PLEDGED ASSETS, COLLATERAL, GUARANTEES AND COMMITMENTS (Tables)

12 Months Ended

Dec. 31, 2015

Pledged Assets, Collateral, Guarantees and Commitments [Abstract]

Schedule of carrying value of assets pledged

he approximate carrying values of the significant components of pledged assets recognized on the Company’s Consolidated Balance Sheet included:



In millions of dollars	2015		2014
Investment securities	$	210,604	$	173,015
Loans	203,568		214,530
Trading account assets	97,205		111,832
Total	$	511,377	$	499,377

Schedule of future minimum rental payments for operating leases

Future minimum annual rentals under noncancellable leases, net of sublease income, are as follows:



In millions of dollars
2016	$	1,238
2017	1,002
2018	778
2019	698
2020	567
Thereafter	4,483
Total	$	8,766

Schedule of guarantor obligations

The following tables present information about Citi’s guarantees:



	Maximum potential amount of future payments
In billions of dollars at December 31, 2015 except carrying value in millions	Expire within 1 year		Expire after 1 year		Total amount outstanding		Carrying value (in millions of dollars)
Financial standby letters of credit	$	23.8	$	73.0	$	96.8	$	153
Performance guarantees	7.4		4.1		11.5		24
Derivative instruments considered to be guarantees	3.6		74.9		78.5		1,779
Loans sold with recourse	—		0.2		0.2		17
Securities lending indemnifications⁽¹⁾	79.0		—		79.0		—
Credit card merchant processing⁽¹⁾	84.2		—		84.2		—
Custody indemnifications and other	—		51.7		51.7		56
Total	$	198.0	$	203.9	$	401.9	$	2,029



	Maximum potential amount of future payments
In billions of dollars at December 31, 2014 except carrying value in millions	Expire within 1 year		Expire after 1 year		Total amount outstanding		Carrying value (in millions of dollars)
Financial standby letters of credit	$	25.4	$	73.0	$	98.4	$	242
Performance guarantees	7.1		4.8		11.9		29
Derivative instruments considered to be guarantees	12.5		79.2		91.7		2,806
Loans sold with recourse	—		0.2		0.2		15
Securities lending indemnifications⁽¹⁾	115.9		—		115.9		—
Credit card merchant processing⁽¹⁾	86.0		—		86.0		—
Custody indemnifications and other	—		48.9		48.9		54
Total	$	246.9	$	206.1	$	453.0	$	3,146


(1)	The carrying values of securities lending indemnifications and credit card merchant processing were not material for either period presented, as the probability of potential liabilities arising from these guarantees is minimal.

Schedule of guarantor obligations by credit ratings

Presented in the tables below are the maximum potential amounts of future payments that are classified based upon internal and external credit ratings. As previously mentioned, the determination of the maximum potential future payments is based on the notional amount of the guarantees without consideration of possible recoveries under recourse provisions or from collateral held or pledged. As such, Citi believes such amounts bear no relationship to the anticipated losses, if any, on these guarantees.



	Maximum potential amount of future payments
In billions of dollars at December 31, 2015	Investment grade		Non-investment grade		Not rated		Total
Financial standby letters of credit	$	69.2	$	15.4	$	12.2	$	96.8
Performance guarantees	6.6		4.1		0.8		11.5
Derivative instruments deemed to be guarantees	—		—		78.5		78.5
Loans sold with recourse	—		—		0.2		0.2
Securities lending indemnifications	—		—		79.0		79.0
Credit card merchant processing	—		—		84.2		84.2
Custody indemnifications and other	51.6		0.1		—		51.7
Total	$	127.4	$	19.6	$	254.9	$	401.9



	Maximum potential amount of future payments
In billions of dollars at December 31, 2014	Investment grade		Non-investment grade		Not rated		Total
Financial standby letters of credit	$	73.0	$	15.9	$	9.5	$	98.4
Performance guarantees	7.3		3.9		0.7		11.9
Derivative instruments deemed to be guarantees	—		—		91.7		91.7
Loans sold with recourse	—		—		0.2		0.2
Securities lending indemnifications	—		—		115.9		115.9
Credit card merchant processing	—		—		86.0		86.0
Custody indemnifications and other	48.8		0.1		—		48.9
Total	$	129.1	$	19.9	$	304.0	$	453.0

Schedule of Credit Commitments

The table below summarizes Citigroup’s credit commitments:



In millions of dollars	U.S.		Outside of U.S.		December 31, 2015		December 31, 2014
Commercial and similar letters of credit	$	1,248	$	4,854	$	6,102	$	6,634
One- to four-family residential mortgages	1,343		1,853		3,196		5,674
Revolving open-end loans secured by one- to four-family residential properties	12,648		2,078		14,726		16,098
Commercial real estate, construction and land development	9,177		1,345		10,522		9,242
Credit card lines	481,897		91,160		573,057		612,049
Commercial and other consumer loan commitments	178,957		92,119		271,076		243,680
Other commitments and contingencies	3,943		6,039		9,982		10,663
Total	$	689,213	$	199,448	$	888,661	$	904,040