EX-99.7

CONSOLIDATED BALANCE SHEET

(Continued)

Citigroup Inc. and Subsidiaries


	December 31,
In millions of dollars, except shares and per share amounts	2020			2019
Liabilities

Non-interest-bearing deposits in U.S. offices	$	126,942		$	98,811

Interest-bearing deposits in U.S. offices (including $879 and $1,624 as of December 31, 2020 and 2019, respectively, at fair value)		503,213			401,418

Non-interest-bearing deposits in offices outside the U.S.		100,543			85,692

Interest-bearing deposits in offices outside the U.S. (including $1,079 and $695 as of December 31, 2020 and 2019, respectively, at fair value)		549,973			484,669
Total deposits	$	1,280,671		$	1,070,590

Securities loaned and sold under agreements to repurchase (including $60,206 and $40,651 as of December 31, 2020 and 2019, respectively, at fair value)		199,525			166,339

Brokerage payables		50,484			48,601

Trading account liabilities		168,027			119,894

Short-term borrowings (including $4,683 and $4,946 as of December 31, 2020 and 2019, respectively, at fair value)		29,514			45,049

Long-term debt (including $67,063 and $55,783 as of December 31, 2020 and 2019, respectively, at fair value)		271,686			248,760

Other liabilities (including $6,835 and $6,343 as of December 31, 2020 and 2019, respectively, at fair value), including allowance		59,983			57,979
Total liabilities	$	2,059,890		$	1,757,212

Stockholders’ equity

Preferred stock ($1.00 par value; authorized shares: 30 million), issued shares: 779,200 as of December 31, 2020 and 719,200 as of December 31, 2019, at aggregate liquidation value	$	19,480		$	17,980

Common stock ($0.01 par value; authorized shares: 6 billion), issued shares: 3,099,763,661 as of December 31, 2020 and 3,099,602,856 as of December 31, 2019		31			31

Additional paid-in capital		107,846			107,840

Retained earnings		168,272			165,369

Treasury stock, at cost: 1,017,674,452 shares as of December 31, 2020 and 985,479,501 shares as of December 31, 2019		(64,129	)		(61,660	)

Accumulated other comprehensive income (loss) (AOCI)		(32,058	)		(36,318	)
Total Citigroup stockholders’ equity	$	199,442		$	193,242

Noncontrolling interests		758			704
Total equity	$	200,200		$	193,946
Total liabilities and equity	$	2,260,090		$	1,951,158

The following table presents certain liabilities of consolidated VIEs, which are included on the Consolidated Balance Sheet above. The liabilities in the table below include third-party liabilities of consolidated VIEs only and exclude intercompany balances that eliminate in consolidation. The liabilities also exclude amounts where creditors or beneficial interest holders have recourse to the general credit of Citigroup.


	December 31,
In millions of dollars	2020		2019

Liabilities of consolidated VIEs for which creditors or beneficial interest holders do not have recourse to the general credit of Citigroup

Short-term borrowings	$	9,278	$	10,031

Long-term debt		20,405		25,582

Other liabilities		463		917

Total liabilities of consolidated VIEs for which creditors or beneficial interest holders do not have recourse to the general credit of Citigroup	$	30,146	$	36,530

The Notes to the Consolidated Financial Statements are an integral part of these Consolidated Financial Statements.


	December 31,
In millions of dollars		2020			2019
Assets
Cash and due from banks (including segregated cash and other deposits)	$	26,349		$	23,967
Deposits with banks, net of allowance		283,266			169,952
Securities borrowed and purchased under agreements to resell (including $185,204 and $153,193 as of December 31, 2020 and 2019, respectively, at fair value), net of allowance		294,712			251,322
Brokerage receivables, net of allowance		44,806			39,857
Trading account assets (including $168,967 and $120,236 pledged to creditors at December 31, 2020 and 2019, respectively)		375,079			276,140
Investments:
Available-for-sale debt securities (including $5,921 and $8,721 pledged to creditors as of December 31, 2020 and 2019, respectively), net of allowance		335,084			280,265
Held-to-maturity debt securities (including $547 and $1,923 pledged to creditors as of December 31, 2020 and 2019, respectively), net of allowance		104,943			80,775
Equity securities (including $1,066 and $1,162 as of December 31, 2020 and 2019, respectively, at fair value)		7,332			7,523
Total investments	$	447,359		$	368,563
Loans:
Consumer (including $14 and $18 as of December 31, 2020 and 2019, respectively, at fair value)		288,839			309,548
Corporate (including $6,840 and $4,067 as of December 31, 2020 and 2019, respectively, at fair value)		387,044			389,935
Loans, net of unearned income	$	675,883		$	699,483
Allowance for credit losses on loans (ACLL)		(24,956	)		(12,783	)
Total loans, net	$	650,927		$	686,700
Goodwill		22,162			22,126
Intangible assets (including MSRs of $336 and $495 as of December 31, 2020 and 2019, respectively, at fair value)		4,747			4,822
Other assets (including $14,613 and $12,830 as of December 31, 2020 and 2019, respectively, at fair value), net of allowance		110,683			107,709
Total assets	$	2,260,090		$	1,951,158

The following table presents certain assets of consolidated variable interest entities (VIEs), which are included on the Consolidated Balance Sheet above. The assets in the table below include those assets that can only be used to settle obligations of consolidated VIEs, presented on the following page, and are in excess of those obligations. In addition, the assets in the table below include third-party assets of consolidated VIEs only and exclude intercompany balances that eliminate in consolidation.

	December 31,
In millions of dollars	2020			2019
Assets of consolidated VIEs to be used to settle obligations of consolidated VIEs
Cash and due from banks	$	281		$	108
Trading account assets		8,104			6,719
Investments		837			1,295
Loans, net of unearned income
Consumer		37,561			46,977
Corporate		17,027			16,175
Loans, net of unearned income	$	54,588		$	63,152
Allowance for credit losses on loans (ACLL)		(3,794	)		(1,841	)
Total loans, net	$	50,794		$	61,311
Other assets		43			73
Total assets of consolidated VIEs to be used to settle obligations of consolidated VIEs	$	60,059		$	69,506