Citigroup (C) 8-K Second Quarter 2019 Results and Key Metrics

Exhibit 99.2

CITIGROUP - QUARTERLY FINANCIAL DATA SUPPLEMENT	2Q19
	Page
Citigroup Consolidated
Financial Summary	1
Consolidated Statement of Income	2
Consolidated Balance Sheet	3
Segment Detail
Net Revenues	4
Income & Regional Average Assets and ROA	5
Global Consumer Banking (GCB)	6
Retail Banking and Cards Key Indicators	7
North America	8 - 10
Latin America(1)	11 - 12
Asia(2)	13 - 14
Institutional Clients Group (ICG)	15
Revenues by Business	16
Corporate / Other	17
Citigroup Supplemental Detail
Average Balances and Interest Rates	18
Deposits	19
Loans (EOP)	20
Consumer Loan Delinquency Amounts and Ratios
90+ Days	21
30-89 Days	22
Allowance for Credit Losses	23 - 24
Components of Provision for Loan Losses	25
Non-Accrual Assets	26
CET1 Capital and Supplementary Leverage Ratios, Tangible Common Equity,	27
Book Value Per Share and Tangible Book Value Per Share

(1) Latin America GCB consists of Citi's consumer banking operations in Mexico.

(2) Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.

CITIGROUP -- FINANCIAL SUMMARY

(In millions of dollars, except per share amounts, and as otherwise noted)

	2Q		3Q		4Q		1Q		2Q		2Q19 Increase/ (Decrease) from		Six Months		Six Months		YTD 2019 vs. YTD 2018 Increase/
	2018		2018		2018		2019		2019		1Q19	2Q18	2018		2019		(Decrease)
Total Revenues, Net of Interest Expense	$	18,469	$	18,389	$	17,124	$	18,576	$	18,758	1%	2%	$	37,341	$	37,334	-
Total Operating Expenses		10,712		10,311		9,893		10,584		10,500	(1%)	(2%)		21,637		21,084	(3%)
Net Credit Losses (NCLs)		1,704		1,756		1,786		1,948		1,963	1%	15%		3,571		3,911	10%
Credit Reserve Build / (Release)		91		150		64		(4)		126	NM	38%		27		122	NM
Provision / (Release) for Unfunded Lending Commitments		(4)		42		47		24		(15)	NM	NM		24		9	(63%)
Provision for Benefits and Claims		21		26		28		12		19	58%	(10%)		47		31	(34%)
Provisions for Credit Losses and for Benefits and Claims	$	1,812	$	1,974	$	1,925	$	1,980	$	2,093	6%	16%	$	3,669	$	4,073	11%
Income from Continuing Operations before Income Taxes	$	5,945	$	6,104	$	5,306	$	6,012	$	6,165	3%	4%	$	12,035	$	12,177	1%
Income Taxes(1)		1,444		1,471		1,001		1,275		1,373	8%	(5%)		2,885		2,648	(8%)
Income from Continuing Operations	$	4,501	$	4,633	$	4,305	$	4,737	$	4,792	1%	6%	$	9,150	$	9,529	4%
Income (Loss) from Discontinued Operations, net of Taxes		15		(8)		(8)		(2)		17	NM	13%		8		15	88%
Net Income before Noncontrolling Interests	$	4,516	$	4,625	$	4,297	$	4,735	$	4,809	2%	6%	$	9,158	$	9,544	4%
Net Income (Loss) Attributable to Noncontrolling Interests		26		3		(16)		25		10	(60%)	(62%)		48		35	(27%)
Citigroup's Net Income	$	4,490	$	4,622	$	4,313	$	4,710	$	4,799	2%	7%	$	9,110	$	9,509	4%
Diluted Earnings Per Share:
Income from Continuing Operations	$	1.62	$	1.74	$	1.65	$	1.87	$	1.94	4%	20%	$	3.30	$	3.81	15%
Citigroup's Net Income	$	1.63	$	1.73	$	1.64	$	1.87	$	1.95	4%	20%	$	3.31	$	3.82	15%
Shares (in millions):
Average Basic		2,530.9		2,479.8		2,401.1		2,340.4		2,286.1	(2%)	(10%)		2,546.2		2,313.2	(9%)
Average Diluted		2,532.3		2,481.4		2,402.7		2,342.4		2,289.0	(2%)	(10%)		2,547.6		2,315.7	(9%)
Common Shares Outstanding, at period end		2,516.6		2,442.1		2,368.5		2,312.5		2,259.1	(2%)	(10%)
Preferred Dividends	$	318	$	270	$	313	$	262	$	296	13%	(7%)	$	590	$	558	(5%)
Income Allocated to Unrestricted Common Shareholders - Basic
Income from Continuing Operations	$	4,108	$	4,309	$	3,960	$	4,391	$	4,436	1%	8%	$	8,412	$	8,827	5%
Citigroup's Net Income	$	4,123	$	4,301	$	3,952	$	4,389	$	4,453	1%	8%	$	8,430	$	8,842	5%
Income Allocated to Unrestricted Common Shareholders - Diluted
Income from Continuing Operations	$	4,108	$	4,309	$	3,960	$	4,391	$	4,436	1%	8%	$	8,412	$	8,827	5%
Citigroup's Net Income	$	4,123	$	4,301	$	3,952	$	4,389	$	4,453	1%	8%	$	8,430	$	8,842	5%
Regulatory Capital Ratios and Performance Metrics:
Common Equity Tier 1 (CET1) Capital Ratio (2) (3)		12.14%		11.73%		11.86%		11.91%		11.9%
Tier 1 Capital Ratio(2) (3)		13.77%		13.36%		13.46%		13.47%		13.5%
Total Capital Ratio(2) (3)		16.31%		15.98%		16.18%		16.44%		16.5%
Supplementary Leverage Ratio (SLR)(3) (4)		6.60%		6.50%		6.41%		6.44%		6.4%
Return on Average Assets		0.94%		0.95%		0.88%		0.98%		0.97%				0.96%		0.98%
Return on Average Common Equity		9.2%		9.6%		9.0%		10.2%		10.1%				9.5%		10.2%
Efficiency Ratio (Total Operating Expenses/Total Revenues, net)		58.0%		56.1%		57.8%		57.0%		56.0%				57.9%		56.5%
Balance Sheet Data (in billions of dollars, except per share amounts) (3):
Total Assets	$	1,912.3	$	1,925.2	$	1,917.4	$	1,958.4	$	1,988.2	2%	4%
Total Average Assets		1,917.1		1,922.8		1,936.8		1,939.4		1,979.1	2%	3%	$	1,910.7	$	1,959.3	3%
Total Deposits		996.7		1,005.2		1,013.2		1,030.4		1,045.6	1%	5%
Citigroup's Stockholders' Equity		200.1		197.0		196.2		196.3		197.4	1%	(1%)
Book Value Per Share		71.95		72.88		75.05		77.09		79.40	3%	10%
Tangible Book Value Per Share (5)		61.29		61.91		63.79		65.55		67.64	3%	10%
Direct Staff (in thousands)		205		206		204		203		200	(1%)	(2%)
(1)      4Q18 includes a one-time benefit of $94 million, recorded in the tax line in Corporate/Other, due to the finalization of the provisional component of the impact based on Citi’s analysis, as well as additional guidance received from the U.S. Treasury Department related to the enactment of the Tax Cuts and Jobs Act. (2)      For all periods presented, Citi's reportable CET1 Capital and Tier 1 Capital ratios were derived under the U.S. Basel III Standardized Approach, whereas Citi's reportable Total Capital ratios were derived under the U.S. Basel III Advanced Approaches framework. The reportable ratios represent the lower of each of the three risk-based capital ratios (CET1 Capital, Tier 1 Capital and Total Capital) under both the Standardized Approach and the Advanced Approaches under the Collins Amendment. For the composition of Citi's CET1 Capital and ratio, see page 27. (3)      June 30, 2019 is preliminary. (4)      For the composition of Citi's SLR, see page 27. (5)      Tangible book value per share is a non-GAAP financial measure. For a reconciliation of this measure to reported results, see page 27. Note: Ratios and variance percentages are calculated based on the displayed amounts. Due to averaging and roundings, quarterly earnings per share may not sum to the YTD totals. NM Not meaningful. Reclassified to conform to the current period's presentation.

Page 1

CITIGROUP CONSOLIDATED STATEMENT OF INCOME

(In millions of dollars)

	2Q		3Q		4Q		1Q		2Q		2Q19 Increase/ (Decrease) from		Six Months		Six Months		YTD 2019 vs. YTD 2018 Increase/
	2018		2018		2018		2019		2019		1Q19	2Q18	2018		2019		(Decrease)
Revenues
Interest revenue	$	17,550	$	18,170	$	18,776	$	19,076	$	19,712	3%	12%	$	33,882	$	38,788	14%
Interest expense		5,885		6,368		6,853		7,317		7,762	6%	32%		11,045		15,079	37%
Net interest revenue		11,665		11,802		11,923		11,759		11,950	2%	2%		22,837		23,709	4%
Commissions and fees		3,111		2,803		2,913		2,926		2,881	(2%)	(7%)		6,141		5,807	(5%)
Principal transactions		2,126		2,364		1,173		2,804		1,874	(33%)	(12%)		5,368		4,678	(13%)
Administrative and other fiduciary fees		934		911		830		839		869	4%	(7%)		1,839		1,708	(7%)
Realized gains (losses) on investments		102		69		80		130		468	NM	NM		272		598	NM
Other-than-temporary impairment losses on investments and other assets		(15)		(70)		(19)		(8)		(5)	38%	67%		(43)		(13)	70%
Other revenue		546		510		224		126		721	NM	32%		927		847	(9%)
Total non-interest revenues		6,804		6,587		5,201		6,817		6,808	-	-		14,504		13,625	(6%)
Total revenues, net of interest expense		18,469		18,389		17,124		18,576		18,758	1%	2%		37,341		37,334	-
Provisions for Credit Losses and for Benefits and Claims
Net credit losses		1,704		1,756		1,786		1,948		1,963	1%	15%		3,571		3,911	10%
Credit reserve build / (release)		91		150		64		(4)		126	NM	38%		27		122	NM
Provision for loan losses		1,795		1,906		1,850		1,944		2,089	7%	16%		3,598		4,033	12%
Provision for Policyholder benefits and claims		21		26		28		12		19	58%	(10%)		47		31	(34%)
Provision for unfunded lending commitments		(4)		42		47		24		(15)	NM	NM		24		9	(63%)
Total provisions for credit losses and for benefits and claims		1,812		1,974		1,925		1,980		2,093	6%	16%		3,669		4,073	11%
Operating Expenses
Compensation and benefits		5,452		5,319		4,576		5,658		5,381	(5%)	(1%)		11,259		11,039	(2%)
Premises and Equipment		570		565		596		564		569	1%	-		1,163		1,133	(3%)
Technology / communication expense		1,797		1,806		1,832		1,720		1,724	-	(4%)		3,555		3,444	(3%)
Advertising and marketing expense		411		378		375		359		434	21%	6%		792		793	-
Other operating		2,482		2,243		2,514		2,283		2,392	5%	(4%)		4,868		4,675	(4%)
Total operating expenses		10,712		10,311		9,893		10,584		10,500	(1%)	(2%)		21,637		21,084	(3%)
Income from Continuing Operations before
Income Taxes		5,945		6,104		5,306		6,012		6,165	3%	4%		12,035		12,177	1%
Provision for income taxes		1,444		1,471		1,001		1,275		1,373	8%	(5%)		2,885		2,648	(8%)
Income (Loss) from Continuing Operations		4,501		4,633		4,305		4,737		4,792	1%	6%		9,150		9,529	4%
Discontinued Operations
Income (Loss) from Discontinued Operations		(2)		(8)		(9)		(2)		(10)	NM	NM		(9)		(12)	(33%)
Provision (benefits) for income taxes		(17)		-		(1)		-		(27)	NM	(59%)		(17)		(27)	(59%)
Income (Loss) from Discontinued Operations, net of taxes		15		(8)		(8)		(2)		17	NM	13%		8		15	88%
Net Income before Noncontrolling Interests		4,516		4,625		4,297		4,735		4,809	2%	6%		9,158		9,544	4%
Net Income (Loss) attributable to noncontrolling interests		26		3		(16)		25		10	(60%)	(62%)		48		35	(27%)
Citigroup's Net Income	$	4,490	$	4,622	$	4,313	$	4,710	$	4,799	2%	7%	$	9,110	$	9,509	4%

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 2

CITIGROUP CONSOLIDATED BALANCE SHEET

(In millions of dollars)

											2Q19 Increase/
	June 30,		September 30,		December 31,		March 31,		June 30,		(Decrease) from
	2018		2018		2018		2019		2019 (1)		1Q19	2Q18
Assets
Cash and due from banks (including segregated cash and other deposits)	$	21,077	$	25,727	$	23,645	$	24,448	$	24,997	2%	19%
Deposits with banks		179,825		173,559		164,460		181,445		178,246	(2%)	(1%)
Fed funds sold and securities borr'd or purch under agree. to resell		265,526		280,941		270,684		264,495		259,769	(2%)	(2%)
Brokerage receivables		36,977		40,679		35,450		44,500		50,027	12%	35%
Trading account assets		262,949		257,502		256,117		286,511		306,831	7%	17%
Investments
Available-for-sale and non-marketable equity securities		296,819		292,264		295,250		282,439		281,009	(1%)	(5%)
Held-to-maturity		52,897		53,249		63,357		66,842		68,693	3%	30%
Total Investments		349,716		345,513		358,607		349,281		349,702	-	-
Loans, net of unearned income
Consumer		323,632		325,469		330,487		319,887		325,995	2%	1%
Corporate		347,548		349,440		353,709		362,459		362,675	-	4%
Loans, net of unearned income		671,180		674,909		684,196		682,346		688,670	1%	3%
Allowance for loan losses		(12,126)		(12,336)		(12,315)		(12,329)		(12,466)	(1%)	(3%)
Total loans, net		659,054		662,573		671,881		670,017		676,204	1%	3%
Goodwill		22,058		22,187		22,046		22,037		22,065	-	-
Intangible assets (including MSRs)		5,325		5,216		5,220		5,196		5,026	(3%)	(6%)
Other assets		109,827		111,268		109,273		110,483		115,359	4%	5%
Total assets	$	1,912,334	$	1,925,165	$	1,917,383	$	1,958,413	$	1,988,226	2%	4%
Liabilities
Non-interest-bearing deposits in U.S. offices	$	117,473	$	111,446	$	105,836	$	101,354	$	95,659	(6%)	(19%)
Interest-bearing deposits in U.S. offices		337,228		351,291		361,573		373,339		382,738	3%	13%
Total U.S. Deposits		454,701		462,737		467,409		474,693		478,397	1%	5%
Non-interest-bearing deposits in offices outside the U.S.		86,241		83,200		80,648		80,594		82,750	3%	(4%)
Interest-bearing deposits in offices outside the U.S.		455,788		459,239		465,113		475,068		484,460	2%	6%
Total International Deposits		542,029		542,439		545,761		555,662		567,210	2%	5%
Total deposits		996,730		1,005,176		1,013,170		1,030,355		1,045,607	1%	5%
Fed funds purch and securities loaned or sold under agree. to repurch.		177,828		175,915		177,768		190,372		181,133	(5%)	2%
Brokerage payables		67,672		73,346		64,571		62,656		69,839	11%	3%
Trading account liabilities		140,745		147,652		144,305		136,392		136,294	-	(3%)
Short-term borrowings		37,233		33,770		32,346		39,322		42,442	8%	14%
Long-term debt		236,822		235,270		231,999		243,566		252,189	4%	6%
Other liabilities(2)		54,336		56,173		56,150		58,735		62,612	7%	15%
Total liabilities	$	1,711,366	$	1,727,302	$	1,720,309	$	1,761,398	$	1,790,116	2%	5%
Equity
Stockholders' equity
Preferred stock	$	19,035	$	19,035	$	18,460	$	17,980	$	17,980	-	(6%)
Common stock		31		31		31		31		31	-	-
Additional paid-in capital		107,724		107,825		107,922		107,551		107,657	-	-
Retained earnings		145,211		148,436		151,347		154,859		158,321	2%	9%
Treasury stock		(34,413)		(39,678)		(44,370)		(47,861)		(51,427)	(7%)	(49%)
Accumulated other comprehensive income (loss)		(37,494)		(38,645)		(37,170)		(36,308)		(35,203)	3%	6%
Total common equity	$	181,059	$	177,969	$	177,760	$	178,272	$	179,379	1%	(1%)
Total Citigroup stockholders' equity	$	200,094	$	197,004	$	196,220	$	196,252	$	197,359	1%	(1%)
Noncontrolling interests		874		859		854		763		751	(2%)	(14%)
Total equity		200,968		197,863		197,074		197,015		198,110	1%	(1%)
Total liabilities and equity	$	1,912,334	$	1,925,165	$	1,917,383	$	1,958,413	$	1,988,226	2%	4%

(1) Preliminary.

(2) Includes allowance for credit losses for unfunded lending commitments. See page 23 for amounts by period.

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 3

SEGMENT DETAIL

NET REVENUES

(In millions of dollars)

											2Q19 Increase/		Six		Six		YTD 2019 vs.
	2Q		3Q		4Q		1Q		2Q		(Decrease) from		Months		Months		YTD 2018 Increase/
	2018		2018		2018		2019		2019		1Q19	2Q18	2018		2019		(Decrease)
Global Consumer Banking
North America	$	5,004	$	5,129	$	5,254	$	5,185	$	5,158	(1%)	3%	$	10,161	$	10,343	2%
Latin America		1,375		1,664		1,356		1,381		1,432	4%	4%		2,715		2,813	4%
Asia(1)		1,865		1,855		1,824		1,885		1,915	2%	3%		3,794		3,800	-
Total		8,244		8,648		8,434		8,451		8,505	1%	3%		16,670		16,956	2%
Institutional Clients Group
North America		3,511		3,329		2,809		3,119		3,478	12%	(1%)		6,777		6,597	(3%)
EMEA		3,043		2,927		2,633		3,170		2,960	(7%)	(3%)		6,210		6,130	(1%)
Latin America		1,168		1,061		1,083		1,160		1,195	3%	2%		2,384		2,355	(1%)
Asia		1,975		1,931		1,695		2,245		2,088	(7%)	6%		4,181		4,333	4%
Total		9,697		9,248		8,220		9,694		9,721	-	-		19,552		19,415	(1%)
Corporate / Other		528		493		470		431		532	23%	1%		1,119		963	(14%)
Total Citigroup - Net Revenues	$	18,469	$	18,389	$	17,124	$	18,576	$	18,758	1%	2%	$	37,341	$	37,334	-

(1) Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 4

SEGMENT DETAIL

INCOME

(In millions of dollars)

											2Q19 Increase/		Six		Six		YTD 2019 vs.
	2Q		3Q		4Q		1Q		2Q		(Decrease) from		Months		Months		YTD 2018 Increase/
	2018		2018		2018		2019		2019		1Q19	2Q18	2018		2019		(Decrease)
Income (Loss) from Continuing Operations:
Global Consumer Banking
North America	$	719	$	850	$	933	$	769	$	721	(6%)	-	$	1,557	$	1,490	(4%)
Latin America		197		331		208		252		262	4%	33%		376		514	37%
Asia (1)		360		383		378		416		430	3%	19%		733		846	15%
Total		1,276		1,564		1,519		1,437		1,413	(2%)	11%		2,666		2,850	7%
Institutional Clients Group
North America		1,030		871		745		714		1,022	43%	(1%)		1,888		1,736	(8%)
EMEA		986		971		819		1,125		1,005	(11%)	2%		2,099		2,130	1%
Latin America		517		544		346		503		491	(2%)	(5%)		1,011		994	(2%)
Asia		708		735		611		980		825	(16%)	17%		1,577		1,805	14%
Total		3,241		3,121		2,521		3,322		3,343	1%	3%		6,575		6,665	1%
Corporate / Other		(16)		(52)		265		(22)		36	NM	NM		(91)		14	NM
Income From Continuing Operations	$	4,501	$	4,633	$	4,305	$	4,737	$	4,792	1%	6%	$	9,150	$	9,529	4%
Discontinued Operations		15		(8)		(8)		(2)		17	NM	13%		8		15	88%
Net Income Attributable to Noncontrolling Interests		26		3		(16)		25		10	(60%)	(62%)		48		35	(27%)
Total Citigroup - Net Income	$	4,490	$	4,622	$	4,313	$	4,710	$	4,799	2%	7%	$	9,110	$	9,509	4%
Average Assets (in billions of dollars)
North America	$	979	$	998	$	1,010	$	999	$	1,028	3%	5%	$	975	$	1,012	4%
EMEA(1)		375		358		368		363		370	2%	(1%)		369		367	(1%)
Latin America		127		126		123		126		128	2%	1%		128		127	(1%)
Asia(1)		342		344		347		352		355	1%	4 %		345		354	3%
Corporate / Other		94		97		89		99		98	(1%)	4%		94		99	5%
Total	$	1,917	$	1,923	$	1,937	$	1,939	$	1,979	2%	3%	$	1,911	$	1,959	3%
Return on Average Assets (ROA) on Net Income (Loss)
North America		0.72%		0.69%		0.67%		0.60%		0.68%				0.71%		0.64%
EMEA(1)		1.04%		1.06%		0.87 %		1.24%		1.08%				1.13%		1.15%
Latin America		2.25%		2.76%		1.79%		2.43%		2.36%				2.19%		2.39%
Asia(1)		1.25%		1.29%		1.13%		1.61%		1.42%				1.35%		1.51%
Corporate/Other		(0.06%)		(0.28%)		1.21%		(0.16%)		0.22%				(0.22%)		0.03%
Total		0.94%		0.95%		0.88%		0.98%		0.97%				0.96%		0.98%

(1) Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.

NM  Not meaningful.

Reclassified to conform to the current period's presentation.

Page 5

GLOBAL CONSUMER BANKING

Page 1

(In millions of dollars, except as otherwise noted)

											2Q19 Increase/		Six		Six		YTD 2019 vs.
	2Q		3Q		4Q		1Q		2Q		(Decrease) from		Months		Months		YTD 2018 Increase/
	2018		2018		2018		2019		2019		1Q19	2Q18	2018		2019		(Decrease)
Net Interest Revenue	$	7,019	$	7,236	$	7,348	$	7,253	$	7,272	-	4%	$	13,999	$	14,525	4%
Non-Interest Revenue		1,225		1,412		1,086		1,198		1,233	3%	1%		2,671		2,431	(9%)
Total Revenues, Net of Interest Expense		8,244		8,648		8,434		8,451		8,505	1%	3%		16,670		16,956	2%
Total Operating Expenses		4,652		4,658		4,590		4,608		4,663	1%	-		9,329		9,271	(1%)
Net Credit Losses		1,726		1,714		1,744		1,891		1,889	-	9%		3,462		3,780	9%
Credit Reserve Build / (Release)		154		186		79		76		99	30%	(36%)		298		175	(41%)
Provision for Unfunded Lending Commitments		3		6		(8)		5		5	-	67%		2		10	NM
Provision for Benefits and Claims		22		27		28		12		19	58%	(14%)		48		31	(35%)
Provisions for Credit Losses and for Benefits and Claims (LLR & PBC)		1,905		1,933		1,843		1,984		2,012	1%	6%		3,810		3,996	5%
Income from Continuing Operations before Taxes		1,687		2,057		2,001		1,859		1,830	(2%)	8%		3,531		3,689	4%
Income Taxes		411		493		482		422		417	(1%)	1%		865		839	(3%)
Income from Continuing Operations		1,276		1,564		1,519		1,437		1,413	(2%)	11%		2,666		2,850	7%
Noncontrolling Interests		1		1		3		-		1	100%	-		3		1	(67%)
Net Income	$	1,275	$	1,563	$	1,516	$	1,437	$	1,412	(2%)	11%	$	2,663	$	2,849	7%
EOP Assets (in billions of dollars)	$	422	$	427	$	432	$	426	$	437	3%	4%
Average Assets (in billions of dollars)	$	417	$	424	$	428	$	426	$	431	1%	3%	$	420	$	429	2%
Return on Average Assets (ROA)		1.23%		1.46%		1.41%		1.37%		1.31%				1.28%		1.34%
Efficiency Ratio		56%		54%		54%		55%		55%				56%		55%
Net Credit Losses as a % of Average Loans		2.28%		2.22%		2.24%		2.48%		2.45%				2.29%		2.46%
Revenue by Business
Retail Banking	$	3,483	$	3,711	$	3,382	$	3,467	$	3,574	3%	3%	$	6,947	$	7,041	1%
Cards (1)		4,761		4,937		5,052		4,984		4,931	(1%)	4%		9,723		9,915	2%
Total	$	8,244	$	8,648	$	8,434	$	8,451	$	8,505	1%	3%	$	16,670	$	16,956	2%
Net Credit Losses by Business
Retail Banking	$	228	$	243	$	246	$	256	$	244	(5%)	7%	$	460	$	500	9%
Cards (1)		1,498		1,471		1,498		1,635		1,645	1%	10%		3,002		3,280	9%
Total	$	1,726	$	1,714	$	1,744	$	1,891	$	1,889	-	9%	$	3,462	$	3,780	9%
												��
Income from Continuing Operations by Business
Retail Banking	$	577	$	663	$	531	$	526	$	629	20%	9%	$	1,097	$	1,155	5%
Cards (1)		699		901		988		911		784	(14%)	12%		1,569		1,695	8%
Total	$	1,276	$	1,564	$	1,519	$	1,437	$	1,413	(2%)	11%	$	2,666	$	2,850	7%
Foreign Currency (FX) Translation Impact:
Total Revenue - as Reported	$	8,244	$	8,648	$	8,434	$	8,451	$	8,505	1%	3%	$	16,670	$	16,956	2%
Impact of FX Translation (2)		(29)		(45)		54		(17)		-				(142)		-
Total Revenues - Ex-FX (2)	$	8,215	$	8,603	$	8,488	$	8,434	$	8,505	1%	4%	$	16,528	$	16,956	3%
Total Operating Expenses – as Reported	$	4,652	$	4,658	$	4,590	$	4,608	$	4,663	1%	-	$	9,329	$	9,271	(1%)
Impact of FX Translation (2)		(23)		(23)		29		(12)		-				(93)		-
Total Operating Expenses - Ex-FX (2)	$	4,629	$	4,635	$	4,619	$	4,596	$	4,663	1%	1%	$	9,236	$	9,271	-
Total Provisions for LLR & PBC - as Reported	$	1,905	$	1,933	$	1,843	$	1,984	$	2,012	1%	6%	$	3,810	$	3,996	5%
Impact of FX Translation (2)		(2)		(11)		12		(3)		-				(22)		-
Total Provisions for LLR & PBC - Ex-FX (2)	$	1,903	$	1,922	$	1,855	$	1,981	$	2,012	2%	6%	$	3,788	$	3,996	5%
Net Income – as Reported	$	1,275	$	1,563	$	1,516	$	1,437	$	1,412	(2%)	11%	$	2,663	$	2,849	7%
Impact of FX Translation (2)		(4)		(8)		8		(1)		-				(19)		-
Net Income - Ex-FX (2)	$	1,271	$	1,555	$	1,524	$	1,436	$	1,412	(2%)	11%	$	2,644	$	2,849	8%

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

(2) Reflects the impact of foreign currency (FX) translation into U.S. Dollars at the second quarter of 2019 and year-to-date 2019 average exchange rates for all periods presented. Citigroup's results of operations excluding the impact of FX translation are non-GAAP financial measures.

NM  Not meaningful.

Reclassified to conform to the current period's presentation.

Page 6

GLOBAL CONSUMER BANKING

Page 2

											2Q19 Increase/
	2Q		3Q		4Q		1Q		2Q		(Decrease) from
	2018		2018		2018		2019		2019		1Q19	2Q18
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)		2,428		2,417		2,410		2,404		2,399	-	(1%)
Accounts (in millions)		53.9		54.0		54.5		55.0		55.5	1%	3%
Average Deposits	$	305.8	$	307.2	$	306.5	$	310.2	$	312.9	1%	2%
Investment Sales	$	23.9	$	23.7	$	21.2	$	24.7	$	26.2	6%	10%
Investment Assets under Management (AUMs)	$	162.7	$	169.0	$	158.1	$	171.4	$	175.8	3%	8%
Average Loans	$	145.6	$	145.9	$	145.0	$	146.5	$	147.4	1%	1%
EOP Loans:
Mortgages	$	80.5	$	80.9	$	80.6	$	80.8	$	81.9	1%	2%
Commercial Banking		36.5		37.2		36.3		37.1		37.6	1%	3%
Personal and Other		28.1		28.7		28.8		29.1		29.7	2%	6%
EOP Loans	$	145.1	$	146.8	$	145.7	$	147.0	$	149.2	1%	3%
Total Net Interest Revenue (in millions) (1)	$	2,425	$	2,424	$	2,423	$	2,410	$	2,434	1%	-
As a % of Average Loans		6.68%		6.59%		6.63%		6.67%		6.62%
Net Credit Losses (in millions)	$	228	$	243	$	246	$	256	$	244	(5%)	7%
As a % of Average Loans		0.63%		0.66%		0.67%		0.71%		0.66%
Loans 90+ Days Past Due (in millions) (2)	$	500	$	508	$	485	$	474	$	456	(4%)	(9%)
As a % of EOP Loans		0.35%		0.35%		0.33%		0.32%		0.31%
Loans 30-89 Days Past Due (in millions) (2)	$	754	$	857	$	790	$	769	$	869	13%	15%
As a % of EOP Loans		0.52%		0.59%		0.54%		0.53%		0.58%
Cards Key Indicators (in millions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)		140.3		141.4		141.8		140.1		139.5	-	(1%)
Purchase Sales (in billions)	$	133.6	$	134.9	$	144.1	$	128.0	$	142.0	11%	6%
Average Loans (in billions) (3)	$	157.5	$	160.9	$	163.4	$	162.7	$	162.0	-	3%
EOP Loans (in billions) (3)	$	160.9	$	162.2	$	169.5	$	160.3	$	165.1	3%	3%
Average Yield (4)		13.09%		13.37%		13.60%		13.95%		13.87%
Total  Net Interest Revenue (5)	$	4,594	$	4,812	$	4,925	$	4,843	$	4,838	-	5%
As a % of Average Loans (5)		11.70%		11.87%		11.96%		12.07%		11.98%
Net Credit Losses	$	1,498	$	1,471	$	1,498	$	1,635	$	1,645	1%	10%
As a % of Average Loans		3.81%		3.63%		3.64%		4.08%		4.07%
Net Credit Margin (6)	$	3,263	$	3,467	$	3,554	$	3,350	$	3,286	(2%)	1%
As a % of Average Loans (6)		8.31%		8.55%		8.63%		8.35%		8.14%
Loans 90+ Days Past Due	$	1,845	$	1,896	$	2,134	$	2,111	$	2,010	(5%)	9%
As a % of EOP Loans		1.15%		1.17%		1.26%		1.32%		1.22%
Loans 30-89 Days Past Due	$	1,804	$	2,033	$	2,112	$	2,007	$	1,952	(3%)	8%
As a % of EOP Loans		1.12%		1.25%		1.25%		1.25%		1.18%

(1) Also includes net interest revenue related to the average 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 exclude U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies. See footnote 2 on page 9.

(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 on loans 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.

Reclassified to conform to the current period's presentation.

Page 7

GLOBAL CONSUMER BANKING

NORTH AMERICA

Page 1

(In millions of dollars, except as otherwise noted)

											2Q19 Increase/		Six		Six		YTD 2019 vs.
	2Q		3Q		4Q		1Q		2Q		(Decrease) from		Months		Months		YTD 2018 Increase/
	2018		2018		2018		2019		2019		1Q19	2Q18	2018		2019		(Decrease)
Net Interest Revenue	$	4,780	$	4,984	$	5,107	$	5,058	$	5,030	(1%)	5%	$	9,530	$	10,088	6%
Non-Interest Revenue		224		145		147		127		128	1%	(43%)		631		255	(60%)
Total Revenues, Net of Interest Expense (1)		5,004		5,129		5,254		5,185		5,158	(1%)	3%		10,161		10,343	2%
Total Operating Expenses		2,666		2,668		2,652		2,669		2,720	2%	2%		5,311		5,389	1%
Net Credit Losses		1,278		1,242		1,281		1,429		1,428	-	12%		2,574		2,857	11%
Credit Reserve Build / (Release)		115		116		84		98		82	(16%)	(29%)		238		180	(24%)
Provision for Unfunded Lending Commitments		2		5		(3)		5		6	20%	NM		(2)		11	NM
Provision for Benefits and Claims		5		5		6		6		6	-	20%		11		12	9%
Provisions for Loan Losses and for Benefits and Claims		1,400		1,368		1,368		1,538		1,522	(1%)	9%		2,821		3,060	8%
Income from Continuing Operations before Taxes		938		1,093		1,234		978		916	(6%)	(2%)		2,029		1,894	(7%)
Income Taxes		219		243		301		209		195	(7%)	(11%)		472		404	(14%)
Income from Continuing Operations		719		850		933		769		721	(6%)	-		1,557		1,490	(4%)
Noncontrolling Interests		-		-		-		-		-	-	-		-		-	-
Net Income	$	719	$	850	$	933	$	769	$	721	(6%)	-	$	1,557	$	1,490	(4%)
Average Assets (in billions)	$	244	$	249	$	254	$	250	$	253	1%	4%	$	246	$	252	2%
Return on Average Assets		1.18%		1.35%		1.46%		1.25%		1.14%				1.28%		1.19%
Efficiency Ratio		53%		52%		50%		51%		53%				52%		52%
Net Credit Losses as a % of Average Loans		2.72%		2.56%		2.60%		2.97%		2.93%				2.74%		2.95%
Revenue by Business
Retail Banking	$	1,348	$	1,329	$	1,331	$	1,316	$	1,351	3%	-	$	2,655	$	2,667	-
Citi-Branded Cards		2,062		2,108		2,226		2,195		2,197	-	7%		4,294		4,392	2%
Citi Retail Services		1,594		1,692		1,697		1,674		1,610	(4%)	1%		3,212		3,284	2%
Total	$	5,004	$	5,129	$	5,254	$	5,185	$	5,158	(1%)	3%	$	10,161	$	10,343	2%
Net Credit Losses by Business
Retail Banking	$	32	$	32	$	31	$	60	$	51	(15%)	59%	$	75	$	111	48%
Citi-Branded Cards		657		644		650		706		723	2%	10%		1,308		1,429	9%
Citi Retail Services		589		566		600		663		654	(1%)	11%		1,191		1,317	11%
Total	$	1,278	$	1,242	$	1,281	$	1,429	$	1,428	-	12%	$	2,574	$	2,857	11%
Income from Continuing Operations by Business
Retail Banking	$	161	$	131	$	133	$	83	$	114	37%	(29%)	$	301	$	197	(35%)
Citi-Branded Cards		309		375		472		382		364	(5%)	18%		734		746	2%
Citi Retail Services		249		344		328		304		243	(20%)	(2%)		522		547	5%
Total	$	719	$	850	$	933	$	769	$	721	(6%)	-	$	1,557	$	1,490	(4%)

(1) First quarter of 2018 includes an approximately $150 million gain on the sale of the Hilton Card portfolio.

NM  Not meaningful.

Reclassified to conform to the current period's presentation.

Page 8

GLOBAL CONSUMER BANKING

NORTH AMERICA

Page 2

											2Q19 Increase/
	2Q		3Q		4Q		1Q		2Q		(Decrease) from
	2018		2018		2018		2019		2019		1Q19	2Q18
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)		693		692		689		689		688	-	(1%)
Accounts (in millions)		9.1		9.0		9.1		9.1		9.1	-	-
Average Deposits	$	179.9	$	180.2	$	180.6	$	182.3	$	183.0	-	2%
Investment Sales	$	7.8	$	7.9	$	8.1	$	8.8	$	9.6	9%	23%
Investment AUMs	$	61.1	$	63.7	$	60.1	$	65.9	$	68.2	3%	12%
Average Loans	$	55.6	$	56.0	$	56.5	$	57.1	$	57.9	1%	4%
EOP Loans:
Mortgages	$	44.4	$	44.6	$	44.7	$	44.7	$	45.3	1%	2%
Commercial Banking		9.1		9.3		9.7		10.4		10.7	3%	18%
Personal and Other		2.2		2.4		2.4		2.2		2.3	5%	5%
Total EOP Loans	$	55.7	$	56.3	$	56.8	$	57.3	$	58.3	2%	5%
Mortgage Originations (1)	$	2.6	$	2.7	$	2.3	$	2.0	$	3.9	95%	50%
Third Party Mortgage Servicing Portfolio (EOP)	$	45.7	$	45.4	$	45.2	$	44.9	$	44.5	(1%)	(3%)
Net Servicing & Gain/(Loss) on Sale (in millions)	$	33.6	$	32.0	$	25.6	$	31.8	$	31.3	(2%)	(7%)
Saleable Mortgage Rate Locks	$	1.3	$	1.1	$	0.9	$	1.1	$	1.5	36%	15%
Net Interest Revenue on Loans (in millions)	$	226	$	216	$	218	$	223	$	217	(3%)	(4%)
As a % of Avg. Loans		1.63%		1.53%		1.53%		1.58%		1.50%
Net Credit Losses (in millions)	$	32	$	32	$	31	$	60	$	51	(15%)	59%
As a % of Avg. Loans		0.23%		0.23%		0.22%		0.43%		0.35%
Loans 90+ Days Past Due (in millions) (2)	$	179	$	188	$	180	$	179	$	145	(19%)	(19%)
As a % of EOP Loans		0.33%		0.34%		0.32%		0.32%		0.25%
Loans 30-89 Days Past Due (in millions) (2)	$	252	$	320	$	282	$	269	$	361	34%	43%
As a % of EOP Loans		0.46%		0.58%		0.50%		0.47%		0.63%

(1) Originations of residential first mortgages.

(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) were $244 million and ($0.7 billion), $235 million and ($0.7 billion), $201 million and ($0.6 billion), $163 million and ($0.6 billion), and $151 million and ($0.6 billion)as of June 30, 2018, September 30, 2018, December 31, 2018, March 31, 2019 and June 30, 2019, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) were $87 million and ($0.7 billion), $82 million and ($0.7 billion), $78 million and ($0.6 billion), $71 million and ($0.6 billion), and $83 million and ($0.6 billion) as of June 30, 2018, September 30, 2018, December 31, 2018, March 31, 2019 and June 30, 2019, respectively.

NM  Not meaningful.

Reclassified to conform to the current period's presentation.

Page 9

GLOBAL CONSUMER BANKING

NORTH AMERICA

Page 3

												2Q19 Increase/
	2Q			3Q		4Q		1Q		2Q		(Decrease) from
	2018			2018		2018		2019		2019		1Q19	2Q18
Citi-Branded Cards Key Indicators (in millions of dollars, except as otherwise noted) (1)
EOP Open Accounts (in millions)		34.2			34.4		34.6		34.8		34.8	-	2%
Purchase Sales (in billions)	$	86.4		$	87.3	$	91.6	$	83.6	$	93.2	11%	8%
Average Loans (in billions) (1)	$	86.6		$	87.8	$	88.8	$	87.7	$	88.4	1%	2%
EOP Loans (in billions) (1)	$	88.1		$	88.4	$	91.8	$	87.0	$	90.6	4%	3%
Average Yield (2)		9.94%			10.34%		10.74%		11.24%		11.13%
Total Net Interest Revenue (3)	$	1,788		$	1,883	$	1,968	$	1,972	$	1,974	-	10%
As a % of Avg. Loans (3)		8.28%			8.51%		8.79%		9.12%		8.96%
Net Credit Losses	$	657		$	644	$	650	$	706	$	723	2%	10%
As a % of Average Loans		3.04%			2.91%		2.90%		3.26%		3.28%
Net Credit Margin (4)	$	1,403		$	1,462	$	1,574	$	1,487	$	1,470	(1%)	5%
As a % of Avg. Loans (4)		6.50%			6.61%		7.03%		6.88%		6.67%
Loans 90+ Days Past Due	$	712		$	707	$	812	$	828	$	799	(4%)	12%
As a % of EOP Loans		0.81%			0.80%		0.88%		0.95%		0.88%
Loans 30-89 Days Past Due	$	627		$	722	$	755	$	731	$	705	(4%)	12%
As a % of EOP Loans		0.71%			0.82%		0.82%		0.84%		0.78%
Citi Retail Services Key Indicators (in millions of dollars, except as otherwise noted) (1)
EOP Open Accounts		85.1			85.9		86.3		84.6		84.1	(1%)	(1%)
Purchase Sales (in billions)	$	21.6		$	22.1	$	25.5	$	18.6	$	22.5	21%	4%
Average Loans (in billions) (1)	$	46.6		$	49.0	$	50.4	$	50.2	$	49.1	(2%)	5%
EOP Loans (in billions) (1)	$	48.6		$	49.4	$	52.7	$	48.9	$	49.6	1%	2%
Average Yield (2)		17.82%			17.83%		17.78%		18.17%		18.10%
Total Net Interest Revenue (3)	$	1,970		$	2,099	$	2,128	$	2,078	$	2,036	(2%)	3%
As a % of Avg. Loans (3)		16.96%			17.00%		16.75%		16.79%		16.63%
Net Credit Losses	$	589		$	566	$	600	$	663	$	654	(1%)	11%
As a % of Average Loans		5.07%			4.58%		4.72%		5.36%		5.34%
Net Credit Margin (4)	$	1,002		$	1,123	$	1,094	$	1,007	$	953	(5%)	(5%)
As a % of Avg. Loans (4)		8.62	%		9.09%		8.61%		8.14%		7.79%
Loans 90+ Days Past Due	$	781		$	832	$	952	$	918	$	840	(8%)	8%
As a % of EOP Loans		1.61	%		1.68%		1.81%		1.88%		1.69%
Loans 30-89 Days Past Due	$	761		$	890	$	932	$	859	$	831	(3%)	9%
As a % of EOP Loans		1.57	%		1.80%		1.77%		1.76%		1.68%

(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 on loans divided by average loans.

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

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

Reclassified to conform to the current period's presentation.

Page 10

GLOBAL CONSUMER BANKING

LATIN AMERICA (1) - PAGE 1

(In millions of dollars, except as otherwise noted)

											2Q19 Increase/		Six		Six		YTD 2019 vs.
	2Q		3Q		4Q		1Q		2Q		(Decrease) from		Months		Months		YTD 2018 Increase/
	2018		2018		2018		2019		2019		1Q19	2Q18	2018		2019		(Decrease)
Net Interest Revenue	$	1,013	$	1,042	$	1,006	$	975	$	1,017	4%	-	$	2,010	$	1,992	(1%)
Non-Interest Revenue (2)		362		622		350		406		415	2%	15%		705		821	16%
Total Revenues, Net of Interest Expense		1,375		1,664		1,356		1,381		1,432	4%	4%		2,715		2,813	4%
Total Operating Expenses		779		825		784		735		765	4%	(2%)		1,534		1,500	(2%)
Net Credit Losses		278		307		290		298		285	(4%)	3%		556		583	5%
Credit Reserve Build / (Release)		33		31		(23)		(7)		10	NM	(70%)		75		3	(96%)
Provision for Unfunded Lending Commitments		-		-		(1)		-		(1)	(100%)	(100%)		1		(1)	NM
Provision for Benefits and Claims		17		22		22		6		13	NM	(24%)		37		19	(49%)
Provisions for Credit Losses and for Benefits and Claims (LLR & PBC)		328		360		288		297		307	3%	(6%)		669		604	(10%)
Income from Continuing Operations before Taxes		268		479		284		349		360	3%	34%		512		709	38%
Income Taxes		71		148		76		97		98	1%	38%		136		195	43%
Income from Continuing Operations		197		331		208		252		262	4%	33%		376		514	37%
Noncontrolling Interests		-		-		-		-		-	-	-		-		-	-
Net Income	$	197	$	331	$	208	$	252	$	262	4%	33%	$	376	$	514	37%
Average Assets (in billions of dollars)	$	43	$	45	$	43	$	44	$	45	2%	5%	$	44	$	45	2%
Return on Average Assets		1.84%		2.92%		1.92%		2.32%		2.34%				1.72%		2.30%
Efficiency Ratio		57%		50%		58%		53%		53%				57%		53%
Net Credit Losses as a % of Average Loans		4.37%		4.63%		4.58%		4.72%		4.47%				4.33%		4.57%
Revenue by Business
Retail Banking	$	993	$	1,259	$	959	$	1,008	$	1,015	1%	2%	$	1,952	$	2,023	4%
Citi-Branded Cards		382		405		397		373		417	12%	9%		763		790	4%
Total	$	1,375	$	1,664	$	1,356	$	1,381	$	1,432	4%	4%	$	2,715	$	2,813	4%
Net Credit Losses by Business
Retail Banking	$	138	$	153	$	144	$	138	$	129	(7%)	(7%)	$	270	$	267	(1%)
Citi-Branded Cards		140		154		146		160		156	(3%)	11%		286		316	10%
Total	$	278	$	307	$	290	$	298	$	285	(4%)	3%	$	556	$	583	5%
Income from Continuing Operations by Business
Retail Banking	$	152	$	276	$	147	$	197	$	192	(3%)	26%	$	286	$	389	36%
Citi-Branded Cards		45		55		61		55		70	27%	56%		90		125	39%
Total	$	197	$	331	$	208	$	252	$	262	4%	33%	$	376	$	514	37%
FX Translation Impact:
Total Revenue - as Reported	$	1,375	$	1,664	$	1,356	$	1,381	$	1,432	4%	4%	$	2,715	$	2,813	4%
Impact of FX Translation (3)		13		(36)		52		(4)		-				(31)		-
Total Revenues - Ex-FX (3)	$	1,388	$	1,628	$	1,408	$	1,377	$	1,432	4%	3%	$	2,684	$	2,813	5%
Total Operating Expenses - as Reported	$	779	$	825	$	784	$	735	$	765	4%	(2%)	$	1,534	$	1,500	(2%)
Impact of FX Translation (3)		6		(16)		27		(2)		-				(16)		-
Total Operating Expenses - Ex-FX (3)	$	785	$	809	$	811	$	733	$	765	4%	(3%)	$	1,518	$	1,500	(1%)
Provisions for LLR & PBC - as Reported	$	328	$	360	$	288	$	297	$	307	3%	(6%)	$	669	$	604	(10%)
Impact of FX Translation (3)		3		(8)		12		(1)		-				(9)		-
Provisions for LLR & PBC - Ex-FX (3)	$	331	$	352	$	300	$	296	$	307	4%	(7%)	$	660	$	604	(8%)
Net Income - as Reported	$	197	$	331	$	208	$	252	$	262	4%	33%	$	376	$	514	37%
Impact of FX Translation (3)		2		(8)		8		-		-				(5)		-
Net Income - Ex-FX (3)	$	199	$	323	$	216	$	252	$	262	4%	32%	$	371	$	514	39%

(1) Latin America GCB consists of Citi's consumer banking operations in Mexico.

(2) Third quarter of 2018 includes an approximately $250 million gain on the sale of an asset management business.

(3) Reflects the impact of foreign currency (FX) translation into U.S. Dollars at the second quarter of 2019 and year-to-date 2019 average exchange rates for all periods presented.

Citigroup's results of operations excluding the impact of FX translation are non-GAAP financial measures.

NM  Not meaningful.

Reclassified to conform to the current period's presentation.

Page 11

GLOBAL CONSUMER BANKING

LATIN AMERICA - PAGE 2

											2Q19 Increase/
	2Q		3Q		4Q		1Q		2Q		(Decrease) from
	2018		2018		2018		2019		2019		1Q19	2Q18
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)		1,462		1,463		1,463		1,464		1,459	-	-
Accounts (in millions)		28.9		29.1		29.4		30.0		30.3	1%	5%
Average Deposits	$	28.3	$	29.4	$	28.2	$	28.6	$	29.2	2%	3%
Investment Sales	$	6.6	$	6.7	$	6.3	$	6.6	$	6.5	(2%)	(2%)
Investment AUMs	$	33.1	$	35.5	$	30.4	$	32.2	$	32.8	2%	(1%)
Average Loans	$	20.1	$	20.7	$	19.6	$	19.9	$	20.0	1%	-
EOP Loans:
Mortgages	$	4.1	$	4.3	$	4.0	$	4.1	$	4.2	2%	2%
Commercial Banking		10.2		10.6		9.9		9.9		10.3	4%	1%
Personal and Other		5.8		6.1		5.8		5.7		5.6	(2%)	(3%)
Total EOP Loans	$	20.1	$	21.0	$	19.7	$	19.7	$	20.1	2%	-
Total Net Interest Revenue (in millions) (1)	$	687	$	711	$	682	$	672	$	677	1%	(1%)
As a % of Average Loans (1)		13.71%		13.63%		13.80%		13.70%		13.58%
Net Credit Losses (in millions)	$	138	$	153	$	144	$	138	$	129	(7%)	(7%)
As a % of Average Loans		2.75%		2.93%		2.91%		2.81%		2.59%
Loans 90+ Days Past Due (in millions)	$	132	$	126	$	127	$	114	$	124	9%	(6%)
As a % of EOP Loans		0.66%		0.60%		0.64%		0.58%		0.62%
Loans 30-89 Days Past Due (in millions)	$	183	$	235	$	201	$	201	$	206	2%	13%
As a % of EOP Loans		0.91%		1.12%		1.02%		1.02%		1.02%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)		5.7		5.7		5.6		5.5		5.4	(2%)	(5%)
Purchase Sales (in billions)	$	4.3	$	4.6	$	4.8	$	4.4	$	4.7	7%	9%
Average Loans (in billions) (2)	$	5.4	$	5.6	$	5.5	$	5.7	$	5.6	(2%)	4%
EOP Loans (in billions) (2)	$	5.4	$	5.8	$	5.7	$	5.6	$	5.7	2%	6%
Average Yield (3)		24.49%		24.44%		24.61%		23.68%		25.21%	6%	3%
Total Net Interest Revenue (in millions) (4)	$	326	$	331	$	324	$	303	$	340	12%	4%
As a % of Average Loans (4)		24.21%		23.45%		23.37%		21.56%		24.35%
Net Credit Losses (in millions)	$	140	$	154	$	146	$	160	$	156	(3%)	11%
As a % of Average Loans		10.40%		10.91%		10.53%		11.38%		11.17%
Net Credit Margin (in millions) (5)	$	247	$	257	$	256	$	220	$	268	22%	9%
As a % of Average Loans (5)		18.35%		18.21%		18.47%		15.65%		19.20%
Loans 90+ Days Past Due (in millions)	$	160	$	169	$	171	$	165	$	169	2%	6%
As a % of EOP Loans		2.96%		2.91%		3.00%		2.95%		2.96%
Loans 30-89 Days Past Due (in millions)	$	156	$	170	$	170	$	161	$	159	(1%)	2%
As a % of EOP Loans		2.89%		2.93%		2.98%		2.88%		2.79%

(1) Also includes net interest revenue related to the region's average 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 on loans divided by average loans.

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

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

NM  Not meaningful.

Reclassified to conform to the current period's presentation.

Page 12

GLOBAL CONSUMER BANKING

ASIA (1) - PAGE 1

(In millions of dollars, except as otherwise noted)

											2Q19 Increase/		Six		Six		YTD 2019 vs.
	2Q		3Q		4Q		1Q		2Q		(Decrease) from		Months		Months		YTD 2018 Increase/
	2018		2018		2018		2019		2019		1Q19	2Q18	2018		2019		(Decrease)
Net Interest Revenue	$	1,226	$	1,210	$	1,235	$	1,220	$	1,225	-	-	$	2,459	$	2,445	(1%)
Non-Interest Revenue		639		645		589		665		690	4%	8%		1,335		1,355	1%
Total Revenues, Net of Interest Expense		1,865		1,855		1,824		1,885		1,915	2%	3%		3,794		3,800	-
Total Operating Expenses		1,207		1,165		1,154		1,204		1,178	(2%)	(2%)		2,484		2,382	(4%)
Net Credit Losses		170		165		173		164		176	7%	4%		332		340	2%
Credit Reserve Build / (Release)		6		39		18		(15)		7	NM	17%		(15)		(8)	47%
Provision for Unfunded Lending Commitments		1		1		(4)		-		-	-	(100%)		3		-	(100%)
Provision for Benefits and Claims		-		-		-		-		-	-	-		-		-	-
Provisions for Credit Losses and for Benefits and Claims (LLR & PBC)		177		205		187		149		183	23%	3%		320		332	4%
Income from Continuing Operations before Taxes		481		485		483		532		554	4%	15%		990		1,086	10%
Income Taxes		121		102		105		116		124	7%	2%		257		240	(7%)
Income from Continuing Operations		360		383		378		416		430	3%	19%		733		846	15%
Noncontrolling Interests		1		1		3		-		1	100%	-		3		1	(67%)
Net Income	$	359	$	382	$	375	$	416	$	429	3%	19%	$	730	$	845	16%
Average Assets (in billions)	$	130	$	130	$	131	$	132	$	133	1%	2%	$	131	$	133	2%
Return on Average Assets		1.11%		1.17%		1.14%		1.28%		1.29%				1.12%		1.28%
Efficiency Ratio		65%		63%		63%		64%		62%				65%		63%
Net Credit Losses as a % of Average Loans		0.77%		0.75%		0.78%		0.75%		0.80%				0.75%		0.77%
Revenue by Business
Retail Banking	$	1,142	$	1,123	$	1,092	$	1,143	$	1,208	6%	6%	$	2,340	$	2,351	-
Citi-Branded Cards		723		732		732		742		707	(5%)	(2%)		1,454		1,449	-
Total	$	1,865	$	1,855	$	1,824	$	1,885	$	1,915	2%	3%	$	3,794	$	3,800	-
Net Credit Losses by Business
Retail Banking	$	58	$	58	$	71	$	58	$	64	10%	10%	$	115	$	122	6%
Citi-Branded Cards		112		107		102		106		112	6%	-		217		218	-
Total	$	170	$	165	$	173	$	164	$	176	7%	4%	$	332	$	340	2%
Income from Continuing Operations by Business
Retail Banking	$	264	$	256	$	251	$	246	$	323	31%	22%	$	510	$	569	12%
Citi-Branded Cards		96		127		127		170		107	(37%)	11%		223		277	24%
Total	$	360	$	383	$	378	$	416	$	430	3%	19%	$	733	$	846	15%
FX Translation Impact:
Total Revenue - as Reported	$	1,865	$	1,855	$	1,824	$	1,885	$	1,915	2%	3%	$	3,794	$	3,800	-
Impact of FX Translation (2)		(42)		(9)		2		(13)		-				(111)		-
Total Revenues - Ex-FX (2)	$	1,823	$	1,846	$	1,826	$	1,872	$	1,915	2%	5%	$	3,683	$	3,800	3%
Total Operating Expenses - as Reported	$	1,207	$	1,165	$	1,154	$	1,204	$	1,178	(2%)	(2%)	$	2,484	$	2,382	(4%)
Impact of FX Translation (2)		(29)		(7)		2		(10)		-				(77)		-
Total Operating Expenses - Ex-FX (2)	$	1,178	$	1,158	$	1,156	$	1,194	$	1,178	(1%)	-	$	2,407	$	2,382	(1%)
Provisions for LLR & PBC - as Reported	$	177	$	205	$	187	$	149	$	183	23%	3%	$	320	$	332	4%
Impact of FX Translation (2)		(5)		(3)		-		(2)		-				(13)		-
Provisions for LLR & PBC - Ex-FX (2)	$	172	$	202	$	187	$	147	$	183	24%	6%	$	307	$	332	8%
Net Income - as Reported	$	359	$	382	$	375	$	416	$	429	3%	19%	$	730	$	845	16%
Impact of FX Translation (2)		(6)		-		-		(1)		-				(14)		-
Net Income - Ex-FX (2)	$	353	$	382	$	375	$	415	$	429	3%	22%	$	716	$	845	18%

(1) Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.

(2) Reflects the impact of foreign currency (FX) translation into U.S. Dollars at the second quarter of 2019 and year-to-date 2019 average exchange rates for all periods presented.

Citigroup's results of operations excluding the impact of FX translation are non-GAAP financial measures.

NM  Not meaningful.

Reclassified to conform to the current period's presentation.

Page 13

GLOBAL CONSUMER BANKING

ASIA (1) - PAGE 2

											2Q19 Increase/
	2Q		3Q		4Q		1Q		2Q		(Decrease) from
	2018		2018		2018		2019		2019		1Q19	2Q18
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)		273		262		258		251		252	-	(8%)
Accounts (in millions)		15.9		15.9		16.0		15.9		16.1	1%	1%
Average Deposits	$	97.6	$	97.6	$	97.7	$	99.3	$	100.7	1%	3%
Investment Sales	$	9.5	$	9.1	$	6.8	$	9.3	$	10.1	9%	6%
Investment AUMs	$	68.5	$	69.8	$	67.6	$	73.3	$	74.8	2%	9%
Average Loans	$	69.9	$	69.2	$	68.9	$	69.5	$	69.5	-	(1%)
EOP Loans:
Mortgages	$	32.0	$	32.0	$	31.9	$	32.0	$	32.4	1%	1%
Commercial Banking		17.2		17.3		16.7		16.8		16.6	(1%)	(3%)
Personal and Other		20.1		20.2		20.6		21.2		21.8	3%	8%
Total EOP Loans	$	69.3	$	69.5	$	69.2	$	70.0	$	70.8	1%	2%
Total Net Interest Revenue (in millions) (2)	$	716	$	711	$	730	$	730	$	737	1%	3%
As a % of Average Loans (2)		4.11%		4.08%		4.20%		4.26%		4.25%
Net Credit Losses (in millions)	$	58	$	58	$	71	$	58	$	64	10%	10%
As a % of Average Loans		0.33%		0.33%		0.41%		0.34%		0.37%
Loans 90+ Days Past Due (in millions)	$	189	$	194	$	178	$	181	$	187	3%	(1%)
As a % of EOP Loans		0.27%		0.28%		0.26%		0.26%		0.26%
Loans 30-89 Days Past Due (in millions)	$	319	$	302	$	307	$	299	$	302	1%	(5%)
As a % of EOP Loans		0.46%		0.43%		0.44%		0.43%		0.43%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)		15.3		15.4		15.3		15.2		15.2	-	(1%)
Purchase Sales (in billions)	$	21.3	$	20.9	$	22.2	$	21.4	$	21.6	1%	1%
Average Loans (in billions) (3)	$	18.9	$	18.5	$	18.7	$	19.1	$	18.9	(1%)	-
EOP Loans (in billions) (3)	$	18.8	$	18.6	$	19.3	$	18.8	$	19.2	2%	2%
Average Yield (4)		12.55%		12.49%		12.58%		12.42%		12.33%	(1%)	(2%)
Total Net Interest Revenue (in millions) (5)	$	510	$	499	$	505	$	490	$	488	-	(4%)
As a % of Average Loans (6)		10.82%		10.70%		10.71%		10.40%		10.36%
Net Credit Losses (in millions)	$	112	$	107	$	102	$	106	$	112	6%	-
As a % of Average Loans		2.38%		2.29%		2.16%		2.25%		2.38%
Net Credit Margin (in millions) (6)	$	611	$	625	$	630	$	636	$	595	(6%)	(3%)
As a % of Average Loans (6)		12.97%		13.40%		13.37%		13.50%		12.63%
Loans 90+ Days Past Due	$	192	$	188	$	199	$	200	$	202	1%	5%
As a % of EOP Loans		1.02%		1.01%		1.03%		1.06%		1.05%
Loans 30-89 Days Past Due	$	260	$	251	$	255	$	256	$	257	-	(1%)
As a % of EOP Loans		1.38%		1.35%		1.32%		1.36%		1.34%

(1) Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.

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

(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 on loans 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.

Reclassified to conform to the current period's presentation.

Page 14

INSTITUTIONAL CLIENTS GROUP

(In millions of dollars, except as otherwise noted)

											2Q19 Increase/		Six		Six		YTD 2019 vs.
	2Q		3Q		4Q		1Q		2Q		(Decrease) from		Months		Months		YTD 2018 Increase/
	2018		2018		2018		2019		2019		1Q19	2Q18	2018		2019		(Decrease)
Commissions and Fees	$	1,127	$	1,085	$	1,091	$	1,121	$	1,046	(7%)	(7%)	$	2,340	$	2,167	(7%)
Administration and Other Fiduciary Fees		713		686		662		670		696	4%	(2%)		1,407		1,366	(3%)
Investment Banking		1,246		1,029		1,092		1,112		1,100	(1%)	(12%)		2,231		2,212	(1%)
Principal Transactions		2,339		2,252		1,287		2,632		1,930	(27%)	(17%)		5,183		4,562	(12%)
Other (1)		179		184		122		284		716	NM	NM		644		1,000	55%
Total Non-Interest Revenue		5,604		5,236		4,254		5,819		5,488	(6%)	(2%)		11,805		11,307	(4%)
Net Interest Revenue (including Dividends)		4,093		4,012		3,966		3,875		4,233	9 %	3%		7,747		8,108	5%
Total Revenues, Net of Interest Expense		9,697		9,248		8,220		9,694		9,721	-	-		19,552		19,415	(1%)
Total Operating Expenses		5,460		5,194		4,829		5,427		5,356	(1%)	(2%)		10,966		10,783	(2%)
Net Credit Losses		(1)		23		45		55		72	31%	NM		104		127	22%
Credit Reserve Build / (Release)		32		7		32		(54)		47	NM	47%		(143)		(7)	95%
Provision for Unfunded Lending Commitments		(6)		41		52		20		(16)	NM	NM		23		4	(83%)
Provision for Benefits and Claims		-		-		-		-		-	-	-		-		-	-
Provisions for Credit Losses and for Benefits and Claims		25		71		129		21		103	NM	NM		(16)		124	NM
Income from Continuing Operations before Taxes		4,212		3,983		3,262		4,246		4,262	-	1%		8,602		8,508	(1%)
Income Taxes		971		862		741		924		919	(1%)	(5%)		2,027		1,843	(9%)
Income from Continuing Operations		3,241		3,121		2,521		3,322		3,343	1%	3%		6,575		6,665	1%
Noncontrolling Interests		12		(6)		(4)		11		10	(9%)	(17%)		27		21	(22%)
Net Income	$	3,229	$	3,127	$	2,525	$	3,311	$	3,333	1%	3%	$	6,548	$	6,644	1%
EOP Assets (in billions)	$	1,397	$	1,404	$	1,394	$	1,425	$	1,454	2%	4%
Average Assets (in billions)	$	1,406	$	1,402	$	1,420	$	1,414	$	1,450	3%	3%	$	1,397	$	1,432	3%
Return on Average Assets (ROA)		0.92%		0.88%		0.71%		0.95%		0.92%				0.95%		0.94%
Efficiency Ratio		56%		56%		59%		56%		55%				56%		56%
Revenue by Region
North America	$	3,511	$	3,329	$	2,809	$	3,119	$	3,478	12%	(1%)	$	6,777	$	6,597	(3%)
EMEA		3,043		2,927		2,633		3,170		2,960	(7%)	(3%)		6,210		6,130	(1%)
Latin America		1,168		1,061		1,083		1,160		1,195	3%	2%		2,384		2,355	(1%)
Asia		1,975		1,931		1,695		2,245		2,088	(7%)	6%		4,181		4,333	4%
Total Revenues, net of Interest Expense	$	9,697	$	9,248	$	8,220	$	9,694	$	9,721	-	-	$	19,552	$	19,415	(1%)
Income (loss) from Continuing Operations by Region
North America	$	1,030	$	871	$	745	$	714	$	1,022	43%	(1%)	$	1,888	$	1,736	(8%)
EMEA		986		971		819		1,125		1,005	(11%)	2%		2,099		2,130	1%
Latin America		517		544		346		503		491	(2%)	(5%)		1,011		994	(2%)
Asia		708		735		611		980		825	(16%)	17%		1,577		1,805	14%
Income from Continuing Operations	$	3,241	$	3,121	$	2,521	$	3,322	$	3,343	1%	3%	$	6,575	$	6,665	1%
Average Loans by Region (in billions)
North America	$	165	$	166		171	$	176	$	178	1%	8%	$	162	$	176	9%
EMEA		80		82		83		84		85	1%	6%		79		85	8%
Latin America		33		33		34		34		33	(3%)	-		34		34	-
Asia		68		65		63		63		63	-	(7%)		68		63	(7%)
Total	$	346	$	346	$	351	$	357	$	359	1%	4%	$	343	$	358	4%
EOP Deposits by Region (in billions)
North America	$	308	$	318	$	323	$	318	$	325	2%	5%
EMEA		187		180		184		197		196	-	5%
Latin America		26		26		27		28		28	(2%)	7%
Asia		155		161		156		159		166	4%	8%
Total	$	676	$	685	$	690	$	702	$	715	2%	6%
EOP Deposits by Business (in billions)
Treasury and Trade Solutions	$	459	$	470	$	472	$	475	$	488	3%	6%
All Other ICG Businesses		217		215		218		227		227	-	5%
Total	$	676	$	685	$	690	$	702	$	715	2%	6%

(1) 2Q19 includes a $355 million gain on Citi's investment in Tradeweb.

NM  Not meaningful.

Reclassified to conform to the current period's presentation.

Page 15

INSTITUTIONAL CLIENTS GROUP

REVENUES BY BUSINESS

(In millions of dollars, except as otherwise noted)

											2Q19 Increase/		Six		Six		YTD 2019 vs.
	2Q		3Q		4Q		1Q		2Q		(Decrease) from		Months		Months		YTD 2018 Increase/
	2018		2018		2018		2019		2019		1Q19	2Q18	2018		2019		(Decrease)
Revenue Details:
Investment Banking:
Advisory	$	361	$	262	$	463	$	378	$	232	(39%)	(36%)	$	576	$	610	6%
Equity Underwriting		335		259		181		172		314	83%	(6%)		551		486	(12%)
Debt Underwriting		726		660		634		804		737	(8%)	2%		1,425		1,541	8%
Total Investment Banking		1,422		1,181		1,278		1,354		1,283	(5%)	(10%)		2,552		2,637	3%
Treasury and Trade Solutions		2,336		2,283		2,402		2,395		2,441	2%	4%		4,604		4,836	5%
Corporate Lending - Excluding Gain/(Loss) on Loan Hedges		589		563		559		569		538	(5%)	(9%)		1,110		1,107	-
Private Bank		848		849		797		880		866	(2%)	2%		1,752		1,746	-
Total Banking Revenues (Ex-Gain/(Loss) on Loan Hedges) (1)	$	5,195	$	4,876	$	5,036	$	5,198	$	5,128	(1%)	(1%)	$	10,018	$	10,326	3%
Corporate Lending  - Gain/(Loss) on Loan Hedges (1)		23		(106)		105		(231)		(75)	68%	NM		46		(306)	NM
Total Banking Revenues including G(L) on Loan Hedges (1)	$	5,218	$	4,770	$	5,141	$	4,967	$	5,053	2%	(3%)	$	10,064	$	10,020	-
Fixed Income Markets	$	3,082	$	3,206	$	1,948	$	3,452	$	3,323	(4%)	8%	$	6,507	$	6,775	4%
Equity Markets		864		792		668		842		790	(6%)	(9%)		1,967		1,632	(17%)
Securities Services		665		672		653		638		682	7%	3%		1,306		1,320	1%
Other		(132)		(192)		(190)		(205)		(127)	38%	4%		(292)		(332)	(14%)
Total Markets and Securities Services	$	4,479	$	4,478	$	3,079	$	4,727	$	4,668	(1%)	4%	$	9,488	$	9,395	(1%)
Total Revenues, net of Interest Expense	$	9,697	$	9,248	$	8,220	$	9,694	$	9,721	-	-	$	19,552	$	19,415	(1%)
Taxable-equivalent adjustments (2)	$	96	$	98	$	126	$	104	$	105	1%	9%	$	192	$	209	9%
Total ICG Revenues including taxable-equivalent adjustments (2)	$	9,793	$	9,346	$	8,346	$	9,798	$	9,826	-	-	$	19,744	$	19,624	(1%)
Commissions and Fees	$	182	$	164	$	184	$	174	$	198	14%	9%	$	357	$	372	4%
Principal Transactions (3)		2,114		2,026		802		2,377		1,870	(21%)	(12%)		4,306		4,247	(1%)
Other (4)		28		86		(9)		150		533	NM	NM		303		683	NM
Total Non-Interest Revenue	$	2,324	$	2,276	$	977	$	2,701	$	2,601	(4%)	12%	$	4,966	$	5,302	7%
Net Interest Revenue		758		930		971		751		722	(4%)	(5%)		1,541		1,473	(4%)
Total Fixed Income Markets	$	3,082	$	3,206	$	1,948	$	3,452	$	3,323	(4%)	8%	$	6,507	$	6,775	4%
Rates and Currencies	$	2,241	$	2,353	$	1,415	$	2,402	$	2,118	(12%)	(5%)	$	4,718	$	4,520	(4%)
Spread Products / Other Fixed Income		841		853		533		1,050		1,205	15%	43%		1,789		2,255	26%
Total Fixed Income Markets	$	3,082	$	3,206	$	1,948	$	3,452	$	3,323	(4%)	8%	$	6,507	$	6,775	4%
Commissions and Fees	$	308	$	285	$	313	$	293	$	274	(6%)	(11%)	$	669	$	567	(15%)
Principal Transactions (3)		101		284		318		396		7	(98%)	(93%)		638		403	(37%)
Other		20		(4)		14		7		10	43%	(50%)		100		17	(83%)
Total Non-Interest Revenue	$	429	$	565	$	645	$	696	$	291	(58%)	(32%)	$	1,407	$	987	(30%)
Net Interest Revenue		435		227		23		146		499	NM	15%		560		645	15%
Total Equity Markets	$	864	$	792	$	668	$	842	$	790	(6%)	(9%)	$	1,967	$	1,632	(17%)

(1) Credit derivatives are used to economically hedge a portion of the corporate loan portfolio that includes both accrual loans and loans at fair value. Gain/(loss) on loan hedges includes the mark-to-market on the credit derivatives partially offset by the mark-to-market on the loans in the portfolio that are at fair value. 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 are netted against the corporate lending revenues to reflect the cost of credit protection. Citigroup’s results of operations excluding the impact of gain/(loss) on loan hedges are non-GAAP financial measures.

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

(3) Excludes principal transactions revenues of ICG businesses other than Markets, primarily treasury and trade solutions and the private bank.

(4) 2Q19 includes a $355 million gain on Citi's investment in Tradeweb.

NM  Not meaningful.

Reclassified to conform to the current period's presentation.

Page 16

CORPORATE / OTHER (1)

(In millions of dollars, except as otherwise noted)

											2Q19 Increase/		Six		Six		YTD 2019 vs.
	2Q		3Q		4Q		1Q		2Q		(Decrease) from		Months		Months		YTD 2018 Increase/
	2018		2018		2018		2019		2019		1Q19	2Q18	2018		2019		(Decrease)
Net Interest Revenue	$	553	$	554	$	609	$	631	$	445	(29%)	(20%)	$	1,091	$	1,076	(1%)
Non-interest revenue		(25)		(61)		(139)		(200)		87	NM	NM		28		(113)	NM
Total Revenues, Net of Interest Expense		528		493		470		431		532	23%	1%		1,119		963	(14%)
Total Operating Expenses		600		459		474		549		481	(12%)	(20%)		1,342		1,030	(23%)
Net Credit Losses		(21)		19		(3)		2		2	-	NM		5		4	(20%)
Credit Reserve Build / (Release)		(95)		(43)		(47)		(26)		(20)	23%	79%		(128)		(46)	64%
Provision for Benefits and Claims		(1)		(1)		-		-		-	-	100%		(1)		-	100%
Provision for Unfunded Lending Commitments		(1)		(5)		3		(1)		(4)	NM	NM		(1)		(5)	NM
Total provisions for credit losses and for benefits and claims		(118)		(30)		(47)		(25)		(22)	12%	81%		(125)		(47)	62%
Income from Continuing Operations before Taxes		46		64		43		(93)		73	NM	59%		(98)		(20)	80%
Income Taxes (Benefits) (2)		62		116		(222)		(71)		37	NM	(40%)		(7)		(34)	NM
Income (Loss) from Continuing Operations		(16)		(52)		265		(22)		36	NM	NM		(91)		14	NM
Income (Loss) from Discontinued Operations, net of taxes		15		(8)		(8)		(2)		17	NM	13%		8		15	88%
Noncontrolling Interests		13		8		(15)		14		(1)	NM	NM		18		13	(28%)
Net Income (Loss)	$	(14)	$	(68)	$	272	$	(38)	$	54	NM	NM	$	(101)	$	16	NM
EOP Assets (in billions of dollars)	$	93	$	94	$	91	$	107	$	97	(9%)	4%
Average Assets (in billions of dollars)	$	94	$	97	$	89	$	99	$	98	(1%)	4%	$	94	$	99	5%
Return on Average Assets		(0.06%)		(0.28%)		1.21%		(0.16%)		0.22%				(0.22%)		0.03%
Efficiency Ratio		114%		93%		101%		127%		90%				120%		107%
Consumer - North America - Key Indicators
Average Loans (in billions of dollars)	$	18.4	$	17.0	$	15.9	$	13.6	$	12.3	(10%)	(33%)
EOP Loans (in billions of dollars)	$	17.6	$	16.4	$	15.3	$	12.6	$	11.6	(8%)	(34%)
Net Interest Revenue	$	148	$	154	$	137	$	104	$	81	(22%)	(45%)
As a % of Average Loans		3.23%		3.59%		3.42%		3.10%		2.64%
Net Credit Losses	$	(39)	$	12	$	-	$	1	$	4	NM	NM
As a % of Average Loans		(0.85%)		0.28%		0.00%		0.03%		0.13%
Loans 90+ Days Past Due (3)	$	415	$	401	$	382	$	354	$	327	(8%)	(21%)
As a % of EOP Loans		2.49%		2.57%		2.62%		2.97%		3.00%
Loans 30-89 Days Past Due (3)	$	355	$	422	$	362	$	348	$	334	(4%)	(6%)
As a % of EOP Loans		2.13%		2.71%		2.48%		2.92%		3.06%

(1)     Includes certain unallocated costs of global staff functions (including finance, risk, human resources, legal and compliance), other corporate expenses and unallocated global operations and technology expenses and income taxes, as well as Corporate Treasury, certain North America legacy consumer loan portfolios, other legacy assets and discontinued operations.

(2)     4Q18 includes a one-time benefit of $94 million, due to the finalization of the provisional component of the impact based on Citi’s analysis, as well as additional guidance received from the U.S. Treasury Department related to the enactment of the Tax Cuts and Jobs Act.

(3)     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 $0.4 billion and ($0.9 billion), $0.4 billion and ($0.8 billion), $0.3 billion and ($0.7 billion), $0.3 billion and ($0.7 billion), and $0.3 billion and ($0.7 billion) as of June 30, 2018, September 30, 2018, December 31, 2018, March 31, 2019 and June 30, 2019, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) for each period were $0.1 billion and ($0.9 billion), $0.1 billion and ($0.8 billion), $0.1 billion and ($0.7 billion), $0.1 billion and ($0.7 billion), and $0.1 billion and ($0.9 billion) as of June 30, 2018, September 30, 2018, December 31, 2018, March 31, 2019 and June 30, 2019, respectively.

NM  Not meaningful.

Reclassified to conform to the current period's presentation.

Page 17

AVERAGE BALANCES AND INTEREST RATES (1)(2)(3)(4)(5)

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	2018		2019		2019(5)		2018		2019		2019(5)		2018		2019		2019(5)
Assets:
Deposits with Banks	$	176,151	$	171,369	$	192,483	$	493	$	607	$	736	1.12	%	1.44	%	1.53	%
Fed Funds Sold and Resale Agreements (6)		271,371		275,639		266,650		1,336		1,790		1,897	1.97	%	2.63	%	2.85	%
Trading Account Assets (7)		210,631		220,577		245,726		1,773		1,692		2,143	3.38	%	3.11	%	3.50	%
Investments		347,787		351,008		347,401		2,408		2,578		2,529	2.78	%	2.98	%	2.92	%
Total Loans (net of Unearned Income) (8)		669,744		679,209		679,622		11,209		11,990		11,999	6.71	%	7.16	%	7.08	%
Other Interest-Earning Assets		69,341		66,925		67,885		394		483		457	2.28	%	2.93	%	2.70	%
Total Average Interest-Earning Assets	$	1,745,025	$	1,764,727	$	1,799,767	$	17,613	$	19,140	$	19,761	4.05	%	4.40	%	4.40	%
Liabilities:
Deposits (excluding deposit insurance and FDIC Assessment)	$	785,620	$	839,389	$	862,720	$	1,925	$	2,834	$	3,095	0.98	%	1.37	%	1.44	%
Deposit Insurance and FDIC Assessment		-		-		-		319		193		189
Total Deposits		785,620		839,389		862,720		2,244		3,027		3,284	1.15	%	1.46	%	1.53	%
Fed Funds Purchased and Repurchase Agreements (6)		171,073		183,937		189,045		1,224		1,589		1,724	2.87	%	3.50	%	3.66	%
Trading Account Liabilities (7)		97,151		95,290		95,004		236		327		320	0.97	%	1.39	%	1.35	%
Short-Term Borrowings		108,192		99,180		106,205		523		652		715	1.94	%	2.67	%	2.70	%
Long-Term Debt (9)		203,271		196,963		202,524		1,658		1,722		1,719	3.27	%	3.55	%	3.40	%
Total Average Interest-Bearing Liabilities	$	1,365,307	$	1,414,759	$	1,455,498	$	5,885	$	7,317	$	7,762	1.73	%	2.10	%	2.14	%
Total Average Interest-Bearing Liabilities (excluding deposit insurance and FDIC Assessment)	$	1,365,307	$	1,414,759	$	1,455,498	$	5,566	$	7,124	$	7,573	1.64	%	2.04	%	2.09	%
Net Interest Revenue as a % of Average Interest-Earning Assets (NIM)							$	11,728	$	11,823	$	11,999	2.70	%	2.72	%	2.67	%
NIR as a % of Average Interest-Earning Assets (NIM) (excluding deposit insurance and FDIC Assessment)							$	12,047	$	12,016	$	12,188	2.77	%	2.76	%	2.72	%
2Q19 Increase (Decrease) From														(3) bps		(5) bps
2Q19 Increase (Decrease) (excluding deposit insurance and FDIC Assessment) From														(5) bps		(4) bps

(1) Interest Revenue includes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 21%) of $63 million for the second quarter of 2018, $64 million for the first quarter of 2019 and $49 million for the second quarter of 2019.

(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) Second quarter of 2019 is 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 ASU 2013-01 (Topic 210).

(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 in fair value recorded in Principal Transactions.

Reclassified to conform to the current period's presentation.

Page 18

DEPOSITS

(In billions of dollars)

											2Q19 Increase/
	2Q		3Q		4Q		1Q		2Q		(Decrease) from
	2018		2018		2018		2019		2019		1Q19	2Q18
Global Consumer Banking
North America	$	181.7	$	181.9	$	181.2	$	185.4	$	184.0	(1%)	1%
Latin America		28.4		30.1		27.7		28.4		29.2	3%	3%
Asia (1)		97.8		98.7		99.2		101.7		102.6	1%	5%
Total	$	307.9	$	310.7	$	308.1	$	315.5	$	315.8	-	3%
ICG
North America	$	308.1	$	317.5	$	323.1	$	317.3	$	325.0	2%	5%
EMEA		187.1		180.0		183.6		196.7		195.9	-	5%
Latin America		25.9		26.3		27.1		28.2		27.6	(2%)	7%
Asia		154.5		160.9		156.1		159.3		166.3	4%	8%
Total	$	675.6	$	684.7	$	689.9	$	701.5	$	714.8	2%	6%
Corporate/Other	$	13.2	$	9.8	$	15.2	$	13.4	$	15.0	12%	14%
Total Deposits - EOP	$	996.7	$	1,005.2	$	1,013.2	$	1,030.4	$	1,045.6	1%	5%
Total Deposits - Average	$	986.2	$	985.7	$	1,005.7	$	1,017.1	$	1,039.9	2%	5%
Foreign Currency (FX) Translation Impact:
Total EOP Deposits - as Reported	$	996.7	$	1,005.2	$	1,013.2	$	1,030.4	$	1,045.6	1%	5%
Impact of FX Translation (2)		(4.4)		(2.0)		1.3		0.9		-
Total EOP Deposits - Ex-FX (2)	$	992.3	$	1,003.2	$	1,014.5	$	1,031.3	$	1,045.6	1%	5%

(1)Asia GCB includes deposits of certain EMEA countries for all periods presented.

(2)Reflects the impact of FX translation into U.S. Dollars at the second quarter of 2019 exchange rates for all periods presented.

Citigroup's results of operations excluding the impact of FX translation are non-GAAP financial measures.

Reclassified to conform to the current period's presentation.

Page 19

EOP LOANS

(In billions of dollars)

											2Q19 Increase/
	2Q		3Q		4Q		1Q		2Q		(Decrease) from
	2018		2018		2018		2019		2019		1Q19	2Q18
Global Consumer Banking
North America
Credit Cards	$	136.7	$	137.8	$	144.5	$	135.9	$	140.2	3%	3%
Retail Banking		55.7		56.3		56.8		57.3		58.3	2%	5%
Total	$	192.4	$	194.1	$	201.3	$	193.2	$	198.5	3%	3%
Latin America
Credit Cards	$	5.4	$	5.8	$	5.7	$	5.6	$	5.7	2%	6%
Retail Banking		20.1		21.0		19.7		19.7		20.1	2%	-
Total	$	25.5	$	26.8	$	25.4	$	25.3	$	25.8	2%	1%
Asia (1)
Credit Cards	$	18.8	$	18.6	$	19.3	$	18.8	$	19.2	2%	2%
Retail Banking		69.3		69.5		69.2		70.0		70.8	1%	2%
Total	$	88.1	$	88.1	$	88.5	$	88.8	$	90.0	1%	2%
Total GCB Consumer Loans
Credit Cards	$	160.9	$	162.2	$	169.5	$	160.3	$	165.1	3%	3%
Retail Banking		145.1		146.8		145.7		147.0		149.2	1%	3%
Total GCB	$	306.0	$	309.0	$	315.2	$	307.3	$	314.3	2%	3%
Corporate/Other - Consumer:
North America (primarily Mortgages)	$	17.6	$	16.4	$	15.3	$	12.6	$	11.6	(8%)	(34%)
International		-		-		-		-		-	-	-
Corporate/Other - Other Consumer		-		0.1		-		-		0.1	-	-
Total Corporate/Other - Consumer	$	17.6	$	16.5	$	15.3	$	12.6	$	11.7	(7%)	(34%)
Total Consumer Loans	$	323.6	$	325.5	$	330.5	$	319.9	$	326.0	2%	1%
Corporate Loans - By Region
North America	$	165.4	$	167.8	$	174.8	$	180.8	$	181.3	-	10%
EMEA		82.9		83.8		84.3		86.0		87.8	2%	6%
Latin America		32.3		34.0		33.5		32.9		31.5	(4%)	(2%)
Asia		66.9		63.8		61.1		62.8		62.1	(1%)	(7%)
Total Corporate Loans	$	347.5	$	349.4	$	353.7	$	362.5	$	362.7	-	4%
Corporate Loans - By Product
Corporate Lending	$	130.5	$	127.8	$	129.3	$	133.1	$	130.1	(2%)	-
Private Bank		92.3		94.4		95.7		99.6		102.6	3%	11%
Treasury and Trade Solutions		79.7		79.3		78.2		77.5		77.2	-	(3%)
Markets and Securities Services		45.0		47.9		50.5		52.3		52.8	1%	17%
Total Corporate Loans	$	347.5	$	349.4	$	353.7	$	362.5	$	362.7	-	4%
Total Loans	$	671.2	$	674.9	$	684.2	$	682.3	$	688.7	1%	3%
Foreign Currency (FX) Translation Impact:
Total EOP Loans - as Reported	$	671.2	$	674.9	$	684.2	$	682.3	$	688.7	1%	3%
Impact of FX Translation (2)		(2.6)		(1.7)		0.5		0.2		-
Total EOP Loans - Ex-FX (2)	$	668.6	$	673.2	$	684.7	$	682.5	$	688.7	1%	3%

(1)Asia GCB includes loans of certain EMEA countries for all periods presented.

(2)Reflects the impact of FX translation into U.S. Dollars at the second quarter of 2019 exchange rates for all periods presented.

Citigroup's results of operations excluding the impact of FX translation are non-GAAP financial measures.

Reclassified to conform to the current period's presentation.

Page 20

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
		2018		2018		2018		2019		2019	2019
GCB (2)
Total	$	2,345	$	2,404	$	2,619	$	2,585	$	2,466	$	314.3
Ratio		0.77%		0.78%		0.83%		0.84%		0.79%
Retail Bank (2)
Total	$	500	$	508	$	485	$	474	$	456	$	149.2
Ratio		0.35%		0.35%		0.33%		0.32%		0.31%
North America (2)	$	179	$	188	$	180	$	179	$	145	$	58.3
Ratio		0.33%		0.34%		0.32%		0.32%		0.25%
Latin America	$	132	$	126	$	127	$	114	$	124	$	20.1
Ratio		0.66%		0.60%		0.64%		0.58%		0.62%
Asia (3)	$	189	$	194	$	178	$	181	$	187	$	70.8
Ratio		0.27%		0.28%		0.26%		0.26%		0.26%
Cards
Total	$	1,845	$	1,896	$	2,134	$	2,111	$	2,010	$	165.1
Ratio		1.15%		1.17%		1.26%		1.32%		1.22%
North America - Citi-Branded	$	712	$	707	$	812	$	828	$	799	$	90.6
Ratio		0.81%		0.80%		0.88%		0.95%		0.88%
North America - Retail Services	$	781	$	832	$	952	$	918	$	840	$	49.6
Ratio		1.61%		1.68%		1.81%		1.88%		1.69%
Latin America	$	160	$	169	$	171	$	165	$	169	$	5.7
Ratio		2.96%		2.91%		3.00%		2.95%		2.96%
Asia (3)	$	192	$	188	$	199	$	200	$	202	$	19.2
Ratio		1.02%		1.01%		1.03%		1.06%		1.05%
Corporate/Other - Consumer (2)	$	415	$	401	$	382	$	354	$	327	$	11.7
Ratio		2.49%		2.57%		2.62%		2.97%		3.00%
Total Citigroup (2)	$	2,760	$	2,805	$	3,001	$	2,939	$	2,793	$	326.0
Ratio		0.86%		0.87%		0.91%		0.92%		0.86%

(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 Retail Banking and Corporate/Other North America 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. See footnote 2 on page 9 and footnote 1 on page 17.

(3)Asia includes delinquency amounts, ratios and loans of certain EMEA countries for all periods presented.

Reclassified to conform to the current period's presentation.

Page 21

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
	2018		2018		2018		2019		2019		2019
GCB (2)
Total	$	2,558	$	2,890	$	2,902	$	2,776	$	2,821	$	314.3
Ratio		0.84%		0.94%		0.92%		0.91%		0.90%
Retail Bank (2)
Total	$	754	$	857	$	790	$	769	$	869	$	149.2
Ratio		0.52%		0.59%		0.54%		0.53%		0.58%
North America (2)	$	252	$	320	$	282	$	269	$	361	$	58.3
Ratio		0.46%		0.58%		0.50%		0.47%		0.63%
Latin America	$	183	$	235	$	201	$	201	$	206	$	20.1
Ratio		0.91%		1.12%		1.02%		1.02%		1.02%
Asia (3)	$	319	$	302	$	307	$	299	$	302	$	70.8
Ratio		0.46%		0.43%		0.44%		0.43%		0.43%
Cards
Total	$	1,804	$	2,033	$	2,112	$	2,007	$	1,952	$	165.1
Ratio		1.12%		1.25%		1.25%		1.25%		1.18%
North America - Citi-Branded	$	627	$	722	$	755	$	731	$	705	$	90.6
Ratio		0.71%		0.82%		0.82%		0.84%		0.78%
North America - Retail Services	$	761	$	890	$	932	$	859	$	831	$	49.6
Ratio		1.57%		1.80%		1.77%		1.76%		1.68%
Latin America	$	156	$	170	$	170	$	161	$	159	$	5.7
Ratio		2.89%		2.93%		2.98%		2.88%		2.79%
Asia (3)	$	260	$	251	$	255	$	256	$	257	$	19.2
Ratio		1.38%		1.35%		1.32%		1.36%		1.34%
Corporate/Other - Consumer (2)	$	355	$	422	$	362	$	348	$	334	$	11.7
Ratio		2.13%		2.71%		2.48%		2.92%		3.06%
Total Citigroup (2)	$	2,913	$	3,312	$	3,264	$	3,124	$	3,155	$	326.0
Ratio		0.90%		1.02%		0.99%		0.98%		0.97%

(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 Retail Banking and Corporate/Other North America 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. See footnote 2 on page 9 and footnote 1 on page 17.

(3) Asia includes delinquency amounts, ratios and loans of certain EMEA countries for all periods presented.

Reclassified to conform to the current period's presentation.

Page 22

ALLOWANCE FOR CREDIT LOSSES - PAGE 1

(In millions of dollars)

											2Q19 Increase/		Six		Six		YTD 2019 vs.
	2Q		3Q		4Q		1Q		2Q		(Decrease) from		Months		Months		YTD 2018 Increase/
	2018		2018		2018		2019		2019		1Q19	2Q18	2018		2019		(Decrease)
Total Citigroup
Allowance for Loan Losses at Beginning of Period (1)	$	12,354	$	12,126	$	12,336	$	12,315	$	12,329			$	12,355	$	12,315
Gross Credit (Losses)		(2,109)		(2,094)		(2,166)		(2,345)		(2,354)	-	(12%)		(4,405)		(4,699)	(7%)
Gross Recoveries		405		338		380		397		391	(2%)	(3%)		834		788	(6%)
Net Credit (Losses) / Recoveries (NCLs)		(1,704)		(1,756)		(1,786)		(1,948)		(1,963)	1%	15%		(3,571)		(3,911)	10%
NCLs		1,704		1,756		1,786		1,948		1,963	1%	15%		3,571		3,911	10%
Net Reserve Builds / (Releases)		31		169		92		67		53	(21%)	71%		133		120	(10%)
Net Specific Reserve Builds / (Releases)		60		(19)		(28)		(71)		73	NM	22%		(106)		2	NM
Provision for Loan Losses		1,795		1,906		1,850		1,944		2,089	7%	16%		3,598		4,033	12%
Other (2) (3) (4) (5) (6) (7)		(319)		60		(85)		18		11	(39%)	NM		(256)		29
Allowance for Loan Losses at End of Period (1) (a)	$	12,126	$	12,336	$	12,315	$	12,329	$	12,466			$	12,126	$	12,466
Allowance for Unfunded Lending Commitments (8) (a)	$	1,278	$	1,321	$	1,367	$	1,391	$	1,376			$	1,278	$	1,376
Provision (Release) for Unfunded Lending Commitments	$	(4)	$	42	$	47	$	24	$	(15)			$	24	$	9
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	13,404	$	13,657	$	13,682	$	13,720	$	13,842			$	13,404	$	13,842
Total Allowance for Loan Losses as a Percentage of Total Loans (9) (10)		1.81%		1.84%		1.81%		1.82%		1.82%
Consumer
Allowance for Loan Losses at Beginning of Period (1)	$	10,039	$	9,796	$	9,997	$	9,950	$	10,026			$	9,869	$	9,950
Net Credit Losses (NCLs)		(1,706)		(1,726)		(1,741)		(1,892)		(1,893)	-	11%		(3,477)		(3,785)	9%
NCLs		1,706		1,726		1,741		1,892		1,893	-	11%		3,477		3,785	9%
Net Reserve Builds / (Releases)		61		135		21		60		15	(75%)	(75%)		182		75	(59%)
Net Specific Reserve Builds / (Releases)		(3)		8		12		(10)		64	NM	NM		(14)		54	NM
Provision for Loan Losses		1,764		1,869		1,774		1,942		1,972	2%	12%		3,645		3,914	7%
Other (2) (3) (4) (5) (6) (7)		(301)		58		(80)		26		8	(69%)	NM		(241)		34	NM
Allowance for Loan Losses at End of Period (1) (b)	$	9,796	$	9,997	$	9,950	$	10,026	$	10,113			$	9,796	$	10,113
Consumer Allowance for Unfunded Lending Commitments (8) (b)	$	34	$	40	$	32	$	37	$	42			$	34	$	42
Provision (Release) for Unfunded Lending Commitments	$	3	$	6	$	(8)	$	4	$	5			$	2	$	9
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (b)]	$	9,830	$	10,037	$	9,982	$	10,063	$	10,155			$	9,830	$	10,155
Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans (9)		3.03%		3.07%		3.01%		3.13%		3.10%
Corporate
Allowance for Loan Losses at Beginning of Period (1)	$	2,315	$	2,330	$	2,339	$	2,365	$	2,303			$	2,486	$	2,365
Net Credit (Losses) / Recoveries (NCL's)		2		(30)		(45)		(56)		(70)	25%	NM		(94)		(126)	34%
NCLs		(2)		30		45		56		70	25%	NM		94		126	34%
Net Reserve Builds / (Releases)		(30)		34		71		7		38	NM	NM		(49)		45	NM
Net Specific Reserve Builds / (Releases)		63		(27)		(40)		(61)		9	NM	(86%)		(92)		(52)	43%
Provision for Loan Losses		31		37		76		2		117	NM	NM		(47)		119	NM
Other (2)		(18)		2		(5)		(8)		3				(15)		(5)
Allowance for Loan Losses at End of Period (1) (c)	$	2,330	$	2,339	$	2,365	$	2,303	$	2,353			$	2,330	$	2,353
Corporate Allowance for Unfunded Lending Commitments (8) (c)	$	1,244	$	1,281	$	1,335	$	1,354	$	1,334			$	1,244	$	1,334
Provision (Release) for Unfunded Lending Commitments	$	(7)	$	36	$	55	$	20	$	(20)			$	22	$	-
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (c)]	$	3,574	$	3,620	$	3,700	$	3,657	$	3,687			$	3,574	$	3,687
Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans (10)		0.68%		0.68%		0.67%		0.64%		0.66%
Footnotes to these tables are on the following page (page 24).

Page 23

ALLOWANCE FOR CREDIT LOSSES - PAGE 2

The following footnotes relate to the tables on the prior page (page 23).

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

(3) The second quarter of 2018 includes a reduction of approximately $137 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $33 million related to the transfers of a real estate loan portfolio to HFS. Additionally, the second quarter includes a decrease of approximately $164 million related to FX translation.

(4) The third quarter of 2018 includes a reduction of approximately $5 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $2 million related to the transfers of a real estate loan portfolio to HFS. Additionally, the third quarter includes an increase of approximately $62 million related to FX translation.

(5) The fourth quarter of 2018 includes a reduction of approximately $4 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $3 million related to the transfers of a real estate loan portfolio to HFS. Additionally, the fourth quarter includes a decrease of approximately $76 million related to FX translation.

(6) The first quarter of 2019 includes an increase of approximately $26 million related to FX translation.

(7) The second quarter of 2019 includes an increase of approximately $13 million related to FX translation.

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

(9) June 30, 2018, September 30, 2018, December 31, 2018, March 31, 2019 and June 30, 2019 exclude $22 million, $21 million, $21 million, $20 million and $20 million, respectively, of consumer loans which are carried at fair value.

(10) June 30, 2018, September 30, 2018, December 31, 2018, March 31, 2019 and June 30, 2019 exclude $3.0 billion, $4.2 billion, $3.2 billion, $3.9 billion and 3.8 billion, respectively, of corporate loans which are carried at fair value.

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 24

COMPONENTS OF PROVISION FOR LOAN LOSSES

(In millions of dollars)

												2Q19 Increase/		Six		Six		YTD 2019 vs.
	2Q		3Q		4Q		1Q		2Q			(Decrease) from		Months		Months		YTD 2018 Increase/
	2018		2018		2018		2019		2019			1Q19	2Q18	2018		2019		(Decrease)
Global Consumer Banking
Net Credit Losses	$	1,726	$	1,714	$	1,744	$	1,891	$	1,889		-	9%	$	3,462	$	3,780	9%
Credit Reserve Build / (Release)		154		186		79		76		99		30%	(36%)		298		175	(41%)
North America
Net Credit Losses		1,278		1,242		1,281		1,429		1,428		-	12%		2,574		2,857	11%
Credit Reserve Build / (Release)		115		116		84		98		82		(16%)	(29%)		238		180	(24%)
Retail Banking
Net Credit Losses		32		32		31		60		51		(15%)	59%		75		111	48%
Credit Reserve Build / (Release)		(6)		1		11		(23)		(3)		87%	50%		(26)		(26)	-
Citi-Branded Cards
Net Credit Losses		657		644		650		706		723		2%	10%		1,308		1,429	9%
Credit Reserve Build / (Release)		51		59		41		76		64	��	(16%)	25%		126		140	11%
Citi Retail Services
Net Credit Losses		589		566		600		663		654		(1%)	11%		1,191		1,317	11%
Credit Reserve Build / (Release)		70		56		32		45		21		(53%)	(70%)		138		66	(52%)
Latin America
Net Credit Losses		278		307		290		298		285		(4%)	3%		556		583	5%
Credit Reserve Build / (Release)		33		31		(23)		(7)		10		NM	(70%)		75		3	(96%)
Retail Banking
Net Credit Losses		138		153		144		138		129		(7%)	(7%)		270		267	(1%)
Credit Reserve Build / (Release)		9		9		(34)		(4)		(7)		(75%)	NM		19		(11)	NM
Citi-Branded Cards
Net Credit Losses		140		154		146		160		156		(3%)	11%		286		316	10%
Credit Reserve Build / (Release)		24		22		11		(3)		17		NM	(29%)		56		14	(75%)
Asia (1)
Net Credit Losses		170		165		173		164		176		7%	4%		332		340	2%
Credit Reserve Build / (Release)		6		39		18		(15)		7		NM	17%		(15)		(8)	47%
Retail Banking
Net Credit Losses		58		58		71		58		64		10%	10%		115		122	6%
Credit Reserve Build / (Release)		5		13		-		9		-		(100%)	(100%)		(8)		9	NM
Citi-Branded Cards
Net Credit Losses		112		107		102		106		112		6%	-		217		218	-
Credit Reserve Build / (Release)		1		26		18		(24)		7		NM	NM		(7)		(17)	NM
Institutional Clients Group (ICG)
Net Credit Losses		(1)		23		45		55		72		31%	NM		104		127	22%
Credit Reserve Build / (Release)		32		7		32		(54)		47		NM	47%		(143)		(7)	95 %
Corporate / Other
Net Credit Losses		(21)		19		(3)		2		2		-	NM		5		4	(20%)
Credit Reserve Build / (Release)		(95)		(43)		(47)		(26)		(20)		23%	79%		(128)		(46)	64%
Total Provision for Loan Losses	$	1,795	$	1,906	$	1,850	$	1,944	$	2,089		7%	16%	$	3,598	$	4,033	12%

(1) Asia GCB includes NCLs and credit reserve builds (releases) for certain EMEA countries for all periods presented.

NM Not meaningful.

Reclassified to conform to the current period's presentation.

Page 25

NON-ACCRUAL ASSETS

(In millions of dollars)

											2Q19 Increase/
	2Q		3Q		4Q		1Q		2Q		(Decrease) from
	2018		2018		2018		2019		2019		1Q19	2Q18
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region
North America	$	784	$	679	$	483	$	922	$	779	(16%)	(1%)
EMEA		391		362		375		317		321	1%	(18%)
Latin America		204		266		230		225		259	15%	27%
Asia		244		233		223		18		51	NM	(79%)
Total	$	1,623	$	1,540	$	1,311	$	1,482	$	1,410	(5%)	(13%)
Consumer Non-Accrual Loans By Region (2)
North America	$	1,373	$	1,323	$	1,241	$	1,230	$	1,216	(1%)	(11%)
Latin America		726		764		715		694		723	4%	-
Asia (3)		284		287		270		281		289	3%	2%
Total	$	2,383	$	2,374	$	2,226	$	2,205	$	2,228	1%	(7%)
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
Institutional Clients Group	$	23	$	33	$	29	$	30	$	32	7%	39%
Global Consumer Banking		23		20		20		19		13	(32%)	(43%)
Corporate/Other		55		56		50		49		37	(24%)	(33%)
TOTAL OTHER REAL ESTATE OWNED (OREO) (4)	$	101	$	109	$	99	$	98	$	82	(16%)	(19%)
OREO By Region:
North America	$	66	$	76	$	64	$	63	$	47	(25%)	(29%)
EMEA		1		1		1		1		1	-	-
Latin America		24		25		12		13		14	8%	(42%)
Asia		10		7		22		21		20	(5%)	100%
Total	$	101	$	109	$	99	$	98	$	82	(16%)	(19%)
Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	1,623	$	1,540	$	1,311	$	1,482	$	1,410	(5%)	(13%)
Consumer Non-Accrual Loans		2,383		2,374		2,226		2,205		2,228	1%	(7%)
Non-Accrual Loans (NAL)		4,006		3,914		3,537		3,687		3,638	(1%)	(9%)
OREO		101		109		99		98		82	(16%)	(19%)
Non-Accrual Assets (NAA)	$	4,107	$	4,023	$	3,636	$	3,785	$	3,720	(2%)	(9%)
NAL as a % of Total Loans		0.60%		0.58%		0.52%		0.54%		0.53%
NAA as a % of Total Assets		0.21%		0.21%		0.19%		0.19%		0.19%
Allowance for Loan Losses as a % of NAL		303%		315%		348%		334 %		343%

(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 Statement of Position (SOP) 03-3 purchased distressed loans.

(3) Asia GCB includes balances for certain EMEA countries for all periods presented.

(4) 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.

(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.

Page 26

CITIGROUP

CET1 CAPITAL AND SUPPLEMENTARY LEVERAGE RATIOS, TANGIBLE COMMON EQUITY, BOOK VALUE PER

SHARE AND TANGIBLE BOOK VALUE PER SHARE

(In millions of dollars or shares, except per share amounts and ratios)

	June 30,		September 30,		December 31,		March 31,		June 30,
Common Equity Tier 1 Capital Ratio and Components(1)	2018		2018		2018		2019		2019(2)
Citigroup Common Stockholders' Equity(3)	$	181,243	$	178,153	$	177,928	$	178,427	$	179,534
Add: Qualifying noncontrolling interests		145		148		147		144		154
Regulatory Capital Adjustments and Deductions:
Less:
Accumulated net unrealized losses on cash flow hedges, net of tax(4)		(1,021)		(1,095)		(728)		(442)		75
Cumulative unrealized net gain (loss) related to changes in fair value of financial
liabilities attributable to own creditworthiness, net of tax(5)		(162)		(503)		580		(67)		(85)
Intangible Assets:
Goodwill, net of related deferred tax liabilities (DTLs)(6)		21,809		21,891		21,778		21,768		21,793
Identifiable intangible assets other than mortgage servicing rights
(MSRs), net of related DTLs		4,461		4,304		4,402		4,390		4,264
Defined benefit pension plan net assets		882		931		806		811		969
Deferred tax assets (DTAs) arising from net operating loss, foreign tax credit
and general business credit carry-forwards		12,551		12,345		11,985		11,756		11,547
Common Equity Tier 1 Capital (CET1)	$	142,868	$	140,428	$	139,252	$	140,355	$	141,125
Risk-Weighted Assets (RWA)	$	1,176,863	$	1,196,923	$	1,174,448	$	1,178,628	$	1,184,666
Common Equity Tier 1 Capital Ratio (CET1/RWA)		12.14%		11.73%		11.86%		11.91%		11.9%
Supplementary Leverage Ratio and Components
Common Equity Tier 1 Capital (CET1)	$	142,868	$	140,428	$	139,252	$	140,355	$	141,125
Additional Tier 1 Capital (AT1)(7)		19,134		19,449		18,870		18,357		18,309
Total Tier 1 Capital (T1C) (CET1 + AT1)	$	162,002	$	159,877	$	158,122	$	158,712	$	159,434
Total Leverage Exposure (TLE)	$	2,453,497	$	2,459,993	$	2,465,641	$	2,463,958	$	2,499,469
Supplementary Leverage Ratio (T1C/TLE)		6.60%		6.50%		6.41%		6.44%		6.4%
Tangible Common Equity, Book Value Per Share and Tangible Book Value
Per Share
Common Stockholders' Equity	$	181,059	$	177,969	$	177,760	$	178,272	$	179,379
Less:
Goodwill		22,058		22,187		22,046		22,037		22,065
Intangible assets (other than MSRs)		4,729		4,598		4,636		4,645		4,518
Goodwill and identifiable intangible assets (other than MSRs) related to assets HFS		32		-		-		-		-
Tangible Common Equity (TCE)	$	154,240	$	151,184	$	151,078	$	151,590	$	152,796
Common Shares Outstanding (CSO)		2,516.6		2,442.1		2,368.5		2,312.5		2,259.1
Book Value Per Share (Common Equity/CSO)	$	71.95	$	72.88	$	75.05	$	77.09	$	79.40
Tangible Book Value Per Share (TCE/CSO)	$	61.29	$	61.91	$	63.79	$	65.55	$	67.64

(1) See footnote 2 on page 1.

(2) Preliminary.

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

(4) Common Equity Tier 1 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.

(5) 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 Common Equity Tier 1 Capital, in accordance with the U.S. Basel III rules.

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

(7) Additional Tier 1 Capital primarily includes qualifying noncumulative perpetual preferred stock and qualifying trust preferred securities.

Reclassified to conform to the current period's presentation.

Page 27