$	1,960		$	1,968		—		1	%	$	3,950		$	3,928		(1	)%
Impact of FX Translation (1)	(31		)	(49		)	(65		)	(43		)	—							(55		)	—
Total Revenues - Ex-FX (2)	$	1,921		$	1,934		$	1,930		$	1,917		$	1,968		3	%	2	%	$	3,895		$	3,928		1	%
Total Operating Expenses - as Reported	$	1,164		$	1,206		$	1,246		$	1,128		$	1,107		(2	)%	(5	)%	$	2,314		$	2,235		(3	)%
Impact of FX Translation (1)	(32		)	(42		)	(48		)	(25		)	—							(56		)	—
Total Operating Expenses - Ex-FX (2)	$	1,132		$	1,164		$	1,198		$	1,103		$	1,107		—		(2	)%	$	2,258		$	2,235		(1	)%
Provisions for LLR & PBC - as Reported	$	178		$	183		$	255		$	223		$	209		(6	)%	17	%	$	367		$	432		18	%
Impact of FX Translation (1)	—			(6		)	(11		)	(9		)	—							2			—
Provisions for LLR & PBC - Ex-FX (2)	$	178		$	177		$	244		$	214		$	209		(2	)%	17	%	$	369		$	432		17	%

(1)Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2013 exchange rates for all periods presented.

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

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

16

CITICORP GLOBAL CONSUMER BANKING ASIA - PAGE 2

																2Q13 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2012			2012			2012			2013			2013			1Q13		2Q12
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	627			618			600			574			571			(1	)%	(9	)%
Accounts (in millions)	16.8			16.8			16.9			16.9			16.9			—		1	%
Average Deposits	$	109.7		$	112.5		$	110.1		$	107.0		$	102.3		(4	)%	(7	)%
Investment Sales	$	7.0		$	9.2		$	9.0		$	12.0		$	11.3		(6	)%	61	%
Investment AUMs	$	47.4		$	49.8		$	52.0		$	54.3		$	51.4		(5	)%	8	%
Average Loans	$	67.5		$	68.5		$	69.7		$	69.3		$	68.8		(1	)%	2	%
EOP Loans:
Real Estate Lending	$	35.5		$	36.3		$	36.6		$	36.4		$	35.6		(2	)%	—
Commercial Markets	16.8			16.9			16.6			16.7			17.1			2	%	2	%
Personal and Other	15.3			16.1			16.5			16.3			15.8			(3	)%	3	%
Total EOP Loans	$	67.6		$	69.3		$	69.7		$	69.4		$	68.5		(1	)%	1	%
Net Interest Revenue (in millions) (1)	$	785		$	771		$	755		$	729		$	708		(3	)%	(10	)%
As a % of Average Loans (1)	4.68		%	4.48		%	4.31		%	4.27		%	4.13		%
Net Credit Losses (in millions)	$	72		$	81		$	99		$	67		$	53		(21	)%	(26	)%
As a % of Average Loans	0.43		%	0.47		%	0.57		%	0.39		%	0.31		%
Loans 90+ Days Past Due (in millions)	$	241		$	219		$	228		$	229		$	205		(10	)%	(15	)%
As a % of EOP Loans	0.36		%	0.32		%	0.33		%	0.33		%	0.30		%
Loans 30-89 Days Past Due (in millions)	$	440		$	433		$	459		$	468		$	432		(8	)%	(2	)%
As a % of EOP Loans	0.65		%	0.62		%	0.66		%	0.67		%	0.63		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)	15.7			15.9			16.0			16.1			16.4			2	%	4	%
Purchase Sales (in billions)	$	18.8		$	19.1		$	20.7		$	19.3		$	19.4		1	%	3	%
Average Loans (in billions) (2)	$	19.5		$	19.8		$	19.9		$	19.8		$	19.0		(4	)%	(3	)%
EOP Loans (in billions) (2)	$	19.6		$	20.0		$	20.4		$	19.4		$	18.9		(3	)%	(4	)%
Average Yield (3)	13.16		%	12.89		%	12.88		%	12.69		%	12.48		%
Net Interest Revenue (in millions) (4)	$	501		$	501		$	513		$	498		$	482		(3	)%	(4	)%
As a % of Average Loans (4)	10.33		%	10.07		%	10.26		%	10.20		%	10.18		%
Net Credit Losses (in millions)	$	127		$	136		$	136		$	139		$	127		(9	)%	—
As a % of Average Loans	2.62		%	2.73		%	2.72		%	2.85		%	2.68		%
Net Credit Margin (in millions) (5)	$	660		$	651		$	684		$	621		$	649		5	%	(2	)%
As a % of Average Loans (5)	13.61		%	13.08		%	13.67		%	12.72		%	13.70		%
Loans 90+ Days Past Due	$	222		$	220		$	234		$	232		$	209		(10	)%	(6	)%
As a % of EOP Loans	1.13		%	1.10		%	1.15		%	1.20		%	1.11		%
Loans 30-89 Days Past Due	$	315		$	334		$	342		$	325		$	287		(12	)%	(9	)%
As a % of EOP Loans	1.61		%	1.67		%	1.68		%	1.68		%	1.52		%

(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.

17

CITICORP INSTITUTIONAL CLIENTS GROUP (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Commissions and Fees	$	1,081		$	1,011		$	1,085		$	1,179		$	1,156		(2	)%	7	%	2,222			2,335			5	%
Administration and Other Fiduciary Fees	742			663			689			694			696			—		(6	)%	1,438			1,390			(3	)%
Investment Banking	793			1,000			1,014			1,085			983			(9	)%	24	%	1,604			2,068			29	%
Principal Transactions	1,434			731			49			2,415			2,407			—		68	%	3,350			4,822			44	%
Other	326			37			(41		)	359			368			3	%	13	%	(79		)	727			NM
Total Non-Interest Revenue	4,376			3,442			2,796			5,732			5,610			(2	)%	28	%	8,535			11,342			33	%
Net Interest Revenue (including Dividends)	3,862			4,024			4,183			3,852			3,963			3	%	3	%	7,750			7,815			1	%
Total Revenues, Net of Interest Expense	8,238			7,466			6,979			9,584			9,573			—		16	%	16,285			19,157			18	%
Total Operating Expenses	4,979			4,869			5,264			4,988			4,937			(1	)%	(1	)%	10,066			9,925			(1	)%
Net Credit Losses	122			143			75			39			53			36	%	(57	)%	64			92			44	%
Provision for Unfunded Lending Commitments	26			(26		)	50			3			(19		)	NM		NM		15			(16		)	NM
Credit Reserve Build / (Release)	(13		)	(149		)	(41		)	23			(64		)	NM		NM		145			(41		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—		—		—			—			—
Provision for Credit Losses and for Benefits and Claims	135			(32		)	84			65			(30		)	NM		NM		224			35			(84	)%
Income from Continuing Operations before Taxes	3,124			2,629			1,631			4,531			4,666			3	%	49	%	5,995			9,197			53	%
Income Taxes	760			622			142			1,406			1,476			5	%	94	%	1,398			2,882			NM
Income from Continuing Operations	2,364			2,007			1,489			3,125			3,190			2	%	35	%	4,597			6,315			37	%
Noncontrolling Interests	31			14			23			50			23			(54	)%	(26	)%	91			73			(20	)%
Net Income	$	2,333		$	1,993		$	1,466		$	3,075		$	3,167		3	%	36	%	$	4,506		$	6,242		39	%
Average Assets (in billions of dollars)	$	1,051		$	1,047		$	1,061		$	1,070		$	1,090		2	%	4	%	$	1,035		$	1,080		4	%
Return on Average Assets	0.89		%	0.76		%	0.55		%	1.17		%	1.17		%					0.88		%	1.17		%
Return on Average Assets (Excluding CVA/DVA) (1)	0.84		%	0.95		%	0.67		%	1.24		%	1.06		%					1.02		%	1.15		%
Efficiency Ratio	60		%	65		%	75		%	52		%	52		%					62		%	52		%
Revenue by Region
North America	$	2,680		$	2,152		$	2,114		$	3,596		$	3,266		(9	)%	22	%	$	4,761		$	6,862		44	%
EMEA	2,520			2,361			2,212			2,734			3,087			13	%	23	%	5,352			5,821			9	%
Latin America	1,176			1,222			1,120			1,217			1,214			—		3	%	2,341			2,431			4	%
Asia	1,862			1,731			1,533			2,037			2,006			(2	)%	8	%	3,831			4,043			6	%
Total	$	8,238		$	7,466		$	6,979		$	9,584		$	9,573		—		16	%	$	16,285		$	19,157		18	%
Income from Continuing Operations by Region
North America	$	671		$	412		$	320		$	1,281		$	1,010		(21	)%	51	%	$	984		$	2,291		NM
EMEA	682			616			432			668			1,016			52	%	49	%	1,496			1,684			13	%
Latin America	490			506			397			476			529			11	%	8	%	988			1,005			2	%
Asia	521			473			340			700			635			(9	)%	22	%	1,129			1,335			18	%
Total	$	2,364		$	2,007		$	1,489		$	3,125		$	3,190		2	%	35	%	$	4,597		$	6,315		37	%
Average Loans by Region (in billions)
North America	$	82		$	90		89			$	91		$	96		5	%	17	%	$	78		$	93		19	%
EMEA	52			54			53			53			56			6	%	8	%	52			55			6	%
Latin America	34			34			37			38			37			(3	)%	9	%	34			38			12	%
Asia	63			65			62			60			64			7	%	2	%	62			62			—
Total	$	231		$	243		$	241		$	242		$	253		5	%	10	%	$	226		$	248		10	%

(1)Return on average assets excluding CVA/DVA is defined as annualized net income excluding after-tax CVA/DVA divided by average assets. Net income excluding CVA/DVA in the second quarter of 2012, third quarter of 2012, fourth quarter of 2012, first quarter of 2013 and second quarter of 2013 was $2,207 million, $2,492 million, $1,782 million, $3,267 million and $2,881 million, respectively.  See page 19 for the CVA/DVA for each period presented.  Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

18

CITICORP INSTITUTIONAL CLIENTS GROUP SECURITIES AND BANKING (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Net Interest Revenue	$	2,369		$	2,539		$	2,704		$	2,437		$	2,573		6	%	9	%	$	4,708		$	5,010		6	%
Non-Interest Revenue	3,102			2,308			1,658			4,541			4,268			(6	)%	38	%	6,105			8,809			44	%
Total Revenues, Net of Interest Expense	5,471			4,847			4,362			6,978			6,841			(2	)%	25	%	10,813			13,819			28	%
Total Operating Expenses	3,568			3,479			3,668			3,564			3,495			(2	)%	(2	)%	7,269			7,059			(3	)%
Net Credit Losses	97			56			75			35			37			6	%	(62	)%	37			72			95	%
Provision for Unfunded Lending Commitments	26			(26		)	50			3			(19		)	NM		NM		9			(16		)	NM
Credit Reserve Build / (Release)	(64		)	(103		)	(47		)	34			(97		)	NM		(52	)%	71			(63		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—		—		—			—			—
Provision for Credit Losses and for Benefits and Claims	59			(73		)	78			72			(79		)	NM		NM		117			(7		)	NM
Income from Continuing Operations before Taxes	1,844			1,441			616			3,342			3,425			2	%	86	%	3,427			6,767			97	%
Income Taxes (Benefits)	369			256			(81		)	987			1,043			6	%	NM		616			2,030			NM
Income from Continuing Operations	1,475			1,185			697			2,355			2,382			1	%	61	%	2,811			4,737			69	%
Noncontrolling Interests	26			11			18			44			18			(59	)%	(31	)%	82			62			(24	)%
Net Income	$	1,449		$	1,174		$	679		$	2,311		$	2,364		2	%	63	%	$	2,729		$	4,675		71	%
Average Assets (in billions of dollars)	913			905			917			926			933			1	%	2	%	899			929			3	%
Return on Average Assets	0.64		%	0.52		%	0.29		%	1.01		%	1.02		%					0.61		%	1.01		%
Return on Average Assets (Excluding CVA/DVA) (1)	0.58		%	0.74		%	0.43		%	1.10		%	0.89		%					0.77		%	0.99		%
Efficiency Ratio	65		%	72		%	84		%	51		%	51		%					67		%	51		%
Revenue Details - Excluding CVA/DVA:
Investment Banking:
Advisory	$	202		$	196		$	206		$	204		$	215		5	%	6	%	$	313		$	419		34	%
Equity Underwriting	168			143			163			225			266			18	%	58	%	323			491			52	%
Debt Underwriting	490			594			634			634			558			(12	)%	14	%	1,096			1,192			9	%
Total Investment Banking	860			933			1,003			1,063			1,039			(2	)%	21	%	1,732			2,102			21	%
Lending	571			167			119			309			424			37	%	(26	)%	583			733			26	%
Equity Markets	561			522			465			826			942			14	%	68	%	1,477			1,768			20	%
Fixed Income Markets	2,861			3,739			2,741			4,623			3,372			(27	)%	18	%	7,642			7,995			5	%
Private Bank	591			609			596			629			645			3	%	9	%	1,189			1,274			7	%
Other Securities and Banking	(171		)	(324		)	(52		)	(162		)	(43		)	73	%	75	%	(632		)	(205		)	68	%
Total Securities and Banking Revenues (Ex-CVA/DVA) (2)	$	5,273		$	5,646		$	4,872		$	7,288		$	6,379		(12	)%	21	%	$	11,991		$	13,667		14	%
North America	$	1,918		$	1,880		$	1,743		$	3,071		$	2,507		(18	)%	31	%	$	3,990		$	5,578		40	%
EMEA	1,610			1,858			1,505			2,059			1,823			(11	)%	13	%	4,170			3,882			(7	)%
Latin America	728			782			695			779			724			(7	)%	(1	)%	1,455			1,503			3	%
Asia	1,017			1,126			929			1,379			1,325			(4	)%	30	%	2,376			2,704			14	%
Total Securities and Banking Revenues (Ex-CVA/DVA) (2)	5,273			5,646			4,872			7,288			6,379			(12	)%	21	%	11,991			13,667			14	%
CVA/DVA {excluded as applicable in lines above}	198			(799		)	(510		)	(310		)	462			NM		NM		(1,178		)	152			NM
Total Revenues, Net of Interest Expense	$	5,471		$	4,847		$	4,362		$	6,978		$	6,841		(2	)%	25	%	$	10,813		$	13,819		28	%
Taxable-equivalent adjustments (3)	$	341		$	310		$	314		$	302		$	301		—		(12	)%	$	668		$	603		(10	)%
Total Securities and Banking Revenues (Ex-CVA/DVA) and including Taxable-equivalent adjustments (2) (3)	$	5,614		$	5,956		$	5,186		$	7,590		$	6,680		(12	)%	19	%	$	12,659		$	14,270		13	%

(1)Return on average assets excluding CVA/DVA is defined as annualized net income excluding after-tax CVA/DVA divided by average assets. Net income excluding CVA/DVA in the first quarter of 2012, second quarter of 2012, third quarter of 2012, fourth quarter of 2012 and first quarter of 2013 was $2,134 million, $1,323 million, $1,673 million, $995 million and $2,503 million, respectively.  For the CVA/DVA for each period presented, see above.

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

(3)Predominantly due to income tax credits related to affordable housing and alternative energy investments as well as tax exempt income from municipal bond investments (See page 32).

NM Not meaningful

Reclassified to conform to the current period’s presentation.

19

CITICORP INSTITUTIONAL CLIENTS GROUP TRANSACTION SERVICES (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Net Interest Revenue	$	1,493		$	1,485		$	1,479		$	1,415		$	1,390		(2	)%	(7	)%	$	3,042		$	2,805		(8	)%
Non-Interest Revenue	1,274			1,134			1,138			1,191			1,342			13	%	5	%	2,430			2,533			4	%
Total Revenues, Net of Interest Expense	2,767			2,619			2,617			2,606			2,732			5	%	(1	)%	5,472			5,338			(2	)%
Total Operating Expenses	1,411			1,390			1,596			1,424			1,442			1	%	2	%	2,797			2,866			2	%
Net Credit Losses	25			87			—			4			16			NM		(36	)%	27			20			(26	)%
Provision for Unfunded Lending Commitments	—			—			—			—			—			—		—		6			—			(100	)%
Credit Reserve Build / (Release)	51			(46		)	6			(11		)	33			NM		(35	)%	74			22			(70	)%
Provision for Benefits & Claims	—			—			—			—			—			—		—		—			—			—
Provision for Credit Losses and for Benefits and Claims	76			41			6			(7		)	49			NM		(36	)%	107			42			(61	)%
Income from Continuing Operations before Taxes	1,280			1,188			1,015			1,189			1,241			4	%	(3	)%	2,568			2,430			(5	)%
Income Taxes	391			366			223			419			433			3	%	11	%	782			852			9	%
Income from Continuing Operations	889			822			792			770			808			5	%	(9	)%	1,786			1,578			(12	)%
Noncontrolling Interests	5			3			5			6			5			(17	)%	—		9			11			22	%
Net Income	$	884		$	819		$	787		$	764		$	803		5	%	(9	)%	$	1,777		$	1,567		(12	)%
Average Assets (in billions of dollars)	$	138		$	142		$	144		$	144		$	157		9	%	14	%	$	136		$	151		11	%
Return on Average Assets	2.58		%	2.29		%	2.17		%	2.15		%	2.05		%					2.63		%	2.09		%
Efficiency Ratio	51		%	53		%	61		%	55		%	53		%					51		%	54		%
Revenue Details
Treasury and Trade Solutions	$	2,074		$	1,953		$	1,962		$	1,922		$	2,002		4	%	(3	)%	$	4,091		$	3,924		(4	)%
Securities and Fund Services	693			666			655			684			730			7	%	5	%	1,381			1,414			2	%
Total	$	2,767		$	2,619		$	2,617		$	2,606		$	2,732		5	%	(1	)%	$	5,472		$	5,338		(2	)%
Average Deposits and Other Customer
Liability Balances (in billions)
North America	$	106		$	107		$	106		$	100		$	106		6	%	—		$	102		$	102		—
EMEA	125			132			142			139			142			2	%	14	%	122			141			16	%
Latin America	34			38			45			45			46			2	%	35	%	35			46			31	%
Asia	131			138			135			131			130			(1	)%	(1	)%	128			131			2	%
Total	$	396		$	415		$	428		$	415		$	424		2	%	7	%	$	387		$	420		9	%
EOP Assets Under Custody (in trillions of dollars)	$	12.2		$	12.8		$	13.2		$	13.5		$	13.4		(1	)%	10	%
FX Translation Impact:
Total Revenue - as Reported	$	2,767		$	2,619		$	2,617		$	2,606		$	2,732		5	%	(1	)%	$	5,472		$	5,338		(2	)%
Impact of FX Translation (1)	(21		)	(28		)	(37		)	(28		)	—							(62		)	—
Total Revenues - Ex-FX (2)	$	2,746		$	2,591		$	2,580		$	2,578		$	2,732		6	%	(1	)%	$	5,410		$	5,338		(1	)%
Total Expenses - as Reported	$	1,411		$	1,390		$	1,596		$	1,424		$	1,442		1	%	2	%	$	2,797		$	2,866		2	%
Impact of FX Translation (1)	(8		)	(11		)	(24		)	(12		)	—							(23		)	—
Total Expenses - Ex-FX (2)	$	1,403		$	1,379		$	1,572		$	1,412		$	1,442		2	%	3	%	$	2,774		$	2,866		3	%

(1)      Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2013 exchange rates for all periods presented.

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

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

20

CORPORATE / OTHER (1)   (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Net Interest Revenue	$	(124	)	$	(197	)	$	(210	)	$	(146	)	$	(137	)	6	%	(10	)%	$	(169	)	$	(283	)	(67	)%
Non-Interest Revenue	(172		)	198			104			139			240			73	%	NM		344			379			10	%
Total Revenues, Net of Interest Expense	(296		)	1			(106		)	(7		)	103			NM		NM		175			96			(45	)%
Total Operating Expenses	597			765			1,059			568			525			(8	)%	(12	)%	1,392			1,093			(21	)%
Net Credit Losses	1			(1		)	(1		)	—			—			—		(100	)%	2			—			(100	)%
Credit Reserve Build / (Release)	—			—			—			—			—			—		—		(1		)	—			100	%
Provision for Benefits & Claims	(1		)	—			—			—			—			—		100	%	(1		)	—			100	%
Provision for Unfunded Lending Commitments	—			—			1			—			—			—		—		—			—			—
Provision for Loan Losses and for Benefits and Claims	—			(1		)	—			—			—			—		—		—			—			—
Income from Continuing Operations before Taxes	(893		)	(763		)	(1,165		)	(575		)	(422		)	27	%	53	%	(1,217		)	(997		)	18	%
Income Taxes	(446		)	(687		)	(317		)	(253		)	(34		)	87	%	92	%	(439		)	(287		)	35	%
Income from Continuing Operations	(447		)	(76		)	(848		)	(322		)	(388		)	(20	)%	13	%	(778		)	(710		)	9	%
Income (Loss) from Discontinued Operations, net of taxes (2)	7			8			(85		)	(33		)	30			NM		NM		19			(3		)	NM
Noncontrolling Interests	9			8			5			30			6			(80	)%	(33	)%	72			36			(50	)%
Net Income (Loss)	$	(449	)	$	(76	)	$	(938	)	$	(385	)	$	(364	)	5	%	19	%	$	(831	)	$	(749	)	10	%
EOP Assets (in billions of dollars)	$	285		$	298		$	243		$	280		$	290		4	%	2	%
Average Assets (in billions of dollars)	$	281		$	289		$	283		$	264		$	270		2	%	(4	)%	$	283		$	267		(6	)%

(1)Includes unallocated global staff functions, other corporate expense and unallocated global operations and technology expenses, Corporate Treasury, Corporate items Income (Loss) from Discontinued Operations.

(2)See Footnote 3 on page 2.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

21

CITICORP NORTH AMERICA (1) (In millions of dollars, except as otherwise noted)  

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Net Interest Revenue	$	5,378		$	5,604		$	5,707		$	5,549		$	5,457		(2	)%	1	%	$	10,730		$	11,006		3	%
Non-Interest Revenue	2,404			1,916			1,720			3,157			2,861			(9	)%	19	%	4,299			6,018			40	%
Total Revenues, Net of Interest Expense	7,782			7,520			7,427			8,706			8,318			(4	)%	7	%	15,029			17,024			13	%
Total Operating Expenses	4,447			4,318			4,667			4,347			4,257			(2	)%	(4	)%	8,789			8,604			(2	)%
Net Credit Losses	1,564			1,370			1,269			1,271			1,207			(5	)%	(23	)%	3,111			2,478			(20	)%
Credit Reserve Build / (Release)	(839		)	(574		)	(293		)	(424		)	(331		)	22	%	61	%	(1,650		)	(755		)	54	%
Provision Unfunded Lending Commitments	19			(15		)	44			3			(19		)	NM		NM		2			(16		)	NM
Provision for Benefits & Claims	19			19			18			14			13			(7	)%	(32	)%	33			27			(18	)%
Provision for Credit Losses and for Benefits and Claims	763			800			1,038			864			870			1	%	14	%	1,496			1,734			16	%
Income from Continuing Operations before Taxes	2,572			2,402			1,722			3,495			3,191			(9	)%	24	%	4,744			6,686			41	%
Income Taxes	727			713			422			1,101			1,057			(4	)%	45	%	1,289			2,158			67	%
Income from Continuing Operations	1,845			1,689			1,300			2,394			2,134			(11	)%	16	%	3,455			4,528			31	%
Noncontrolling Interests	10			(7		)	9			17			(2		)	NM		NM		42			15			(64	)%
Net Income	$	1,835		$	1,696		$	1,291		$	2,377		$	2,136		(10	)%	16	%	$	3,413		$	4,513		32	%
Average Assets (in billions of dollars)	$	616		$	629		$	635		$	633		$	638		—		4	%	$	606		$	636		5	%
Return on Average Assets	1.20		%	1.07		%	0.81		%	1.52		%	1.34		%					1.13		%	1.43		%
Efficiency Ratio	57		%	57		%	63		%	50		%	51		%					58		%	51		%
Revenue by Business
Retail Banking	$	1,650		$	1,740		$	1,667		$	1,573		$	1,591		1	%	(4	)%	$	3,279		$	3,164		(4	)%
Citi-Branded Cards	1,988			2,087			2,113			2,026			1,978			(2	)%	(1	)%	4,034			4,004			(1	)%
Citi Retail Services	1,464			1,541			1,533			1,511			1,483			(2	)%	1	%	2,955			2,994			1	%
Global Consumer Banking	5,102			5,368			5,313			5,110			5,052			(1	)%	(1	)%	10,268			10,162			(1	)%
Securities and Banking	2,017			1,533			1,481			2,970			2,599			(12	)%	29	%	3,459			5,569			61	%
Transaction Services	663			619			633			626			667			7	%	1	%	1,302			1,293			(1	)%
Total	$	7,782		$	7,520		$	7,427		$	8,706		$	8,318		(4	)%	7	%	$	15,029		$	17,024		13	%
CVA/DVA {included as applicable in businesses above}	99			(346		)	(262		)	(102		)	92			NM		(7	)%	(530		)	(10		)	98	%
Total Revenues - Excluding CVA/DVA (2)	$	7,683		$	7,866		$	7,689		$	8,808		$	8,226		(7	)%	7	%	$	15,559		$	17,034		9	%
Income (loss) from Continuing Operations by Business
Retail Banking	$	337		$	342		$	231		$	229		$	274		20	%	(19	)%	$	671		$	503		(25	)%
Citi-Branded Cards	413			555			460			448			457			2	%	11	%	1,005			905			(10	)%
Citi Retail Services	424			380			289			436			393			(10	)%	(7	)%	795			829			4	%
Global Consumer Banking	1,174			1,277			980			1,113			1,124			1	%	(4	)%	2,471			2,237			(9	)%
Securities and Banking	549			292			222			1,152			849			(26	)%	55	%	736			2,001			NM
Transaction Services	122			120			98			129			161			25	%	32	%	248			290			17	%
Total	$	1,845		$	1,689		$	1,300		$	2,394		$	2,134		(11	)%	16	%	$	3,455		$	4,528		31	%

(1)    Regional results do not include Corporate/Other.  See page 21 for Corporate/Other results.

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

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

22

CITICORP EMEA (1) (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Net Interest Revenue	$	1,184		$	1,261		$	1,310		$	1,166		$	1,214		4	%	3	%	$	2,484		$	2,380		(4	)%
Non-Interest Revenue	1,694			1,474			1,286			1,936			2,237			16	%	32	%	3,595			4,173			16	%
Total Revenues, Net of Interest Expense	2,878			2,735			2,596			3,102			3,451			11	%	20	%	6,079			6,553			8	%
Total Operating Expenses	1,893			1,882			2,127			1,953			1,916			(2	)%	1	%	3,857			3,869			—
Net Credit Losses	20			48			71			41			25			(39	)%	25	%	72			66			(8	)%
Credit Reserve Build / (Release)	(38		)	(47		)	92			79			(64		)	NM		(68	)%	37			15			(59	)%
Provision Unfunded Lending Commitments	7			(10		)	6			1			(1		)	NM		NM		12			—			(100	)%
Provision for Benefits & Claims	—			—			—			—			—			—		—		—			—			—
Provision for Credit Losses and for Benefits and Claims	(11		)	(9		)	169			121			(40		)	NM		NM		121			81			(33	)%
Income from Continuing Operations before Taxes	996			862			300			1,028			1,575			53	%	58	%	2,101			2,603			24	%
Income Taxes	301			240			(89		)	353			531			50	%	76	%	605			884			46	%
Income from Continuing Operations	695			622			389			675			1,044			55	%	50	%	1,496			1,719			15	%
Noncontrolling Interests	22			23			16			36			30			(17	)%	36	%	50			66			32	%
Net Income	$	673		$	599		$	373		$	639		$	1,014		59	%	51	%	$	1,446		$	1,653		14	%
Average Assets (in billions of dollars)	$	299		$	282		$	293		$	302		$	312		3	%	4	%	$	298		$	307		3	%
Return on Average Assets	0.91		%	0.85		%	0.51		%	0.86		%	1.30		%					0.98		%	1.09		%
Efficiency Ratio	66		%	69		%	82		%	63		%	56		%					63		%	59		%
Revenue by Business
Retail Banking	$	210		$	220		$	227		$	215		$	214		—		2	%	$	426		$	429		1	%
Citi-Branded Cards	148			154			157			153			150			(2	)%	1	%	301			303			1	%
Regional Consumer Banking	358			374			384			368			364			(1	)%	2	%	727			732			1	%
Securities and Banking	1,612			1,517			1,349			1,873			2,166			16	%	34	%	3,571			4,039			13	%
Transaction Services	908			844			863			861			921			7	%	1	%	1,781			1,782			—
Total	$	2,878		$	2,735		$	2,596		$	3,102		$	3,451		11	%	20	%	$	6,079		$	6,553		8	%
CVA/DVA {included as applicable in businesses above}	2			(342		)	(156		)	(185		)	342			NM		NM		(599		)	157			NM
Total Revenues - Excluding CVA/DVA (2)	$	2,876		$	3,077		$	2,752		$	3,287		$	3,109		(5	)%	8	%	$	6,678		$	6,396		(4	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	(9	)	$	(14	)	$	(43	)	$	(8	)	$	—		100	%	100	%	$	(35	)	$	(8	)	77	%
Citi-Branded Cards	22			20			—			15			28			87	%	27	%	35			43			23	%
Regional Consumer Banking	13			6			(43		)	7			28			NM		NM		$	—		$	35		—
Securities and Banking	365			348			133			445			787			77	%	NM		879			1,232			40	%
Transaction Services	317			268			299			223			229			3	%	(28	)%	617			452			(27	)%
Total	$	695		$	622		$	389		$	675		$	1,044		55	%	50	%	$	1,496		$	1,719		15	%

(1)    Regional results do not include Corporate/Other.  See page 21 for Corporate/Other results.

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

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

23

CITICORP LATIN AMERICA (1) (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Net Interest Revenue	$	2,148		$	2,226		$	2,316		$	2,250		$	2,359		5	%	10	%	$	4,326		$	4,609		7	%
Non-Interest Revenue	1,123			1,186			1,089			1,278			1,182			(8	)%	5	%	2,298			2,460			7	%
Total Revenues, Net of Interest Expense	3,271			3,412			3,405			3,528			3,541			—		8	%	6,624			7,069			7	%
Total Operating Expenses	1,645			1,694			1,984			1,789			1,787			—		9	%	3,307			3,576			8	%
Net Credit Losses	347			356			427			424			423			—		22	%	680			847			25	%
Credit Reserve Build / (Release)	80			60			35			57			49			(14	)%	(39	)%	165			106			(36	)%
Provision Unfunded Lending Commitments	—			—			—			—			—			—		—		—			—			—
Provision for Benefits & Claims	31			46			46			49			33			(33	)%	6	%	75			82			9	%
Provision for Credit Losses and for Benefits and Claims	458			462			508			530			505			(5	)%	10	%	920			1,035			13	%
Income from Continuing Operations before Taxes	1,168			1,256			913			1,209			1,249			3	%	7	%	2,397			2,458			3	%
Income Taxes	343			376			132			353			349			(1	)%	2	%	699			702			—
Income from Continuing Operations	825			880			781			856			900			5	%	9	%	1,698			1,756			3	%
Noncontrolling Interests	(3		)	—			(3		)	1			—			(100	)%	100	%	(3		)	1			NM
Net Income	$	828		$	880		$	784		$	855		$	900		5	%	9	%	$	1,701		$	1,755		3	%
Average Assets (in billions of dollars)	$	165		$	169		$	175		$	184		$	180		(2	)%	9	%	$	166		$	182		10	%
Return on Average Assets	2.07		%	2.12		%	1.82		%	1.92		%	2.01		%					2.11		%	1.97		%
Efficiency Ratio	50		%	50		%	58		%	51		%	50		%					50		%	51		%
Revenue by Business
Retail Banking	$	1,405		$	1,469		$	1,509		$	1,547		$	1,538		(1	)%	9	%	$	2,879		$	3,085		7	%
Citi-Branded Cards	690			721			776			764			789			3	%	14	%	1,404			1,553			11	%
Regional Consumer Banking	2,095			2,190			2,285			2,311			2,327			1	%	11	%	$	4,283		$	4,638		8	%
Securities and Banking	730			780			680			770			747			(3	)%	2	%	1,453			1,517			4	%
Transaction Services	446			442			440			447			467			4	%	5	%	888			914			3	%
Total	$	3,271		$	3,412		$	3,405		$	3,528		$	3,541		—		8	%	$	6,624		$	7,069		7	%
CVA/DVA {included as applicable in businesses above}	2			(3		)	(15		)	(9		)	23			NM		NM		(3		)	14			NM
Total Revenues - Excluding CVA/DVA (2)	$	3,269		$	3,415		$	3,420		$	3,537		$	3,518		(1	)%	8	%	$	6,627		$	7,055		6	%
Income from Continuing Operations by Business
Retail Banking	$	238		$	222		$	233		$	248		$	211		(15	)%	(11	)%	$	454		$	459		1	%
Citi-Branded Cards	97			152			151			132			160			21	%	65	%	256			292			14	%
Regional Consumer Banking	335			374			384			380			371			(2	)%	11	%	$	710		$	751		6	%
Securities and Banking	309			352			264			312			350			12	%	13	%	633			662			5	%
Transaction Services	181			154			133			164			179			9	%	(1	)%	355			343			(3	)%
Total	$	825		$	880		$	781		$	856		$	900		5	%	9	%	$	1,698		$	1,756		3	%

(1) Regional results do not include Corporate/Other.  See page 21 for Corporate/Other results.

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

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

24

CITICORP ASIA (1) (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Net Interest Revenue	$	2,162		$	2,137		$	2,158		$	2,058		$	2,005		(3	)%	(7	)%	$	4,384		$	4,063		(7	)%
Non-Interest Revenue	1,652			1,577			1,370			1,939			1,969			2	%	19	%	3,397			3,908			15	%
Total Revenues, Net of Interest Expense	3,814			3,714			3,528			3,997			3,974			(1	)%	4	%	7,781			7,971			2	%
Total Operating Expenses	2,177			2,246			2,268			2,108			2,108			—		(3	)%	4,376			4,216			(4	)%
Net Credit Losses	230			317			247			212			183			(14	)%	(20	)%	421			395			(6	)%
Credit Reserve Build / (Release)	31			(103		)	(27		)	(29		)	45			NM		45	%	84			16			(81	)%
Provision for Unfunded Lending Commitments	—			—			—			14			10			(29	)%	—		—			24			—
Provision for Benefits & Claims	—			—			—			—			—			—		—		—			—			—
Provision for Credit Losses and for Benefits and Claims	261			214			220			197			238			21	%	(9	)%	505			435			(14	)%
Income from Continuing Operations before Taxes	1,376			1,254			1,040			1,692			1,628			(4	)%	18	%	2,900			3,320			14	%
Income Taxes	406			331			304			575			561			(2	)%	38	%	821			1,136			38	%
Income from Continuing Operations	970			923			736			1,117			1,067			(4	)%	10	%	2,079			2,184			5	%
Noncontrolling Interests	1			1			1			1			1			—		—		2			2			—
Net Income	$	969		$	922		$	735		$	1,116		$	1,066		(4	)%	10	%	$	2,077		$	2,182		5	%
Average Assets (in billions of dollars)	$	353		$	356		$	353		$	351		$	351		—		(1	)%	$	350		$	351		—
Return on Average Assets	1.10		%	1.03		%	0.83		%	1.29		%	1.22		%					1.19		%	1.25		%
Efficiency Ratio	57		%	60		%	64		%	53		%	53		%					56		%	53		%
Revenue by Business
Retail Banking	$	1,165		$	1,196		$	1,175		$	1,200		$	1,192		(1	)%	2	%	$	2,395		$	2,392		—
Citi-Branded Cards	787			787			820			760			776			2	%	(1	)%	1,555			1,536			(1	)%
Regional Consumer Banking	1,952			1,983			1,995			1,960			1,968			—		1	%	3,950			3,928			(1	)%
Securities and Banking	1,112			1,017			852			1,365			1,329			(3	)%	20	%	2,330			2,694			16	%
Transaction Services	750			714			681			672			677			1	%	(10	)%	1,501			1,349			(10	)%
Total	$	3,814		$	3,714		$	3,528		$	3,997		$	3,974		(1	)%	4	%	$	7,781		$	7,971		2	%
CVA/DVA {included as applicable in businesses above}	95			(108		)	(77		)	(14		)	5			NM		(95	)%	(46		)	(9		)	80	%
Total Revenues - Excluding CVA/DVA (2)	$	3,719		$	3,822		$	3,605		$	4,011		$	3,969		(1	)%	7	%	$	7,827		$	7,980		2	%
Income from Continuing Operations by Business
Retail Banking	$	242		$	252		$	189		$	257		$	238		(7	)%	(2	)%	$	546		$	495		(9	)%
Citi-Branded Cards	207			198			207			160			194			21	%	(6	)%	404			354			(12	)%
Regional Consumer Banking	449			450			396			417			432			4	%	(4	)%	950			849			(11	)%
Securities and Banking	252			193			78			446			396			(11	)%	57	%	563			842			50	%
Transaction Services	269			280			262			254			239			(6	)%	(11	)%	566			493			(13	)%
Total	$	970		$	923		$	736		$	1,117		$	1,067		(4	)%	10	%	$	2,079		$	2,184		5	%

(1)  Regional results do not include Corporate/Other.  See page 21 for Corporate/Other results.

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

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

25

CITI HOLDINGS INCOME STATEMENT AND BALANCE SHEET DATA (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Revenues
Net interest revenue	$	595		$	680		$	635		$	753		$	784		4	%	32	%	$	1,304		$	1,537		18	%
Non-interest revenue	343			(4,359		)	432			148			308			NM		(10	)%	516			456			(12	)%
Total revenues, net of interest expense	938			(3,679		)	1,067			901			1,092			21	%	16	%	1,820			1,993			10	%
Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses (1)	1,329			1,807			972			930			770			(17	)%	(42	)%	3,063			1,700			(44	)%
Credit Reserve Build / (Release) (1) (2)	(250		)	(797		)	46			(347		)	(480		)	(38	)%	(92	)%	(800		)	(827		)	(3	)%
Provision for loan losses	1,079			1,010			1,018			583			290			(50	)%	(73	)%	2,263			873			(61	)%
Provision for Benefits & Claims	165			160			155			168			154			(8	)%	(7	)%	336			322			(4	)%
Provision for unfunded lending commitments	(19		)	(16		)	5			(4		)	7			NM		NM		(45		)	3			NM
Total provisions for credit losses and for benefits and claims	1,225			1,154			1,178			747			451			(40	)%	(63	)%	2,554			1,198			(53	)%
Total operating expenses	1,235			1,187			1,604			1,502			1,547			3	%	25	%	2,452			3,049			24	%
Income (Loss) from Continuing Operations before Income Taxes	(1,522		)	(6,020		)	(1,715		)	(1,348		)	(906		)	33	%	40	%	(3,186		)	(2,254		)	29	%
Provision (benefits) for income taxes	(613		)	(2,467		)	(666		)	(559		)	(337		)	40	%	45	%	(1,260		)	(896		)	29	%
Income (Loss) from Continuing Operations	(909		)	(3,553		)	(1,049		)	(789		)	(569		)	28	%	37	%	(1,926		)	(1,358		)
Noncontrolling Interests	1			—			—			5			1			(80	)%	—		3			6			100	%
Citi Holding’s Net Income (Loss)	$	(910	)	$	(3,553	)	$	(1,049	)	$	(794	)	$	(570	)	28	%	37	%	$	(1,929	)	$	(1,364	)	29	%
Balance Sheet Data (in billions):
Total Average Assets	$	202		$	184		$	166		$	153		$	144		(6	)%	(29	)%	$	213		$	149		(30	)%
Total EOP Assets	$	191		$	171		$	156		$	149		$	131		(12	)%	(31	)%	$	191		$	131		(31	)%
Total EOP Loans	$	128		$	122		$	116		$	108		$	100		(7	)%	(22	)%	$	128		$	100		(22	)%
Total EOP Deposits	$	63		$	67		$	68		$	66		$	65		(2	)%	3	%	$	63		$	65		3	%

(1)

The third quarter of 2012 includes approximately $635 million of incremental charge-offs related to Office of the Comptroller of the Currency (OCC) guidance which required mortgage loans to borrowers that have gone through Chapter 7 of the U.S. Bankruptcy Code to be written down to collateral value. There was a corresponding approximate $600 million release in the third quarter of 2012 allowance for loan losses related to these charge-offs. The fourth quarter of 2012 includes a benefit of approximately $40 million to charge offs related to finalizing the impact of this OCC guidance.

(2)

The second quarter of 2012, third quarter of 2012, fourth quarter of 2012, first quarter of 2013 and second quarter of 2013 includes $73 million, $32 million, $100 million, $148 million and $124 million, respectively, of builds (releases) related to gains/(losses) on loan sales.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

26

CITI HOLDINGS BROKERAGE AND ASSET MANAGEMENT (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Net Interest Revenue	$	(122	)	$	(117	)	$	(103	)	$	(84	)	$	(87	)	(4	)%	29	%	$	(253	)	$	(171	)	32	%
Non-Interest Revenue	209			(4,687		)	167			67			67			—		(68	)%	292			134			(54	)%
Total Revenues, Net of Interest Expense (1)	87			(4,804		)	64			(17		)	(20		)	(18	)%	NM		39			(37		)	NM
Total Operating Expenses	126			85			95			105			63			(40	)%	(50	)%	283			168			(41	)%
Net Credit Losses	—			—			—			—			—			—		—		—			—			—
Credit Reserve Build / (Release)	—			—			—			—			—			—		—		(1		)	—			100	%
Provision for Benefits & Claims	—			—			—			—			—			—		—		—			—			—
Provision for Unfunded Lending Commitments	—			—			—			—			—			—		—		—			—			—
Provision for Loan Losses and for Benefits and Claims	—			—			—			—			—			—		—		(1		)	—			100	%
Income (loss) from Continuing Operations before Taxes	(39		)	(4,889		)	(31		)	(122		)	(83		)	32	%	NM		(243		)	(205		)	16	%
Income Taxes (benefits)	(15		)	(1,871		)	(19		)	(43		)	(30		)	30	%	(100	)%	(82		)	(73		)	11	%
Income (loss) from Continuing Operations	(24		)	(3,018		)	(12		)	(79		)	(53		)	33	%	NM		(161		)	(132		)	18	%
Noncontrolling Interests	1			1			—			5			1			(80	)%	—		2			6			NM
Net Income (Loss)	$	(25	)	$	(3,019	)	$	(12	)	$	(84	)	$	(54	)	36	%	NM		$	(163	)	$	(138	)	15	%
EOP Assets (in billions of dollars)	$	22		$	9		$	9		$	9		$	1		(89	)%	(95	)%	$	22		$	1		(95	)%
EOP Deposits (in billions of dollars)	$	55		$	58		$	59		$	57		$	57		(1	)%	4	%	$	55		$	57		4	%

(1) Third quarter of 2012 includes the recognition of a $3,340 million impairment charge related to the carrying value of Citi’s remaining 35% investment in the Morgan Stanley Smith Barney joint venture (MSSB JV). Third quarter of 2012 also includes a non-cash charge of $1,344 million, representing a loss on Citi’s sale of the 14% interest in the MSSB JV to Morgan Stanley.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

27

INCOME STATEMENT AND BALANCE SHEET DATA LOCAL CONSUMER LENDING Page 1 (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Net Interest Revenue	$	782		$	840		$	784		$	840		$	869		3	%	11	%	$	1,711		$	1,709		—
Non-Interest Revenue	150			264			221			216			186			(14	)%	24	%	545			402			(26	)%
Total Revenues, Net of Interest Expense	932			1,104			1,005			1,056			1,055			—		13	%	2,256			2,111			(6	)%
Total Operating Expenses	1,043			983			1,431			825			806			(2	)%	(23	)%	2,040			1,631			(20	)%
Net Credit Losses (1)	1,289			1,824			1,005			920			775			(16	)%	(40	)%	3,041			1,695			(44	)%
Credit Reserve Build / (Release) (1) (2)	(186		)	(760		)	56			(325		)	(475		)	(46	)%	NM		(706		)	(800		)	(13	)%
Provision for Benefits & Claims	165			160			155			168			154			(8	)%	(7	)%	336			322			(4	)%
Provision for Unfunded Lending Commitments	—			—			—			—			—			—		—		—			—			—
Provision for Loan Losses and for Benefits and Claims	1,268			1,224			1,216			763			454			(40	)%	(64	)%	2,671			1,217			(54	)%
Income (loss) from Continuing Operations before Taxes	(1,379		)	(1,103		)	(1,642		)	(532		)	(205		)	61	%	85	%	(2,455		)	(737		)	70	%
Income Taxes (benefits)	(560		)	(411		)	(598		)	(239		)	(71		)	70	%	87	%	(1,003		)	(310		)	69	%
Income (loss) from Continuing Operations	(819		)	(692		)	(1,044		)	(293		)	(134		)	54	%	84	%	(1,452		)	(427		)	71	%
Noncontrolling Interests	—			(1		)	—			—			—			—		—		1			—			(100	)%
Net Income (Loss)	$	(819	)	$	(691	)	$	(1,044	)	$	(293	)	$	(134	)	54	%	84	%	$	(1,453	)	$	(427	)	71	%
Average Assets (in billions of dollars)	$	143		$	136		$	131		$	124		$	118		(5	)%	(17	)%	$	150		$	121		(19	)%
EOP Assets (in billions of dollars)	$	137		$	134		$	126		$	122		$	115		(6	)%	(16	)%	$	137		$	115
Net Credit Losses as a % of Average Loans	4.09		%	5.96		%	3.45		%	3.37		%	2.98		%					4.71		%	3.18		%
Revenue by Business
International	$	160		$	147		$	111		$	105		$	154		47	%	(4	)%	$	521		$	259		(50	)%
North America	772			957			894			951			901			(5	)%	17	%	1,735			1,852			7	%
Total Revenues	$	932		$	1,104		$	1,005		$	1,056		$	1,055		—		13	%	$	2,256		$	2,111		(6	)%
Net Credit Losses by Business
International	$	154		$	121		$	90		$	85		$	51		(40	)%	(67	)%	$	325		$	136		(58	)%
North America	1,135			1,703			915			835			724			(13	)%	(36	)%	2,716			1,559			(43	)%
Total Net Credit Losses	$	1,289		$	1,824		$	1,005		$	920		$	775		(16	)%	(40	)%	$	3,041		$	1,695		(44	)%
Income (Loss) from Continuing Operations by Business
International	$	(94	)	$	(99	)	$	(150	)	$	(100	)	$	(46	)	54	%	51	%	$	(18	)	$	(146	)	NM
North America	(725		)	(593		)	(894		)	(193		)	(88		)	54	%	88	%	(1,434		)	(281		)	80	%
Total Income (Loss) from Continuing Operations	$	(819	)	$	(692	)	$	(1,044	)	$	(293	)	$	(134	)	54	%	84	%	$	(1,452	)	$	(427	)	71	%

(1)

The third quarter of 2012 includes approximately $635 million of incremental charge-offs related to Office of the Comptroller of the Currency (OCC) guidance which required mortgage loans to borrowers that have gone through Chapter 7 of the U.S. Bankruptcy Code to be written down to collateral value. There was a corresponding approximate $600 million release in the third quarter of 2012 allowance for loan losses related to these charge-offs. The fourth quarter of 2012 includes a benefit of approximately $40 million to charge offs related to finalizing the impact of this OCC guidance.

(2)

The second quarter of 2012, third quarter of 2012, fourth quarter of 2012, first quarter of 2013 and second quarter of 2013 includes $73 million, $32 million, $100 million, $148 million and $124 million, respectively, of builds (releases) related to gains/(losses) on loan sales.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

28

INCOME STATEMENT AND BALANCE SHEET DATA LOCAL CONSUMER LENDING - Page 2 (In millions of dollars, except as otherwise noted)

																2Q13 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2012			2012			2012			2013			2013			1Q13		2Q12
International Key Indicators
Branches (actual)	357			357			90			90			83			(8	)%	(77	)%
Average Loans (in billions) (1)	$	9.6		$	9.0		$	8.2		$	7.3		$	6.4		(12	)%	(33	)%
																—		—
EOP Loans (1):
Real Estate Lending	$	4.5		$	4.5		$	4.2		$	3.7		$	3.4		(8	)%	(24	)%
Cards	2.6			2.6			2.5			2.3			2.4			4	%	(8	)%
Commercial Markets	0.5			0.4			0.1			0.1			—			—		(100	)%
Personal and Other	1.7			1.3			0.8			0.5			0.4			(20	)%	(76	)%
EOP Loans (in billions of dollars)	$	9.3		$	8.8		$	7.6		$	6.6		$	6.2		(6	)%	(33	)%
Net Interest Revenue	$	121		$	138		$	94		$	83		$	123		48	%	2	%
As a % of Average Loans	5.07		%	6.10		%	4.56		%	4.61		%	7.71		%
Net Credit Losses	$	154		$	121		$	90		$	85		$	51		(40	)%	(67	)%
As a % of Average Loans	6.45		%	5.35		%	4.37		%	4.72		%	3.20		%
Loans 90+ Days Past Due	$	363		$	366		$	345		$	269		$	242		(10	)%	(33	)%
As a % of EOP Loans	3.90		%	4.16		%	4.54		%	4.08		%	3.90		%
Loans 30-89 Days Past Due	$	453		$	436		$	393		$	286		$	255		(11	)%	(44	)%
As a % of EOP Loans	4.87		%	4.95		%	5.17		%	4.33		%	4.11		%
North America Key Indicators (1)
Branches (actual)	1,592			1,582			1,564			1,501			1,493			(1	)%	(6	)%
Average Loans (in billions of dollars)	$	117.1		$	112.7		$	107.7		$	103.4		$	97.8		(5	)%	(16	)%
EOP Loans (in billions of dollars)	$	114.6		$	109.1		$	105.1		$	98.3		$	91.7		(7	)%	(20	)%
Net Interest Revenue	$	661		$	702		$	690		$	757		$	746		(1	)%	13	%
As a % of Average Loans	2.27		%	2.48		%	2.55		%	2.97		%	3.06		%
Net Credit Losses	$	1,135		$	1,703		$	915		$	835		$	724		(13	)%	(36	)%
As a % of Average Loans	3.90		%	6.01		%	3.38		%	3.28		%	2.97		%
Loans 90+ Days Past Due (2)	$	4,991		$	4,608		$	4,266		$	3,409		$	2,965		(13	)%	(41	)%
As a % of EOP Loans	4.71		%	4.58		%	4.41		%	3.78		%	3.53		%
Loans 30-89 Days Past Due (2)	$	4,161		$	4,317		$	3,835		$	3,121		$	2,896		(7	)%	(30	)%
As a % of EOP Loans	3.93		%	4.29		%	3.96		%	3.46		%	3.45		%

(1)	Average loans, EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.
(2)	See Footnote 1 on page 30.

Reclassified to conform to the current period’s presentation.

29

INCOME STATEMENT AND BALANCE SHEET DATA LOCAL CONSUMER LENDING - Page 3 (In millions of dollars, except as otherwise noted)

																2Q13 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2012			2012			2012			2013			2013			1Q13		2Q12
KEY INDICATORS:
Residential Real Estate Lending
Residential First	$	64.2		$	62.0		$	59.2		$	56.8		$	53.7		(5	)%	(16	)%
Home Equity	37.9			36.6			34.9			33.5			32.0			(4	)%	(16	)%
Average Loans (in billions of dollars)	$	102.1		$	98.6		$	94.1		$	90.3		$	85.7		(5	)%	(16	)%
Residential First	$	62.6		$	59.9		$	57.7		$	53.5		$	48.6		(9	)%	(22	)%
Home Equity	37.2			35.4			34.1			32.6			31.2			(4	)%	(16	)%
EOP Loans (in billions of dollars)	$	99.8		$	95.3		$	91.8		$	86.1		$	79.8		(7	)%	(20	)%
Third Party Mortgage Serv Portfolio (EOP, in billions)	$	168.4		$	155.1		$	142.9		$	128.8		$	116.7		(9	)%	(31	)%
Net Servicing & Gain/(Loss) on Sale	$	(124.2	)	$	81.3		$	77.6		$	78.8		$	98.7		25	%	NM
Net Interest Revenue on Loans	$	280		$	305		$	283		$	320		$	295		(8	)%	5	%
As a % of Avg. Loans	1.10		%	1.23		%	1.20		%	1.44		%	1.38		%
Residential First	$	426		$	622		$	367		$	318		$	279		(12	)%	(35	)%
Home Equity	448			863			355			312			274			(12	)%	(39	)%
Net Credit Losses	$	874		$	1,485		$	722		$	630		$	553		(12	)%	(37	)%
As a % of Avg. Loans	3.44		%	5.99		%	3.05		%	2.83		%	2.59		%
Residential First	$	3,774		$	3,439		$	3,114		$	2,436		$	2,079		(15	)%	(45	)%
Home Equity	863			833			822			722			678			(6	)%	(21	)%
Loans 90+ Days Past Due (1) (2)	$	4,637		$	4,272		$	3,936		$	3,158		$	2,757		(13	)%	(41	)%
As a % of EOP Loans	5.08		%	4.92		%	4.71		%	4.05		%	3.83		%
Residential First	$	3,134		$	3,326		$	2,911		$	2,411		$	2,212		(8	)%	(29	)%
Home Equity	725			689			630			517			483			(7	)%	(33	)%
Loans 30-89 Days Past Due (1) (2)	$	3,859		$	4,015		$	3,541		$	2,928		$	2,695		(8	)%	(30	)%
As a % of EOP Loans	4.23		%	4.62		%	4.24		%	3.76		%	3.74		%
Personal Loans
Average Loans (in billions of dollars)	$	10.3		$	10.2		$	10.0		$	9.7		$	9.0		(7	)%	(13	)%
EOP Loans (in billions of dollars)	$	10.2		$	10.1		$	10.0		$	9.0		$	9.0		—		(12	)%
Net Interest Revenue on Loans	$	488		$	499		$	500		$	511		$	520		2	%	7	%
As a % of Avg. Loans	19.06		%	19.46		%	19.89		%	21.36		%	23.17		%
Net Credit Losses	$	208		$	183		$	172		$	186		$	157		(16	)%	(25	)%
As a % of Avg. Loans	8.12		%	7.14		%	6.84		%	7.78		%	7.00		%
Loans 90+ Days Past Due	$	266		$	283		$	290		$	218		$	181		(17	)%	(32	)%
As a % of EOP Loans	2.61		%	2.80		%	2.90		%	2.42		%	2.01		%
Loans 30-89 Days Past Due	$	200		$	206		$	204		$	125		$	139		11	%	(31	)%
As a % of EOP Loans	1.96		%	2.04		%	2.04		%	1.39		%	1.54		%

(1)The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies.
The amounts excluded for Loans 90+Days Past Due and (EOP Loans) for each period were $4.3 billion and ($7.4 billion), $4.1 billion and ($7.2 billion), $4.0 billion and ($7.1 billion), $3.7 billion and ($7.0 billion) and $3.5 billion and ($6.8 billion), as of June 30, 2012, September 30, 2012, December 31, 2012, March 31, 2013 and June 30, 2013, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) for each period were $1.3 billion and ($7.4 billion), $1.3 billion and ($7.2 billion), $1.2 billion and ($7.1 billion), $1.1 billion and ($7.0 billion) and $1.2 billion and ($6.8 billion) as of June 30, 2012, September 30, 2012, December 31, 2012, March 31, 2013 and June 30, 2013, respectively.

(2)The June 30, 2012, September 30, 2012, December 31, 2012, March 31, 2013 and June 30, 2013 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes $1.2 billion, $1.2 billion, $1.2 billion, $1.2 billion and $1.0 billion, respectively, of loans that are carried at fair value.

Reclassified to conform to the current period’s presentation.

30

CITI HOLDINGS SPECIAL ASSET POOL (In millions of dollars, except as otherwise noted)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Net Interest Revenue	$	(65	)	$	(43	)	$	(46	)	$	(3	)	$	2		NM		NM		$	(154	)	$	(1	)	99	%
Non-Interest Revenue	(16		)	64			44			(135		)	55			NM		NM		(321		)	(80		)	75	%
Total Revenues, Net of Interest Expense	(81		)	21			(2		)	(138		)	57			NM		NM		(475		)	(81		)	83	%
Total Operating Expenses	66			119			78			572			678			19	%	NM		129			1,250			NM
Net Credit Losses	40			(17		)	(33		)	10			(5		)	NM		NM		22			5			(77	)%
Credit Reserve Build / (Release)	(64		)	(37		)	(10		)	(22		)	(5		)	77	%	92	%	(93		)	(27		)	71	%
Provision for Benefits & Claims	—			—			—			—			—			—		—		—			—			—
Provision for Unfunded Lending Commitments	(19		)	(16		)	5			(4		)	7			NM		NM		(45		)	3			NM
Provision for Loan Losses and for Benefits and Claims	(43		)	(70		)	(38		)	(16		)	(3		)	81	%	93	%	(116		)	(19		)	84	%
Income from Continuing Operations before Taxes	(104		)	(28		)	(42		)	(694		)	(618		)	11	%	NM		(488		)	(1,312		)	NM
Income Taxes	(38		)	(185		)	(49		)	(277		)	(236		)	15	%	NM		(175		)	(513		)	NM
Income from Continuing Operations	(66		)	157			7			(417		)	(382		)	8	%	NM		(313		)	(799		)	NM
Noncontrolling Interests	—			—			—			—			—			—		—		—			—			—
Net Income (Loss)	$	(66	)	$	157		$	7		$	(417	)	$	(382	)	8	%	NM		$	(313	)	$	(799	)	NM
EOP Assets (in billions of dollars)	$	32		$	28		$	21		$	18		$	15		(17	)%	(53	)%	$	32		$	15		(53	)%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

31

AVERAGE BALANCES AND INTEREST RATES (1)(2)(3)(4) Taxable Equivalent Basis

	Average Volumes						Interest							% Average Rate (4)
	Second		First		Second		Second			First		Second		Second		First		Second
	Quarter		Quarter		Quarter		Quarter			Quarter		Quarter		Quarter		Quarter		Quarter
In millions of dollars, except as otherwise noted	2012		2013		2013(5)		2012			2013		2013(5)		2012		2013		2013(5)
Assets:
Deposits with Banks	$	160,735	$	123,784	$	130,920	$	329		$	256	$	252	0.82	%	0.84	%	0.77	%
Fed Funds Sold and Resale Agreements (6)	286,048		272,188		275,625		902			688		702		1.27	%	1.03	%	1.02	%
Trading Account Assets (7)	251,399		265,175		263,010		1,741			1,666		1,703		2.79	%	2.55	%	2.60	%
Investments	293,810		308,190		307,441		1,934			1,890		1,786		2.65	%	2.49	%	2.33	%
Total Loans (net of Unearned Income) (8)	642,955		643,063		642,370		11,787			11,428		11,309		7.37	%	7.21	%	7.06	%
Other Interest-Earning Assets	43,420		42,229		46,606		132			159		230		1.22	%	1.53	%	1.98	%
Total Average Interest-Earning Assets	$	1,678,367	$	1,654,629	$	1,665,972	$	16,825		$	16,087	$	15,982	4.03	%	3.94	%	3.85	%
Liabilities:
Deposits (excluding deposit insurance and FDIC Assessment)	$	715,718	$	735,211	$	738,610	$	1,636		$	1,377	$	1,294	0.92	%	0.76	%	0.70	%
Deposit Insurance and FDIC Assessment	—		—		—		297			299		289
Total Deposits	715,718		735,211		738,610		1,933			1,676		1,583		1.09	%	0.92	%	0.86	%
Fed Funds Purchased and Repurchase Agreements (6)	224,787		233,292		243,131		753			609		630		1.35	%	1.06	%	1.04	%
Trading Account Liabilities (7)	82,413		71,793		81,883		52		��	42		43		0.25	%	0.24	%	0.21	%
Short-Term Borrowings	112,013		108,705		111,833		183			163		148		0.66	%	0.61	%	0.53	%
Long-Term Debt (9)	275,301		215,739		205,180		2,422			1,840		1,754		3.54	%	3.46	%	3.43	%
Total Average Interest-Bearing Liabilities	$	1,410,232	$	1,364,740	$	1,380,637	$	5,343		$	4,330	$	4,158	1.52	%	1.29	%	1.21	%
Total Average Interest-Bearing Liabilities (excluding deposit insurance and FDIC Assessment)	$	1,410,232	$	1,364,740	$	1,380,637	$	5,046		$	4,031	$	3,869	1.44	%	1.20	%	1.12	%
Net Interest Revenue as a % of Average Interest-Earning Assets (NIM)							$	11,482		$	11,757	$	11,824	2.75	%	2.88	%	2.85	%
NIR as a % of Average Interest-Earning Assets (NIM) (excluding deposit insurance and FDIC Assessment)							$	11,779		$	12,056	$	12,113	2.82	%	2.95	%	2.92	%
2Q13 Increase (Decrease) From														10	bps	(3	)bps
2Q13 Increase (Decrease) (excluding deposit insurance and FDIC Assessment) From														10	bps	(3	)bps

(1)Interest Revenue includes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $139 million for the second quarter of 2012, $127 million for the first quarter of 2013 and $142 million for the second quarter of 2013.

(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.

32

DEPOSITS (In billions of dollars)

															2Q13 Increase
	2Q			3Q			4Q			1Q			2Q		(Decrease) from
	2012			2012			2012			2013			2013		1Q13		2Q12
Citicorp Deposits by Business
Global Consumer Banking
North America	$	153.2		$	156.9		$	165.2		$	166.8		$	165.9	(1	)%	8	%
EMEA	12.6			12.9			13.2			13.1			12.9		(2	)%	2	%
Latin America	45.8			47.3			48.6			49.1			46.6		(5	)%	2	%
Asia	112.5			113.1			110.0			106.8			101.2		(5	)%	(10	)%
Total	$	324.1		$	330.2		$	337.0		$	335.8		$	326.6	(3	)%	1	%
ICG
Securities and Banking	$	121.5		$	119.4		$	114.4		$	111.9		$	105.8	(5	)%	(13	)%
Transaction Services	399.3			425.5			408.7			411.6			426.1		4	%	7	%
Total	$	520.8		$	544.9		$	523.1		$	523.5		$	531.9	2	%	2	%
Corporate/Other	$	6.7		$	2.7		$	2.5		$	8.8		$	15.2	73	%	NM
Total Citicorp	$	851.6		$	877.8		$	862.6		$	868.1		$	873.7	1	%	3	%
Citi Holdings Deposits
Brokerage and Asset Management	$	54.7		$	58.1		$	59.3		$	57.4		$	57.1	(1	)%	4	%
Local Consumer Lending	8.0			8.7			8.7			8.3			7.6		(8	)%	(5	)%
Total Citi Holdings	$	62.7		$	66.8		$	68.0		$	65.7		$	64.7	(2	)%	3	%
Total Citigroup Deposits - EOP	$	914.3		$	944.6		$	930.6		$	933.8		$	938.4	—		3	%
Total Citigroup Deposits - Average	$	893.4		$	921.2		$	928.9		$	920.4		$	924.5	—		3	%
FX Translation Impact:
Total Citigroup EOP Deposits - as Reported	$	914.3		$	944.6		$	930.6		$	933.8		$	938.4	—		3	%
Impact of FX Translation (1)	(7.8		)	(16.5		)	(16.0		)	(9.4		)	—
Total Citigroup EOP Deposits - Ex-FX (2)	$	906.5		$	928.1		$	914.6		$	924.4		$	938.4	2	%	4	%

(1)Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2013 exchange rates for all periods presented.

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

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

33

EOP LOANS - Page 1 CITICORP (In billions of dollars)

															2Q13 Increase
	2Q			3Q			4Q			1Q			2Q		(Decrease) from
	2012			2012			2012			2013			2013		1Q13		2Q12
Citicorp:
Global Consumer Banking
North America
Credit Cards	$	109.3		$	108.8		$	111.5		$	104.6		$	105.3	1	%	(4	)%
Retail Banking	40.9			41.5			42.7			43.1			41.7		(3	)%	2	%
Total	$	150.2		$	150.3		$	154.2		$	147.7		$	147.0	—		(2	)%
EMEA
Credit Cards	$	2.8		$	2.9		$	2.9		$	2.8		$	2.8	—		—
Retail Banking	4.6			4.9			5.1			5.2			5.3		2	%	15	%
Total	$	7.4		$	7.8		$	8.0		$	8.0		$	8.1	1	%	9	%
Latin America
Credit Cards	$	13.7		$	14.2		$	14.8		$	14.9		$	11.5	(23	)%	(16	)%
Retail Banking	25.9			27.5			28.3			30.3			29.7		(2	)%	15	%
Total	$	39.6		$	41.7		$	43.1		$	45.2		$	41.2	(9	)%	4	%
Asia
Credit Cards	$	19.6		$	20.0		$	20.4		$	19.4		$	18.9	(3	)%	(4	)%
Retail Banking	67.6			69.3			69.7			69.4			68.5		(1	)%	1	%
Total	$	87.2		$	89.3		$	90.1		$	88.8		$	87.4	(2	)%	0	%
Total Consumer Loans
Credit Cards	$	145.4		$	145.9		$	149.6		$	141.7		$	138.5	(2	)%	(5	)%
Retail Banking	139.0			143.2			145.8			148.0			145.2		(2	)%	4	%
Total Consumer	$	284.4		$	289.1		$	295.4		$	289.7		$	283.7	(2	)%	0	%
Total Corporate Loans
Securities and Banking	$	166.6		$	172.0		$	168.7		$	171.8		$	169.1	(2	)%	2	%
Transaction Services	76.1			75.5			75.6			77.2			90.8		18	%	19	%
Total Corporate Loans	$	242.7		$	247.5		$	244.3		$	249.0		$	259.9	4	%	7	%
Total Citicorp	$	527.1		$	536.6		$	539.7		$	538.7		$	543.6	1	%	3	%
FX Translation Impact:
Total Citicorp EOP Loans - as Reported	$	527.1		$	536.6		$	539.7		$	538.7		$	543.6	1	%	3	%
Impact of FX Translation (1)	(3.6		)	(9.0		)	(9.0		)	(7.3		)	—
Total Citicorp EOP Loans - Ex-FX (2)	$	523.5		$	527.6		$	530.7		$	531.4		$	543.6	2	%	4	%

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

(1) Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2013 exchange rates for all periods presented.

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

Reclassified to conform to the current period’s presentation.

34

EOP LOANS - Page 2 CITI HOLDINGS AND TOTAL CITIGROUP (In billions of dollars)

															2Q13 Increase
	2Q			3Q			4Q			1Q			2Q		(Decrease) from
	2012			2012			2012			2013			2013		1Q13		2Q12
Citi Holdings:
Local Consumer Lending - North America
Real Estate Lending	99.8			95.3			91.8			86.1			79.8		(7	)%	(20	)%
All Other	4.6			3.7			3.3			3.2			2.9		(9	)%	(37	)%
Personal	10.2			10.1			10.0			9.0			9.0		—		(12	)%
Total	$	114.6		$	109.1		$	105.1		$	98.3		$	91.7	(7	)%	(20	)%
Local Consumer Lending - International
Credit Cards	$	2.6		$	2.6		$	2.5		$	2.3		$	2.4	4	%	(8	)%
Retail Banking	6.7			6.2			5.1			4.3			3.8		(12	)%	(43	)%
Total	$	9.3		$	8.8		$	7.6		$	6.6		$	6.2	(6	)%	(33	)%
Citi Holdings - Other (Primarily SAP)	4.0			3.9			3.1			2.8			2.2		(21	)%	(45	)%
Total Citi Holdings	$	127.9		$	121.8		$	115.8		$	107.7		$	100.1	(7	)%	(22	)%
Total Citigroup	$	655.0		$	658.4		$	655.5		$	646.4		$	643.7	—		(2	)%
Consumer Loans	$	409.1		$	407.7		$	408.7		$	395.2		$	382.2	(3	)%	(7	)%
Corporate Loans	245.9			250.7			246.8			251.2			261.7		4	%	6	%
Total Citigroup	$	655.0		$	658.4		$	655.5		$	646.4		$	643.9	—		(2	)%
FX Translation Impact:
Total Citigroup EOP Loans - as Reported	$	655.0		$	658.4		$	655.5		$	646.4		$	643.9	—		(2	)%
Impact of FX Translation (1)	(4.1		)	(9.8		)	(9.5		)	(7.5		)	—
Total Citigroup EOP Loans - Ex-FX (2)	$	650.9		$	648.6		$	646.0		$	638.9		$	643.9	1	%	(1	)%

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

(1)Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2013 exchange rates for all periods presented.

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

Reclassified to conform to the current period’s presentation.

35

SUPPLEMENTAL DETAIL CONSUMER LOANS 90+DAYS DELINQUENCY AMOUNTS AND RATIOS BUSINESS VIEW (In millions of dollars, except EOP loan amounts in billions of dollars)

	Loans 90+ Days Past Due (1)															EOP Loans
	2Q			3Q			4Q			1Q			2Q			2Q
	2012			2012			2012			2013			2013			2013
Citicorp (2)
Total	$	3,090		$	3,024		$	3,081		$	2,941		$	2,644		$	283.7
Ratio	1.09		%	1.05		%	1.05		%	1.02		%	0.94		%
Retail Bank (2)
Total	$	869		$	882		$	879		$	863		$	849		$	145.2
Ratio	0.63		%	0.62		%	0.61		%	0.59		%	0.59		%
North America (2)	$	294		$	291		$	280		$	282		$	285		$	41.7
Ratio	0.74		%	0.72		%	0.68		%	0.68		%	0.71		%
EMEA	$	49		$	50		$	48		$	43		$	41		$	5.3
Ratio	1.07		%	1.02		%	0.94		%	0.83		%	0.77		%
Latin America	$	285		$	322		$	323		$	309		$	318		$	29.7
Ratio	1.10		%	1.17		%	1.14		%	1.02		%	1.07		%
Asia	$	241		$	219		$	228		$	229		$	205		$	68.5
Ratio	0.36		%	0.32		%	0.33		%	0.33		%	0.30		%
Cards
Total	$	2,221		$	2,142		$	2,202		$	2,078		$	1,795		$	138.5
Ratio	1.53		%	1.47		%	1.47		%	1.47		%	1.30		%
North America - Citi-Branded	$	830		$	760		$	786		$	732		$	663		$	69.3
Ratio	1.14		%	1.05		%	1.08		%	1.06		%	0.96		%
North America - Retail Services	$	721		$	716		$	721		$	651		$	556		$	36.0
Ratio	1.97		%	1.96		%	1.87		%	1.84		%	1.54		%
EMEA	$	43		$	45		$	48		$	45		$	44		$	2.8
Ratio	1.54		%	1.55		%	1.66		%	1.61		%	1.57		%
Latin America	$	405		$	401		$	413		$	418		$	323		$	11.5
Ratio	2.96		%	2.82		%	2.79		%	2.81		%	2.81		%
Asia	$	222		$	220		$	234		$	232		$	209		$	18.9
Ratio	1.13		%	1.10		%	1.15		%	1.20		%	1.11		%
Citi Holdings - Local Consumer Lending (2) (3)	$	5,354		$	4,974		$	4,611		$	3,678		$	3,207		$	97.9
Ratio	4.64		%	4.54		%	4.42		%	3.80		%	3.56		%
International	$	363		$	366		$	345		$	269		$	242		$	6.2
Ratio	3.90		%	4.16		%	4.54		%	4.08		%	3.90		%
North America (2) (3)	$	4,991		$	4,608		$	4,266		$	3,409		$	2,965		$	91.7
Ratio	4.71		%	4.58		%	4.41		%	3.78		%	3.53		%
Total Citigroup (excluding Special Asset Pool) (2) (3)	$	8,444		$	7,998		$	7,692		$	6,619		$	5,851		$	381.6
Ratio	2.12		%	2.01		%	1.93		%	1.72		%	1.57		%

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

(2)The 90+ Days Past Due and related ratios for North America Consumer Banking and North America Local Consumer Lending excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies. See North America Consumer Banking on page 10 and Local Consumer Lending on page 30.

(3)The June 30, 2012, September 30, 2012, December 31, 2012, March 31, 2013 and June 30, 2013 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes $1.2 billion, $1.2 billion, $1.2 billion, $1.2 billion and $1.0 billion, respectively, of loans that are carried at fair value.

Reclassified to conform to the current period’s presentation

36

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

	Loans 30-89 Days Past Due (1)															EOP Loans
	2Q			3Q			4Q			1Q			2Q			2Q
	2012			2012			2012			2013			2013			2013
Citicorp (2)
Total	$	3,449		$	3,539		$	3,509		$	3,389		$	2,967		$	283.7
Ratio	1.22		%	1.23		%	1.19		%	1.18		%	1.05		%
Retail Bank (2)
Total	$	1,049		$	1,154		$	1,112		$	1,191		$	1,085		$	145.2
Ratio	0.76		%	0.81		%	0.77		%	0.81		%	0.75		%
North America (2)	$	215		$	230		$	223		$	226		$	217		$	41.7
Ratio	0.54		%	0.57		%	0.54		%	0.54		%	0.54		%
EMEA	$	78		$	79		$	77		$	70		$	68		$	5.3
Ratio	1.70		%	1.61		%	1.51		%	1.35		%	1.28		%
Latin America	$	316		$	412		$	353		$	427		$	368		$	29.7
Ratio	1.22		%	1.50		%	1.25		%	1.41		%	1.24		%
Asia	$	440		$	433		$	459		$	468		$	432		$	68.5
Ratio	0.65		%	0.62		%	0.66		%	0.67		%	0.63		%
Cards
Total	$	2,400		$	2,385		$	2,397		$	2,198		$	1,882		$	138.5
Ratio	1.65		%	1.63		%	1.60		%	1.55		%	1.36		%
North America - Citi-Branded	$	744		$	744		$	771		$	679		$	588		$	69.3
Ratio	1.02		%	1.03		%	1.06		%	0.98		%	0.85		%
North America - Retail Services	$	852		$	823		$	789		$	685		$	615		$	36.0
Ratio	2.33		%	2.25		%	2.04		%	1.94		%	1.71		%
EMEA	$	61		$	68		$	63		$	60		$	57		$	2.8
Ratio	2.18		%	2.34		%	2.17		%	2.14		%	2.04		%
Latin America	$	428		$	416		$	432		$	449		$	335		$	11.5
Ratio	3.12		%	2.93		%	2.92		%	3.01		%	2.91		%
Asia	$	315		$	334		$	342		$	325		$	287		$	18.9
Ratio	1.61		%	1.67		%	1.68		%	1.68		%	1.52		%
Citi Holdings - Local Consumer Lending (2) (3)	$	4,614		$	4,753		$	4,228		$	3,407		$	3,151		$	97.9
Ratio	4.00		%	4.34		%	4.05		%	3.52		%	3.50		%
International	$	453		$	436		$	393		$	286		$	255		$	6.2
Ratio	4.87		%	4.95		%	5.17		%	4.33		%	4.11		%
North America (2) (3)	$	4,161		$	4,317		$	3,835		$	3,121		$	2,896		$	91.7
Ratio	3.93		%	4.29		%	3.96		%	3.46		%	3.45		%
Total Citigroup (excluding Special Asset Pool) (2) (3)	$	8,063		$	8,292		$	7,737		$	6,796		$	6,118		$	381.6
Ratio	2.02		%	2.09		%	1.94		%	1.76		%	1.65		%

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

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

(3)The June 30, 2012, September 30, 2012, December 31, 2012, March 31, 2013 and June 30, 2013 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes $1.2 billion, $1.2 billion, $1.2 billion, $1.2 billion and $1.0 billion, respectively, of loans that are carried at fair value.

Reclassified to conform to the current period’s presentation

37

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

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Total Citigroup
Allowance for Loan Losses at Beginning of Period (1)	$	29,020		$	27,611		$	25,916		$	25,455		$	23,727						$	30,115		$	25,455
Gross Credit (Losses) (2)	(4,205		)	(4,516		)	(3,640		)	(3,444		)	(3,257		)	5	%	23	%	(8,849		)	(6,701		)	24	%
Gross Recoveries	714			619			655			566			649			15	%	(9	)%	1,500			1,215			(19	)%
Net Credit (Losses) / Recoveries (NCLs)	(3,491		)	(3,897		)	(2,985		)	(2,878		)	(2,608		)	9	%	25	%	(7,349		)	(5,486		)	25	%
NCLs (2)	3,491			3,897			2,985			2,878			2,608			(9	)%	(25	)%	7,349			5,486			(25	)%
Net Reserve Builds / (Releases) (2) (3)	(641		)	(860		)	(193		)	(306		)	(642		)	NM		—		(855		)	(948		)	(11	)%
Net Specific Reserve Builds / (Releases) (2)	(375		)	(601		)	46			(358		)	(139		)	61	%	63	%	(1,310		)	(497		)	62	%
Provision for Loan Losses	2,475			2,436			2,838			2,214			1,827			(17	)%	(26	)%	5,184			4,041			(22	)%
Other (4) (5) (6) (7) (8) (9)	(393		)	(234		)	(314		)	(1,064		)	(1,366		)					(339		)	(2,430		)
Allowance for Loan Losses at End of Period (1) (a)	$	27,611		$	25,916		$	25,455		$	23,727		$	21,580						$	27,611		$	21,580
Allowance for Unfunded Lending Commitments (10) (a)	$	1,104		$	1,063		$	1,119		$	1,132		$	1,133						$	1,104		$	1,133
Provision for Unfunded Lending Commitments	$	7		$	(41	)	$	56		$	14		$	(3	)					$	(31	)	$	11
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	28,715		$	26,979		$	26,574		$	24,859		$	22,713						$	28,715		$	22,713
Total Allowance for Loan Losses as a Percentage of Total Loans (11)	4.25		%	3.97		%	3.92		%	3.70		%	3.38		%
Allowance for Loan Losses at End of Period (1):
Citicorp	$	15,387		$	14,828		$	14,623		$	14,330		$	13,425
Citi Holdings	12,224			11,088			10,832			9,397			8,155
Total Citigroup	$	27,611		$	25,916		$	25,455		$	23,727		$	21,580

(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 2012 includes approximately $635 million of incremental charge-offs related to Office of the Comptroller of the Currency (OCC) guidance which required mortgage loans to borrowers that have gone through Chapter 7 of the U.S. Bankruptcy Code to be written down to collateral value. There was a corresponding approximate $600 million release in the third quarter of 2012 allowance for loan losses related to these charge-offs. The fourth quarter of 2012 includes a benefit of approximately $40 million to charge offs related to finalizing the impact of this OCC guidance.
(3)	The second quarter of 2012, third quarter of 2012, fourth quarter of 2012, first quarter of 2013 and second quarter of 2013 includes $73 million, $32 million, $100 million, $148 million and $124 million, respectively, of builds (releases) related to gains/(losses) on loan sales.
(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 second quarter of 2012 includes a reduction of approximately $175 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of approximately $200 million related to foreign currency translation.
(6)	The third quarter of 2012 includes a reduction of approximately $300 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.
(7)	The fourth quarter of 2012 includes a reduction of approximately $255 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.
(8)	The first quarter of 2013 includes a reduction of approximately $855 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of approximately $165 million related to a transfer to held-for-sale of a loan portfolio in Greece.
(9)	The second quarter of 2013 includes a reduction of approximately $650 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of approximately $360 million related to the Brazil Credicard transfer to Assets of Discontinued Operations, held for sale. Additionally, a reduction of approximately $90 million related to a transfer to held-for-sale of a loan portfolio in Greece and a reduction of approximately $220 miilion related to foreign currency translation.
(10)	Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.
(11)	June 30, 2012, September 30, 2012, December 31, 2012, March 31, 2013 and June 30, 2013 exclude $5.1 billion, $5.4 billion, $5.3 billion, $5.0 billion and $4.9 billion, respectively, of loans which are carried at fair value. NM Not meaningful Reclassified to conform to the current period’s presentation.

38

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

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Total Citigroup Consumer Loans
Allowance for Loan Losses at Beginning of Period (1)	$	25,963		$	24,639		$	23,099		$	22,679		$	20,948						$	27,236		$	22,679
Net Credit (Losses) / Recoveries (NCLs)	(3,337		)	(3,780		)	(2,950		)	(2,833		)	(2,563		)	10	%	23	%	(7,278		)	(5,396		)	26	%
NCLs (2)	3,337			3,780			2,950			2,833			2,563			(10	)%	(23	)%	7,278			5,396			(26	)%
Net Reserve Builds / (Releases) (2) (3)	(564		)	(861		)	(117		)	(275		)	(544		)	(98	)%	4	%	(932		)	(819		)	12	%
Net Specific Reserve Builds / (Releases) (2)	(384		)	(426		)	14			(400		)	(169		)	58	%	56	%	(1,315		)	(569		)	57	%
Provision for Loan Losses	2,389			2,493			2,847			2,158			1,850			(14	)%	(23	)%	5,031			4,008			(20	)%
Other (4) (5) (6) (7) (8) (9)	(376		)	(253		)	(317		)	(1,056		)	(1,363		)	NM		NM		(350		)	(2,419		)	NM
Allowance for Loan Losses at End of Period (1) (a)	$	24,639		$	23,099		$	22,679		$	20,948		$	18,872						$	24,639		$	18,872
Consumer Allowance for Unfunded Lending Commitments (10) (a)	$	2		$	1		$	2		$	15		$	27						$	2		$	27
Provision for Unfunded Lending Commitments	$	—		$	(1	)	$	—		$	15		$	8						$	—		$	23
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	24,641		$	23,100		$	22,681		$	20,963		$	18,899						$	24,641		$	18,899
Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans (11)	6.04		%	5.68		%	5.57		%	5.32		%	4.95		%
Total Citigroup Corporate Loans
Allowance for Loan Losses at Beginning of Period	$	3,057		$	2,972		$	2,817		$	2,776		$	2,779						$	2,879		$	2,776
Net Credit (Losses) / Recoveries (NCL’s)	(154		)	(117		)	(35		)	(45		)	(45		)	—		71	%	(71		)	(90		)	(27	)%
NCLs	154			117			35			45			45			—		(71	)%	71			90			27	%
Net Reserve Builds / (Releases)	(77		)	1			(76		)	(31		)	(98		)	NM		(27	)%	77			(129		)	NM
Net Specific Reserve Builds / (Releases)	9			(175		)	32			42			30			(29	)%	NM		5			72			NM
Provision for Loan Losses	86			(57		)	(9		)	56			(23		)	NM		NM		153			33			(78	)%
Other (5)	(17		)	19			3			(8		)	(3		)					11			(11		)
Allowance for Loan Losses at End of Period (1) (b)	$	2,972		$	2,817		$	2,776		$	2,779		$	2,708						$	2,972		$	2,708
Corporate Allowance for Unfunded Lending Commitments (10) (b)	$	1,102		$	1,062		$	1,117		$	1,117		$	1,106						$	1,102		$	1,106
Provision for Unfunded Lending Commitments	$	7		$	(40	)	$	56		$	(1	)	$	(11	)					$	(31	)	$	(12	)
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (b)]	$	4,074		$	3,879		$	3,893		$	3,896		$	3,814						$	4,074		$	3,814
Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans (12)	1.23		%	1.14		%	1.14		%	1.12		%	1.05		%

Notes to these tables are on the following page (page 40).

39

ALLOWANCE FOR CREDIT LOSSES - PAGE 3 TOTAL CITIGROUP

The following notes relate to the tables on the prior page (page 39).

(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)	See Footnote (2) on page 38.
(3)	The second quarter of 2012, third quarter of 2012, fourth quarter of 2012, first quarter of 2013 and second quarter of 2013 includes $73 million, $32 million, $100 million, $148 million and $124 million, respectively, of builds (releases) related to gains/(losses) on loan sales.
(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 second quarter of 2012 includes a reduction of approximately $175 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of approximately $203 million related to foreign currency translation.
(6)	The third quarter of 2012 includes a reduction of approximately $300 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.
(7)	The fourth quarter of 2012 includes a reduction of approximately $255 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.
(8)	The first quarter of 2013 includes a reduction of approximately $855 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of approximately $165 million related to a transfer to held-for-sale of a loan portfolio in Greece.
(9)	The second quarter of 2013 includes a reduction of approximately $650 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a reduction of approximately $360 million related to the Brazil Credicard transfer to Assets of Discontinued Operations, held for sale. Additionally, a reduction of approximately $90 million related to a transfer to held-for-sale of a loan portfolio in Greece and a reduction of approximately $220 miilion related to foreign currency translation.
(10)	Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.
(11)	June 30, 2012, September 30, 2012, December 31, 2012, March 31, 2013 and June 30, 2013 exclude $1.3 billion, $1.3 billion, $1.2 billion, $1.2 billion and $1.0 billion, respectively, of Loans which are carried at fair value.
(12)	June 30, 2012, September 30, 2012, December 31, 2012, March 31, 2013 and June 30, 2013 exclude $3.8 billion, $4.1 billion, $4.1 billion, $3.8 billion and $3.8 billion, respectively, of loans which are carried at fair value.
NM Not meaningful
Reclassified to conform to the current period’s presentation.

40

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

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Citicorp
Net Credit Losses	$	2,162		$	2,090		$	2,013		$	1,948		$	1,838		(6	)%	(15	)%	$	4,286		$	3,786		(12	)%
Credit Reserve Build / (Release)	(766		)	(664		)	(193		)	(317		)	(301		)	5	%	61	%	(1,365		)	(618		)	55	%
Global Consumer Banking
Net Credit Losses	2,039			1,948			1,939			1,909			1,785			(6	)%	(12	)%	4,220			3,694			(12	)%
Credit Reserve Build / (Release)	(753		)	(515		)	(152		)	(340		)	(237		)	30	%	69	%	(1,509		)	(577		)	62	%
North America Regional Consumer Banking
Net Credit Losses	1,511			1,351			1,265			1,255			1,190			(5	)%	(21	)%	3,140			2,445			(22	)%
Credit Reserve Build / (Release)	(814		)	(519		)	(215		)	(370		)	(351		)	5	%	57	%	(1,655		)	(721		)	56	%
Retail Banking
Net Credit Losses	62			72			51			55			44			(20	)%	(29	)%	124			99			(20	)%
Credit Reserve Build / (Release)	(5		)	37			45			(9		)	(2		)	78	%	60	%	(7		)	(11		)	(57	)%
Citi-Branded Cards
Net Credit Losses	840			745			700			692			665			(4	)%	(21	)%	1,742			1,357			(22	)%
Credit Reserve Build / (Release)	(405		)	(403		)	(240		)	(128		)	(176		)	(38	)%	57	%	(954		)	(304		)	68	%
Citi Retail Services
Net Credit Losses	609			534			514			508			481			(5	)%	(21	)%	1,274			989			(22	)%
Credit Reserve Build / (Release)	(404		)	(153		)	(20		)	(233		)	(173		)	26	%	57	%	(694		)	(406		)	41	%
EMEA Regional Consumer Banking
Net Credit Losses	14			29			33			29			(1		)	NM		NM		43			28			(35	)%
Credit Reserve Build / (Release)	(13		)	2			11			(11		)	(9		)	18	%	31	%	(18		)	(20		)	(11	)%
Retail Banking
Net Credit Losses	7			12			15			9			(2		)	NM		NM		19			7			(63	)%
Credit Reserve Build / (Release)	(9		)	—			5			(10		)	(5		)	50	%	44	%	(7		)	(15		)	NM
Citi-Branded Cards
Net Credit Losses	7			17			18			20			1			(95	)%	(86	)%	24			21			(13	)%
Credit Reserve Build / (Release)	(4		)	2			6			(1		)	(4		)	NM		0	%	(11		)	(5		)	55	%
Latin America Regional Consumer Banking
Net Credit Losses	315			351			406			419			416			(1	)%	32	%	648			835			29	%
Credit Reserve Build / (Release)	95			36			32			38			104			NM		9	%	186			142			(24	)%
Retail Banking
Net Credit Losses	135			160			210			207			204			(1	)%	51	%	278			411			48	%
Credit Reserve Build / (Release)	75			37			27			9			80			NM		7	%	162			89			(45	)%
Citi-Branded Cards
Net Credit Losses	180			191			196			212			212			0	%	18	%	370			424			15	%
Credit Reserve Build / (Release)	20			(1		)	5			29			24			(17	)%	20	%	24			53			NM
Asia Regional Consumer Banking
Net Credit Losses	199			217			235			206			180			(13	)%	(10	)%	389			386			(1	)%
Credit Reserve Build / (Release)	(21		)	(34		)	20			3			19			NM		NM		(22		)	22			NM
Retail Banking
Net Credit Losses	72			81			99			67			53			(21	)%	(26	)%	137			120			(12	)%
Credit Reserve Build / (Release)	4			(36		)	(3		)	—			42			—		NM		16			42			NM
Citi-Branded Cards
Net Credit Losses	127			136			136			139			127			(9	)%	0	%	252			266			6	%
Credit Reserve Build / (Release)	(25		)	2			23			3			(23		)	NM		8	%	(38		)	(20		)	47	%
Institutional Clients Group (ICG)
Net Credit Losses	122			143			75			39			53			36	%	(57	)%	64			92			44	%
Credit Reserve Build / (Release)	(13		)	(149		)	(41		)	23			(64		)	NM		NM		145			(41		)	NM
Securities and Banking
Net Credit Losses	97			56			75			35			37			6	%	(62	)%	37			72			95	%
Credit Reserve Build / (Release)	(64		)	(103		)	(47		)	34			(97		)	NM		(52	)%	71			(63		)	NM
Transaction Services
Net Credit Losses	25			87			—			4			16			NM		(36	)%	27			20			(26	)%
Credit Reserve Build / (Release)	51			(46		)	6			(11		)	33			NM		(35	)%	74			22			(70	)%
Corporate / Other
Net Credit Losses	1			(1		)	(1		)	—			—			—		(100	)%	2			—			(100	)%
Credit Reserve Build / (Release)	—			—			—			—			—			—		—		(1		)	—			100	%
Total Citicorp Provision for Loan Losses	$	1,396		$	1,426		$	1,820		$	1,631		$	1,537		(6	)%	10	%	$	2,921		$	3,168		8	%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

41

COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 2 CITI HOLDINGS / TOTAL CITIGROUP (In millions of dollars)

																2Q13 Increase				Six			Six			YTD 2013 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2012 Increase/
	2012			2012			2012			2013			2013			1Q13		2Q12		2012			2013			(Decrease)
Citi Holdings
Net Credit Losses	$	1,329		$	1,807		$	972		$	930		$	770		(17	)%	(42	)%	$	3,063		$	1,700		(44	)%
Credit Reserve Build / (Release)	(250		)	(797		)	46			(347		)	(480		)	(38	)%	(92	)%	(800		)	(827		)	(3	)%
Brokerage and Asset Management
Net Credit Losses	—			—			—			—			—			—		—		—			—			—
Credit Reserve Build / (Release)	—			—			—			—			—			—		—		(1		)	—			100	%
Local Consumer Lending
Net Credit Losses	1,289			1,824			1,005			920			775			(16	)%	(40	)%	3,041			1,695			(44	)%
Credit Reserve Build / (Release)	(186		)	(760		)	56			(325		)	(475		)	(46	)%	NM		(706		)	(800		)	(13	)%
Special Asset Pool
Net Credit Losses	40			(17		)	(33		)	10			(5		)	NM		NM		22			5			(77	)%
Credit Reserve Build / (Release)	(64		)	(37		)	(10		)	(22		)	(5		)	77	%	92	%	(93		)	(27		)	71	%
Total Citi Holdings Provision for Loan Losses	$	1,079		$	1,010		$	1,018		$	583		$	290		(50	)%	(73	)%	$	2,263		$	873		(61	)%
Total Citicorp Provision for Loan Losses (from prior page)	$	1,396		$	1,426		$	1,820		$	1,631		$	1,537		(6	)%	10	%	$	2,921		$	3,168		8	%
Total Citigroup Provision for Loan Losses	$	2,475		$	2,436		$	2,838		$	2,214		$	1,827		(17	)%	(26	)%	$	5,184		$	4,041		(22	)%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

42

NON-ACCRUAL ASSETS - PAGE 1 TOTAL CITIGROUP (In millions of dollars)

																2Q13 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2012			2012			2012			2013			2013			1Q13		2Q12
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	724		$	900		$	735		$	1,007		$	811		(19	)%	12	%
EMEA	1,169			1,054			1,131			1,077			972			(10	)%	(17	)%
Latin America	209			151			128			116			91			(22	)%	(56	)%
Asia	469			324			339			304			270			(11	)%	(42	)%
Total	$	2,571		$	2,429		$	2,333		$	2,504		$	2,144		(14	)%	(17	)%
Consumer Non-Accrual Loans By Region (2)
North America (3)	$	6,403		$	7,698		$	7,148		$	6,171		$	5,568		(10	)%	(13	)%
EMEA	371			379			380			263			234			(11	)%	(37	)%
Latin America	1,158			1,275			1,285			1,313			1,430			9	%	23	%
Asia	414			409			383			402			330			(18	)%	(20	)%
Total (3)	$	8,346		$	9,761		$	9,196		$	8,149		$	7,562		(7	)%	(9	)%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
ICG	$	12		$	9		$	7		$	2		$	4		100	%	(67	)%
Global Consumer Banking	35			38			40			41			39			(5	)%	11	%
Brokerage and Asset Management	—			—			—			—			—			—		—
Local Consumer Lending	329			326			309			294			275			(6	)%	(16	)%
Special Asset Pool	155			91			82			69			64			(7	)%	(59	)%
Corporate/Other	10			10			2			6			9			50	%	(10	)%
TOTAL OTHER REAL ESTATE OWNED (OREO) (4)	$	541		$	474		$	440		$	412		$	391		(5	)%	(28	)%
OREO By Region:
North America	$	366		$	315		$	299		$	286		$	267		(7	)%	(27	)%
EMEA	127			111			99			85			76			(11	)%	(40	)%
Latin America	48			48			40			39			46			18	%	(4	)%
Asia	—			—			2			2			2			—		—
Total	$	541		$	474		$	440		$	412		$	391		(5	)%	(28	)%
Other Repossessed Assets (5)	$	2		$	1		$	1		$	1		$	—		(100	)%	(100	)%
Non-Accrual Assets (NAA) (6)
Corporate Non-Accrual Loans	$	2,571		$	2,429		$	2,333		$	2,504		$	2,144		(14	)%	(17	)%
Consumer Non-Accrual Loans	8,346			9,761			9,196			8,149			7,562			(7	)%	(9	)%
Non-Accrual Loans (NAL)	10,917			12,190			11,529			10,653			9,706			(9	)%	(11	)%
OREO	541			474			440			412			391			(5	)%	(28	)%
Other Repossessed Assets	2			1			1			1			—			—		—
Non-Accrual Assets (NAA)	$	11,460		$	12,665		$	11,970		$	11,066		$	10,097		(9	)%	(12	)%
NAL as a % of Total Loans	1.67		%	1.85		%	1.76		%	1.65		%	1.51		%
NAA as a % of Total Assets	0.60		%	0.66		%	0.64		%	0.59		%	0.54		%
Allowance for Loan Losses as a % of NAL	253		%	213		%	221		%	223		%	222		%

(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)	The third quarter of 2012 includes an approximate $1.5 billion in loans that are now classified as non-accrual loans related to OCC guidance which required mortgage loans to borrowers that have gone through Chapter 7 of the U.S. Bankruptcy Code to be written down to collateral value. Of the $1.5 billion of such non-accrual loans, $1.3 billion was current as of September 30, 2012. See Footnote 2 on page 38.
(4)	Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral.
(5)	Primarily transportation equipment, carried at lower of cost or fair value, less costs to sell.
(6)	There is no industry-wide definition of non-accrual assets. As such, analysis against the industry is not always comparable.

Reclassified to conform to the current period’s presentation.

43

NON-ACCRUAL ASSETS - PAGE 2 CITICORP (In millions of dollars)

																2Q13 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2012			2012			2012			2013			2013			1Q13		2Q12
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	569		$	758		$	644		$	797		$	731		(8	)%	28	%
EMEA	804			718			806			765			658			(14	)%	(18	)%
Latin America	193			147			126			114			90			(21	)%	(53	)%
Asia	448			305			333			299			249			(17	)%	(44	)%
Total	$	2,014		$	1,928		$	1,909		$	1,975		$	1,728		(13	)%	(14	)%
Consumer Non-Accrual Loans By Region (2)													��
North America	$	450		$	507		$	523		$	530		$	502		(5	)%	12	%
EMEA	88			98			101			93			91			(2	)%	3	%
Latin America	1,110			1,228			1,244			1,274			1,391			9	%	25	%
Asia	338			329			319			363			299			(18	)%	(12	)%
Total	$	1,986		$	2,162		$	2,187		$	2,260		$	2,283		1	%	15	%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
ICG	$	12		$	9		$	7		$	2		$	4		100	%	(67	)%
Global Consumer Banking	35			38			40			41			39			(5	)%	11	%
Corporate/Other	10			10			2			6			9			50	%	(10	)%
TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	57		$	57		$	49		$	49		$	52		6	%	(9	)%
OREO By Region:
North America	$	22		$	23		$	18		$	15		$	13		(13	)%	(41	)%
EMEA	9			6			6			6			5			(17	)%	(44	)%
Latin America	26			28			23			26			32			23	%	23	%
Asia	—			—			2			2			2			—		—
Total	$	57		$	57		$	49		$	49		$	52		6	%	(9	)%
Other Repossessed Assets (4)	N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	2,014		$	1,928		$	1,909		$	1,975		$	1,728		(13	)%	(14	)%
Consumer Non-Accrual Loans	1,986			2,162			2,187			2,260			2,283			1	%	15	%
Non-Accrual Loans (NAL)	4,000			4,090			4,096			4,235			4,011			(5	)%	—
OREO	57			57			49			49			52			6	%	(9	)%
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	4,057		$	4,147		$	4,145		$	4,284		$	4,063		(5	)%	—
NAA as a % of Total Assets	0.24		%	0.24		%	0.24		%	0.25		%	0.23		%
Allowance for Loan Losses as a % of NAL	385		%	363		%	357		%	338		%	335		%

N/A Not Available at the Citicorp level.  See “Non-Accrual Assets -  Page 1” (on page 43) 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.

Reclassified to conform to the current period’s presentation.

44

NON-ACCRUAL ASSETS - PAGE 3 CITI HOLDINGS (In millions of dollars)

																2Q13 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2012			2012			2012			2013			2013			1Q13		2Q12
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	155		$	142		$	91		$	210		$	80		(62	)%	(48	)%
EMEA	365			336			325			312			314			1	%	(14	)%
Latin America	16			4			2			2			1			(50	)%	(94	)%
Asia	21			19			6			5			21			NM		—
Total	$	557		$	501		$	424		$	529		$	416		(21	)%	(25	)%
Consumer Non-Accrual Loans By Region (2)
North America (3)	$	5,953		$	7,191		$	6,625		$	5,641		$	5,066		(10	)%	(15	)%
EMEA	283			281			279			170			143			(16	)%	(49	)%
Latin America	48			47			41			39			39			0	%	(19	)%
Asia	76			80			64			39			31			(21	)%	(59	)%
Total (3)	$	6,360		$	7,599		$	7,009		$	5,889		$	5,279		(10	)%	(17	)%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
Brokerage and Asset Management	$	—		$	—		$	—		$	—		$	—		—		—
Local Consumer Lending	329			326			309			294			275			(6	)%	(16	)%
Special Asset Pool	155			91			82			69			64			(7	)%	(59	)%
TOTAL OTHER REAL ESTATE OWNED (OREO) (4)	$	484		$	417		$	391		$	363		$	339		(7	)%	(30	)%
OREO By Region:
North America	$	344		$	292		$	281		$	271		$	254		(6	)%	(26	)%
EMEA	118			105			93			79			71			(10	)%	(40	)%
Latin America	22			20			17			13			14			8	%	(36	)%
Asia	—			—						—			—			—		—
Total	$	484		$	417		$	391		$	363		$	339		(7	)%	(30	)%
Other Repossessed Assets (5)	N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA) (6)
Corporate Non-Accrual Loans	$	557		$	501		$	424		$	529		$	416		(21	)%	(25	)%
Consumer Non-Accrual Loans	6,360			7,599			7,009			5,889			5,279			(10	)%	(17	)%
Non-Accrual Loans (NAL)	6,917			8,100			7,433			6,418			5,695			(11	)%	(18	)%
OREO	484			417			391			363			339			(7	)%	(30	)%
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	7,401		$	8,517		$	7,824		$	6,781		$	6,034		(11	)%	(18	)%
NAA as a % of Total Assets	3.87		%	4.98		%	5.02		%	4.55		%	4.61		%
Allowance for Loan Losses as a % of NAL	177		%	137		%	146		%	146		%	143		%

N/A Not Available at the Citi Holdings level.  See “Non-Accrual Assets -  Page 1” (on page 43) 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)See Footnote 3 on page 43.

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

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

(6)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.

45

CITIGROUP

NON-GAAP FINANCIAL MEASURES — RECONCILIATIONS

(In millions of dollars)

Tangible Book Value Per Share and Tangible Common Equity (TCE) (and related ratios) 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:

	2Q		3Q		4Q		1Q		2Q
	2012		2012		2012		2013		2013
Tangible Book Value Per Share (page 1):
Total Common Equity	$	183,599	$	186,465	$	186,487	$	190,222	$	191,633
Less:
Goodwill	25,483		25,915		25,673		25,474		24,958
Intangible Assets (Other than MSRs)	6,156		5,963		5,697		5,457		4,981
Goodwill and Intangible Assets (other than MSRs)
Related to Assets For Discontinued Operations Held-for-Sale	—		37		32		2		205
Net Deferred Taxes - Related to Goodwill and Intangible Assets Above	38		35		32		—		—
Tangible Common Equity	$	151,922	$	154,515	$	155,053	$	159,289	$	161,489
Common Shares Outstanding, at period end	2,932.5		2,932.5		3,028.9		3,042.9		3,041.0
Tangible Book Value Per Share	$	51.81	$	52.69	$	51.19	$	52.35	$	53.10

Reclassified to conform to the current period’s presentation.

46