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

Exhibit 99.2

CITIGROUP - QUARTERLY FINANCIAL DATA SUPPLEMENT 2Q14

	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)

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Total Revenues, Net of Interest Expense	$	20,488		$	17,904		$	17,779		$	20,124		$	19,342		(4	)%	(6	)%	$	40,736		$	39,466		(3	)%
Total Operating Expenses	12,149			11,679			12,292			12,149			15,521			28	%	28	%	24,437			27,670			13	%
Net Credit Losses (NCLs)	2,608			2,430			2,547			2,439			2,189			(10	)%	(16	)%	5,486			4,628			(16	)%
Credit Reserve Build / (Release)	(781		)	(778		)	(636		)	(646		)	(610		)	6	%	22	%	(1,445		)	(1,256		)	13	%
Provision for Unfunded Lending Commitments	(3		)	103			(34		)	(27		)	(31		)	(15	)%	NM		11			(58		)	NM
Provision for Benefits & Claims	200			204			195			208			182			(13	)%	(9	)%	431			390			(10	)%
Provision for Credit Losses and for Benefits and Claims	2,024			1,959			2,072			1,974			1,730			(12	)%	(15	)%	4,483			3,704			(17	)%
Income from Continuing Operations before Income Taxes	6,315			4,266			3,415			6,001			2,091			(65	)%	(67	)%	11,816			8,092			(32	)%
Income Taxes (benefits)	2,127			1,080			1,090			2,050			1,838			(10	)%	(14	)%	3,697			3,888			5	%
Income from Continuing Operations	$	4,188		$	3,186		$	2,325		$	3,951		$	253		(94	)%	(94	)%	$	8,119		$	4,204		(48	)%
Income (Loss) from Discontinued Operations, net of Taxes	30			92			181			37			(22		)	NM		NM		(3		)	15			NM
Net Income before Noncontrolling Interests	4,218			3,278			2,506			3,988			231			(94	)%	(95	)%	8,116			4,219			(48	)%
Net Income Attributable to Noncontrolling Interests	36			51			50			45			50			11	%	39	%	126			95			(25	)%
Citigroup’s Net Income	$	4,182		$	3,227		$	2,456		$	3,943		$	181		(95	)%	(96	)%	$	7,990		$	4,124		(48	)%
Diluted Earnings Per Share:
Income from Continuing Operations	$	1.33		$	0.98		$	0.71		$	1.22		$	0.03		(98	)%	(98	)%	$	2.57		$	1.26		(51	)%
Citigroup’s Net Income	$	1.34		$	1.00		$	0.77		$	1.23		$	0.03		(98	)%	(98	)%	$	2.57		$	1.26		(51	)%
Shares (in millions):
Average Basic	3,040.7			3,034.3			3,028.0			3,037.4			3,033.8			—		—		3,040.4			3,035.6			—
Average Diluted	3,046.3			3,040.9			3,034.6			3,043.3			3,038.3			—		—		3,045.5			3,040.8			—
Common Shares Outstanding, at period end	3,041.0			3,033.0			3,029.2			3,037.8			3,031.8			—		—
Preferred Dividends - Basic	$	9		$	110		$	71		$	124		$	100		(19	)%	NM		$	13		$	224		NM
Preferred Dividends - Diluted	$	9		$	110		$	71		$	124		$	100		(19	)%	NM		$	13		$	224		NM
Income Allocated to Unrestricted Common Shareholders - Basic
Income from Continuing Operations	$	4,061		$	2,965		$	2,161		$	3,720		$	102		(97	)%	(97	)%	$	7,825		$	3,821		(51	)%
Citigroup’s Net Income	$	4,090		$	3,056		$	2,338		$	3,757		$	80		(98	)%	(98	)%	$	7,822		$	3,836		(51	)%
Income Allocated to Unrestricted Common Shareholders - Diluted
Income from Continuing Operations	$	4,061		$	2,966		$	2,161		$	3,720		$	102		(97	)%	(97	)%	$	7,826		$	3,822		(51	)%
Citigroup’s Net Income	$	4,091		$	3,056		$	2,338		$	3,757		$	80		(98	)%	(98	)%	$	7,823		$	3,836		(51	)%
Financial Ratios:
Estimated Basel III Tier 1 Common Ratio (1)	10.03		%	10.50		%	10.11		%	10.47		%	10.6		%*
Estimated Basel III Tier 1 Capital Ratio (1)	10.38		%	10.93		%	10.74		%	11.12		%	11.4		%*
Estimated Basel III Total Capital Ratio (1)	12.80		%	13.15		%	12.08		%	12.53		%	12.8		%*
Estimated Basel III Supplementary Leverage Ratio (2)	4.89		%	5.09		%	5.40		%	5.61		%	5.7		%*
Return on Average Assets	0.88		%	0.69		%	0.52		%	0.85		%	0.04		%*					0.85		%	0.44		%
Efficiency Ratio	59		%	65		%	69		%	60		%	80		%					60		%	70		%
Return on Average Common Equity	8.8		%	6.4		%	4.8		%	7.8		%	0.2		%*
Balance Sheet Data, EOP (in billions of dollars, except Book Value per Share):
Total Assets	$	1,884.0		$	1,899.5		$	1,880.4		$	1,894.7		$	1,910.3		1	%	1	%
Total Average Assets	1,898.9			1,859.5			1,888.0			1,888.3			1,903.3			1	%	—		1,892.9			1,895.8			—
Total Deposits	938.4			955.5			968.3			966.3			966.0			—		3	%
Citigroup’s Stockholders’ Equity	195.9			200.8			204.3			208.5			211.4			1	%	8	%
Book Value Per Share	$	63.02		$	64.49		$	65.23		$	66.25		$	66.76		1	%	6	%
Tangible Book Value Per Share (3)	$	53.10		$	54.52		$	55.31		$	56.40		$	56.89		1	%	7	%
Direct Staff (in thousands)	253			252			251			248			244			(2	)%	(4	)%

(1)Citigroup’s estimated Basel III Tier 1 Common ratio, which reflects full implementation assumed for related capital components, is a non-GAAP financial measure. Citigroup’s estimated Basel III Capital ratios and related components as of June 30, 2013 are based on the proposed U.S. Basel III rules, and with full implementation assumed for capital components; whereas September 30, 2013 and after are based on the final U.S. Basel III rules, and with full implementation assumed for capital components. For all periods, estimated Basel III risk-weighted assets are based on the “advanced approaches” for determining total risk-weighted assets.  In addition, December 31, 2013 estimated Basel III Tier 1 Common ratio was adjusted to include on a pro forma basis, approximately $56 billion of additional operational risk risk-weighted assets related to Citigroup’s approved exit from Basel III parallel reporting, effective in the second quarter of 2014.  See page 42 for a reconciliation of this measure to reported results.

(2)Citigroup’s estimated Basel III Supplementary Leverage ratio (SLR) and certain related components are non-GAAP financial measures.  See page 42 for additional information.

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

*Preliminary

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

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

1

CITIGROUP CONSOLIDATED STATEMENT OF INCOME (In millions of dollars)

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Revenues
Interest revenue	$	15,840		$	15,463		$	15,707		$	15,350		$	15,561		1	%	(2	)%	$	31,800		$	30,911		(3	)%
Interest expense	4,158			3,952			3,737			3,591			3,615			1	%	(13	)%	8,488			7,206			(15	)%
Net interest revenue	11,682			11,511			11,970			11,759			11,946			2	%	2	%	23,312			23,705			2	%
Commissions and fees	3,293			3,061			3,152			3,134			3,491			11	%	6	%	6,728			6,625			(2	)%
Principal transactions	2,684			1,149			965			2,888			1,843			(36	)%	(31	)%	5,188			4,731			(9	)%
Administrative and other fiduciary fees	1,083			968			970			1,009			1,029			2	%	(5	)%	2,151			2,038			(5	)%
Realized gains (losses) on investments	251			63			(16		)	128			84			(34	)%	(67	)%	701			212			(70	)%
Other-than-temporary impairment losses on investments and other assets	(162		)	(39		)	(73		)	(201		)	(37		)	82	%	77	%	(423		)	(238		)	44	%
Insurance premiums	582			556			552			595			488			(18	)%	(16	)%	1,172			1,083			(8	)%
Other revenue	1,075			635			259			812			498			(39	)%	(54	)%	1,907			1,310			(31	)%
Total non-interest revenues	8,806			6,393			5,809			8,365			7,396			(12	)%	(16	)%	17,424			15,761			(10	)%
Total revenues, net of interest expense	20,488			17,904			17,779			20,124			19,342			(4	)%	(6	)%	40,736			39,466			(3	)%
Provisions for Credit Losses and for Benefits and Claims
Net credit losses	2,608			2,430			2,547			2,439			2,189			(10	)%	(16	)%	5,486			4,628			(16	)%
Credit reserve build / (release)	(781		)	(778		)	(636		)	(646		)	(610		)	6	%	22	%	(1,445		)	(1,256		)	13	%
Provision for loan losses	1,827			1,652			1,911			1,793			1,579			(12	)%	(14	)%	4,041			3,372			(17	)%
Policyholder benefits and claims	200			204			195			208			182			(13	)%	(9	)%	431			390			(10	)%
Provision for unfunded lending commitments	(3		)	103			(34		)	(27		)	(31		)	(15	)%	NM		11			(58		)	NM
Total provisions for credit losses and for benefits and claims	2,024			1,959			2,072			1,974			1,730			(12	)%	(15	)%	4,483			3,704			(17	)%
Operating Expenses
Compensation and benefits	6,075			5,828			5,729			6,010			6,028			—		(1	)%	12,410			12,038			(3	)%
Premises and Equipment	762			763			796			805			819			2	%	7	%	1,606			1,624			1	%
Technology / communication expense	1,486			1,568			1,552			1,530			1,619			6	%	9	%	3,016			3,149			4	%
Advertising and marketing expense	480			458			501			458			460			—		(4	)%	929			918			(1	)%
Other operating	3,346			3,062			3,714			3,346			6,595			97	%	97	%	6,476			9,941			54	%
Total operating expenses	12,149			11,679			12,292			12,149			15,521			28	%	28	%	24,437			27,670			13	%
Income from Continuing Operations before Income Taxes	6,315			4,266			3,415			6,001			2,091			(65	)%	(67	)%	11,816			8,092			(32	)%
Provision (benefits) for income taxes	2,127			1,080			1,090			2,050			1,838			(10	)%	(14	)%	3,697			3,888			5	%
Income from Continuing Operations	4,188			3,186			2,325			3,951			253			(94	)%	(94	)%	8,119			4,204			(48	)%
Discontinued Operations (1)
Income (Loss) from Discontinued Operations	51			33			(223		)	40			(3		)	NM		NM		(52		)	37			NM
Gain (Loss) on Sale	—			6			206			—			—			—		—		56			—			(100	)%
Provision (benefits) for income taxes	21			(53		)	(198		)	3			19			NM		(10	)%	7			22			NM
Income (Loss) from Discontinued Operations, net of taxes	30			92			181			37			(22		)	NM		NM		(3		)	15			NM
Net Income before Noncontrolling Interests	4,218			3,278			2,506			3,988			231			(94	)%	(95	)%	8,116			4,219			(48	)%
Net Income attributable to noncontrolling interests	36			51			50			45			50			11	%	39	%	126			95			(25	)%
Citigroup’s Net Income	$	4,182		$	3,227		$	2,456		$	3,943		$	181		(95	)%	(96	)%	$	7,990		$	4,124		(48	)%

(1)Discontinued operations primarily reflect the following:

a)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.

b)In the third quarter of 2013, residual tax release amounts related to the sale of Citi’s German consumer branch business (German consumer business).

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

d)In the first quarter of 2014, residual amounts related to the sale of Credicard and the Egg credit card business (Egg).

e)In the second quarter of 2014, residual amounts related to the sale of Credicard, German consumer business and Egg.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

2

CITIGROUP CONSOLIDATED BALANCE SHEET (In millions of dollars)

																2Q14 Increase
	June 30,			September 30,			December 31,			March 31,			June 30,			(Decrease) from
	2013			2013			2013			2014			2014 (1)			1Q14		2Q13
Assets
Cash and due from banks (including segregated cash and other deposits)	$	31,145		$	32,810		$	29,885		$	33,380		$	35,268		6	%	13	%
Deposits with banks	158,028			172,659			169,005			171,020			153,817			(10	)%	(3	)%
Fed funds sold and securities borr’d or purch under agree. to resell	263,205			273,679			257,037			263,398			250,353			(5	)%	(5	)%
Brokerage receivables	33,484			24,976			25,674			32,484			41,864			29	%	25	%
Trading account assets	306,570			291,722			285,928			278,180			290,776			5	%	(5	)%
Investments
Available-for-sale and non-marketable equity securities	290,738			292,717			298,381			302,300			303,293			—		4	%
Held-to-maturity	9,602			10,808			10,599			10,600			22,330			NM		NM
Total Investments	300,340			303,525			308,980			312,900			325,623			4	%	8	%
Loans, net of unearned income
Consumer	382,152			387,822			393,831			384,661			384,345			—		1	%
Corporate	261,589			269,729			271,641			279,560			283,159			1	%	8	%
Loans, net of unearned income	643,741			657,551			665,472			664,221			667,504			—		4	%
Allowance for loan losses	(21,580		)	(20,605		)	(19,648		)	(18,923		)	(17,890		)	5	%	17	%
Total loans, net	622,161			636,946			645,824			645,298			649,614			1	%	4	%
Goodwill	24,896			25,098			25,009			25,008			25,087			—		1	%
Intangible assets (other than MSRs)	4,981			4,888			5,056			4,891			4,702			(4	)%	(6	)%
Mortgage servicing rights (MSRs)	2,524			2,580			2,718			2,586			2,282			(12	)%	(10	)%
Other assets	133,348			127,308			125,266			125,591			130,884			4	%	(2	)%
Assets related to discontinued operations held for sale	3,306			3,320			—			—			—			—		(100	)%
Total assets	$	1,883,988		$	1,899,511		$	1,880,382		$	1,894,736		$	1,910,270		1	%	1	%
Liabilities
Non-interest-bearing deposits in U.S. offices	$	124,141		$	130,273		$	128,399		$	135,632		$	138,659		2	%	12	%
Interest-bearing deposits in U.S. offices	270,687			266,322			284,164			280,549			281,029			—		4	%
Total U.S. Deposits	394,828			396,595			412,563			416,181			419,688			1	%	6	%
Non-interest-bearing deposits in offices outside the U.S.	63,793			66,028			69,406			69,263			74,300			7	%	16	%
Interest-bearing deposits in offices outside the U.S.	479,806			492,837			486,304			480,819			472,046			(2	)%	(2	)%
Total International Deposits	543,599			558,865			555,710			550,082			546,346			(1	)%	1	%
Total deposits	938,427			955,460			968,273			966,263			966,034			—		3	%
Fed funds purch and securities loaned or sold under agree. to repurch.	218,252			216,387			203,512			190,676			183,912			(4	)%	(16	)%
Brokerage payables	61,705			56,992			53,707			59,407			62,323			5	%	1	%
Trading account liabilities	123,022			122,048			108,762			124,040			123,370			(1	)%	—
Short-term borrowings	58,743			58,904			58,944			58,903			59,534			1	%	1	%
Long-term debt	220,959			221,593			221,116			222,747			226,984			2	%	3	%
Other liabilities (2)	62,992			63,349			59,935			62,458			75,014			20	%	19	%
Liabilities related to discontinued operations held for sale	2,062			2,039			—			—			—			—		(100	)%
Total liabilities	$	1,686,162		$	1,696,772		$	1,674,249		$	1,684,494		$	1,697,171		1	%	1	%
Equity
Stockholders’ equity
Preferred stock	$	4,293		$	5,243		$	6,738		$	7,218		$	8,968		24	%	NM
Common stock	31			31			31			31			31			—		—
Additional paid-in capital	106,876			107,030			107,193			107,505			107,669			—		1	%
Retained earnings	105,725			108,812			111,168			115,091			115,361			—		9	%
Treasury stock	(1,075		)	(1,472		)	(1,658		)	(2,237		)	(2,520		)	(13	)%	NM
Accumulated other comprehensive income (loss)	(19,924		)	(18,798		)	(19,133		)	(19,146		)	(18,147		)	5	%	9	%
Total common equity	$	191,633		$	195,603		$	197,601		$	201,244		$	202,394		1	%	6	%
Total Citigroup stockholders’ equity	$	195,926		$	200,846		$	204,339		$	208,462		$	211,362		1	%	8	%
Noncontrolling interests	1,900			1,893			1,794			1,780			1,737			(2	)%	(9	)%
Total equity	197,826			202,739			206,133			210,242			213,099			1	%	8	%
Total liabilities and equity	$	1,883,988		$	1,899,511		$	1,880,382		$	1,894,736		$	1,910,270		1	%	1	%

(1)Preliminary

(2)Includes allowance for credit losses for letters of credit and unfunded lending commitments.  See page 34 for amounts by period.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

3

CITIGROUP SEGMENT DETAIL NET REVENUES (In millions of dollars)

														2Q14 Increase				Six		Six			YTD 2014 vs.
	2Q		3Q			4Q			1Q		2Q			(Decrease) from				Months		Months			YTD 2013 Increase/
��	2013		2013			2013			2014		2014			1Q14		2Q13		2013		2014			(Decrease)
CITICORP
Global Consumer Banking
North America	$	5,053	$	4,739		$	4,874		$	4,783	$	4,782		—		(5	)%	$	10,163	$	9,565		(6	)%
EMEA	364		359			358			347		359			3	%	(1	)%	732		706			(4	)%
Latin America	2,333		2,272			2,403			2,268		2,324			2	%	—		4,641		4,592			(1	)%
Asia	1,968		1,862			1,834			1,895		1,916			1	%	(3	)%	3,928		3,811			(3	)%
Total	9,718		9,232			9,469			9,293		9,381			1	%	(3	)%	19,464		18,674			(4	)%
Institutional Clients Group
North America	3,245		2,439			2,212			3,558		3,146			(12	)%	(3	)%	6,822		6,704			(2	)%
EMEA	3,088		2,147			2,032			2,782		2,441			(12	)%	(21	)%	5,841		5,223			(11	)%
Latin America	1,223		1,095			1,151			1,102		1,150			4	%	(6	)%	2,446		2,252			(8	)%
Asia	2,004		1,691			1,649			1,792		1,726			(4	)%	(14	)%	4,042		3,518			(13	)%
Total	9,560		7,372			7,044			9,234		8,463			(8	)%	(11	)%	19,151		17,697			(8	)%
Corporate / Other	114		42			(41		)	141		35			(75	)%	(69	)%	120		176			47	%
Total Citicorp	19,392		16,646			16,472			18,668		17,879			(4	)%	(8	)%	38,735		36,547			(6	)%
Total Citi Holdings	1,096		1,258			1,307			1,456		1,463			—		33	%	2,001		2,919			46	%
Total Citigroup - Net Revenues	20,488		17,904			17,779			20,124		19,342			(4	)%	(6	)%	40,736		39,466			(3	)%
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}	477		(336		)	(164		)	7		(33		)	NM		NM		158		(26		)	NM
Total Citigroup - Net Revenues - Excluding CVA/DVA (2)	$	20,011	$	18,240		$	17,943		$	20,117	$	19,375		(4	)%	(3	)%	$	40,578	$	39,492		(3	)%

(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.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

4

CITIGROUP SEGMENT DETAIL INCOME (In millions of dollars)

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Income from Continuing Operations:
CITICORP
Global Consumer Banking
North America	$	1,084		$	894		$	858		$	1,020		$	1,077		6	%	(1	)%	$	2,158		$	2,097		(3	)%
EMEA	22			13			(1		)	15			15			—		(32	)%	23			30			30	%
Latin America	346			264			371			311			299			(4	)%	(14	)%	702			610			(13	)%
Asia	410			364			313			381			214			(44	)%	(48	)%	804			595			(26	)%
Total	1,862			1,535			1,541			1,727			1,605			(7	)%	(14	)%	3,687			3,332			(10	)%
Institutional Clients Group
North America	984			508			395			1,289			1,068			(17	)%	9	%	2,240			2,357			5	%
EMEA	1,003			374			401			779			557			(28	)%	(44	)%	1,657			1,336			(19	)%
Latin America	527			427			202			341			430			26	%	(18	)%	999			771			(23	)%
Asia	622			431			470			556			507			(9	)%	(18	)%	1,310			1,063			(19	)%
Total	3,136			1,740			1,468			2,965			2,562			(14	)%	(18	)%	6,206			5,527			(11	)%
Corporate / Other	(229		)	20			(256		)	(458		)	(432		)	6	%	(89	)%	(394		)	(890		)	NM
Total Citicorp	4,769			3,295			2,753			4,234			3,735			(12	)%	(22	)%	9,499			7,969			(16	)%
Total Citi Holdings	(581		)	(109		)	(428		)	(283		)	(3,482		)	NM		NM		(1,380		)	(3,765		)	NM
Income From Continuing Operations	4,188			3,186			2,325			3,951			253			(94	)%	(94	)%	8,119			4,204			(48	)%
Discontinued Operations	30			92			181			37			(22		)	NM		NM		(3		)	15			NM
Net Income Attributable to Noncontrolling Interests	36			51			50			45			50			11	%	39	%	126			95			(25	)%
Citigroup’s Net Income	$	4,182		$	3,227		$	2,456		$	3,943		$	181		(95	)%	(96	)%	$	7,990		$	4,124		(48	)%
CVA/DVA (after-tax) (1)	293			(208		)	(100		)	4			(20		)	NM		NM		95			(16		)	NM
Total Citigroup - Net Income - Excluding CVA/DVA (2)	$	3,889		$	3,435		$	2,556		$	3,939		$	201		(95	)%	(95	)%	$	7,895		$	4,140		(48	)%

(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.

NM  Not meaningful

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)

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Revenues
Net interest revenue	$	10,898		$	10,735		$	11,099		$	10,856		$	10,974		1	%	1	%	$	21,775		$	21,830		—
Non-interest revenue	8,494			5,911			5,373			7,812			6,905			(12	)%	(19	)%	16,960			14,717			(13	)%
Total revenues, net of interest expense	19,392			16,646			16,472			18,668			17,879			(4	)%	(8	)%	38,735			36,547			(6	)%
Provisions for Credit Losses and for Benefits and Claims
Net credit losses	1,838			1,795			1,812			1,920			1,790			(7	)%	(3	)%	3,786			3,710			(2	)%
Credit reserve build / (release)	(301		)	(104		)	(104		)	(305		)	(414		)	(36	)%	(38	)%	(618		)	(719		)	(16	)%
Provision for loan losses	1,537			1,691			1,708			1,615			1,376			(15	)%	(10	)%	3,168			2,991			(6	)%
Provision for benefits & claims	46			51			52			53			39			(26	)%	(15	)%	109			92			(16	)%
Provision for unfunded lending commitments	(10		)	108			(26		)	(23		)	(28		)	(22	)%	NM		8			(51		)	NM
Total provisions for credit losses and for benefits and claims	1,573			1,850			1,734			1,645			1,387			(16	)%	(12	)%	3,285			3,032			(8	)%
Total operating expenses	10,585			10,283			10,799			10,605			11,007			4	%	4	%	21,356			21,612			1	%
Income from Continuing Operations before Income Taxes	7,234			4,513			3,939			6,418			5,485			(15	)%	(24	)%	14,094			11,903			(16	)%
Provision for income taxes	2,465			1,218			1,186			2,184			1,750			(20	)%	(29	)%	4,595			3,934			(14	)%
Income from Continuing Operations	4,769			3,295			2,753			4,234			3,735			(12	)%	(22	)%	9,499			7,969			(16	)%
Income (loss) from Discontinued Operations, net of taxes	30			92			181			37			(22		)	NM		NM		(3		)	15			NM
Noncontrolling interests	35			45			46			44			50			14	%	43	%	120			94			(22	)%
Citicorp’s Net Income	$	4,764		$	3,342		$	2,888		$	4,227		$	3,663		(13	)%	(23	)%	$	9,376		$	7,890		(16	)%
Balance Sheet Data (in billions of dollars):
Total EOP Assets	$	1,753		$	1,778		$	1,763		$	1,781		$	1,799		1	%	3	%
Average Assets	$	1,756		$	1,735		$	1,769		$	1,773		$	1,791		1	%	2	%	$	1,745		$	1,782		2	%
Return on Average Assets	1.09		%	0.76		%	0.65		%	0.97		%	0.82		%					1.08		%	0.89		%
Efficiency Ratio (Operating Expenses/Total Revenues, net)	55		%	62		%	66		%	57		%	62		%					55		%	59.1		%
Total EOP Loans	$	544		$	561		$	573		$	575		$	585		2	%	8	%
Total EOP Deposits	$	874		$	914		$	932		$	937		$	947		1	%	8	%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

6

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

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Net Interest Revenue	$	7,067		$	7,100		$	7,315		$	7,056		$	7,182		2	%	2	%	$	14,233		$	14,238		—
Non-Interest Revenue	2,651			2,132			2,154			2,237			2,199			(2	)%	(17	)%	5,231			4,436			(15	)%
Total Revenues, Net of Interest Expense	9,718			9,232			9,469			9,293			9,381			1	%	(3	)%	19,464			18,674			(4	)%
Total Operating Expenses	5,285			5,189			5,361			5,190			5,461			5	%	3	%	10,637			10,651			—
Net Credit Losses	1,785			1,730			1,787			1,786			1,781			—		—		3,694			3,567			(3	)%
Credit Reserve Build / (Release)	(237		)	(85		)	(7		)	(218		)	(318		)	(46	)%	(34	)%	(577		)	(536		)	7	%
Provision for Unfunded Lending Commitments	9			15			(2		)	(3		)	(3		)	—		NM		24			(6		)	NM
Provision for Benefits & Claims	46			51			52			53			39			(26	)%	(15	)%	109			92			(16	)%
Provision for Loan Losses and for Benefits and Claims	1,603			1,711			1,830			1,618			1,499			(7	)%	(6	)%	3,250			3,117			(4	)%
Income from Continuing Operations before Taxes	2,830			2,332			2,278			2,485			2,421			(3	)%	(14	)%	5,577			4,906			(12	)%
Income Taxes	968			797			737			758			816			8	%	(16	)%	1,890			1,574			(17	)%
Income from Continuing Operations	1,862			1,535			1,541			1,727			1,605			(7	)%	(14	)%	3,687			3,332			(10	)%
Noncontrolling Interests	6			4			2			8			6			(25	)%	—		11			14			27	%
Net Income	$	1,856		$	1,531		$	1,539		$	1,719		$	1,599		(7	)%	(14	)%	$	3,676		$	3,318		(10	)%
Average Assets (in billions of dollars)	$	391		$	391		$	399		$	397		$	400		1	%	2	%	$	396		$	399		1	%
Return on Average Assets (ROA) (1)	1.90		%	1.55		%	1.53		%	1.76		%	1.60		%					1.88		%	1.68		%
Efficiency Ratio	54		%	56		%	57		%	56		%	58		%					55		%	57		%
Net Credit Losses as a % of Average Loans (1)	2.54		%	2.41		%	2.40		%	2.45		%	2.39		%					2.62		%	2.42		%
Revenue by Business
Retail Banking	$	4,542		$	3,928		$	3,939		$	4,017		$	4,069		1	%	(10	)%	$	9,074		$	8,086		(11	)%
Cards (2)	5,176			5,304			5,530			5,276			5,312			1	%	3	%	10,390			10,588			2	%
Total	$	9,718		$	9,232		$	9,469		$	9,293		$	9,381		1	%	(3	)%	$	19,464		$	18,674		(4	)%
Net Credit Losses by Business
Retail Banking	$	299		$	336		$	370		$	343		$	340		(1	)%	14	%	$	637		$	683		7	%
Cards (2)	1,486			1,394			1,417			1,443			1,441			—		(3	)%	3,057			2,884			(6	)%
Total	$	1,785		$	1,730		$	1,787		$	1,786		$	1,781		—		—		$	3,694		$	3,567		(3	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	665		$	257		$	318		$	436		$	362		(17	)%	(46	)%	$	1,332		$	798		(40	)%
Cards (2)	1,197			1,278			1,223			1,291			1,243			(4	)%	4	%	2,355			2,534			8	%
Total	$	1,862		$	1,535		$	1,541		$	1,727		$	1,605		(7	)%	(14	)%	$	3,687		$	3,332		(10	)%
FX Translation Impact:
Total Revenue - as Reported	$	9,718		$	9,232		$	9,469		$	9,293		$	9,381		1	%	(3	)%	$	19,464		$	18,674		(4	)%
Impact of FX Translation (3)	(99		)	20			3			74			—							(346		)	—
Total Revenues - Ex-FX (4)	$	9,619		$	9,252		$	9,472		$	9,367		$	9,381		—		(2	)%	$	19,118		$	18,674		(2	)%
Total Operating Expenses - as Reported	$	5,285		$	5,189		$	5,361		$	5,190		$	5,461		5	%	3	%	$	10,637		$	10,651		—
Impact of FX Translation (3)	(45		)	11			4			43			—							(186		)	—
Total Operating Expenses - Ex-FX (4)	$	5,240		$	5,200		$	5,365		$	5,233		$	5,461		4	%	4	%	$	10,451		$	10,651		2	%
Total Provisions for LLR & PBC - as Reported	$	1,603		$	1,711		$	1,830		$	1,618		$	1,499		(7	)%	(6	)%	$	3,250		$	3,117		(4	)%
Impact of FX Translation (3)	(13		)	10			5			19			—							(65		)	—
Total Provisions for LLR & PBC - Ex-FX (4)	$	1,590		$	1,721		$	1,835		$	1,637		$	1,499		(8	)%	(6	)%	$	3,185		$	3,117		(2	)%
Net Income - as Reported	$	1,856		$	1,531		$	1,539		$	1,719		$	1,599		(7	)%	(14	)%	$	3,676		$	3,318		(10	)%
Impact of FX Translation (3)	(28		)	(19		)	—			4			—							(58		)	—
Net Income - Ex-FX (4)	$	1,828		$	1,512		$	1,539		$	1,723		$	1,599		(7	)%	(13	)%	$	3,618		$	3,318		(8	)%

(1)   Under U.S. GAAP, historival balance sheet information is not restated to reflect discontinued operations.  Since the numerator portion of the ratio caclulation excludes (under I.S GAAP) the Brazil Creditcard discontinued operations, the averages used in the calculation have been adjusted to exclude Brazil Credicard discontinued operations.  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.

(2)   Includes both Citi-Branded Cards and Citi Retail Services.

(3)   Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2014 exchange rates for all periods presented.

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

7

CITICORP GLOBAL CONSUMER BANKING Page 2

																2Q14 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2013			2013			2013			2014			2014			1Q14		2Q13
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	3,816			3,777			3,729			3,601			3,463			(4	)%	(9	)%
Accounts (in millions)	64.9			64.7			64.4			64.2			64.4			—		(1	)%
Average Deposits	$	325.5		$	323.7		$	328.8		$	330.4		$	334.9		1	%	3	%
Investment Sales	$	28.0		$	23.7		$	23.4		$	27.2		$	27.0		(1	)%	(4	)%
Investment AUMs	$	156.3		$	161.1		$	166.4		$	168.9		$	177.2		5	%	13	%
Average Loans	$	144.7		$	146.9		$	150.8		$	152.1		$	156.9		3	%	8	%
EOP Loans:
Real Estate Lending	$	73.8		$	76.4		$	78.0		$	79.5		$	81.8		3	%	11	%
Commercial Markets	40.6			41.0			41.9			42.6			43.4			2	%	7	%
Personal and Other	30.5			30.6			31.7			32.3			33.4			3	%	10	%
EOP Loans	$	144.9		$	148.0		$	151.6		$	154.4		$	158.6		3	%	9	%
Net Interest Revenue (in millions) (1)	$	2,644		$	2,552		$	2,554		$	2,454		$	2,549		4	%	(4	)%
As a % of Average Loans	7.33		%	6.89		%	6.72		%	6.54		%	6.52		%
Net Credit Losses (in millions)	$	299		$	336		$	370		$	343		$	340		(1	)%	14	%
As a % of Average Loans	0.83		%	0.91		%	0.97		%	0.91		%	0.87		%
Loans 90+ Days Past Due (in millions) (2)	$	849		$	872		$	952		$	992		$	1,015		2	%	20	%
As a % of EOP Loans	0.59		%	0.59		%	0.63		%	0.65		%	0.64		%
Loans 30-89 Days Past Due (in millions) (2)	$	1,085		$	1,109		$	1,049		$	991		$	1,032		4	%	(5	)%
As a % of EOP Loans	0.76		%	0.76		%	0.70		%	0.65		%	0.66		%
Cards Key Indicators (in millions of dollars, except as otherwise noted) (3) (4)
EOP Open Accounts	128.3			141.8			141.8			139.8			140.3			—		9	%
Purchase Sales (in billions)	$	91.2		$	90.2		$	99.3		$	85.4		$	95.1		11	%	4	%
Average Loans (in billions) (5)	$	137.5		$	138.3		$	145.1		$	143.7		$	142.0		(1	)%	3	%
EOP Loans (in billions) (5)	$	138.5		$	144.7		$	150.4		$	141.8		$	143.9		1	%	4	%
Average Yield (6)	13.62		%	13.87		%	13.39		%	13.51		%	13.56		%
Net Interest Revenue (7)	$	4,423		$	4,548		$	4,761		$	4,602		$	4,633		1	%	5	%
As a % of Average Loans (7)	12.90		%	13.05		%	13.02		%	12.99		%	13.09		%
Net Credit Losses	$	1,486		$	1,394		$	1,417		$	1,443		$	1,441		—		(3	)%
As a % of Average Loans	4.33		%	4.00		%	3.87		%	4.07		%	4.07		%
Net Credit Margin (8)	$	3,678		$	3,892		$	4,097		$	3,825		$	3,861		1	%	5	%
As a % of Average Loans (8)	10.73		%	11.16		%	11.20		%	10.80		%	10.91		%
Loans 90+ Days Past Due	$	1,795		$	1,827		$	2,021		$	1,916		$	1,790		(7	)%	—
As a % of EOP Loans	1.30		%	1.26		%	1.34		%	1.35		%	1.24		%
Loans 30-89 Days Past Due	$	1,882		$	2,106		$	2,171		$	2,024		$	1,940		(4	)%	3	%
As a % of EOP Loans	1.36		%	1.46		%	1.44		%	1.43		%	1.35		%

(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.

(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)

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Net Interest Revenue	$	4,065		$	4,136		$	4,306		$	4,186		$	4,210		1	%	4	%	$	8,216		$	8,396		2	%
Non-Interest Revenue	988			603			568			597			572			(4	)%	(42	)%	1,947			1,169			(40	)%
Total Revenues, Net of Interest Expense	5,053			4,739			4,874			4,783			4,782			—		(5	)%	10,163			9,565			(6	)%
Total Operating Expenses	2,450			2,423			2,482			2,431			2,342			(4	)%	(4	)%	4,945			4,773			(3	)%
Net Credit Losses	1,190			1,083			1,106			1,103			1,070			(3	)%	(10	)%	2,445			2,173			(11	)%
Credit Reserve Build / (Release)	(351		)	(228		)	(87		)	(271		)	(397		)	(46	)%	(13	)%	(721		)	(668		)	7	%
Provision for Unfunded Lending Commitments	—			3			3			2			1			(50	)%	100	%	—			3			NM
Provision for Benefits & Claims	13			17			16			6			12			100	%	(8	)%	27			18			(33	)%
Provision for Loan Losses and for Benefits and Claims	852			875			1,038			840			686			(18	)%	(19	)%	1,751			1,526			(13	)%
Income from Continuing Operations before Taxes	1,751			1,441			1,354			1,512			1,754			16	%	—		3,467			3,266			(6	)%
Income Taxes (benefits)	667			547			496			492			677			38	%	1	%	1,309			1,169			(11	)%
Income from Continuing Operations	1,084			894			858			1,020			1,077			6	%	(1	)%	2,158			2,097			(3	)%
Noncontrolling Interests	1			—			1			1			(1		)	NM		NM		1			—			(100	)%
Net Income	$	1,083		$	894		$	857		$	1,019		$	1,078		6	%	—		$	2,157		$	2,097		(3	)%
Average Assets (in billions of dollars)	$	172		$	173		$	178		$	178		$	176		(1	)%	2	%	$	174		$	177		2	%
Return on Average Assets	2.53		%	2.05		%	1.91		%	2.32		%	2.46		%					2.50		%	2.39		%
Efficiency Ratio	48		%	51		%	51		%	51		%	49		%					49		%	50		%
Net Credit Losses as a % of Average Loans	3.29		%	2.88		%	2.82		%	2.87		%	2.78		%					3.34		%	2.82		%
Revenue by Business
Retail Banking	$	1,592		$	1,124		$	1,087		$	1,139		$	1,173		3	%	(26	)%	$	3,165		$	2,312		(27	)%
Citi-Branded Cards	1,978			2,087			2,120			2,019			2,028			—		3	%	4,004			4,047			1	%
Citi Retail Services	1,483			1,528			1,667			1,625			1,581			(3	)%	7	%	2,994			3,206			7	%
Total	$	5,053		$	4,739		$	4,874		$	4,783		$	4,782		—		(5	)%	$	10,163		$	9,565		(6	)%
Net Credit Losses by Business
Retail Banking	$	44		$	38		$	47		$	35		$	35		—		(20	)%	$	99		$	70		(29	)%
Citi-Branded Cards	665			610			588			587			570			(3	)%	(14	)%	1,357			1,157			(15	)%
Citi Retail Services	481			435			471			481			465			(3	)%	(3	)%	989			946			(4	)%
Total	$	1,190		$	1,083		$	1,106		$	1,103		$	1,070		(3	)%	(10	)%	$	2,445		$	2,173		(11	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	257		$	(37	)	$	(21	)	$	17		$	89		NM		(65	)%	$	469		$	106		(77	)%
Citi-Branded Cards	440			548			522			566			558			(1	)%	27	%	872			1,124			29	%
Citi Retail Services	387			383			357			437			430			(2	)%	11	%	817			867			6	%
Total	$	1,084		$	894		$	858		$	1,020		$	1,077		6	%	(1	)%	$	2,158		$	2,097		(3	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

9

CITICORP GLOBAL CONSUMER BANKING NORTH AMERICA Page 2

																2Q14 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2013			2013			2013			2014			2014			1Q14		2Q13
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	983			983			983			962			912			(5	)%	(7	)%
Accounts (in millions)	12.0			12.1			12.0			12.1			12.0			(1	)%	—
Investment Sales	$	3.9		$	3.1		$	3.3		$	3.9		$	3.8		(3	)%	(3	)%
Investment AUMs	$	31.4		$	32.3		$	33.8		$	34.6		$	35.9		4	%	14	%
Average Deposits	$	165.1		$	166.5		$	168.6		$	170.7		$	171.0		—		4	%
Average Loans	$	41.0		$	42.9		$	43.8		$	44.8		$	45.6		2	%	11	%
EOP Loans:
Real Estate Lending	$	32.2		$	33.6		$	34.3		$	35.1		$	36.4		4	%	13	%
Commercial Markets	8.4			8.5			8.7			8.7			8.5			(2	)%	1	%
Personal and Other	1.1			1.1			1.1			1.2			1.3			8	%	18	%
Total EOP Loans	$	41.7		$	43.2		$	44.1		$	45.0		$	46.2		3	%	11	%
Mortgage Originations	$	17.2		$	14.5		$	8.3		$	5.2		$	6.2		19	%	(64	)%
Third Party Mortgage Servicing Portfolio (EOP)	$	177.9		$	180.3		$	180.6		$	178.8		$	175.9		(2	)%	(1	)%
Net Servicing & Gain/(Loss) on Sale (in millions)	$	588.5		$	167.0		$	142.9		$	127.7		$	133.9		5	%	(77	)%
Saleable Mortgage Rate Locks	$	13.0		$	7.1		$	4.5		$	3.6		$	4.2		17	%	(68	)%
Net Interest Revenue on Loans (in millions)	$	242		$	232		$	234		$	244		$	261		7	%	8	%
As a % of Avg. Loans	2.37		%	2.15		%	2.12		%	2.21		%	2.30		%
Net Credit Losses (in millions)	$	44		$	38		$	47		$	35		$	35		—		(20	)%
As a % of Avg. Loans	0.43		%	0.35		%	0.43		%	0.32		%	0.31		%
Loans 90+ Days Past Due (in millions) (1)	$	285		$	277		$	257		$	243		$	227		(7	)%	(20	)%
As a % of EOP Loans	0.71		%	0.66		%	0.60		%	0.55		%	0.50		%
Loans 30-89 Days Past Due (in millions) (1)	$	217		$	209		$	205		$	177		$	203		15	%	(6	)%
As a % of EOP Loans	0.54		%	0.50		%	0.48		%	0.40		%	0.45		%

(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 $728 million and ($1.3 billion), $733 million and ($1.3 billion), $690 million and ($1.2 billion), $679 million and ($1.2 billion) and $668 million and ($1.2 billion) as of June 30, 2013, September 30, 2013, December 31, 2013, March 31, 2014 and June 30, 2014, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) were $144 million and ($1.3 billion), $146 million and ($1.3 billion), $141 million and ($1.2 billion), $122 million and ($1.2 billion) and $125 million and ($1.2 billion), as of June 30, 2013, September 30, 2013, December 31, 2013, March 31, 2014 and June 30, 2014, respectively.

Reclassified to conform to the current period’s presentation.

10

CITICORP GLOBAL CONSUMER BANKING NORTH AMERICA Page 3

																2Q14 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2013			2013			2013			2014			2014			1Q14		2Q13
Citi-Branded Cards Key Indicators (in millions of dollars, except as otherwise noted) (1)
EOP Open Accounts (in millions)	23.6			23.8			23.9			24.0			24.1			—		2	%
Purchase Sales (in billions)	$	41.9		$	41.7		$	43.4		$	39.6		$	43.9		11	%	5	%
Average Loans (in billions) (1)	$	68.4		$	68.4		$	68.2		$	67.5		$	66.4		(2	)%	(3	)%
EOP Loans (in billions) (1)	$	69.3		$	68.8		$	70.5		$	66.8		$	67.3		1	%	(3	)%
Average Yield (2)	10.11		%	10.22		%	10.33		%	10.39		%	10.31		%
Net Interest Revenue (3)	$	1,645		$	1,690		$	1,708		$	1,649		$	1,635		(1	)%	(1	)%
As a % of Avg. Loans (3)	9.65		%	9.80		%	9.94		%	9.91		%	9.88		%
Net Credit Losses	$	665		$	610		$	588		$	587		$	570		(3	)%	(14	)%
As a % of Average Loans	3.90		%	3.54		%	3.42		%	3.53		%	3.44		%
Net Credit Margin (4)	$	1,310		$	1,470		$	1,527		$	1,427		$	1,453		2	%	11	%
As a % of Avg. Loans (4)	7.68		%	8.53		%	8.88		%	8.57		%	8.78		%
Loans 90+ Days Past Due	$	663		$	628		$	681		$	648		$	583		(10	)%	(12	)%
As a % of EOP Loans	0.96		%	0.91		%	0.97		%	0.97		%	0.87		%
Loans 30-89 Days Past Due	$	588		$	650		$	661		$	599		$	540		(10	)%	(8	)%
As a % of EOP Loans	0.85		%	0.94		%	0.94		%	0.90		%	0.80		%
Citi Retail Services Key Indicators (in millions of dollars, except as otherwise noted) (1) (5)
EOP Open Accounts	76.1			89.7			90.0			88.2			88.8			1	%	17	%
Purchase Sales (in billions)	$	18.3		$	18.1		$	23.3		$	16.7		$	20.4		22	%	11	%
Average Loans (in billions) (1)	$	35.8		$	37.8		$	43.6		$	43.6		$	42.4		(3	)%	18	%
EOP Loans (in billions) (1)	$	36.0		$	43.0		$	46.3		$	42.3		$	43.1		2	%	20	%
Average Yield (2)	17.89		%	17.33		%	16.34		%	16.63		%	16.89		%
Net Interest Revenue (3)	$	1,587		$	1,682		$	1,860		$	1,819		$	1,810		—		14	%
As a % of Avg. Loans (3)	17.78		%	17.65		%	16.93		%	16.92		%	17.12		%
Net Credit Losses	$	481		$	435		$	471		$	481		$	465		(3	)%	(3	)%
As a % of Average Loans	5.39		%	4.57		%	4.29		%	4.47		%	4.40		%
Net Credit Margin (4)	$	993		$	1,082		$	1,185		$	1,141		$	1,111		(3	)%	12	%
As a % of Avg. Loans (4)	11.13		%	11.36		%	10.78		%	10.61		%	10.51		%
Loans 90+ Days Past Due	$	556		$	650		$	771		$	689		$	606		(12	)%	9	%
As a % of EOP Loans	1.54		%	1.51		%	1.67		%	1.63		%	1.41		%
Loans 30-89 Days Past Due	$	615		$	799		$	830		$	725		$	683		(6	)%	11	%
As a % of EOP Loans	1.71		%	1.86		%	1.79		%	1.71		%	1.58		%

(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)

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Net Interest Revenue	$	237		$	226		$	239		$	231		$	233		1	%	(2	)%	$	483		$	464		(4	)%
Non-Interest Revenue	127			133			119			116			126			9	%	(1	)%	249			242			(3	)%
Total Revenues, Net of Interest Expense	364			359			358			347			359			3	%	(1	)%	732			706			(4	)%
Total Operating Expenses	342			315			349			315			313			(1	)%	(8	)%	695			628			(10	)%
Net Credit Losses	(1		)	21			19			11			20			82	%	NM		28			31			11	%
Credit Reserve Build / (Release)	(9		)	3			(1		)	—			3			NM		NM		(20		)	3			NM
Provision for Unfunded Lending Commitments	(1		)	—			—			—			1			100	%	NM		—			1			100	%
Provision for Benefits & Claims	—			—			—			—			—			—		—		—			—			—
Provision for Loan Losses and for Benefits and Claims (LLR & PBC)	(11		)	24			18			11			24			NM		NM		8			35			NM
Income (loss) from Continuing Operations before Taxes	33			20			(9		)	21			22			5	%	(33	)%	29			43			48	%
Income Taxes (benefits)	11			7			(8		)	6			7			17	%	(36	)%	6			13			NM
Income from Continuing Operations	22			13			(1		)	15			15			—		(32	)%	23			30			30	%
Noncontrolling Interests	5			3			—			5			5			—		—		8			10			25	%
Net Income	$	17		$	10		$	(1	)	$	10		$	10		—		(41	)%	$	15		$	20		33	%
Average Assets (in billions of dollars)	$	10		$	9		$	9		$	9		$	10		11	%	—		$	10		$	10		—
Return on Average Assets	0.68		%	0.44		%	(0.04		)%	0.45		%	0.40		%					0.30		%	0.40		%
Efficiency Ratio	94		%	88		%	97		%	91		%	87		%					95		%	89		%
Net Credit Losses as a % of Average Loans	(0.05		)%	1.08		%	0.94		%	0.57		%	0.97		%					0.70		%	0.77		%
Revenue by Business
Retail Banking	$	214		$	219		$	220		$	214		$	224		5	%	5	%	$	429		$	438		2	%
Citi-Branded Cards	150			140			138			133			135			2	%	(10	)%	303			268			(12	)%
Total	$	364		$	359		$	358		$	347		$	359		3	%	(1	)%	$	732		$	706		(4	)%
Net Credit Losses by Business
Retail Banking	$	(2	)	$	11		$	8		$	2		$	8		NM		NM		$	7		$	10		43	%
Citi-Branded Cards	1			10			11			9			12			33	%	NM		21			21			—
Total	$	(1	)	$	21		$	19		$	11		$	20		82	%	NM		$	28		$	31		11	%
Income (loss) from Continuing Operations by Business
Retail Banking	$	(5	)	$	(7	)	$	(17	)	$	(7	)	$	7		NM		NM		$	(18	)	$	—		100	%
Citi-Branded Cards	27			20			16			22			8			(64	)%	(70	)%	41			30			(27	)%
Total	$	22		$	13		$	(1	)	$	15		$	15		—		(32	)%	$	23		$	30		30	%
FX Translation Impact:
Total Revenue - as Reported	$	364		$	359		$	358		$	347		$	359		3	%	(1	)%	$	732		$	706		(4	)%
Impact of FX Translation (1)	(2		)	(1		)	(6		)	3			—							(15		)	—
Total Revenues - Ex-FX (2)	$	362		$	358		$	352		$	350		$	359		3	%	(1	)%	$	717		$	706		(2	)%
Total Operating Expenses - as Reported	$	342		$	315		$	349		$	315		$	313		(1	)%	(8	)%	$	695		$	628		(10	)%
Impact of FX Translation (1)	—			1			(4		)	4			—							(11		)	—
Total Operating Expenses - Ex-FX (2)	$	342		$	316		$	345		$	319		$	313		(2	)%	(8	)%	$	684		$	628		(8	)%
Provisions for LLR & PBC - as Reported	$	(11	)	$	24		$	18		$	11		$	24		NM		NM		$	8		$	35		NM
Impact of FX Translation (1)	—			(1		)	—			1			—							(3		)	—
Provisions for LLR & PBC - Ex-FX (2)	$	(11	)	$	23		$	18		$	12		$	24		100	%	NM		$	5		$	35		NM
Net Income - as Reported	$	17		$	10		$	(1	)	$	10		$	10		—		(41	)%	$	15		$	20		33	%
Impact of FX Translation (1)	—			—			(1		)	(1		)	—							3			—
Net Income - Ex-FX (2)	$	17		$	10		$	(2	)	$	9		$	10		11	%	(41	)%	$	18		$	20		11	%

(1)Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2014 exchange rates for all periods presented.

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

12

CITICORP GLOBAL CONSUMER BANKING EMEA - PAGE 2

																2Q14 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2013			2013			2013			2014			2014			1Q14		2Q13
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	222			201			172			161			159			(1	)%	(28	)%
Accounts (in millions)	3.8			3.6			3.4			3.3			3.3			—		(13	)%
Average Deposits	$	13.0		$	12.0		$	12.5		$	12.9		$	13.5		5	%	4	%
Investment Sales	$	1.0		$	0.7		$	0.9		$	1.0		$	1.1		10	%	10	%
Investment AUMs	$	6.2		$	6.2		$	6.5		$	7.0		$	7.4		6	%	19	%
Average Loans	$	5.3		$	5.6		$	5.6		$	5.5		$	5.9		7	%	11	%
EOP Loans:
Real Estate Lending	$	0.3		$	0.4		$	0.4		$	0.4		$	0.4		—		33	%
Commercial Markets	2.3			2.6			2.6			2.8			2.9			4	%	26	%
Personal and Other	2.7			2.5			2.6			2.6			2.7			4	%	—
Total EOP Loans	$	5.3		$	5.5		$	5.6		$	5.8		$	6.0		3	%	13	%
Net Interest Revenue (in millions) (1)	$	130		$	124		$	135		$	129		$	128		(1	)%	(2	)%
As a % of Average Loans (1)	9.84		%	8.78		%	9.56		%	9.51		%	8.70		%
Net Credit Losses (in millions)	$	(2	)	$	11		$	8		$	2		$	8		NM		NM
As a % of Average Loans	(0.15		)%	0.78		%	0.57		%	0.15		%	0.54		%
Loans 90+ Days Past Due (in millions)	$	41		$	38		$	34		$	27		$	26		(4	)%	(37	)%
As a % of EOP Loans	0.77		%	0.69		%	0.61		%	0.47		%	0.43		%
Loans 30-89 Days Past Due (in millions)	$	68		$	57		$	51		$	52		$	50		(4	)%	(26	)%
As a % of EOP Loans	1.28		%	1.04		%	0.91		%	0.90		%	0.83		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)	2.8			2.2			2.1			2.1			2.1			—		(25	)%
Purchase Sales (in billions)	$	3.0		$	2.5		$	2.6		$	2.4		$	2.6		8	%	(13	)%
Average Loans (2)	$	2.8		$	2.1		$	2.4		$	2.3		$	2.4		4	%	(14	)%
EOP Loans (2)	$	2.8		$	2.4		$	2.4		$	2.4		$	2.5		4	%	(11	)%
Average Yield (3)	18.42		%	20.96		%	18.86		%	18.81		%	18.43		%	(2	)%	—
Net Interest Revenue (in millions) (4)	$	107		$	102		$	104		$	102		$	105		3	%	(2	)%
As a % of Avg. Loans (4)	15.33		%	19.27		%	17.19		%	17.99		%	17.55		%
Net Credit Losses (in millions)	$	1		$	10		$	11		$	9		$	12		33	%	NM
As a % of Average Loans	0.14		%	1.89		%	1.82		%	1.59		%	2.01		%
Net Credit Margin (in millions) (5)	$	149		$	130		$	127		$	124		$	123		(1	)%	(17	)%
As a % of Avg. Loans (5)	21.34		%	24.56		%	20.99		%	21.86		%	20.56		%
Loans 90+ Days Past Due (in millions)	$	44		$	34		$	32		$	31		$	31		—		(30	)%
As a % of EOP Loans	1.57		%	1.42		%	1.33		%	1.29		%	1.24		%
Loans 30-89 Days Past Due (in millions)	$	57		$	44		$	42		$	39		$	40		3	%	(30	)%
As a % of EOP Loans	2.04		%	1.83		%	1.75		%	1.63		%	1.60		%

(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)

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Net Interest Revenue	$	1,575		$	1,575		$	1,594		$	1,505		$	1,571		4	%	—		$	3,117		$	3,076		(1	)%
Non-Interest Revenue	758			697			809			763			753			(1	)%	(1	)%	1,524			1,516			(1	)%
Total Revenues, Net of Interest Expense	2,333			2,272			2,403			2,268			2,324			2	%	—		4,641			4,592			(1	)%
Total Operating Expenses	1,351			1,319			1,381			1,314			1,360			4	%	1	%	2,692			2,674			(1	)%
Net Credit Losses	416			434			458			469			493			5	%	19	%	835			962			15	%
Credit Reserve Build / (Release)	104			168			66			56			111			98	%	7	%	142			167			18	%
Provision for Unfunded Lending Commitments	—			—			—			(1		)	1			NM		100	%	—			—			—
Provision for Benefits & Claims	33			34			36			47			27			(43	)%	(18	)%	82			74			(10	)%
Provision for Loan Losses and for Benefits and Claims (LLR & PBC)	553			636			560			571			632			11	%	14	%	1,059			1,203			14	%
Income from Continuing Operations before Taxes	429			317			462			383			332			(13	)%	(23	)%	890			715			(20	)%
Income Taxes	83			53			91			72			33			(54	)%	(60	)%	188			105			(44	)%
Income from Continuing Operations	346			264			371			311			299			(4	)%	(14	)%	702			610			(13	)%
Noncontrolling Interests	—			1			1			2			2			—		NM		2			4			100	%
Net Income	$	346		$	263		$	370		$	309		$	297		(4	)%	(14	)%	$	700		$	606		(13	)%
Average Assets (in billions of dollars)	$	80		$	80		$	81		$	80		$	81		1	%	1	%	$	83		$	81		(2	)%
Return on Average Assets (1)	1.73		%	1.30		%	1.81		%	1.57		%	1.47		%					1.72		%	1.51		%
Efficiency Ratio	58		%	58		%	57		%	58		%	59		%					58		%	58		%
Net Credit Losses as a % of Average Loans (1)	4.06		%	4.22		%	4.33		%	4.58		%	4.65		%					4.14		%	4.62		%
Revenue by Business
Retail Banking	$	1,544		$	1,483		$	1,562		$	1,498		$	1,511		1	%	(2	)%	$	3,088		$	3,009		(3	)%
Citi-Branded Cards	789			789			841			770			813			6	%	3	%	1,553			1,583			2	%
Total	$	2,333		$	2,272		$	2,403		$	2,268		$	2,324		2	%	—		$	4,641		$	4,592		(1	)%
Net Credit Losses by Business
Retail Banking	$	204		$	209		$	224		$	215		$	222		3	%	9	%	$	411		$	437		6	%
Citi-Branded Cards	212			225			234			254			271			7	%	28	%	424			525			24	%
Total	$	416		$	434		$	458		$	469		$	493		5	%	19	%	$	835		$	962		15	%
Income (loss) from Continuing Operations by Business
Retail Banking	$	190		$	123		$	211		$	205		$	208		1	%	9	%	$	418		$	413		(1	)%
Citi-Branded Cards	156			141			160			106			91			(14	)%	(42	)%	284			197			(31	)%
Total	$	346		$	264		$	371		$	311		$	299		(4	)%	(14	)%	$	702		$	610		(13	)%
FX Translation Impact:
Total Revenue - as Reported	$	2,333		$	2,272		$	2,403		$	2,268		$	2,324		2	%	—		$	4,641		$	4,592		(1	)%
Impact of FX Translation (2)	(80		)	(3		)	(5		)	39			—							(225		)	—
Total Revenues - Ex-FX (3)	$	2,253		$	2,269		$	2,398		$	2,307		$	2,324		1	%	3	%	$	4,416		$	4,592		4	%
Total Operating Expenses - as Reported	$	1,351		$	1,319		$	1,381		$	1,314		$	1,360		4	%	1	%	$	2,692		$	2,674		(1	)%
Impact of FX Translation (2)	(43		)	(4		)	(1		)	21			—							(128		)	—
Total Operating Expenses - Ex-FX (3)	$	1,308		$	1,315		$	1,380		$	1,335		$	1,360		2	%	4	%	$	2,564		$	2,674		4	%
Provisions for LLR & PBC - as Reported	$	553		$	636		$	560		$	571		$	632		11	%	14	%	$	1,059		$	1,203		14	%
Impact of FX Translation (2)	(14		)	5			1			12			—							(49		)	—
Provisions for LLR & PBC - Ex-FX (3)	$	539		$	641		$	561		$	583		$	632		8	%	17	%	$	1,010		$	1,203		19	%
Net Income - as Reported	$	346		$	263		$	370		$	309		$	297		(4	)%	(14	)%	$	700		$	606		(13	)%
Impact of FX Translation (1)	(18		)	(22		)	(1		)	—			—							(35		)	—
Net Income - Ex-FX (2)	$	328		$	241		$	369		$	309		$	297		(4	)%	(9	)%	$	665		$	606		(9	)%

(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.

(2)Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2014 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

																2Q14 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2013			2013			2013			2014			2014			1Q14		2Q13
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	2,040			2,031			2,021			1,940			1,921			(1	)%	(6	)%
Accounts (in millions)	32.2			32.0			32.2			31.9			32.2			1	%	—
Average Deposits	$	45.1		$	45.0		$	46.7		$	45.8		$	47.1		3	%	4	%
Investment Sales	$	11.8		$	11.3		$	10.8		$	12.0		$	13.0		8	%	10	%
Investment AUMs	$	67.3		$	67.9		$	71.6		$	71.2		$	75.6		6	%	12	%
Average Loans	$	29.6		$	29.2		$	29.9		$	29.8		$	30.6		3	%	3	%
EOP Loans:
Real Estate Lending	$	5.7		$	5.4		$	5.7		$	5.9		$	5.8		(2	)%	2	%
Commercial Markets	12.8			12.5			13.4			13.2			13.5			2	%	5	%
Personal and Other	10.9			11.1			11.2			11.1			11.5			4	%	6	%
Total EOP Loans	$	29.4		$	29.0		$	30.3		$	30.2		$	30.8		2	%	5	%
Net Interest Revenue (in millions) (1)	$	973		$	973		$	985		$	931		$	957		3	%	(2	)%
As a % of Average Loans (1)	13.18		%	13.22		%	13.07		%	12.67		%	12.54		%
Net Credit Losses (in millions)	$	204		$	209		$	224		$	215		$	222		3	%	9	%
As a % of Average Loans	2.76		%	2.84		%	2.97		%	2.93		%	2.91		%
Loans 90+ Days Past Due (in millions)	$	318		$	347		$	470		$	528		$	552		5	%	74	%
As a % of EOP Loans	1.08		%	1.20		%	1.55		%	1.75		%	1.79		%
Loans 30-89 Days Past Due (in millions)	$	368		$	445		$	395		$	370		$	373		1	%	1	%
As a % of EOP Loans	1.25		%	1.53		%	1.30		%	1.23		%	1.21		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted) (2)
EOP Open Accounts (in millions)	9.4			9.5			9.2			9.1			9.0			(1	)%	(4	)%
Purchase Sales (in billions)	$	8.6		$	8.7		$	9.4		$	7.7		$	8.1		5	%	(6	)%
Average Loans (in billions) (3)	$	11.5		$	11.6		$	12.1		$	11.7		$	11.9		2	%	3	%
EOP Loans (in billions) (3)	$	11.5		$	11.8		$	12.1		$	11.7		$	11.7		—		2	%
Average Yield (4)	21.71		%	21.60		%	20.91		%	20.91		%	21.30		%
Net Interest Revenue (in millions) (5)	$	602		$	602		$	609		$	574		$	614		7	%	2	%
As a % of Average Loans (5)	21.00		%	20.59		%	19.97		%	19.90		%	20.70		%
Net Credit Losses (in millions)	$	212		$	225		$	234		$	254		$	271		7	%	28	%
As a % of Average Loans	7.39		%	7.70		%	7.67		%	8.80		%	9.13		%
Net Credit Margin (in millions) (6)	$	577		$	564		$	607		$	516		$	542		5	%	(6	)%
As a % of Average Loans (6)	20.12		%	19.29		%	19.90		%	17.89		%	18.27		%
Loans 90+ Days Past Due (in millions)	$	323		$	326		$	349		$	349		$	364		4	%	13	%
As a % of EOP Loans	2.81		%	2.76		%	2.88		%	2.98		%	3.11		%
Loans 30-89 Days Past Due (in millions)	$	335		$	346		$	364		$	390		$	396		2	%	18	%
As a % of EOP Loans	2.91		%	2.93		%	3.01		%	3.33		%	3.38		%

(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.

(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)

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Net Interest Revenue	$	1,190		$	1,163		$	1,176		$	1,134		$	1,168		3	%	(2	)%	$	2,417		$	2,302		(5	)%
Non-Interest Revenue	778			699			658			761			748			(2	)%	(4	)%	1,511			1,509			—
Total Revenues, Net of Interest Expense	1,968			1,862			1,834			1,895			1,916			1	%	(3	)%	3,928			3,811			(3	)%
Total Operating Expenses	1,142			1,132			1,149			1,130			1,446			28	%	27	%	2,305			2,576			12	%
Net Credit Losses	180			192			204			203			198			(2	)%	10	%	386			401			4	%
Credit Reserve Build / (Release)	19			(28		)	15			(3		)	(35		)	NM		NM		22			(38		)	NM
Provision for Unfunded Lending Commitments	10			12			(5		)	(4		)	(6		)	(50	)%	NM		24			(10		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—		—		—			—			—
Provision for Loan Losses and for Benefits and Claims (LLR & PBC)	209			176			214			196			157			(20	)%	(25	)%	432			353			(18	)%
Income from Continuing Operations before Taxes	617			554			471			569			313			(45	)%	(49	)%	1,191			882			(26	)%
Income Taxes	207			190			158			188			99			(47	)%	(52	)%	387			287			(26	)%
Income from Continuing Operations	410			364			313			381			214			(44	)%	(48	)%	804			595			(26	)%
Noncontrolling Interests	—			—			—			—			—			—		—		—			—			—
Net Income	$	410		$	364		$	313		$	381		$	214		(44	)%	(48	)%	$	804		$	595		(26	)%
Average Assets (in billions of dollars)	$	129		$	129		$	131		$	130		$	133		2	%	3	%	$	129		$	132		2	%
Return on Average Assets	1.27		%	1.12		%	0.95		%	1.19		%	0.65		%					1.26		%	0.91		%
Efficiency Ratio	58		%	61		%	63		%	60		%	75		%					59		%	68		%
Net Credit Losses as a % of Average Loans	0.82		%	0.87		%	0.90		%	0.91		%	0.85		%					0.88		%	0.88		%
Revenue by Business
Retail Banking	$	1,192		$	1,102		$	1,070		$	1,166		$	1,161		—		(3	)%	$	2,392		$	2,327		(3	)%
Citi-Branded Cards	776			760			764			729			755			4	%	(3	)%	1,536			1,484			(3	)%
Total	$	1,968		$	1,862		$	1,834		$	1,895		$	1,916		1	%	(3	)%	$	3,928		$	3,811		(3	)%
Net Credit Losses by Business
Retail Banking	$	53		$	78		$	91		$	91		$	75		(18	)%	42	%	$	120		$	166		38	%
Citi-Branded Cards	127			114			113			112			123			10	%	(3	)%	266			235			(12	)%
Total	$	180		$	192		$	204		$	203		$	198		(2	)%	10	%	$	386		$	401		4	%
Income from Continuing Operations by Business
Retail Banking	$	223		$	178		$	145		$	221		$	58		(74	)%	(74	)%	$	463		$	279		(40	)%
Citi-Branded Cards	187			186			168			160			156			(3	)%	(17	)%	341			316			(7	)%
Total	$	410		$	364		$	313		$	381		$	214		(44	)%	(48	)%	$	804		$	595		(26	)%
FX Translation Impact:
Total Revenue - as Reported	$	1,968		$	1,862		$	1,834		$	1,895		$	1,916		1	%	(3	)%	$	3,928		$	3,811		(3	)%
Impact of FX Translation (1)	(17		)	24			14			32			—							(106		)	—
Total Revenues - Ex-FX (2)	$	1,951		$	1,886		$	1,848		$	1,927		$	1,916		(1	)%	(2	)%	$	3,822		$	3,811		—
Total Operating Expenses - as Reported	$	1,142		$	1,132		$	1,149		$	1,130		$	1,446		28	%	27	%	$	2,305		$	2,576		12	%
Impact of FX Translation (1)	(2		)	14			9			18			—							(47		)	—
Total Operating Expenses - Ex-FX (2)	$	1,140		$	1,146		$	1,158		$	1,148		$	1,446		26	%	27	%	$	2,258		$	2,576		14	%
Provisions for LLR & PBC - as Reported	$	209		$	176		$	214		$	196		$	157		(20	)%	(25	)%	$	432		$	353		(18	)%
Impact of FX Translation (1)	1			6			4			6			—							(13		)	—
Provisions for LLR & PBC - Ex-FX (2)	$	210		$	182		$	218		$	202		$	157		(22	)%	(25	)%	$	419		$	353		(16	)%
Net Income - as Reported	$	410		$	364		$	313		$	381		$	214		(44	)%	(48	)%	$	804		$	595		(26	)%
Impact of FX Translation (1)	(10		)	3			2			5			—							(26		)	—
Net Income - Ex-FX (2)	$	400		$	367		$	315		$	386		$	214		(45	)%	(47	)%	$	778		$	595		(24	)%

(1)Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2014 exchange rates for all periods presented.

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

16

CITICORP
GLOBAL CONSUMER BANKING
ASIA - PAGE 2

																2Q14 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2013			2013			2013			2014			2014			1Q14		2Q13
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	571			562			553			538			471			(12	)%	(18	)%
Accounts (in millions)	16.9			17.0			16.8			16.9			16.9			—		—
Average Deposits	$	102.3		$	100.2		$	101.0		$	101.0		$	103.3		2	%	1	%
Investment Sales	$	11.3		$	8.6		$	8.4		$	10.3		$	9.1		(12	)%	(19	)%
Investment AUMs	$	51.4		$	54.7		$	54.5		$	56.1		$	58.3		4	%	13	%
Average Loans	$	68.8		$	69.2		$	71.5		$	72.0		$	74.8		4	%	9	%
EOP Loans:
Real Estate Lending	$	35.6		$	37.0		$	37.6		$	38.1		$	39.2		3	%	10	%
Commercial Markets	17.1			17.4			17.2			17.9			18.5			3	%	8	%
Personal and Other	15.8			15.9			16.8			17.4			17.9			3	%	13	%
Total EOP Loans	$	68.5		$	70.3		$	71.6		$	73.4		$	75.6		3	%	10	%
Net Interest Revenue (in millions) (1)	$	708		$	691		$	696		$	676		$	699		3	%	(1	)%
As a % of Average Loans (1)	4.13		%	3.96		%	3.86		%	3.81		%	3.75		%
Net Credit Losses (in millions)	$	53		$	78		$	91		$	91		$	75		(18	)%	42	%
As a % of Average Loans	0.31		%	0.45		%	0.50		%	0.51		%	0.40		%
Loans 90+ Days Past Due (in millions)	$	205		$	210		$	191		$	194		$	210		8	%	2	%
As a % of EOP Loans	0.30		%	0.30		%	0.27		%	0.26		%	0.28		%
Loans 30-89 Days Past Due (in millions)	$	432		$	398		$	398		$	392		$	406		4	%	(6	)%
As a % of EOP Loans	0.63		%	0.57		%	0.56		%	0.53		%	0.54		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)	16.4			16.6			16.6			16.4			16.3			(1	)%	(1	)%
Purchase Sales (in billions)	$	19.4		$	19.2		$	20.6		$	19.0		$	20.1		6	%	4	%
Average Loans (in billions) (2)	$	19.0		$	18.4		$	18.8		$	18.6		$	18.9		2	%	(1	)%
EOP Loans (in billions) (2)	$	18.9		$	18.7		$	19.1		$	18.6		$	19.3		4	%	2	%
Average Yield (3)	12.48		%	12.33		%	12.24		%	12.21		%	11.98		%
Net Interest Revenue (in millions) (4)	$	482		$	472		$	480		$	458		$	469		2	%	(3	)%
As a % of Average Loans (4)	10.18		%	10.18		%	10.13		%	9.99		%	9.95		%
Net Credit Losses (in millions)	$	127		$	114		$	113		$	112		$	123		10	%	(3	)%
As a % of Average Loans	2.68		%	2.46		%	2.38		%	2.44		%	2.61		%
Net Credit Margin (in millions) (5)	$	649		$	646		$	651		$	617		$	632		2	%	(3	)%
As a % of Average Loans (5)	13.70		%	13.93		%	13.74		%	13.45		%	13.41		%
Loans 90+ Days Past Due	$	209		$	189		$	188		$	199		$	206		4	%	(1	)%
As a % of EOP Loans	1.11		%	1.01		%	0.98		%	1.07		%	1.07		%
Loans 30-89 Days Past Due	$	287		$	267		$	274		$	271		$	281		4	%	(2	)%
As a % of EOP Loans	1.52		%	1.43		%	1.43		%	1.46		%	1.46		%

(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)

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Commissions and Fees	$	1,105		$	1,081		$	1,022		$	1,110		$	1,089		(2	)%	(1	)%	2,241			2,199			(2	)%
Administration and Other Fiduciary Fees	683			625			637			638			666			4	%	(2	)%	1,364			1,304			(4	)%
Investment Banking	983			842			952			957			1,257			31	%	28	%	2,068			2,214			7	%
Principal Transactions	2,450			863			706			2,606			1,577			(39	)%	(36	)%	4,922			4,183			(15	)%
Other	370			132			(189		)	87			37			(57	)%	(90	)%	731			124			(83	)%
Total Non-Interest Revenue	5,591			3,543			3,128			5,398			4,626			(14	)%	(17	)%	11,326			10,024			(11	)%
Net Interest Revenue (including Dividends)	3,969			3,829			3,916			3,836			3,837			—		(3	)%	7,825			7,673			(2	)%
Total Revenues, Net of Interest Expense	9,560			7,372			7,044			9,234			8,463			(8	)%	(11	)%	19,151			17,697			(8	)%
Total Operating Expenses	5,006			4,888			5,245			4,994			4,891			(2	)%	(2	)%	10,085			9,885			(2	)%
Net Credit Losses	53			65			25			134			9			(93	)%	(83	)%	92			143			55	%
Credit Reserve Build / (Release)	(64		)	(19		)	(97		)	(87		)	(96		)	(10	)%	(50	)%	(41		)	(183		)	NM
Provision for Unfunded Lending Commitments	(19		)	93			(24		)	(20		)	(25		)	(25	)%	(32	)%	(16		)	(45		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—		—		—			—			—
Provision for Credit Losses and for Benefits and Claims	(30		)	139			(96		)	27			(112		)	NM		NM		35			(85		)	NM
Income from Continuing Operations before Taxes	4,584			2,345			1,895			4,213			3,684			(13	)%	(20	)%	9,031			7,897			(13	)%
Income Taxes	1,448			605			427			1,248			1,122			(10	)%	(23	)%	2,825			2,370			(16	)%
Income from Continuing Operations	3,136			1,740			1,468			2,965			2,562			(14	)%	(18	)%	6,206			5,527			(11	)%
Noncontrolling Interests	23			19			18			26			19			(27	)%	(17	)%	73			45			(38	)%
Net Income	$	3,113		$	1,721		$	1,450		$	2,939		$	2,543		(13	)%	(18	)%	$	6,133		$	5,482		(11	)%
Average Assets (in billions of dollars)	$	1,090		$	1,052		$	1,052		$	1,058		$	1,065		1	%	(2	)%	$	1,080		$	1,062		(2	)%
Return on Average Assets	1.15		%	0.65		%	0.55		%	1.13		%	0.96		%					1.15		%	1.04		%
Return on Average Assets (Excluding CVA/DVA) (1)(2)	1.04		%	0.73		%	0.58		%	1.13		%	0.97		%					1.13		%	1.05		%
Efficiency Ratio	52		%	66		%	74		%	54		%	58		%					53		%	56		%
Revenue by Region - Excluding CVA/DVA (2)
North America	$	3,153		$	2,579		$	2,325		$	3,559		$	3,176		(11	)%	1	%	$	6,832		$	6,735		(1	)%
EMEA	2,746			2,328			2,053			2,763			2,426			(12	)%	(12	)%	5,684			5,189			(9	)%
Latin America	1,200			1,102			1,147			1,104			1,159			5	%	(3	)%	2,432			2,263			(7	)%
Asia	1,999			1,695			1,684			1,815			1,734			(4	)%	(13	)%	4,051			3,549			(12	)%
Total	$	9,098		$	7,704		$	7,209		$	9,241		$	8,495		(8	)%	(7	)%	$	18,999		$	17,736		(7	)%
CVA/DVA {excluded as applicable in lines above}	462			(332		)	(165		)	(7		)	(32		)	NM		NM		152			(39		)	NM
Total Revenues, net of Interest Expense	$	9,560		$	7,372		$	7,044		$	9,234		$	8,463		(8	)%	(11	)%	$	19,151		$	17,697		(8	)%
Income from Continuing Operations by Region - Excluding CVA/DVA (2)
North America	$	927		$	596		$	463		$	1,290		$	1,086		(16	)%	17	%	$	2,245		$	2,376		6	%
EMEA	793			486			414			768			548			(29	)%	(31	)%	1,562			1,316			(16	)%
Latin America	513			431			200			342			436			27	%	(15	)%	991			778			(21	)%
Asia	619			433			491			569			512			(10	)%	(17	)%	1,316			1,081			(18	)%
Total	$	2,852		$	1,946		$	1,568		$	2,969		$	2,582		(13	)%	(9	)%	$	6,114		$	5,551		(9	)%
CVA/DVA (after-tax) {excluded as applicable in lines above}	284			(206		)	(100		)	(4		)	(20		)	NM		NM		92			(24		)	NM
Income from Continuing Operations	$	3,136		$	1,740		$	1,468		$	2,965		$	2,562		(14	)%	(18	)%	$	6,206		$	5,527		(11	)%
Average Loans by Region (in billions)
North America	$	96		$	100		105			$	107		$	109		2	%	14	%	$	93		$	108		16	%
EMEA	56			54			56			57			59			4	%	5	%	55			58			5	%
Latin America	37			38			39			40			41			3	%	11	%	38			41			8	%
Asia	64			67			68			68			70			3	%	9	%	62			69			11	%
Total	$	253		$	259		$	268		$	272		$	279		3	%	10	%	$	248		$	276		11	%
EOP Deposits by Region (in billions)
North America	$	158		$	173		$	183		$	186		$	182		(1	)%	15	%
EMEA	173			181			185			184			185			1	%	7	%
Latin America	57			63			60			65			65			—		14	%
Asia	145			149			146			139			145			4	%	—
Total	$	533		$	566		$	574		$	574		$	577		1	%	8	%
EOP Deposits by Business (in billions)
Treasury and Trade Solutions	$	343		$	371		$	380		$	381		$	384		1	%	12	%
All Other ICG Businesses	190			195			194			193			193			—		2	%
Total	$	533		$	566		$	574		$	574		$	577		1	%	8	%

(1)  ROA excluding CVA/DVA is defined as annualized net income less CVA/DVA, divided by average assets.  See above for the after-tax CVA/DVA for each period presented.

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

18

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

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Revenue Details - Excluding CVA/DVA:
Investment Banking:
Advisory	$	215		$	167		$	266		$	175		$	193		10	%	(10	)%	$	419		$	368		(12	)%
Equity Underwriting	302			197			310			299			397			33	%	31	%	552			696			26	%
Debt Underwriting	639			578			570			578			748			29	%	17	%	1,352			1,326			(2	)%
Total Investment Banking	1,156			942			1,146			1,052			1,338			27	%	16	%	2,323			2,390			3	%
Treasury and Trade Solutions	2,005			1,950			1,938			1,948			2,009			3	%	—		3,931			3,957			1	%
Corporate Lending - Excluding Gain/(Loss) on Loan Hedges	404			379			395			415			454			9	%	12	%	739			869			18	%
Private Bank	645			614			599			668			656			(2	)%	2	%	1,274			1,324			4	%
Total Banking Revenues (Ex-CVA/DVA and Gain/(Loss) on Loan Hedges) (1)	$	4,210		$	3,885		$	4,078		$	4,083		$	4,457		9	%	6	%	$	8,267		$	8,540		3	%
Corporate Lending — Gain/(Loss) on Loan Hedges(2)	23			(147		)	(139		)	(17		)	(44		)	NM		NM		(1		)	(61		)	NM
Total Banking Revenues (Ex-CVA/DVA) and including G(L) on Loan Hedges (1)	$	4,233		$	3,738		$	3,939		$	4,066		$	4,413		9	%	4	%	$	8,266		$	8,479		3	%
Fixed Income Markets	3,422			2,838			2,375			3,850			2,996			(22	)%	(12	)%	8,109			6,846			(16	)%
Equity Markets	885			670			484			883			659			(25	)%	(26	)%	1,664			1,542			(7	)%
Securities Services	599			553			554			561			598			7	%	—		1,165			1,159			(1	)%
Other	(41		)	(95		)	(143		)	(119		)	(171		)	(44	)%	NM		(205		)	(290		)	(41	)%
Total Markets and Securities Services (Ex-CVA/DVA) (1)	$	4,865		$	3,966		$	3,270		$	5,175		$	4,082		(21	)%	(16	)%	$	10,733		$	9,257		(14	)%
Total ICG (Ex-CVA/DVA) (1)	$	9,098		$	7,704		$	7,209		$	9,241		$	8,495		(8	)%	(7	)%	$	18,999		$	17,736		(7	)%
CVA/DVA {excluded as applicable in lines above}	462			(332		)	(165		)	(7		)	(32		)	NM		NM		152			(39		)	NM
Total Revenues, net of Interest Expense	$	9,560		$	7,372		$	7,044		$	9,234		$	8,463		(8	)%	(11	)%	$	19,151		$	17,697		(8	)%
Taxable-equivalent adjustments (3)	$	301		$	269		$	266		$	240		$	240		—		(20	)%	$	603		$	480		(20	)%
Total ICG Revenues (Ex-CVA/DVA) and including Taxable-equivalent adjustments (1) (3)	$	9,399		$	7,973		$	7,475		$	9,481		$	8,735		(8	)%	(7	)%	$	19,602		$	18,216		(7	)%

(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.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

19

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

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Net Interest Revenue	$	(138	)	$	(194	)	$	(132	)	$	(36	)	$	(45	)	(25	)%	67	%	$	(283	)	$	(81	)	71	%
Non-Interest Revenue	252			236			91			177			80			(55	)%	(68	)%	403			257			(36	)%
Total Revenues, Net of Interest Expense	114			42			(41		)	141			35			(75	)%	(69	)%	120			176			47	%
Total Operating Expenses	294			206			193			421			655			56	%	NM		634			1,076			70	%
Net Credit Losses	—			—			—			—			—			—		—		—			—			—
Credit Reserve Build / (Release)	—			—			—			—			—			—		—		—			—			—
Provision for Benefits & Claims	—			—			—			—			—			—		—		—			—			—
Provision for Unfunded Lending Commitments	—			—			—			—			—			—		—		—			—			—
Provision for Loan Losses and for Benefits and Claims	—			—			—			—			—			—		—		—			—			—
Income from Continuing Operations before Taxes	(180		)	(164		)	(234		)	(280		)	(620		)	NM		NM		(514		)	(900		)	(75	)%
Income Taxes	49			(184		)	22			178			(188		)	NM		NM		(120		)	(10		)	92	%
Income from Continuing Operations	(229		)	20			(256		)	(458		)	(432		)	6	%	(89	)%	(394		)	(890		)	NM
Income (Loss) from Discontinued Operations, net of taxes (2)	30			92			181			37			(22		)	NM		NM		(3		)	15			NM
Noncontrolling Interests	6			22			26			10			25			NM		NM		36			35			(3	)%
Net Income (Loss)	$	(205	)	$	90		$	(101	)	$	(431	)	$	(479	)	(11	)%	NM		$	(433	)	$	(910	)	NM
EOP Assets (in billions of dollars)	$	290		$	317		$	313		$	323		$	326		1	%	12	%
Average Assets (in billions of dollars)	$	275		$	292		$	318		$	318		$	326		3	%	19	%	$	270		$	322		19	%

(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 1 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)

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Net Interest Revenue	$	5,458		$	5,593		$	5,814		$	5,673		$	5,630		(1	)%	3	%	$	11,006		$	11,303		3	%
Non-Interest Revenue	2,840			1,585			1,272			2,668			2,298			(14	)%	(19	)%	5,979			4,966			(17	)%
Total Revenues, Net of Interest Expense	8,298			7,178			7,086			8,341			7,928			(5	)%	(4	)%	16,985			16,269			(4	)%
Total Operating Expenses	4,341			4,276			4,388			4,352			4,143			(5	)%	(5	)%	8,771			8,495			(3	)%
Net Credit Losses	1,207			1,121			1,113			1,093			1,085			(1	)%	(10	)%	2,478			2,178			(12	)%
Credit Reserve Build / (Release)	(331		)	(329		)	(71		)	(317		)	(491		)	(55	)%	(48	)%	(755		)	(808		)	(7	)%
Provision Unfunded Lending Commitments	(19		)	94			(29		)	(14		)	(19		)	(36	)%	—		(16		)	(33		)	NM
Provision for Benefits & Claims	13			17			16			6			12			100	%	(8	)%	27			18			(33	)%
Provision for Credit Losses and for Benefits and Claims	870			903			1,029			768			587			(24	)%	(33	)%	1,734			1,355			(22	)%
Income from Continuing Operations before Taxes	3,087			1,999			1,669			3,221			3,198			(1	)%	4	%	6,480			6,419			(1	)%
Income Taxes	1,019			597			416			912			1,053			15	%	3	%	2,082			1,965			(6	)%
Income from Continuing Operations	2,068			1,402			1,253			2,309			2,145			(7	)%	4	%	4,398			4,454			1	%
Noncontrolling Interests	(2		)	3			6			5			(5		)	NM		NM		15			—			(100	)%
Net Income	$	2,070		$	1,399		$	1,247		$	2,304		$	2,150		(7	)%	4	%	$	4,383		$	4,454		2	%
Average Assets (in billions of dollars)	$	638		$	629		$	632		$	629		$	619		(2	)%	(3	)%	$	635		$	624		(2	)%
Return on Average Assets	1.30		%	0.88		%	0.78		%	1.49		%	1.39		%					1.39		%	1.44		%
Efficiency Ratio	52		%	60		%	62		%	52		%	52		%					52		%	52		%
Revenue by Business
Retail Banking	$	1,592		$	1,124		$	1,087		$	1,139		$	1,173		3	%	(26	)%	$	3,165		$	2,312		(27	)%
Citi-Branded Cards	1,978			2,087			2,120			2,019			2,028			—		3	%	4,004			4,047			1	%
Citi Retail Services	1,483			1,528			1,667			1,625			1,581			(3	)%	7	%	2,994			3,206			7	%
Global Consumer Banking	5,053			4,739			4,874			4,783			4,782			—		(5	)%	10,163			9,565			(6	)%
Institutional Clients Group	3,245			2,439			2,212			3,558			3,146			(12	)%	(3	)%	6,822			6,704			(2	)%
Total	$	8,298		$	7,178		$	7,086		$	8,341		$	7,928		(5	)%	(4	)%	$	16,985		$	16,269		(4	)%
CVA/DVA {included as applicable in businesses above}	92			(140		)	(113		)	(1		)	(30		)	NM		NM		(10		)	(31		)	NM
Total Revenues - Excluding CVA/DVA (2)	$	8,206		$	7,318		$	7,199		$	8,342		$	7,958		(5	)%	(3	)%	$	16,995		$	16,300		(4	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	257		$	(37	)	$	(21	)	$	17		$	89		NM		(65	)%	$	469		$	106		(77	)%
Citi-Branded Cards	440			548			522			566			558			(1	)%	27	%	872			1,124			29	%
Citi Retail Services	387			383			357			437			430			(2	)%	11	%	817			867			6	%
Global Consumer Banking	1,084			894			858			1,020			1,077			6	%	(1	)%	2,158			2,097			(3	)%
Institutional Clients Group	984			508			395			1,289			1,068			(17	)%	9	%	2,240			2,357			5	%
Total	$	2,068		$	1,402		$	1,253		$	2,309		$	2,145		(7	)%	4	%	$	4,398		$	4,454		1	%
CVA/DVA {included as applicable in businesses above}	57			(88		)	(68		)	(1		)	(18		)	NM		NM		(5		)	(19		)	NM
Income (loss) from Continuing Operations - Excluding CVA/DVA (2)	$	2,011		$	1,490		$	1,321		$	2,310		$	2,163		(6	)%	8	%	$	4,403		$	4,473		2	%

(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.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

21

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

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Net Interest Revenue	$	1,214		$	1,068		$	1,065		$	1,044		$	1,102		6	%	(9	)%	$	2,380		$	2,146		(10	)%
Non-Interest Revenue	2,238			1,438			1,325			2,085			1,698			(19	)%	(24	)%	4,193			3,783			(10	)%
Total Revenues, Net of Interest Expense	3,452			2,506			2,390			3,129			2,800			(11	)%	(19	)%	6,573			5,929			(10	)%
Total Operating Expenses	1,948			1,921			1,893			1,985			1,944			(2	)%	—		3,951			3,929			(1	)%
Net Credit Losses	25			41			36			8			23			NM		(8	)%	66			31			(53	)%
Credit Reserve Build / (Release)	(64		)	36			(108		)	(47		)	(43		)	9	%	33	%	15			(90		)	NM
Provision Unfunded Lending Commitments	(1		)	(18		)	(1		)	(4		)	(4		)	—		NM		—			(8		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—		—		—			—			—
Provision for Credit Losses and for Benefits and Claims	(40		)	59			(73		)	(43		)	(24		)	44	%	40	%	81			(67		)	NM
Income from Continuing Operations before Taxes	1,544			526			570			1,187			880			(26	)%	(43	)%	2,541			2,067			(19	)%
Income Taxes	519			139			170			393			308			(22	)%	(41	)%	861			701			(19	)%
Income from Continuing Operations	1,025			387			400			794			572			(28	)%	(44	)%	1,680			1,366			(19	)%
Noncontrolling Interests	30			18			12			26			27			4	%	(10	)%	66			53			(20	)%
Net Income	$	995		$	369		$	388		$	768		$	545		(29	)%	(45	)%	$	1,614		$	1,313		(19	)%
Average Assets (in billions of dollars)	$	312		$	291		$	292		$	301		$	313		4	%	—		$	307		$	307		—
Return on Average Assets	1.28		%	0.50		%	0.53		%	1.03		%	0.70		%					1.06		%	0.86		%
Efficiency Ratio	56		%	77		%	79		%	63		%	69		%					60		%	66		%
Revenue by Business
Retail Banking	$	214		$	219		$	220		$	214		$	224		5	%	5	%	$	429		$	438		2	%
Citi-Branded Cards	150			140			138			133			135			2	%	(10	)%	303			268			(12	)%
Regional Consumer Banking	364			359			358			347			359			3	%	(1	)%	732			706			(4	)%
Institutional Clients Group	3,088			2,147			2,032			2,782			2,441			(12	)%	(21	)%	5,841			5,223			(11	)%
Total	$	3,452		$	2,506		$	2,390		$	3,129		$	2,800		(11	)%	(19	)%	$	6,573		$	5,929		(10	)%
CVA/DVA {included as applicable in businesses above}	342			(181		)	(21		)	19			15			(21	)%	(96	)%	157			34			(78	)%
Total Revenues - Excluding CVA/DVA (2)	$	3,110		$	2,687		$	2,411		$	3,110		$	2,785		(10	)%	(10	)%	$	6,416		$	5,895		(8	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	(5	)	$	(7	)	$	(17	)	$	(7	)	$	7		NM		NM		$	(18	)	$	—		100	%
Citi-Branded Cards	27			20			16			22			8			(64	)%	(70	)%	41			30			(27	)%
Regional Consumer Banking	22			13			(1		)	15			15			—		(32	)%	$	23		$	30		30	%
Institutional Clients Group	1,003			374			401			779			557			(28	)%	(44	)%	1,657			1,336			(19	)%
Total	$	1,025		$	387		$	400		$	794		$	572		(28	)%	(44	)%	$	1,680		$	1,366		(19	)%
CVA/DVA {included as applicable in businesses above}	210			(112		)	(13		)	11			9			(18	)%	(96	)%	95			20			(79	)%
Income (loss) from Continuing Operations - Excluding CVA/DVA (2)	$	815		$	499		$	413		$	783		$	563		(28	)%	(31	)%	$	1,585		$	1,346		(15	)%

(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.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

22

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

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Net Interest Revenue	$	2,359		$	2,294		$	2,341		$	2,238		$	2,267		1	%	(4	)%	$	4,609		$	4,505		(2	)%
Non-Interest Revenue	1,197			1,073			1,213			1,132			1,207			7	%	1	%	2,478			2,339			(6	)%
Total Revenues, Net of Interest Expense	3,556			3,367			3,554			3,370			3,474			3	%	(2	)%	7,087			6,844			(3	)%
Total Operating Expenses	1,843			1,766			2,229			1,770			1,841			4	%	—		3,678			3,611			(2	)%
Net Credit Losses	423			443			458			617			486			(21	)%	15	%	847			1,103			30	%
Credit Reserve Build / (Release)	49			153			68			57			170			NM		NM		106			227			NM
Provision Unfunded Lending Commitments	—			20			9			(1		)	1			NM		100	%	—			—			—
Provision for Benefits & Claims	33			34			36			47			27			(43	)%	(18	)%	82			74			(10	)%
Provision for Credit Losses and for Benefits and Claims	505			650			571			720			684			(5	)%	35	%	1,035			1,404			36	%
Income from Continuing Operations before Taxes	1,208			951			754			880			949			8	%	(21	)%	2,374			1,829			(23	)%
Income Taxes	335			260			181			228			220			(4	)%	(34	)%	673			448			(33	)%
Income from Continuing Operations	873			691			573			652			729			12	%	(16	)%	1,701			1,381			(19	)%
Noncontrolling Interests	—			1			1			2			2			—		NM		1			4			NM
Net Income	$	873		$	690		$	572		$	650		$	727		12	%	(17	)%	$	1,700		$	1,377		(19	)%
Average Assets (in billions of dollars)	$	180		$	177		$	178		$	178		$	178		—		(1	)%	$	182		$	178		(2	)%
Return on Average Assets	1.95		%	1.55		%	1.27		%	1.48		%	1.64		%					1.89		%	1.56		%
Efficiency Ratio	52		%	52		%	63		%	53		%	53		%					52		%	53		%
Revenue by Business
Retail Banking	$	1,544		$	1,483		$	1,562		$	1,498		$	1,511		1	%	(2	)%	$	3,088		$	3,009		(3	)%
Citi-Branded Cards	789			789			841			770			813			6	%	3	%	1,553			1,583			2	%
Regional Consumer Banking	2,333			2,272			2,403			2,268			2,324			2	%	—		$	4,641		$	4,592		(1	)%
Institutional Clients Group	1,223			1,095			1,151			1,102			1,150			4	%	(6	)%	2,446			2,252			(8	)%
Total	$	3,556		$	3,367		$	3,554		$	3,370		$	3,474		3	%	(2	)%	$	7,087		$	6,844		(3	)%
CVA/DVA {included as applicable in businesses above}	23			(7		)	4			(2		)	(9		)	NM		NM		14			(11		)	NM
Total Revenues - Excluding CVA/DVA (2)	$	3,533		$	3,374		$	3,550		$	3,372		$	3,483		3	%	(1	)%	$	7,073		$	6,855		(3	)%
Income from Continuing Operations by Business
Retail Banking	$	190		$	123		$	211		$	205		$	208		1	%	9	%	$	418		$	413		(1	)%
Citi-Branded Cards	156			141			160			106			91			(14	)%	(42	)%	284			197			(31	)%
Regional Consumer Banking	346			264			371			311			299			(4	)%	(14	)%	$	702		$	610		(13	)%
Institutional Clients Group	527			427			202			341			430			26	%	(18	)%	999			771			(23	)%
Total	$	873		$	691		$	573		$	652		$	729		12	%	(16	)%	$	1,701		$	1,381		(19	)%
CVA/DVA {included as applicable in businesses above}	14			(4		)	2			(1		)	(6		)	NM		NM		8			(7		)	NM
Income (loss) from Continuing Operations - Excluding CVA/DVA (2)	$	859		$	695		$	571		$	653		$	735		13	%	(14	)%	$	1,693		$	1,388		(18	)%

(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.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

23

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

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Net Interest Revenue	$	2,005		$	1,974		$	2,011		$	1,937		$	2,020		4	%	1	%	$	4,063		$	3,957		(3	)%
Non-Interest Revenue	1,967			1,579			1,472			1,750			1,622			(7	)%	(18	)%	3,907			3,372			(14	)%
Total Revenues, Net of Interest Expense	3,972			3,553			3,483			3,687			3,642			(1	)%	(8	)%	7,970			7,329			(8	)%
Total Operating Expenses	2,159			2,114			2,096			2,077			2,424			17	%	12	%	4,322			4,501			4	%
Net Credit Losses	183			190			205			202			196			(3	)%	7	%	395			398			1	%
Credit Reserve Build / (Release)	45			36			7			2			(50		)	NM		NM		16			(48		)	NM
Provision for Unfunded Lending Commitments	10			12			(5		)	(4		)	(6		)	(50	)%	NM		24			(10		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—		—		—			—			—
Provision for Credit Losses and for Benefits and Claims	238			238			207			200			140			(30	)%	(41	)%	435			340			(22	)%
Income from Continuing Operations before Taxes	1,575			1,201			1,180			1,410			1,078			(24	)%	(32	)%	3,213			2,488			(23	)%
Income Taxes	543			406			397			473			357			(25	)%	(34	)%	1,099			830			(24	)%
Income from Continuing Operations	1,032			795			783			937			721			(23	)%	(30	)%	2,114			1,658			(22	)%
Noncontrolling Interests	1			1			1			1			1			—		—		2			2			—
Net Income	$	1,031		$	794		$	782		$	936		$	720		(23	)%	(30	)%	$	2,112		$	1,656		(22	)%
Average Assets (in billions of dollars)	$	351		$	346		$	349		$	347		$	355		2	%	1	%	$	351		$	351		—
Return on Average Assets	1.18		%	0.91		%	0.89		%	1.09		%	0.81		%					1.21		%	0.95		%
Efficiency Ratio	54		%	59		%	60		%	56		%	67		%					54		%	61		%
Revenue by Business
Retail Banking	$	1,192		$	1,102		$	1,070		$	1,166		$	1,161		—		(3	)%	$	2,392		$	2,327		(3	)%
Citi-Branded Cards	776			760			764			729			755			4	%	(3	)%	1,536			1,484			(3	)%
Regional Consumer Banking	1,968			1,862			1,834			1,895			1,916			1	%	(3	)%	3,928			3,811			(3	)%
Institutional Clients Group	2,004			1,691			1,649			1,792			1,726			(4	)%	(14	)%	4,042			3,518			(13	)%
Total	$	3,972		$	3,553		$	3,483		$	3,687		$	3,642		(1	)%	(8	)%	$	7,970		$	7,329		(8	)%
CVA/DVA {included as applicable in businesses above}	5			(4		)	(35		)	(23		)	(8		)	65	%	NM		(9		)	(31		)	NM
Total Revenues - Excluding CVA/DVA (2)	$	3,967		$	3,557		$	3,518		$	3,710		$	3,650		(2	)%	(8	)%	$	7,979		$	7,360		(8	)%
Income from Continuing Operations by Business
Retail Banking	$	223		$	178		$	145		$	221		$	58		(74	)%	(74	)%	$	463		$	279		(40	)%
Citi-Branded Cards	187			186			168			160			156			(3	)%	(17	)%	341			316			(7	)%
Regional Consumer Banking	410			364			313			381			214			(44	)%	(48	)%	804			595			(26	)%
Institutional Clients Group	622			431			470			556			507			(9	)%	(18	)%	1,310			1,063			(19	)%
Total	$	1,032		$	795		$	783		$	937		$	721		(23	)%	(30	)%	$	2,114		$	1,658		(22	)%
CVA/DVA {included as applicable in businesses above}	3			(2		)	(21		)	(13		)	(5		)	62	%	NM		(6		)	(18		)	NM
Income (loss) from Continuing Operations - Excluding CVA/DVA (2)	$	1,029		$	797		$	804		$	950		$	726		(24	)%	(29	)%	$	2,120		$	1,676		(21	)%

(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.

NM Not meaningful

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)

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Revenues
Net interest revenue	$	784		$	776		$	871		$	903		$	972		8	%	24	%	$	1,537		$	1,875		22	%
Non-interest revenue	312			482			436			553			491			(11	)%	57	%	464			1,044			NM
Total revenues, net of interest expense	1,096			1,258			1,307			1,456			1,463			—		33	%	2,001			2,919			46	%
Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses (1)	770			635			735			519			399			(23	)%	(48	)%	1,700			918			(46	)%
Credit Reserve Build / (Release) (2) (3)	(480		)	(674		)	(532		)	(341		)	(196		)	43	%	59	%	(827		)	(537		)	35	%
Provision for loan losses	290			(39		)	203			178			203			14	%	(30	)%	873			381			(56	)%
Provision for Benefits & Claims	154			153			143			155			143			(8	)%	(7	)%	322			298			(7	)%
Provision for unfunded lending commitments	7			(5		)	(8		)	(4		)	(3		)	25	%	NM		3			(7		)	NM
Total provisions for credit losses and for benefits and claims	451			109			338			329			343			4	%	(24	)%	1,198			672			(44	)%
Total operating expenses (2)	1,564			1,396			1,493			1,544			4,514			NM		NM		3,081			6,058			97	%
Income (Loss) from Continuing Operations before Income Taxes	(919		)	(247		)	(524		)	(417		)	(3,394		)	NM		NM		(2,278		)	(3,811		)	(67	)%
Provision (benefits) for income taxes	(338		)	(138		)	(96		)	(134		)	88			NM		NM		(898		)	(46		)	95	%
Income (Loss) from Continuing Operations	(581		)	(109		)	(428		)	(283		)	(3,482		)	NM		NM		(1,380		)	(3,765		)	NM
Noncontrolling Interests	1			6			4			1			—			(100	)%	(100	)%	6			1			(83	)%
Citi Holding’s Net Income (Loss)	$	(582	)	$	(115	)	$	(432	)	$	(284	)	$	(3,482	)	NM		NM		$	(1,386	)	$	(3,766	)	NM
Average Assets (in billions of dollars)	$	143		$	125		$	119		$	115		$	112		(3	)%	(22	)%	$	148		$	114		(23	)%
Return on Average Assets	(1.63		)%	(0.37		)%	(1.44		)%	(1.00		)%	(12.47		)%					(1.89		)%	(6.66		)%
Efficiency Ratio	143		%	111		%	114		%	106		%	309		%					154		%	208		%
Balance Sheet Data (in billions):
Total EOP Assets	$	131		$	122		$	117		$	114		$	111		(3	)%	(15	)%	$	131		$	111		(15	)%
Total EOP Loans	$	100		$	96		$	93		$	90		$	82		(8	)%	(18	)%	$	100		$	82		(18	)%
Total EOP Deposits	$	65		$	42		$	36		$	29		$	19		(34	)%	(70	)%	$	65		$	19		(71	)%
Consumer Net Credit Losses as a % of Average Loans	3.01		%	2.47		%	3.20		%	2.29		%	1.83		%					3.20		%	2.10		%

(1)The fourth quarter of 2013 NCLs include approximately $184 million related to: 1) a change in charge-off policy for mortgages originated in Citi’s legacy CitiFinancial North America business (CFNA) to more closely align to policies used in the CitiMortgage (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.

(2)The second quarter of 2014 results included the impact of a $3.8 billion charge ($3.7 billion after-tax) to settle claims related to legacy residential-backed securities (RMBS) and collateralized debt obilgations (CDOs) issued, structured or underwritten by Citigroup between 2003 and 2008. For additional information, please see Citigroup’s Form 8-K filed with the U.S. Securities and Exchange Commission on July 14, 2014. The charge consisted of $3.7 billion in legal expenses and a $55 million loan loss reserve build.

(3)The second quarter of 2013, third quarter of 2013, fourth quarter of 2013, first quarter of 2014 and second quarter of 2014 include $124 million, $91 million, $60 million, $32 million and $0 million, respectively, of builds related to gains / (losses) on loan sales.

NM Not meaningful

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)

																2Q14 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2013			2013			2013			2014			2014			1Q14		2Q13
CITI HOLDINGS KEY INDICATORS:
Consumer - International										��
Branches (actual)	83			73			73			72			5			(93	)%	(94	)%
Average Loans (in billions) (1)	$	6.4		$	6.1		$	5.9		$	5.7		$	5.6		(2	)%	(13	)%
EOP Loans (1):
Real Estate Lending (REL)	$	3.4		$	3.2		$	3.2		$	3.0		$	2.9		(3	)%	(15	)%
Cards	2.4			2.4			2.5			2.4			—			(100	)%	(100	)%
Commercial Markets	—			—			—			—			—			—		—
Personal and Other	0.4			0.4			0.2			0.3			0.2			(33	)%	(50	)%
EOP Loans (in billions of dollars)	$	6.2		$	6.0		$	5.9		$	5.7		$	3.1		(46	)%	(50	)%
Net Interest Revenue	$	123		$	57		$	66		$	43		$	83		93	%	(33	)%
As a % of Average Loans	7.71		%	3.71		%	4.44		%	3.06		%	5.94		%
Net Credit Losses	$	51		$	46		$	35		$	32		$	39		22	%	(24	)%
As a % of Average Loans	3.20		%	2.99		%	2.35		%	2.28		%	2.79		%
Loans 90+ Days Past Due	$	242		$	177		$	162		$	170		$	66		(61	)%	(73	)%
As a % of EOP Loans	3.90		%	2.95		%	2.75		%	2.98		%	2.13		%
Loans 30-89 Days Past Due	$	255		$	184		$	200		$	194		$	86		(56	)%	(66	)%
As a % of EOP Loans	4.11		%	3.07		%	3.39		%	3.40		%	2.77		%
Consumer - North America (1)
Branches (actual)	1,493			1,483			1,471			1,459			1,458			—		(2	)%
Average Loans (in billions of dollars)	$	97.0		$	90.6		$	86.8		$	83.8		$	80.8		(4	)%	(17	)%
EOP Loans (in billions of dollars)	$	91.7		$	88.3		$	85.3		$	82.3		$	78.5		(5	)%	(14	)%
Net Interest Revenue	$	747		$	779		$	819		$	862		$	859		—		15	%
As a % of Average Loans	3.09		%	3.41		%	3.74		%	4.17		%	4.26		%
Net Credit Losses	$	724		$	556		$	713		$	474		$	356		(25	)%	(51	)%
As a % of Average Loans	2.99		%	2.43		%	3.26		%	2.29		%	1.77		%
Loans 90+ Days Past Due (2)	$	2,992		$	2,792		$	2,594		$	2,545		$	2,470		(3	)%	(17	)%
As a % of EOP Loans	3.57		%	3.46		%	3.33		%	3.38		%	3.37		%
Loans 30-89 Days Past Due (2)	$	2,896		$	2,661		$	2,524		$	2,103		$	2,174		3	%	(25	)%
As a % of EOP Loans	3.45		%	3.30		%	3.24		%	2.79		%	2.97		%

(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)

																2Q14 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2013			2013			2013			2014			2014			1Q14		2Q13
CITI HOLDINGS KEY INDICATORS:
North America Mortgages
CMI (CitiMortgage Inc.)	$	42.6		$	38.1		$	36.3		$	35.0		$	33.3		(5	)%	(22	)%
CFNA (CitiFinancial - North America)	10.2			9.8			9.2			8.8			8.6			(2	)%	(16	)%
Residential First	52.8			47.9			45.5			43.8			41.9			(4	)%	(21	)%
Home Equity	32.0			30.6			29.3			28.2			27.4			(3	)%	(14	)%
Average Loans (in billions of dollars)	$	84.8		$	78.5		$	74.8		$	72.0		$	69.3		(4	)%	(18	)%
CMI	$	38.8		$	37.1		$	35.6		$	34.5		$	31.6		(8	)%	(19	)%
CFNA	9.8			9.4			9.0			8.7			8.4			(3	)%	(14	)%
Residential First	48.6			46.5			44.6			43.2			40.0			(7	)%	(18	)%
Home Equity	31.2			29.8			28.7			27.7			26.9			(3	)%	(14	)%
EOP Loans (in billions of dollars)	$	79.8		$	76.3		$	73.3		$	70.9		$	66.9		(6	)%	(16	)%
Third Party Mortgage Serv. Portfolio (EOP, in billions)	$	116.7		$	106.4		$	100.1		$	88.4		$	69.9		(21	)%	(40	)%
Net Servicing & Gain/(Loss) on Sale	$	98.7		$	25.1		$	53.5		$	27.2		$	34.6		27	%	(65	)%
Net Interest Revenue on Loans	$	295		$	316		$	342		$	354		$	333		(6	)%	13	%
As a % of Avg. Loans	1.40		%	1.60		%	1.81		%	1.99		%	1.93		%
CMI (1)	$	152		$	81		$	111		$	95		$	1		(99	)%	(99	)%
CFNA	127			130			186			95			90			(5	)%	(29	)%
Residential First	$	279		$	211		$	297		$	190		$	91		(52	)%	(67	)%
Home Equity	274			212			269			140			114			(19	)%	(58	)%
Net Credit Losses (NCLs) (4)	$	553		$	423		$	566		$	330		$	205		(38	)%	(63	)%
As a % of Avg. Loans	2.62		%	2.14		%	3.00		%	1.86		%	1.19		%
CMI	$	1,418		$	1,336		$	1,250		$	1,228		$	1,197		(3	)%	(16	)%
CFNA	688			592			522			539			546			1	%	(21	)%
Residential First	2,106			1,928			1,772			1,767			1,743			(1	)%	(17	)%
Home Equity	678			641			582			542			517			(5	)%	(24	)%
Loans 90+ Days Past Due (2) (3)	$	2,784		$	2,569		$	2,354		$	2,309		$	2,260		(2	)%	(19	)%
As a % of EOP Loans	3.87		%	3.73		%	3.57		%	3.61		%	3.66		%
CMI	$	1,874		$	1,686		$	1,580		$	1,283		$	1,340		4	%	(28	)%
CFNA	338			329			304			294			302			3	%	(11	)%
Residential First	2,212			2,015			1,884			1,577			1,642			4	%	(26	)%
Home Equity	483			427			422			350			336			(4	)%	(30	)%
Loans 30-89 Days Past Due (2) (3)	$	2,695		$	2,442		$	2,306		$	1,927		$	1,978		3	%	(27	)%
As a % of EOP Loans	3.74		%	3.55		%	3.49		%	3.02		%	3.21		%
North America Personal Loans
Average Loans (in billions of dollars)	$	9.0		$	9.2		$	9.2		$	9.2		$	9.1		(1	)%	1	%
EOP Loans (in billions of dollars)	$	9.0		$	9.3		$	9.3		$	9.0		$	9.2		2	%	2	%
Net Interest Revenue on Loans	$	520		$	518		$	516		$	511		$	516		1	%	(1	)%
As a % of Avg. Loans	23.17		%	22.34		%	22.25		%	22.53		%	22.74		%
Net Credit Losses	$	157		$	127		$	134		$	140		$	143		2	%	(9	)%
As a % of Avg. Loans	7.00		%	5.48		%	5.78		%	6.17		%	6.30		%
Loans 90+ Days Past Due	$	181		$	199		$	221		$	218		$	194		(11	)%	7	%
As a % of EOP Loans	2.01		%	2.14		%	2.38		%	2.42		%	2.11		%
Loans 30-89 Days Past Due	$	139		$	159		$	161		$	125		$	155		24	%	12	%
As a % of EOP Loans	1.54		%	1.71		%	1.73		%	1.39		%	1.68		%

(1)  The second quarter of 2014 NCLs for CMI Residential First Mortgages includes a $58 million benefit related to third party legal settlement.

(2)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 $3.5 billion and ($6.8 billion), $3.4 billion and ($6.5 billion), $3.3 billion and ($6.4 billion), $3.0 billion and ($6.1 billion) and $2.8 billion and ($5.2 billion), as of June 30, 2013, September 30, 2013, December 31, 2013, March 31, 2014 and June 30, 2014, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) for each period were $1.2 billion and ($6.8 billion), $1.1 billion and ($6.5 billion), $1.1 billion and ($6.4 billion), $0.9 billion and ($6.1 billion) and $0.7 billion and ($5.2 billion), as of June 30, 2013, September 30, 2013, December 31, 2013, March 31, 2014 and June 30, 2014, respectively.

(3)The June 30, 2013, September 30, 2013, December 31, 2013, March 31, 2014 and June 30, 2014 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude $1.0 billion, $1.0 billion, $0.9 billion, $0.9 billion and $17 million, respectively, of loans that are carried at fair value.

(4)The fourth quarter of 2013 NCLs include approximately $184 million related to: 1) a change in charge-off policy for mortgages originated in Citi’s legacy CitiFinancial North America business (CFNA) to more closely align to policies used in the CitiMortgage (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)
	Second		First		Second		Second		First		Second		Second		First		Second
	Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter
In millions of dollars, except as otherwise noted	2013		2013		2014(5)		2013		2013		2014(5)		2013		2013		2014(5)
Assets:
Deposits with Banks	$	130,920	$	174,916	$	160,555	$	252	$	252	$	250	0.77	%	0.58	%	0.62	%
Fed Funds Sold and Resale Agreements (6)	275,625		255,194		265,423		702		594		592		1.02	%	0.94	%	0.89	%
Trading Account Assets (7)	263,010		234,414		234,219		1,703		1,519		1,487		2.60	%	2.63	%	2.55	%
Investments	307,441		307,740		323,269		1,786		1,847		1,889		2.33	%	2.43	%	2.34	%
Total Loans (net of Unearned Income) (8)	642,370		658,706		665,071		11,309		11,186		11,367		7.06	%	6.89	%	6.86	%
Other Interest-Earning Assets	46,606		33,891		39,088		230		80		97		1.98	%	0.96	%	1.00	%
Total Average Interest-Earning Assets	$	1,665,972	$	1,664,861	$	1,687,625	$	15,982	$	15,478	$	15,682	3.85	%	3.77	%	3.73	%
Liabilities:
Deposits (excluding deposit insurance and FDIC Assessment)	$	738,610	$	760,923	$	756,602	$	1,294	$	1,168	$	1,218	0.70	%	0.62	%	0.65	%
Deposit Insurance and FDIC Assessment	—		—		—		289		281		251
Total Deposits	738,610		760,923		756,602		1,583		1,449		1,469		0.86	%	0.77	%	0.78	%
Fed Funds Purchased and Repurchase Agreements (6)	243,131		197,146		193,302		630		525		537		1.04	%	1.08	%	1.11	%
Trading Account Liabilities (7)	81,883		72,837		82,330		43		41		48		0.21	%	0.23	%	0.23	%
Short-Term Borrowings	111,833		114,803		115,160		148		137		162		0.53	%	0.48	%	0.56	%
Long-Term Debt (9)	205,180		198,476		204,068		1,754		1,439		1,399		3.43	%	2.94	%	2.75	%
Total Average Interest-Bearing Liabilities	$	1,380,637	$	1,344,185	$	1,351,462	$	4,158	$	3,591	$	3,615	1.21	%	1.08	%	1.07	%
Total Average Interest-Bearing Liabilities (excluding deposit insurance and FDIC Assessment)	$	1,380,637	$	1,344,185	$	1,351,462	$	3,869	$	3,310	$	3,364	1.12	%	1.00	%	1.00	%
Net Interest Revenue as a % of Average Interest-Earning Assets (NIM)							$	11,824	$	11,887	$	12,067	2.85	%	2.90	%	2.87	%
NIR as a % of Average Interest-Earning Assets (NIM) (excluding deposit insurance and FDIC Assessment)							$	12,113	$	12,168	$	12,318	2.92	%	2.96	%	2.93	%
2Q14 Increase (Decrease) From													2	bps	(3	)bps
2Q14 Increase (Decrease) (excluding deposit insurance and FDIC Assessment) From													1	bps	(3	)bps

(1)Interest Revenue includes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $142 million for the second quarter of 2013, $128 million for the first quarter of 2013 and $121 million for the second quarter of 2014.

(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)

											2Q14 Increase
	2Q		3Q		4Q		1Q		2Q		(Decrease) from
	2013		2013		2013		2014		2014		1Q14		2Q13
Citicorp Deposits by Business
Global Consumer Banking
North America	$	165.9	$	168.6	$	170.2	$	172.6	$	170.6	(1	)%	3	%
EMEA	12.9		12.5		13.1		13.3		13.8		4	%	7	%
Latin America	45.8		46.6		47.4		48.0		48.6		1	%	6	%
Asia	101.2		101.6		101.4		103.0		105.0		2	%	4	%
Total	$	325.8	$	329.3	$	332.1	$	336.9	$	338.0	—		4	%
ICG
North America	$	157.0	$	173.2	$	183.0	$	186.0	$	182.5	(2	)%	16	%
EMEA	173.0		181.1		185.1		183.7		185.1		1	%	7	%
Latin America	57.3		62.8		59.9		65.2		64.6		(1	)%	13	%
Asia	145.4		149.2		146.1		139.0		145.0		4	%	—
Total	$	532.7	$	566.3	$	574.1	$	573.9	$	577.2	1	%	8	%
Corporate/Other	$	15.2	$	18.0	$	26.1	$	26.3	$	31.4	19	%	NM
Total Citicorp	$	873.7	$	913.6	$	932.3	$	937.1	$	946.6	1	%	8	%
Total Citi Holdings	$	64.7	$	41.8	$	36.0	$	29.2	$	19.4	(34	)%	(70	)%
Total Citigroup Deposits - EOP	$	938.4	$	955.4	$	968.3	$	966.3	$	966.0	—		3	%
Total Citigroup Deposits - Average	$	924.5	$	922.1	$	956.4	$	957.4	$	959.5	—		4	%
FX Translation Impact:
Total Citigroup EOP Deposits - as Reported	$	938.4	$	955.4	$	968.3	$	966.3	$	966.0	—		3	%
Impact of FX Translation (1)	7.6		2.2		3		3.6		—
Total Citigroup EOP Deposits - Ex-FX (2)	$	946.0	$	957.6	$	971.3	$	969.9	$	966.0	—		2	%

(1)Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2014 exchange rates for all periods presented.

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

NM Not meaningful

Reclassified to conform to the current period’s presentation.

29

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

											2Q14 Increase
	2Q		3Q		4Q		1Q		2Q		(Decrease) from
	2013		2013		2013		2014		2014		1Q14		2Q13
Citicorp:
Global Consumer Banking
North America
Credit Cards	$	105.3	$	111.8	$	116.8	$	109.1	$	110.4	1	%	5	%
Retail Banking	41.7		43.2		44.1		45.0		46.2		3	%	11	%
Total	$	147.0	$	155.0	$	160.9	$	154.1	$	156.6	2	%	7	%
EMEA
Credit Cards	$	2.8	$	2.4	$	2.4	$	2.4	$	2.5	4	%	(11	)%
Retail Banking	5.3		5.5		5.6		5.8		6.0		3	%	13	%
Total	$	8.1	$	7.9	$	8.0	$	8.2	$	8.5	4	%	5	%
Latin America
Credit Cards	$	11.5	$	11.8	$	12.1	$	11.7	$	11.7	—		2	%
Retail Banking	29.4		29.0		30.3		30.2		30.8		2	%	5	%
Total	$	40.9	$	40.8	$	42.4	$	41.9	$	42.5	1	%	4	%
Asia
Credit Cards	$	18.9	$	18.7	$	19.1	$	18.6	$	19.3	4	%	2	%
Retail Banking	68.5		70.3		71.6		73.4		75.6		3	%	10	%
Total	$	87.4	$	89.0	$	90.7	$	92.0	$	94.9	3	%	9	%
Total Consumer Loans
Credit Cards	$	138.5	$	144.7	$	150.4	$	141.8	$	143.9	1	%	4	%
Retail Banking	144.9		148.0		151.6		154.4		158.6		3	%	9	%
Total Consumer	$	283.4	$	292.7	$	302.0	$	296.2	$	302.5	2	%	7	%
Total Corporate Loans
North America	$	99.1	$	103.0	$	105.8	$	107.3	$	108.9	1	%	10	%
EMEA	56.6		58.0		58.5		60.4		61.0		1	%	8	%
Latin America	37.6		39.4		39.8		41.4		41.0		(1	)%	9	%
Asia	66.9		68.3		66.6		69.4		71.7		3	%	7	%
Total Corporate Loans	$	260.2	$	268.7	$	270.7	$	278.5	$	282.6	1	%	9	%
Total Citicorp	$	543.6	$	561.4	$	572.7	$	574.7	$	585.1	2	%	8	%
FX Translation Impact:
Total Citicorp EOP Loans - as Reported	$	543.6	$	561.4	$	572.7	$	574.7	$	585.1	2	%	8	%
Impact of FX Translation (1)	3.3		1.5		2.3		2.9		—
Total Citicorp EOP Loans - Ex-FX (2)	$	546.9	$	562.9	$	575.0	$	577.6	$	585.1	1	%	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 second quarter of 2014 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)

											2Q14 Increase
	2Q		3Q		4Q		1Q		2Q		(Decrease) from
	2013		2013		2013		2014		2014		1Q14		2Q13
Citi Holdings:
Consumer - North America
Mortgages	79.8		76.3		73.3		70.9		66.9		(6	)%	(16	)%
Personal Loans	9.0		9.3		9.3		9.0		9.2		2	%	2	%
Other	2.9		2.7		2.7		2.4		2.4		—		(17	)%
Total	$	91.7	$	88.3	$	85.3	$	82.3	$	78.5	(5	)%	(14	)%
Consumer - International
Credit Cards	$	2.4	$	2.4	$	2.5	$	2.4	$	—	(100	)%	(100	)%
REL, Personal & Other	3.8		3.6		3.4		3.3		3.1		(6	)%	(18	)%
Total	$	6.2	$	6.0	$	5.9	$	5.7	$	3.1	(46	)%	(50	)%
Citi Holdings - Other	2.2		1.9		1.6		1.5		0.8		(47	)%	(64	)%
Total Citi Holdings	$	100.1	$	96.2	$	92.8	$	89.5	$	82.4	(8	)%	(18	)%
Total Citigroup	$	643.7	$	657.6	$	665.5	$	664.2	$	667.5	—		4	%
Consumer Loans	$	382.2	$	387.9	$	393.8	$	384.7	$	384.3	—		1	%
Corporate Loans	261.5		269.7		271.7		279.5		283.2		1	%	8	%
Total Citigroup	$	643.7	$	657.6	$	665.5	$	664.2	$	667.5	—		4	%
FX Translation Impact:
Total Citigroup EOP Loans - as Reported	$	643.7	$	657.6	$	665.5	$	664.2	$	667.5	—		4	%
Impact of FX Translation (1)	3.6		1.5		2.4		2.9		—
Total Citigroup EOP Loans - Ex-FX (2)	$	647.3	$	659.1	$	667.9	$	667.1	$	667.5	—		3	%

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

(1)Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the second quarter of 2014 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)															EOP Loans
	2Q			3Q			4Q			1Q			2Q			2Q
	2013			2013			2013			2014			2014			2014
Citicorp (2)
Total	$	2,644		$	2,699		$	2,973		$	2,908		$	2,805		$	302.5
Ratio	0.94		%	0.93		%	0.99		%	0.99		%	0.93		%
Retail Bank (2)
Total	$	849		$	872		$	952		$	992		$	1,015		$	158.6
Ratio	0.59		%	0.59		%	0.63		%	0.65		%	0.64		%
North America (2)	$	285		$	277		$	257		$	243		$	227		$	46.2
Ratio	0.71		%	0.66		%	0.60		%	0.55		%	0.50		%
EMEA	$	41		$	38		$	34		$	27		$	26		$	6.0
Ratio	0.77		%	0.69		%	0.61		%	0.47		%	0.43		%
Latin America	$	318		$	347		$	470		$	528		$	552		$	30.8
Ratio	1.08		%	1.20		%	1.55		%	1.75		%	1.79		%
Asia	$	205		$	210		$	191		$	194		$	210		$	75.6
Ratio	0.30		%	0.30		%	0.27		%	0.26		%	0.28		%
Cards
Total	$	1,795		$	1,827		$	2,021		$	1,916		$	1,790		$	143.9
Ratio	1.30		%	1.26		%	1.34		%	1.35		%	1.24		%
North America - Citi-Branded	$	663		$	628		$	681		$	648		$	583		$	67.3
Ratio	0.96		%	0.91		%	0.97		%	0.97		%	0.87		%
North America - Retail Services	$	556		$	650		$	771		$	689		$	606		$	43.1
Ratio	1.54		%	1.51		%	1.67		%	1.63		%	1.41		%
EMEA	$	44		$	34		$	32		$	31		$	31		$	2.5
Ratio	1.57		%	1.42		%	1.33		%	1.29		%	1.24		%
Latin America	$	323		$	326		$	349		$	349		$	364		$	11.7
Ratio	2.81		%	2.76		%	2.88		%	2.98		%	3.11		%
Asia	$	209		$	189		$	188		$	199		$	206		$	19.3
Ratio	1.11		%	1.01		%	0.98		%	1.07		%	1.07		%
Citi Holdings - Consumer (2) (3)	$	3,234		$	2,969		$	2,756		$	2,715		$	2,536		$	81.6
Ratio	3.59		%	3.42		%	3.28		%	3.35		%	3.32		%
International	$	242		$	177		$	162		$	170		$	66		$	3.1
Ratio	3.90		%	2.95		%	2.75		%	2.98		%	2.13		%
North America (2) (3)	$	2,992		$	2,792		$	2,594		$	2,545		$	2,470		$	78.5
Ratio	3.57		%	3.46		%	3.33		%	3.38		%	3.37		%
Other (4)																$	0.2
Total Citigroup (2) (3)	$	5,878		$	5,668		$	5,729		$	5,623		$	5,341		$	384.3
Ratio	1.58		%	1.50		%	1.49		%	1.50		%	1.41		%

(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 June 30, 2013, September 30, 2013, December 31, 2013, March 31, 2014 and June 30, 2014 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude $1.0 billion, $1.0 billion, $0.9 billion, $0.9 billion and $17 million, respectively, of loans that are carried at fair value.

(4)Represents loans classified as Consumer loans on the Consolidated Balance Sheet that are not included in the Citi Holdings Consumer credit metrics.

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)															EOP Loans
	2Q			3Q			4Q			1Q			2Q			2Q
	2013			2013			2013			2014			2014			2014
Citicorp (2)
Total	$	2,967		$	3,215		$	3,220		$	3,015		$	2,972		$	302.5
Ratio	1.05		%	1.10		%	1.07		%	1.02		%	0.99		%
Retail Bank (2)
Total	$	1,085		$	1,109		$	1,049		$	991		$	1,032		$	158.6
Ratio	0.76		%	0.76		%	0.70		%	0.65		%	0.66		%
North America (2)	$	217		$	209		$	205		$	177		$	203		$	46.2
Ratio	0.54		%	0.50		%	0.48		%	0.40		%	0.45		%
EMEA	$	68		$	57		$	51		$	52		$	50		$	6.0
Ratio	1.28		%	1.04		%	0.91		%	0.90		%	0.83		%
Latin America	$	368		$	445		$	395		$	370		$	373		$	30.8
Ratio	1.25		%	1.53		%	1.30		%	1.23		%	1.21		%
Asia	$	432		$	398		$	398		$	392		$	406		$	75.6
Ratio	0.63		%	0.57		%	0.56		%	0.53		%	0.54		%
Cards
Total	$	1,882		$	2,106		$	2,171		$	2,024		$	1,940		$	143.9
Ratio	1.36		%	1.46		%	1.44		%	1.43		%	1.35		%
North America - Citi-Branded	$	588		$	650		$	661		$	599		$	540		$	67.3
Ratio	0.85		%	0.94		%	0.94		%	0.90		%	0.80		%
North America - Retail Services	$	615		$	799		$	830		$	725		$	683		$	43.1
Ratio	1.71		%	1.86		%	1.79		%	1.71		%	1.58		%
EMEA	$	57		$	44		$	42		$	39		$	40		$	2.5
Ratio	2.04		%	1.83		%	1.75		%	1.63		%	1.60		%
Latin America	$	335		$	346		$	364		$	390		$	396		$	11.7
Ratio	2.91		%	2.93		%	3.01		%	3.33		%	3.38		%
Asia	$	287		$	267		$	274		$	271		$	281		$	19.3
Ratio	1.52		%	1.43		%	1.43		%	1.46		%	1.46		%
Citi Holdings - Consumer (2) (3)	$	3,151		$	2,845		$	2,724		$	2,297		$	2,260		$	81.6
Ratio	3.50		%	3.28		%	3.24		%	2.84		%	3.00		%
International	$	255		$	184		$	200		$	194		$	86		$	3.1
Ratio	4.11		%	3.07		%	3.39		%	3.40		%	2.77		%
North America (2) (3)	$	2,896		$	2,661		$	2,524		$	2,103		$	2,174		$	78.5
Ratio	3.45		%	3.30		%	3.24		%	2.79		%	2.97		%
Other (4)																$	0.2
Total Citigroup (2) (3)	$	6,118		$	6,060		$	5,944		$	5,312		$	5,232		$	384.3
Ratio	1.64		%	1.61		%	1.54		%	1.41		%	1.39		%

(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 June 30, 2013, September 30, 2013, December 31, 2013, March 31, 2014 and June 30, 2014 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude $1.0 billion, $1.0 billion, $0.9 billion, $0.9 billion and $17 million, respectively, of loans that are carried at fair value.

(4)Represents loans classified as Consumer loans on the Consolidated Balance Sheet that are not included in the Citi Holdings Consumer credit metrics.

Reclassified to conform to the current period’s presentation.

33

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

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Total Citigroup
Allowance for Loan Losses at Beginning of Period (1)	$	23,727		$	21,580		$	20,605		$	19,648		$	18,923						$	25,455		$	19,648
Gross Credit (Losses)	(3,257		)	(2,974		)	(3,094		)	(2,983		)	(2,812		)	6	%	14	%	(6,701		)	(5,795		)	14	%
Gross Recoveries	649			544			547			544			623			15	%	(4	)%	1,215			1,167			(4	)%
Net Credit (Losses) / Recoveries (NCLs)	(2,608		)	(2,430		)	(2,547		)	(2,439		)	(2,189		)	10	%	16	%	(5,486		)	(4,628		)	16	%
NCLs (2)	2,608			2,430			2,547			2,439			2,189			(10	)%	(16	)%	5,486			4,628			(16	)%
Net Reserve Builds / (Releases) (3)	(642		)	(767		)	(246		)	(560		)	(521		)	7	%	19	%	(948		)	(1,081		)	(14	)%
Net Specific Reserve Builds / (Releases) (3)	(139		)	(11		)	(390		)	(86		)	(89		)	(3	)%	36	%	(497		)	(175		)	65	%
Provision for Loan Losses	1,827			1,652			1,911			1,793			1,579			(12	)%	(14	)%	4,041			3,372			(17	)%
Other (4) (5) (6) (7) (8) (9)	(1,366		)	(197		)	(321		)	(79		)	(423		)	NM		69	%	(2,430		)	(502		)
Allowance for Loan Losses at End of Period (1) (a)	$	21,580		$	20,605		$	19,648		$	18,923		$	17,890						$	21,580		$	17,890
Allowance for Unfunded Lending Commitments (10) (a)	$	1,133		$	1,262		$	1,229		$	1,202		$	1,176						$	1,133		$	—
Provision for Unfunded Lending Commitments	$	(3	)	$	103		$	(34	)	$	(27	)	$	(31	)					$	11		$	(58	)
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	22,713		$	21,867		$	20,877		$	20,125		$	19,066						$	22,713		$	17,890
Total Allowance for Loan Losses as a Percentage of Total Loans (11)	3.38		%	3.16		%	2.97		%	2.87		%	2.70		%
Allowance for Loan Losses at End of Period (1):
Citicorp	$	13,425		$	13,299		$	13,174		$	12,870		$	12,473
Citi Holdings	8,155			7,306			6,474			6,053			5,417
Total Citigroup	$	21,580		$	20,605		$	19,648		$	18,923		$	17,890

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

(2)The fourth quarter of 2013 NCLs include approximately $184 million related to: 1) a change in charge-off policy for mortgages originated in Citi’s legacy CitiFinancial North America business (CFNA) to more closely align to policies used in the CitiMortgage (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 second quarter of 2013, third quarter of 2013, fourth quarter of 2013, first quarter of 2014 and second quarter of 2014 include $124 million, $91 million, $60 million, $32 million and $0 million, respectively, of builds related to gains / (losses) on loan sales.

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

(5)The second quarter of 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.

(6)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.

(7)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.

(8)The first quarter of 2014 includes a reduction of approximately $79 million related to the sale or transfers to held-for-sale of various loan portfolios.

(9)The second quarter of 2014 includes a reduction of approximately $480 million related to the sale or transfers to held-for-sale of various loan portfolios, including a reduction of approximately $204 million, $177 million and $29 million related to the transfers to held-for-sale (HFS) of businesses in Greece, Spain and Honduras, and $66 million related to a transfer of a real estate loan portfolio to HFS.  These amounts are partially offset by foreign currency translation on the entire allowance balance.

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

(11)June 30, 2013, September 30, 2013, December 31, 2013, March 31, 2014 and June 30, 2014 exclude $4.9 billion, $5.2 billion, $5.0 billion, $5.7 billion and $4.8 billion, respectively, of loans which are carried at fair value.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

34

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

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Total Citigroup Consumer Loans
Allowance for Loan Losses at Beginning of Period (1)	$	20,948		$	18,872		$	17,912		$	17,064		$	16,451						$	22,679		$	17,064
Net Credit Losses (NCLs)	(2,563		)	(2,334		)	(2,532		)	(2,294		)	(2,178		)	5	%	15	%	(5,396		)	(4,472		)	17	%
NCLs (2)	2,563			2,334			2,532			2,294			2,178			(5	)%	(15	)%	5,396			4,472			(17	)%
Net Reserve Builds / (Releases) (3)	(544		)	(785		)	(158		)	(459		)	(495		)	(8	)%	9	%	(819		)	(954		)	(16	)%
Net Specific Reserve Builds / (Releases) (3)	(169		)	34			(362		)	(76		)	(14		)	82	%	92	%	(569		)	(90		)	84	%
Provision for Loan Losses	1,850			1,583			2,012			1,759			1,669			(5	)%	(10	)%	4,008			3,428			(14	)%
Other (4) (5) (6) (7) (8) (9)	(1,363		)	(209		)	(328		)	(78		)	(422		)	NM		69	%	(2,419		)	(500		)	79	%
Allowance for Loan Losses at End of Period (1) (a)	$	18,872		$	17,912		$	17,064		$	16,451		$	15,520						$	18,872		$	15,520
Consumer Allowance for Unfunded Lending Commitments (10) (a)	$	27		$	66		$	65		$	62		$	64						$	27		$	—
Provision for Unfunded Lending Commitments	$	8		$	14		$	(2	)	$	(2	)	$	(3	)					$	23		$	(5	)
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	18,899		$	17,978		$	17,129		$	16,513		$	15,584						$	18,899		$	15,520
Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans (11)	4.95		%	4.63		%	4.34		%	4.29		%	4.04		%
Total Citigroup Corporate Loans
Allowance for Loan Losses at Beginning of Period	$	2,779		$	2,708		$	2,693		$	2,584		$	2,472						$	2,776		$	2,584
Net Credit (Losses) / Recoveries (NCL’s)	(45		)	(96		)	(15		)	(145		)	(11		)	92	%	76	%	(90		)	(156		)	(73	)%
NCLs	45			96			15			145			11			(92	)%	(76	)%	90			156			73	%
Net Reserve Builds / (Releases)	(98		)	18			(88		)	(101		)	(26		)	74	%	73	%	(129		)	(127		)	2	%
Net Specific Reserve Builds / (Releases)	30			(45		)	(28		)	(10		)	(75		)	NM		NM		72			(85		)	NM
Provision for Loan Losses	(23		)	69			(101		)	34			(90		)	NM		NM		33			(56		)	NM
Other (4)	(3		)	12			7			(1		)	(1		)					(11		)	(2		)
Allowance for Loan Losses at End of Period (1) (b)	$	2,708		$	2,693		$	2,584		$	2,472		$	2,370						$	2,708		$	2,370
Corporate Allowance for Unfunded Lending Commitments (10) (b)	$	1,106		$	1,196		$	1,164		$	1,140		$	1,112						$	1,106		$	—
Provision for Unfunded Lending Commitments	$	(11	)	$	89		$	(32	)	$	(25	)	$	(28	)					$	(12	)	$	(53	)
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (b)]	$	3,814		$	3,889		$	3,748		$	3,612		$	3,482						$	3,814		$	2,370
Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans (12)	1.05		%	1.01		%	0.97		%	0.90		%	0.85		%

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)The second quarter of 2013, third quarter of 2013, fourth quarter of 2013, first quarter of 2014 and second quarter of 2014 include $124 million, $91 million, $60 million, $32 million and $0 million, respectively, of builds related to gains / (losses) on loan sales.

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

(5)The second quarter of 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.

(6)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.

(7)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.

(8)The first quarter of 2014 includes a reduction of approximately $79 million related to the sale or transfers to held-for-sale of various loan portfolios.

(9)The second quarter of 2014 includes a reduction of approximately $480 million related to the sale or transfers to held-for-sale of various loan portfolios, including a reduction of approximately $204 million, $177 million and $29 million related to the transfers to held-for-sale (HFS) of businesses in Greece, Spain and Honduras, and $66 million related to a transfer of a real estate loan portfolio to HFS.  These amounts are partially offset by foreign currency translation on the entire allowance balance.

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

(11)June 30, 2013, September 30, 2013, December 31, 2013, March 31, 2014 and June 30, 2014 exclude $1.0 billion, $1.0 billion, $0.9 billion, $0.9 billion and $46 million, respectively, of loans which are carried at fair value.

(12)June 30, 2013, September 30, 2013, December 31, 2013, March 31, 2014 and June 30, 2014 exclude $3.8 billion, $4.2 billion, $4.1 billion, $4.8 billion and $4.8 billion, respectively, of loans which are carried at fair value.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

36

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

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Citicorp
Net Credit Losses	$	1,838		$	1,795		$	1,812		$	1,920		$	1,790		(7	)%	(3	)%	$	3,786		$	3,710		(2	)%
Credit Reserve Build / (Release)	(301		)	(104		)	(104		)	(305		)	(414		)	(36	)%	(38	)%	(618		)	(719		)	(16	)%
Global Consumer Banking
Net Credit Losses	1,785			1,730			1,787			1,786			1,781			—		—		3,694			3,567			(3	)%
Credit Reserve Build / (Release)	(237		)	(85		)	(7		)	(218		)	(318		)	(46	)%	(34	)%	(577		)	(536		)	7	%
North America Regional Consumer Banking
Net Credit Losses	1,190			1,083			1,106			1,103			1,070			(3	)%	(10	)%	2,445			2,173			(11	)%
Credit Reserve Build / (Release)	(351		)	(228		)	(87		)	(271		)	(397		)	(46	)%	(13	)%	(721		)	(668		)	7	%
Retail Banking
Net Credit Losses	44			38			47			35			35			—		(20	)%	99			70			(29	)%
Credit Reserve Build / (Release)	(2		)	9			(20		)	(4		)	(28		)	NM		NM		(11		)	(32		)	NM
Citi-Branded Cards
Net Credit Losses	665			610			588			587			570			(3	)%	(14	)%	1,357			1,157			(15	)%
Credit Reserve Build / (Release)	(176		)	(156		)	(76		)	(188		)	(223		)	(19	)%	(27	)%	(304		)	(411		)	(35	)%
Citi Retail Services
Net Credit Losses	481			435			471			481			465			(3	)%	(3	)%	989			946			(4	)%
Credit Reserve Build / (Release)	(173		)	(81		)	9			(79		)	(146		)	(85	)%	16	%	(406		)	(225		)	45	%
EMEA Regional Consumer Banking
Net Credit Losses	(1		)	21			19			11			20			82	%	NM		28			31			11	%
Credit Reserve Build / (Release)	(9		)	3			(1		)	—			3			NM		NM		(20		)	3			NM
Retail Banking
Net Credit Losses	(2		)	11			8			2			8			NM		NM		7			10			43	%
Credit Reserve Build / (Release)	(5		)	3			(3		)	3			(1		)	NM		80	%	(15		)	2			NM
Citi-Branded Cards
Net Credit Losses	1			10			11			9			12			33	%	NM		21			21			—
Credit Reserve Build / (Release)	(4		)	—			2			(3		)	4			NM		NM		(5		)	1			NM
Latin America Regional Consumer Banking
Net Credit Losses	416			434			458			469			493			5	%	19	%	835			962			15	%
Credit Reserve Build / (Release)	104			168			66			56			111			98	%	7	%	142			167			18	%
Retail Banking
Net Credit Losses	204			209			224			215			222			3	%	9	%	411			437			6	%
Credit Reserve Build / (Release)	80			126			28			8			18			NM		(78	)%	89			26			(71	)%
Citi-Branded Cards
Net Credit Losses	212			225			234			254			271			7	%	28	%	424			525			24	%
Credit Reserve Build / (Release)	24			42			38			48			93			94	%	NM		53			141			NM
Asia Regional Consumer Banking
Net Credit Losses	180			192			204			203			198			(2	)%	10	%	386			401			4	%
Credit Reserve Build / (Release)	19			(28		)	15			(3		)	(35		)	NM		NM		22			(38		)	NM
Retail Banking
Net Credit Losses	53			78			91			91			75			(18	)%	42	%	120			166			38	%
Credit Reserve Build / (Release)	42			(11		)	14			(1		)	(22		)	NM		NM		42			(23		)	NM
Citi-Branded Cards
Net Credit Losses	127			114			113			112			123			10	%	(3	)%	266			235			(12	)%
Credit Reserve Build / (Release)	(23		)	(17		)	1			(2		)	(13		)	NM		43	%	(20		)	(15		)	25	%
Institutional Clients Group (ICG)
Net Credit Losses	53			65			25			134			9			(93	)%	(83	)%	92			143			55	%
Credit Reserve Build / (Release)	(64		)	(19		)	(97		)	(87		)	(96		)	(10	)%	(50	)%	(41		)	(183		)	NM
Corporate / Other
Net Credit Losses	—			—			—			—			—			—		—		—			—			—
Credit Reserve Build / (Release)	—			—			—			—			—			—		—		—			—			—
Total Citicorp Provision for Loan Losses	$	1,537		$	1,691		$	1,708		$	1,615		$	1,376		(15	)%	(10	)%	$	3,168		$	2,991		(6	)%

NM  Not meaningful

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)

																2Q14 Increase				Six			Six			YTD 2014 vs.
	2Q			3Q			4Q			1Q			2Q			(Decrease) from				Months			Months			YTD 2013 Increase/
	2013			2013			2013			2014			2014			1Q14		2Q13		2013			2014			(Decrease)
Citi Holdings
Net Credit Losses	$	770		$	635		$	735		$	519		$	399		(23	)%	(48	)%	$	1,700		$	918		(46	)%
Credit Reserve Build / (Release)	(480		)	(674		)	(532		)	(341		)	(196		)	43	%	59	%	(827		)	(537		)	35	%
Total Citi Holdings Provision for Loan Losses	$	290		$	(39	)	$	203		$	178		$	203		14	%	(30	)%	$	873		$	381		(56	)%
Total Citicorp Provision for Loan Losses (from prior page)	$	1,537		$	1,691		$	1,708		$	1,615		$	1,376		(15	)%	(10	)%	$	3,168		$	2,991		(6	)%
Total Citigroup Provision for Loan Losses	$	1,827		$	1,652		$	1,911		$	1,793		$	1,579		(12	)%	(14	)%	$	4,041		$	3,372		(17	)%

Reclassified to conform to the current period’s presentation.

38

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

																2Q14 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2013			2013			2013			2014			2014			1Q14		2Q13
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	811		$	807		$	736		$	689		$	367		(47	)%	(55	)%
EMEA	972			975			766			461			363			(21	)%	(63	)%
Latin America	91			124			127			186			288			55	%	NM
Asia	270			272			279			284			200			(30	)%	(26	)%
Total	$	2,144		$	2,178		$	1,908		$	1,620		$	1,218		(25	)%	(43	)%
Consumer Non-Accrual Loans By Region (2)
North America	$	5,595		$	5,345		$	5,238		$	5,139		$	4,915		(4	)%	(12	)%
EMEA	234			147			138			131			101			(23	)%	(57	)%
Latin America	1,430			1,400			1,426			1,466			1,386			(5	)%	(3	)%
Asia	330			348			293			292			314			8	%	(5	)%
Total	$	7,589		$	7,240		$	7,095		$	7,028		$	6,716		(4	)%	(12	)%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
ICG	$	4		$	3		$	13		$	25		$	24		(4	)%	NM
Global Consumer Banking	39			46			46			52			56			8	%	44	%
Citi Holdings	339			334			338			311			302			(3	)%	(11	)%
Corporate/Other	9			20			20			21			20			(5	)%	NM
TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	391		$	403		$	417		$	409		$	402		(2	)%	3	%
OREO By Region:
North America	$	267		$	293		$	305		$	304		$	294		(3	)%	10	%
EMEA	76			62			59			50			44			(12	)%	(42	)%
Latin America	46			40			47			50			49			(2	)%	7	%
Asia	2			8			6			5			15			NM		NM
Total	$	391		$	403		$	417		$	409		$	402		(2	)%	3	%
Other Repossessed Assets (4)	$	—		$	—		$	—		$	—		$	—		—		—
Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	2,144		$	2,178		$	1,908		$	1,620		$	1,218		(25	)%	(43	)%
Consumer Non-Accrual Loans	7,589			7,240			7,095			7,028			6,716			(4	)%	(12	)%
Non-Accrual Loans (NAL)	9,733			9,418			9,003			8,648			7,934			(8	)%	(18	)%
OREO	391			403			417			409			402			(2	)%	3	%
Other Repossessed Assets	—			—			—			—			—			—		—
Non-Accrual Assets (NAA)	$	10,124		$	9,821		$	9,420		$	9,057		$	8,336		(8	)%	(18	)%
NAL as a % of Total Loans	1.51		%	1.43		%	1.35		%	1.30		%	1.19		%
NAA as a % of Total Assets	0.54		%	0.52		%	0.50		%	0.48		%	0.44		%
Allowance for Loan Losses as a % of NAL	222		%	219		%	218		%	219		%	225		%

(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.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

39

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

																2Q14 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2013			2013			2013			2014			2014			1Q14		2Q13
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	731		$	746		$	695		$	672		$	352		(48	)%	(52	)%
EMEA	658			676			489			396			319			(19	)%	(52	)%
Latin America	90			123			126			185			287			55	%	NM
Asia	268			262			270			275			192			(30	)%	(28	)%
Total	$	1,747		$	1,807		$	1,580		$	1,528		$	1,150		(25	)%	(34	)%
Consumer Non-Accrual Loans By Region (2)
North America	$	502		$	499		$	485		$	469		$	430		(8	)%	(14	)%
EMEA	91			70			61			51			46			(10	)%	(49	)%
Latin America	1,391			1,368			1,395			1,437			1,359			(5	)%	(2	)%
Asia	299			309			270			267			295			10	%	(1	)%
Total	$	2,283		$	2,246		$	2,211		$	2,224		$	2,130		(4	)%	(7	)%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
ICG	$	4		$	3		$	13		$	25		$	24		(4	)%	NM
Global Consumer Banking	39			46			46			52			56			8	%	44	%
Corporate/Other	9			20			20			21			20			(5	)%	NM
TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	52		$	69		$	79		$	98		$	100		2	%	92	%
OREO By Region:
North America	$	13		$	23		$	15		$	31		$	23		(26	)%	77	%
EMEA	5			6			15			16			16			—		NM
Latin America	32			32			43			46			46			—		44	%
Asia	2			8			6			5			15			NM		NM
Total	$	52		$	69		$	79		$	98		$	100		2	%	92	%
Other Repossessed Assets (4)	N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	1,747		$	1,807		$	1,580		$	1,528		$	1,150		(25	)%	(34	)%
Consumer Non-Accrual Loans	2,283			2,246			2,211			2,224			2,130			(4	)%	(7	)%
Non-Accrual Loans (NAL)	4,030			4,053			3,791			3,752			3,280			(13	)%	(19	)%
OREO	52			69			79			98			100			2	%	92	%
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	4,082		$	4,122		$	3,870		$	3,850		$	3,380		(12	)%	(17	)%
NAA as a % of Total Assets	0.23		%	0.23		%	0.22		%	0.22		%	0.19		%
Allowance for Loan Losses as a % of NAL	333		%	328		%	348		%	343		%	380		%

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.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

40

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

																2Q14 Increase
	2Q			3Q			4Q			1Q			2Q			(Decrease) from
	2013			2013			2013			2014			2014			1Q14		2Q13
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	80		$	61		$	41		$	17		$	15		(12	)%	(81	)%
EMEA	314			299			277			65			44			(32	)%	(86	)%
Latin America	1			1			1			1			1			—		—
Asia	2			10			9			9			8			(11	)%	NM
Total	$	397		$	371		$	328		$	92		$	68		(26	)%	(83	)%
Consumer Non-Accrual Loans By Region (2)
North America	$	5,093		$	4,846		$	4,753		$	4,670		$	4,485		(4	)%	(12	)%
EMEA	143			77			77			80			55			(31	)%	(62	)%
Latin America	39			32			31			29			27			(7	)%	(31	)%
Asia	31			39			23			25			19			(24	)%	(39	)%
Total	$	5,306		$	4,994		$	4,884		$	4,804		$	4,586		(5	)%	(14	)%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
OREO By Region (3):
North America	$	254		$	270		$	290		$	273		$	271		(1	)%	7	%
EMEA	71			56			44			34			28			(18	)%	(61	)%
Latin America	14			8			4			4			3			(25	)%	(79	)%
Asia	—			—			—			—			—			—		—
Total	$	339		$	334		$	338		$	311		$	302		(3	)%	(11	)%
Other Repossessed Assets (4)	N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	397		$	371		$	328		$	92		$	68		(26	)%	(83	)%
Consumer Non-Accrual Loans	5,306			4,994			4,884			4,804			4,586			(5	)%	(14	)%
Non-Accrual Loans (NAL)	5,703			5,365			5,212			4,896			4,654			(5	)%	(18	)%
OREO	339			334			338			311			302			(3	)%	(11	)%
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	6,042		$	5,699		$	5,550		$	5,207		$	4,956		(5	)%	(18	)%
NAA as a % of Total Assets	4.61		%	4.67		%	4.74		%	4.57		%	4.46		%
Allowance for Loan Losses as a % of NAL	143		%	136		%	124		%	124		%	116		%

N/ANot 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.

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CITIGROUP RECONCILIATION OF NON-GAAP FINANCIAL MEASURES (In millions of dollars, except per share amounts)

Tangible Book Value

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

	2Q		3Q		4Q		1Q		2Q
	2013		2013		2013		2014		2014
Tangible Book Value Per Share (on page 1):
Total Common Equity	$	191,633	$	195,603	$	197,601	$	201,244	$	202,394
Less:
Goodwill	24,896		25,098		25,009		25,008		25,087
Intangible Assets (Other than MSRs)	4,981		4,888		5,056		4,891		4,702
Goodwill and Intangible Assets (other than MSRs)
Related to Assets Held-for-Sale	267		267		—		—		116
Tangible Common Equity	$	161,489	$	165,350	$	167,536	$	171,345	$	172,489
Common Shares Outstanding, at period end	3,041.0		3,033.0		3,029.2		3,037.8		3,031.8
Tangible Book Value Per Share	$	53.10	$	54.52	$	55.31	$	56.40	$	56.89

Basel III Supplementary Leverage Ratio

Citigroup’s estimated Basel III SLR, as calculated under the final U.S. Basel III rules, represents the average for the quarter of the three monthly ratios of Tier 1 Capital to Total Leverage Exposure (i.e., the sum of the ratios calculated for April, May and June, divided by three).  Total Leverage Exposure is the sum of: (1) the carrying value of all on-balance sheet assets less applicable Tier 1 Capital deductions; (2) the potential future exposure on derivative contracts; (3) 10% of the notional amount of unconditionally cancellable commitments; and (4) the notional amount of certain other off-balance sheet exposures (e.g., other commitments and contingencies).  Citigroup’s estimated Basel III SLR and related components are based on its current interpretation, expectations and understanding of the final U.S. Basel III rules and are subject to, among other things, any changes to the final U.S. Basel III rules, ongoing regulatory review, any changes to those rules and further implementation guidance in the U.S.

	June 30,			September 30,			December 31,			March 31,			June 30,
	2013			2013			2013			2014			2014 (3)
Basel III Tier 1 Common Capital and Ratio (1)(2)
Citigroup Common Stockholders’ Equity(4)	$	191,672		$	195,662		$	197,694		$	201,350		$	202,511
Add: Qualifying noncontrolling interests	161			172			182			177			183
Regulatory Capital Adjustments and Deductions:
Less:
Accumulated net unrealized losses on cash flow hedges, net of tax(5)	(1,671		)	(1,341		)	(1,245		)	(1,127		)	(1,007		)
Cumulative unrealized net gain related to changes in fair value of financial liabilities attributable to the change in own creditworthiness, net of tax(6)	524			339			177			170			118
Intangible Assets:
Goodwill, net of related deferred tax liabilities(7)	24,553			24,721			24,518			24,314			24,465
Identifiable intangible assets other than mortgage servicing rights (MSRs), net of related deferred tax liabilities	5,057			4,966			4,950			4,692			4,506
Defined benefit pension plan net assets	876			954			1,125			1,178			1,066
Deferred tax assets (DTAs) arising from net operating loss, foreign tax credit and general business credit carry-forwards, excess over 10% / 15% limitations for other DTAs, certain common stock investments, MSRs(8) and other	45,347			44,504			42,754			40,375			37,981
Total Basel III Tier 1 Common Capital	$	117,147		$	121,691		$	125,597		$	131,925		$	135,565
Basel III Risk-Weighted Assets (RWA)	$	1,168,000		$	1,159,000		$	1,242,000	(9)	$	1,261,000		$	1,274,000
Basel III Tier 1 Common Capital Ratio	10.0		%	10.5		%	10.1		%(9)	10.5		%	10.6		%

(1)Certain reclassifications have been made to prior period presentation to conform to the current period.

(2)Citi’s estimated Basel III Tier 1 Common ratio and related components as of June 30, 2013 are based on the proposed U.S. Basel III rules, and with full implementation assumed for capital components; whereas September 30, 2013 and after are based on the final U.S. Basel III rules, and with full implementation assumed for capital components. Estimated Basel III risk-weighted assets are based on the “advanced approaches” for determining total risk-weighted assets for all periods. Citigroup’s estimated Basel III Tier 1 Common ratio and related components are based on its current interpretation, expectations and understanding of the final U.S. Basel III rules and are subject to, among other things, any changes to the final U.S. Basel III rules, ongoing regulatory review, regulatory approval of Citi’s credit, market and operational risk models, additional refinements, modifications or enhancements (whether required or otherwise) to Citi’s models and further implementation guidance in the U.S.

(3)Preliminary.

(4)Excludes issuance costs related to preferred stock outstanding in accordance with Federal Reserve Board regulatory reporting requirements.

(5)Tier 1 Common Capital is adjusted for accumulated net unrealized gains (losses) on cash flow hedges included in accumulated other comprehensive income that relate to the hedging of items not recognized at fair value on the balance sheet.

(6)The cumulative impact of changes in Citigroup’s own creditworthiness in valuing liabilities for which the fair value option has been elected and own-credit valuation adjustments on derivatives are excluded from Tier 1 Common Capital, in accordance with the final U.S. Basel III rules.

(7)Includes goodwill “embedded” in the valuation of significant common stock investments in unconsolidated financial institutions.

(8)Aside from MSRs, reflects DTAs arising from temporary differences and significant common stock investments in unconsolidated financials institutions.

(9)4Q’13 estimated Basel III Tier 1 Common ratio was adjusted to include, on a pro forma basis, approximately $56 billion of additional operational risk risk-weighted assets related to Citigroup’s approved exit from Basel III parallel reporting, effective in 2Q’14.

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