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

Exhibit 99.1

*** 3/31/14 - 5:45pm  ***
CITIGROUP -  QUARTERLY FINANCIAL DATA SUPPLEMENT	4Q13 - HISTORICAL

	Page
Citigroup Consolidated
Financial Summary	1
Consolidated Statement of Income	2
Consolidated Balance Sheet	3
Segment Detail
Net Revenues	4
Income	5
Citicorp
Income Statement and Balance Sheet Data	6
Global Consumer Banking	7 - 8
North America	9 - 11
EMEA	12 - 13
Latin America	14 - 15
Asia	16 - 17
Institutional Clients Group (ICG)	18
Revenues by Business	19
Corporate / Other	20
Regional Totals
North America	21
EMEA	22
Latin America	23
Asia	24
Citi Holdings
Income Statement and Balance Sheet Data	25
Consumer Key Indicators	26 - 27
Citigroup Supplemental Detail
Average Balances and Interest Rates	28
Deposits	29
Loans
Citicorp	30
Citi Holdings / Total Citigroup	31
Consumer Loan Delinquency Amounts and Ratios
90+ Days	32
30-89 Days	33
Allowance for Credit Losses
Total Citigroup	34
Consumer and Corporate	35 - 36
Components of Provision for Loan Losses
Citicorp	37
Citi Holdings / Total Citigroup	38
Non-Accrual Assets
Total Citigroup	39
Citicorp	40
Citi Holdings	41
Reconciliation of Non-GAAP Financial Measures	42

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

																																																	Full			Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013			2010			2011			2012			2013
Total Revenues, Net of Interest Expense	$	25,250		$	21,881		$	20,520		$	18,098		$	19,457		$	20,359		$	20,524		$	16,921		$	19,157		$	18,386		$	13,706		$	17,941		$	20,248		$	20,488		$	17,904		$	17,779		$	85,749		$	77,261		$	69,190		$	76,419
Total Operating Expenses	11,407			11,748			11,379			12,290			12,122			12,745			12,257			13,056			12,215			11,993			12,095			13,733			12,288			12,149			11,679			12,292			46,824			50,180			50,036			48,408
Net Credit Losses	8,322			7,908			7,600			6,793			6,195			5,049			4,420			4,023			3,858			3,491			3,897			2,985			2,878			2,608			2,430			2,547			30,623			19,687			14,231			10,463
Credit Reserve Build / (Release)	(25		)	(1,439		)	(1,971		)	(2,227		)	(3,382		)	(1,980		)	(1,484		)	(1,505		)	(1,149		)	(1,016		)	(1,461		)	(147		)	(664		)	(781		)	(778		)	(636		)	(5,662		)	(8,351		)	(3,773		)	(2,859		)
Provision for Unfunded Lending Commitments	(35		)	(71		)	26			(37		)	25			(13		)	43			(4		)	(38		)	7			(41		)	56			14			(3		)	103			(34		)	(117		)	51			(16		)	80
Provision for Benefits & Claims	287			213			227			238			260			219			259			234			229			214			225			219			231			200			204			195			965			972			887			830
Provision for Credit Losses and for Benefits and Claims	8,549			6,611			5,882			4,767			3,098			3,275			3,238			2,748			2,900			2,696			2,620			3,113			2,459			2,024			1,959			2,072			25,809			12,359			11,329			8,514
Income from Continuing Operations before Income Taxes	5,294			3,522			3,259			1,041			4,237			4,339			5,029			1,117			4,042			3,697			(1,009		)	1,095			5,501			6,315			4,266			3,415			13,116			14,722			7,825			19,497
Income Taxes (benefits)	1,041			807			686			(317		)	1,198			986			1,286			105			997			718			(1,494		)	(214		)	1,570			2,127			1,080			1,090			2,217			3,575			7			5,867
Income from Continuing Operations	$	4,253		$	2,715		$	2,573		$	1,358		$	3,039		$	3,353		$	3,743		$	1,012		$	3,045		$	2,979		$	485		$	1,309		$	3,931		$	4,188		$	3,186		$	2,325		$	10,899		$	11,147		$	7,818		$	13,630
Income (Loss) from Discontinued Operations, net of Taxes	207			10			(346		)	113			32			50			—			(14		)	12			7			8			(85		)	(33		)	30			92			181			(16		)	68			(58		)	270
Net Income before Noncontrolling Interests	4,460			2,725			2,227			1,471			3,071			3,403			3,743			998			3,057			2,986			493			1,224			3,898			4,218			3,278			2,506			10,883			11,215			7,760			13,900
Net Income Attributable to Noncontrolling Interests	32			28			59			162			72			62			(28		)	42			126			40			25			28			90			36			51			50			281			148			219			227
Citigroup’s Net Income	$	4,428		$	2,697		$	2,168		$	1,309		$	2,999		$	3,341		$	3,771		$	956		$	2,931		$	2,946		$	468		$	1,196		$	3,808		$	4,182		$	3,227		$	2,456		$	10,602		$	11,067		$	7,541		$	13,673
Diluted Earnings Per Share:
Income from Continuing Operations	$	1.43		$	0.89		$	0.82		$	0.40		$	0.98		$	1.08		$	1.23		$	0.32		$	0.95		$	0.95		$	0.15		$	0.41		$	1.24		$	1.33		$	0.98		$	0.71		$	3.53		$	3.60		$	2.46		$	4.26
Citigroup’s Net Income	$	1.50		$	0.90		$	0.72		$	0.43		$	0.99		$	1.09		$	1.23		$	0.31		$	0.95		$	0.95		$	0.15		$	0.38		$	1.23		$	1.34		$	1.00		$	0.77		$	3.54		$	3.63		$	2.44		$	4.35
Shares (in millions):
Average Basic	2,844.4			2,884.9			2,887.8			2,893.3			2,904.4			2,908.6			2,910.8			2,915.2			2,926.2			2,926.6			2,926.8			2,942.7			3,040.1			3,040.7			3,034.3			3,028.0			2,877.6			2,909.8			2,930.6			3,035.8
Average Diluted	2,933.4			2,975.3			2,977.8			2,984.8			2,996.6			2,997.0			2,998.6			3,003.0			3,014.5			3,015.0			3,015.3			3,017.0			3,044.7			3,046.3			3,040.9			3,034.6			2,967.8			2,998.8			3,015.5			3,041.6
Common Shares Outstanding, at period end	2,862.0			2,897.5			2,905.0			2,905.8			2,920.6			2,917.9			2,923.7			2,923.9			2,932.2			2,932.5			2,932.5			3,028.9			3,042.9			3,041.0			3,033.0			3,029.2			2,905.8			2,923.9			3,028.9			3,029.2
Preferred Dividends - Basic	$	—		$	—		$	—		$	9		$	4		$	9		$	4		$	9		$	4		$	9		$	4		$	9		$	4		$	9		$	110		$	71		$	9		$	26		$	26		$	194
Preferred Dividends - Diluted	$	—		$	—		$	—		$	9		$	4		$	9		$	4		$	9		$	4		$	9		$	4		$	9		$	4		$	9		$	110		$	71		$	9		$	26		$	26		$	194
Income Allocated to Unrestricted Common Shareholders - Basic
Income from Continuing Operations	$	4,194		$	2,661		$	2,440		$	1,179		$	2,928		$	3,221		$	3,697		$	943		$	2,861		$	2,861		$	445		$	1,243		$	3,764		$	4,061		$	2,965		$	2,161		$	10,471		$	10,789		$	7,406		$	12,951
Citigroup’s Net Income	$	4,400		$	2,671		$	2,148		$	1,288		$	2,960		$	3,270		$	3,697		$	930		$	2,873		$	2,868		$	453		$	1,160		$	3,732		$	4,090		$	3,056		$	2,338		$	10,503		$	10,855		$	7,349		$	13,217
Income Allocated to Unrestricted Common Shareholders - Diluted
Income from Continuing Operations	$	4,195		$	2,662		$	2,441		$	1,180		$	2,929		$	3,227		$	3,703		$	947		$	2,865		$	2,865		$	447		$	1,244		$	3,765		$	4,061		$	2,966		$	2,161		$	10,474		$	10,805		$	7,417		$	12,952
Citigroup’s Net Income	$	4,400		$	2,672		$	2,149		$	1,289		$	2,961		$	3,276		$	3,703		$	933		$	2,877		$	2,872		$	455		$	1,161		$	3,732		$	4,091		$	3,056		$	2,338		$	10,505		$	10,872		$	7,360		$	13,217
Financial Ratios (1):
Tier 1 Common Ratio	9.11		%	9.71		%	10.33		%	10.75		%	11.34		%	11.62		%	11.71		%	11.80		%	12.50		%	12.71		%	12.73		%	12.67		%	11.84		%	12.16		%	12.68		%	12.64		%	10.75		%	11.80		%	12.67		%	12.64		%
Tier 1 Capital Ratio	11.28		%	11.99		%	12.50		%	12.91		%	13.26		%	13.55		%	13.45		%	13.55		%	14.26		%	14.46		%	13.92		%	14.06		%	13.09		%	13.24		%	13.64		%	13.68		%	12.91		%	13.55		%	14.06		%	13.68		%
Total Capital Ratio	14.88		%	15.59		%	16.14		%	16.59		%	16.98		%	17.18		%	16.89		%	16.99		%	17.64		%	17.70		%	17.12		%	17.26		%	16.09		%	16.18		%	16.68		%	16.65		%	16.59		%	16.99		%	17.26		%	16.65		%
Leverage Ratio	6.16		%	6.31		%	6.57		%	6.60		%	7.00		%	7.05		%	7.01		%	7.19		%	7.55		%	7.66		%	7.39		%	7.48		%	7.78		%	7.86		%	8.13		%	8.21		%	6.60		%	7.19		%	7.48		%	8.21		%
Return on Average Assets	0.89		%	0.54		%	0.43		%	0.26		%	0.62		%	0.68		%	0.76		%	0.20		%	0.62		%	0.62		%	0.10		%	0.25		%	0.82		%	0.88		%	0.69		%	0.52		%	0.53		%	0.57		%	0.39		%	0.73		%
Efficiency Ratio	45		%	54		%	55		%	68		%	62		%	63		%	60		%	77		%	64		%	65		%	88		%	77		%	61		%	59		%	65		%	69		%	55		%	65		%	72		%	63		%
Return on Average Common Equity	12.0		%	7.0		%	5.4		%	3.2		%	7.3		%	7.7		%	8.4		%	2.1		%	6.5		%	6.5		%	1.0		%	2.5		%	8.2		%	8.8		%	6.4		%	4.8		%	6.8		%	6.3		%	4.1		%	7.0		%
Balance Sheet Data, EOP (in billions of dollars, except Book Value per Share):
Total Assets	$	2,002.2		$	1,937.7		$	1,983.3		$	1,913.9		$	1,947.8		$	1,956.6		$	1,936.0		$	1,873.9		$	1,944.4		$	1,916.5		$	1,931.3		$	1,864.7		$	1,881.7		$	1,884.0		$	1,899.5		$	1,880.4		$	1,913.9		$	1,873.9		$	1,864.7		$	1,880.4
Total Average Assets	2,013.1			2,017.1			1,979.1			1,982.2			1,953.8			1,982.3			1,963.7			1,910.7			1,911.8			1,916.1			1,909.4			1,905.4			1,886.8			1,898.9			1,859.5			1,888.0			1,997.9			1,952.6			1,910.7			1,883.3
Total Deposits	827.9			814.0			850.1			845.0			865.9			866.3			851.3			865.9			906.0			914.3			944.6			930.6			933.8			938.4			955.5			968.3			845.0			865.9			930.6			968.3
Citigroup’s Stockholders’ Equity	151.4			154.8			162.9			163.5			171.0			176.4			177.4			177.8			181.8			183.9			186.8			189.0			193.4			195.9			200.8			204.3			163.5			177.8			189.0			204.3
Book Value Per Share	$	52.80		$	53.32		$	55.97		$	56.15		$	58.46		$	60.34		$	60.56		$	60.70		$	61.90		$	62.61		$	63.59		$	61.57		$	62.51		$	63.02		$	64.49		$	65.23		$	56.15		$	60.70		$	61.57		$	65.23
Tangible Book Value Per Share (2)	$	40.90		$	41.86		$	44.42		$	44.55		$	46.87		$	48.75		$	49.50		$	49.74		$	50.90		$	51.81		$	52.69		$	51.19		$	52.35		$	53.10		$	54.52		$	55.31		$	44.55		$	49.74		$	51.19		$	55.31
Direct Staff (in thousands)	263			259			258			260			260			263			267			266			263			261			262			259			257			253			252			251			260			266			259			251

(1)     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.

(2)     Tangible book value per share is a non-GAAP financial measure.  See page 42 for a reconciliation of this measure.

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

Reclassified to conform to the current period’s presentation.

1

CITIGROUP CONSOLIDATED STATEMENT OF INCOME (In millions of dollars)

																																																	Full			Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013			2010			2011			2012			2013
Revenues
Interest revenue	$	20,659		$	20,188		$	19,123		$	18,626		$	17,968		$	18,378		$	17,925		$	17,587		$	17,294		$	16,686		$	16,737		$	16,581		$	15,960		$	15,840		$	15,463		$	15,707		$	78,596		$	71,858		$	67,298		$	62,970
Interest expense	6,370			6,427			6,162			6,098			6,032			6,415			6,030			5,732			5,578			5,343			5,026			4,665			4,330			4,158			3,952			3,737			25,057			24,209			20,612			16,177
Net interest revenue	14,289			13,761			12,961			12,528			11,936			11,963			11,895			11,855			11,716			11,343			11,711			11,916			11,630			11,682			11,511			11,970			53,539			47,649			46,686			46,793
Commissions and fees	3,575			3,148			3,171			3,450			3,274			3,460			2,937			2,819			3,057			2,992			3,219			3,316			3,435			3,293			3,061			3,152			13,344			12,490			12,584			12,941
Principal transactions	4,171			2,420			2,140			(1,001		)	3,221			2,672			2,166			(601		)	2,000			1,683			1,020			277			2,504			2,684			1,149			965			7,730			7,458			4,980			7,302
Administrative and other fiduciary fees	1,022			910			976			1,097			1,097			1,068			945			885			981			1,037			974			1,020			1,068			1,083			968			970			4,005			3,995			4,012			4,089
Realized gains (losses) on investments	538			523			962			388			580			583			765			69			1,925			273			615			438			450			251			63			(16		)	2,411			1,997			3,251			748
Other-than-temporary impairment losses on investments and other assets (1)	(507		)	(454		)	(220		)	(230		)	(1,707		)	(171		)	(146		)	(230		)	(1,305		)	(128		)	(3,470		)	(68		)	(261		)	(162		)	(39		)	(73		)	(1,411		)	(2,254		)	(4,971		)	(535		)
Insurance premiums	734			618			637			625			650			662			636			613			612			601			597			585			590			582			556			552			2,614			2,561			2,395			2,280
Other revenue (2)	1,428			955			(107		)	1,241			406			122			1,326			1,511			171			585			(960		)	457			832			1,075			635			259			3,517			3,365			253			2,801
Total non-interest revenues	10,961			8,120			7,559			5,570			7,521			8,396			8,629			5,066			7,441			7,043			1,995			6,025			8,618			8,806			6,393			5,809			32,210			29,612			22,504			29,626
Total revenues, net of interest expense	25,250			21,881			20,520			18,098			19,457			20,359			20,524			16,921			19,157			18,386			13,706			17,941			20,248			20,488			17,904			17,779			85,749			77,261			69,190			76,419
Provisions for Credit Losses and for Benefits and Claims
Net credit losses	8,322			7,908			7,600			6,793			6,195			5,049			4,420			4,023			3,858			3,491			3,897			2,985			2,878			2,608			2,430			2,547			30,623			19,687			14,231			10,463
Credit reserve build / (release)	(25		)	(1,439		)	(1,971		)	(2,227		)	(3,382		)	(1,980		)	(1,484		)	(1,505		)	(1,149		)	(1,016		)	(1,461		)	(147		)	(664		)	(781		)	(778		)	(636		)	(5,662		)	(8,351		)	(3,773		)	(2,859		)
Provision for loan losses	8,297			6,469			5,629			4,566			2,813			3,069			2,936			2,518			2,709			2,475			2,436			2,838			2,214			1,827			1,652			1,911			24,961			11,336			10,458			7,604
Policyholder benefits and claims	287			213			227			238			260			219			259			234			229			214			225			219			231			200			204			195			965			972			887			830
Provision for unfunded lending commitments	(35		)	(71		)	26			(37		)	25			(13		)	43			(4		)	(38		)	7			(41		)	56			14			(3		)	103			(34		)	(117		)	51			(16		)	80
Total provisions for credit losses and for benefits and claims	8,549			6,611			5,882			4,767			3,098			3,275			3,238			2,748			2,900			2,696			2,620			3,113			2,459			2,024			1,959			2,072			25,809			12,359			11,329			8,514
Operating Expenses
Compensation and benefits	6,147			5,946			6,103			6,176			6,392			6,650			6,205			6,367			6,362			6,105			6,113			6,539			6,335			6,075			5,828			5,729			24,372			25,614			25,119			23,967
Premises and Equipment	802			803			830			836			821			827			857			805			794			803			842			827			844			762			763			796			3,271			3,310			3,266			3,165
Technology / communication expense	1,224			1,214			1,250			1,258			1,199			1,254			1,284			1,318			1,362			1,462			1,440			1,565			1,530			1,486			1,568			1,552			4,946			5,055			5,829			6,136
Advertising and marketing expense	287			350			438			497			375			603			617			673			488			574			589			513			449			480			458			501			1,572			2,268			2,164			1,888
Other operating	2,947			3,435			2,758			3,523			3,335			3,411			3,294			3,893			3,209			3,049			3,111			4,289			3,130			3,346			3,062			3,714			12,663			13,933			13,658			13,252
Total operating expenses	11,407			11,748			11,379			12,290			12,122			12,745			12,257			13,056			12,215			11,993			12,095			13,733			12,288			12,149			11,679			12,292			46,824			50,180			50,036			48,408
Income from Continuing Operations before Income Taxes	5,294			3,522			3,259			1,041			4,237			4,339			5,029			1,117			4,042			3,697			(1,009		)	1,095			5,501			6,315			4,266			3,415			13,116			14,722			7,825			19,497
Provision (benefits) for income taxes	1,041			807			686			(317		)	1,198			986			1,286			105			997			718			(1,494		)	(214		)	1,570			2,127			1,080			1,090			2,217			3,575			7			5,867
Income from Continuing Operations	4,253			2,715			2,573			1,358			3,039			3,353			3,743			1,012			3,045			2,979			485			1,309			3,931			4,188			3,186			2,325			10,899			11,147			7,818			13,630
Discontinued Operations (3)
Income (Loss) from Discontinued Operations	(14		)	14			48			92			40			(57		)	(14		)	(44		)	23			5			(1		)	(136		)	(103		)	51			33			(223		)	140			(75		)	(109		)	(242		)
Gain (Loss) on Sale	94			—			(784		)	(12		)	4			126			16			9			(1		)	—			—			—			56			—			6			206			(702		)	155			(1		)	268
Provision (benefits) for income taxes	(127		)	4			(390		)	(33		)	12			19			2			(21		)	10			(2		)	(9		)	(51		)	(14		)	21			(53		)	(198		)	(546		)	12			(52		)	(244		)
Income (Loss) from Discontinued Operations, net of taxes	207			10			(346		)	113			32			50			—			(14		)	12			7			8			(85		)	(33		)	30			92			181			(16		)	68			(58		)	270
Net Income before Noncontrolling Interests	4,460			2,725			2,227			1,471			3,071			3,403			3,743			998			3,057			2,986			493			1,224			3,898			4,218			3,278			2,506			10,883			11,215			7,760			13,900
Net Income attributable to noncontrolling interests	32			28			59			162			72			62			(28		)	42			126			40			25			28			90			36			51			50			281			148			219			227
Citigroup’s Net Income	$	4,428		$	2,697		$	2,168		$	1,309		$	2,999		$	3,341		$	3,771		$	956		$	2,931		$	2,946		$	468		$	1,196		$	3,808		$	4,182		$	3,227		$	2,456		$	10,602		$	11,067		$	7,541		$	13,673

(1)Full Year 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)Full Year 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 fourth quarter of 2012, residual amounts related to the Egg Credit Card business and Citi Capital Advisors.

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

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

d)The third quarter of 2013 also includes residual tax release amounts related to the sale of Citi’s German consumer branch business.

e)In the fourth quarter of 2013, Citi completed the sale of Credicard resulting in a $189 million after-tax benefit to discontinued operations.

Reclassified to conform to the current period’s presentation.

2

CITIGROUP CONSOLIDATED BALANCE SHEET (In millions of dollars)

	March 31,			June 30,			September 30,			December 31,			March 31,			June 30,			September 30,			December 31,			March 31,			June 30,			September 30,			December 31,			March 31,			June 30,			September 30,			December 31,
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013
Assets
Cash and due from banks (including segregated cash and other deposits)	$	25,678		$	24,709		$	26,342		$	27,972		$	27,842		$	27,766		$	28,950		$	28,701		$	26,505		$	33,927		$	33,802		$	36,453		$	31,150		$	31,145		$	32,810		$	29,885
Deposits with banks	163,525			160,780			150,071			162,437			163,603			156,181			159,338			155,784			183,949			155,054			170,028			102,134			143,227			158,028			172,659			169,005
Fed funds sold and securities borr’d or purch under agree. to resell	234,348			230,784			240,057			246,717			261,120			283,976			290,645			275,849			289,057			272,664			277,542			261,311			270,426			263,205			273,679			257,037
Brokerage receivables	34,001			36,872			37,138			31,213			40,901			40,695			37,992			27,777			39,443			35,340			31,077			22,490			25,235			33,484			24,976			25,674
Trading account assets	345,783			309,412			337,098			317,272			323,110			322,349			320,637			291,734			307,050			310,246			315,201			320,929			308,321			306,570			291,722			285,928
Investments
Available-for-sale and non-marketable equity securities	270,385			285,783			310,143			289,057			311,773			294,664			273,791			281,930			287,197			294,577			284,531			302,196			294,803			290,738			292,717			298,381
Held-to-maturity	46,348			31,283			30,107			29,107			15,484			14,910			12,866			11,483			10,126			11,349			10,943			10,130			10,056			9,602			10,808			10,599
Total Investments	316,733			317,066			340,250			318,164			327,257			309,574			286,657			293,413			297,323			305,926			295,474			312,326			304,859			300,340			303,525			308,980
Loans, net of unearned income
Consumer	529,022			502,917			460,589			455,184			438,429			439,939			424,212			423,340			416,103			409,127			407,752			408,671			395,176			382,152			387,822			393,831
Corporate	192,782			189,249			193,722			193,610			198,707			207,561			213,027			223,902			231,919			245,841			250,671			246,793			251,188			261,589			269,729			271,641
Loans, net of unearned income	721,804			692,166			654,311			648,794			637,136			647,500			637,239			647,242			648,022			654,968			658,423			655,464			646,364			643,741			657,551			665,472
Allowance for loan losses	(48,746		)	(46,197		)	(43,674		)	(40,655		)	(36,568		)	(34,362		)	(32,052		)	(30,115		)	(29,020		)	(27,611		)	(25,916		)	(25,455		)	(23,727		)	(21,580		)	(20,605		)	(19,648		)
Total loans, net	673,058			645,969			610,637			608,139			600,568			613,138			605,187			617,127			619,002			627,357			632,507			630,009			622,637			622,161			636,946			645,824
Goodwill	25,662			25,201			25,797			26,152			26,339			26,621			25,496			25,413			25,810			25,483			25,915			25,673			25,474			24,896			25,098			25,009
Intangible assets (other than MSRs)	8,277			7,868			7,705			7,504			7,280			7,136			6,800			6,600			6,413			6,156			5,963			5,697			5,457			4,981			4,888			5,056
Mortgage servicing rights (MSRs)	6,439			4,894			3,976			4,554			4,690			4,258			2,852			2,569			2,691			2,117			1,920			1,942			2,203			2,524			2,580			2,718
Other assets	168,709			174,101			172,800			163,778			162,433			164,932			171,438			148,911			147,180			142,181			141,873			145,660			142,736			133,348			127,308			125,266
Assets related to discontinued operations held for sale	—			—			31,409			—			2,672			—			—			—			—			—			44			36			9			3,306			3,320			—
Total assets	$	2,002,213		$	1,937,656		$	1,983,280		$	1,913,902		$	1,947,815		$	1,956,626		$	1,935,992		$	1,873,878		$	1,944,423		$	1,916,451		$	1,931,346		$	1,864,660		$	1,881,734		$	1,883,988		$	1,899,511		$	1,880,382
Liabilities
Non-interest-bearing deposits in U.S. offices	$	66,796		$	59,225		$	64,442		$	78,268		$	81,839		$	86,631		$	103,129		$	119,437		$	122,305		$	120,324		$	133,981		$	129,657		$	124,487		$	124,141		$	130,273		$	128,399
Interest-bearing deposits in U.S. offices	230,919			241,820			237,626			225,731			222,613			220,436			218,595			223,851			228,357			233,696			239,574			247,716			260,221			270,687			266,322			284,164
Total U.S. Deposits	297,715			301,045			302,068			303,999			304,452			307,067			321,724			343,288			350,662			354,020			373,555			377,373			384,708			394,828			396,595			412,563
Non-interest-bearing deposits in offices outside the U.S.	45,471			46,322			52,080			55,066			61,851			61,898			58,564			57,357			60,691			59,745			63,792			65,024			65,542			63,793			66,028			69,406
Interest-bearing deposits in offices outside the U.S.	484,728			466,584			495,947			485,903			499,560			497,345			470,993			465,291			494,659			500,543			507,297			488,163			483,512			479,806			492,837			486,304
Total International Deposits	530,199			512,906			548,027			540,969			561,411			559,243			529,557			522,648			555,350			560,288			571,089			553,187			549,054			543,599			558,865			555,710
Total deposits	827,914			813,951			850,095			844,968			865,863			866,310			851,281			865,936			906,012			914,308			944,644			930,560			933,762			938,427			955,460			968,273
Fed funds purch and securities loaned or sold under agree. to repurch.	207,911			196,112			192,065			189,558			187,825			203,843			223,612			198,373			226,008			214,851			224,370			211,236			222,053			218,252			216,387			203,512
Brokerage payables	55,041			54,774			51,517			51,749			50,394			57,245			56,093			56,696			56,966			59,133			55,376			57,013			59,299			61,705			56,992			53,707
Trading account liabilities	142,748			131,001			142,005			129,054			146,346			152,307			148,851			126,082			135,956			128,818			129,990			115,549			120,226			123,022			122,048			108,762
Short-term borrowings	96,694			92,752			87,013			78,790			78,622			72,889			65,818			54,441			55,611			58,698			49,164			52,027			48,137			58,743			58,904			58,944
Long-term debt	439,274			413,297			387,330			381,183			376,541			352,458			333,824			323,505			311,079			288,334			271,862			239,463			234,326			220,959			221,593			221,116
Other liabilities (1)	78,852			78,439			78,198			72,811			68,792			72,929			77,171			69,272			69,068			66,470			67,202			67,815			68,592			62,992			63,349			59,935
Liabilities related to discontinued operations held for sale	—			—			29,874			—			39			—			—			—			—			—			—			—			—			2,062			2,039			—
Total liabilities	$	1,848,434		$	1,780,326		$	1,818,097		$	1,748,113		$	1,774,422		$	1,777,981		$	1,756,650		$	1,694,305		$	1,760,700		$	1,730,612		$	1,742,608		$	1,673,663		$	1,686,395		$	1,686,162		$	1,696,772		$	1,674,249
Equity
Stockholders’ equity
Preferred stock	$	312		$	312		$	312		$	312		$	312		$	312		$	312		$	312		$	312		$	312		$	312		$	2,562		$	3,137		$	4,293		$	5,243		$	6,738
Common stock	29			29			29			29			29			29			29			29			29			29			29			30			31			31			31			31
Additional paid-in capital	96,685			99,277			101,161			101,287			103,004			103,475			105,562			105,804			105,787			105,962			106,203			106,391			106,661			106,876			107,030			107,193
Retained earnings	73,432			76,130			78,260			79,559			82,554			85,857		��	89,602			90,520			93,310			96,216			96,650			97,809			101,580			105,725			108,812			111,168
Treasury stock	(1,178		)	(1,772		)	(1,540		)	(1,442		)	(878		)	(1,087		)	(1,089		)	(1,071		)	(883		)	(859		)	(851		)	(847		)	(991		)	(1,075		)	(1,472		)	(1,658		)
Accumulated other comprehensive income (loss)	(17,859		)	(19,170		)	(15,309		)	(16,277		)	(13,984		)	(12,222		)	(17,044		)	(17,788		)	(16,735		)	(17,749		)	(15,566		)	(16,896		)	(17,059		)	(19,924		)	(18,798		)	(19,133		)
Total common equity	$	151,109		$	154,494		$	162,601		$	163,156		$	170,725		$	176,052		$	177,060		$	177,494		$	181,508		$	183,599		$	186,465		$	186,487		$	190,222		$	191,633		$	195,603		$	197,601
Total Citigroup stockholders’ equity	$	151,421		$	154,806		$	162,913		$	163,468		$	171,037		$	176,364		$	177,372		$	177,806		$	181,820		$	183,911		$	186,777		$	189,049		$	193,359		$	195,926		$	200,846		$	204,339
Noncontrolling interests	2,358			2,524			2,270			2,321			2,356			2,281			1,970			1,767			1,903			1,928			1,961			1,948			1,980			1,900			1,893			1,794
Total equity	153,779			157,330			165,183			165,789			173,393			178,645			179,342			179,573			183,723			185,839			188,738			190,997			195,339			197,826			202,739			206,133
Total liabilities and equity	$	2,002,213		$	1,937,656		$	1,983,280		$	1,913,902		$	1,947,815		$	1,956,626		$	1,935,992		$	1,873,878		$	1,944,423		$	1,916,451		$	1,931,346		$	1,864,660		$	1,881,734		$	1,883,988		$	1,899,511		$	1,880,382

(1) Includes allowance for credit losses for letters of credit and unfunded lending commitments.  See page 35 for amounts by period.

Reclassified to conform to the current period’s presentation.

3

CITIGROUP
SEGMENT DETAIL
NET REVENUES
(In millions of dollars)

																	Full	Full	Full	Full
	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	Year	Year	Year	Year
	2010	2010	2010	2010	2011	2011	2011	2011	2012	2012	2012	2012	2013	2013	2013	2013	2010	2011	2012	2013
CITICORP
Global Consumer Banking

North America	$	5,626	$	5,433	$	5,423	$	5,134		$	4,908		$	4,916	$	5,068	$	5,133		$	5,167		$	5,103		$	5,367		$	5,313		$	5,110		$	5,053	$	4,739		$	4,874		$	21,616		$	20,025	$	20,950		$	19,776
EMEA	413		377		350		389			414			403		371		341			369			358			374			384			368			364		359			358			1,529			1,529		1,485			1,449
Latin America	1,908		1,938		2,026		2,064			2,085			2,188		2,162		2,118			2,182			2,087			2,185			2,288			2,308			2,333		2,272			2,403			7,936			8,553		8,742			9,316
Asia	1,799		1,843		1,838		1,929			1,900			2,030		2,071		2,023			1,998			1,952			1,983			1,995			1,960			1,968		1,862			1,834			7,409			8,024		7,928			7,624
Total	9,746		9,591		9,637		9,516			9,307			9,537		9,672		9,615			9,716			9,500			9,909			9,980			9,746			9,718		9,232			9,469			38,490			38,131		39,105			38,165
Institutional Clients Group
North America	4,275		3,336		2,901		1,670			3,014			2,809		3,150		1,347			2,076			2,664			2,138			2,095			3,577			3,245		2,439			2,212			12,182			10,320		8,973			11,473
EMEA	3,347		2,611		2,570		1,665			2,884			2,529		3,185		2,070			2,860			2,526			2,370			2,221			2,753			3,088		2,147			2,032			10,193			10,668		9,977			10,020
Latin America	933		898		1,006		1,118			973			1,089		932		959			1,172			1,182			1,228			1,128			1,223			1,223		1,095			1,151			3,955			3,953		4,710			4,692
Asia	1,950		1,674		1,716		1,689			1,740			1,761		2,211		1,480			1,973			1,863			1,731			1,535			2,038			2,004		1,691			1,649			7,029			7,192		7,102			7,382
Total	10,505		8,519		8,193		6,142			8,611			8,188		9,478		5,856			8,081			8,235			7,467			6,979			9,591			9,560		7,372			7,044			33,359			32,133		30,762			33,567
Corporate / Other	328		643		578		124			(80		)	241		283		363			483			(285		)	16			(86		)	6			114		42			(41		)	1,673			807		128			121
Total Citicorp	20,579		18,753		18,408		15,782			17,838			17,966		19,433		15,834			18,280			17,450			17,392			16,873			19,343			19,392		16,646			16,472			73,522			71,071		69,995			71,853
Total Citi Holdings	4,671		3,128		2,112		2,316			1,619			2,393		1,091		1,087			877			936			(3,686		)	1,068			905			1,096		1,258			1,307			12,227			6,190		(805		)	4,566
Total Citigroup - Net Revenues	$	25,250	21,881		20,520		18,098			$	19,457		20,359		20,524		16,921			19,157			18,386			13,706			17,941			20,248			20,488		17,904			17,779			85,749			77,261		69,190			76,419
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) {CVA/DVA}	309		209		115		(1,102		)	(256		)	164		1,938		(40		)	(1,288		)	219			(776		)	(485		)	(319		)	477		(336		)	(164		)	(469		)	1,806		(2,330		)	(342		)
Total Citigroup - Net Revenues - Excluding CVA/DVA (2)	$	24,941	$	21,672	$	20,405	$	19,200		$	19,713		$	20,195	$	18,586	$	16,961		$	20,445		$	18,167		$	14,482		$	18,426		$	20,567		$	20,011	$	18,240		$	17,943		$	86,218		$	75,455	$	71,520		$	76,761

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

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

Reclassified to conform to the current period’s presentation.

4

CITIGROUP
SEGMENT DETAIL
INCOME
(In millions of dollars)

																	Full	Full	Full	Full
	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	Year	Year	Year	Year
	2010	2010	2010	2010	2011	2011	2011	2011	2012	2012	2012	2012	2013	2013	2013	2013	2010	2011	2012	2013
Income from Continuing Operations:
CITICORP
Global Consumer Banking

North America	$	(167	)	$	36		$	444		$	453		$	882		$	1,056		$	1,049		$	887		$	1,255		$	1,132		$	1,234		$	943		$	1,074		$	1,084		$	894		$	858		$	766		$	3,874		$	4,564		$	3,910
EMEA	19			40			10			(1		)	48			24			—			(13		)	(19		)	6			—			(48		)	1			22			13			(1		)	68			59			(61		)	35
Latin America	370			455			506			421			478			414			337			382			353			313			352			364			356			346			264			371			1,752			1,611			1,382			1,337
Asia	545			539			477			488			432			458			541			390			479			427			428			378			394			410			364			313			2,049			1,821			1,712			1,481
Total	767			1,070			1,437			1,361			1,840			1,952			1,927			1,646			2,068			1,878			2,014			1,637			1,825			1,862			1,535			1,541			4,635			7,365			7,597			6,763
Institutional Clients Group
North America	1,638			1,008			589			(87		)	608			513			826			(336		)	282			635			386			295			1,256			984			508			395			3,148			1,611			1,598			3,143
EMEA	1,294			647			777			199			1,007			595			988			410			794			662			595			416			654			1,003			374			401			2,917			3,000			2,467			2,432
Latin America	399			338			427			496			421			432			350			313			495			487			503			394			472			527			427			202			1,660			1,516			1,879			1,628
Asia	784			594			491			501			482			487			829			213			594			508			459			329			688			622			431			470			2,370			2,011			1,890			2,211
Total	4,115			2,587			2,284			1,109			2,518			2,027			2,993			600			2,165			2,292			1,943			1,434			3,070			3,136			1,740			1,468			10,095			8,138			7,834			9,414
Corporate / Other	104			281			226			(115		)	(368		)	(21		)	38			73			(161		)	(272		)	91			(706		)	(165		)	(229		)	20			(256		)	496			(278		)	(1,048		)	(630		)
Total Citicorp	4,986			3,938			3,947			2,355			3,990			3,958			4,958			2,319			4,072			3,898			4,048			2,365			4,730			4,769			3,295			2,753			15,226			15,225			14,383			15,547
Total Citi Holdings	(733		)	(1,223		)	(1,374		)	(997		)	(951		)	(605		)	(1,215		)	(1,307		)	(1,027		)	(919		)	(3,563		)	(1,056		)	(799		)	(581		)	(109		)	(428		)	(4,327		)	(4,078		)	(6,565		)	(1,917		)
Income From Continuing Operations	4,253			2,715			2,573			1,358			3,039			3,353			3,743			1,012			3,045			2,979			485			1,309			3,931			4,188			3,186			2,325			10,899			11,147			7,818			13,630
Discontinued Operations	207			10			(346		)	113			32			50			—			(14		)	12			7			8			(85		)	(33		)	30			92			181			(16		)	68			(58		)	270
Net Income Attributable to Noncontrolling Interests	32			28			59			162			72			62			(28		)	42			126			40			25			28			90			36			51			50			281			148			219			227
Citigroup’s Net Income	$	4,428		$	2,697		$	2,168		$	1,309		$	2,999		$	3,341		$	3,771		$	956		$	2,931		$	2,946		$	468		$	1,196		$	3,808		$	4,182		$	3,227		$	2,456		$	10,602		$	11,067		$	7,541		$	13,673
CVA/DVA (after-tax) (1)	188			133			68			(680		)	(158		)	102			1,203			(22		)	(800		)	140			(485		)	(301		)	(198		)	293			(208		)	(100		)	(291		)	1,125			(1,446		)	(213		)
Total Citigroup - Net Income - Excluding CVA/DVA (2)	$	4,240		$	2,564		$	2,100		$	1,989		$	3,157		$	3,239		$	2,568		$	978		$	3,731		$	2,806		$	953		$	1,497		$	4,006		$	3,889		$	3,435		$	2,556		$	10,893		$	9,942		$	8,987		$	13,886

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

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

Reclassified to conform to the current period’s presentation.

5

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

																	Full	Full	Full	Full
	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	Year	Year	Year	Year
	2010	2010	2010	2010	2011	2011	2011	2011	2012	2012	2012	2012	2013	2013	2013	2013	2010	2011	2012	2013
Revenues

Net interest revenue	$	11,662		$	11,489		$	11,086		$	11,177		$	10,893		$	10,917		$	11,112		$	11,001		$	11,007		$	10,748		$	11,031		$	11,281		$	10,877		$	10,898		$	10,735		$	11,099		$	45,414		$	43,923		$	44,067		$	43,609
Non-interest revenue	8,917			7,264			7,322			4,605			6,945			7,049			8,321			4,833			7,273			6,702			6,361			5,592			8,466			8,494			5,911			5,373			28,108			27,148			25,928			28,244
Total revenues, net of interest expense	20,579			18,753			18,408			15,782			17,838			17,966			19,433			15,834			18,280			17,450			17,392			16,873			19,343			19,392			16,646			16,472			73,522			71,071			69,995			71,853
Provisions for Credit Losses and for Benefits and Claims
Net credit losses	4,538			4,263			4,140			3,724			3,177			2,884			2,539			2,511			2,124			2,162			2,090			2,013			1,948			1,838			1,795			1,812			16,665			11,111			8,389			7,393
Credit reserve build / (release)	(365		)	(838		)	(937		)	(1,028		)	(1,824		)	(1,405		)	(952		)	(893		)	(599		)	(766		)	(664		)	(193		)	(317		)	(301		)	(104		)	(104		)	(3,168		)	(5,074		)	(2,222		)	(826		)
Provision for loan losses	4,173			3,425			3,203			2,696			1,353			1,479			1,587			1,618			1,525			1,396			1,426			1,820			1,631			1,537			1,691			1,708			13,497			6,037			6,167			6,567
Provision for benefits & claims	53			37			43			51			56			36			55			46			58			49			65			64			63			46			51			52			184			193			236			212
Provision for unfunded lending commitments	(9		)	(26		)	—			—			4			(5		)	46			47			(12		)	26			(25		)	51			18			(10		)	108			(26		)	(35		)	92			40			90
Total provisions for credit losses and for benefits and claims	4,217			3,436			3,246			2,747			1,413			1,510			1,688			1,711			1,571			1,471			1,466			1,935			1,712			1,573			1,850			1,734			13,646			6,322			6,443			6,869
Total operating expenses	9,481			9,915			9,751			10,535			10,720			11,116			10,792			11,213			10,993			10,750			10,906			12,124			10,771			10,585			10,283			10,799			39,682			43,841			44,773			42,438
Income from Continuing Operations before Income Taxes	6,881			5,402			5,411			2,500			5,705			5,340			6,953			2,910			5,716			5,229			5,020			2,814			6,860			7,234			4,513			3,939			20,194			20,908			18,779			22,546
Provision for income taxes	1,895			1,464			1,464			145			1,715			1,382			1,995			591			1,644			1,331			972			449			2,130			2,465			1,218			1,186			4,968			5,683			4,396			6,999
Income from Continuing Operations	4,986			3,938			3,947			2,355			3,990			3,958			4,958			2,319			4,072			3,898			4,048			2,365			4,730			4,769			3,295			2,753			15,226			15,225			14,383			15,547
Income (loss) from Discontinued Operations, net of taxes	207			10			(346		)	113			32			50			—			(14		)	12			7			8			(85		)	(33		)	30			92			181			(16		)	68			(58		)	270
Noncontrolling interests	21			20			(21		)	54			11			12			(35		)	41			124			39			25			28			85			35			45			46			74			29			216			211
Citicorp’s Net Income	$	5,172		$	3,928		$	3,622		$	2,414		$	4,011		$	3,996		$	4,993		$	2,264		$	3,960		$	3,866		$	4,031		$	2,252		$	4,612		$	4,764		$	3,342		$	2,888		$	15,136		$	15,264		$	14,109		$	15,606
Balance Sheet Data (in billions of dollars):
Total EOP Assets	$	1,544		$	1,518		$	1,606		$	1,601		$	1,653		$	1,692		$	1,689		$	1,649		$	1,735		$	1,725		$	1,760		$	1,709		$	1,733		$	1,753		$	1,778		$	1,763		$	1,601		$	1,649		$	1,709		$	1,763
Average Assets	$	1,543		$	1,573		$	1,572		$	1,622		$	1,649		$	1,707		$	1,704		$	1,675		$	1,689		$	1,714		$	1,725		$	1,739		$	1,734		$	1,756		$	1,735		$	1,769		$	1,578		$	1,684		$	1,717		$	1,749
Return on Average Assets	1.36		%	1.00		%	0.91		%	0.59		%	0.99		%	0.94		%	1.16		%	0.54		%	0.94		%	0.91		%	0.93		%	0.52		%	1.08		%	1.09		%	0.76		%	0.65		%	0.96		%	0.91		%	0.82		%	0.89		%
Efficiency Ratio (Operating Expenses/Total Revenues, net)	46		%	53		%	53		%	67		%	60		%	62		%	56		%	71		%	60		%	62		%	63		%	72		%	56		%	55		%	62		%	66		%	54		%	62		%	64		%	59		%
Total EOP Loans	$	424		$	422		$	436		$	450		$	457		$	480		$	483		$	507		$	514		$	527		$	537		$	540		$	539		$	544		$	561		$	573		$	450		$	507		$	540		$	573
Total EOP Deposits	$	748		$	737		$	772		$	769		$	792		$	796		$	783		$	804		$	843		$	852		$	878		$	863		$	868		$	874		$	914		$	932		$	769		$	804		$	863		$	932

Reclassified to conform to the current period’s presentation.

6

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

																																																	Full			Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013			2010			2011			2012			2013
Net Interest Revenue	$	7,517		$	7,307		$	7,160		$	7,229		$	7,161		$	7,221		$	7,321		$	7,228		$	7,159		$	7,005		$	7,199		$	7,302		$	7,166		$	7,067		$	7,100		$	7,315		$	29,213		$	28,931		$	28,665		$	28,648
Non-Interest Revenue	2,229			2,284			2,477			2,287			2,146			2,316			2,351			2,387			2,557			2,495			2,710			2,678			2,580			2,651			2,132			2,154			9,277			9,200			10,440			9,517
Total Revenues, Net of Interest Expense	9,746			9,591			9,637			9,516			9,307			9,537			9,672			9,615			9,716			9,500			9,909			9,980			9,746			9,718			9,232			9,469			38,490			38,131			39,105			38,165
Total Operating Expenses	4,602			4,595			4,611			4,947			5,047			5,308			5,330			5,540			5,222			5,323			5,413			5,914			5,352			5,285			5,189			5,361			18,755			21,225			21,872			21,187
Net Credit Losses	4,436			4,221			3,849			3,586			2,966			2,734			2,451			2,338			2,181			2,039			1,948			1,939			1,909			1,785			1,730			1,787			16,092			10,489			8,107			7,211
Credit Reserve Build / (Release)	(192		)	(606		)	(910		)	(836		)	(1,429		)	(1,349		)	(983		)	(754		)	(756		)	(753		)	(515		)	(152		)	(340		)	(237		)	(85		)	(7		)	(2,544		)	(4,515		)	(2,176		)	(669		)
Provision for Unfunded Lending Commitments	1			(4		)	—			—			—			3			—			—			(1		)	—			1			—			15			9			15			(2		)	(3		)	3			—			37
Provision for Benefits & Claims	53			36			44			51			55			36			56			45			58			50			65			64			63			46			51			52			184			192			237			212
Provision for Loan Losses and for Benefits and Claims	4,298			3,647			2,983			2,801			1,592			1,424			1,524			1,629			1,482			1,336			1,499			1,851			1,647			1,603			1,711			1,830			13,729			6,169			6,168			6,791
Income from Continuing Operations before Taxes	846			1,349			2,043			1,768			2,668			2,805			2,818			2,446			3,012			2,841			2,997			2,215			2,747			2,830			2,332			2,278			6,006			10,737			11,065			10,187
Income Taxes	79			279			606			407			828			853			891			800			944			963			983			578			922			968			797			737			1,371			3,372			3,468			3,424
Income from Continuing Operations	767			1,070			1,437			1,361			1,840			1,952			1,927			1,646			2,068			1,878			2,014			1,637			1,825			1,862			1,535			1,541			4,635			7,365			7,597			6,763
Noncontrolling Interests	(5		)	—			(4		)	—			(2		)	3			1			(2		)	1			(1		)	3			—			5			6			4			2			(9		)	—			3			17
Net Income	$	772		$	1,070		$	1,441		$	1,361		$	1,842		$	1,949		$	1,926		$	1,648		$	2,067		$	1,879		$	2,011		$	1,637		$	1,820		$	1,856		$	1,531		$	1,539		$	4,644		$	7,365		$	7,594		$	6,746
Average Assets (in billions of dollars)	$	353		$	347		$	352		$	361		$	367		$	378		$	380		$	381		$	386		$	382		$	389		$	395		$	400		$	391		$	391		$	399		$	353		$	377		$	388		$	395
Return on Average Assets (1)	0.89		%	1.25		%	1.64		%	1.51		%	2.06		%	2.09		%	2.03		%	1.74		%	2.18		%	2.00		%	2.08		%	1.66		%	1.86		%	1.90		%	1.55		%	1.53		%	1.33		%	1.98		%	1.98		%	1.72		%
Efficiency Ratio	47		%	48		%	48		%	52		%	54		%	56		%	55		%	58		%	54		%	56		%	55		%	59		%	55		%	54		%	56		%	57		%	49		%	56		%	56		%	56		%
																															��
Net Credit Losses as a % of Average Loans (1)	6.78		%	6.55		%	5.86		%	5.37		%	4.45		%	3.98		%	3.50		%	3.32		%	3.05		%	2.90		%	2.72		%	2.66		%	2.67		%	2.54		%	2.41		%	2.40		%	6.22		%	3.85		%	2.87		%	2.53		%
Revenue by Business
Retail Banking	$	3,855		$	3,953		$	4,043		$	4,139		$	3,966		$	4,178		$	4,203		$	4,175		$	4,544		$	4,423		$	4,620		$	4,580		$	4,532		$	4,542		$	3,928		$	3,939		$	15,990		$	16,522		$	18,167		$	16,941
Cards (2)	5,891			5,638			5,594			5,377			5,341			5,359			5,469			5,440			5,172			5,077			5,289			5,400			5,214			5,176			5,304			5,530			22,500			21,609			20,938			21,224
Total	$	9,746		$	9,591		$	9,637		$	9,516		$	9,307		$	9,537		$	9,672		$	9,615		$	9,716		$	9,500		$	9,909		$	9,980		$	9,746		$	9,718		$	9,232		$	9,469		$	38,490		$	38,131		$	39,105		$	38,165
Net Credit Losses by Business
Retail Banking	$	294		$	306		$	336		$	345		$	281		$	302		$	298		$	309		$	282		$	276		$	325		$	375		$	338		$	299		$	336		$	370		$	1,281		$	1,190		$	1,258		$	1,343
Cards (2)	4,142			3,915			3,513			3,241			2,685			2,432			2,153			2,029			1,899			1,763			1,623			1,564			1,571			1,486			1,394			1,417			14,811			9,299			6,849			5,868
Total	$	4,436		$	4,221		$	3,849		$	3,586		$	2,966		$	2,734		$	2,451		$	2,338		$	2,181		$	2,039		$	1,948		$	1,939		$	1,909		$	1,785		$	1,730		$	1,787		$	16,092		$	10,489		$	8,107		$	7,211
Income (loss) from Continuing Operations by Business
Retail Banking	$	766		$	801		$	732		$	686		$	643		$	597		$	594		$	550		$	763		$	741		$	736		$	554		$	667		$	665		$	257		$	318		$	2,985		$	2,384		$	2,794		$	1,907
Cards (2)	1			269			705			675			1,197			1,355			1,333			1,096			1,305			1,137			1,278			1,083			1,158			1,197			1,278			1,223			1,650			4,981			4,803			4,856
Total	$	767		$	1,070		$	1,437		$	1,361		$	1,840		$	1,952		$	1,927		$	1,646		$	2,068		$	1,878		$	2,014		$	1,637		$	1,825		$	1,862		$	1,535		$	1,541		$	4,635		$	7,365		$	7,597		$	6,763
FX Translation Impact:
Total Revenue - as Reported	$	9,746		$	9,591		$	9,637		$	9,516		$	9,307		$	9,537		$	9,672		$	9,615		$	9,716		$	9,500		$	9,909		$	9,980		$	9,746		$	9,718		$	9,232		$	9,469		$	38,490		$	38,131		$	39,105		$	38,165
Impact of FX Translation (3)	(118		)	(102		)	(140		)	(230		)	(302		)	(418		)	(279		)	(98		)	(207		)	(59		)	(114		)	(157		)	(180		)	(108		)	13			—			(695		)	(896		)	(286		)	—
Total Revenues - Ex-FX (4)	$	9,628		$	9,489		$	9,497		$	9,286		$	9,005		$	9,119		$	9,393		$	9,517		$	9,509		$	9,441		$	9,795		$	9,823		$	9,566		$	9,610		$	9,245		$	9,469		$	37,795		$	37,235		$	38,819		$	38,165
Total Operating Expenses - as Reported	$	4,602		$	4,595		$	4,611		$	4,947		$	5,047		$	5,308		$	5,330		$	5,540		$	5,222		$	5,323		$	5,413		$	5,914		$	5,352		$	5,285		$	5,189		$	5,361		$	18,755		$	21,225		$	21,872		$	21,187
Impact of FX Translation (3)	(85		)	(82		)	(111		)	(187		)	(210		)	(288		)	(197		)	(96		)	(146		)	(56		)	(79		)	(115		)	(100		)	(47		)	9			—			(524		)	(655		)	(254		)	—
Total Operating Expenses - Ex-FX (4)	$	4,517		$	4,513		$	4,500		$	4,760		$	4,837		$	5,020		$	5,133		$	5,444		$	5,076		$	5,267		$	5,334		$	5,799		$	5,252		$	5,238		$	5,198		$	5,361		$	18,231		$	20,570		$	21,618		$	21,187
Total Provisions for LLR & PBC - as Reported	$	4,298		$	3,647		$	2,983		$	2,801		$	1,592		$	1,424		$	1,524		$	1,629		$	1,482		$	1,336		$	1,499		$	1,851		$	1,647		$	1,603		$	1,711		$	1,830		$	13,729		$	6,169		$	6,168		$	6,791
Impact of FX Translation (3)	(33		)	(4		)	(10		)	(36		)	(35		)	(69		)	(49		)	(17		)	(39		)	—			(21		)	(28		)	(38		)	(22		)	3			—			(89		)	(146		)	(40		)	—
Total Provisions for LLR & PBC - Ex-FX (4)	$	4,265		$	3,643		$	2,973		$	2,765		$	1,557		$	1,355		$	1,475		$	1,612		$	1,443		$	1,336		$	1,478		$	1,823		$	1,609		$	1,581		$	1,714		$	1,830		$	13,640		$	6,023		$	6,128		$	6,791
Net Income - as Reported	$	772		$	1,070		$	1,441		$	1,361		$	1,842		$	1,949		$	1,926		$	1,648		$	2,067		$	1,879		$	2,011		$	1,637		$	1,820		$	1,856		$	1,531		$	1,539		$	4,644		$	7,365		$	7,594		$	6,746
Impact of FX Translation (3)	(3		)	(14		)	(6		)	7			(20		)	(72		)	(36		)	(17		)	(24		)	—			(12		)	—			(25		)	(22		)	(7		)	—			(52		)	(107		)	10			—
Net Income - Ex-FX (4)	$	769		$	1,056		$	1,435		$	1,368		$	1,822		$	1,877		$	1,890		$	1,631		$	2,043		$	1,879		$	1,999		$	1,637		$	1,795		$	1,834		$	1,524		$	1,539		$	4,592		$	7,258		$	7,604		$	6,746

(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 Credicard discontinued operations, the averages used in the ratio calculations have been adjusted to exclude the Credicard discontinued operations. See page 15 for the historically adjusted Latin America amounts related to 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 fourth quarter of 2013 exchange rates for all periods presented.

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

Reclassified to conform to the current period’s presentation.

7

CITICORP GLOBAL CONSUMER BANKING Page 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	4,167			4,166			4,173			4,206			4,205			4,212			4,192			4,203			4,150			4,082			4,069			4,008			3,916			3,816			3,777			3,729
Accounts (in millions)	60.5			60.5			60.9			60.7			61.0			61.8			62.4			62.3			64.1			65.2			65.2			65.0			64.8			64.9			64.7			64.4
Average Deposits	$	293.8		$	295.7		$	300.0		$	305.1		$	309.8		$	317.0		$	315.5		$	313.4		$	318.3		$	317.1		$	323.7		$	327.7		$	329.5		$	325.5		$	323.7		$	328.8
Investment Sales	$	19.7		$	20.0		$	19.9		$	26.4		$	23.8		$	22.4		$	19.6		$	16.4		$	21.6		$	19.5		$	23.5		$	23.1		$	27.7		$	28.0		$	23.7		$	23.4
Investment AUMs	$	127.3		$	122.5		$	131.2		$	137.0		$	141.2		$	146.1		$	129.0		$	132.0		$	143.7		$	140.0		$	150.4		$	153.4		$	163.3		$	156.3		$	161.1		$	166.4
Average Loans	$	107.9		$	107.2		$	109.5		$	113.3		$	119.8		$	127.1		$	129.2		$	131.4		$	139.0		$	138.3		$	140.8		$	144.3		$	146.7		$	144.7		$	146.9		$	150.8
EOP Loans:
Real Estate Lending	$	56.1		$	54.7		$	56.5		$	59.4		$	64.0		$	66.9		$	67.1		$	70.8		$	73.8		$	73.2		$	74.9		$	76.0		$	76.5		$	73.8		$	76.4		$	78.0
Commercial Markets	29.7			29.9			31.4			32.9			34.7			37.2			36.3			36.2			37.5			37.0			38.2			38.9			40.1			40.6			41.0			41.9
Personal and Other	23.0			22.5			23.9			23.8			24.8			25.4			24.5			27.0			28.4			28.5			29.9			30.6			31.1			30.5			30.6			31.7
EOP Loans	$	108.8		$	107.1		$	111.8		$	116.1		$	123.5		$	129.5		$	127.9		$	134.0		$	139.7		$	138.7		$	143.0		$	145.5		$	147.7		$	144.9		$	148.0		$	151.6
Net Interest Revenue (in millions) (1)	$	2,589		$	2,593		$	2,539		$	2,646		$	2,674		$	2,735		$	2,755		$	2,739		$	2,774		$	2,711		$	2,732		$	2,750		$	2,700		$	2,644		$	2,552		$	2,554
As a % of Average Loans	9.73		%	9.70		%	9.20		%	9.27		%	9.05		%	8.63		%	8.46		%	8.27		%	8.03		%	7.88		%	7.72		%	7.58		%	7.46		%	7.33		%	6.89		%	6.72		%
Net Credit Losses (in millions)	$	294		$	306		$	336		$	345		$	281		$	302		$	298		$	309		$	282		$	276		$	325		$	375		$	338		$	299		$	336		$	370
As a % of Average Loans	1.11		%	1.14		%	1.22		%	1.21		%	0.95		%	0.95		%	0.92		%	0.93		%	0.82		%	0.80		%	0.92		%	1.03		%	0.93		%	0.83		%	0.91		%	0.97		%
Loans 90+ Days Past Due (in millions) (2)	$	817		$	815		$	843		$	761		$	801		$	812		$	794		$	769		$	843		$	869		$	882		$	879		$	874		$	849		$	872		$	952
As a % of EOP Loans	0.75		%	0.76		%	0.76		%	0.66		%	0.65		%	0.63		%	0.63		%	0.58		%	0.61		%	0.63		%	0.62		%	0.61		%	0.60		%	0.59		%	0.59		%	0.63		%
Loans 30-89 Days Past Due (in millions) (2)	$	1,311		$	1,201		$	1,277		$	1,148		$	1,143		$	1,088		$	977		$	1,040		$	1,032		$	1,049		$	1,154		$	1,112		$	1,191		$	1,085		$	1,109		$	1,049
As a % of EOP Loans	1.20		%	1.12		%	1.15		%	1.00		%	0.93		%	0.85		%	0.77		%	0.78		%	0.75		%	0.76		%	0.81		%	0.77		%	0.81		%	0.76		%	0.76		%	0.70		%
Cards Key Indicators (in millions of dollars, except as otherwise noted) (3) (4)
EOP Open Accounts	142.5			140.2			139.9			139.6			137.4			137.2			137.0			137.6			135.0			134.1			133.8			133.8			133.0			128.3			141.8			141.8
Purchase Sales (in billions)	$	75.2		$	81.9		$	82.5		$	89.8		$	79.0		$	88.4		$	87.7		$	92.9		$	83.3		$	88.3		$	87.7		$	94.8		$	83.9		$	91.2		$	90.2		$	99.3
Average Loans (in billions) (5)	$	157.3		$	151.2		$	151.2		$	151.8		$	150.3		$	148.4		$	148.5		$	148.4		$	148.3		$	144.1		$	144.5		$	145.2		$	143.8		$	137.5		$	138.3		$	145.1
EOP Loans (in billions) (5)	$	153.8		$	151.8		$	152.5		$	156.9		$	147.5		$	150.5		$	147.5		$	153.4		$	146.2		$	145.4		$	145.9		$	149.6		$	141.7		$	138.5		$	144.7		$	150.4
Average Yield (6)	15.65		%	15.14		%	14.66		%	14.31		%	14.23		%	14.09		%	13.99		%	13.80		%	13.77		%	13.61		%	13.64		%	13.64		%	13.75		%	13.62		%	13.87		%	13.39		%
Net Interest Revenue (7)	$	4,928		$	4,714		$	4,621		$	4,583		$	4,487		$	4,486		$	4,566		$	4,489		$	4,385		$	4,294		$	4,467		$	4,552		$	4,466		$	4,423		$	4,548		$	4,761
As a % of Average Loans (7)	12.90		%	12.72		%	12.35		%	12.21		%	12.38		%	12.42		%	12.49		%	12.28		%	12.20		%	12.27		%	12.58		%	12.75		%	12.88		%	12.90		%	13.05		%	13.02		%
Net Credit Losses	$	4,142		$	3,915		$	3,513		$	3,241		$	2,685		$	2,432		$	2,153		$	2,029		$	1,899		$	1,763		$	1,623		$	1,564		$	1,571		$	1,486		$	1,394		$	1,417
As a % of Average Loans	10.84		%	10.56		%	9.39		%	8.64		%	7.41		%	6.73		%	5.89		%	5.55		%	5.28		%	5.04		%	4.57		%	4.38		%	4.53		%	4.33		%	4.00		%	3.87		%
Net Credit Margin (8)	$	1,733		$	1,708		$	2,069		$	2,122		$	2,639		$	2,913		$	3,298		$	3,396		$	3,259		$	3,295		$	3,648		$	3,818		$	3,629		$	3,678		$	3,892		$	4,097
As a % of Average Loans (8)	4.54		%	4.61		%	5.53		%	5.65		%	7.28		%	8.06		%	9.02		%	9.29		%	9.06		%	9.41		%	10.27		%	10.70		%	10.47		%	10.73		%	11.16		%	11.20		%
Loans 90+ Days Past Due	$	5,039		$	4,477		$	4,040		$	3,693		$	3,285		$	2,893		$	2,622		$	2,637		$	2,499		$	2,221		$	2,142		$	2,202		$	2,078		$	1,795		$	1,827		$	2,021
As a % of EOP Loans	3.28		%	2.95		%	2.65		%	2.35		%	2.23		%	1.92		%	1.78		%	1.72		%	1.71		%	1.53		%	1.47		%	1.47		%	1.47		%	1.30		%	1.26		%	1.34		%
Loans 30-89 Days Past Due	$	4,940		$	4,392		$	4,160		$	3,866		$	3,502		$	3,205		$	3,072		$	3,035		$	2,694		$	2,400		$	2,385		$	2,397		$	2,198		$	1,882		$	2,106		$	2,171
As a % of EOP Loans	3.21		%	2.89		%	2.73		%	2.46		%	2.37		%	2.13		%	2.08		%	1.98		%	1.84		%	1.65		%	1.63		%	1.60		%	1.55		%	1.36		%	1.46		%	1.44		%

(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 Credicard discontinued operations, the averages used in the ratio calculations have been adjusted to exclude the Credicard discontinued operations. See page 15 for the historically adjusted Latin America amounts related to Credicard.

(4)Includes the impact of adding approximately 13 million credit card accounts and $7 billion of loans related to the previously announced acquisition of Best Buy’s U.S. credit card portfolio in the third quarter of 2013.

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

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

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

(8)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)

																Full	Full	Full	Full
1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	Year	Year	Year	Year
2010	2010	2010	2010	2011	2011	2011	2011	2012	2012	2012	2012	2013	2013	2013	2013	2010	2011	2012	2013

Net Interest Revenue	$	4,678		$	4,455		$	4,355		$	4,274		$	4,173		$	4,159		$	4,235		$	4,217		$	4,094		$	4,002		$	4,149		$	4,215		$	4,151		$	4,065		$	4,136		$	4,306		$	17,762		$	16,784		$	16,460		$	16,658
Non-Interest Revenue	948			978			1,068			860			735			757			833			916			1,073			1,101			1,218			1,098			959			988			603			568			3,854			3,241			4,490			3,118
Total Revenues, Net of Interest Expense	5,626			5,433			5,423			5,134			4,908			4,916			5,068			5,133			5,167			5,103			5,367			5,313			5,110			5,053			4,739			4,874			21,616			20,025			20,950			19,776
Total Operating Expenses	2,276			2,123			2,060			2,182			2,330			2,384			2,461			2,725			2,411			2,522			2,533			2,738			2,495			2,450			2,423			2,482			8,641			9,900			10,204			9,850
Net Credit Losses	3,616			3,480			3,148			2,888			2,372			2,136			1,854			1,739			1,629			1,511			1,351			1,265			1,255			1,190			1,083			1,106			13,132			8,101			5,756			4,634
Credit Reserve Build / (Release)	2			(208		)	(492		)	(621		)	(1,201		)	(1,240		)	(955		)	(785		)	(841		)	(814		)	(519		)	(215		)	(370		)	(351		)	(228		)	(87		)	(1,319		)	(4,181		)	(2,389		)	(1,036		)
Provision for Unfunded Lending Commitments	—			—			—			—			—			(1		)	(1		)	1			—			—			1			—			—			—			3			3			—			(1		)	1			6
Provision for Benefits & Claims	17			14			12			14			17			14			18			13			14			19			19			18			14			13			17			16			57			62			70			60
Provision for Loan Losses and for Benefits and Claims	3,635			3,286			2,668			2,281			1,188			909			916			968			802			716			852			1,068			899			852			875			1,038			11,870			3,981			3,438			3,664
Income from Continuing Operations before Taxes	(285		)	24			695			671			1,390			1,623			1,691			1,440			1,954			1,865			1,982			1,507			1,716			1,751			1,441			1,354			1,105			6,144			7,308			6,262
Income Taxes (benefits)	(118		)	(12		)	251			218			508			567			642			553			699			733			748			564			642			667			547			496			339			2,270			2,744			2,352
Income from Continuing Operations	(167		)	36			444			453			882			1,056			1,049			887			1,255			1,132			1,234			943			1,074			1,084			894			858			766			3,874			4,564			3,910
Noncontrolling Interests	—			—			—			—			—			—			—			—			—			—			1			—			—			1			—			1			—			—			1			2
Net Income	$	(167	)	$	36		$	444		$	453		$	882		$	1,056		$	1,049		$	887		$	1,255		$	1,132		$	1,233		$	943		$	1,074		$	1,083		$	894		$	857		$	766		$	3,874		$	4,563		$	3,908
Average Assets (in billions of dollars)	$	168		$	160		$	161		$	164		$	162		$	162		$	167		$	171		$	169		$	171		$	174		$	175		$	176		$	172		$	173		$	178		$	163		$	166		$	172		$	175
Return on Average Assets	(0.40		)%	0.09		%	1.09		%	1.10		%	2.21		%	2.61		%	2.49		%	2.06		%	2.99		%	2.66		%	2.82		%	2.14		%	2.47		%	2.53		%	2.05		%	1.91		%	0.47		%	2.33		%	2.65		%	2.23		%
Efficiency Ratio	40		%	39		%	38		%	43		%	47		%	48		%	49		%	53		%	47		%	49		%	47		%	52		%	49		%	48		%	51		%	51		%	40		%	49		%	49		%	50		%
Net Credit Losses as a % of Average Loans	9.30		%	9.29		%	8.44		%	7.81		%	6.56		%	5.90		%	4.99		%	4.60		%	4.32		%	4.07		%	3.60		%	3.35		%	3.40		%	3.29		%	2.88		%	2.82		%	8.71		%	5.50		%	3.83		%	3.09		%
Revenue by Business
Retail Banking	$	1,281		$	1,324		$	1,374		$	1,353		$	1,188		$	1,253		$	1,284		$	1,392		$	1,630		$	1,651		$	1,739		$	1,667		$	1,573		$	1,592		$	1,124		$	1,087		$	5,332		$	5,117		$	6,687		$	5,376
Citi-Branded Cards	2,553			2,405			2,404			2,243			2,181			2,151			2,170			2,139			2,046			1,988			2,087			2,113			2,026			1,978			2,087			2,120			9,605			8,641			8,234			8,211
Citi Retail Services	1,792			1,704			1,645			1,538			1,539			1,512			1,614			1,602			1,491			1,464			1,541			1,533			1,511			1,483			1,528			1,667			6,679			6,267			6,029			6,189
Total	$	5,626		$	5,433		$	5,423		$	5,134		$	4,908		$	4,916		$	5,068		$	5,133		$	5,167		$	5,103		$	5,367		$	5,313		$	5,110		$	5,053		$	4,739		$	4,874		$	21,616		$	20,025		$	20,950		$	19,776
Net Credit Losses by Business
Retail Banking	$	75		$	80		$	90		$	96		$	88		$	79		$	65		$	70		$	62		$	62		$	72		$	51		$	55		$	44		$	38		$	47		$	341		$	302		$	247		$	184
Citi-Branded Cards	2,084			2,048			1,880			1,671			1,352			1,231			1,099			986			902			840			745			700			692			665			610			588			7,683			4,668			3,187			2,555
Citi Retail Services	1,457			1,352			1,178			1,121			932			826			690			683			665			609			534			514			508			481			435			471			5,108			3,131			2,322			1,895
Total	$	3,616		$	3,480		$	3,148		$	2,888		$	2,372		$	2,136		$	1,854		$	1,739		$	1,629		$	1,511		$	1,351		$	1,265		$	1,255		$	1,190		$	1,083		$	1,106		$	13,132		$	8,101		$	5,756		$	4,634
Income (loss) from Continuing Operations by Business
Retail Banking	$	147		$	190		$	189		$	176		$	68		$	80		$	103		$	145		$	306		$	309		$	314		$	207		$	212		$	257		$	(37	)	$	(21	)	$	702		$	396		$	1,136		$	411
Citi-Branded Cards	(151		)	(154		)	(28		)	218			453			571			552			477			584			405			546			453			432			440			548			522			(115		)	2,053			1,988			1,942
Citi Retail Services	(163		)	—			283			59			361			405			394			265			365			418			374			283			430			387			383			357			179			1,425			1,440			1,557
Total	$	(167	)	$	36		$	444		$	453		$	882		$	1,056		$	1,049		$	887		$	1,255		$	1,132		$	1,234		$	943		$	1,074		$	1,084		$	894		$	858		$	766		$	3,874		$	4,564		$	3,910

Reclassified to conform to the current period’s presentation.

9

CITICORP
GLOBAL CONSUMER BANKING
NORTH AMERICA
Page 2

	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q
	2010	2010	2010	2010	2011	2011	2011	2011	2012	2012	2012	2012	2013	2013	2013	2013
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	1,003	1,002	1,000	1,001	1,000	1,002	1,005	1,016	1,020	1,015	1,017	999	981	983	983	983
Accounts (in millions)	13.6	13.4	13.3	13.1	13.0	12.9	12.9	12.7	12.5	12.5	12.4	12.4	12.2	12.0	12.1	12.0

Investment Sales	$	2.4		$	2.7		$	2.4		$	2.9		$	3.1		$	2.7		$	2.6		$	2.2		$	2.4		$	2.4		$	2.8		$	2.9		$	4.0		$	3.9		$	3.1		$	3.3
Investment AUMs	$	32.6		$	28.8		$	29.8		$	30.4		$	29.9		$	30.8		$	28.3		$	29.4		$	31.1		$	28.9		$	29.9		$	29.9		$	31.6		$	31.4		$	32.3		$	33.8
Average Deposits	$	144.3		$	145.5		$	145.0		$	144.7		$	143.7		$	144.5		$	145.5		$	147.2		$	149.4		$	151.6		$	154.4		$	160.0		$	163.8		$	165.1		$	166.5		$	168.6
Average Loans	$	32.2		$	30.7		$	29.7		$	29.6		$	31.9		$	33.6		$	35.2		$	37.3		$	40.5		$	41.1		$	41.3		$	42.2		$	43.2		$	41.0		$	42.9		$	43.8
EOP Loans:
Real Estate Lending	$	24.3		$	23.1		$	22.3		$	23.4		$	25.8		$	27.2		$	29.0		$	31.4		$	32.6		$	32.6		$	33.0		$	33.7		$	33.9		$	32.2		$	33.6		$	34.3
Commercial Markets	5.8			5.7			5.8			6.0			6.0			6.2			6.3			6.4			6.9			7.2			7.4			7.9			8.2			8.4			8.5			8.7
Personal and Other	1.4			1.4			1.3			1.3			1.2			1.1			1.2			1.1			1.1			1.1			1.1			1.1			1.0			1.1			1.1			1.1
Total EOP Loans	$	31.5		$	30.2		$	29.4		$	30.7		$	33.0		$	34.5		$	36.5		$	38.9		$	40.6		$	40.9		$	41.5		$	42.7		$	43.1		$	41.7		$	43.2		$	44.1
Mortgage Originations	$	10.3		$	11.2		$	18.6		$	21.8		$	14.1		$	11.0		$	17.0		$	21.4		$	14.3		$	12.9		$	14.5		$	16.8		$	18.0		$	17.2		$	14.5		$	8.3
Third Party Mortgage Servicing Portfolio (EOP)	$	191.2		$	190.8		$	191.4		$	191.9		$	196.0		$	196.5		$	196.6		$	197.9		$	196.7		$	190.8		$	184.9		$	177.2		$	175.8		$	177.9		$	180.3		$	180.6
Net Servicing & Gain/(Loss) on Sale (in millions)	$	207.8		$	271.7		$	344.3		$	282.4		$	129.0		$	126.5		$	186.5		$	295.0		$	532.6		$	637.0		$	684.2		$	614.5		$	561.6		$	588.5		$	167.0		$	142.9
Saleable Mortgage Rate Locks	$	9.8		$	12.3		$	19.1		$	13.4		$	9.3		$	9.5		$	16.5		$	16.2		$	12.1		$	11.5		$	15.8		$	12.7		$	14.3		$	13.0		$	7.1		$	4.5
Net Interest Revenue on Loans (in millions)	$	168		$	163		$	164		$	134		$	169		$	179		$	176		$	185		$	190		$	197		$	210		$	239		$	243		$	242		$	232		$	234
As a % of Avg. Loans	2.12		%	2.13		%	2.19		%	1.80		%	2.15		%	2.14		%	1.98		%	1.97		%	1.89		%	1.93		%	2.02		%	2.25		%	2.28		%	2.37		%	2.15		%	2.12		%
Net Credit Losses (in millions)	$	75		$	80		$	90		$	96		$	88		$	79		$	65		$	70		$	62		$	62		$	72		$	51		$	55		$	44		$	38		$	47
As a % of Avg. Loans	0.94		%	1.05		%	1.20		%	1.29		%	1.12		%	0.94		%	0.73		%	0.74		%	0.62		%	0.61		%	0.69		%	0.48		%	0.52		%	0.43		%	0.35		%	0.43		%
Loans 90+ Days Past Due (in millions) (1)	$	139		$	190		$	221		$	228		$	241		$	211		$	232		$	235		$	260		$	294		$	291		$	280		$	282		$	285		$	277		$	257
As a % of EOP Loans	0.44		%	0.63		%	0.77		%	0.76		%	0.75		%	0.63		%	0.66		%	0.63		%	0.66		%	0.74		%	0.72		%	0.68		%	0.68		%	0.71		%	0.66		%	0.60		%
Loans 30-89 Days Past Due (in millions) (1)	$	238		$	235		$	243		$	212		$	185		$	209		$	218		$	213		$	183		$	215		$	230		$	223		$	226		$	217		$	209		$	205
As a % of EOP Loans	0.76		%	0.78		%	0.85		%	0.71		%	0.58		%	0.62		%	0.62		%	0.57		%	0.47		%	0.54		%	0.57		%	0.54		%	0.54		%	0.54		%	0.50		%	0.48		%

(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, $742 million and ($1.4 billion), $736 million and ($1.5 billion), $728 million and ($1.3 billion), $733 million and ($1.3 billion) and $690 million and ($1.2 billion), as of December 31, 2012, March 31, 2013, June 30, 2013, September 30, 2013 and December 31, 2013, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) were $122 million and ($1.4 billion), $121 million and ($1.5 billion), $144 million and ($1.3 billion), $146 million and ($1.3 billion) and $141 million and ($1.2 billion), as of December 31, 2012, March 31, 2013, June 30, 2013, September 30, 2013 and December 31, 2013,  respectively.

Reclassified to conform to the current period’s presentation.

10

CITICORP GLOBAL CONSUMER BANKING NORTH AMERICA Page 3

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013
Citi-Branded Cards Key Indicators (in millions of dollars, except as otherwise noted) (1)
EOP Open Accounts (in millions)	22.4			21.9			21.8			21.8			21.7			21.8			22.2			22.6			22.7			22.9			23.1			23.2			23.4			23.6			23.8			23.9
Purchase Sales (in billions)	$	37.1		$	40.3		$	39.9		$	41.4		$	37.2		$	40.8		$	40.5		$	42.1		$	38.2		$	40.8		$	40.3		$	41.6		$	38.2		$	41.9		$	41.7		$	43.4
Average Loans (in billions) (1)	$	80.5		$	77.4		$	77.3		$	76.5		$	75.1		$	73.6		$	74.0		$	74.4		$	73.5		$	71.7		$	71.5		$	71.1		$	69.7		$	68.4		$	68.4		$	68.2
EOP Loans (in billions) (1)	$	79.0		$	78.5		$	77.9		$	78.8		$	74.5		$	75.0		$	75.1		$	77.2		$	72.7		$	72.7		$	72.2		$	72.9		$	69.2		$	69.3		$	68.8		$	70.5
Average Yield (2)	13.01		%	12.26		%	11.67		%	11.33		%	11.14		%	10.50		%	10.35		%	10.13		%	10.19		%	9.96		%	9.94		%	10.02		%	10.23		%	10.11		%	10.22		%	10.33		%
Net Interest Revenue (3)	$	2,117		$	1,955		$	1,943		$	1,932		$	1,807		$	1,732		$	1,738		$	1,708		$	1,670		$	1,609		$	1,664		$	1,687		$	1,649		$	1,645		$	1,690		$	1,708
As a % of Avg. Loans (3)	10.67		%	10.13		%	9.97		%	10.02		%	9.76		%	9.44		%	9.32		%	9.11		%	9.14		%	9.03		%	9.26		%	9.44		%	9.59		%	9.65		%	9.80		%	9.94		%
Net Credit Losses	$	2,084		$	2,048		$	1,880		$	1,671		$	1,352		$	1,231		$	1,099		$	986		$	902		$	840		$	745		$	700		$	692		$	665		$	610		$	588
As a % of Average Loans	10.50		%	10.61		%	9.65		%	8.67		%	7.30		%	6.71		%	5.89		%	5.26		%	4.94		%	4.71		%	4.15		%	3.92		%	4.03		%	3.90		%	3.54		%	3.42		%
Net Credit Margin (4)	$	462		$	352		$	517		$	567		$	824		$	916		$	1,064		$	1,147		$	1,140		$	1,142		$	1,334		$	1,405		$	1,329		$	1,310		$	1,470		$	1,527
As a % of Avg. Loans (4)	2.33		%	1.82		%	2.65		%	2.94		%	4.45		%	4.99		%	5.70		%	6.12		%	6.24		%	6.41		%	7.42		%	7.86		%	7.73		%	7.68		%	8.53		%	8.88		%
Loans 90+ Days Past Due	$	2,304		$	2,130		$	1,807		$	1,597		$	1,435		$	1,214		$	1,063		$	1,016		$	982		$	830		$	760		$	786		$	732		$	663		$	628		$	681
As a % of EOP Loans	2.92		%	2.71		%	2.32		%	2.03		%	1.93		%	1.62		%	1.42		%	1.32		%	1.35		%	1.14		%	1.05		%	1.08		%	1.06		%	0.96		%	0.91		%	0.97		%
Loans 30-89 Days Past Due	$	2,144		$	1,828		$	1,687		$	1,540		$	1,335		$	1,142		$	1,106		$	1,078		$	887		$	744		$	744		$	771		$	679		$	588		$	650		$	661
As a % of EOP Loans	2.71		%	2.33		%	2.17		%	1.95		%	1.79		%	1.52		%	1.47		%	1.40		%	1.22		%	1.02		%	1.03		%	1.06		%	0.98		%	0.85		%	0.94		%	0.94		%
Citi Retail Services Key Indicators (in millions of dollars, except as otherwise noted) (1) (5)
EOP Open Accounts	90.9			89.3			88.5			87.8			85.5			84.8			83.6			83.6			80.9			79.9			79.3			78.9			77.8			76.1			89.7			90.0
Purchase Sales (in billions)	$	15.8		$	18.4		$	17.7		$	20.5		$	15.2		$	18.5		$	17.7		$	20.5		$	15.5		$	18.1		$	17.5		$	20.4		$	15.3		$	18.3		$	18.1		$	23.3
Average Loans (in billions) (1)	$	45.0		$	42.1		$	41.0		$	40.7		$	39.6		$	38.1		$	38.1		$	38.3		$	37.6		$	36.5		$	36.5		$	37.0		$	36.7		$	35.8		$	37.8		$	43.6
EOP Loans (in billions) (1)	$	42.9		$	41.7		$	40.8		$	42.2		$	37.4		$	38.3		$	37.9		$	39.9		$	36.7		$	36.6		$	36.6		$	38.6		$	35.4		$	36.0		$	43.0		$	46.3
Average Yield (2)	18.57		%	18.66		%	18.37		%	17.84		%	18.17		%	18.23		%	18.38		%	18.02		%	18.19		%	18.14		%	18.26		%	18.04		%	18.28		%	17.89		%	17.33		%	16.34		%
Net Interest Revenue (3)	$	1,708		$	1,660		$	1,601		$	1,504		$	1,531		$	1,551		$	1,637		$	1,625		$	1,566		$	1,543		$	1,634		$	1,660		$	1,652		$	1,587		$	1,682		$	1,860
As a % of Avg. Loans (3)	15.39		%	15.82		%	15.49		%	14.66		%	15.68		%	16.33		%	17.05		%	16.83		%	16.75		%	17.00		%	17.81		%	17.85		%	18.26		%	17.78		%	17.65		%	16.93		%
Net Credit Losses	$	1,457		$	1,352		$	1,178		$	1,121		$	932		$	826		$	690		$	683		$	665		$	609		$	534		$	514		$	508		$	481		$	435		$	471
As a % of Average Loans	13.13		%	12.88		%	11.40		%	10.93		%	9.54		%	8.70		%	7.19		%	7.08		%	7.11		%	6.71		%	5.82		%	5.53		%	5.61		%	5.39		%	4.57		%	4.29		%
Net Credit Margin (4)	$	326		$	342		$	462		$	408		$	595		$	676		$	913		$	910		$	816		$	842		$	997		$	1,009		$	994		$	993		$	1,082		$	1,185
As a % of Avg. Loans (4)	2.94		%	3.26		%	4.47		%	3.98		%	6.09		%	7.12		%	9.51		%	9.43		%	8.73		%	9.28		%	10.87		%	10.85		%	10.98		%	11.13		%	11.36		%	10.78		%
Loans 90+ Days Past Due	$	1,883		$	1,549		$	1,450		$	1,352		$	1,110		$	913		$	902		$	951		$	845		$	721		$	716		$	721		$	651		$	556		$	650		$	771
As a % of EOP Loans	4.39		%	3.71		%	3.55		%	3.20		%	2.97		%	2.38		%	2.38		%	2.38		%	2.30		%	1.97		%	1.96		%	1.87		%	1.84		%	1.54		%	1.51		%	1.67		%
Loans 30-89 Days Past Due	$	1,844		$	1,665		$	1,617		$	1,458		$	1,277		$	1,171		$	1,205		$	1,178		$	995		$	852		$	823		$	789		$	685		$	615		$	799		$	830
As a % of EOP Loans	4.30		%	3.99		%	3.96		%	3.45		%	3.41		%	3.06		%	3.18		%	2.95		%	2.71		%	2.33		%	2.25		%	2.04		%	1.94		%	1.71		%	1.86		%	1.79		%

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

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

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

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

(5)  Includes the impact of adding approximately 13 million credit card accounts and $7 billion of loans related to the previously announced acquisition of Best Buy’s U.S. credit card portfolio in the third quarter of 2013.

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)

																																																	Full			Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013			2010			2011			2012			2013
Net Interest Revenue	$	239		$	220		$	214		$	231		$	234		$	240		$	225		$	216		$	253		$	248		$	251		$	258		$	246		$	237		$	226		$	239		$	904		$	915		$	1,010		$	948
Non-Interest Revenue	174			157			136			158			180			163			146			125			116			110			123			126			122			127			133			119			625			614			475			501
Total Revenues, Net of Interest Expense	413			377			350			389			414			403			371			341			369			358			374			384			368			364			359			358			1,529			1,529			1,485			1,449
Total Operating Expenses	299			284			320			338			325			361			351			332			368			347			344			410			353			342			315			349			1,241			1,369			1,469			1,359
Net Credit Losses	96			84			63			72			49			46			49			28			29			14			29			33			29			(1		)	21			19			315			172			105			68
Credit Reserve Build / (Release)	(11		)	(46		)	(48		)	(13		)	(34		)	(55		)	(32		)	3			(5		)	(13		)	2			11			(11		)	(9		)	3			(1		)	(118		)	(118		)	(5		)	(18		)
Provision for Unfunded Lending Commitments	1			(4		)	—			—			—			4			1			(1		)	(1		)	—			—			—			1			(1		)	—			—			(3		)	4			(1		)	—
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—
Provision for Loan Losses and for Benefits and Claims (LLR & PBC)	86			34			15			59			15			(5		)	18			30			23			1			31			44			19			(11		)	24			18			194			58			99			50
Income (loss) from Continuing Operations before Taxes	28			59			15			(8		)	74			47			2			(21		)	(22		)	10			(1		)	(70		)	(4		)	33			20			(9		)	94			102			(83		)	40
Income Taxes (benefits)	9			19			5			(7		)	26			23			2			(8		)	(3		)	4			(1		)	(22		)	(5		)	11			7			(8		)	26			43			(22		)	5
Income from Continuing Operations	19			40			10			(1		)	48			24			—			(13		)	(19		)	6			—			(48		)	1			22			13			(1		)	68			59			(61		)	35
Noncontrolling Interests	—			—			(1		)	—			—			2			1			(3		)	1			1			2			—			3			5			3			—			(1		)	—			4			11
Net Income	$	19		$	40		$	11		$	(1	)	$	48		$	22		$	(1	)	$	(10	)	$	(20	)	$	5		$	(2	)	$	(48	)	$	(2	)	$	17		$	10		$	(1	)	$	69		$	59		$	(65	)	$	24
Average Assets (in billions of dollars)	$	10		$	10		$	10		$	10		$	10		$	10		$	10		$	10		$	9		$	9		$	9		$	9		$	10		$	10		$	9		$	9		$	10		$	10		$	9		$	10
Return on Average Assets	0.77		%	1.60		%	0.44		%	(0.04		)%	1.95		%	0.88		%	(0.04		)%	(0.40		)%	(0.89		)%	0.22		%	(0.09		)%	(2.12		)%	(0.08		)%	0.68		%	0.44		%	(0.04		)%	0.69		%	0.59		%	(0.72		)%	0.24		%
Efficiency Ratio	72		%	75		%	91		%	87		%	79		%	90		%	95		%	97		%	100		%	97		%	92		%	107		%	96		%	94		%	88		%	97		%	81		%	90		%	99		%	94		%
Net Credit Losses as a % of Average Loans	5.12		%	4.88		%	3.52		%	4.14		%	2.72		%	2.46		%	2.70		%	1.59		%	1.62		%	0.75		%	1.54		%	1.66		%	1.47		%	(0.05		)%	1.08		%	0.94		%	4.44		%	2.36		%	1.40		%	0.85		%
Revenue by Business
Retail Banking	$	233		$	210		$	190		$	228		$	239		$	230		$	210		$	195		$	216		$	210		$	220		$	227		$	215		$	214		$	219		$	220		$	861		$	874		$	873		$	868
Citi-Branded Cards	180			167			160			161			175			173			161			146			153			148			154			157			153			150			140			138			668			655			612			581
Total	$	413		$	377		$	350		$	389		$	414		$	403		$	371		$	341		$	369		$	358		$	374		$	384		$	368		$	364		$	359		$	358		$	1,529		$	1,529		$	1,485		$	1,449
Net Credit Losses by Business
Retail Banking	$	46		$	45		$	32		$	43		$	23		$	23		$	29		$	12		$	12		$	7		$	12		$	15		$	9		$	(2	)	$	11		$	8		$	166		$	87		$	46		$	26
Citi-Branded Cards	50			39			31			29			26			23			20			16			17			7			17			18			20			1			10			11			149			85			59			42
Total	$	96		$	84		$	63		$	72		$	49		$	46		$	49		$	28		$	29		$	14		$	29		$	33		$	29		$	(1	)	$	21		$	19		$	315		$	172		$	105		$	68
Income (loss) from Continuing Operations by Business
Retail Banking	$	(14	)	$	(2	)	$	(31	)	$	(30	)	$	7		$	(17	)	$	(27	)	$	(24	)	$	(30	)	$	(14	)	$	(18	)	$	(47	)	$	(13	)	$	(5	)	$	(7	)	$	(17	)	$	(77	)	$	(61	)	$	(109	)	$	(42	)
Citi-Branded Cards	33			42			41			29			41			41			27			11			11			20			18			(1		)	14			27			20			16			145			120			48			77
Total	$	19		$	40		$	10		$	(1	)	$	48		$	24		$	—		$	(13	)	$	(19	)	$	6		$	—		$	(48	)	$	1		$	22		$	13		$	(1	)	$	68		$	59		$	(61	)	$	35
FX Translation Impact:
Total Revenue - as Reported	$	413		$	377		$	350		$	389		$	414		$	403		$	371		$	341		$	369		$	358		$	374		$	384		$	368		$	364		$	359		$	358		$	1,529		$	1,529		$	1,485		$	1,449
Impact of FX Translation (1)	(25		)	(7		)	(13		)	(15		)	(24		)	(37		)	(18		)	1			(9		)	5			4			(5		)	(3		)	4			5			—			(71		)	(90		)	(15		)
Total Revenues - Ex-FX (2)	$	388		$	370		$	337		$	374		$	390		$	366		$	353		$	342		$	360		$	363		$	378		$	379		$	365		$	368		$	364		$	358		$	1,458		$	1,439		$	1,470		$	1,449
Total Operating Expenses - as Reported	$	299		$	284		$	320		$	338		$	325		$	361		$	351		$	332		$	368		$	347		$	344		$	410		$	353		$	342		$	315		$	349		$	1,241		$	1,369		$	1,469		$	1,359
Impact of FX Translation (1)	(20		)	(6		)	(14		)	(17		)	(25		)	(37		)	(19		)	(2		)	(10		)	4			1			(7		)	(3		)	5			5			—			(62		)	(89		)	(20		)	—
Total Operating Expenses - Ex-FX (2)	$	279		$	278		$	306		$	321		$	300		$	324		$	332		$	330		$	358		$	351		$	345		$	403		$	350		$	347		$	320		$	349		$	1,179		$	1,280		$	1,449		$	1,359
Provisions for LLR & PBC - as Reported	$	86		$	34		$	15		$	59		$	15		$	(5	)	$	18		$	30		$	23		$	1		$	31		$	44		$	19		$	(11	)	$	24		$	18		$	194		$	58		$	99		$	50
Impact of FX Translation (1)	(6		)	4			4			(4		)	—			1			(1		)	—			—			2			(1		)	(2		)	(1		)	—			—			—			(6		)	(3		)	(1		)	—
Provisions for LLR & PBC - Ex-FX (2)	$	80		$	38		$	19		$	55		$	15		$	(4	)	$	17		$	30		$	23		$	3		$	30		$	42		$	18		$	(11	)	$	24		$	18		$	188		$	55		$	98		$	50
Net Income - as Reported	$	19		$	40		$	11		$	(1	)	$	48		$	22		$	(1	)	$	(10	)	$	(20	)	$	5		$	(2	)	$	(48	)	$	(2	)	$	17		$	10		$	(1	)	$	69		$	59		$	(65	)	$	24
Impact of FX Translation (1)	1			(5		)	(2		)	4			—			(1		)	—			2			3			(1		)	3			3			1			—			(1		)	—			(2		)	1			5			—
Net Income - Ex-FX (2)	$	20		$	35		$	9		$	3		$	48		$	21		$	(1	)	$	(8	)	$	(17	)	$	4		$	1		$	(45	)	$	(1	)	$	17		$	9		$	(1	)	$	67		$	60		$	(60	)	$	24

(1)  Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the fourth 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.

12

CITICORP GLOBAL CONSUMER BANKING EMEA - PAGE 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	315			309			305			303			302			301			299			296			286			240			234			228			222			222			201			172
Accounts (in millions)	4.0			4.0			4.1			4.0			3.9			4.0			4.0			4.0			4.0			4.0			3.9			3.9			3.9			3.8			3.6			3.4
Average Deposits	$	14.6		$	13.8		$	13.7		$	12.7		$	12.7		$	12.9		$	12.4		$	12.0		$	12.5		$	12.4		$	12.7		$	12.7		$	13.0		$	13.0		$	12.0		$	12.5
Investment Sales	$	0.7		$	0.7		$	0.6		$	0.9		$	1.0		$	0.9		$	0.9		$	0.8		$	1.0		$	0.8		$	1.1		$	1.3		$	1.1		$	1.0		$	0.7		$	0.9
Investment AUMs	$	4.6		$	4.2		$	4.7		$	4.9		$	5.3		$	5.5		$	4.8		$	4.7		$	5.3		$	5.0		$	5.4		$	5.8		$	6.0		$	6.2		$	6.2		$	6.5
Average Loans	$	4.7		$	4.2		$	4.3		$	4.1		$	4.4		$	4.5		$	4.4		$	4.3		$	4.4		$	4.7		$	4.7		$	5.0		$	5.1		$	5.3		$	5.6		$	5.6
EOP Loans:
Real Estate Lending	$	0.1		$	0.1		$	0.1		$	0.1		$	0.2		$	0.2		$	0.2		$	0.2		$	0.2		$	0.2		$	0.3		$	0.3		$	0.3		$	0.3		$	0.4		$	0.4
Commercial Markets	1.6			1.4			1.7			1.6			1.9			2.0			1.8			1.8			1.8			1.9			2.1			2.1			2.2			2.3			2.6			2.6
Personal and Other	2.9			2.5			2.6			2.5			2.4			2.5			2.3			2.2			2.5			2.5			2.5			2.7			2.7			2.7			2.5			2.6
Total EOP Loans	$	4.6		$	4.0		$	4.4		$	4.2		$	4.5		$	4.7		$	4.3		$	4.2		$	4.5		$	4.6		$	4.9		$	5.1		$	5.2		$	5.3		$	5.5		$	5.6
Net Interest Revenue (in millions) (1)	$	120		$	106		$	99		$	120		$	119		$	122		$	114		$	112		$	139		$	138		$	140		$	142		$	135		$	130		$	124		$	135
As a % of Average Loans (1)	10.35		%	10.12		%	9.13		%	11.61		%	10.97		%	10.87		%	10.28		%	10.33		%	12.71		%	11.81		%	11.85		%	11.30		%	10.74		%	9.84		%	8.78		%	9.56		%
Net Credit Losses (in millions)	$	46		$	45		$	32		$	43		$	23		$	23		$	29		$	12		$	12		$	7		$	12		$	15		$	9		$	(2	)	$	11		$	8
As a % of Average Loans	3.97		%	4.30		%	2.95		%	4.16		%	2.12		%	2.05		%	2.61		%	1.11		%	1.10		%	0.60		%	1.02		%	1.19		%	0.72		%	(0.15		)%	0.78		%	0.57		%
Loans 90+ Days Past Due (in millions)	$	108		$	109		$	106		$	84		$	77		$	76		$	65		$	59		$	62		$	49		$	50		$	48		$	43		$	41		$	38		$	34
As a % of EOP Loans	2.35		%	2.73		%	2.41		%	2.00		%	1.71		%	1.62		%	1.51		%	1.40		%	1.38		%	1.07		%	1.02		%	0.94		%	0.83		%	0.77		%	0.69		%	0.61		%
Loans 30-89 Days Past Due (in millions)	$	203		$	158		$	156		$	136		$	143		$	132		$	107		$	94		$	92		$	78		$	79		$	77		$	70		$	68		$	57		$	51
As a % of EOP Loans	4.41		%	3.95		%	3.55		%	3.24		%	3.18		%	2.81		%	2.49		%	2.24		%	2.04		%	1.70		%	1.61		%	1.51		%	1.35		%	1.28		%	1.04		%	0.91		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)	2.6			2.4			2.5			2.5			2.5			2.5			2.6			2.6			2.6			2.6			2.5			2.8			2.8			2.8			2.2			2.1
Purchase Sales (in billions)	$	2.1		$	2.2		$	2.3		$	2.5		$	2.3		$	2.7		$	2.6		$	2.7		$	2.7		$	2.8		$	2.8		$	3.1		$	2.9		$	3.0		$	2.5		$	2.6
Average Loans (2)	$	2.9		$	2.7		$	2.8		$	2.8		$	2.9		$	3.0		$	2.8		$	2.7		$	2.8		$	2.8		$	2.8		$	2.9		$	2.9		$	2.8		$	2.1		$	2.4
EOP Loans (2)	$	2.9		$	2.6		$	2.9		$	2.8		$	2.9		$	3.0		$	2.7		$	2.7		$	2.9		$	2.8		$	2.9		$	2.9		$	2.8		$	2.8		$	2.4		$	2.4
Average Yield (3)	20.52		%	19.83		%	19.94		%	20.54		%	20.61		%	19.86		%	20.14		%	19.81		%	19.71		%	19.17		%	19.24		%	19.10		%	18.87		%	18.42		%	20.96		%	18.86		%
Net Interest Revenue (in millions) (4)	$	119		$	114		$	115		$	111		$	115		$	118		$	111		$	104		$	114		$	110		$	111		$	116		$	111		$	107		$	102		$	104
As a % of Avg. Loans (4)	16.64		%	16.94		%	16.29		%	15.73		%	16.08		%	15.78		%	15.73		%	15.28		%	16.38		%	15.80		%	15.77		%	15.91		%	15.52		%	15.33		%	19.27		%	17.19		%
Net Credit Losses (in millions)	$	50		$	39		$	31		$	29		$	26		$	23		$	20		$	16		$	17		$	7		$	17		$	18		$	20		$	1		$	10		$	11
As a % of Average Loans	6.99		%	5.79		%	4.39		%	4.11		%	3.64		%	3.08		%	2.83		%	2.35		%	2.44		%	1.01		%	2.42		%	2.47		%	2.80		%	0.14		%	1.89		%	1.82		%
Net Credit Margin (in millions) (5)	$	130		$	128		$	129		$	132		$	149		$	150		$	141		$	130		$	136		$	141		$	137		$	139		$	133		$	149		$	130		$	127
As a % of Avg. Loans (5)	18.18		%	19.02		%	18.28		%	18.70		%	20.84		%	20.05		%	19.98		%	19.10		%	19.54		%	20.25		%	19.47		%	19.07		%	18.60		%	21.34		%	24.56		%	20.99		%
Loans 90+ Days Past Due (in millions)	$	78		$	72		$	69		$	58		$	60		$	54		$	47		$	44		$	43		$	43		$	45		$	48		$	45		$	44		$	34		$	32
As a % of EOP Loans	2.69		%	2.77		%	2.38		%	2.07		%	2.07		%	1.80		%	1.74		%	1.63		%	1.48		%	1.54		%	1.55		%	1.66		%	1.61		%	1.57		%	1.42		%	1.33		%
Loans 30-89 Days Past Due (in millions)	$	114		$	90		$	86		$	72		$	78		$	72		$	63		$	59		$	65		$	61		$	68		$	63		$	60		$	57		$	44		$	42
As a % of EOP Loans	3.93		%	3.46		%	2.97		%	2.57		%	2.69		%	2.40		%	2.33		%	2.19		%	2.24		%	2.18		%	2.34		%	2.17		%	2.14		%	2.04		%	1.83		%	1.75		%

(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.

13

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

																																																	Full			Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013			2010			2011			2012			2013
Net Interest Revenue	$	1,342		$	1,337		$	1,359		$	1,419		$	1,427		$	1,470		$	1,498		$	1,460		$	1,484		$	1,469		$	1,527		$	1,561		$	1,542		$	1,575		$	1,575		$	1,594		$	5,457		$	5,855		$	6,041		$	6,286
Non-Interest Revenue	566			601			667			645			658			718			664			658			698			618			658			727			766			758			697			809			2,479			2,698			2,701			3,030
Total Revenues, Net of Interest Expense	1,908			1,938			2,026			2,064			2,085			2,188			2,162			2,118			2,182			2,087			2,185			2,288			2,308			2,333			2,272			2,403			7,936			8,553			8,742			9,316
Total Operating Expenses	1,073			1,188			1,163			1,263			1,227			1,352			1,340			1,278			1,258			1,256			1,295			1,492			1,341			1,351			1,319			1,381			4,687			5,197			5,301			5,392
Net Credit Losses	447			403			392			390			333			327			312			361			333			315			351			406			419			416			434			458			1,632			1,333			1,405			1,727
Credit Reserve Build / (Release)	(145		)	(240		)	(276		)	(159		)	(159		)	(35		)	44			(3		)	91			95			36			32			38			104			168			66			(820		)	(153		)	254			376
Provision for Unfunded Lending Commitments	—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—
Provision for Benefits & Claims	36			22			32			37			38			22			38			32			44			31			46			46			49			33			34			36			127			130			167			152
Provision for Loan Losses and for Benefits and Claims (LLR & PBC)	338			185			148			268			212			314			394			390			468			441			433			484			506			553			636			560			939			1,310			1,826			2,255
Income from Continuing Operations before Taxes	497			565			715			533			646			522			428			450			456			390			457			312			461			429			317			462			2,310			2,046			1,615			1,669
Income Taxes	127			110			209			112			168			108			91			68			103			77			105			(52		)	105			83			53			91			558			435			233			332
Income from Continuing Operations	370			455			506			421			478			414			337			382			353			313			352			364			356			346			264			371			1,752			1,611			1,382			1,337
Noncontrolling Interests	(5		)	—			(3		)	—			(2		)	1			—			1			—			(2		)	—			—			2			—			1			1			(8		)	—			(2		)	4
Net Income	$	375		$	455		$	509		$	421		$	480		$	413		$	337		$	381		$	353		$	315		$	352		$	364		$	354		$	346		$	263		$	370		$	1,760		$	1,611		$	1,384		$	1,333
Average Assets (in billions of dollars)	$	70		$	72		$	73		$	74		$	77		$	83		$	80		$	78		$	82		$	78		$	79		$	82		$	86		$	80		$	80		$	81		$	72		$	80		$	80		$	82
Return on Average Assets (1)	2.27		%	2.65		%	2.91		%	2.38		%	2.67		%	2.11		%	1.77		%	2.05		%	1.83		%	1.71		%	1.86		%	1.85		%	1.75		%	1.73		%	1.30		%	1.81		%	2.57		%	2.13		%	1.82		%	1.70		%
Efficiency Ratio	56		%	61		%	57		%	61		%	59		%	62		%	62		%	60		%	58		%	60		%	59		%	65		%	58		%	58		%	58		%	57		%	59		%	61		%	61		%	58		%
Net Credit Losses as a % of Average Loans (1)	6.87		%	5.96		%	5.53		%	5.23		%	4.38		%	3.95		%	3.76		%	4.35		%	3.71		%	3.59		%	3.77		%	4.20		%	4.19		%	4.06		%	4.22		%	4.33		%	6.04		%	4.11		%	3.84		%	4.49		%
Revenue by Business																																																��
Retail Banking	$	1,204		$	1,245		$	1,307		$	1,343		$	1,357		$	1,425		$	1,416		$	1,364		$	1,468		$	1,397		$	1,465		$	1,511		$	1,544		$	1,544		$	1,483		$	1,562		$	5,099		$	5,562		$	5,841		$	6,133
Citi-Branded Cards	704			693			719			721			728			763			746			754			714			690			720			777			764			789			789			841			2,837			2,991			2,901			3,183
Total	$	1,908		$	1,938		$	2,026		$	2,064		$	2,085		$	2,188		$	2,162		$	2,118		$	2,182		$	2,087		$	2,185		$	2,288		$	2,308		$	2,333		$	2,272		$	2,403		$	7,936		$	8,553		$	8,742		$	9,316
Net Credit Losses by Business
Retail Banking	$	91		$	96		$	129		$	123		$	103		$	117		$	113		$	142		$	143		$	135		$	160		$	210		$	207		$	204		$	209		$	224		$	439		$	475		$	648		$	844
Citi-Branded Cards	356			307			263			267			230			210			199			219			190			180			191			196			212			212			225			234			1,193			858			757			883
Total	$	447		$	403		$	392		$	390		$	333		$	327		$	312		$	361		$	333		$	315		$	351		$	406		$	419		$	416		$	434		$	458		$	1,632		$	1,333		$	1,405		$	1,727
Income (loss) from Continuing Operations by Business
Retail Banking	$	230		$	250		$	251		$	211		$	293		$	234		$	166		$	201		$	198		$	219		$	203		$	217		$	228		$	190		$	123		$	211		$	942		$	894		$	837		$	752
Citi-Branded Cards	140			205			255			210			185			180			171			181			155			94			149			147			128			156			141			160			810			717			545			585
Total	$	370		$	455		$	506		$	421		$	478		$	414		$	337		$	382		$	353		$	313		$	352		$	364		$	356		$	346		$	264		$	371		$	1,752		$	1,611		$	1,382		$	1,337
FX Translation Impact:
Total Revenue - as Reported	$	1,908		$	1,938		$	2,026		$	2,064		$	2,085		$	2,188		$	2,162		$	2,118		$	2,182		$	2,087		$	2,185		$	2,288		$	2,308		$	2,333		$	2,272		$	2,403		$	7,936		$	8,553		$	8,742		$	9,316
Impact of FX Translation (2)	(89		)	(98		)	(101		)	(146		)	(182		)	(250		)	(145		)	(26		)	(103		)	(5		)	(40		)	(56		)	(105		)	(80		)	(1		)	—			(295		)	(477		)	(33		)	—
Total Revenues - Ex-FX (3)	$	1,819		$	1,840		$	1,925		$	1,918		$	1,903		$	1,938		$	2,017		$	2,092		$	2,079		$	2,082		$	2,145		$	2,232		$	2,203		$	2,253		$	2,271		$	2,403		$	7,641		$	8,076		$	8,709		$	9,316
Total Operating Expenses - as Reported	$	1,073		$	1,188		$	1,163		$	1,263		$	1,227		$	1,352		$	1,340		$	1,278		$	1,258		$	1,256		$	1,295		$	1,492		$	1,341		$	1,351		$	1,319		$	1,381		$	4,687		$	5,197		$	5,301		$	5,392
Impact of FX Translation (2)	(63		)	(73		)	(73		)	(110		)	(119		)	(163		)	(99		)	(37		)	(73		)	(16		)	(29		)	(48		)	(61		)	(42		)	(1		)	—			(222		)	(326		)	(62		)	—
Total Operating Expenses - Ex-FX (3)	$	1,010		$	1,115		$	1,090		$	1,153		$	1,108		$	1,189		$	1,241		$	1,241		$	1,185		$	1,240		$	1,266		$	1,444		$	1,280		$	1,309		$	1,318		$	1,381		$	4,465		$	4,871		$	5,239		$	5,392
Provisions for LLR & PBC - as Reported	$	338		$	185		$	148		$	268		$	212		$	314		$	394		$	390		$	468		$	441		$	433		$	484		$	506		$	553		$	636		$	560		$	939		$	1,310		$	1,826		$	2,255
Impact of FX Translation (2)	(15		)	(14		)	(13		)	(22		)	(27		)	(46		)	(34		)	(12		)	(34		)	(5		)	(10		)	(14		)	(25		)	(19		)	1			—			(44		)	(104		)	(19		)	—
Provisions for LLR & PBC - Ex-FX (3)	$	323		$	171		$	135		$	246		$	185		$	268		$	360		$	378		$	434		$	436		$	423		$	470		$	481		$	534		$	637		$	560		$	895		$	1,206		$	1,807		$	2,255
Net Income - as Reported	$	375		$	455		$	509		$	421		$	480		$	413		$	337		$	381		$	353		$	315		$	352		$	364		$	354		$	346		$	263		$	370		$	1,760		$	1,611		$	1,384		$	1,333
Impact of FX Translation (1)	(15		)	(11		)	(13		)	(2		)	(6		)	(60		)	(23		)	(15		)	(14		)	10			(5		)	8			(11		)	(12		)	(7		)	—			(24		)	(82		)	25			—
Net Income - Ex-FX (2)	$	360		$	444		$	496		$	419		$	474		$	353		$	314		$	366		$	339		$	325		$	347		$	372		$	343		$	334		$	256		$	370		$	1,736		$	1,529		$	1,409		$	1,333

(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 Credicard discontinued operations, the averages used in the ratio calculations have been adjusted to exclude the Credicard discontinued operations. See page 15 for the historically adjusted Latin America amounts related to Credicard.

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

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

Reclassified to conform to the current period’s presentation.

14

CITICORP GLOBAL CONSUMER BANKING LATIN AMERICA - PAGE 2

	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q
	2010	2010	2010	2010	2011	2011	2011	2011	2012	2012	2012	2012	2013	2013	2013	2013
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	2,145	2,151	2,161	2,191	2,196	2,210	2,215	2,220	2,201	2,200	2,200	2,181	2,139	2,040	2,031	2,021
Accounts (in millions)	26.8	27.0	27.2	27.4	27.8	28.4	28.8	29.2	31.1	31.9	32.1	31.8	31.8	32.2	32.0	32.2

Average Deposits	$	39.2		$	39.4		$	40.3		$	42.1		$	45.3		$	47.8		$	45.5		$	44.4		$	45.5		$	43.4		$	44.1		$	44.9		$	45.7		$	45.1		$	45.0		$	46.7
Investment Sales	$	7.7		$	7.0		$	6.8		$	9.8		$	8.4		$	8.2		$	7.6		$	7.4		$	9.8		$	9.3		$	10.4		$	9.9		$	11.0		$	11.8		$	11.3		$	10.8
Investment AUMs	$	44.2		$	44.7		$	48.9		$	51.5		$	54.7		$	57.9		$	50.9		$	52.7		$	59.4		$	58.7		$	65.3		$	65.7		$	71.4		$	67.3		$	67.9		$	71.6
Average Loans	$	17.1		$	17.6		$	18.5		$	19.5		$	20.7		$	22.7		$	22.6		$	22.7		$	25.4		$	25.0		$	26.3		$	27.4		$	29.1		$	29.6		$	29.2		$	29.9
EOP Loans:
Real Estate Lending	$	3.6		$	3.7		$	3.9		$	4.2		$	4.7		$	4.8		$	4.3		$	4.4		$	5.1		$	4.9		$	5.3		$	5.4		$	5.9		$	5.7		$	5.4		$	5.7
Commercial Markets	8.6			8.5			8.9			9.5			10.0			11.5			10.8			10.7			11.2			11.1			11.8			12.3			13.0			12.8			12.5			13.4
Personal and Other	5.6			5.8			6.3			6.1			6.9			6.9			6.5			8.5			9.5			9.6			10.2			10.3			11.1			10.9			11.1			11.2
Total EOP Loans	$	17.8		$	18.0		$	19.1		$	19.8		$	21.6		$	23.2		$	21.6		$	23.6		$	25.8		$	25.6		$	27.3		$	28.0		$	30.0		$	29.4		$	29.0		$	30.3
Net Interest Revenue (in millions) (1)	$	800		$	802		$	823		$	862		$	885		$	896		$	929		$	913		$	960		$	938		$	970		$	985		$	986		$	973		$	973		$	985
As a % of Average Loans (1)	18.97		%	18.28		%	17.65		%	17.54		%	17.34		%	15.83		%	16.31		%	15.96		%	15.20		%	15.09		%	14.67		%	14.30		%	13.74		%	13.18		%	13.22		%	13.07		%
Net Credit Losses (in millions)	$	91		$	96		$	129		$	123		$	103		$	117		$	113		$	142		$	143		$	135		$	160		$	210		$	207		$	204		$	209		$	224
As a % of Average Loans	2.16		%	2.19		%	2.77		%	2.50		%	2.02		%	2.07		%	1.98		%	2.48		%	2.26		%	2.17		%	2.42		%	3.05		%	2.88		%	2.76		%	2.84		%	2.97		%
Loans 90+ Days Past Due (in millions)	$	324		$	308		$	290		$	224		$	249		$	259		$	273		$	253		$	276		$	285		$	322		$	323		$	320		$	318		$	347		$	470
As a % of EOP Loans	1.82		%	1.71		%	1.52		%	1.13		%	1.15		%	1.12		%	1.26		%	1.07		%	1.07		%	1.11		%	1.18		%	1.15		%	1.07		%	1.08		%	1.20		%	1.55		%
Loans 30-89 Days Past Due (in millions)	$	394		$	335		$	402		$	267		$	324		$	301		$	267		$	289		$	323		$	316		$	412		$	353		$	427		$	368		$	445		$	395
As a % of EOP Loans	2.21		%	1.86		%	2.10		%	1.35		%	1.50		%	1.30		%	1.24		%	1.22		%	1.25		%	1.23		%	1.51		%	1.26		%	1.42		%	1.25		%	1.53		%	1.30		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted) (2)
EOP Open Accounts (in millions)	11.8			11.7			12.1			12.2			12.3			12.5			12.8			12.9			13.1			13.0			13.0			12.9			12.9			9.4			9.5			9.2
Purchase Sales (in billions)	$	5.8		$	6.1		$	6.7		$	7.6		$	7.3		$	8.0		$	8.2		$	8.5		$	8.1		$	7.8		$	8.0		$	9.0		$	8.2		$	8.6		$	8.7		$	9.4
Average Loans (in billions) (3)	$	11.7		$	12.0		$	12.3		$	13.0		$	13.4		$	14.0		$	13.8		$	13.6		$	14.4		$	13.6		$	13.9		$	14.3		$	14.7		$	11.5		$	11.6		$	12.1
EOP Loans (in billions) (3)	$	11.9		$	12.0		$	12.6		$	13.4		$	13.5		$	14.2		$	12.9		$	13.7		$	14.3		$	13.7		$	14.2		$	14.8		$	14.9		$	11.5		$	11.8		$	12.1
Average Yield (4)	25.96		%	23.42		%	22.84		%	22.15		%	22.40		%	23.20		%	23.18		%	23.77		%	22.12		%	22.34		%	22.57		%	22.12		%	21.23		%	21.71		%	21.60		%	20.91		%
Net Interest Revenue (in millions) (5)	$	542		535			$	536		$	557		$	542		574			$	569		$	547		$	524		$	531		$	557		$	576		$	556		$	602		$	602		$	609
As a % of Average Loans (5)	23.64		%	22.59		%	22.15		%	21.88		%	21.76		%	21.93		%	21.92		%	21.28		%	19.70		%	20.73		%	20.71		%	20.64		%	19.61		%	21.00		%	20.59		%	19.97		%
Net Credit Losses (in millions)	$	356		$	307		$	263		$	267		$	230		$	210		$	199		$	219		$	190		$	180		$	191		$	196		$	212		$	212		$	225		$	234
As a % of Average Loans	15.52		%	12.96		%	10.87		%	10.49		%	9.24		%	8.02		%	7.67		%	8.52		%	7.14		%	7.03		%	7.10		%	7.02		%	7.48		%	7.39		%	7.70		%	7.67		%
Net Credit Margin (in millions) (6)	$	348		$	386		$	456		$	454		$	498		$	553		$	547		$	535		$	524		$	510		$	529		$	581		$	552		$	577		$	564		$	607
As a % of Average Loans (6)	15.18		%	16.30		%	18.85		%	17.83		%	20.00		%	21.12		%	21.07		%	20.81		%	19.70		%	19.91		%	19.67		%	20.82		%	19.47		%	20.12		%	19.29		%	19.90		%
Loans 90+ Days Past Due (in millions)	$	509		$	481		$	472		$	446		$	445		$	462		$	396		$	412		$	405		$	405		$	401		$	413		$	418		$	323		$	326		$	349
As a % of EOP Loans	4.28		%	4.01		%	3.75		%	3.33		%	3.30		%	3.25		%	3.07		%	3.01		%	2.83		%	2.96		%	2.82		%	2.79		%	2.81		%	2.81		%	2.76		%	2.88		%
Loans 30-89 Days Past Due (in millions)	$	478		$	488		$	442		$	456		$	454		$	469		$	398		$	399		$	426		$	428		$	416		$	432		$	449		$	335		$	346		$	364
As a % of EOP Loans	4.02		%	4.07		%	3.51		%	3.40		%	3.36		%	3.30		%	3.09		%	2.91		%	2.98		%	3.12		%	2.93		%	2.92		%	3.01		%	2.91		%	2.93		%	3.01		%
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	11.8			11.7			12.1			12.2			12.3			12.5			12.8			12.9			13.1			13.0			13.0			12.9			12.9			9.4			9.5			9.2
Impact of Announced Brazil Credicard Sale	(3.5		)	(3.6		)	(3.9		)	(3.9		)	(4.1		)	(4.2		)	(4.2		)	(4.1		)	(4.1		)	(4.0		)	(3.9		)	(3.8		)	(3.9		)	—			—			—
EOP Open Accounts - Historically Adjusted	8.3			8.1			8.2			8.3			8.2			8.3			8.6			8.8			9.0			9.0			9.1			9.1			9.0			9.4			9.5			9.2
Average Loans - As Disclosed	$	11.7		$	12.0		$	12.3		$	13.0		$	13.4		$	14.0		$	13.8		$	13.6		$	14.4		$	13.6		$	13.9		$	14.3		$	14.7		$	11.5		$	11.6		$	12.1
Impact of Announced Brazil Credicard Sale	(2.4		)	(2.5		)	(2.7		)	(2.9		)	(3.3		)	(3.5		)	(3.5		)	(3.4		)	(3.7		)	(3.3		)	(3.2		)	(3.2		)	(3.2		)	—			—			—
Average Loans - Historically Adjusted	$	9.3		$	9.5		$	9.6		$	10.1		$	10.1		$	10.5		$	10.3		$	10.2		$	10.7		$	10.3		$	10.7		$	11.1		$	11.5		$	11.5		$	11.6		$	12.1
EOP Loans — As Disclosed	$	11.9		$	12.0		$	12.6		$	13.4		$	13.5		$	14.2		$	12.9		$	13.7		$	14.3		$	13.7		$	14.2		$	14.8		$	14.9		$	11.5		$	11.8		$	12.1
Impact of Announced Brazil Credicard Sale	(2.4		)	(2.5		)	(2.9		)	(3.2		)	(3.3		)	(3.7		)	(3.2		)	(3.4		)	(3.6		)	(3.2		)	(3.2		)	(3.4		)	(3.1		)	—			—			—
EOP Loans — Historically Adjusted	$	9.5		$	9.5		$	9.7		$	10.2		$	10.2		$	10.5		$	9.7		$	10.3		$	10.7		$	10.5		$	11.0		$	11.4		$	11.8		$	11.5		$	11.8		$	12.1
Loans 90+ Days Past Due (in millions) - as disclosed	$	509		$	481		$	472		$	446		$	445		$	462		$	396		$	412		$	405		$	405		$	401		$	413		$	418		$	323		$	326		$	349
Impact of Announced Brazil Credicard Sale	(99		)	(103		)	(111		)	(118		)	(141		)	(149		)	(128		)	(141		)	(133		)	(126		)	(122		)	(111		)	(102		)	—			—
Loans 90+ Days Past Due - Historically Adjusted	$	410		$	378		$	361		$	328		$	304		$	313		$	268		$	271		$	272		$	279		$	279		$	302		$	316		$	323		$	326		$	349
As a % of Historically Adjusted EOP Loans	4.32		%	3.98		%	3.72		%	3.22		%	2.98		%	2.98		%	2.76		%	2.63		%	2.54		%	2.66		%	2.54		%	2.65		%	2.68		%	2.81		%	2.76		%	2.88		%
Loans 30-89 Days Past Due (in millions) - as disclosed	$	478		$	488		$	442		$	456		$	454		$	469		$	398		$	399		$	426		$	428		$	416		$	432		$	449		$	335		$	346		$	364
Impact of Announced Brazil Credicard Sale	(97		)	(95		)	(99		)	(132		)	(140		)	(146		)	(121		)	(127		)	(144		)	(131		)	(116		)	(113		)	(126		)	—			—
Loans 30-89 Days Past Due - Historically Adjusted	$	381		$	393		$	343		$	324		$	314		$	323		$	277		$	272		$	282		$	297		$	300		$	319		$	323		$	335		$	346		$	364
As a % of Historically Adjusted EOP Loans	4.01		%	4.14		%	3.54		%	3.18		%	3.08		%	3.08		%	2.86		%	2.64		%	2.64		%	2.83		%	2.73		%	2.80		%	2.74		%	2.91		%	2.93		%	3.01		%
Average Assets - As Disclosed on prior page	$	70.0		$	72.0		$	73.0		$	74.0		$	77.0		$	83.0		$	80.0		$	78.0		$	82.0		$	78.0		$	79.0		$	82.0		$	86.0		$	80.0		$	80.0		$	81.0
Impact of Announced Brazil Credicard Sale	(3.1		)	(3.2		)	(3.5		)	(3.8		)	(4.1		)	(4.4		)	(4.4		)	(4.2		)	(4.4		)	(3.9		)	(3.8		)	(3.8		)	(3.8		)	—			—			—
Average Assets - Historically Adjusted	$	66.9		$	68.8		$	69.5		$	70.2		$	72.9		$	78.6		$	75.6		$	73.8		$	77.6		$	74.1		$	75.2		$	78.2		$	82.2		$	80.0		$	80.0		$	81.0

(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 Credicard discontinued operations, the averages used in the ratio calculations have been adjusted to exclude the Credicard discontinued operations. See above for the historically adjusted impact of the Credicard discontinued operations.  December 31, 2013, September 30, 2013 and June 30, 2013 balances already exclude the 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)

																																																	Full			Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013			2010			2011			2012			2013
Net Interest Revenue	$	1,258		$	1,295		$	1,232		$	1,305		$	1,327		$	1,352		$	1,363		$	1,335		$	1,328		$	1,286		$	1,272		$	1,268		$	1,227		$	1,190		$	1,163		$	1,176		$	5,090		$	5,377		$	5,154		$	4,756
Non-Interest Revenue	541			548			606			624			573			678			708			688			670			666			711			727			733			778			699			658			2,319			2,647			2,774			2,868
Total Revenues, Net of Interest Expense	1,799			1,843			1,838			1,929			1,900			2,030			2,071			2,023			1,998			1,952			1,983			1,995			1,960			1,968			1,862			1,834			7,409			8,024			7,928			7,624
Total Operating Expenses	954			1,000			1,068			1,164			1,165			1,211			1,178			1,205			1,185			1,198			1,241			1,274			1,163			1,142			1,132			1,149			4,186			4,759			4,898			4,586
Net Credit Losses	277			254			246			236			212			225			236			210			190			199			217			235			206			180			192			204			1,013			883			841			782
Credit Reserve Build / (Release)	(38		)	(112		)	(94		)	(43		)	(35		)	(19		)	(40		)	31			(1		)	(21		)	(34		)	20			3			19			(28		)	15			(287		)	(63		)	(36		)	9
Provision for Unfunded Lending Commitments	—			—			—			—			—			—			—			—			—			—			—			—			14			10			12			(5		)	—			—			—			31
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—
Provision for Loan Losses and for Benefits and Claims (LLR & PBC)	239			142			152			193			177			206			196			241			189			178			183			255			223			209			176			214			726			820			805			822
Income from Continuing Operations before Taxes	606			701			618			572			558			613			697			577			624			576			559			466			574			617			554			471			2,497			2,445			2,225			2,216
Income Taxes	61			162			141			84			126			155			156			187			145			149			131			88			180			207			190			158			448			624			513			735
Income from Continuing Operations	545			539			477			488			432			458			541			390			479			427			428			378			394			410			364			313			2,049			1,821			1,712			1,481
Noncontrolling Interests	—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—
Net Income	$	545		$	539		$	477		$	488		$	432		$	458		$	541		$	390		$	479		$	427		$	428		$	378		$	394		$	410		$	364		$	313		$	2,049		$	1,821		$	1,712		$	1,481
Average Assets (in billions of dollars)	$	105		$	105		$	108		$	113		$	118		$	123		$	123		$	122		$	126		$	124		$	127		$	129		$	128		$	129		$	129		$	131		$	108		$	122		$	127		$	129
Return on Average Assets	2.11		%	2.06		%	1.75		%	1.71		%	1.48		%	1.49		%	1.75		%	1.27		%	1.53		%	1.38		%	1.34		%	1.17		%	1.25		%	1.27		%	1.12		%	0.95		%	1.90		%	1.49		%	1.35		%	1.15		%
Efficiency Ratio	53		%	54		%	58		%	60		%	61		%	60		%	57		%	60		%	59		%	61		%	63		%	64		%	59		%	58		%	61		%	63		%	56		%	59		%	62		%	60		%
Net Credit Losses as a % of Average Loans	1.58		%	1.42		%	1.30		%	1.19		%	1.05		%	1.05		%	1.08		%	0.96		%	0.86		%	0.92		%	0.98		%	1.04		%	0.94		%	0.82		%	0.87		%	0.90		%	1.37		%	1.03		%	0.95		%	0.88		%
Revenue by Business
Retail Banking	$	1,137		$	1,174		$	1,172		$	1,215		$	1,182		$	1,270		$	1,293		$	1,224		$	1,230		$	1,165		$	1,196		$	1,175		$	1,200		$	1,192		$	1,102		$	1,070		$	4,698		$	4,969		$	4,766		$	4,564
Citi-Branded Cards	662			669			666			714			718			760			778			799			768			787			787			820			760			776			760			764			2,711			3,055			3,162			3,060
Total	$	1,799		$	1,843		$	1,838		$	1,929		$	1,900		$	2,030		$	2,071		$	2,023		$	1,998		$	1,952		$	1,983		$	1,995		$	1,960		$	1,968		$	1,862		$	1,834		$	7,409		$	8,024		$	7,928		$	7,624
Net Credit Losses by Business
Retail Banking	$	82		$	85		$	85		$	83		$	67		$	83		$	91		$	85		$	65		$	72		$	81		$	99		$	67		$	53		$	78		$	91		$	335		$	326		$	317		$	289
Citi-Branded Cards	195			169			161			153			145			142			145			125			125			127			136			136			139			127			114			113			678			557			524			493
Total	$	277		$	254		$	246		$	236		$	212		$	225		$	236		$	210		$	190		$	199		$	217		$	235		$	206		$	180		$	192		$	204		$	1,013		$	883		$	841		$	782
Income from Continuing Operations by Business
Retail Banking	$	403		$	363		$	323		$	329		$	275		$	300		$	352		$	228		$	289		$	227		$	237		$	177		$	240		$	223		$	178		$	145		$	1,418		$	1,155		$	930		$	786
Citi-Branded Cards	142			176			154			159			157			158			189			162			190			200			191			201			154			187			186			168			631			666			782			695
Total	$	545		$	539		$	477		$	488		$	432		$	458		$	541		$	390		$	479		$	427		$	428		$	378		$	394		$	410		$	364		$	313		$	2,049		$	1,821		$	1,712		$	1,481
FX Translation Impact:
Total Revenue - as Reported	$	1,799		$	1,843		$	1,838		$	1,929		$	1,900		$	2,030		$	2,071		$	2,023		$	1,998		$	1,952		$	1,983		$	1,995		$	1,960		$	1,968		$	1,862		$	1,834		$	7,409		$	8,024		$	7,928		$	7,624
Impact of FX Translation (1)	(4		)	3			(26		)	(69		)	(96		)	(131		)	(116		)	(73		)	(95		)	(59		)	(78		)	(96		)	(72		)	(32		)	9			—			(329		)	(329		)	(238		)	—
Total Revenues - Ex-FX (2)	$	1,795		$	1,846		$	1,812		$	1,860		$	1,804		$	1,899		$	1,955		$	1,950		$	1,903		$	1,893		$	1,905		$	1,899		$	1,888		$	1,936		$	1,871		$	1,834		$	7,080		$	7,695		$	7,690		$	7,624
Total Operating Expenses - as Reported	$	954		$	1,000		$	1,068		$	1,164		$	1,165		$	1,211		$	1,178		$	1,205		$	1,185		$	1,198		$	1,241		$	1,274		$	1,163		$	1,142		$	1,132		$	1,149		$	4,186		$	4,759		$	4,898		$	4,586
Impact of FX Translation (1)	(2		)	(3		)	(24		)	(60		)	(66		)	(88		)	(79		)	(57		)	(63		)	(44		)	(51		)	(60		)	(36		)	(10		)	5			—			(240		)	(240		)	(172		)	—
Total Operating Expenses - Ex-FX (2)	$	952		$	997		$	1,044		$	1,104		$	1,099		$	1,123		$	1,099		$	1,148		$	1,122		$	1,154		$	1,190		$	1,214		$	1,127		$	1,132		$	1,137		$	1,149		$	3,946		$	4,519		$	4,726		$	4,586
Provisions for LLR & PBC - as Reported	$	239		$	142		$	152		$	193		$	177		$	206		$	196		$	241		$	189		$	178		$	183		$	255		$	223		$	209		$	176		$	214		$	726		$	820		$	805		$	822
Impact of FX Translation (1)	(12		)	6			(1		)	(10		)	(8		)	(24		)	(14		)	(5		)	(5		)	3			(10		)	(12		)	(12		)	(3		)	2			—			(39		)	(39		)	(20		)	—
Provisions for LLR & PBC - Ex-FX (2)	$	227		$	148		$	151		$	183		$	169		$	182		$	182		$	236		$	184		$	181		$	173		$	243		$	211		$	206		$	178		$	214		$	687		$	781		$	785		$	822
Net Income - as Reported	$	545		$	539		$	477		$	488		$	432		$	458		$	541		$	390		$	479		$	427		$	428		$	378		$	394		$	410		$	364		$	313		$	2,049		$	1,821		$	1,712		$	1,481
Impact of FX Translation (1)	11			2			9			5			(14		)	(11		)	(13		)	(4		)	(13		)	(9		)	(10		)	(11		)	(15		)	(10		)	1			—			(26		)	(26		)	(20		)	—
Net Income - Ex-FX (2)	$	556		$	541		$	486		$	493		$	418		$	447		$	528		$	386		$	466		$	418		$	418		$	367		$	379		$	400		$	365		$	313		$	2,023		$	1,795		$	1,692		$	1,481

(1) Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the fourth 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.

16

CITICORP GLOBAL CONSUMER BANKING ASIA - PAGE 2

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	704			704			707			711			707			699			673			671			643			627			618			600			574			571			562			553
Accounts (in millions)	16.1			16.1			16.3			16.2			16.3			16.5			16.7			16.4			16.5			16.8			16.8			16.9			16.9			16.9			17.0			16.8
Average Deposits	$	95.7		$	97.0		$	101.0		$	105.6		$	108.1		$	111.8		$	112.1		$	109.8		$	110.9		$	109.7		$	112.5		$	110.1		$	107.0		$	102.3		$	100.2		$	101.0
Investment Sales	$	8.9		$	9.6		$	10.1		$	12.8		$	11.3		$	10.6		$	8.5		$	6.0		$	8.4		$	7.0		$	9.2		$	9.0		$	11.6		$	11.3		$	8.6		$	8.4
Investment AUMs	$	45.9		$	44.8		$	47.8		$	50.2		$	51.3		$	51.9		$	45.0		$	45.2		$	47.9		$	47.4		$	49.8		$	52.0		$	54.3		$	51.4		$	54.7		$	54.5
Average Loans	$	53.9		$	54.7		$	57.0		$	60.1		$	62.8		$	66.3		$	67.0		$	67.1		$	68.7		$	67.5		$	68.5		$	69.7		$	69.3		$	68.8		$	69.2		$	71.5
EOP Loans:
Real Estate Lending	$	28.1		$	27.8		$	30.2		$	31.7		$	33.3		$	34.7		$	33.6		$	34.8		$	35.9		$	35.5		$	36.3		$	36.6		$	36.4		$	35.6		$	37.0		$	37.6
Commercial Markets	13.7			14.3			15.0			15.8			16.8			17.5			17.4			17.3			17.6			16.8			16.9			16.6			16.7			17.1			17.4			17.2
Personal and Other	13.1			12.8			13.7			13.9			14.3			14.9			14.5			15.2			15.3			15.3			16.1			16.5			16.3			15.8			15.9			16.8
Total EOP Loans	$	54.9		$	54.9		$	58.9		$	61.4		$	64.4		$	67.1		$	65.5		$	67.3		$	68.8		$	67.6		$	69.3		$	69.7		$	69.4		$	68.5		$	70.3		$	71.6
Net Interest Revenue (in millions) (1)	$	816		$	845		$	806		$	826		$	835		$	841		$	852		$	830		$	817		$	785		$	771		$	755		$	729		$	708		$	691		$	696
As a % of Average Loans (1)	6.14		%	6.20		%	5.61		%	5.45		%	5.39		%	5.09		%	5.05		%	4.91		%	4.78		%	4.68		%	4.48		%	4.31		%	4.27		%	4.13		%	3.96		%	3.86		%
Net Credit Losses (in millions)	$	82		$	85		$	85		$	83		$	67		$	83		$	91		$	85		$	65		$	72		$	81		$	99		$	67		$	53		$	78		$	91
As a % of Average Loans	0.62		%	0.62		%	0.59		%	0.55		%	0.43		%	0.50		%	0.54		%	0.50		%	0.38		%	0.43		%	0.47		%	0.57		%	0.39		%	0.31		%	0.45		%	0.50		%
Loans 90+ Days Past Due (in millions)	$	246		$	208		$	226		$	225		$	234		$	266		$	224		$	222		$	245		$	241		$	219		$	228		$	229		$	205		$	210		$	191
As a % of EOP Loans	0.45		%	0.38		%	0.38		%	0.37		%	0.36		%	0.40		%	0.34		%	0.33		%	0.36		%	0.36		%	0.32		%	0.33		%	0.33		%	0.30		%	0.30		%	0.27		%
Loans 30-89 Days Past Due (in millions)	$	476		$	473		$	476		$	533		$	491		$	446		$	385		$	444		$	434		$	440		$	433		$	459		$	468		$	432		$	398		$	398
As a % of EOP Loans	0.87		%	0.86		%	0.81		%	0.87		%	0.76		%	0.66		%	0.59		%	0.66		%	0.63		%	0.65		%	0.62		%	0.66		%	0.67		%	0.63		%	0.57		%	0.56		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)	14.8			14.9			15.0			15.3			15.4			15.6			15.8			15.9			15.7			15.7			15.9			16.0			16.1			16.4			16.6			16.6
Purchase Sales (in billions)	$	14.4		$	14.9		$	15.9		$	17.8		$	17.0		$	18.4		$	18.7		$	19.1		$	18.8		$	18.8		$	19.1		$	20.7		$	19.3		$	19.4		$	19.2		$	20.6
Average Loans (in billions) (2)	$	17.2		$	17.0		$	17.8		$	18.8		$	19.3		$	19.7		$	19.8		$	19.4		$	20.0		$	19.5		$	19.8		$	19.9		$	19.8		$	19.0		$	18.4		$	18.8
EOP Loans (in billions) (2)	$	17.1		$	17.0		$	18.3		$	19.7		$	19.2		$	20.0		$	18.9		$	19.9		$	19.6		$	19.6		$	20.0		$	20.4		$	19.4		$	18.9		$	18.7		$	19.1
Average Yield (3)	13.98		%	14.18		%	13.85		%	13.66		%	13.76		%	13.82		%	13.50		%	13.41		%	13.31		%	13.16		%	12.89		%	12.88		%	12.69		%	12.48		%	12.33		%	12.24		%
Net Interest Revenue (in millions) (4)	$	442		450			$	426		$	479		$	492		511			$	511		$	505		$	511		$	501		$	501		$	513		$	498		$	482		$	472		$	480
As a % of Average Loans (4)	10.42		%	10.62		%	9.49		%	10.11		%	10.34		%	10.40		%	10.24		%	10.33		%	10.28		%	10.33		%	10.07		%	10.26		%	10.20		%	10.18		%	10.18		%	10.13		%
Net Credit Losses (in millions)	$	195		$	169		$	161		$	153		$	145		$	142		$	145		$	125		$	125		$	127		$	136		$	136		$	139		$	127		$	114		$	113
As a % of Average Loans	4.60		%	3.99		%	3.59		%	3.23		%	3.05		%	2.89		%	2.91		%	2.56		%	2.51		%	2.62		%	2.73		%	2.72		%	2.85		%	2.68		%	2.46		%	2.38		%
Net Credit Margin (in millions) (5)	$	467		$	500		$	505		$	561		$	573		$	618		$	633		$	674		$	643		$	660		$	651		$	684		$	621		$	649		$	646		$	651
As a % of Average Loans (5)	11.01		%	11.80		%	11.26		%	11.84		%	12.04		%	12.58		%	12.68		%	13.78		%	12.93		%	13.61		%	13.08		%	13.67		%	12.72		%	13.70		%	13.93		%	13.74		%
Loans 90+ Days Past Due	$	265		$	245		$	242		$	240		$	235		$	250		$	214		$	214		$	224		$	222		$	220		$	234		$	232		$	209		$	189		$	188
As a % of EOP Loans	1.55		%	1.44		%	1.32		%	1.22		%	1.22		%	1.25		%	1.13		%	1.08		%	1.14		%	1.13		%	1.10		%	1.15		%	1.20		%	1.11		%	1.01		%	0.98		%
Loans 30-89 Days Past Due	$	360		$	321		$	328		$	340		$	358		$	351		$	300		$	321		$	321		$	315		$	334		$	342		$	325		$	287		$	267		$	274
As a % of EOP Loans	2.11		%	1.89		%	1.79		%	1.73		%	1.86		%	1.76		%	1.59		%	1.61		%	1.64		%	1.61		%	1.67		%	1.68		%	1.68		%	1.52		%	1.43		%	1.43		%

(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)

																Full	Full	Full	Full
1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	Year	Year	Year	Year
2010	2010	2010	2010	2011	2011	2011	2011	2012	2012	2012	2012	2013	2013	2013	2013	2010	2011	2012	2013

Commissions and Fees	$	1,075		$	1,047		$	982		$	1,015		$	1,086		$	1,086		$	1,114		$	989		$	1,111		$	1,041		$	973		$	1,046		$	1,136		$	1,105		$	1,081		$	1,022		$	4,119		$	4,275		$	4,171		$	4,344
Administration and Other Fiduciary Fees	714			609			664			728			735			719			637			637			684			729			651			677			681			683			625			637			2,715			2,728			2,741			2,626
Investment Banking	953			592			829			1,146			793			1,001			590			645			811			793			1,000			1,014			1,085			983			842			952			3,520			3,029			3,618			3,862
Principal Transactions	3,360			1,837			1,593			(1,011		)	2,313			1,344			1,727			(288		)	1,985			1,478			776			91			2,472			2,450			863			706			5,779			5,096			4,330			6,491
Other	471			476			349			385			(75		)	254			1,530			113			(403		)	327			38			(38		)	361			370			132			(189		)	1,681			1,822			(76		)	674
Total Non-Interest Revenue	6,573			4,561			4,417			2,263			4,852			4,404			5,598			2,096			4,188			4,368			3,438			2,790			5,735			5,591			3,543			3,128			17,814			16,950			14,784			17,997
Net Interest Revenue (including Dividends)	3,932			3,958			3,776			3,879			3,759			3,784			3,880			3,760			3,893			3,867			4,029			4,189			3,856			3,969			3,829			3,916			15,545			15,183			15,978			15,570
Total Revenues, Net of Interest Expense	10,505			8,519			8,193			6,142			8,611			8,188			9,478			5,856			8,081			8,235			7,467			6,979			9,591			9,560			7,372			7,044			33,359			32,133			30,762			33,567
Total Operating Expenses	4,658			5,224			4,939			5,075			5,219			5,389			5,130			5,352			5,226			5,088			4,969			5,348			5,079			5,006			4,888			5,245			19,896			21,090			20,631			20,218
Net Credit Losses	103			43			290			137			210			150			87			172			(58		)	122			143			75			39			53			65			25			573			619			282			182
Provision for Unfunded Lending Commitments	(8		)	(22		)	1			—			4			(8		)	45			48			(11		)	26			(26		)	50			3			(19		)	93			(24		)	(29		)	89			39			53
Credit Reserve Build / (Release)	(177		)	(232		)	(27		)	(190		)	(394		)	(56		)	32			(138		)	158			(13		)	(149		)	(41		)	23			(64		)	(19		)	(97		)	(626		)	(556		)	(45		)	(157		)
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—
Provision for Credit Losses and for Benefits and Claims	(82		)	(211		)	264			(53		)	(180		)	86			164			82			89			135			(32		)	84			65			(30		)	139			(96		)	(82		)	152			276			78
Income from Continuing Operations before Taxes	5,929			3,506			2,990			1,120			3,572			2,713			4,184			422			2,766			3,012			2,530			1,547			4,447			4,584			2,345			1,895			13,545			10,891			9,855			13,271
Income Taxes (Benefits)	1,814			919			706			11			1,054			686			1,191			(178		)	601			720			587			113			1,377			1,448			605			427			3,450			2,753			2,021			3,857
Income from Continuing Operations	4,115			2,587			2,284			1,109			2,518			2,027			2,993			600			2,165			2,292			1,943			1,434			3,070			3,136			1,740			1,468			10,095			8,138			7,834			9,414
Noncontrolling Interests	26			20			34			51			13			9			5			29			60			31			14			23			50			23			19			18			131			56			128			110
Net Income	$	4,089		$	2,567		$	2,250		$	1,058		$	2,505		$	2,018		$	2,988		$	571		$	2,105		$	2,261		$	1,929		$	1,411		$	3,020		$	3,113		$	1,721		$	1,450		$	9,964		$	8,082		$	7,706		$	9,304
Average Assets (in billions of dollars)	$	928		$	949		$	945		$	976		$	1,002		$	1,048		$	1,045		$	1,012		$	1,018		$	1,051		$	1,047		$	1,061		$	1,070		$	1,090		$	1,052		$	1,052		$	950		$	1,027		$	1,044		$	1,066
Return on Average Assets	1.79		%	1.08		%	0.94		%	0.43		%	1.01		%	0.77		%	1.13		%	0.22		%	0.83		%	0.87		%	0.73		%	0.53		%	1.14		%	1.15		%	0.65		%	0.55		%	1.05		%	0.79		%	0.74		%	0.87		%
Return on Average Assets (Excluding CVA/DVA) (1)(2)	1.71		%	1.02		%	0.92		%	0.69		%	1.07		%	0.74		%	0.69		%	0.24		%	1.17		%	0.82		%	0.92		%	0.65		%	1.22		%	1.04		%	0.73		%	0.58		%	1.07		%	0.68		%	0.89		%	0.89		%
Efficiency Ratio	44		%	61		%	60		%	83		%	61		%	66		%	54		%	91		%	65		%	62		%	67		%	77		%	53		%	52		%	66		%	74		%	60		%	66		%	67		%	60		%
Revenue by Region - Excluding CVA/DVA (2)
North America	$	4,106		$	3,076		$	2,838		$	2,212		$	3,078		$	2,629		$	2,168		$	1,399		$	2,705		$	2,565		$	2,484		$	2,357		$	3,679		$	3,153		$	2,579		$	2,325		$	12,232		$	9,274		$	10,111		$	11,736
EMEA	3,332			2,668			2,552			2,131			3,025			2,585			2,501			2,088			3,461			2,524			2,712			2,377			2,938			2,746			2,328			2,053			10,683			10,199			11,074			10,065
Latin America	890			947			997			1,068			966			1,079			923			940			1,177			1,180			1,231			1,143			1,232			1,200			1,102			1,147			3,902			3,908			4,731			4,681
Asia	1,892			1,573			1,707			1,769			1,771			1,748			1,998			1,503			2,114			1,768			1,839			1,612			2,052			1,999			1,695			1,684			6,941			7,020			7,333			7,430
Total	$	10,220		$	8,264		$	8,094		$	7,180		$	8,840		$	8,041		$	7,590		$	5,930		$	9,457		$	8,037		$	8,266		$	7,489		$	9,901		$	9,098		$	7,704		$	7,209		$	33,758		$	30,401		$	33,249		$	33,912
CVA/DVA (after-tax) {excluded as applicable in lines above}	285			255			99			(1,038		)	(229		)	147			1,888			(74		)	(1,376		)	198			(799		)	(510		)	(310		)	462			(332		)	(165		)	(399		)	1,732			(2,487		)	(345		)
Total Revenues, net of Interest Expense	$	10,505		$	8,519		$	8,193		$	6,142		$	8,611		$	8,188		$	9,478		$	5,856		$	8,081		$	8,235		$	7,467		$	6,979		$	9,591		$	9,560		$	7,372		$	7,044		$	33,359		$	32,133		$	30,762		$	33,567
Income from Continuing Operations by Region - Excluding CVA/DVA (2)
North America	$	1,534		$	843		$	552		$	247		$	648		$	401		$	217		$	(308	)	$	672		$	572		$	601		$	457		$	1,318		$	927		$	596		$	463		$	3,176		$	958		$	2,302		$	3,304
EMEA	1,285			683			766			487			1,094			630			563			420			1,167			661			809			513			769			793			486			414			3,221			2,707			3,150			2,462
Latin America	373			369			422			465			417			426			344			303			498			486			505			403			478			513			431			200			1,629			1,490			1,892			1,622
Asia	749			530			486			550			501			479			697			225			682			447			527			377			697			619			433			491			2,315			1,902			2,033			2,240
Total	$	3,941		$	2,425		$	2,226		$	1,749		$	2,660		$	1,936		$	1,821		$	640		$	3,019		$	2,166		$	2,442		$	1,750		$	3,262		$	2,852		$	1,946		$	1,568		$	10,341		$	7,057		$	9,377		$	9,628
CVA/DVA {excluded as applicable in lines above}	174			162			58			(640		)	(142		)	91			1,172			(40		)	(854		)	126			(499		)	(316		)	(192		)	284			(206		)	(100		)	(246		)	1,081			(1,543		)	(214		)
Income from Continuing Operations	$	4,115		$	2,587		$	2,284		$	1,109		$	2,518		$	2,027		$	2,993		$	600		$	2,165		$	2,292		$	1,943		$	1,434		$	3,070		$	3,136		$	1,740		$	1,468		$	10,095		$	8,138		$	7,834		$	9,414
Average Loans by Region (in billions)
North America	$	68		68			66			66			$	66		$	68		$	70		$	74		$	76		$	82		$	90		89			$	91		$	96		$	100		105			$	67		$	69		$	83		$	98
EMEA	37			37			38			40			42			48			48			50			51			52			54			53			53			56			54			56			38			47			53			55
Latin America	23			22			23			24			25			29			30			32			34			34			34			37			38			37			38			39			23			29			35			38
Asia	30			35			38			42			45			49			54			58			60			63			65			62			60			64			67			68			36			52			63			65
Total	$	158		$	162		$	165		$	172		$	178		$	194		$	202		$	214		$	221		$	231		$	243		$	241		$	242		$	253		$	259		$	268		$	164		$	197		$	234		$	256
EOP Deposits by Region (in billions)
North America	$	108		$	118		$	115		$	118		$	123		$	129		$	133		$	151		$	164		$	161		$	156		$	148		$	151		$	158		$	173		$	183		$	118		$	151		$	148		$	183
EMEA	148			141			153			144			159			150			146			149			156			159			174			171			172			173			181			185			144			149			171			185
Latin America	43			39			46			47			48			50			50			51			52			50			60			56			58			57			63			60			47			51			56			60
Asia	136			130			144			143			141			144			138			134			145			152			156			149			143			145			149			146			143			134			149			146
Total	$	435		$	428		$	458		$	452		$	471		$	473		$	467		$	485		$	517		$	522		$	546		$	524		$	524		$	533		$	566		$	574		$	452		$	485		$	524		$	574
EOP Deposits by Business (in billions)
Treasury and Trade Solutions	$	263		$	261		$	280		$	278		$	287		$	282		$	290		$	301		$	322		$	329		$	344		$	325		$	335		$	343		$	371		$	380		$	278		$	301		$	325		$	380
All Other ICG Businesses	172			167			178			174			184			191			177			184			195			193			202			199			189			190			195			194			174			184			199			194
Total	$	435		$	428		$	458		$	452		$	471		$	473		$	467		$	485		$	517		$	522		$	546		$	524		$	524		$	533		$	566		$	574		$	452		$	485		$	524		$	574

(1)ROA excluding CVA/DVA equals annualized net income loss CVA/DVA divided by average assets. See below for the after-tax CVA/DVA for each period presented.

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

Reclassified to conform to the current period’s presentation.

18

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

																																																	Full			Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013			2010			2011			2012			2013
Revenue Details - Excluding CVA/DVA:
Investment Banking:
Advisory	$	199		$	89		$	239		$	199		$	144		$	199		$	185		$	160		$	111		$	202		$	196		$	206		$	204		$	215		$	167		$	266		$	726		$	688		$	715		$	852
Equity Underwriting	237			184			182			416			220			299			135			104			169			207			171			184			250			302			197			310			1,019			758			731			1,059
Debt Underwriting	731			521			632			653			591			703			530			460			680			581			677			718			713			639			578			570			2,537			2,284			2,656			2,500
Total Investment Banking	1,167			794			1,053			1,268			955			1,201			850			724			960			990			1,044			1,108			1,167			1,156			942			1,146			4,282			3,730			4,102			4,411
Treasury and Trade Solutions	1,757			1,784			1,823			1,811			1,810			1,900			1,920			1,929			2,020			2,080			1,959			1,967			1,926			2,005			1,950			1,938			7,175			7,559			8,026			7,819
Corporate Lending - Excluding Gain(Loss) on Loan Hedge	187			230			213			279			286			270			298			308			358			417			421			380			335			404			379			395			909			1,162			1,576			1,513
Private Bank	516			534			512			525			540			575			565			537			598			591			609			596			629			645			614			599			2,087			2,217			2,394			2,487
Total Banking Revenues (Ex-CVA/DVA and Gain (Loss) on Loan Hedge) (1)	$	3,627		$	3,342		$	3,601		$	3,883		$	3,591		$	3,946		$	3,633		$	3,498		$	3,936		$	4,078		$	4,033		$	4,051		$	4,057		$	4,210		$	3,885		$	4,078		$	14,453		$	14,668		$	16,098		$	16,230
Corporate Lending — Gain (Loss) on Loan Hedge (2)	33			270			(253		)	(116		)	(63		)	55			702			(174		)	(344		)	156			(252		)	(258		)	(24		)	23			(147		)	(139		)	(66		)	520			(698		)	(287		)
Total Banking Revenues (Ex-CVA/DVA) and including G(L) on Loan Hedge (1)	$	3,660		$	3,612		$	3,348		$	3,767		$	3,528		$	4,001		$	4,335		$	3,324		$	3,592		$	4,234		$	3,781		$	3,793		$	4,033		$	4,233		$	3,738		$	3,939		$	14,387		$	15,188		$	15,400		$	15,943
Fixed Income Markets	5,191			3,598			3,490			2,400			4,088			3,029			2,384			1,822			4,862			2,914			3,792			2,793			4,687			3,422			2,838			2,375			14,679			11,323			14,361			13,322
Equity Markets	1,189			582			1,033			769			1,059			732			248			198			876			511			476			418			779			885			670			484			3,573			2,237			2,281			2,818
Securities Services	538			571			559			620			607			616			640			565			586			550			541			537			566			599			553			554			2,288			2,428			2,214			2,272
Other	(358		)	(99		)	(336		)	(376		)	(442		)	(337		)	(17		)	21			(459		)	(172		)	(324		)	(52		)	(164		)	(41		)	(95		)	(143		)	(1,169		)	(775		)	(1,007		)	(443		)
Total Markets and Securities Services (Ex-CVA/DVA) (1)	$	6,560		$	4,652		$	4,746		$	3,413		$	5,312		$	4,040		$	3,255		$	2,606		$	5,865		$	3,803		$	4,485		$	3,696		$	5,868		$	4,865		$	3,966		$	3,270		$	19,371		$	15,213		$	17,849		$	17,969
Total ICG (Ex-CVA/DVA) (1)	$	10,220		$	8,264		$	8,094		$	7,180		$	8,840		$	8,041		$	7,590		$	5,930		$	9,457		$	8,037		$	8,266		$	7,489		$	9,901		$	9,098		$	7,704		$	7,209		$	33,758		$	30,401		$	33,249		$	33,912
CVA/DVA {excluded as applicable in lines above}	285			255			99			(1,038		)	(229		)	147			1,888			(74		)	(1,376		)	198			(799		)	(510		)	(310		)	462			(332		)	(165		)	(399		)	1,732			(2,487		)	(345		)
Total Revenues, net of Interest Expense	$	10,505		$	8,519		$	8,193		$	6,142		$	8,611		$	8,188		$	9,478		$	5,856		$	8,081		$	8,235		$	7,467		$	6,979		$	9,591		$	9,560		$	7,372		$	7,044		$	33,359		$	32,133		$	30,762		$	33,567
Taxable-equivalent adjustments (3)	$	288		$	275		$	278		$	270		$	286		$	283		$	321		$	307		$	327		$	341		$	310		$	314		$	302		$	301		$	269		$	266		$	1,111		$	1,197		$	1,292		$	1,138
Total ICG Revenues (Ex-CVA/DVA) and including Taxable-equivalent adjustments (1) (3)	$	10,508		$	8,539		$	8,372		$	7,450		$	9,126		$	8,324		$	7,911		$	6,237		$	9,784		$	8,378		$	8,576		$	7,803		$	10,203		$	9,399		$	7,973		$	7,475		$	34,869		$	31,598		$	34,541		$	35,050

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

(2)Hedges on accrual loans reflect the mark-to-market on credit derivatives used to economically hedge the corporate loan accrual portfolio. The fixed premium costs of these hedges is netted against the core lending revenues to reflect the cost of credit protection.

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

Reclassified to conform to the current period’s presentation.

19

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

																																																	Full			Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013			2010			2011			2012			2013
Net Interest Revenue	$	213		$	224		$	150		$	69		$	(27	)	$	(88	)	$	(89	)	$	13		$	(45	)	$	(124	)	$	(197	)	$	(210	)	$	(145	)	$	(138	)	$	(194	)	$	(132	)	$	656		$	(191	)	$	(576	)	$	(609	)
Non-Interest Revenue	115			419			428			55			(53		)	329			372			350			528			(161		)	213			124			151			252			236			91			1,017			998			704			730
Total Revenues, Net of Interest Expense	328			643			578			124			(80		)	241			283			363			483			(285		)	16			(86		)	6			114			42			(41		)	1,673			807			128			121
Total Operating Expenses	221			96			201			513			454			419			332			321			545			339			524			862			340			294			206			193			1,031			1,526			2,270			1,033
Net Credit Losses	(1		)	(1		)	1			1			1			—			1			1			1			1			(1		)	(1		)	—			—			—			—			—			3			—			—
Credit Reserve Build / (Release)	4			—			—			(2		)	(1		)	—			(1		)	(1		)	(1		)	—			—			—			—			—			—			—			2			(3		)	(1		)	—
Provision for Benefits & Claims	—			1			(1		)	—			1			—			(1		)	1			—			(1		)	—			—			—			—			—			—			—			1			(1		)	—
Provision for Unfunded Lending Commitments	(2		)	—			(1		)	—			—			—			1			(1		)	—			—			—			1			—			—			—			—			(3		)	—			1			—
Provision for Loan Losses and for Benefits and Claims	1			—			(1		)	(1		)	1			—			—			—			—			—			(1		)	—			—			—			—			—			(1		)	1			(1		)	—
Income from Continuing Operations before Taxes	106			547			378			(388		)	(535		)	(178		)	(49		)	42			(62		)	(624		)	(507		)	(948		)	(334		)	(180		)	(164		)	(234		)	643			(720		)	(2,141		)	(912		)
Income Taxes	2			266			152			(273		)	(167		)	(157		)	(87		)	(31		)	99			(352		)	(598		)	(242		)	(169		)	49			(184		)	22			147			(442		)	(1,093		)	(282		)
Income from Continuing Operations	104			281			226			(115		)	(368		)	(21		)	38			73			(161		)	(272		)	91			(706		)	(165		)	(229		)	20			(256		)	496			(278		)	(1,048		)	(630		)
Income (Loss) from Discontinued Operations, net of taxes (2)	207			10			(346		)	113			32			50			—			(14		)	12			7			8			(85		)	(33		)	30			92			181			(16		)	68			(58		)	270
Noncontrolling Interests	—			—			(51		)	3			—			—			(41		)	14			63			9			8			5			30			6			22			26			(48		)	(27		)	85			84
Net Income (Loss)	$	311		$	291		$	(69	)	$	(5	)	$	(336	)	$	29		$	79		$	45		$	(212	)	$	(274	)	$	91		$	(796	)	$	(228	)	$	(205	)	$	90		$	(101	)	$	528		$	(183	)	$	(1,191	)	$	(444	)
EOP Assets (in billions of dollars)	$	261		$	259		$	276		$	268		$	278		$	265		$	279		$	281		$	308		$	285		$	298		$	243		$	280		$	290		$	317		$	313		$	268		$	281		$	243		$	313
Average Assets (in billions of dollars)	$	262		$	277		$	275		$	285		$	280		$	281		$	279		$	282		$	285		$	281		$	289		$	283		$	264		$	275		$	292		$	316		$	275		$	281		$	285		$	287

(1)	Includes unallocated global staff functions, other corporate expense and unallocated global operations and technology expenses, Corporate Treasury, Corporate items and Income (Loss) from Discontinued Operations.
(2)	See Footnote 3 on page 2 for components of Discontinued operations.

Reclassified to conform to the current period’s presentation.

20

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

																																																	Full			Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013			2010			2011			2012			2013
Net Interest Revenue	$	6,300		$	6,072		$	5,672		$	5,622		$	5,495		$	5,373		$	5,519		$	5,410		$	5,353		$	5,379		$	5,603		$	5,708		$	5,548		$	5,458		$	5,593		$	5,814		$	23,666		$	21,797		$	22,043		$	22,413
Non-Interest Revenue	3,601			2,697			2,652			1,182			2,427			2,352			2,699			1,070			1,890			2,388			1,902			1,700			3,139			2,840			1,585			1,272			10,132			8,548			7,880			8,836
Total Revenues, Net of Interest Expense	9,901			8,769			8,324			6,804			7,922			7,725			8,218			6,480			7,243			7,767			7,505			7,408			8,687			8,298			7,178			7,086			33,798			30,345			29,923			31,249
Total Operating Expenses	4,117			4,224			3,985			4,191			4,435			4,505			4,398			4,745			4,453			4,553			4,414			4,748			4,430			4,341			4,276			4,388			16,517			18,083			18,168			17,435
Net Credit Losses	3,689			3,497			3,418			2,963			2,527			2,253			1,894			1,816			1,547			1,564			1,370			1,269			1,271			1,207			1,121			1,113			13,567			8,490			5,750			4,712
Credit Reserve Build / (Release)	(27		)	(271		)	(317		)	(751		)	(1,275		)	(1,230		)	(871		)	(827		)	(811		)	(839		)	(574		)	(293		)	(424		)	(331		)	(329		)	(71		)	(1,366		)	(4,203		)	(2,517		)	(1,155		)
Provision Unfunded Lending Commitments	(1		)	(20		)	(5		)	1			9			—			58			36			(17		)	19			(15		)	44			3			(19		)	94			(29		)	(25		)	103			31			49
Provision for Benefits & Claims	17			14			12			14			17			14			18			13			14			19			19			18			14			13			17			16			57			62			70			60
Provision for Credit Losses and for Benefits and Claims	3,678			3,220			3,108			2,227			1,278			1,037			1,099			1,038			733			763			800			1,038			864			870			903			1,029			12,233			4,452			3,334			3,666
Income from Continuing Operations before Taxes	2,106			1,325			1,231			386			2,209			2,183			2,721			697			2,057			2,451			2,291			1,622			3,393			3,087			1,999			1,669			5,048			7,810			8,421			10,148
Income Taxes	635			281			198			20			719			614			846			146			520			684			671			384			1,063			1,019			597			416			1,134			2,325			2,259			3,095
Income from Continuing Operations	1,471			1,044			1,033			366			1,490			1,569			1,875			551			1,537			1,767			1,620			1,238			2,330			2,068			1,402			1,253			3,914			5,485			6,162			7,053
Noncontrolling Interests	5			1			14			33			(8		)	(7		)	(17		)	3			32			10			(7		)	9			17			(2		)	3			6			53			(29		)	44			24
Net Income	$	1,466		$	1,043		$	1,019		$	333		$	1,498		$	1,576		$	1,892		$	548		$	1,505		$	1,757		$	1,627		$	1,229		$	2,313		$	2,070		$	1,399		$	1,247		$	3,861		$	5,514		$	6,118		$	7,029
Average Assets (in billions of dollars)	$	593		$	597		$	565		$	573		$	592		$	595		$	588		$	586		$	595		$	616		$	629		$	635		$	633		$	638		$	629		$	632		$	581		$	590		$	618		$	633
Return on Average Assets	1.00		%	0.70		%	0.72		%	0.23		%	1.03		%	1.06		%	1.28		%	0.37		%	1.02		%	1.15		%	1.03		%	0.77		%	1.48		%	1.30		%	0.88		%	0.78		%	0.66		%	0.93		%	0.99		%	1.11		%
Efficiency Ratio	42		%	48		%	48		%	62		%	56		%	58		%	54		%	73		%	61		%	59		%	59		%	64		%	51		%	52		%	60		%	62		%	49		%	60		%	61		%	56		%
Revenue by Business																																										��
Retail Banking	$	1,281		$	1,324		$	1,374		$	1,353		$	1,188		$	1,253		$	1,284		$	1,392		$	1,630		$	1,651		$	1,739		$	1,667		$	1,573		$	1,592		$	1,124		$	1,087		$	5,332		$	5,117		$	6,687		$	5,376
Citi-Branded Cards	2,553			2,405			2,404			2,243			2,181			2,151			2,170			2,139			2,046			1,988			2,087			2,113			2,026			1,978			2,087			2,120			9,605			8,641			8,234			8,211
Citi Retail Services	1,792			1,704			1,645			1,538			1,539			1,512			1,614			1,602			1,491			1,464			1,541			1,533			1,511			1,483			1,528			1,667			6,679			6,267			6,029			6,189
Global Consumer Banking	5,626			5,433			5,423			5,134			4,908			4,916			5,068			5,133			5,167			5,103			5,367			5,313			5,110			5,053			4,739			4,874			21,616			20,025			20,950			19,776
Institutional Clients Group	4,275			3,336			2,901			1,670			3,014			2,809			3,150			1,347			2,076			2,664			2,138			2,095			3,577			3,245			2,439			2,212			12,182			10,320			8,973			11,473
Total	$	9,901		$	8,769		$	8,324		$	6,804		$	7,922		$	7,725		$	8,218		$	6,480		$	7,243		$	7,767		$	7,505		$	7,408		$	8,687		$	8,298		$	7,178		$	7,086		$	33,798		$	30,345		$	29,923		$	31,249
CVA/DVA {included as applicable in businesses above}	169			260			63			(542		)	(64		)	180			982			(52		)	(629		)	99			(346		)	(262		)	(102		)	92			(140		)	(113		)	(50		)	1,046			(1,138		)	(263		)
Total Revenues - Excluding CVA/DVA (2)	$	9,732		$	8,509		$	8,261		$	7,346		$	7,986		$	7,545		$	7,236		$	6,532		$	7,872		$	7,668		$	7,851		$	7,670		$	8,789		$	8,206		$	7,318		$	7,199		$	33,848		$	29,299		$	31,061		$	31,512
Income (loss) from Continuing Operations by Business
Retail Banking	$	147		$	190		$	189		$	176		$	68		$	80		$	103		$	145		$	306		$	309		$	314		$	207		$	212		$	257		$	(37	)	$	(21	)	$	702		$	396		$	1,136		$	411
Citi-Branded Cards	(151		)	(154		)	(28		)	218			453			571			552			477			584			405			546			453			432			440			548			522			(115		)	2,053			1,988			1,942
Citi Retail Services	(163		)	—			283			59			361			405			394			265			365			418			374			283			430			387			383			357			179			1,425			1,440			1,557
Global Consumer Banking	(167		)	36			444			453			882			1,056			1,049			887			1,255			1,132			1,234			943			1,074			1,084			894			858			766			3,874			4,564			3,910
Institutional Clients Group	1,638			1,008			589			(87		)	608			513			826			(336		)	282			635			386			295			1,256			984			508			395			3,148			1,611			1,598			3,143
Total	$	1,471		$	1,044		$	1,033		$	366		$	1,490		$	1,569		$	1,875		$	551		$	1,537		$	1,767		$	1,620		$	1,238		$	2,330		$	2,068		$	1,402		$	1,253		$	3,914		$	5,485		$	6,162		$	7,053
CVA/DVA {included as applicable in businesses above}	104			165			37			(334		)	(40		)	112			609			(28		)	(390		)	63			(216		)	(162		)	(62		)	57			(88		)	(68		)	(28		)	653			(705		)	(161		)
Income (loss) from Continuing Operations - Excluding CVA/DVA (2)	$	1,367		$	879		$	996		$	700		$	1,530		$	1,457		$	1,266		$	579		$	1,927		$	1,704		$	1,836		$	1,400		$	2,392		$	2,011		$	1,490		$	1,321		$	3,942		$	4,832		$	6,867		$	7,214

(1)              Regional results do not include Corporate/Other.  See page 20 for Corporate/Other results.

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

Reclassified to conform to the current period’s presentation.

21

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

																																																	Full			Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013			2010			2011			2012			2013
Net Interest Revenue	$	1,149		$	1,178		$	1,192		$	1,195		$	1,158		$	1,062		$	1,154		$	1,149		$	1,300		$	1,184		$	1,261		$	1,310		$	1,166		$	1,214		$	1,068		$	1,065		$	4,714		$	4,523		$	5,055		$	4,513
Non-Interest Revenue	2,611			1,810			1,728			859			2,140			1,870			2,402			1,262			1,929			1,700			1,483			1,295			1,955			2,238			1,438			1,325			7,008			7,674			6,407			6,956
Total Revenues, Net of Interest Expense	3,760			2,988			2,920			2,054			3,298			2,932			3,556			2,411			3,229			2,884			2,744			2,605			3,121			3,452			2,506			2,390			11,722			12,197			11,462			11,469
Total Operating Expenses	1,848			2,116			1,878			1,898			1,951			2,074			2,040			2,083			2,033			1,940			1,931			2,170			2,003			1,948			1,921			1,893			7,740			8,148			8,074			7,765
Net Credit Losses	117			94			82			124			92			72			86			112			52			20			48			71			41			25			41			36			417			362			191			143
Credit Reserve Build / (Release)	(174		)	(165		)	(150		)	(45		)	(274		)	(105		)	(30		)	(164		)	75			(38		)	(47		)	92			79			(64		)	36			(108		)	(534		)	(573		)	82			(57		)
Provision Unfunded Lending Commitments	(6		)	(5		)	6			(1		)	(5		)	(5		)	(4		)	12			5			7			(10		)	6			1			(1		)	(18		)	(1		)	(6		)	(2		)	8			(19		)
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—
Provision for Credit Losses and for Benefits and Claims	(63		)	(76		)	(62		)	78			(187		)	(38		)	52			(40		)	132			(11		)	(9		)	169			121			(40		)	59			(73		)	(123		)	(213		)	281			67
Income from Continuing Operations before Taxes	1,975			948			1,104			78			1,534			896			1,464			368			1,064			955			822			266			997			1,544			526			570			4,105			4,262			3,107			3,637
Income Taxes	662			261			317			(120		)	479			277			476			(29		)	289			287			227			(102		)	342			519			139			170			1,120			1,203			701			1,170
Income from Continuing Operations	1,313			687			787			198			1,055			619			988			397			775			668			595			368			655			1,025			387			400			2,985			3,059			2,406			2,467
Noncontrolling Interests	20			17			17			17			21			17			22			22			28			22			23			16			36			30			18			12			71			82			89			96
Net Income	$	1,293		$	670		$	770		$	181		$	1,034		$	602		$	966		$	375		$	747		$	646		$	572		$	352		$	619		$	995		$	369		$	388		$	2,914		$	2,977		$	2,317		$	2,371
Average Assets (in billions of dollars)	$	240		$	241		$	257		$	265		$	262		$	298		$	311		$	301		$	296		$	299		$	282		$	293		$	302		$	312		$	291		$	294		$	251		$	293		$	293		$	300
Return on Average Assets	2.18		%	1.12		%	1.19		%	0.27		%	1.60		%	0.81		%	1.23		%	0.49		%	1.02		%	0.87		%	0.81		%	0.48		%	0.83		%	1.28		%	0.50		%	0.52		%	1.16		%	1.02		%	0.79		%	0.79		%
Efficiency Ratio	49		%	71		%	64		%	92		%	59		%	71		%	57		%	86		%	63		%	67		%	70		%	83		%	64		%	56		%	77		%	79		%	66		%	67		%	70		%	68		%
Revenue by Business
Retail Banking	$	233		$	210		$	190		$	228		$	239		$	230		$	210		$	195		$	216		$	210		$	220		$	227		$	215		$	214		$	219		$	220		$	861		$	874		$	873		$	868
Citi-Branded Cards	180			167			160			161			175			173			161			146			153			148			154			157			153			150			140			138			668			655			612			581
Regional Consumer Banking	413			377			350			389			414			403			371			341			369			358			374			384			368			364			359			358			$	1,529		$	1,529		$	1,485		$	1,449
Institutional Clients Group	3,347			2,611			2,570			1,665			2,884			2,529			3,185			2,070			2,860			2,526			2,370			2,221			2,753			3,088			2,147			2,032			10,193			10,668			9,977			10,020
Total	$	3,760		$	2,988		$	2,920		$	2,054		$	3,298		$	2,932		$	3,556		$	2,411		$	3,229		$	2,884		$	2,744		$	2,605		$	3,121		$	3,452		$	2,506		$	2,390		$	11,722		$	12,197		$	11,462		$	11,469
CVA/DVA {included as applicable in businesses above}	15			(57		)	18			(466		)	(141		)	(56		)	684			(18		)	(601		)	2			(342		)	(156		)	(185		)	342			(181		)	(21		)	(490		)	469			(1,097		)	(45		)
Total Revenues - Excluding CVA/DVA (2)	$	3,745		$	3,045		$	2,902		$	2,520		$	3,439		$	2,988		$	2,872		$	2,429		$	3,830		$	2,882		$	3,086		$	2,761		$	3,306		$	3,110		$	2,687		$	2,411		12,212			11,728			12,559			11,514
Income (loss) from Continuing Operations by Business
Retail Banking	$	(14	)	$	(2	)	$	(31	)	$	(30	)	$	7		$	(17	)	$	(27	)	$	(24	)	$	(30	)	$	(14	)	$	(18	)	$	(47	)	$	(13	)	$	(5	)	$	(7	)	$	(17	)	$	(77	)	$	(61	)	$	(109	)	$	(42	)
Citi-Branded Cards	33			42			41			29			41			41			27			11			11			20			18			(1		)	14			27			20			16			145			120			48			77
Regional Consumer Banking	19			40			10			(1		)	48			24			—			(13		)	(19		)	6			—			(48		)	1			22			13			(1		)	$	68		$	59		$	(61	)	$	35
Institutional Clients Group	1,294			647			777			199			1,007			595			988			410			794			662			595			416			654			1,003			374			401			2,917			3,000			2,467			2,432
Total	$	1,313		$	687		$	787		$	198		$	1,055		$	619		$	988		$	397		$	775		$	668		$	595		$	368		$	655		$	1,025		$	387		$	400		$	2,985		$	3,059		$	2,406		$	2,467
CVA/DVA {included as applicable in businesses above}	9			(36		)	11			(288		)	(87		)	(35		)	425			(10		)	(373		)	1			(214		)	(97		)	(115		)	210			(112		)	(13		)	(304		)	293			(683		)	(30		)
Income (loss) from Continuing Operations - Excluding CVA/DVA (2)	$	1,304		$	723		$	776		$	486		$	1,142		$	654		$	563		$	407		$	1,148		$	667		$	809		$	465		$	770		$	815		$	499		$	413		$	3,289		$	2,766		$	3,089		$	2,497

(1)Regional results do not include Corporate/Other.  See page 20 for Corporate/Other results.

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

Reclassified to conform to the current period’s presentation.

22

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

																																																	Full			Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013			2010			2011			2012			2013
Net Interest Revenue	$	2,051		$	2,023		$	2,086		$	2,217		$	2,190		$	2,291		$	2,222		$	2,167		$	2,177		$	2,147		$	2,227		$	2,315		$	2,250		$	2,359		$	2,294		$	2,341		$	8,377		$	8,870		$	8,866		$	9,244
Non-Interest Revenue	790			813			946			965			868			986			872			910			1,177			1,122			1,186			1,101			1,281			1,197			1,073			1,213			3,514			3,636			4,586			4,764
Total Revenues, Net of Interest Expense	2,841			2,836			3,032			3,182			3,058			3,277			3,094			3,077			3,354			3,269			3,413			3,416			3,531			3,556			3,367			3,554			11,891			12,506			13,452			14,008
Total Operating Expenses	1,434			1,581			1,579			1,697			1,666			1,795			1,793			1,754			1,703			1,685			1,737			2,030			1,835			1,843			1,766			2,229			6,291			7,008			7,155			7,673
Net Credit Losses	449			417			393			401			337			325			319			373			333			347			356			427			424			423			443			458			1,660			1,354			1,463			1,748
Credit Reserve Build / (Release)	(160		)	(256		)	(331		)	(168		)	(251		)	(27		)	12			17			85			80			60			35			57			49			153			68			(915		)	(249		)	260			327
Provision Unfunded Lending Commitments	—			—			—			—			—			—			(9		)	—			—			—			—			—			—			—			20			9			—			(9		)	—			29
Provision for Benefits & Claims	36			22			32			37			38			22			38			32			44			31			46			46			49			33			34			36			127			130			167			152
Provision for Credit Losses and for Benefits and Claims	325			183			94			270			124			320			360			422			462			458			462			508			530			505			650			571			872			1,226			1,890			2,256
Income from Continuing Operations before Taxes	1,082			1,072			1,359			1,215			1,268			1,162			941			901			1,189			1,126			1,214			878			1,166			1,208			951			754			4,728			4,272			4,407			4,079
Income Taxes	313			279			426			298			369			316			254			206			341			326			359			120			338			335			260			181			1,316			1,145			1,146			1,114
Income from Continuing Operations	769			793			933			917			899			846			687			695			848			800			855			758			828			873			691			573			3,412			3,127			3,261			2,965
Noncontrolling Interests	(5		)	1			(2		)	—			(3		)	1			—			1			—			(3		)	—			(3		)	1			—			1			1			(6		)	(1		)	(6		)	3
Net Income	$	774		$	792		$	935		$	917		$	902		$	845		$	687		$	694		$	848		$	803		$	855		$	761		$	827		$	873		$	690		$	572		$	3,418		$	3,128		$	3,267		$	2,962
Average Assets (in billions of dollars)	$	146		$	149		$	151		$	160		$	171		$	177		$	169		$	162		$	167		$	165		$	169		$	175		$	184		$	180		$	177		$	178		$	152		$	170		169			$	180
Return on Average Assets	2.20		%	2.18		%	2.51		%	2.33		%	2.19		%	1.96		%	1.66		%	1.74		%	2.10		%	2.00		%	2.06		%	1.77		%	1.86		%	1.95		%	1.55		%	1.27		%	2.30		%	1.89		%	1.98		%	1.65		%
Efficiency Ratio	50		%	56		%	52		%	53		%	54		%	55		%	58		%	57		%	51		%	52		%	51		%	59		%	52		%	52		%	52		%	63		%	53		%	56		%	53		%	55		%
Revenue by Business
Retail Banking	$	1,204		$	1,245		$	1,307		$	1,343		$	1,357		$	1,425		$	1,416		$	1,364		$	1,468		$	1,397		$	1,465		$	1,511		$	1,544		$	1,544		$	1,483		$	1,562		$	5,099		$	5,562		$	5,841		$	6,133
Citi-Branded Cards	704			693			719			721			728			763			746			754			714			690			720			777			764			789			789			841			2,837			2,991			2,901			3,183
Regional Consumer Banking	1,908			1,938			2,026			2,064			2,085			2,188			2,162			2,118			2,182			2,087			2,185			2,288			2,308			2,333			2,272			2,403			$	7,936		$	8,553		$	8,742		$	9,316
Institutional Clients Group	933			898			1,006			1,118			973			1,089			932			959			1,172			1,182			1,228			1,128			1,223			1,223			1,095			1,151			3,955			3,953			4,710			4,692
Total	$	2,841		$	2,836		$	3,032		$	3,182		$	3,058		$	3,277		$	3,094		$	3,077		$	3,354		$	3,269		$	3,413		$	3,416		$	3,531		$	3,556		$	3,367		$	3,554		$	11,891		$	12,506		$	13,452		$	14,008
CVA/DVA {included as applicable in businesses above}	43			(49		)	9			50			7			10			9			19			(5		)	2			(3		)	(15		)	(9		)	23			(7		)	4			53			45			(21		)	11
Total Revenues - Excluding CVA/DVA (2)	$	2,798		$	2,885		$	3,023		$	3,132		$	3,051		$	3,267		$	3,085		$	3,058		$	3,359		$	3,267		$	3,416		$	3,431		$	3,540		$	3,533		$	3,374		$	3,550		11,838			12,461			13,473			13,997
Income from Continuing Operations by Business
Retail Banking	$	230		$	250		$	251		$	211		$	293		$	234		$	166		$	201		$	198		$	219		$	203		$	217		$	228		$	190		$	123		$	211		$	942		$	894		$	837		$	752
Citi-Branded Cards	140			205			255			210			185			180			171			181			155			94			149			147			128			156			141			160			810			717			545			585
Regional Consumer Banking	370			455			506			421			478			414			337			382			353			313			352			364			356			346			264			371			$	1,752		$	1,611		$	1,382		$	1,337
Institutional Clients Group	399			338			427			496			421			432			350			313			495			487			503			394			472			527			427			202			1,660			1,516			1,879			1,628
Total	$	769		$	793		$	933		$	917		$	899		$	846		$	687		$	695		$	848		$	800		$	855		$	758		$	828		$	873		$	691		$	573		$	3,412		$	3,127		$	3,261		$	2,965
CVA/DVA {included as applicable in businesses above}	26			(31		)	5			31			4			6			6			10			(3		)	1			(2		)	(9		)	(6		)	14			(4		)	2			31			26			(13		)	6
Income (loss) from Continuing Operations - Excluding CVA/DVA (2)	$	743		$	824		$	928		$	886		$	895		$	840		$	681		$	685		$	851		$	799		$	857		$	767		$	834		$	859		$	695		$	571		$	3,381		$	3,101		$	3,274		$	2,959

(1)Regional results do not include Corporate/Other.  See page 20 for Corporate/Other results.

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

Reclassified to conform to the current period’s presentation.

23

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

																																																	Full			Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013			2010			2011			2012			2013
Net Interest Revenue	$	1,949		$	1,992		$	1,986		$	2,074		$	2,077		$	2,279		$	2,306		$	2,262		$	2,222		$	2,162		$	2,137		$	2,158		$	2,058		$	2,005		$	1,974		$	2,011		$	8,001		$	8,924		$	8,679		$	8,048
Non-Interest Revenue	1,800			1,525			1,568			1,544			1,563			1,512			1,976			1,241			1,749			1,653			1,577			1,372			1,940			1,967			1,579			1,472			6,437			6,292			6,351			6,958
Total Revenues, Net of Interest Expense	3,749			3,517			3,554			3,618			3,640			3,791			4,282			3,503			3,971			3,815			3,714			3,530			3,998			3,972			3,553			3,483			14,438			15,216			15,030			15,006
Total Operating Expenses	1,861			1,898			2,108			2,236			2,214			2,323			2,229			2,310			2,259			2,233			2,300			2,314			2,163			2,159			2,114			2,096			8,103			9,076			9,106			8,532
Net Credit Losses	284			256			246			235			220			234			239			209			191			230			317			247			212			183			190			205			1,021			902			985			790
Credit Reserve Build / (Release)	(8		)	(146		)	(139		)	(62		)	(23		)	(43		)	(62		)	82			53			31			(103		)	(27		)	(29		)	45			36			7			(355		)	(46		)	(46		)	59
Provision for Unfunded Lending Commitments	—			(1		)	—			—			—			—			—			—			—			—			—			—			14			10			12			(5		)	(1		)	—			—			31
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—
Provision for Credit Losses and for Benefits and Claims	276			109			107			173			197			191			177			291			244			261			214			220			197			238			238			207			665			856			939			880
Income from Continuing Operations before Taxes	1,612			1,510			1,339			1,209			1,229			1,277			1,876			902			1,468			1,321			1,200			996			1,638			1,575			1,201			1,180			5,670			5,284			4,985			5,594
Income Taxes	283			377			371			220			315			332			506			299			395			386			313			289			556			543			406			397			1,251			1,452			1,383			1,902
Income from Continuing Operations	1,329			1,133			968			989			914			945			1,370			603			1,073			935			887			707			1,082			1,032			795			783			4,419			3,832			3,602			3,692
Noncontrolling Interests	1			1			1			1			1			1			1			1			1			1			1			1			1			1			1			1			4			4			4			4
Net Income	$	1,328		$	1,132		$	967		$	988		$	913		$	944		$	1,369		$	602		$	1,072		$	934		$	886		$	706		$	1,081		$	1,031		$	794		$	782		$	4,415		$	3,828		$	3,598		$	3,688
Average Assets (in billions of dollars)	$	302		$	309		$	324		$	339		$	344		$	356		$	357		$	344		$	346		$	353		$	356		$	353		$	351		$	351		$	346		$	349		$	319		$	350		352			$	349
Return on Average Assets	1.78		%	1.47		%	1.18		%	1.16		%	1.08		%	1.06		%	1.52		%	0.69		%	1.25		%	1.06		%	0.99		%	0.80		%	1.25		%	1.18		%	0.91		%	0.89		%	1.38		%	1.09		%	1.02		%	1.06		%
Efficiency Ratio	50		%	54		%	59		%	62		%	61		%	61		%	52		%	66		%	57		%	59		%	62		%	66		%	54		%	54		%	59		%	60		%	56		%	60		%	61		%	57		%
Revenue by Business
Retail Banking	$	1,137		$	1,174		$	1,172		$	1,215		$	1,182		$	1,270		$	1,293		$	1,224		$	1,230		$	1,165		$	1,196		$	1,175		$	1,200		$	1,192		$	1,102		$	1,070		$	4,698		$	4,969		$	4,766		$	4,564
Citi-Branded Cards	662			669			666			714			718			760			778			799			768			787			787			820			760			776			760			764			2,711			3,055			3,162			3,060
Regional Consumer Banking	1,799			1,843			1,838			1,929			1,900			2,030			2,071			2,023			1,998			1,952			1,983			1,995			1,960			1,968			1,862			1,834			$	7,409		$	8,024		$	7,928		$	7,624
Institutional Clients Group	1,950			1,674			1,716			1,689			1,740			1,761			2,211			1,480			1,973			1,863			1,731			1,535			2,038			2,004			1,691			1,649			7,029			7,192			7,102			7,382
Total	$	3,749		$	3,517		$	3,554		$	3,618		$	3,640		$	3,791		$	4,282		$	3,503		$	3,971		$	3,815		$	3,714		$	3,530		$	3,998		$	3,972		$	3,553		$	3,483		$	14,438		$	15,216		$	15,030		$	15,006
CVA/DVA {included as applicable in businesses above}	58			101			9			(80		)	(31		)	13			213			(23		)	(141		)	95			(108		)	(77		)	(14		)	5			(4		)	(35		)	88			172			(231		)	(48		)
Total Revenues - Excluding CVA/DVA (2)	$	3,691		$	3,416		$	3,545		$	3,698		$	3,671		$	3,778		$	4,069		$	3,526		$	4,112		$	3,720		$	3,822		$	3,607		$	4,012		$	3,967		$	3,557		$	3,518		14,350			15,044			15,261			15,054
Income from Continuing Operations by Business
Retail Banking	$	403		$	363		$	323		$	329		$	275		$	300		$	352		$	228		$	289		$	227		$	237		$	177		$	240		$	223		$	178		$	145		$	1,418		$	1,155		$	930		$	786
Citi-Branded Cards	142			176			154			159			157			158			189			162			190			200			191			201			154			187			186			168			631			666			782			695
Regional Consumer Banking	545			539			477			488			432			458			541			390			479			427			428			378			394			410			364			313			$	2,049		$	1,821		$	1,712		$	1,481
Institutional Clients Group	784			594			491			501			482			487			829			213			594			508			459			329			688			622			431			470			2,370			2,011			1,890			2,211
Total	$	1,329		$	1,133		$	968		$	989		$	914		$	945		$	1,370		$	603		$	1,073		$	935		$	887		$	707		$	1,082		$	1,032		$	795		$	783		$	4,419		$	3,832		$	3,602		$	3,692
CVA/DVA {included as applicable in businesses above}	35			64			5			(49		)	(19		)	8			132			(12		)	(88		)	61			(67		)	(48		)	(9		)	3			(2		)	(21		)	55			109			(142		)	(29		)
Income (loss) from Continuing Operations - Excluding CVA/DVA (2)	$	1,294		$	1,069		$	963		$	1,038		$	933		$	937		$	1,238		$	615		$	1,161		$	874		$	954		$	755		$	1,091		$	1,029		$	797		$	804		$	4,364		$	3,723		$	3,744		$	3,721

(1)  Regional results do not include Corporate/Other. See page 20 for Corporate/Other results.

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

Reclassified to conform to the current period’s presentation.

24

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

																																																	Full			Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013			2010			2011			2012			2013
Revenues
Net interest revenue	$	2,627		$	2,272		$	1,875		$	1,351		$	1,043		$	1,046		$	783		$	854		$	709		$	595		$	680		$	635		$	753		$	784		$	776		$	871		$	8,125		$	3,726		$	2,619		$	3,184
Non-interest revenue	2,044			856			237			965			576			1,347			308			233			168			341			(4,366		)	433			152			312			482			436			4,102			2,464			(3,424		)	1,382
Total revenues, net of interest expense	4,671			3,128			2,112			2,316			1,619			2,393			1,091			1,087			877			936			(3,686		)	1,068			905			1,096			1,258			1,307			12,227			6,190			(805		)	4,566
Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses (1) (2)	3,784			3,645			3,460			3,069			3,018			2,165			1,881			1,512			1,734			1,329			1,807			972			930			770			635			735			13,958			8,576			5,842			3,070
Credit Reserve Build / (Release) (1) (3)	340			(601		)	(1,034		)	(1,199		)	(1,558		)	(575		)	(532		)	(612		)	(550		)	(250		)	(797		)	46			(347		)	(480		)	(674		)	(532		)	(2,494		)	(3,277		)	(1,551		)	(2,033		)
Provision for loan losses	4,124			3,044			2,426			1,870			1,460			1,590			1,349			900			1,184			1,079			1,010			1,018			583			290			(39		)	203			11,464			5,299			4,291			1,037
Provision for Benefits & Claims	234			176			184			187			204			183			204			188			171			165			160			155			168			154			153			143			781			779			651			618
Provision for unfunded lending commitments	(26		)	(45		)	26			(37		)	21			(8		)	(3		)	(51		)	(26		)	(19		)	(16		)	5			(4		)	7			(5		)	(8		)	(82		)	(41		)	(56		)	(10		)
Total provisions for credit losses and for benefits and claims	4,332			3,175			2,636			2,020			1,685			1,765			1,550			1,037			1,329			1,225			1,154			1,178			747			451			109			338			12,163			6,037			4,886			1,645
Total operating expenses	1,926			1,833			1,628			1,755			1,402			1,629			1,465			1,843			1,222			1,243			1,189			1,609			1,517			1,564			1,396			1,493			7,142			6,339			5,263			5,970
Income (Loss) from Continuing Operations before Income Taxes	(1,587		)	(1,880		)	(2,152		)	(1,459		)	(1,468		)	(1,001		)	(1,924		)	(1,793		)	(1,674		)	(1,532		)	(6,029		)	(1,719		)	(1,359		)	(919		)	(247		)	(524		)	(7,078		)	(6,186		)	(10,954		)	(3,049		)
Provision (benefits) for income taxes	(854		)	(657		)	(778		)	(462		)	(517		)	(396		)	(709		)	(486		)	(647		)	(613		)	(2,466		)	(663		)	(560		)	(338		)	(138		)	(96		)	(2,751		)	(2,108		)	(4,389		)	(1,132		)
Income (Loss) from Continuing Operations	(733		)	(1,223		)	(1,374		)	(997		)	(951		)	(605		)	(1,215		)	(1,307		)	(1,027		)	(919		)	(3,563		)	(1,056		)	(799		)	(581		)	(109		)	(428		)	(4,327		)	(4,078		)	(6,565		)	(1,917		)
Noncontrolling Interests	11			8			80			108			61			50			7			1			2			1			—			—			5			1			6			4			207			119			3			16
Citi Holding’s Net Income (Loss)	$	(744	)	$	(1,231	)	$	(1,454	)	$	(1,105	)	$	(1,012	)	$	(655	)	$	(1,222	)	$	(1,308	)	$	(1,029	)	$	(920	)	$	(3,563	)	$	(1,056	)	$	(804	)	$	(582	)	$	(115	)	$	(432	)	$	(4,534	)	$	(4,197	)	$	(6,568	)	$	(1,933	)
Balance Sheet Data (in billions):
Total Average Assets	$	470		$	444		$	407		$	360		$	305		$	275		$	260		$	236		$	223		$	202		$	184		$	166		$	153		$	143		$	125		$	119		$	420		$	269		$	194		$	135
Total EOP Assets	$	458		$	420		$	377		$	313		$	295		$	265		$	247		$	225		$	209		$	191		$	171		$	156		$	149		$	131		$	122		$	117		$	313		$	225		$	156		$	117
Total EOP Loans	$	298		$	270		$	219		$	199		$	180		$	168		$	155		$	141		$	134		$	128		$	122		$	116		$	108		$	100		$	96		$	93		$	199		$	141		$	116		$	93
Total EOP Deposits	$	80		$	77		$	78		$	76		$	74		$	70		$	68		$	62		$	63		$	63		$	67		$	68		$	66		$	65		$	42		$	36		$	76		$	62		$	68		$	36
Consumer Net Credit Losses as a % of Average Loans	5.19		%	4.94		%	5.34		%	5.26		%	5.51		%	4.73		%	4.30		%	4.23		%	5.31		%	4.09		%	5.96		%	3.45		%	3.37		%	3.01		%	2.47		%	3.20		%	5.16		%	4.69		%	4.72		%	3.02		%

(1)	Full year 2012 includes approximately $635 million of incremental charge-offs in the third quarter of 2012 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 fourth quarter of 2013 NCLs include approximately $184 million related to: 1) a change in charge-off policy for mortgages originated in CFNA to more closely align to policies used in the CMI business ($91 million); 2) acceleration of accounting losses associated with modified home equity loans determined to be collateral dependent ($64 million); and 3) change in estimate of NCLs related to collateral dependent loans to borrowers that have gone through Chapter 7 of the U.S. bankruptcy code ($29 million, of which $15 million related to CMI residential first mortgages and $14 million related to home equity loans). These incremental $184 million of NCLs were fully offset by related loan loss reserve releases during the quarter.
(3)	The fourth quarter of 2012, first quarter of 2013, second quarter of 2013, third quarter of 2013 and fourth quarter of 2013 include $100 million, $148 million, $124 million, $91 million and $60 million, respectively, of builds (releases) related to gains/(losses) on loan sales.

Reclassified to conform to the current period’s presentation.

25

CITI HOLDINGS CONSUMER KEY INDICATORS - Page 1 (In millions of dollars, except as otherwise noted)

	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q
	2010	2010	2010	2010	2011	2011	2011	2011	2012	2012	2012	2012	2013	2013	2013	2013
CITI HOLDINGS KEY INDICATORS:
Consumer - International
Branches (actual)	534	532	532	501	498	498	408	395	394	357	357	90	90	83	73	73

Average Loans (in billions) (1)	$	30.0		$	26.1		$	25.0		$	23.6		$	16.1		$	17.4		$	15.9		$	14.4		$	10.7		$	9.6		$	9.0		$	8.2		$	7.3		$	6.4		$	6.1		$	5.9
EOP Loans (1):
Real Estate Lending (REL)	$	7.5		$	7.0		$	7.0		$	6.6		$	6.5		$	5.5		$	5.3		$	5.0		$	4.9		$	4.5		$	4.5		$	4.2		$	3.7		$	3.4		$	3.2		$	3.2
Cards	6.8			6.2			6.5			6.2			3.5			3.6			3.3			2.7			2.7			2.6			2.6			2.5			2.3			2.4			2.4			2.5
Commercial Markets	1.2			1.2			1.2			1.2			1.1			1.0			0.7			0.5			0.6			0.5			0.4			0.1			0.1			—			—			—
Personal and Other	12.2			10.2			10.0			7.9			7.0			6.4			5.5			2.6			2.0			1.7			1.3			0.8			0.5			0.4			0.4			0.2
EOP Loans (in billions of dollars)	$	27.7		$	24.6		$	24.7		$	21.9		$	18.1		$	16.5		$	14.8		$	10.8		$	10.2		$	9.3		$	8.8		$	7.6		$	6.6		$	6.2		$	6.0		$	5.9
Net Interest Revenue	$	465		$	391		$	395		$	135		$	5		$	277		$	175		$	248		$	262		$	121		$	138		$	94		$	83		$	123		$	57		$	66
As a % of Average Loans	6.29		%	6.01		%	6.27		%	2.27		%	0.13		%	6.39		%	4.37		%	6.83		%	9.85		%	5.07		%	6.10		%	4.56		%	4.61		%	7.71		%	3.71		%	4.44		%
Net Credit Losses	$	612		$	495		$	444		$	376		$	341		$	286		$	237		$	193		$	171		$	154		$	121		$	90		$	85		$	51		$	46		$	35
As a % of Average Loans	8.27		%	7.61		%	7.05		%	6.32		%	8.59		%	6.59		%	5.91		%	5.32		%	6.43		%	6.45		%	5.35		%	4.37		%	4.72		%	3.20		%	2.99		%	2.35		%
Loans 90+ Days Past Due	$	952		$	724		$	713		$	657		$	572		$	530		$	480		$	422		$	428		$	363		$	366		$	345		$	269		$	242		$	177		$	162
As a % of EOP Loans	3.44		%	2.94		%	2.89		%	3.00		%	3.16		%	3.21		%	3.24		%	3.91		%	4.20		%	3.90		%	4.16		%	4.54		%	4.08		%	3.90		%	2.95		%	2.75		%
Loans 30-89 Days Past Due	$	1,060		$	938		$	978		$	848		$	814		$	726		$	677		$	499		$	519		$	453		$	436		$	393		$	286		$	255		$	184		$	200
As a % of EOP Loans	3.83		%	3.81		%	3.96		%	3.87		%	4.50		%	4.40		%	4.57		%	4.62		%	5.09		%	4.87		%	4.95		%	5.17		%	4.33		%	4.11		%	3.07		%	3.39		%
Consumer - North America (1)
Branches (actual)	2,250			2,218			1,841			1,837			1,835			1,816			1,794			1,729			1,720			1,592			1,582			1,564			1,501			1,493			1,483			1,471
Average Loans (in billions of dollars)	$	241.7		$	232.3		$	180.8		$	164.7		$	156.5		$	147.6		$	139.0		$	129.4		$	122.1		$	117.1		$	112.7		$	107.7		$	103.4		$	97.0		$	90.6		$	86.8
EOP Loans (in billions of dollars)	$	237.1		$	218.8		$	171.4		$	159.6		$	150.3		$	141.8		$	132.6		$	123.9		$	118.9		$	114.6		$	109.1		$	105.1		$	98.3		$	91.7		$	88.3		$	85.3
Net Interest Revenue	$	1,797		$	1,587		$	1,333		$	1,039		$	1,014		$	937		$	874		$	738		$	668		$	661		$	701		$	689		$	757		$	747		$	779		$	819
As a % of Average Loans	3.02		%	2.74		%	2.93		%	2.50		%	2.63		%	2.55		%	2.49		%	2.26		%	2.20		%	2.27		%	2.47		%	2.55		%	2.97		%	3.09		%	3.41		%	3.74		%
Net Credit Losses	$	2,867		$	2,686		$	2,325		$	2,121		$	2,006		$	1,660		$	1,440		$	1,341		$	1,582		$	1,136		$	1,703		$	916		$	835		$	724		$	556		$	713
As a % of Average Loans	4.81		%	4.64		%	5.10		%	5.11		%	5.20		%	4.51		%	4.11		%	4.11		%	5.21		%	3.90		%	6.01		%	3.38		%	3.28		%	2.99		%	2.43		%	3.26		%
Loans 90+ Days Past Due (2)	$	13,918		$	12,037		$	9,591		$	8,137		$	6,763		$	5,518		$	5,311		$	5,427		$	5,220		$	4,991		$	4,608		$	4,266		$	3,409		$	2,965		$	2,755		$	2,548
As a % of EOP Loans	6.18		%	5.82		%	6.01		%	5.44		%	4.81		%	4.18		%	4.31		%	4.73		%	4.75		%	4.71		%	4.58		%	4.41		%	3.78		%	3.53		%	3.41		%	3.27		%
Loans 30-89 Days Past Due (2)	$	9,279		$	8,535		$	7,756		$	7,085		$	5,460		$	5,381		$	5,318		$	4,649		$	4,074		$	4,161		$	4,317		$	3,835		$	3,121		$	2,896		$	2,661		$	2,524
As a % of EOP Loans	4.12		%	4.13		%	4.86		%	4.74		%	3.89		%	4.07		%	4.32		%	4.05		%	3.71		%	3.93		%	4.29		%	3.96		%	3.46		%	3.45		%	3.30		%	3.24		%

(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 27.

Reclassified to conform to the current period’s presentation.

26

CITI HOLDINGS
CONSUMER KEY INDICATORS - Page 2
(In millions of dollars, except as otherwise noted)

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013
CITI HOLDINGS KEY INDICATORS:
North America Mortgages
CMI (CitiMortgage Inc.)	$	83.8		$	80.7		$	74.6		$	69.8		$	66.0		$	62.6		$	59.6		$	56.8		$	54.8		$	52.7		$	50.8		$	48.4		$	46.3		$	42.6		$	38.1		$	36.3
CFNA (CitiFinancial - North America)	14.1			13.8			13.4			13.1			12.9			12.6			12.3			12.0			11.8			11.5			11.2			10.8			10.5			10.2			9.8			9.2
Residential First	97.9			94.5			88.0			82.9			78.9			75.2			71.9			68.8			66.6			64.2			62.0			59.2			56.8			52.8			47.9			45.5
Home Equity	53.1			51.1			49.4			46.8			45.3			43.4			42.1			40.8			39.5			37.9			36.6			34.9			33.5			32.0			30.6			29.3
Average Loans (in billions of dollars)	$	151.0		$	145.6		$	137.4		$	129.7		$	124.2		$	118.6		$	114.0		$	109.6		$	106.1		$	102.1		$	98.6		$	94.1		$	90.3		$	84.8		$	78.5		$	74.8
CMI	$	82.1		$	76.5		$	71.8		$	67.1		$	63.3		$	60.8		$	57.5		$	55.6		$	53.4		$	51.3		$	48.9		$	47.2		$	43.3		$	38.8		$	37.1		$	35.6
CFNA	14.0			13.5			13.2			13.0			12.7			12.4			12.1			11.9			11.6			11.3			11.0			10.5			10.2			9.8			9.4			9.0
Residential First	96.1			90.0			85.0			80.1			76.0			73.2			69.6			67.5			65.0			62.6			59.9			57.7			53.5			48.6			46.5			44.6
Home Equity	52.0			50.1			47.9			45.9			44.4			42.8			41.3			40.0			38.6			37.2			35.4			34.1			32.6			31.2			29.8			28.7
EOP Loans (in billions of dollars)	$	148.1		$	140.1		$	132.9		$	126.0		$	120.4		$	116.0		$	110.9		$	107.5		$	103.6		$	99.8		$	95.3		$	91.8		$	86.1		$	79.8		$	76.3		$	73.3
Third Party Mortgage Serv. Portfolio (EOP, in billions)	$	341.4		$	327.6		$	307.7		$	259.9		$	244.4		$	234.8		$	207.2		$	195.1		$	182.3		$	168.4		$	155.1		$	142.9		$	128.8		$	116.7		$	106.4		$	100.1
Net Servicing & Gain/(Loss) on Sale	$	69.5		$	180.7		$	80.8		$	172.2		$	53.4		$	(20.3	)	$	86.4		$	118.1		$	77.3		$	(124.2	)	$	81.3		$	77.6		$	78.8		$	98.7		$	25.1		$	53.5
Net Interest Revenue on Loans	$	571		$	458		$	438		$	409		$	437		$	373		$	312		$	258		$	269		$	280		$	305		$	283		$	320		$	295		$	316		$	342
As a % of Avg. Loans	1.53		%	1.26		%	1.26		%	1.25		%	1.43		%	1.26		%	1.09		%	0.93		%	1.02		%	1.10		%	1.23		%	1.20		%	1.44		%	1.40		%	1.60		%	1.81		%
CMI	$	681		$	592		$	485		$	396		$	456		$	337		$	328		$	299		$	623		$	294		$	461		$	215		$	188		$	152		$	81		$	111
CFNA	71			99			103			103			98			124			109			113			122			132			161			152			130			127			130			186
Residential First	$	752		$	691		$	588		$	499		$	554		$	461		$	437		$	412		$	745		$	426		$	622		$	367		$	318		$	279		$	211		$	297
Home Equity	951			857			795			771			713			627			542			533			561			448			863			355			312			274			212			269
Net Credit Losses (NCLs)(3)	$	1,703		$	1,548		$	1,383		$	1,270		$	1,267		$	1,088		$	979		$	945		$	1,306		$	874		$	1,485		$	722		$	630		$	553		$	423		$	566
As a % of Avg. Loans	4.57		%	4.26		%	3.99		%	3.88		%	4.14		%	3.68		%	3.41		%	3.42		%	4.95		%	3.44		%	5.99		%	3.05		%	2.83		%	2.62		%	2.14		%	3.00		%
CMI	$	8,704		$	7,066		$	6,000		$	4,637		$	3,621		$	3,027		$	2,818		$	2,996		$	2,942		$	2,855		$	2,544		$	2,340		$	1,666		$	1,391		$	1,299		$	1,204
CFNA	809			825			841			855			827			797			876			935			936			919			895			774			770			688			592			522
Residential First	9,513			7,891			6,841			5,492			4,448			3,824			3,694			3,931			3,878			3,774			3,439			3,114			2,436			2,079			1,891			1,726
Home Equity	1,391			1,365			1,340			1,308			1,180			1,034			1,011			1,004			903			863			833			822			722			678			641			582
Loans 90+ Days Past Due (1) (2)	$	10,904		$	9,256		$	8,181		$	6,800		$	5,628		$	4,858		$	4,705		$	4,935		$	4,781		$	4,637		$	4,272		$	3,936		$	3,158		$	2,757		$	2,532		$	2,308
As a % of EOP Loans	8.01		%	7.23		%	6.76		%	5.87		%	5.09		%	4.57		%	4.64		%	5.02		%	5.05		%	5.08		%	4.92		%	4.71		%	4.05		%	3.83		%	3.68		%	3.50		%
CMI	$	4,571		$	4,144		$	4,113		$	3,758		$	2,960		$	3,038		$	3,071		$	2,951		$	2,659		$	2,718		$	2,890		$	2,494		$	2,094		$	1,874		$	1,686		$	1,580
CFNA	332			392			408			425			335			406			419			436			365			416			436			417			317			338			329			304
Residential First	4,903			4,536			4,521			4,183			3,295			3,444			3,490			3,387			3,024			3,134			3,326			2,911			2,411			2,212			2,015			1,884
Home Equity	1,411			1,233			1,248			1,190			968			897			906			861			744			725			689			630			517			483			427			422
Loans 30-89 Days Past Due (1) (2)	$	6,314		$	5,769		$	5,769		$	5,373		$	4,263		$	4,341		$	4,396		$	4,248		$	3,768		$	3,859		$	4,015		$	3,541		$	2,928		$	2,695		$	2,442		$	2,306
As a % of EOP Loans	4.64		%	4.50		%	4.77		%	4.64		%	3.85		%	4.08		%	4.33		%	4.32		%	3.98		%	4.23		%	4.62		%	4.24		%	3.76		%	3.74		%	3.55		%	3.49		%
North America Personal Loans
Average Loans (in billions of dollars)	$	14.4		$	13.5		$	12.9		$	12.6		$	12.1		$	11.6		$	11.3		$	11.0		$	10.7		$	10.3		$	10.2		$	10.0		$	9.7		$	9.0		$	9.2		$	9.2
EOP Loans (in billions of dollars)	$	14.0		$	13.2		$	12.8		$	12.4		$	11.7		$	11.5		$	11.1		$	10.9		$	10.4		$	10.2		$	10.1		$	10.0		$	9.0		$	9.0		$	9.3		$	9.3
Net Interest Revenue on Loans	$	603		$	555		$	538		$	536		$	509		$	519		$	522		$	517		$	499		$	488		$	499		$	500		$	511		$	520		$	518		$	516
As a % of Avg. Loans	16.98		%	16.49		%	16.55		%	16.88		%	17.06		%	17.95		%	18.33		%	18.65		%	18.76		%	19.06		%	19.46		%	19.89		%	21.36		%	23.17		%	22.34		%	22.25		%
Net Credit Losses	$	379		$	425		$	360		$	348		$	383		$	314		$	246		$	236		$	226		$	208		$	183		$	172		$	186		$	157		$	127		$	134
As a % of Avg. Loans	10.67		%	12.63		%	11.07		%	10.96		%	12.84		%	10.86		%	8.64		%	8.51		%	8.50		%	8.12		%	7.14		%	6.84		%	7.78		%	7.00		%	5.48		%	5.78		%
Loans 90+ Days Past Due	$	512		$	428		$	475		$	536		$	440		$	349		$	351		$	354		$	320		$	266		$	283		$	290		$	218		$	181		$	199		$	221
As a % of EOP Loans	3.66		%	3.24		%	3.71		%	4.32		%	3.76		%	3.03		%	3.16		%	3.25		%	3.08		%	2.61		%	2.80		%	2.90		%	2.42		%	2.01		%	2.14		%	2.38		%
Loans 30-89 Days Past Due	$	325		$	342		$	403		$	334		$	243		$	251		$	247		$	239		$	179		$	200		$	206		$	204		$	125		$	139		$	159		$	161
As a % of EOP Loans	2.32		%	2.59		%	3.15		%	2.69		%	2.08		%	2.18		%	2.23		%	2.19		%	1.72		%	1.96		%	2.04		%	2.04		%	1.39		%	1.54		%	1.71		%	1.73		%

(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 $4.0 billion and ($7.1 billion), $3.7 billion and ($7.0 billion), $3.5 billion and ($6.8 billion), $3.4 billion and ($6.5 billion) and $3.3 billion and ($6.4 billion), as of December 31, 2012, March 31, 2013, June 30, 2013, September 30, 2013 and December 31, 2013, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) for each period were $1.2 billion and ($7.1 billion), $1.1 billion and ($7.0 billion), $1.2 billion and ($6.8 billion), $1.1 billion and ($6.5 billion) and $1.1 billion and ($6.4 billion), as of September 30, 2012, December 31, 2012, March 31, 2013, June 30, 2013, September 30, 2013 and December 31, 2013, respectively.

(2)The December 31, 2012, March 31, 2013, June 30, 2013, September 30, 2013 and December 31, 2013 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude $1.2 billion, $1.2 billion, $1.0 billion, $1.0 billion and $0.9 billion, respectively, of loans that are carried at fair value.

(3)The fourth quarter of 2013 NCLs include approximately $184 million related to: 1) a change in charge-off policy for mortgages originated in CFNA to more closely align to policies used in the CMI business ($91 million); 2) acceleration of accounting losses associated with modified home equity loans determined to be collateral dependent ($64 million); and 3) change in estimate of NCLs related to collateral dependent loans to borrowers that have gone through Chapter 7 of the U.S. bankruptcy code ($29 million, of which $15 million related to CMI residential first mortgages and $14 million related to home equity loans).  These incremental $184 million of NCLs were fully offset by related loan loss reserve releases during the quarter.

Reclassified to conform to the current period’s presentation.

27

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

	Average Volumes						Interest						% Average Rate (4)
	Fourth		Third		Fourth		Fourth		Third		Fourth		Fourth		Third		Fourth
	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	$	149,598	$	151,533	$	173,378	$	273	$	255	$	263	0.73	%	0.67	%	0.60	%
Fed Funds Sold and Resale Agreements (6)	268,023		264,368		257,696		748		617		559		1.11	%	0.93	%	0.86	%
Trading Account Assets (7)	256,907		246,255		239,213		1,834		1,525		1,517		2.84	%	2.46	%	2.52	%
Investments	302,792		301,225		308,264		1,960		1,778		1,831		2.58	%	2.34	%	2.36	%
Total Loans (net of Unearned Income) (8)	646,369		645,454		659,346		11,733		11,310		11,554		7.22	%	6.95	%	6.95	%
Other Interest-Earning Assets	39,124		33,740		30,357		166		103		110		1.69	%	1.21	%	1.44	%
Total Average Interest-Earning Assets	$	1,662,813	$	1,642,575	$	1,668,254	$	16,714	$	15,588	$	15,834	4.00	%	3.77	%	3.77	%
Liabilities:
Deposits (excluding deposit insurance and FDIC Assessment)	$	732,222	$	737,415	$	763,475	$	1,527	$	1,223	$	1,210	0.83	%	0.66	%	0.63	%
Deposit Insurance and FDIC Assessment	—		—		—		303		267		277
Total Deposits	732,222		737,415		763,475		1,830		1,490		1,487		0.99	%	0.80	%	0.77	%
Fed Funds Purchased and Repurchase Agreements (6)	229,608		224,950		216,084		656		561		539		1.14	%	0.99	%	0.99	%
Trading Account Liabilities (7)	67,623		71,291		66,001		39		46		38		0.23	%	0.26	%	0.23	%
Short-Term Borrowings	104,969		116,175		115,246		163		150		136		0.62	%	0.51	%	0.47	%
Long-Term Debt (9)	235,024		197,438		198,976		1,977		1,705		1,537		3.35	%	3.43	%	3.06	%
Total Average Interest-Bearing Liabilities	$	1,369,446	$	1,347,269	$	1,359,782	$	4,665	$	3,952	$	3,737	1.36	%	1.16	%	1.09	%
Total Average Interest-Bearing Liabilities (excluding deposit insurance and FDIC Assessment)	$	1,369,446	$	1,347,269	$	1,359,782	$	4,362	$	3,685	$	3,460	1.27	%	1.09	%	1.01	%
Net Interest Revenue as a % of Average Interest-Earning Assets (NIM)							$	12,049	$	11,636	$	12,097	2.88	%	2.81	%	2.88	%
NIR as a % of Average Interest-Earning Assets (NIM) (excluding deposit insurance and FDIC Assessment)							$	12,352	$	11,903	$	12,374	2.96	%	2.87	%	2.94	%
4Q13 Increase (Decrease) From													—	bps	7	bps
4Q13 Increase (Decrease) (excluding deposit insurance and FDIC Assessment) From													(2	)bps	7	bps

(1)Interest Revenue includes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $133 million for the fourth quarter of 2012, $125 million for the third quarter of 2013 and $127 million for the fourth 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.

28

DEPOSITS (In billions of dollars)  

	1Q			2Q		3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q		3Q			4Q
	2010			2010		2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013		2013			2013
Citicorp Deposits by Business
Global Consumer Banking
North America	$	147.1		$	145.4	$	144.7		$	145.5		$	145.8		$	144.4		$	147.8		$	149.2		$	153.5		$	153.2		$	156.8		$	165.2		$	166.8		$	165.9	$	168.6		$	170.2
EMEA	14.5			13.4		13.7			12.6			12.7			12.8			12.1			12.1			12.8			12.6			12.9			13.2			13.1			12.9		12.5			13.1
Latin America	40.4			40.8		41.5			45.8			48.5			48.4			43.2			44.3			45.4			45.2			46.8			48.0			48.3			45.8		46.6			47.4
Asia	98.3			97.1		105.4			107.4			109.7			112.7			109.3			109.7			110.7			112.5			113.2			110.0			106.8			101.2		101.6			101.4
Total	$	300.3		$	296.7	$	305.3		$	311.3		$	316.7		$	318.3		$	312.4		$	315.3		$	322.4		$	323.5		$	329.7		$	336.4		$	335.0		$	325.8	$	329.3		$	332.1
ICG
North America	$	108.8		$	116.8	$	114.5		$	118.8		$	122.8		$	128.8		$	133.7		$	150.6		$	164.2		$	159.6		$	155.2		$	149.2		$	152.2		$	157.0	$	173.2		$	183.0
EMEA	147.7			141.3		153.4			143.7			159.4			150.3			145.6			149.3			156.3			159.4			174.1			170.6			171.7			173.0		181.1			185.1
Latin America	42.6			39.0		45.8			46.8			47.8			50.1			49.6			51.0			51.6			50.2			60.3			55.8			57.8			57.3		62.8			59.9
Asia	136.2			130.4		143.9			142.6			140.7			143.8			138.0			134.2			145.0			152.3			156.0			148.5			142.6			145.4		149.2			146.1
Total	$	435.3		$	427.5	$	457.6		$	451.9		$	470.7		$	473.0		$	466.9		$	485.1		$	517.1		$	521.5		$	545.6		$	524.1		$	524.3		$	532.7	$	566.3		$	574.1
Corporate/Other	$	12.0		$	12.5	$	9.4		$	5.6		$	4.6		$	4.7		$	4.0		$	3.9		$	3.4		$	6.6		$	2.5		$	2.1		$	8.8		$	15.2	$	18.0		$	26.1
Total Citicorp	$	747.6		$	736.7	$	772.3		$	768.8		$	792.0		$	796.0		$	783.3		$	804.3		$	842.9		$	851.6		$	877.8		$	862.6		$	868.1		$	873.7	$	913.6		$	932.3
Total Citi Holdings	$	80.3		$	77.3	$	77.8		$	76.2		$	73.9		$	70.3		$	68.0		$	61.6		$	63.1		$	62.7		$	66.8		$	68.0		$	65.7		$	64.7	$	41.8		$	36.0
Total Citigroup Deposits - EOP	$	827.9		$	814.0	$	850.1		$	845.0		$	865.9		$	866.3		$	851.3		$	865.9		$	906.0		$	914.3		$	944.6		$	930.6		$	933.8		$	938.4	$	955.4		$	968.3
Total Citigroup Deposits - Average	$	825.2		$	819.3	$	837.0		$	848.9		$	853.0		$	868.1		$	860.5		$	857.0		$	869.1		$	893.4		$	921.2		$	928.9		$	920.4		$	924.5	$	922.1		$	956.4
FX Translation Impact:
Total Citigroup EOP Deposits - as Reported	$	827.9		$	814.0	$	850.1		$	845.0		$	865.9		$	866.3		$	851.3		$	865.9		$	906.0		$	914.3		$	944.6		$	930.6		$	933.8		$	938.4	$	955.4		$	968.3
Impact of FX Translation (1)	(5.4		)	7.7		(15.0		)	(16.3		)	(25.8		)	(31.7		)	(8.2		)	(3.6		)	(14.3		)	(3.6		)	(11.3		)	(10.9		)	(4.8		)	3.9		(1.2		)	—
Total Citigroup EOP Deposits - Ex-FX (2)	$	822.5		$	821.7	$	835.1		$	828.7		$	840.1		$	834.6		$	843.1		$	862.3		$	891.7		$	910.7		$	933.3		$	919.7		$	929.0		$	942.3	$	954.2		$	968.3

(1)	Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the fourth 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.

29

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

	1Q			2Q		3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q		3Q		4Q
	2010			2010		2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013		2013		2013
Citicorp:
Global Consumer Banking
North America
Credit Cards	$	121.9		$	120.2	$	118.7		$	121.0		$	111.9		$	113.3		$	113.0		$	117.1		$	109.4		$	109.3		$	108.8		$	111.5		$	104.6		$	105.3	$	111.8	$	116.8
Retail Banking	31.5			30.2		29.4			30.7			33.0			34.5			36.5			38.9			40.6			40.9			41.5			42.7			43.1			41.7		43.2		44.1
Total	$	153.4		$	150.4	$	148.1		$	151.7		$	144.9		$	147.8		$	149.5		$	156.0		$	150.0		$	150.2		$	150.3		$	154.2		$	147.7		$	147.0	$	155.0	$	160.9
EMEA
Credit Cards	$	2.9		$	2.6	$	2.9		$	2.8		$	2.9		$	3.0		$	2.7		$	2.7		$	2.9		$	2.8		$	2.9		$	2.9		$	2.8		$	2.8	$	2.4	$	2.4
Retail Banking	4.6			4.0		4.4			4.2			4.5			4.7			4.3			4.2			4.5			4.6			4.9			5.1			5.2			5.3		5.5		5.6
Total	$	7.5		$	6.6	$	7.3		$	7.0		$	7.4		$	7.7		$	7.0		$	6.9		$	7.4		$	7.4		$	7.8		$	8.0		$	8.0		$	8.1	$	7.9	$	8.0
Latin America
Credit Cards	$	11.9		$	12.0	$	12.6		$	13.4		$	13.5		$	14.2		$	12.9		$	13.7		$	14.3		$	13.7		$	14.2		$	14.8		$	14.9		$	11.5	$	11.8	$	12.1
Retail Banking	17.8			18.0		19.1			19.8			21.6			23.2			21.6			23.6			25.8			25.6			27.3			28.0			30.0			29.4		29.0		30.3
Total	$	29.7		$	30.0	$	31.7		$	33.2		$	35.1		$	37.4		$	34.5		$	37.3		$	40.1		$	39.3		$	41.5		$	42.8		$	44.9		$	40.9	$	40.8	$	42.4
Asia
Credit Cards	$	17.1		$	17.0	$	18.3		$	19.7		$	19.2		$	20.0		$	18.9		$	19.9		$	19.6		$	19.6		$	20.0		$	20.4		$	19.4		$	18.9	$	18.7	$	19.1
Retail Banking	54.9			54.9		58.9			61.4			64.4			67.1			65.5			67.3			68.8			67.6			69.3			69.7			69.4			68.5		70.3		71.6
Total	$	72.0		$	71.9	$	77.2		$	81.1		$	83.6		$	87.1		$	84.4		$	87.2		$	88.4		$	87.2		$	89.3		$	90.1		$	88.8		$	87.4	$	89.0	$	90.7
Total Consumer Loans
Credit Cards	$	153.8		$	151.8	$	152.5		$	156.9		$	147.5		$	150.5		$	147.5		$	153.4		$	146.2		$	145.4		$	145.9		$	149.6		$	141.7		$	138.5	$	144.7	$	150.4
Retail Banking	108.8			107.1		111.8			116.1			123.5			129.5			127.9			134.0			139.7			138.7			143.0			145.5			147.7			144.9		148.0		151.6
Total Consumer	$	262.6		$	258.9	$	264.3		$	273.0		$	271.0		$	280.0		$	275.4		$	287.4		$	285.9		$	284.1		$	288.9		$	295.1		$	289.4		$	283.4	$	292.7	$	302.0
Total Corporate Loans
North America	$	67.2		$	67.1	$	66.4		$	65.8		$	66.9		$	68.9		$	69.6		$	77.4		$	78.2		$	86.8		$	91.6		$	90.5		$	92.0		$	99.1	$	103.0	$	105.8
EMEA	37.1			37.2		41.7			40.7			44.7			49.3			48.5			50.1			51.8			56.0			54.8			54.8			55.9			56.6		58.0		58.5
Latin America	23.4			23.1		24.3			25.8			27.9			30.1			32.2			33.3			34.9			35.5			37.2			38.3			38.4			37.6		39.4		39.8
Asia	33.2			35.8		38.8			44.9			46.6			51.2			57.0			58.4			63.3			64.6			64.3			61.0			63.0			66.9		68.3		66.6
Total Corporate Loans	$	160.9		$	163.2	$	171.2		$	177.2		$	186.1		$	199.5		$	207.3		$	219.2		$	228.2		$	242.9		$	247.9		$	244.6		$	249.3		$	260.2	$	268.7	$	270.7
Total Citicorp	$	423.5		$	422.1	$	435.5		$	450.2		$	457.1		$	479.5		$	482.7		$	506.6		$	514.1		$	527.0		$	536.8		$	539.7		$	538.7		$	543.6	$	561.4	$	572.7
FX Translation Impact:
Total Citicorp EOP Loans - as Reported	$	423.5		$	422.1	$	435.5		$	450.2		$	457.1		$	479.5		$	482.7		$	506.6		$	514.1		$	527.0		$	536.8		$	539.7		$	538.7		$	543.6	$	561.4	$	572.7
Impact of FX Translation (1)	(5.4		)	0.4		(7.8		)	(10.2		)	(14.2		)	(17.9		)	(4.1		)	(3.7		)	(9.1		)	(3.6		)	(7.1		)	(7.0		)	(5.4		)	1.8		—		—
Total Citicorp EOP Loans - Ex-FX (2)	$	418.1		$	422.5	$	427.7		$	440.0		$	442.9		$	461.6		$	478.6		$	502.9		$	505.0		$	523.4		$	529.7		$	532.7		$	533.3		$	545.4	$	561.4	$	572.7

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 fourth 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.

30

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

	1Q			2Q		3Q		4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q		3Q			4Q
	2010			2010		2010		2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013		2013			2013
Citi Holdings:
Consumer - North America
Mortgages	148.1			140.1		132.9		126.0			120.4			116.0			110.9			107.5			103.6			99.8			95.3			91.8			86.1			79.8		76.3			73.3
Personal Loans	14.0			13.2		12.8		12.4			11.7			11.5			11.1			10.9			10.4			10.2			10.1			10.0			9.0			9.0		9.3			9.3
Other	75.0			65.5		25.7		21.2			18.2			14.3			10.6			5.5			4.9			4.6			3.7			3.3			3.2			2.9		2.7			2.7
Total	$	237.1		$	218.8	$	171.4	$	159.6		$	150.3		$	141.8		$	132.6		$	123.9		$	118.9		$	114.6		$	109.1		$	105.1		$	98.3		$	91.7	$	88.3		$	85.3
Consumer - International
Credit Cards	$	6.8		$	6.2	$	6.5	$	6.2		$	3.5		$	3.6		$	3.3		$	2.7		$	2.7		$	2.6		$	2.6		$	2.5		$	2.3		$	2.4	$	2.4		$	2.5
REL, Personal & Other	20.9			18.4		18.2		15.7			14.6			12.9			11.5			8.1			7.5			6.7			6.2			5.1			4.3			3.8		3.6			3.4
Total	$	27.7		$	24.6	$	24.7	$	21.9		$	18.1		$	16.5		$	14.8		$	10.8		$	10.2		$	9.3		$	8.8		$	7.6		$	6.6		$	6.2	$	6.0		$	5.9
Citi Holdings - Other	33.5			26.7		22.7		17.1			11.6			9.7			7.1			5.9			4.8			4.1			3.7			3.1			2.8			2.2		1.9			1.6
Total Citi Holdings	$	298.3		$	270.1	$	218.8	$	198.6		$	180.0		$	168.0		$	154.5		$	140.6		$	133.9		$	128.0		$	121.6		$	115.8		$	107.7		$	100.1	$	96.2		$	92.8
Total Citigroup	$	721.8		$	692.2	$	654.3	$	648.8		$	637.1		$	647.5		$	637.2		$	647.2		$	648.0		$	655.0		$	658.4		$	655.5		$	646.4		$	643.7	$	657.6		$	665.5
Consumer Loans	$	529.0		$	502.9	$	460.6	$	455.2		$	438.4		$	439.9		$	424.2		$	423.3		$	416.1		$	409.1		$	407.7		$	408.7		$	395.2		$	382.2	$	387.9		$	393.8
Corporate Loans	192.8			189.2		193.7		193.6			198.7			207.6			213.0			223.9			231.9			245.9			250.7			246.8			251.2			261.5		269.7			271.6
Total Citigroup	$	721.8		$	692.1	$	654.3	$	648.8		$	637.1		$	647.5		$	637.2		$	647.2		$	648.0		$	655.0		$	658.4		$	655.5		$	646.4		$	643.7	$	657.6		$	665.4
FX Translation Impact:
Total Citigroup EOP Loans - as Reported	$	721.8		$	692.1	$	654.3	$	648.8		$	637.1		$	647.5		$	637.2		$	647.2		$	648.0		$	655.0		$	658.4		$	655.5		$	646.4		$	643.7	$	657.6		$	665.4
Impact of FX Translation (1)	(4.7		)	2.7		22.0		(10.4		)	(15.0		)	(18.8		)	(3.7		)	(2.8		)	(8.5		)	(2.7		)	(8.5		)	(8.2		)	(6.2		)	0.8		(1.4		)	—
Total Citigroup EOP Loans - Ex-FX (2)	$	717.1		$	694.8	$	676.3	$	638.4		$	622.1		$	628.7		$	633.5		$	644.4		$	639.5		$	652.3		$	649.9		$	647.3		$	640.2		$	644.5	$	656.2		$	665.4

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 fourth 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.

31

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)
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013
Citicorp (2)
Total	$	5,856		$	5,292		$	4,883		$	4,454		$	4,086		$	3,705		$	3,416		$	3,406		$	3,342		$	3,090		$	3,024		$	3,081		$	2,952		$	2,644		$	2,699		$	2,973
Ratio	2.24		%	2.05		%	1.86		%	1.64		%	1.52		%	1.33		%	1.25		%	1.19		%	1.17		%	1.09		%	1.05		%	1.05		%	1.03		%	0.94		%	0.93		%	0.99		%
Retail Bank (2)
Total	$	817		$	815		$	843		$	761		$	801		$	812		$	794		$	769		$	843		$	869		$	882		$	879		$	874		$	849		$	872		$	952
Ratio	0.75		%	0.76		%	0.76		%	0.66		%	0.65		%	0.63		%	0.63		%	0.58		%	0.61		%	0.63		%	0.62		%	0.61		%	0.60		%	0.59		%	0.59		%	0.63		%
North America (2)	$	139		$	190		$	221		$	228		$	241		$	211		$	232		$	235		$	260		$	294		$	291		$	280		$	282		$	285		$	277		$	257
Ratio	0.44		%	0.63		%	0.77		%	0.76		%	0.75		%	0.63		%	0.66		%	0.63		%	0.66		%	0.74		%	0.72		%	0.68		%	0.68		%	0.71		%	0.66		%	0.60		%
EMEA	$	108		$	109		$	106		$	84		$	77		$	76		$	65		$	59		$	62		$	49		$	50		$	48		$	43		$	41		$	38		$	34
Ratio	2.35		%	2.73		%	2.41		%	2.00		%	1.71		%	1.62		%	1.51		%	1.40		%	1.38		%	1.07		%	1.02		%	0.94		%	0.83		%	0.77		%	0.69		%	0.61		%
Latin America	$	324		$	308		$	290		$	224		$	249		$	259		$	273		$	253		$	276		$	285		$	322		$	323		$	320		$	318		$	347		$	470
Ratio	1.82		%	1.71		%	1.52		%	1.13		%	1.15		%	1.12		%	1.26		%	1.07		%	1.07		%	1.11		%	1.18		%	1.15		%	1.07		%	1.08		%	1.20		%	1.55		%
Asia	$	246		$	208		$	226		$	225		$	234		$	266		$	224		$	222		$	245		$	241		$	219		$	228		$	229		$	205		$	210		$	191
Ratio	0.45		%	0.38		%	0.38		%	0.37		%	0.36		%	0.40		%	0.34		%	0.33		%	0.36		%	0.36		%	0.32		%	0.33		%	0.33		%	0.30		%	0.30		%	0.27		%
Cards
Total	$	5,039		$	4,477		$	4,040		$	3,693		$	3,285		$	2,893		$	2,622		$	2,637		$	2,499		$	2,221		$	2,142		$	2,202		$	2,078		$	1,795		$	1,827		$	2,021
Ratio	3.28		%	2.95		%	2.65		%	2.35		%	2.23		%	1.92		%	1.78		%	1.72		%	1.71		%	1.53		%	1.47		%	1.47		%	1.47		%	1.30		%	1.26		%	1.34		%
North America - Citi-Branded	$	2,304		$	2,130		$	1,807		$	1,597		$	1,435		$	1,214		$	1,063		$	1,016		$	982		$	830		$	760		$	786		$	732		$	663		$	628		$	681
Ratio	2.92		%	2.71		%	2.32		%	2.03		%	1.93		%	1.62		%	1.42		%	1.32		%	1.35		%	1.14		%	1.05		%	1.08		%	1.06		%	0.96		%	0.91		%	0.97		%
North America - Retail Services	$	1,883		$	1,549		$	1,450		$	1,352		$	1,110		$	913		$	902		$	951		$	845		$	721		$	716		$	721		$	651		$	556		$	650		$	771
Ratio	4.39		%	3.71		%	3.55		%	3.20		%	2.97		%	2.38		%	2.38		%	2.38		%	2.30		%	1.97		%	1.96		%	1.87		%	1.84		%	1.54		%	1.51		%	1.67		%
EMEA	$	78		$	72		$	69		$	58		$	60		$	54		$	47		$	44		$	43		$	43		$	45		$	48		$	45		$	44		$	34		$	32
Ratio	2.69		%	2.77		%	2.38		%	2.07		%	2.07		%	1.80		%	1.74		%	1.63		%	1.48		%	1.54		%	1.55		%	1.66		%	1.61		%	1.57		%	1.42		%	1.33		%
Latin America	$	509		$	481		$	472		$	446		$	445		$	462		$	396		$	412		$	405		$	405		$	401		$	413		$	418		$	323		$	326		$	349
Ratio	4.28		%	4.01		%	3.75		%	3.33		%	3.30		%	3.25		%	3.07		%	3.01		%	2.83		%	2.96		%	2.82		%	2.79		%	2.81		%	2.81		%	2.76		%	2.88		%
Asia	$	265		$	245		$	242		$	240		$	235		$	250		$	214		$	214		$	224		$	222		$	220		$	234		$	232		$	209		$	189		$	188
Ratio	1.55		%	1.44		%	1.32		%	1.22		%	1.22		%	1.25		%	1.13		%	1.08		%	1.14		%	1.13		%	1.10		%	1.15		%	1.20		%	1.11		%	1.01		%	0.98		%
Citi Holdings - Consumer (2) (3)	$	14,870		$	12,761		$	10,304		$	8,794		$	7,335		$	6,048		$	5,791		$	5,849		$	5,648		$	5,354		$	4,974		$	4,611		$	3,678		$	3,207		$	2,932		$	2,710
Ratio	5.88		%	5.51		%	5.59		%	5.13		%	4.62		%	4.07		%	4.20		%	4.66		%	4.70		%	4.64		%	4.54		%	4.42		%	3.80		%	3.56		%	3.38		%	3.23		%
International	$	952		$	724		$	713		$	657		$	572		$	530		$	480		$	422		$	428		$	363		$	366		$	345		$	269		$	242		$	177		$	162
Ratio	3.44		%	2.94		%	2.89		%	3.00		%	3.16		%	3.21		%	3.24		%	3.91		%	4.20		%	3.90		%	4.16		%	4.54		%	4.08		%	3.90		%	2.95		%	2.75		%
North America (2) (3)	$	13,918		$	12,037		$	9,591		$	8,137		$	6,763		$	5,518		$	5,311		$	5,427		$	5,220		$	4,991		$	4,608		$	4,266		$	3,409		$	2,965		$	2,755		$	2,548
Ratio	6.18		%	5.82		%	6.01		%	5.44		%	4.81		%	4.18		%	4.31		%	4.73		%	4.75		%	4.71		%	4.58		%	4.41		%	3.78		%	3.53		%	3.41		%	3.27		%
Other
Total Citigroup (2) (3)	$	20,726		$	18,053		$	15,187		$	13,248		$	11,421		$	9,753		$	9,207		$	9,255		$	8,990		$	8,444		$	7,998		$	7,692		$	6,630		$	5,851		$	5,631		$	5,683
Ratio	4.03		%	3.69		%	3.40		%	3.00		%	2.67		%	2.28		%	2.23		%	2.25		%	2.22		%	2.12		%	2.01		%	1.93		%	1.72		%	1.57		%	1.49		%	1.48		%

(1)	The ratio of 90+ Days Past Due is calculated based on end-of-period loans, net of unearned income.
(2)	The 90+ Days Past Due and related ratios for North America Consumer Banking and Citi Holdings North America Mortgages excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies since the potential loss predominantly resides with the U.S. agencies. See North America Consumer Banking on page 10 and Citi Holdings North America Mortgages on page 27.
(3)	The December 31, 2012, March 31, 2013, June 30, 2013, September 30, 2013 and December 31, 2013 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude $1.2 billion, $1.2 billion, $1.0 billion, $1.0 billion and $0.9 billion, respectively, of loans that are carried at fair value.

Reclassified to conform to the current period’s presentation

32

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)
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013
Citicorp (2)
Total	$	6,251		$	5,593		$	5,437		$	5,014		$	4,645		$	4,293		$	4,049		$	4,075		$	3,726		$	3,449		$	3,539		$	3,509		$	3,389		$	2,967		$	3,215		$	3,220
Ratio	2.38		%	2.16		%	2.06		%	1.84		%	1.72		%	1.54		%	1.48		%	1.42		%	1.31		%	1.22		%	1.23		%	1.19		%	1.18		%	1.05		%	1.10		%	1.07		%
Retail Bank (2)
Total	$	1,311		$	1,201		$	1,277		$	1,148		$	1,143		$	1,088		$	977		$	1,040		$	1,032		$	1,049		$	1,154		$	1,112		$	1,191		$	1,085		$	1,109		$	1,049
Ratio	1.20		%	1.12		%	1.15		%	1.00		%	0.93		%	0.85		%	0.77		%	0.78		%	0.75		%	0.76		%	0.81		%	0.77		%	0.81		%	0.76		%	0.76		%	0.70		%
North America (2)	$	238		$	235		$	243		$	212		$	185		$	209		$	218		$	213		$	183		$	215		$	230		$	223		$	226		$	217		$	209		$	205
Ratio	0.76		%	0.78		%	0.85		%	0.71		%	0.58		%	0.62		%	0.62		%	0.57		%	0.47		%	0.54		%	0.57		%	0.54		%	0.54		%	0.54		%	0.50		%	0.48		%
EMEA	$	203		$	158		$	156		$	136		$	143		$	132		$	107		$	94		$	92		$	78		$	79		$	77		$	70		$	68		$	57		$	51
Ratio	4.41		%	3.95		%	3.55		%	3.24		%	3.18		%	2.81		%	2.49		%	2.24		%	2.04		%	1.70		%	1.61		%	1.51		%	1.35		%	1.28		%	1.04		%	0.91		%
Latin America	$	394		$	335		$	402		$	267		$	324		$	301		$	267		$	289		$	323		$	316		$	412		$	353		$	427		$	368		$	445		$	395
Ratio	2.21		%	1.86		%	2.10		%	1.35		%	1.50		%	1.30		%	1.24		%	1.22		%	1.25		%	1.23		%	1.51		%	1.26		%	1.42		%	1.25		%	1.53		%	1.30		%
Asia	$	476		$	473		$	476		$	533		$	491		$	446		$	385		$	444		$	434		$	440		$	433		$	459		$	468		$	432		$	398		$	398
Ratio	0.87		%	0.86		%	0.81		%	0.87		%	0.76		%	0.66		%	0.59		%	0.66		%	0.63		%	0.65		%	0.62		%	0.66		%	0.67		%	0.63		%	0.57		%	0.56		%
Cards
Total	$	4,940		$	4,392		$	4,160		$	3,866		$	3,502		$	3,205		$	3,072		$	3,035		$	2,694		$	2,400		$	2,385		$	2,397		$	2,198		$	1,882		$	2,106		$	2,171
Ratio	3.21		%	2.89		%	2.73		%	2.46		%	2.37		%	2.13		%	2.08		%	1.98		%	1.84		%	1.65		%	1.63		%	1.60		%	1.55		%	1.36		%	1.46		%	1.44		%
North America - Citi-Branded	$	2,144		$	1,828		$	1,687		$	1,540		$	1,335		$	1,142		$	1,106		$	1,078		$	887		$	744		$	744		$	771		$	679		$	588		$	650		$	661
Ratio	2.71		%	2.33		%	2.17		%	1.95		%	1.79		%	1.52		%	1.47		%	1.40		%	1.22		%	1.02		%	1.03		%	1.06		%	0.98		%	0.85		%	0.94		%	0.94		%
North America - Retail Services	$	1,844		$	1,665		$	1,617		$	1,458		$	1,277		$	1,171		$	1,205		$	1,178		$	995		$	852		$	823		$	789		$	685		$	615		$	799		$	830
Ratio	4.30		%	3.99		%	3.96		%	3.45		%	3.41		%	3.06		%	3.18		%	2.95		%	2.71		%	2.33		%	2.25		%	2.04		%	1.94		%	1.71		%	1.86		%	1.79		%
EMEA	$	114		$	90		$	86		$	72		$	78		$	72		$	63		$	59		$	65		$	61		$	68		$	63		$	60		$	57		$	44		$	42
Ratio	3.93		%	3.46		%	2.97		%	2.57		%	2.69		%	2.40		%	2.33		%	2.19		%	2.24		%	2.18		%	2.34		%	2.17		%	2.14		%	2.04		%	1.83		%	1.75		%
Latin America	$	478		$	488		$	442		$	456		$	454		$	469		$	398		$	399		$	426		$	428		$	416		$	432		$	449		$	335		$	346		$	364
Ratio	4.02		%	4.07		%	3.51		%	3.40		%	3.36		%	3.30		%	3.09		%	2.91		%	2.98		%	3.12		%	2.93		%	2.92		%	3.01		%	2.91		%	2.93		%	3.01		%
Asia	$	360		$	321		$	328		$	340		$	358		$	351		$	300		$	321		$	321		$	315		$	334		$	342		$	325		$	287		$	267		$	274
Ratio	2.11		%	1.89		%	1.79		%	1.73		%	1.86		%	1.76		%	1.59		%	1.61		%	1.64		%	1.61		%	1.67		%	1.68		%	1.68		%	1.52		%	1.43		%	1.43		%
Citi Holdings - Consumer (2) (3)	$	10,339		$	9,473		$	8,734		$	7,933		$	6,274		$	6,107		$	5,995		$	5,148		$	4,593		$	4,614		$	4,753		$	4,228		$	3,407		$	3,151		$	2,845		$	2,724
Ratio	4.09		%	4.09		%	4.74		%	4.63		%	3.96		%	4.11		%	4.34		%	4.10		%	3.82		%	4.00		%	4.34		%	4.05		%	3.55		%	3.53		%	3.31		%	3.29		%
International	$	1,060		$	938		$	978		$	848		$	814		$	726		$	677		$	499		$	519		$	453		$	436		$	393		$	286		$	255		$	184		$	200
Ratio	3.83		%	3.81		%	3.96		%	3.87		%	4.50		%	4.40		%	4.57		%	4.62		%	5.09		%	4.87		%	4.95		%	5.17		%	4.33		%	4.11		%	3.07		%	3.39		%
North America (2) (3)	$	9,279		$	8,535		$	7,756		$	7,085		$	5,460		$	5,381		$	5,318		$	4,649		$	4,074		$	4,161		$	4,317		$	3,835		$	3,121		$	2,896		$	2,661		$	2,524
Ratio	4.12		%	4.13		%	4.86		%	4.74		%	3.89		%	4.07		%	4.32		%	4.05		%	3.71		%	3.93		%	4.29		%	3.96		%	3.46		%	3.45		%	3.30		%	3.24		%
Other
Total Citigroup (2) (3)	$	16,590		$	15,066		$	14,171		$	12,947		$	10,919		$	10,400		$	10,044		$	9,223		$	8,319		$	8,063		$	8,292		$	7,737		$	6,796		$	6,118		$	6,060		$	5,944
Ratio	3.22		%	3.07		%	3.17		%	2.93		%	2.55		%	2.43		%	2.44		%	2.24		%	2.06		%	2.03		%	2.09		%	1.94		%	1.77		%	1.65		%	1.61		%	1.55		%

(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 Citi Holdings North America Mortgages on page 27.
(3)	The December 31, 2012, March 31, 2013, June 30, 2013, September 30, 2013 and December 31, 2013 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude $1.2 billion, $1.2 billion, $1.0 billion, $1.0 billion and $0.9 billion, respectively, of loans that are carried at fair value.

Reclassified to conform to the current period’s presentation

33

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

																																																	Full			Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013			2010			2011			2012			2013
Total Citigroup
Allowance for Loan Losses at Beginning of Period (1)	$	36,033		$	48,746		$	46,197		$	43,674		$	40,655		$	36,568		$	34,362		$	32,052		$	30,115		$	29,020		$	27,611		$	25,916		$	25,455		$	23,727		$	21,580		$	20,605		$	36,033		$	40,655		$	30,115		$	25,455
Gross Credit (Losses) (2)	(9,116		)	(8,928		)	(8,413		)	(7,692		)	(7,032		)	(5,779		)	(5,093		)	(4,795		)	(4,644		)	(4,205		)	(4,516		)	(3,640		)	(3,444		)	(3,257		)	(2,974		)	(3,094		)	(34,149		)	(22,699		)	(17,005		)	(12,769		)
Gross Recoveries	794			1,020			813			899			837			730			673			772			786			714			619			655			566			649			544			547			3,526			3,012			2,774			2,306
Net Credit (Losses) / Recoveries (NCLs)	(8,322		)	(7,908		)	(7,600		)	(6,793		)	(6,195		)	(5,049		)	(4,420		)	(4,023		)	(3,858		)	(3,491		)	(3,897		)	(2,985		)	(2,878		)	(2,608		)	(2,430		)	(2,547		)	(30,623		)	(19,687		)	(14,231		)	(10,463		)
NCLs (2) (3)	8,322			7,908			7,600			6,793			6,195			5,049			4,420			4,023			3,858			3,491			3,897			2,985			2,878			2,608			2,430			2,547			30,623			19,687			14,231			10,463
Net Reserve Builds / (Releases) (2) (4)	(890		)	(1,747		)	(1,449		)	(2,431		)	(3,500		)	(1,965		)	(1,606		)	(1,454		)	(214		)	(641		)	(860		)	(193		)	(306		)	(642		)	(767		)	(246		)	(6,517		)	(8,525		)	(1,908		)	(1,961		)
Net Specific Reserve Builds / (Releases) (2) (4)	865			308			(522		)	204			118			(15		)	122			(51		)	(935		)	(375		)	(601		)	46			(358		)	(139		)	(11		)	(390		)	855			174			(1,865		)	(898		)
Provision for Loan Losses	8,297			6,469			5,629			4,566			2,813			3,069			2,936			2,518			2,709			2,475			2,436			2,838			2,214			1,827			1,652			1,911			24,961			11,336			10,458			7,604
Other (5) (6) (7) (8) (9) (10)	12,738			(1,110		)	(552		)	(792		)	(705		)	(226		)	(826		)	(432		)	54			(393		)	(234		)	(314		)	(1,064		)	(1,366		)	(197		)	(321		)	10,284			(2,189		)	(887		)	(2,948		)
Allowance for Loan Losses at End of Period (1) (a)	$	48,746		$	46,197		$	43,674		$	40,655		$	36,568		$	34,362		$	32,052		$	30,115		$	29,020		$	27,611		$	25,916		$	25,455		$	23,727		$	21,580		$	20,605		$	19,648		$	40,655		$	30,115		$	25,455		$	19,648
Allowance for Unfunded Lending Commitments (11) (a)	$	1,122		$	1,054		$	1,102		$	1,066		$	1,105		$	1,097		$	1,139		$	1,136		$	1,097		$	1,104		$	1,063		$	1,119		$	1,132		$	1,133		$	1,262		$	1,229		$	1,066		$	1,136		$	1,119		$	1,229
Provision for Unfunded Lending Commitments	$	(35	)	$	(71	)	$	26		$	(37	)	$	25		$	(13	)	$	43		$	(4	)	$	(38	)	$	7		$	(41	)	$	56		$	14		$	(3	)	$	103		$	(34	)	$	(117	)	$	51		$	(16	)	$	80
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	49,868		$	47,251		$	44,776		$	41,721		$	37,673		$	35,459		$	33,191		$	31,251		$	30,117		$	28,715		$	26,979		$	26,574		$	24,859		$	22,713		$	21,867		$	20,877		$	41,721		$	31,251		$	26,574		$	20,877
Total Allowance for Loan Losses as a Percentage of Total Loans (12)	6.80		%	6.72		%	6.73		%	6.31		%	5.78		%	5.35		%	5.07		%	4.69		%	4.51		%	4.25		%	3.97		%	3.92		%	3.70		%	3.38		%	3.16		%	2.97		%
Allowance for Loan Losses at End of Period (1):
Citicorp	$	24,909		$	23,805		$	23,157		$	22,366		$	20,563		$	19,225		$	17,613		$	16,699		$	16,306		$	15,387		$	14,828		$	14,623		$	14,330		$	13,425		$	13,299		$	13,174
Citi Holdings	23,837			22,392			20,517			18,289			16,005			15,137			14,439			13,416			12,714			12,224			11,088			10,832			9,397			8,155			7,306			6,474
Total Citigroup	$	48,746		$	46,197		$	43,674		$	40,655		$	36,568		$	34,362		$	32,052		$	30,115		$	29,020		$	27,611		$	25,916		$	25,455		$	23,727		$	21,580		$	20,605		$	19,648

(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)Full year 2012 includes approximately $635 million of incremental charge-offs in the third quarter of 2012 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 fourth quarter of 2013 NCLs include approximately $184 million related to: 1) a change in charge-off policy for mortgages originated in CFNA to more closely align to policies used in the CMI business ($91 million); 2) acceleration of accounting losses associated with modified home equity loans determined to be collateral dependent ($64 million); and 3) change in estimate of NCLs related to collateral dependent loans to borrowers that have gone through Chapter 7 of the U.S. bankruptcy code ($29 million, of which $15 million related to CMI residential first mortgages and $14 million related to home equity loans).  These incremental $184 million of NCLs were fully offset by related loan loss reserve releases during the quarter.

(4)The fourth quarter of 2012, first quarter of 2013, second quarter of 2013, third quarter of 2013 and fourth quarter of 2013 include $100 million, $148 million, $124 million, $91 million and $60 million, respectively, of builds (releases) related to gains/(losses) on loan sales.

(5)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.

(6)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.

(7)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.

(8)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 transfer of Credicard to 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 million related to foreign currency translation.

(9)The third quarter of 2013 includes a reduction of approximately $214 million related to the sale or transfers to held-for-sale of various loan portfolios.

(10)The fourth quarter of 2013 includes a reduction of approximately $113 million related to the sale or transfers to held-for-sale of various loan portfolios. Additionally, there was a reduction of $230 million related to a non-provision transfer of reserves associated with deferred interest to other assets which includes deferred interest.

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

(12)December 31, 2012, March 31, 2013, June 30, 2013, September 30, 2013 and December 31, 2013 exclude $5.3 billion, $5.0 billion, $4.9 billion, $5.2 billion and $5.0 billion, respectively, of loans which are carried at fair value.

Reclassified to conform to the current period’s presentation.

34

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

																	Full	Full	Full	Full
	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	Year	Year	Year	Year
	2010	2010	2010	2010	2011	2011	2011	2011	2012	2012	2012	2012	2013	2013	2013	2013	2010	2011	2012	2013
Total Citigroup Consumer Loans

Allowance for Loan Losses at Beginning of Period (1)	$	28,347		$	41,369		$	39,529		$	37,564		$	35,406		$	32,686		$	30,915		$	28,866		$	27,236		$	25,963		$	24,639		$	23,099		$	22,679		$	20,948		$	18,872		$	17,912		$	28,347		$	35,406		$	27,236		$	22,679
Net Credit (Losses) / Recoveries (NCLs)	(7,958		)	(7,436		)	(6,678		)	(6,127		)	(5,346		)	(4,699		)	(4,148		)	(3,880		)	(3,941		)	(3,337		)	(3,780		)	(2,950		)	(2,833		)	(2,563		)	(2,334		)	(2,532		)	(28,199		)	(18,073		)	(14,008		)	(10,262		)
NCLs (2) (3)	7,958			7,436			6,678			6,127			5,346			4,699			4,148			3,880			3,941			3,337			3,780			2,950			2,833			2,563			2,334			2,532			28,199			18,073			14,008			10,262
Net Reserve Builds / (Releases) (2) (4)	(518		)	(1,296		)	(1,146		)	(1,930		)	(2,903		)	(1,810		)	(1,488		)	(1,241		)	(368		)	(564		)	(861		)	(117		)	(275		)	(544		)	(785		)	(158		)	(4,890		)	(7,442		)	(1,910		)	(1,762		)
Net Specific Reserve Builds / (Releases) (2) (4)	732			479			(221		)	587			912			268			231			33			(931		)	(384		)	(426		)	14			(400		)	(169		)	34			(362		)	1,577			1,444			(1,727		)	(897		)
Provision for Loan Losses	8,172			6,619			5,311			4,784			3,355			3,157			2,891			2,672			2,642			2,389			2,493			2,847			2,158			1,850			1,583			2,012			24,886			12,075			10,371			7,603
Other (5) (6) (7) (8) (9) (10)	12,808			(1,023		)	(598		)	(815		)	(729		)	(229		)	(792		)	(422		)	26			(376		)	(253		)	(317		)	(1,056		)	(1,363		)	(209		)	(328		)	10,372			(2,172		)	(920		)	(2,956		)
Allowance for Loan Losses at End of Period (1) (a)	$	41,369		$	39,529		$	37,564		$	35,406		$	32,686		$	30,915		$	28,866		$	27,236		$	25,963		$	24,639		$	23,099		$	22,679		$	20,948		$	18,872		$	17,912		$	17,064		$	35,406		$	27,236		$	22,679		$	17,064
Consumer Allowance for Unfunded Lending Commitments (11) (a)	$	6		$	—		$	—		$	—		$	—		$	3		$	4		$	3		$	2		$	2		$	1		$	2		$	15		$	27		$	66		$	65		$	—		$	3		$	2		$	65
Provision for Unfunded Lending Commitments	$	—		$	(9	)	$	—		$	—		$	—		$	3		$	2		$	—		$	—		$	—		$	(1	)	$	—		$	15		$	8		$	14		$	(2	)	$	(9	)	$	5		$	(1	)	$	35
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	41,375		$	39,529		$	37,564		$	35,406		$	32,686		$	30,918		$	28,870		$	27,239		$	25,965		$	24,641		$	23,100		$	22,681		$	20,963		$	18,899		$	17,978		$	17,129		$	35,406		$	27,239		$	22,681		$	17,129
Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans (12)	7.86		%	7.90		%	8.20		%	7.81		%	7.48		%	7.05		%	6.83		%	6.45		%	6.26		%	6.04		%	5.68		%	5.57		%	5.32		%	4.95		%	4.63		%	4.34		%
Total Citigroup Corporate Loans

Allowance for Loan Losses at Beginning of Period	$	7,686		$	7,377		$	6,668		$	6,110		$	5,249		$	3,882		$	3,447		$	3,186		$	2,879		$	3,057		$	2,972		$	2,817		$	2,776		$	2,779		$	2,708		$	2,693		$	7,686		$	5,249		$	2,879		$	2,776
Net Credit (Losses) / Recoveries (NCL’s)	(364		)	(472		)	(922		)	(666		)	(849		)	(350		)	(272		)	(143		)	83			(154		)	(117		)	(35		)	(45		)	(45		)	(96		)	(15		)	(2,424		)	(1,614		)	(223		)	(201		)
NCLs	364			472			922			666			849			350			272			143			(83		)	154			117			35			45			45			96			15			2,424			1,614			223			201
Net Reserve Builds / (Releases)	(372		)	(451		)	(303		)	(501		)	(597		)	(155		)	(118		)	(213		)	154			(77		)	1			(76		)	(31		)	(98		)	18			(88		)	(1,627		)	(1,083		)	2			(199		)
Net Specific Reserve Builds / (Releases)	133			(171		)	(301		)	(383		)	(794		)	(283		)	(109		)	(84		)	(4		)	9			(175		)	32			42			30			(45		)	(28		)	(722		)	(1,270		)	(138		)	(1		)
Provision for Loan Losses	125			(150		)	318			(218		)	(542		)	(88		)	45			(154		)	67			86			(57		)	(9		)	56			(23		)	69			(101		)	75			(739		)	87			1
Other (4)	(70		)	(87		)	46			23			24			3			(34		)	(10		)	28			(17		)	19			3			(8		)	(3		)	12			7			(88		)	(17		)	33			8
Allowance for Loan Losses at End of Period (1) (b)	$	7,377		$	6,668		$	6,110		$	5,249		$	3,882		$	3,447		$	3,186		$	2,879		$	3,057		$	2,972		$	2,817		$	2,776		$	2,779		$	2,708		$	2,693		$	2,584		$	5,249		$	2,879		$	2,776		$	2,584
Corporate Allowance for Unfunded Lending Commitments (11) (b)	$	1,116		$	1,054		$	1,102		$	1,066		$	1,105		$	1,094		$	1,135		$	1,133		$	1,095		$	1,102		$	1,062		$	1,117		$	1,117		$	1,106		$	1,196		$	1,164		$	1,066		$	1,133		$	1,117		$	1,164
Provision for Unfunded Lending Commitments	$	(35	)	$	(62	)	$	26		$	(37	)	$	25		$	(16	)	$	41		$	(4	)	$	(38	)	$	7		$	(40	)	$	56		$	(1	)	$	(11	)	$	89		$	(32	)	$	(108	)	$	46		$	(15	)	$	45
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (b)]	$	8,493		$	7,722		$	7,212		$	6,315		$	4,987		$	4,541		$	4,321		$	4,012		$	4,152		$	4,074		$	3,879		$	3,893		$	3,896		$	3,814		$	3,889		$	3,748		$	6,315		$	4,012		$	3,893		$	3,748
Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans (13)	3.88		%	3.57		%	3.20		%	2.75		%	1.98		%	1.69		%	1.52		%	1.31		%	1.34		%	1.23		%	1.14		%	1.14		%	1.12		%	1.05		%	1.01		%	0.97		%

Notes to these tables are on the following page (page 36).

35

ALLOWANCE FOR CREDIT LOSSES - PAGE 3 TOTAL CITIGROUP

The following notes relate to the tables on the prior page (page 35).

(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 34.

(3)See Footnote (3) on page 34.

(4)The fourth quarter of 2012, first quarter of 2013, second quarter of 2013, third quarter of 2013 and fourth quarter of 2013 include $100 million, $148 million, $124 million, $91 million and $60 million, respectively, of builds (releases) related to gains/(losses) on loan sales.

(5)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.

(6)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.

(7)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.

(8)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 transfer of Credicard to 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 million related to foreign currency translation.

(9)The third quarter of 2013 includes a reduction of approximately $214 million related to the sale or transfers to held-for-sale of various loan portfolios.

(10)The fourth quarter of 2013 includes a reduction of approximately $113 million related to the sale or transfers to held-for-sale of various loan portfolios. Additionally, there was a reduction of $230 million related to a non-provision transfer of reserves associated with deferred interest to other assets which includes deferred interest.

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

(12)December 31, 2012, March 31, 2013, June 30, 2013, September 30, 2013 and December 31, 2013 exclude $1.2 billion, $1.2 billion, $1.0 billion, $1.0 billion and $0.9 billion, respectively, of loans which are carried at fair value.

(13)December 31, 2012, March 31, 2013, June 30, 2013, September 30, 2013 and December 31, 2013 exclude $4.1 billion, $3.8 billion, $3.8 billion, $4.2 billion and $4.1 billion, respectively, of loans which are carried at fair value.

Reclassified to conform to the current period’s presentation.

36

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

																																																	Full			Full			Full			Full
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013			2010			2011			2012			2013
Citicorp
Net Credit Losses	$	4,538		$	4,263		$	4,140		$	3,724		$	3,177		$	2,884		$	2,539		$	2,511		$	2,124		$	2,162		$	2,090		$	2,013		$	1,948		$	1,838		$	1,795		$	1,812		$	16,665		$	11,111		$	8,389		$	7,393
Credit Reserve Build / (Release)	(365		)	(838		)	(937		)	(1,028		)	(1,824		)	(1,405		)	(952		)	(893		)	(599		)	(766		)	(664		)	(193		)	(317		)	(301		)	(104		)	(104		)	(3,168		)	(5,074		)	(2,222		)	(826		)
Global Consumer Banking
Net Credit Losses	4,436			4,221			3,849			3,586			2,966			2,734			2,451			2,338			2,181			2,039			1,948			1,939			1,909			1,785			1,730			1,787			16,092			10,489			8,107			7,211
Credit Reserve Build / (Release)	(192		)	(606		)	(910		)	(836		)	(1,429		)	(1,349		)	(983		)	(754		)	(756		)	(753		)	(515		)	(152		)	(340		)	(237		)	(85		)	(7		)	(2,544		)	(4,515		)	(2,176		)	(669		)
North America Regional Consumer Banking
Net Credit Losses	3,616			3,480			3,148			2,888			2,372			2,136			1,854			1,739			1,629			1,511			1,351			1,265			1,255			1,190			1,083			1,106			13,132			8,101			5,756			4,634
Credit Reserve Build / (Release)	2			(208		)	(492		)	(621		)	(1,201		)	(1,240		)	(955		)	(785		)	(841		)	(814		)	(519		)	(215		)	(370		)	(351		)	(228		)	(87		)	(1,319		)	(4,181		)	(2,389		)	(1,036		)
Retail Banking
Net Credit Losses	75			80			90			96			88			79			65			70			62			62			72			51			55			44			38			47			341			302			247			184
Credit Reserve Build / (Release)	2			(9		)	40			6			2			7			9			5			(2		)	(5		)	37			45			(9		)	(2		)	9			(20		)	39			23			75			(22		)
Citi-Branded Cards
Net Credit Losses	2,084			2,048			1,880			1,671			1,352			1,231			1,099			986			902			840			745			700			692			665			610			588			7,683			4,668			3,187			2,555
Credit Reserve Build / (Release)	—			—			1			(347		)	(642		)	(752		)	(655		)	(678		)	(549		)	(405		)	(403		)	(240		)	(128		)	(176		)	(156		)	(76		)	(346		)	(2,727		)	(1,597		)	(536		)
Citi Retail Services
Net Credit Losses	1,457			1,352			1,178			1,121			932			826			690			683			665			609			534			514			508			481			435			471			5,108			3,131			2,322			1,895
Credit Reserve Build / (Release)	—			(199		)	(533		)	(280		)	(561		)	(495		)	(309		)	(112		)	(290		)	(404		)	(153		)	(20		)	(233		)	(173		)	(81		)	9			(1,012		)	(1,477		)	(867		)	(478		)
EMEA Regional Consumer Banking
Net Credit Losses	96			84			63			72			49			46			49			28			29			14			29			33			29			(1		)	21			19			315			172			105			68
Credit Reserve Build / (Release)	(11		)	(46		)	(48		)	(13		)	(34		)	(55		)	(32		)	3			(5		)	(13		)	2			11			(11		)	(9		)	3			(1		)	(118		)	(118		)	(5		)	(18		)
Retail Banking
Net Credit Losses	46			45			32			43			23			23			29			12			12			7			12			15			9			(2		)	11			8			166			87			46			26
Credit Reserve Build / (Release)	(7		)	(21		)	(18		)	(7		)	(12		)	(29		)	(20		)	6			2			(9		)	—			5			(10		)	(5		)	3			(3		)	(53		)	(55		)	(2		)	(15		)
Citi-Branded Cards
Net Credit Losses	50			39			31			29			26			23			20			16			17			7			17			18			20			1			10			11			149			85			59			42
Credit Reserve Build / (Release)	(4		)	(25		)	(30		)	(6		)	(22		)	(26		)	(12		)	(3		)	(7		)	(4		)	2			6			(1		)	(4		)	—			2			(65		)	(63		)	(3		)	(3		)
Latin America Regional Consumer Banking
Net Credit Losses	447			403			392			390			333			327			312			361			333			315			351			406			419			416			434			458			1,632			1,333			1,405			1,727
Credit Reserve Build / (Release)	(145		)	(240		)	(276		)	(159		)	(159		)	(35		)	44			(3		)	91			95			36			32			38			104			168			66			(820		)	(153		)	254			376
Retail Banking
Net Credit Losses	91			96			129			123			103			117			113			142			143			135			160			210			207			204			209			224			439			475			648			844
Credit Reserve Build / (Release)	(7		)	(28		)	(53		)	3			(69		)	23			76			16			87			75			37			27			9			80			126			28			(85		)	46			226			243
Citi-Branded Cards
Net Credit Losses	356			307			263			267			230			210			199			219			190			180			191			196			212			212			225			234			1,193			858			757			883
Credit Reserve Build / (Release)	(138		)	(212		)	(223		)	(162		)	(90		)	(58		)	(32		)	(19		)	4			20			(1		)	5			29			24			42			38			(735		)	(199		)	28			133
Asia Regional Consumer Banking
Net Credit Losses	277			254			246			236			212			225			236			210			190			199			217			235			206			180			192			204			1,013			883			841			782
Credit Reserve Build / (Release)	(38		)	(112		)	(94		)	(43		)	(35		)	(19		)	(40		)	31			(1		)	(21		)	(34		)	20			3			19			(28		)	15			(287		)	(63		)	(36		)	9
Retail Banking
Net Credit Losses	82			85			85			83			67			83			91			85			65			72			81			99			67			53			78			91			335			326			317			289
Credit Reserve Build / (Release)	(14		)	(34		)	(30		)	(16		)	(14		)	(2		)	(13		)	26			12			4			(36		)	(3		)	—			42			(11		)	14			(94		)	(3		)	(23		)	45
Citi-Branded Cards
Net Credit Losses	195			169			161			153			145			142			145			125			125			127			136			136			139			127			114			113			678			557			524			493
Credit Reserve Build / (Release)	(24		)	(78		)	(64		)	(27		)	(21		)	(17		)	(27		)	5			(13		)	(25		)	2			23			3			(23		)	(17		)	1			(193		)	(60		)	(13		)	(36		)
Institutional Clients Group (ICG)
Net Credit Losses	103			43			290			137			210			150			87			172			(58		)	122			143			75			39			53			65			25			573			619			282			182
Credit Reserve Build / (Release)	(177		)	(232		)	(27		)	(190		)	(394		)	(56		)	32			(138		)	158			(13		)	(149		)	(41		)	23			(64		)	(19		)	(97		)	(626		)	(556		)	(45		)	(157		)
Corporate / Other
Net Credit Losses	(1		)	(1		)	1			1			1			—			1			1			1			1			(1		)	(1		)	—			—			—			—			—			3			—			—
Credit Reserve Build / (Release)	4			—			—			(2		)	(1		)	—			(1		)	(1		)	(1		)	—			—			—			—			—			—			—			2			(3		)	(1		)	—
Total Citicorp Provision for Loan Losses	$	4,173		$	3,425		$	3,203		$	2,696		$	1,353		$	1,479		$	1,587		$	1,618		$	1,525		$	1,396		$	1,426		$	1,820		$	1,631		$	1,537		$	1,691		$	1,708		$	13,497		$	6,037		$	6,167		$	6,567

Reclassified to conform to the current period’s presentation.

37

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

																																															Full			Full			Full			Full
	1Q		2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q		1Q			2Q			3Q			4Q			Year			Year			Year			Year
	2010		2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012		2013			2013			2013			2013			2010			2011			2012			2013
Citi Holdings
Net Credit Losses	$	3,784	$	3,645		$	3,460		$	3,069		$	3,018		$	2,165		$	1,881		$	1,512		$	1,734		$	1,329		$	1,807		$	972	$	930		$	770		$	635		$	735		$	13,958		$	8,576		$	5,842		$	3,070
Credit Reserve Build / (Release)	340		(601		)	(1,034		)	(1,199		)	(1,558		)	(575		)	(532		)	(612		)	(550		)	(250		)	(797		)	46		(347		)	(480		)	(674		)	(532		)	(2,494		)	(3,277		)	(1,551		)	(2,033		)
Total Citi Holdings Provision for Loan Losses	$	4,124	$	3,044		$	2,426		$	1,870		$	1,460		$	1,590		$	1,349		$	900		$	1,184		$	1,079		$	1,010		$	1,018	$	583		$	290		$	(39	)	$	203		$	11,464		$	5,299		$	4,291		$	1,037
Total Citicorp Provision for Loan Losses (from prior page)	$	4,173	$	3,425		$	3,203		$	2,696		$	1,353		$	1,479		$	1,587		$	1,618		$	1,525		$	1,396		$	1,426		$	1,820	$	1,631		$	1,537		$	1,691		$	1,708		$	13,497		$	6,037		$	6,167		$	6,567
Total Citigroup Provision for Loan Losses	$	8,297	$	6,469		$	5,629		$	4,566		$	2,813		$	3,069		$	2,936		$	2,518		$	2,709		$	2,475		$	2,436		$	2,838	$	2,214		$	1,827		$	1,652		$	1,911		$	24,961		$	11,336		$	10,458		$	7,604

Reclassified to conform to the current period’s presentation.

38

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

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	5,660		$	4,411		$	3,299		$	2,112		$	1,997		$	1,899		$	1,639		$	1,246		$	1,017		$	724		$	900		$	735		$	1,005		$	811		$	807		$	736
EMEA	5,839			5,511			5,479			5,337			2,437			1,954			1,748			1,293			1,194			1,169			1,054			1,131			1,079			972			975			766
Latin America	613			581			664			701			606			528			442			362			263			209			151			128			116			91			124			127
Asia	831			546			517			470			451			451			342			335			499			469			324			339			304			270			272			279
Total	$	12,943		$	11,049		$	9,959		$	8,620		$	5,491		$	4,832		$	4,171		$	3,236		$	2,973		$	2,571		$	2,429		$	2,333		$	2,504		$	2,144		$	2,178		$	1,908
Consumer Non-Accrual Loans By Region (2)
North America	$	12,966		$	11,289		$	9,978		$	8,540		$	7,068		$	6,015		$	5,822		$	5,888		$	6,519		$	6,403		$	7,698		$	7,148		$	6,171		$	5,568		$	5,308		$	5,192
EMEA	785			687			752			652			657			644			514			387			397			371			379			380			263			234			147			138
Latin America	1,241			1,207			1,144			1,019			1,034			1,083			998			1,107			1,178			1,158			1,275			1,285			1,313			1,430			1,400			1,426
Asia	633			580			586			576			562			549			480			450			474			414			409			383			402			330			348			293
Total	$	15,625		$	13,763		$	12,460		$	10,787		$	9,321		$	8,291		$	7,814		$	7,832		$	8,568		$	8,346		$	9,761		$	9,196		$	8,149		$	7,562		$	7,203		$	7,049
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
ICG	$	846		$	830		$	842		$	796		$	743		$	770		$	764		$	23		$	7		$	12		$	9		$	7		$	2		$	4		$	3		$	13
Global Consumer Banking	35			36			37			30			33			40			46			48			41			35			38			40			41			39			46			46
Citi Holdings	632			800			855			863			787			608			534			480			518			484			417			391			363			339			334			338
Corporate/Other	8			7			7			14			14			16			13			15			14			10			10			2			6			9			20			20
TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	1,521		$	1,673		$	1,741		$	1,703		$	1,577		$	1,434		$	1,357		$	566		$	580		$	541		$	474		$	440		$	412		$	391		$	403		$	417
OREO By Region:
North America	$	1,291		$	1,422		$	1,470		$	1,440		$	1,331		$	1,245		$	1,222		$	441		$	392		$	366		$	315		$	299		$	286		$	267		$	293		$	305
EMEA	134			146			164			161			140			133			79			73			139			127			111			99			85			76			62			59
Latin America	51			49			53			47			52			55			56			51			48			48			48			40			39			46			40			47
Asia	45			56			54			55			54			1			—			1			1			—			—			2			2			2			8			6
Total	$	1,521		$	1,673		$	1,741		$	1,703		$	1,577		$	1,434		$	1,357		$	566		$	580		$	541		$	474		$	440		$	412		$	391		$	403		$	417
Other Repossessed Assets (4)	$	64		$	55		$	38		$	28		$	21		$	18		$	24		$	1		$	1		$	2		$	1		$	1		$	1		$	—		$	—		$	—
Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	12,943		$	11,049		$	9,959		$	8,620		$	5,491		$	4,832		$	4,171		$	3,236		$	2,973		$	2,571		$	2,429		$	2,333		$	2,504		$	2,144		$	2,178		$	1,908
Consumer Non-Accrual Loans	15,625			13,763			12,460			10,787			9,321			8,291			7,814			7,832			8,568			8,346			9,761			9,196			8,149			7,562			7,203			7,049
Non-Accrual Loans (NAL)	28,568			24,812			22,419			19,407			14,812			13,123			11,985			11,068			11,541			10,917			12,190			11,529			10,653			9,706			9,381			8,957
OREO	1,521			1,673			1,741			1,703			1,577			1,434			1,357			566			580			541			474			440			412			391			403			417
Other Repossessed Assets	64			55			38			28			21			18			24			1			1			2			1			1			1			—			—			—
Non-Accrual Assets (NAA)	$	30,153		$	26,540		$	24,198		$	21,138		$	16,410		$	14,575		$	13,366		$	11,635		$	12,122		$	11,460		$	12,665		$	11,970		$	11,066		$	10,097		$	9,784		$	9,374
NAL as a % of Total Loans	3.96		%	3.58		%	3.43		%	2.99		%	2.32		%	2.03		%	1.88		%	1.71		%	1.78		%	1.67		%	1.85		%	1.76		%	1.65		%	1.51		%	1.43		%	1.35		%
NAA as a % of Total Assets	1.51		%	1.37		%	1.22		%	1.10		%	0.84		%	0.74		%	0.69		%	0.62		%	0.62		%	0.60		%	0.66		%	0.64		%	0.59		%	0.54		%	0.52		%	0.50		%
Allowance for Loan Losses as a % of NAL	171		%	186		%	195		%	209		%	247		%	262		%	267		%	272		%	251		%	253		%	213		%	221		%	223		%	222		%	220		%	219		%

(1)	Corporate loans are placed on non-accrual status based upon a review by Citigroup’s risk officers. Corporate non-accrual loans may still be current on interest payments. With limited exceptions, the following practices are applied for Consumer loans: Consumer loans, excluding credit cards and mortgages, are placed on non-accrual status at 90 days past due, and are charged off at 120 days past due; residential mortgage loans are placed on non-accrual status at 90 days past due and written down to net realizable value at 180 days past due. Consistent with industry conventions, Citigroup generally accrues interest on credit card loans until such loans are charged off, which typically occurs at 180 days contractual delinquency. As such, the non-accrual loan disclosures do not include credit card loans.
(2)	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. Also includes former premises and property for use that is no longer contemplated.
(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.

39

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

	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q
	2010	2010	2010	2010	2011	2011	2011	2011	2012	2012	2012	2012	2013	2013	2013	2013
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)

North America	$	1,258		$	1,046		$	1,115		$	987		$	1,181		$	1,189		$	1,243		$	921		$	790		$	569		$	758		$	644		$	795		$	731		$	746		$	695
EMEA	1,089			864			1,131			1,276			1,302			1,064			957			694			748			804			718			806			767			658			676			489
Latin America	347			313			378			472			427			392			361			294			203			193			147			126			114			90			123			126
Asia	292			363			349			356			356			341			300			308			472			448			305			333			299			268			262			270
Total	$	2,986		$	2,586		$	2,973		$	3,091		$	3,266		$	2,986		$	2,861		$	2,217		$	2,213		$	2,014		$	1,928		$	1,909		$	1,975		$	1,747		$	1,807		$	1,580
Consumer Non-Accrual Loans By Region (2)
North America	$	242		$	273		$	355		$	376		$	363		$	341		$	345		$	345		$	390		$	450		$	507		$	523		$	530		$	502		$	499		$	485
EMEA	210			145			144			102			110			104			76			84			94			88			98			101			93			91			70			61
Latin America	1,200			1,167			1,102			977			1,004			1,051			959			1,061			1,130			1,110			1,228			1,244			1,274			1,391			1,368			1,395
Asia	386			339			354			363			359			364			323			311			348			338			329			319			363			299			309			270
Total	$	2,038		$	1,924		$	1,955		$	1,818		$	1,836		$	1,860		$	1,703		$	1,801		$	1,962		$	1,986		$	2,162		$	2,187		$	2,260		$	2,283		$	2,246		$	2,211
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
ICG	$	846		$	830		$	842		$	796		$	743		$	770		$	764		$	23		$	7		$	12		$	9		$	7		$	2		$	4		$	3		$	13
Global Consumer Banking	35			36			37			30			33			40			46			48			41			35			38			40			41			39			46			46
Corporate/Other	8			7			7			14			14			16			13			15			14			10			10			2			6			9			20			20
TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	889		$	873		$	886		$	840		$	790		$	826		$	823		$	86		$	62		$	57		$	57		$	49		$	49		$	52		$	69		$	79
OREO By Region:
North America	$	791		$	810		$	828		$	791		$	741		$	775		$	779		$	45		$	29		$	22		$	23		$	18		$	15		$	13		$	23		$	15
EMEA	12			11			11			11			11			12			10			9			5			9			6			6			6			5			6			15
Latin America	41			39			42			34			34			38			34			31			27			26			28			23			26			32			32			43
Asia	45			13			5			4			4			1			—			1			1			—			—			2			2			2			8			6
Total	$	889		$	873		$	886		$	840		$	790		$	826		$	823		$	86		$	62		$	57		$	57		$	49		$	49		$	52		$	69		$	79
Other Repossessed Assets (4)	N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	2,986		$	2,586		$	2,973		$	3,091		$	3,266		$	2,986		$	2,861		$	2,217		$	2,213		$	2,014		$	1,928		$	1,909		$	1,975		$	1,747		$	1,807		$	1,580
Consumer Non-Accrual Loans	2,038			1,924			1,955			1,818			1,836			1,860			1,703			1,801			1,962			1,986			2,162			2,187			2,260			2,283			2,246			2,211
Non-Accrual Loans (NAL)	5,024			4,510			4,928			4,909			5,102			4,846			4,564			4,018			4,175			4,000			4,090			4,096			4,235			4,030			4,053			3,791
OREO	889			873			886			840			790			826			823			86			62			57			57			49			49			52			69			79
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	5,913		$	5,383		$	5,814		$	5,749		$	5,892		$	5,672		$	5,387		$	4,104		$	4,237		$	4,057		$	4,147		$	4,145		$	4,284		$	4,082		$	4,122		$	3,870
NAA as a % of Total Assets	0.38		%	0.35		%	0.36		%	0.36		%	0.36		%	0.34		%	0.32		%	0.25		%	0.24		%	0.24		%	0.24		%	0.24		%	0.25		%	0.23		%	0.23		%	0.22		%
Allowance for Loan Losses as a % of NAL	496		%	528		%	470		%	456		%	403		%	397		%	386		%	416		%	391		%	385		%	363		%	357		%	338		%	333		%	328		%	348		%

N/A   Not Available at the Citicorp level.  See “Non-Accrual Assets -  Page 1” (on page 39) 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.  Also includes former premises and property for use that is no longer contemplated.

(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.

40

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

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2010			2010			2010			2010			2011			2011			2011			2011			2012			2012			2012			2012			2013			2013			2013			2013
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	4,402		$	3,365		$	2,184		$	1,125		$	816		$	710		$	396		$	325		$	227		$	155		$	142		$	91		$	210		$	80		$	61		$	41
EMEA	4,750			4,647			4,348			4,061			1,135			890			791			599			446			365			336			325			312			314			299			277
Latin America	266			268			286			229			179			136			81			68			60			16			4			2			2			1			1			1
Asia	539			183			168			114			95			110			42			27			27			21			19			6			5			2			10			9
Total	$	9,957		$	8,463		$	6,986		$	5,529		$	2,225		$	1,846		$	1,310		$	1,019		$	760		$	557		$	501		$	424		$	529		$	397		$	371		$	328
Consumer Non-Accrual Loans By Region (2)
North America	$	12,724		$	11,016		$	9,623		$	8,164		$	6,705		$	5,674		$	5,477		$	5,543		$	6,129		$	5,953		$	7,191		$	6,625		$	5,641		$	5,066		$	4,809		$	4,707
EMEA	575			542			608			550			547			540			438			303			303			283			281			279			170			143			77			77
Latin America	41			40			42			42			30			32			39			46			48			48			47			41			39			39			32			31
Asia	247			241			232			213			203			185			157			139			126			76			80			64			39			31			39			23
Total	$	13,587		$	11,839		$	10,505		$	8,969		$	7,485		$	6,431		$	6,111		$	6,031		$	6,606		$	6,360		$	7,599		$	7,009		$	5,889		$	5,279		$	4,957		$	4,838
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
OREO By Region (3):
North America	$	500		$	612		$	642		$	649		$	590		$	470		$	443		$	396		$	363		$	344		$	292		$	281		$	271		$	254		$	270		$	290
EMEA	122			135			153			150			129			121			69			64			134			118			105			93			79			71			56			44
Latin America	10			10			11			13			18			17			22			20			21			22			20			17			13			14			8			4
Asia	—			43			49			51			50			—			—			—			—			—			—			—			—			—			—			—
Total	$	632		$	800		$	855		$	863		$	787		$	608		$	534		$	480		$	518		$	484		$	417		$	391		$	363		$	339		$	334		$	338
Other Repossessed Assets (4)	N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	9,957		$	8,463		$	6,986		$	5,529		$	2,225		$	1,846		$	1,310		$	1,019		$	760		$	557		$	501		$	424		$	529		$	397		$	371		$	328
Consumer Non-Accrual Loans	13,587			11,839			10,505			8,969			7,485			6,431			6,111			6,031			6,606			6,360			7,599			7,009			5,889			5,279			4,957			4,838
Non-Accrual Loans (NAL)	23,544			20,302			17,491			14,498			9,710			8,277			7,421			7,050			7,366			6,917			8,100			7,433			6,418			5,676			5,328			5,166
OREO	632			800			855			863			787			608			534			480			518			484			417			391			363			339			334			338
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	24,176		$	21,102		$	18,346		$	15,361		$	10,497		$	8,885		$	7,955		$	7,530		$	7,884		$	7,401		$	8,517		$	7,824		$	6,781		$	6,015		$	5,662		$	5,504
NAA as a % of Total Assets	5.28		%	5.02		%	4.87		%	4.91		%	3.56		%	3.35		%	3.22		%	3.35		%	3.77		%	3.87		%	4.98		%	5.02		%	4.55		%	4.59		%	4.64		%	4.70		%
Allowance for Loan Losses as a % of NAL	101		%	110		%	117		%	126		%	165		%	183		%	195		%	190		%	173		%	177		%	137		%	146		%	146		%	144		%	137		%	125		%

N/A Not Available at the Citi Holdings level.  See “Non-Accrual Assets -  Page 1” (on page 39) 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.  Also includes former premises and property for use that is no longer contemplated.

(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.

41

CITIGROUP

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES

(In millions of dollars, except per share amounts)

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:

	1Q		2Q		3Q		4Q		1Q		2Q		3Q		4Q		1Q		2Q		3Q		4Q		1Q		2Q		3Q		4Q
	2010		2010		2010		2010		2011		2011		2011		2011		2012		2012		2012		2012		2013		2013		2013		2013
Tangible Book Value Per Share (on page 1):
Total Common Equity	$	151,109	$	154,494	$	162,601	$	163,156	$	170,725	$	176,052	$	177,060	$	177,494	$	181,508	$	183,599	$	186,465	$	186,487	$	190,222	$	191,633	$	195,603	$	197,601
Less:
Goodwill	25,662		25,201		25,797		26,152		26,339		26,621		25,496		25,413		25,810		25,483		25,915		25,673		25,474		24,896		25,098		25,009
Intangible Assets (Other than MSRs)	8,277		7,868		7,705		7,504		7,280		7,136		6,800		6,600		6,413		6,156		5,963		5,697		5,457		4,981		4,888		5,056
Goodwill and Intangible Assets (other than MSRs) Related to Assets For Discontinued Operations Held-for-Sale	45		66		—		—		165		—		—		—		—		—		37		32		2		267		267		—
Net Deferred Taxes - Related to Goodwill and Intangible Assets Above	65		62		59		56		53		50		47		44		41		38		35		32		—		—		—		—
Tangible Common Equity	$	117,060	$	121,297	$	129,040	$	129,444	$	136,888	$	142,245	$	144,717	$	145,437	$	149,244	$	151,922	$	154,515	$	155,053	$	159,289	$	161,489	$	165,350	$	167,536
Common Shares Outstanding, at period end	2,862.0		2,897.5		2,905.0		2,905.8		2,920.6		2,917.9		2,923.7		2,923.9		2,932.2		2,932.5		2,932.5		3,028.9		3,042.9		3,041.0		3,033.0		3,029.2
Tangible Book Value Per Share	$	40.90	$	41.86	$	44.42	$	44.55	$	46.87	$	48.75	$	49.50	$	49.74	$	50.90	$	51.81	$	52.69	$	51.19	$	52.35	$	53.10	$	54.52	$	55.31

Reclassified to conform to the current period’s presentation.

42