<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE SUPPLEMENTAL CONSOLIDATED FINANCIAL STATEMENTS OF CITIGROUP INC. FOR THE YEAR ENDED DECEMBER 31, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND ACCOMPANYING DISCLOSURES. </LEGEND> <MULTIPLIER> 1,000,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 10,165 <INT-BEARING-DEPOSITS> 11,648 <FED-FUNDS-SOLD> 109,118<F1> <TRADING-ASSETS> 157,358 <INVESTMENTS-HELD-FOR-SALE> 80,883 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 186,456 <ALLOWANCE> 5,743 <TOTAL-ASSETS> 626,906 <DEPOSITS> 184,955 <SHORT-TERM> 9,753<F2> <LIABILITIES-OTHER> 33,307 <LONG-TERM> 43,246 <PREFERRED-MANDATORY> 2,965 <PREFERRED> 3,203 <COMMON> 27 <OTHER-SE> 35,186 <TOTAL-LIABILITIES-AND-EQUITY> 626,906 <INTEREST-LOAN> 20,090 <INTEREST-INVEST> 0 <INTEREST-OTHER> 17,708 <INTEREST-TOTAL> 37,798 <INTEREST-DEPOSIT> 0 <INTEREST-EXPENSE> 21,336 <INTEREST-INCOME-NET> 16,462 <LOAN-LOSSES> 2,200 <SECURITIES-GAINS> 276 <EXPENSE-OTHER> 8,434 <INCOME-PRETAX> 11,087 <INCOME-PRE-EXTRAORDINARY> 11,087 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,073 <EPS-PRIMARY> 2.83<F3> <EPS-DILUTED> 2.71<F3> <YIELD-ACTUAL> 0<F4> <LOANS-NON> 3,160<F5> <LOANS-PAST> 1,118<F6> <LOANS-TROUBLED> 321 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,561 <CHARGE-OFFS> 2,697 <RECOVERIES> 738 <ALLOWANCE-CLOSE> 6,216<F7> <ALLOWANCE-DOMESTIC> 0<F8> <ALLOWANCE-FOREIGN> 0<F9> <ALLOWANCE-UNALLOCATED> 0<F10> <FN> <F1> Includes Securities Purchased Under Resale Agreements. <F2> Purchased Funds and Other Borrowings. <F3> Primary EPS represents Basic EPS under Financial Accounting Standards No. 128, "Earnings per Share" (SFAS No. 128). <F4> Taxable Equivalent Basis. <F5> Includes $905MM of cash-basis commercial loans and $2,255MM of consumer loans on which accrual of interest has been suspended. <F6> Accruing loans 90 or more days delinquent. <F7> Allowance activity for the twelve month period includes ($59)MM in other changes, principally foreign currency translation effects, and reserves for securitization activities. <F8> No portion of Citigroup's credit loss allowance is specifically allocated to any individual loan or group of loans, however, $1,807MM of the allowance at December 31, 1996 was attributed to operations outside the U.S. (see Note 4 to the 1997 10-K). <F9> See Footnote F8 above. <F10> See Footnote F8 above. </FN>