Exhibit 99.2

CITIGROUP - QUARTERLY FINANCIAL DATA SUPPLEMENT 1Q09

	Page Number
Citigroup Consolidated
Financial Summary	1
Consolidated Statement of Income	2
Consolidated Balance Sheet	3
Income:
Segment View	4
Regional View	5
Net Revenues:
Segment View	6
Regional View	7
Segment Detail
Global Cards	8 - 10
Consumer Banking	11 -14
Institutional Clients Group (ICG)	15
Securities and Banking	16
Transaction Services	17
Global Wealth Management	18 - 19
Regional Detail
North America	20
EMEA	21
Latin America	22
Asia	23 -24
Citigroup Supplemental Detail
Return on Capital	25
Average Balances and Interest Rates	26
Consumer Loan Delinquency Amounts, Net Credit Losses and Ratios	27
Allowance for Credit Losses:
Total Citigroup	28
Consumer Loans	29
Corporate Loans	30
Components of Provision for Loan Losses	31
Non-Performing Assets	32

CITIGROUP — FINANCIAL SUMMARY
(In millions of dollars, except per share amounts)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
Total Revenues, Net of Interest Expense	$	12,441		$	18,077		$	16,680		$	5,595		$	24,789		99	%
Total Operating Expenses	15,775			15,644			14,425			25,290			12,087			(23	)%
Provision for Loan Losses and for Benefits and Claims	5,852			7,100			9,067			12,695			10,307			76	%
Income Taxes	(3,939		)	(2,404		)	(3,294		)	(10,975		)	785			NM
Income (Loss) from Continuing Operations	$	(5,247	)	$	(2,263	)	$	(3,518	)	$	(21,415	)	$	1,610		NM
Discontinued Operations, After-tax	115			(156		)	608			3,843			(33		)	NM
Minority Interest	(21		)	76			(95		)	(309		)	(16		)	24	%
Net Income (Loss)	$	(5,111	)	$	(2,495	)	$	(2,815	)	$	(17,263	)	$	1,593		NM
Diluted Earnings Per Share:
Income (Loss) from Continuing Operations	$	(1.06	)(1)	$	(0.51	)(1)	$	(0.74	)(1)	$	(4.18	)(1)	$	(0.18	)(1)	83	%
Net Income (Loss)	$	(1.03	)(1)	$	(0.55	)(1)	$	(0.61	)(1)	$	(3.40	)(1)	$	(0.18	)(1)	83	%
Shares (in millions):
Average Basic	5,085.6			5,287.4			5,341.8			5,346.9			5,385.0			6	%
Average Diluted	5,591.1			5,800.0			5,867.3			5,922.0			5,969.1			7	%
Common Shares Outstanding, at period end	5,249.8			5,445.4			5,449.5			5,450.1			5,512.8			5	%
Preferred Dividends - Basic (in millions) (2)	$	83		$	361		$	389		$	862		$	1,221
Preferred Dividends - Diluted (in millions) (2)	$	17		$	91		$	119		$	591		$	951
Income Available to Common Shareholders - Basic
Income (Loss) from Continuing Operations	$	(5,330	)	$	(2,624	)	$	(3,907	)	$	(22,314	)	$	(949	)  (3)	82	%
Net Income (Loss)	$	(5,194	)	$	(2,856	)	$	(3,204	)	$	(18,162	)	$	(966	)  (3)	81	%
Income Available to Common Shareholders - Diluted
Income (Loss) from Continuing Operations	$	(5,264	)(1)	$	(2,354	)(1)	$	(3,637	)(1)	$	(22,043	)(1)	$	(679	)(1) (3)	87	%
Net Income (Loss)	$	(5,128	)(1)	$	(2,586	)(1)	$	(2,934	)(1)	$	(17,891	)(1)	$	(696	)(1) (3)	86	%
Financial Ratios:
Tier 1 Capital Ratio	7.74		%	8.74		%	8.19		%	11.92		%	11.8		%*
Total Capital Ratio	11.22		%	12.29		%	11.68		%	15.70		%	15.5		%*
Leverage Ratio	4.39		%	5.04		%	4.70		%	6.08		%	6.6		%*
Return on Common Equity	(18.6		)%	(10.4		)%	(12.2		)%	(85.3		)%	(5.6		)%* (3)
Balance Sheet Data, EOP (in billions, except Book Value per Share):
Total Assets	$	2,199.7		$	2,100.4		$	2,050.1		$	1,938.5		$	1,822.6	*	(17	)%
Trading Account Assets	578.4			505.4			457.5			377.6			335.2		*	(42	)%
Total Loans	789.8			746.8			717.0			694.2			657.3		*	(17	)%
Total Deposits	831.2			803.6			780.3			774.2			762.7		*	(8	)%
Stockholders’ Equity	128.1			136.4			126.1			141.6			143.9		*	12	%
Equity and Trust Securities	152.0			160.1			149.7			165.5			168.5		*	11	%
Book Value Per Share	$	20.70		$	20.01		$	18.10		$	13.02		$	12.64	*	(39	)%
Direct Staff (in thousands)	369			363			352			323			309		*	(16	)%

(1)	The Company adopted FSP EITF 03-6-1 on January 1, 2009. All periods have been restated to conform to the current presentation. The Diluted EPS calculation for the first, second, third and fourth quarters of 2008; and the 2009 first quarter utilizes Basic Shares and Income available to common shareholders (Basic) due to the negative Income available to Common shareholders. Using actual Diluted shares and Income available to common shareholders (Diluted) would result in anti-dilution.
(2)	Beginning in the fourth quarter of 2008, preferred stock dividends (subject to declaration) will vary quarter-to-quarter due to Series E being declared on a semi-annual basis compared to a quarterly basis for all other series.
(3)	The first quarter of 2009 Income available to common shareholders includes a reduction of $1.285 billion related to the conversion price reset (triggered on January 23, 2009) pursuant to Citigroup's prior agreement to the purchasers of the $12.5 billion convertible preferred stock issued in the private offering, the conversion price was reset from $31.62 per share to $26.35 per share. The reset will result in Citigroup’s issuing approximately 79 million additional common shares if converted. There is no impact to net income, total stockholders’ equity or capital ratios due to the reset. However, the reset resulted in a reclassification from Retained earnings to Additional paid-in capital of $1.285 billion and a reduction in Income available to common shareholders of $1.285 billion. Income available to common shareholders for the fourth quarter of 2008 and first quarter of 2009 includes a reduction of $37 million and $53 million, respectively, related to the quarterly amortization of the TARP Warrants discount.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

*  Preliminary

1

CITIGROUP CONSOLIDATED STATEMENT OF INCOME
(In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
Revenues
Interest revenue	$	29,190		$	27,372		$	26,182		$	23,911		$	20,609		(29	)%
Interest expense	16,122			13,407			12,776			10,658			7,711			(52	)%
Net interest revenue	13,068			13,965			13,406			13,253			12,898			(1	)%
Commissions and fees	1,576			6,043			3,425			183			4,326			NM
Principal transactions	(6,663		)	(5,589		)	(2,904		)	(7,032		)	3,794			NM
Administrative and other fiduciary fees	2,298			2,289			2,165			1,808			1,662			(28	)%
Realized gains (losses) on investments	(119		)	(139		)	(605		)	(1,198		)	9			NM
Insurance premiums	843			847			823			708			755			(10	)%
Other revenue	1,438			661			370			(2,127		)	1,345			(6	)%
Total non-interest revenues	(627		)	4,112			3,274			(7,658		)	11,891			NM
Total revenues, net of interest expense	12,441			18,077			16,680			5,595			24,789			99	%
Provisions for Credit Losses and for Benefits and Claims
Provision for loan losses	5,577			6,983			8,943			12,171			9,915			78	%
Policyholder benefits and claims	275			260			274			594			332			21	%
Provision for unfunded lending commitments	—			(143		)	(150		)	(70		)	60			—
Total provisions for credit losses and for benefits and claims	5,852			7,100			9,067			12,695			10,307			76	%
Operating Expenses
Compensation and benefits	8,764			8,903			7,758			6,500			6,419			(27	)%
Premises and Equipment	1,356			1,408			1,406			1,402			1,144			(16	)%
Technology / communication expense	1,542			1,559			1,553			1,508			1,179			(24	)%
Advertising and marketing expense	636			648			514			494			343			(46	)%
Restructuring-related items	15			(44		)	8			1,787			(13		)	NM
Other operating	3,462			3,170			3,186			13,599			3,015			(13	)%
Total operating expenses	15,775			15,644			14,425			25,290			12,087			(23	)%
Income (Loss) from Continuing Operations before Income
Income Taxes	(9,186		)	(4,667		)	(6,812		)	(32,390		)	2,395			NM
Provision (benefits) for income taxes	(3,939		)	(2,404		)	(3,294		)	(10,975		)	785			NM
Income (Loss) from Continuing Operations	(5,247		)	(2,263		)	(3,518		)	(21,415		)	1,610			NM
Discontinued Operations (1)
Income (Loss) from Discontinued Operations	163			232			501			582			(18		)
Gain (Loss) on Sale	—			(517		)	9			3,647			(12		)
Provision (benefits) for income taxes	48			(129		)	(98		)	386			3
Income (Loss) from Discontinued Operations, net	115			(156		)	608			3,843			(33		)
Net Income (Loss) before attribution of Minority Interests	(5,132		)	(2,419		)	(2,910		)	(17,572		)	1,577			NM
Net Income (Loss) attributable to noncontrolling Minority Interests (Minority Interest)	(21		)	76			(95		)	(309		)	(16		)
Citigroup’s Net Income (Loss)	$	(5,111	)	$	(2,495	)	$	(2,815	)	$	(17,263	)	$	1,593		NM

(1)	Discontinued Operations includes:
	a)      The sale of substantially all of Citigroup’s CitiCapital equipment finance unit to General Electric.
	b)      The sale of substantially all of Citigroup’s Retail Banking Operations in Germany to Credit Mutuel.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

2

CITIGROUP CONSOLIDATED BALANCE SHEET
(In millions of dollars)

																March 31, 2009
																vs.
	March 31,			June 30,			September 30,			December 31,			March 31,			December 31, 2008
	2008			2008			2008			2008			2009 (1)			Inc (Decr)
Assets
Cash and due from banks (including segregated cash and other deposits)	$	30,837		$	44,824		$	63,026		$	29,253		$	31,063		6	%
Deposits with banks	73,318			67,945			78,670			170,331			159,503			(6	)%
Fed funds sold and securities borr’d or purch under agree. to resell	239,006			220,169			225,409			184,133			179,603			(2	)%
Brokerage receivables	65,653			62,492			80,532			44,278			43,329			(2	)%
Trading account assets	578,437			505,439			457,462			377,635			335,222			(11	)%
Investments
Available-for-sale	204,154			232,527			205,730			191,561			178,046			(7	)%
Held-to-maturity	1			1			1			64,459			60,760			(6	)%
Total Investments	204,155			232,528			205,731			256,020			238,806			(7	)%
Loans, net of unearned income
Consumer	596,987			571,238			543,436			519,673			489,805			(6	)%
Corporate	192,856			175,552			173,519			174,543			167,487			(4	)%
Loans, net of unearned income	789,843			746,790			716,955			694,216			657,292			(5	)%
Allowance for loan losses	(18,257		)	(20,777		)	(24,005		)	(29,616		)	(31,703		)	7	%
Total loans, net	771,586			726,013			692,950			664,600			625,589			(6	)%
Goodwill	43,471			42,386			39,662			27,132			26,410			(3	)%
Intangible assets (other than MSR’s)	16,229			15,608			15,118			14,159			13,612			(4	)%
Mortgage servicing rights (MSR’s)	7,716			8,934			8,346			5,657			5,481			(3	)%
Other assets	169,289			161,101			164,598			165,272			163,960			(1	)%
Assets of discontinued operations held for sale	—			12,946			18,627			—			—			—
Total assets	$	2,199,697		$	2,100,385		$	2,050,131		$	1,938,470		$	1,822,578		(6	)%
Liabilities
Non-interest-bearing deposits in U.S. offices	$	43,779		$	49,636		$	61,694		$	60,070		$	83,245		39	%
Interest-bearing deposits in U.S. offices	226,285			210,916			215,423			229,906			214,673			(7	)%
Total U.S. Deposits	270,064			260,552			277,117			289,976			297,918			3	%
Non-interest-bearing deposits in offices outside the U.S.	45,230			46,765			46,348			37,412			36,602			(2	)%
Interest-bearing deposits in offices outside the U.S.	515,914			496,325			456,878			446,797			428,176			(4	)%
Total International Deposits	561,144			543,090			503,226			484,209			464,778			(4	)%
Total deposits	831,208			803,642			780,343			774,185			762,695			(1	)%
Fed funds purch and securities loaned or sold under agree. to repurch.	279,561			246,107			250,419			205,293			184,803			(10	)%
Brokerage payables	95,597			96,432			117,536			70,916			58,950			(17	)%
Trading account liabilities	201,986			189,468			169,283			167,478			130,826			(22	)%
Short-term borrowings	135,799			114,445			104,855			126,691			116,389			(8	)%
Long-term debt	424,959			417,928			393,097			359,593			337,252			(6	)%
Other liabilities (2)	98,277			90,987			90,801			90,292			85,735			(5	)%
Liabilities of discontinued operations held for sale	—			456			14,273			—			—			—
Total liabilities	$	2,067,387		$	1,959,465		$	1,920,607		$	1,794,448		$	1,676,651		(7	)%
Equity
Stockholders’ Equity
Preferred Stock	19,384			27,424			27,424			70,664			74,246			5	%
Common Stock	55			57			57			57			57			—
Additional paid-in capital	11,131			16,594			16,884			19,165			16,525			(14	)%
Retained earnings	114,899			110,290			105,340			86,521			86,115			—
Treasury stock	(10,020		)	(9,911		)	(9,642		)	(9,582		)	(5,996		)	37	%
Accumulated other comprehensive income (loss)	(7,381		)	(8,049		)	(14,001		)	(25,195		)	(27,013		)	(7	)%
Total stockholders’ equity	$	128,068		$	136,405		$	126,062		$	141,630		$	143,934		2	%
Noncontrolling Minority interests (Minority interest)	4,242			4,515			3,462			2,392			1,993			(17	)%
Total equity	$	132,310		$	140,920		$	129,524		$	144,022		$	145,927		1	%
Total liabilities and equity	$	2,199,697		$	2,100,385		$	2,050,131		$	1,938,470		$	1,822,578		(6	)%

(1)Preliminary

(2)Includes allowance for credit losses for letters of credit and unfunded lending commitments of $1,250 million for the first quarter of 2008, $1,107 million for the second quarter of 2008, $957 million for the third quarter of 2008, and $887 million for the fourth quarter of 2008, respectively, and $947 million for the first quarter of 2009.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

3

CITIGROUP — NET INCOME
SEGMENT VIEW
(In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
Global Cards:
North America	$	537		$	178		$	(873	)	$	(371	)	$	(209	)	NM
EMEA	42			4			(25		)	(138		)	(65		)	NM
Latin America	516			165			(36		)	(154		)	669			30	%
Asia	131			105			32			53			22			(83	)%
Total Global Cards	1,226			452			(902		)	(610		)	417			(66	)%
Consumer Banking:
North America	(333		)	(951		)	(1,080		)	(6,639		)	(1,245		)	NM
EMEA	(85		)	(63		)	(94		)	(364		)	(178		)	NM
Latin America	271			76			29			(4,198		)	81			(70	)%
Asia	199			110			46			796			116			(42	)%
Total Consumer Banking	52			(828		)	(1,099		)	(10,405		)	(1,226		)	NM
Institutional Clients Group (ICG):
North America	(5,955		)	(2,853		)	(2,950		)	(8,713		)	(135		)	98	%
EMEA	(1,142		)	(89		)	104			25			2,019			NM
Latin America	382			402			271			237			442			16	%
Asia	358			496			558			(1,248		)	507			42	%
Total Institutional Clients Group (ICG)	(6,357		)	(2,044		)	(2,017		)	(9,699		)	2,833			NM
Global Wealth Management:
North America	165			309			264			230			244			48	%
EMEA	26			20			24			14			26			—
Latin America	26			15			16			(1		)	(9		)	NM
Asia	77			61			59			(214		)	—			(100	)%
Total Global Wealth Management	294			405			363			29			261			(11	)%
Corporate / Other	(462		)	(248		)	137			(730		)	(675		)	(46	)%
Income (Loss) From Continuing Operations	(5,247		)	(2,263		)	(3,518		)	(21,415		)	1,610			NM
Discontinued Operations	115			(156		)	608			3,843			(33		)
Net Income (Loss) attributable to noncontrolling Minority Interests	(21		)	76			(95		)	(309		)	(16		)
Citigroup’s Net Income (Loss)	$	(5,111	)	$	(2,495	)	$	(2,815	)	$	(17,263	)	$	1,593		NM

NM Not meaningful

Reclassified to conform to the current period’s presentation.

4

CITIGROUP — NET INCOME
REGIONAL VIEW
(In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
North America
Global Cards	$	537		$	178		$	(873	)	$	(371	)	$	(209	)	NM
Consumer Banking	(333		)	(951		)	(1,080		)	(6,639		)	(1,245		)	NM
Institutional Clients Group	(5,955		)	(2,853		)	(2,950		)	(8,713		)	(135		)	98	%
Securities & Banking	(6,034		)	(2,904		)	(3,037		)	(8,784		)	(269		)	96	%
Transaction Services	79			51			87			71			134			70	%
Global Wealth Management	165			309			264			230			244			48	%
Total North America	(5,586		)	(3,317		)	(4,639		)	(15,493		)	(1,345		)	76	%
EMEA
Global Cards	42			4			(25		)	(138		)	(65		)	NM
Consumer Banking	(85		)	(63		)	(94		)	(364		)	(178		)	NM
Institutional Clients Group	(1,142		)	(89		)	104			25			2,019			NM
Securities & Banking	(1,364		)	(327		)	(175		)	(240		)	1,728			NM
Transaction Services	222			238			279			265			291			31	%
Global Wealth Management	26			20			24			14			26			0	%
Total EMEA	(1,159		)	(128		)	9			(463		)	1,802			NM
Latin America
Global Cards	516			165			(36		)	(154		)	669			30	%
Consumer Banking	271			76			29			(4,198		)	81			(70	)%
Institutional Clients Group	382			402			271			237			442			16	%
Securities & Banking	250			260			126			129			294			18	%
Transaction Services	132			142			145			108			148			12	%
Global Wealth Management	26			15			16			(1		)	(9		)	NM
Total Latin America	1,195			658			280			(4,116		)	1,183			(1	)%
Asia
Global Cards	131			105			32			53			22			(83	)%
Consumer Banking	199			110			46			796			116			(42	)%
Institutional Clients Group	358			496			558			(1,248		)	507			42	%
Securities & Banking	59			226			252			(1,525		)	237			NM
Transaction Services	299			270			306			277			270			(10	)%
Global Wealth Management	77			61			59			(214		)	—			(100	)%
Total Asia	765			772			695			(613		)	645			(16	)%
Corporate / Other	(462		)	(248		)	137			(730		)	(675		)	(46	)%
Income (Loss) From Continuing Operations	(5,247		)	(2,263		)	(3,518		)	(21,415		)	1,610			NM
Discontinued Operations	115			(156		)	608			3,843			(33		)
Net Income (Loss) attributable to noncontrolling Minority Interests	(21		)	76			(95		)	(309		)	(16		)
Citigroup’s Net Income (Loss)	$	(5,111	)	$	(2,495	)	$	(2,815	)	$	(17,263	)	$	1,593		NM

NM Not meaningful

Reclassified to conform to the current period’s presentation.

5

CITIGROUP — NET REVENUES
SEGMENT VIEW
(In millions of dollars)

															1Q09 vs.
	1Q			2Q			3Q			4Q			1Q		1Q08 Increase/
	2008			2008			2008			2008			2009		(Decrease)
Global Cards:
North America	$	3,343		$	2,928		$	1,388		$	2,640		$	2,775	(17	)%
EMEA	585			611			593			537			492		(16	)%
Latin America	1,776			1,229			1,143			869			1,950		10	%
Asia	675			659			665			566			548		(19	)%
Total Global Cards	6,379			5,427			3,789			4,612			5,765		(10	)%
Consumer Banking:
North America	4,485			4,124			4,414			3,604			3,955		(12	)%
EMEA	700			762			622			512			506		(28	)%
Latin America	1,048			1,038			1,015			858			818		(22	)%
Asia	1,558			1,431			1,378			1,103			1,123		(28	)%
Total Consumer Banking	7,791			7,355			7,429			6,077			6,402		(18	)%
Institutional Clients Group (ICG):
North America	(7,824		)	(1,748		)	(2,165		)	(10,740		)	2,095		NM
EMEA	133			1,740			1,913			1,806			4,597		NM
Latin America	1,012			1,075			828			897			1,129		12	%
Asia	1,721			1,872			1,817			(154		)	1,686		(2	)%
Total Institutional Clients Group (ICG)	(4,958		)	2,939			2,393			(8,191		)	9,507		NM
Global Wealth Management:
North America	2,376			2,427			2,317			2,175			1,981		(17	)%
EMEA	170			153			147			134			126		(26	)%
Latin America	100			102			92			63			60		(40	)%
Asia	633			633			608			471			452		(29	)%
Total Global Wealth Management	3,279			3,315			3,164			2,843			2,619		(20	)%
Corporate / Other	(50		)	(959		)	(95		)	254			496		NM
Total Net Revenues	$	12,441		$	18,077		$	16,680		$	5,595		$	24,789	99	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

6

CITIGROUP — NET REVENUES
REGIONAL VIEW
(In millions of dollars)

															1Q09 vs.
	1Q			2Q			3Q			4Q			1Q		1Q08 Increase/
	2008			2008			2008			2008			2009		(Decrease)
North America
Global Cards	$	3,343		$	2,928		$	1,388		$	2,640		$	2,775	(17	)%
Consumer Banking	4,485			4,124			4,414			3,604			3,955		(12	)%
Institutional Clients Group	(7,824		)	(1,748		)	(2,165		)	(10,740		)	2,095		NM
Securities & Banking	(8,317		)	(2,244		)	(2,693		)	(11,331		)	1,512		NM
Transaction Services	493			496			528			591			583		18	%
Global Wealth Management	2,376			2,427			2,317			2,175			1,981		(17	)%
Total North America	2,380			7,731			5,954			(2,321		)	10,806		NM
EMEA
Global Cards	585			611			593			537			492		(16	)%
Consumer Banking	700			762			622			512			506		(28	)%
Institutional Clients Group	133			1,740			1,913			1,806			4,597		NM
Securities & Banking	(680		)	871			1,043			988			3,810		NM
Transaction Services	813			869			870			818			787		(3	)%
Global Wealth Management	170			153			147			134			126		(26	)%
Total EMEA	1,588			3,266			3,275			2,989			5,721		NM
Latin America
Global Cards	1,776			1,229			1,143			869			1,950		10	%
Consumer Banking	1,048			1,038			1,015			858			818		(22	)%
Institutional Clients Group	1,012			1,075			828			897			1,129		12	%
Securities & Banking	680			707			463			561			794		17	%
Transaction Services	332			368			365			336			335		1	%
Global Wealth Management	100			102			92			63			60		(40	)%
Total Latin America	3,936			3,444			3,078			2,687			3,957		1	%
Asia
Global Cards	675			659			665			566			548		(19	)%
Consumer Banking	1,558			1,431			1,378			1,103			1,123		(28	)%
Institutional Clients Group	1,721			1,872			1,817			(154		)	1,686		(2	)%
Securities & Banking	1,012			1,205			1,106			(808		)	1,069		6	%
Transaction Services	709			667			711			654			617		(13	)%
Global Wealth Management	633			633			608			471			452		(29	)%
Total Asia	4,587			4,595			4,468			1,986			3,809		(17	)%
Corporate / Other	(50		)	(959		)	(95		)	254			496		NM
Total Net Revenues	$	12,441		$	18,077		$	16,680		$	5,595		$	24,789	99	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

7

GLOBAL CARDS Page 1 (In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
Net Interest Revenue	$	2,706		$	2,998		$	2,884		$	2,679		$	2,672		(1	)%
Non-Interest Revenue	3,673			2,429			905			1,933			3,093			(16	)%
Total Revenues, Net of Interest Expense (1)	6,379			5,427			3,789			4,612			5,765			(10	)%
Total Operating Expenses	2,595			2,710			2,595			2,656			2,196			(15	)%
Net Credit Losses	1,248			1,412			1,588			1,670			1,943			56	%
Credit Reserve Build / (Release)	623			583			1,069			1,275			1,108			78	%
Provision for Benefits & Claims	20			24			15			29			42			NM
Provision for Loan Losses and for Benefits and Claims	1,891			2,019			2,672			2,974			3,093			64	%
Income Before Taxes and Minority Interest	1,893			698			(1,478		)	(1,018		)	476			(75	)%
Income Taxes	664			242			(579		)	(411		)	58			(91	)%
Minority Interest	3			4			3			3			1			(67	)%
Net Income (Loss)	$	1,226		$	452		$	(902	)	$	(610	)	$	417		(66	)%
Average Assets (in billions of dollars)	$	123		$	123		$	119		$	111		$	107		(13	)%
Return on Assets	4.01		%	1.48		%	(3.02		)%	(2.19		)%	1.58		%
Net Credit Loss Ratio	5.39		%	6.18		%	7.02		%	7.75		%	9.49		%
Average Risk Capital	$	14,762		$	15,233		$	14,520		$	13,976		$	16,948		15	%
Return on Risk Capital	33		%	12		%	(25		)%	(17		)%	10		%
Return on Invested Capital	18		%	7		%	(13		)%	(9		)%	6		%
KEY INDICATORS
EOP Open Accounts (in millions)
North America	148.6			146.9			145.3			138.2			133.7			(10	)%
EMEA	8.8			8.9			9.1			9.0			8.7			(1	)%
Latin America	12.9			12.9			12.9			12.7			12.7			(2	)%
Asia	15.7			15.7			15.4			15.6			15.4			(2	)%
Total	186.0			184.4			182.7			175.5			170.5			(8	)%
Purchase Sales (in billions of dollars)
North America	$	76.9		$	83.8		$	80.3		$	75.7		$	63.4		(18	)%
EMEA	7.0			7.5			7.5			6.2			5.1			(27	)%
Latin America	8.2			8.8			8.4			7.1			5.9			(28	)%
Asia	14.7			15.3			14.9			13.7			11.8			(20	)%
Total	$	106.8		$	115.4		$	111.1		$	102.7		$	86.2		(19	)%
Average Managed Loans (2):
North America (managed basis)	$	152.7		$	151.2		$	150.6		$	149.3		$	145.9		(4	)%
EMEA	15.7			16.5			16.2			14.1			13.3			(15	)%
Latin America	14.1			14.7			14.6			11.8			10.9			(23	)%
Asia	17.1			17.6			17.3			16.1			15.5			(9	)%
Total	$	199.6		$	200.0		$	198.7		$	191.3		$	185.6		(7	)%

(1)

The 2008 first quarter, 2008 second quarter, 2008 third quarter and 2009 first quarter include releases of $58 million, $21 million, $23 million and $213 million, respectively, from the allowance for credit losses related to loan receivables that were either securitized or transferred to loans held-for-sale during the quarter.

(2)

Managed basis is applicable only in North America, as securitizations are not done in any other region. Managed basis presentation includes results from both the on-balance sheet loans and off- balance sheet loans, and excludes the impact of card securitization activity. Managed disclosures assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as the Company’s owned loans.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

8

GLOBAL CARDS Page 2 (In millions of dollars)

	1Q		2Q		3Q		4Q		1Q
	2008		2008		2008		2008		2009
KEY INDICATORS (continued) (1)
Managed Average Yield
North America (managed basis)	13.41	%	13.24	%	13.64	%	13.82	%	15.03	%
EMEA	15.65	%	15.38	%	15.50	%	15.81	%	16.09	%
Latin America	28.44	%	30.36	%	29.03	%	27.25	%	26.01	%
Asia	13.82	%	13.79	%	13.63	%	13.55	%	13.73	%
Global Total	14.69	%	14.72	%	14.92	%	14.77	%	15.64	%
Managed Net Interest Revenue as a % of Average Managed Loans
North America (managed basis)	10.09	%	10.56	%	11.03	%	11.04	%	12.61	%
EMEA	12.20	%	12.18	%	12.25	%	12.33	%	12.70	%
Latin America	22.93	%	25.51	%	22.93	%	20.86	%	20.57	%
Asia	10.04	%	9.85	%	9.70	%	9.94	%	10.39	%
Global Total	11.16	%	11.73	%	11.89	%	11.65	%	12.90	%
Coincident Managed Net Credit Loss Ratio
North America (managed basis)	5.81	%	6.53	%	7.13	%	8.04	%	10.18	%
EMEA	3.56	%	3.94	%	4.41	%	5.17	%	7.14	%
Latin America	10.25	%	11.41	%	13.16	%	14.18	%	15.65	%
Asia	3.17	%	3.37	%	3.63	%	4.02	%	4.62	%
Global Total	5.72	%	6.40	%	7.05	%	7.87	%	9.82	%
Managed Net Credit Margin as a % of Average Managed Loans
North America (managed basis)	7.14	%	6.52	%	5.90	%	5.32	%	4.24	%
EMEA	11.39	%	10.96	%	10.16	%	10.02	%	7.90	%
Latin America	40.43	%	22.23	%	17.92	%	15.01	%	56.96	%
Asia	12.69	%	11.73	%	11.65	%	10.00	%	9.71	%
Global Total	10.30	%	8.50	%	7.63	%	6.66	%	8.05	%
Managed Loans 90+ Days Past Due as a % of EOP Managed Loans
North America (managed basis)	1.96	%	2.02	%	2.11	%	2.62	%	3.09	%
EMEA	1.62	%	1.81	%	2.08	%	2.60	%	3.55	%
Latin America	3.75	%	4.16	%	4.36	%	4.86	%	5.11	%
Asia	1.49	%	1.53	%	1.57	%	1.57	%	2.04	%
Global Total	2.02	%	2.12	%	2.22	%	2.66	%	3.16	%

(1)	Managed basis is applicable only in North America, as securitizations are not done in any other region.
	Managed basis presentation includes results from both the on-balance sheet loans and off- balance sheet loans, and excludes the impact of card securitization activity.
	Managed disclosures assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as the Company’s owned loans.

Reclassified to conform to the current period’s presentation.

9

GLOBAL CARDS Page 3 North America (In millions of dollars)
																		1Q09 vs.
			1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
			2008			2008			2008			2008			2009			(Decrease)
SUPPLEMENTAL DISCLOSURE - MANAGED BASIS (1)
Managed Revenues: (in millions of dollars)
Total GAAP Revenues			$	3,343		$	2,928		$	1,388		$	2,640		$	2,775		(17	)%
Net Impact of Credit Card Securitization Activity (2)			1,610			2,016			3,579			2,426			2,452			52	%
Total Managed Revenues			$	4,953		$	4,944		$	4,967		$	5,066		$	5,227		6	%
Return on Managed Assets			1.32		%	0.44		%	(2.13		)%	(0.92		)%	(0.55		)%
Average Managed Loans	Securitized		$	105.8		$	107.4		$	108.8		$	105.6		$	102.6		(3	)%
(in billions of dollars)	Held for Sale		1.0			1.0			—			—			—			(100	)%
	On Balance Sheet		45.9			42.8			41.8			43.7			43.3			(6	)%
	Total		$	152.7		$	151.2		$	150.6		$	149.3		$	145.9		(4	)%
	Citi Branded		$	96.8		$	96.6		$	95.6		$	94.4		$	92.3		(5	)%
	Retail Partners		55.9			54.6			55.0			54.9			53.6			(4	)%
	Total		$	152.7		$	151.2		$	150.6		$	149.3		$	145.9		(4	)%
EOP Managed Loans	Citi Branded		$	96.3		$	96.0		$	96.0		$	95.1		$	90.6		(6	)%
	Retail Partners		54.4			55.2			55.1			56.0			51.5			(5	)%
	Total		$	150.7		$	151.2		$	151.1		$	151.1		$	142.1		(6	)%
Managed Average Yield (3)	Citi Branded		11.46		%	11.19		%	11.68		%	11.99		%	13.19		%
	Retail Partners		16.77		%	16.87		%	17.04		%	16.96		%	18.21		%
	Total		13.41		%	13.24		%	13.64		%	13.82		%	15.03		%
Managed Net Interest Revenue	Citi Branded		$	1,894		$	1,998		$	2,116		$	2,143		$	2,513		33	%
(in millions of dollars) (4)	Retail Partners		1,935			1,971			2,058			2,002			2,025			5	%
	Total		$	3,829		$	3,969		$	4,174		$	4,145		$	4,538		19	%
Managed Net Interest Revenue as	Citi Branded		7.87		%	8.32		%	8.81		%	9.03		%	11.04		%
a % of Average Managed Loans	Retail Partners		13.92		%	14.52		%	14.89		%	14.51		%	15.32		%
	Total		10.09		%	10.56		%	11.03		%	11.04		%	12.61		%
Managed Net Credit Margin	Citi Branded		$	1,658		$	1,459		$	1,295		$	1,179		$	1,039		(37	)%
(in millions of dollars) (5)	Retail Partners		1,053			993			938			819			485			(54	)%
	Total		$	2,711		$	2,452		$	2,233		$	1,998		$	1,524		(44	)%
Managed Net Credit Margin as	Citi Branded		6.89		%	6.07		%	5.39		%	4.97		%	4.57		%
a % of Average Managed Loans	Retail Partners		7.58		%	7.31		%	6.78		%	5.93		%	3.67		%
	Total		7.14		%	6.52		%	5.90		%	5.32		%	4.24		%
Managed Net Credit Losses	Citi Branded		$	1,187		$	1,375		$	1,473		$	1,657		$	2,022		70	%
	Retail Partners		1,018			1,078			1,228			1,361			1,639			61	%
	Total		$	2,205		$	2,453		$	2,701		$	3,018		$	3,661		66	%
Coincident Managed Net	Citi Branded		4.93		%	5.72		%	6.13		%	6.98		%	8.88		%
Credit Loss Ratio:	Retail Partners		7.32		%	7.94		%	8.88		%	9.86		%	12.40		%
	Total		5.81		%	6.53		%	7.13		%	8.04		%	10.18		%
Managed Loans 90+Days Past Due	Citi Branded		$	1,616		$	1,674		$	1,728		$	2,129		$	2,456		52	%
	Retail Partners		1,337			1,376			1,466			1,824			1,940			45	%
	Total		$	2,953		$	3,050		$	3,194		$	3,953		$	4,396		49	%
% of EOP Managed Loans	Citi Branded		1.68		%	1.74		%	1.80		%	2.24		%	2.71		%
	Retail Partners		2.46		%	2.49		%	2.66		%	3.26		%	3.77		%
	Total		1.96		%	2.02		%	2.11		%	2.62		%	3.09		%

(1)Managed basis is applicable only in North America, as securitizations are not done in any other region.

Managed basis presentation includes results from both the on-balance sheet loans and off- balance sheet loans, and excludes the impact of card securitization activity.

Managed disclosures assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as the Company’s owned loans.

(2)Net impact of Securitization Activity includes the removal of securitization-related items that are part of GAAP revenues such as the gain on sale of credit card loans, mark-to-market revenue for interests retained in securitized assets classified as Trading, and net credit losses on loans that are considered sold for GAAP purposes.

(3)     Gross interest revenue earned divided by average managed loans.

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

(5)     Total Revenues, net of Interest Expense,  less Net Credit Losses and Policy Benefits and Claims.

Reclassified to conform to the current period’s presentation.

10

CONSUMER BANKING Page 1 (In millions of dollars)
																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
CONSUMER BANKING
Net Interest Revenue	$	5,651		$	5,779		$	5,709		$	4,793		$	4,845		(14	)%
Non-Interest Revenue	2,140			1,576			1,720			1,284			1,557			(27	)%
Total Revenues, Net of Interest Expense	7,791			7,355			7,429			6,077			6,402			(18	)%
Total Operating Expenses	4,309			4,442			4,188			13,714			3,536			(18	)%
Net Credit Losses	2,279			2,552			3,005			3,442			3,786			66	%
Credit Reserve Build / (Release)	1,161			1,672			2,128			2,274			1,178			1	%
Provision for Benefits & Claims	203			191			200			515			249			23	%
Provision for Loan Losses and for Benefits and Claims	3,643			4,415			5,333			6,231			5,213			43	%
Income Before Taxes and Minority Interest	(161		)	(1,502		)	(2,092		)	(13,868		)	(2,347		)	NM
Income Taxes	(215		)	(683		)	(996		)	(3,460		)	(1,126		)	NM
Minority Interest, Net of Tax	2			9			3			(3		)	5			NM
Net Income (Loss)	$	52		$	(828	)	$	(1,099	)	$	(10,405	)	$	(1,226	)	NM
Average Assets (in billions of dollars)	$	568		$	570		$	542		$	507		$	477		(16	)%
Return on Assets	0.04		%	(0.58		)%	(0.81		)%	(8.16		)%	(1.04		)%
Average Risk Capital	$	27,272		$	29,978		$	30,965		$	31,064		$	35,213		29	%
Return on Risk Capital	1		%	(11		)%	(14		)%	(133		)%	(14		)%
Return on Invested Capital	0		%	(6		)%	(8		)%	(88		)%	(11		)%
CONSUMER FINANCE JAPAN
Net Interest Revenue	$	264		$	173		$	224		$	65		$	162		(39	)%
Non-Interest Revenue	13			3			1			2			3			(77	)%
Total Revenues, Net of Interest Expense	277			176			225			67			165			(40	)%
Total Operating Expenses	95			101			84			91			59			(38	)%
Net Credit Losses	317			314			295			305			316			0	%
Credit Reserve Build / (Release)	—			—			91			13			(52		)	—
Provision for Benefits & Claims	—			—			1			—			—			—
Provision for Loan Losses and for Benefits and Claims	317			314			387			318			264			(17	)%
Income Before Taxes and Minority Interest	(135		)	(239		)	(246		)	(342		)	(158		)	(17	)%
Income Taxes	(49		)	(85		)	(87		)	(887		)	(122		)	NM
Minority Interest, Net of Tax	—			—			—			—			—			—
Net Income	$	(86	)	$	(154	)	$	(159	)	$	545		$	(36	)	58	%
Average Assets (in billions of dollars)	$	9		$	8		$	8		$	8		$	8		(11	)%
Return on Assets	(3.84		)%	(7.74		)%	(7.91		)%	27.10		%	(1.83		)%
CONSUMER BANKING EXCLUDING CONSUMER FINANCE JAPAN
Net Interest Revenue	$	5,387		$	5,606		$	5,485		$	4,728		$	4,683		(13	)%
Non-Interest Revenue	2,127			1,573			1,719			1,282			1,554			(27	)%
Total Revenues, Net of Interest Expense	7,514			7,179			7,204			6,010			6,237			(17	)%
Total Operating Expenses	4,214			4,341			4,104			13,623			3,477			(17	)%
Net Credit Losses	1,962			2,238			2,710			3,137			3,470			77	%
Credit Reserve Build / (Release)	1,161			1,672			2,037			2,261			1,230			6	%
Provision for Benefits & Claims	203			191			199			515			249			23	%
Provision for Loan Losses and for Benefits and Claims	3,326			4,101			4,946			5,913			4,949			49	%
Income Before Taxes and Minority Interest	(26		)	(1,263		)	(1,846		)	(13,526		)	(2,189		)	NM
Income Taxes	(166		)	(598		)	(909		)	(2,573		)	(1,004		)	NM
Minority Interest, Net of Tax	2			9			3			(3		)	5			NM
Net Income	$	138		$	(674	)	$	(940	)	$	(10,950	)	$	(1,190	)	NM
Average Assets (in billions of dollars)	$	559		$	562		$	534		$	499		$	469		(16	)%
Return on Assets	0.10		%	(0.48		)%	(0.70		)%	(8.73		)%	(1.03		)%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

11

CONSUMER BANKING Page 2 (In millions of dollars)

											1Q09 vs.
	1Q		2Q		3Q		4Q		1Q		1Q08 Increase/
	2008		2008		2008		2008		2009		(Decrease)
KEY INDICATORS
Branches
Citibank	4,105		4,084		4,057		4,023		3,949		(4	)%
CitiFinancial (excluding Consumer Finance Japan)	4,014		3,904		3,799		3,703		3,357		(16	)%
	8,119		7,988		7,856		7,726		7,306		(10	)%
Consumer Finance Japan	41		36		19		4		4		(90	)%
Total	8,160		8,024		7,875		7,730		7,310		(10	)%
North America	3,568		3,556		3,459		3,362		3,341		(6	)%
EMEA	813		750		759		749		701		(14	)%
Latin America	2,634		2,635		2,588		2,561		2,442		(7	)%
Asia (excluding CF Japan)	1,104		1,047		1,050		1,054		822		(26	)%
	8,119		7,988		7,856		7,726		7,306		(10	)%
Consumer Finance Japan	41		36		19		4		4		(90	)%
Total	8,160		8,024		7,875		7,730		7,310		(10	)%
Accounts (in millions)
North America	32.7		32.4		32.6		32.4		32.1		(2	)%
EMEA	8.0		8.1		8.2		8.2		8.1		1	%
Latin America	18.2		18.8		18.7		18.3		17.8		(2	)%
Asia (excluding CF Japan)	20.1		20.1		19.5		18.7		18.1		(10	)%
	79.0		79.4		79.0		77.6		76.1		(4	)%
Consumer Finance Japan	1.1		1.1		1.0		0.9		0.9		(18	)%
Total	80.1		80.5		80.0		78.5		77.0		(4	)%
Average Deposits (in billions of dollars)
North America	$	122.7	$	121.8	$	120.8	$	125.6	$	128.0	4	%
EMEA	36.0		35.5		32.6		25.3		23.3		(35	)%
Latin America	41.4		41.3		40.9		35.1		33.5		(19	)%
Asia	97.7		96.8		92.5		84.7		82.9		(15	)%
Total	$	297.8	$	295.4	$	286.8	$	270.7	$	267.7	(10	)%
Investment Sales (in billions of dollars)
North America	$	1.5	$	1.3	$	1.2	$	0.9	$	0.8	(47	)%
EMEA	2.2		1.6		1.3		0.6		0.8		(64	)%
Latin America	14.6		15.4		16.2		13.4		11.5		(21	)%
Asia	10.0		9.5		6.1		2.8		3.4		(66	)%
Total	$	28.3	$	27.8	$	24.8	$	17.7	$	16.5	(42	)%
Investment AUMs (in billions of dollars)
North America	$	34.4	$	34.4	$	30.7	$	24.6	$	22.5	(35	)%
EMEA	15.5		13.7		11.5		8.8		7.9		(49	)%
Latin America	34.5		37.4		32.9		25.0		22.9		(34	)%
Asia	54.3		53.1		44.9		35.8		33.0		(39	)%
Total	$	138.7	$	138.6	$	120.0	$	94.2	$	86.3	(38	)%

Reclassified to conform to the current period’s presentation.

12

CONSUMER BANKING Page 3 (In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
KEY INDICATORS (Continued):
Average Loans (in billions of dollars)
North America	$	307.2		$	305.1		$	291.7		$	288.6		$	283.3		(8	)%
EMEA	25.1			26.1			25.3			21.6			19.9			(21	)%
Latin America	14.6			15.6			16.0			14.2			13.6			(7	)%
Asia (excluding CF Japan)	51.9			51.6			49.9			43.4			41.8			(19	)%
	398.8			398.4			382.9			367.8			358.6			(10	)%
Consumer Finance Japan	8.9			8.4			7.8			8.3			7.6			(15	)%
Total	$	407.7		$	406.8		$	390.7		$	376.1		$	366.2		(10	)%
EOP Loans (in billions of dollars)
North America	$	306.1		$	291.9		$	291.1		$	284.4		$	278.8		(9	)%
EMEA	25.8			26.7			24.3			21.6			19.9			(23	)%
Latin America	14.6			15.8			15.5			14.0			13.9			(5	)%
Asia (excluding CF Japan)	52.1			51.8			47.6			44.4			42.0			(19	)%
	398.6			386.2			378.5			364.4			354.6			(11	)%
Consumer Finance Japan	9.1			8.2			7.7			8.3			7.0			(23	)%
Total	$	407.7		$	394.4		$	386.2		$	372.7		$	361.6		(11	)%
Net Interest Revenue as a % of Average Loans
North America	3.41		%	3.64		%	3.53		%	2.91		%	3.32		%
EMEA	6.70		%	6.59		%	6.11		%	5.86		%	5.61		%
Latin America	9.76		%	8.76		%	8.57		%	8.00		%	7.89		%
Asia (excluding CF Japan)	3.21		%	3.24		%	3.20		%	3.30		%	3.37		%
	3.82		%	3.99		%	3.87		%	3.33		%	3.62		%
Consumer Finance Japan	10.56		%	8.21		%	11.26		%	2.77		%	5.77		%
Total	3.97		%	4.07		%	4.08		%	3.32		%	3.67		%
Net Credit Losses as a % of Average Loans
North America	2.02		%	2.33		%	2.95		%	3.62		%	4.15		%
EMEA	2.55		%	2.59		%	2.95		%	3.75		%	5.11		%
Latin America	3.78		%	4.08		%	4.53		%	4.04		%	4.10		%
Asia (excluding CF Japan)	0.98		%	1.16		%	1.38		%	1.48		%	1.79		%
	1.98		%	2.26		%	2.82		%	3.39		%	3.92		%
Consumer Finance Japan	14.33		%	15.03		%	15.05		%	14.62		%	16.86		%
Total	2.25		%	2.52		%	3.06		%	3.64		%	4.19		%
Loans 90+ Days Past Due as a % of EOP Loans
North America	2.38		%	2.76		%	3.28		%	3.96		%	4.85		%
EMEA	1.46		%	1.66		%	1.97		%	2.54		%	3.47		%
Latin America	3.98		%	3.54		%	3.43		%	3.01		%	3.33		%
Asia (excluding CF Japan)	0.57		%	0.63		%	0.61		%	0.69		%	0.86		%
	2.14		%	2.43		%	2.86		%	3.44		%	4.24		%
Consumer Finance Japan	2.35		%	2.44		%	2.51		%	2.61		%	3.01		%
Total	2.15		%	2.43		%	2.86		%	3.42		%	4.21		%

Reclassified to conform to the current period’s presentation.

13

CONSUMER BANKING Page 4 North America (In billions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
KEY INDICATORS (Continued):
RESIDENTIAL REAL ESTATE LENDING
Average Loans	$	219.9		$	215.3		$	205.2		$	200.5		$	196.7		(11	)%
EOP Loans	$	217.6		$	207.0		$	202.0		$	197.4		$	193.3		(11	)%
Originations (1)	$	37.2		$	28.5		$	22.0		$	16.6		$	22.4		(40	)%
Third Party Mortgage Servicing Portfolio (EOP)	$	645.7		$	648.5		$	646.5		$	646.6		$	590.5		(9	)%
Net Servicing & Gain/(Loss) on Sale - (in millions of dollars)	$	192.4		$	(374.0	)	$	30.3		$	14.6		$	210.8		10	%
Net Interest Revenue (in millions of dollars)	$	1,311		$	1,365		$	1,280		$	860		$	1,089		(17	)%
% of Avg. Loans	2.40		%	2.55		%	2.48		%	1.71		%	2.25		%
Net Credit Losses (in millions of dollars)	$	887		$	1,092		$	1,405		$	1,671		$	1,930		NM
% of Avg. Loans	1.62		%	2.04		%	2.72		%	3.32		%	3.98		%
Loans 90+ Days Past Due (in millions of dollars)	$	5,654		$	6,460		$	7,778		$	9,341		$	11,489		NM
% of EOP Loans	2.60		%	3.12		%	3.85		%	4.73		%	5.94		%
AUTO LOANS
Average Loans	$	21.2		$	21.0		$	20.1		$	19.2		$	18.0		(15	)%
EOP Loans	$	21.4		$	20.4		$	19.7		$	18.6		$	17.3		(19	)%
Originations	$	2.5		$	0.8		$	1.0		$	0.5		$	0.3		(88	)%
Net Interest Revenue (in millions of dollars)	$	387		$	387		$	368		$	347		$	329		(15	)%
% of Avg. Loans	7.34		%	7.41		%	7.28		%	7.19		%	7.41		%
Net Credit Losses (in millions of dollars)	$	228		$	196		$	259		$	359		$	301		32	%
% of Avg. Loans	4.33		%	3.75		%	5.13		%	7.44		%	6.78		%
Loans 90+ Days Past Due (in millions of dollars)	$	215		$	265		$	350		$	345		$	256		19	%
% of EOP Loans	1.00		%	1.30		%	1.78		%	1.85		%	1.48		%
STUDENT LOANS
Average Loans	$	24.0		$	24.9		$	23.0		$	25.7		$	26.5		10	%
EOP Loans	$	24.5		$	21.4		$	25.7		$	25.6		$	26.7		9	%
Originations	$	3.1		$	1.0		$	2.8		$	1.3		$	2.9		(6	)%
Net Interest Revenue (in millions of dollars)	$	80		$	115		$	78		$	33		$	91		14	%
% of Avg. Loans	1.34		%	1.86		%	1.35		%	0.51		%	1.39		%
Net Credit Losses (in millions of dollars)	$	13		$	16		$	18		$	23		$	20		58	%
% of Avg. Loans	0.21		%	0.26		%	0.31		%	0.36		%	0.31		%
Loans 90+ Days Past Due (in millions of dollars)	$	796		$	699		$	662		$	703		$	829		4	%
% of EOP Loans	3.25		%	3.27		%	2.58		%	2.75		%	3.10		%
PERSONAL LOANS & OTHER
Average Loans	$	20.4		$	20.9		$	21.5		$	21.2		$	20.3		0	%
EOP Loans	$	20.4		$	21.3		$	21.8		$	21.0		$	19.8		(3	)%
Net Interest Revenue - Loans (in millions of dollars)	$	807		$	831		$	849		$	802		$	720		(11	)%
Net Interest Revenue - Other (in millions of dollars)	592			712			785			799			718			21	%
Net Interest Revenue - Total (in millions of dollars)	$	1,399		$	1,543		$	1,634		$	1,601		$	1,438		3	%
% of Avg. Loans	15.91		%	15.99		%	15.71		%	15.05		%	14.38		%
Net Credit Losses (in millions of dollars)	$	398		$	444		$	451		$	528		$	591		48	%
% of Avg. Loans	7.85		%	8.54		%	8.35		%	9.91		%	11.81		%
Loans 90+ Days Past Due (in millions of dollars)	$	523		$	523		$	603		$	705		$	699		34	%
% of EOP Loans	2.56		%	2.46		%	2.77		%	3.36		%	3.53		%
COMMERCIAL LOANS
Average Loans	$	21.7		$	23.0		$	21.9		$	22.0		$	21.8		0	%
EOP Loans	$	22.2		$	21.8		$	21.9		$	21.8		$	21.7		(2	)%
Net Interest Revenue (in millions of dollars)	$	101		$	112		$	79		$	73		$	87		(14	)%
% of Avg. Loans	1.87		%	1.96		%	1.44		%	1.32		%	1.62		%
Net Credit Losses (in millions of dollars)	$	13		$	16		$	33		$	47		$	56		NM
% of Avg. Loans	0.24		%	0.28		%	0.60		%	0.85		%	1.04		%
Loans 90+ Days Past Due (in millions of dollars)	$	101		$	123		$	147		$	177		$	235		NM
% of EOP Loans	0.46		%	0.56		%	0.67		%	0.81		%	1.08		%

(1) Excludes CitiFinancial, which are debt Consolidation Loans secured by Real Estate.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

14

INSTITUTIONAL CLIENTS GROUP (In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
Commissions and Fees	$	841		$	812		$	769		$	548		$	510		(39	)%
Administration and Other Fiduciary Fees	1,395			1,442			1,548			1,302			1,267			(9	)%
Investment Banking	(2,425		)	746			(219		)	(796		)	1,003			NM
Principal Transactions	(8,223		)	(4,522		)	(2,489		)	(10,246		)	2,800			NM
Other	(849		)	(362		)	(1,666		)	(4,582		)	(1,421		)	(67	)%
Total Non-Interest Revenue	(9,261		)	(1,884		)	(2,057		)	(13,774		)	4,159			NM
Net Interest Revenue (including Dividends)	4,303			4,823			4,450			5,583			5,348			24	%
Total Revenues, Net of Interest Expense	(4,958		)	2,939			2,393			(8,191		)	9,507			NM
Total Operating Expenses	5,970			5,858			5,202			5,821			3,965			(34	)%
Net Credit Losses	101			357			326			989			1,535			NM
Provision for Unfunded Lending Commitments	—			(143		)	(150		)	(70		)	60			—
Credit Reserve Build / (Release)	144			367			762			2,345			253			76	%
Provision for Benefits & Claims	52			45			59			50			41			(21	)%
Provision for Loan Losses and for Benefits and Claims	297			626			997			3,314			1,889			NM
Income (Loss) Before Taxes and Minority Interest	(11,225		)	(3,545		)	(3,806		)	(17,326		)	3,653			NM
Income Taxes (Benefits)	(4,832		)	(1,562		)	(1,690		)	(7,321		)	841			NM
Minority Interest, Net of Tax	(36		)	61			(99		)	(306		)	(21		)	42	%
Net Income (Loss)	$	(6,357	)	$	(2,044	)	$	(2,017	)	$	(9,699	)	$	2,833		NM
Average Assets (in billions of dollars)	$	1,440		$	1,355		$	1,203		$	1,174		$	1,062		(26	)%
Average Risk Capital	$	54,862		$	54,053		$	49,424		$	46,105		$	48,177		(12	)%
Return on Risk Capital	(47		)%	(15		)%	(16		)%	(84		)%	24		%
Return on Invested Capital	(36		)%	(11		)%	(12		)%	(63		)%	18		%
Revenues by Product:
Securities and Banking	$	(7,305	)	$	539		$	(81	)	$	(10,590	)	$	7,185		NM
Transactions Services	2,347			2,400			2,474			2,399			2,322			(1	)%
Total	$	(4,958	)	$	2,939		$	2,393		$	(8,191	)	$	9,507		NM
Net Income by Product:
Securities and Banking	$	(7,089	)	$	(2,745	)	$	(2,834	)	$	(10,420	)	$	1,990		NM
Transactions Services	732			701			817			721			843			15	%
Total	$	(6,357	)	$	(2,044	)	$	(2,017	)	$	(9,699	)	$	2,833		NM

NM Not meaningful

Reclassified to conform to the current period’s presentation.

15

INSTITUTIONAL CLIENTS GROUP
SECURITIES AND BANKING
(In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
Net Interest Revenue	$	3,102		$	3,612		$	3,142		$	4,236		$	4,010		29	%
Non-Interest Revenue	(10,407		)	(3,073		)	(3,223		)	(14,826		)	3,175			NM
Total Revenues, Net of Interest Expense	(7,305		)	539			(81		)	(10,590		)	7,185			NM
Total Operating Expenses	4,671			4,486			3,914			4,478			2,860			(39	)%
Net Credit Losses	101			348			318			944			1,523			NM
Provision for Unfunded Lending Commitments	—			(143		)	(144		)	(70		)	60			—
Credit Reserve Build / (Release)	142			358			761			2,308			246			73	%
Provision for Benefits & Claims	52			45			59			50			41			(21	)%
Provision for Loan Losses and for Benefits and Claims	295			608			994			3,232			1,870			NM
Income (Loss) Before Taxes and Minority Interest	(12,271		)	(4,555		)	(4,989		)	(18,300		)	2,455			NM
Income Taxes (Benefits)	(5,138		)	(1,862		)	(2,047		)	(7,569		)	482			NM
Minority Interest, Net of Tax	(44		)	52			(108		)	(311		)	(17		)	61	%
Net Income (Loss)	$	(7,089	)	$	(2,745	)	$	(2,834	)	$	(10,420	)	$	1,990		NM
Average Assets (in billions of dollars)	$	1,363		$	1,276		$	1,124		$	1,100		$	998		(27	)%
Average Risk Capital	$	52,617		$	51,944		$	47,551		$	44,293		$	46,144		(12	)%
Return on Risk Capital	(54		)%	(21		)%	(24		)%	(94		)%	17		%
Return on Invested Capital	(43		)%	(16		)%	(18		)%	(70		)%	13		%
Revenue Details:
Investment Banking:
Advisory and Other Fees	$	307		$	386		$	315		$	236		$	230		(25	)%
Equity Underwriting	229			518			65			26			194			(15	)%
Debt Underwriting	(2,082		)	(277		)	(173		)	56			847			NM
Gross Investment Banking	(1,546		)	627			207			318			1,271			NM
Revenue Allocated to the Global Wealth Management Segment:
Equity Underwriting	(54		)	(86		)	(36		)	(17		)	(30		)	44	%
Debt Underwriting	(67		)	(88		)	(29		)	(26		)	(22		)	67	%
Net Investment Banking	(1,667		)	453			142			275			1,219			NM
Lending	584			95			1,346			2,089			(364		)	NM
Equity Markets	979			1,398			476			(650		)	1,903			94	%
Fixed Income Markets	(7,023		)	(633		)	(2,412		)	(13,383		)	4,688			NM
Other Securities and Banking	(178		)	(774		)	367			1,079			(261		)	(47	)%
Total Securities and Banking Revenues	(7,305		)	539			(81		)	(10,590		)	7,185			NM

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

16

INSTITUTIONAL CLIENTS GROUP TRANSACTION SERVICES (In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
Net Interest Revenue	$	1,201		$	1,211		$	1,308		$	1,347		$	1,338		11	%
Non-Interest Revenue	1,146			1,189			1,166			1,052			984			(14	)%
Total Revenues, Net of Interest Expense	2,347			2,400			2,474			2,399			2,322			(1	)%
Total Operating Expenses	1,299			1,372			1,288			1,343			1,105			(15	)%
Net Credit Losses	—			9			8			45			12			—
Provision for Unfunded Lending Commitments	—			—			(6		)	—						—
Credit Reserve Build / (Release)	2			9			1			37			7			NM
Provision for Benefits & Claims	—			—			—			—			—			—
Provision for Loan Losses and for Benefits and Claims	2			18			3			82			19			NM
Income Before Taxes and Minority Interest	1,046			1,010			1,183			974			1,198			15	%
Income Taxes	306			300			357			248			359			17	%
Minority Interest, Net of Tax	8			9			9			5			(4		)	NM
Net Income	$	732		$	701		$	817		$	721		$	843		15	%
Average Assets (in billions of dollars)	$	77		$	79		$	79		$	74		$	64		(17	)%
Average Risk Capital	$	2,245		$	2,109		$	1,873		$	1,812		$	2,033		(9	)%
Return on Risk Capital	131		%	134		%	174		%	158		%	168		%
Return on Invested Capital	66		%	63		%	79		%	73		%	87		%
Revenue Details:
Treasury and Trade Solutions	$	1,519		$	1,581		$	1,667		$	1,706		$	1,726		14	%
Securities Services	828			819			807			693			596			(28	)%
Total	$	2,347		$	2,400		$	2,474		$	2,399		$	2,322		(1	)%
Average Deposits and Other Customer Liability Balances (in billions)
North America	$	61		$	52		$	54		$	76		$	74		21	%
EMEA	105			110			109			106			97			(8	)%
Latin America	20			20			20			19			18			(10	)%
Asia	97			94			90			91			89			(8	)%
Total	$	283		$	276		$	273		$	292		$	278		(2	)%
Assets Under Custody (EOP in trillions)	$	12.9		$	12.8		$	11.9		$	10.7		$	10.3		(20	)%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

17

GLOBAL WEALTH MANAGEMENT Page 1 (In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
Net Interest Revenue	$	570		$	599		$	671		$	782		$	698		22	%
Non-Interest Revenue	2,709			2,716			2,493			2,061			1,921			(29	)%
Total Revenues, Net of Interest Expense	3,279			3,315			3,164			2,843			2,619			(20	)%
Total Operating Expenses	2,796			2,634			2,513			2,605			2,101			(25	)%
Net Credit Losses	10			(1		)	1			42			18			80	%
Credit Reserve Build / (Release)	11			41			64			133			94			NM
Total Provision for Loan Losses	21			40			65			175			112			NM
Income Before Taxes and Minority Interest	462			641			586			63			406			(12	)%
Income Taxes	159			232			225			36			145			(9	)%
Minority Interest, Net of Tax	9			4			(2		)	(2		)	—			(100	)%
Net Income	$	294		$	405		$	363		$	29		$	261		(11	)%
Pretax Profit Margin	14		%	19		%	19		%	2		%	16		%
Average Assets (in billions of dollars)	$	107		$	110		$	111		$	105		$	93		(13	)%
Average Risk Capital	$	4,509		$	4,131		$	3,847		$	3,606		$	4,914		9	%
Return on Risk Capital	26		%	39		%	38		%	3		%	22		%
Return on Invested Capital	11		%	15		%	15		%	1		%	11		%
Fee-Based Revenues	$	1,960		$	1,951		$	1,983		$	1,885		$	1,632		(17	)%
Financial Advisors (FA) / Bankers	15,241			14,983			14,735			13,765			12,659			(17	)%
Net Client Asset Flows (in billions)	$	(1	)	$	(11	)	$	3		$	(17	)	$	(40	)	NM
Revenues:
Smith Barney	$	2,648		$	2,715		$	2,576		$	2,297		$	2,090		(21	)%
Private Bank	631			600			588			546			529			(16	)%
Total Revenues	$	3,279		$	3,315		$	3,164		$	2,843		$	2,619		(20	)%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

18

GLOBAL WEALTH MANAGEMENT Page 2

											1Q09 vs.
	1Q		2Q		3Q		4Q		1Q		1Q08 Increase/
	2008		2008		2008		2008		2009		(Decrease)
KEY INDICATORS (in billions of dollars, except for branches)
Client Assets Under Fee-Based Management
North America	$	364	$	357	$	314	$	254	$	225	(38	)%
EMEA	20		19		17		13		12		(40	)%
Latin America	13		13		11		8		7		(46	)%
Asia	84		80		73		57		49		(42	)%
Total	$	481	$	469	$	415	$	332	$	293	(39	)%
Average Deposits and Other Customer Liability Balances
North America	$	80.0	$	78.0	$	76.0	$	78.3	$	79.4	(1	)%
EMEA	22.0		18.0		19.0		17.7		15.1		(31	)%
Latin America	9.0		9.0		7.0		5.4		4.7		(48	)%
Asia	21.0		22.0		22.0		20.2		17.8		(15	)%
Total	$	132.0	$	127.0	$	124.0	$	121.6	$	117.0	(11	)%
Total Client Assets (1)
North America	$	1,273	$	1,242	$	1,146	$	982	$	894	(30	)%
EMEA	65		63		57		46		42		(35	)%
Latin America	47		47		41		32		29		(38	)%
Asia	322		310		288		260		231		(28	)%
Total	$	1,707	$	1,662	$	1,532	$	1,320	$	1,196	(30	)%
Average Loans
North America	$	39.9	$	39.0	$	38.0	$	37.2	$	35.6	(11	)%
EMEA	9.2		10.0		10.0		8.4		6.4		(30	)%
Latin America	2.5		3.0		3.0		2.6		2.4		(4	)%
Asia	12.4		13.0		13.0		11.0		8.6		(31	)%
Total	64.0		65.0		64.0		59.2		53.0		(17	)%
Offices
North America	683		674		658		627		614		(10	)%
EMEA	29		29		29		29		29		0	%
Latin America	11		11		10		10		8		(27	)%
Asia	136		134		134		134		126		(7	)%
Total	859		848		831		800		777		(10	)%

(1)   Total Client Assets include Average Deposits and Other Customer Liability Balances.

Reclassified to conform to the current period’s presentation.

19

NORTH AMERICA
(In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
Net Interest Revenue	$	6,691		$	7,180		$	7,072		$	7,769		$	7,840		17	%
Non-Interest Revenue	(4,311		)	551			(1,118		)	(10,090		)	2,966			NM
Total Revenues, Net of Interest Expense	2,380			7,731			5,954			(2,321		)	10,806			NM
Total Operating Expenses	8,277			8,146			7,533			12,451			6,343			(23	)%
Net Credit Losses	2,190			2,663			3,090			3,840			5,163			NM
Credit Reserve Build / (Release)	1,477			2,044			2,775			4,570			1,751			19	%
Provision for Benefits & Claims	222			214			213			544			291			31	%
Provision for Loan Losses and for Benefits and Claims	3,889			4,921			6,078			8,954			7,205			85	%
Income (Loss) Before Taxes and Minority Interest	(9,786		)	(5,336		)	(7,657		)	(23,726		)	(2,742		)	72	%
Income Taxes (Benefits)	(4,165		)	(2,070		)	(2,892		)	(7,919		)	(1,382		)	67	%
Minority Interest, Net of Tax	(35		)	51			(126		)	(314		)	(15		)	57	%
Net Income (Loss)	$	(5,586	)	$	(3,317	)	$	(4,639	)	$	(15,493	)	$	(1,345	)	76	%
Average Assets (in billions of dollars)	$	1,289		$	1,272		$	1,118		$	1,073		$	1,021		(21	)%
Return on Assets	(1.74		)%	(1.05		)%	(1.65		)%	(5.74		)%	(0.53		)%
Key Drivers (in billions of dollars, except branches):
Average Loans
Managed Cards	$	152.7		$	151.2		$	150.6		$	149.3		$	145.9		(4	)%
Consumer Banking	307.2			305.1			291.7			288.6			283.3			(8	)%
Corporate	49.3			44.9			46.2			57.5			60.3			22	%
Global Wealth Management	39.9			39.0			38.0			37.2			35.6			(11	)%
Total	$	549.1		$	540.2		$	526.5		$	532.6		$	525.1		(4	)%
Average Consumer Banking Loans
Residential Real Estate	$	219.9		$	215.3		$	205.2		$	200.5		$	196.7		(11	)%
Auto	21.2			21.0			20.1			19.2			18.0			(15	)%
Student	24.0			24.9			23.0			25.7			26.5			10	%
Personal and Other	20.4			20.9			21.5			21.2			20.3			—
Commercial	21.7			23.0			21.9			22.0			21.8			—
Total	$	307.2		$	305.1		$	291.7		$	288.6		$	283.3		(8	)%
Average Deposits (and other Customer Liability Balances)
Checking, Savings & Money Market Deposits	$	92.7		$	97.4		$	95.0		$	90.9		$	92.1		(1	)%
Time Deposits, CDs and Other	30.0			24.4			25.8			34.7			35.9			20	%
Consumer Banking Deposits	122.7			121.8			120.8			125.6			128.0			4	%
Transaction Services	61.0			52.0			54.0			76.0			74.0			21	%
Global Wealth Management	80.0			78.0			76.0			78.3			79.4			(1	)%
Total	$	263.7		$	251.8		$	250.8		$	279.9		$	281.4		7	%
Global Wealth Management Assets Under Fee-Based Management	$	364		$	357		$	314		$	254		$	225		(38	)%
Global Wealth Management Total Client Assets	$	1,273		$	1,242		$	1,146		$	982		$	894		(30	)%
Consumer Banking Investment Sales	$	1.5		$	1.3		$	1.2		$	0.9		$	0.8		(47	)%
Consumer Banking Investment AUMs	$	34.4		$	34.4		$	30.7		$	24.6		$	22.5		(35	)%
Branches / Offices
Citibank	1,051			1,030			1,010			1,015			1,000			(5	)%
CitiFinancial	2,517			2,526			2,449			2,347			2,341			(7	)%
Global Wealth Management Offices	683			674			658			627			614			(10	)%
Total	4,251			4,230			4,117			3,989			3,955			(7	)%
Consumer Loans Excluding GWM
Net Credit Loss Ratio	2.45		%	2.83		%	3.50		%	4.23		%	4.98		%
Loans 90+Days Past Due (in millions)	$	8,115		$	8,957		$	10,486		$	12,569		$	14,766		82	%
% of EOP Loans	2.34		%	2.70		%	3.14		%	3.81		%	4.69		%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

20

EMEA
(In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
Net Interest Revenue	$	2,104		$	2,367		$	2,066		$	2,081		$	2,031		(3	)%
Non-Interest Revenue	(516		)	899			1,209			908			3,690			NM
Total Revenues, Net of Interest Expense	1,588			3,266			3,275			2,989			5,721			NM
Total Operating Expenses	3,072			2,888			2,504			2,587			1,936			(37	)%
Net Credit Losses	345			447			513			889			845			NM
Credit Reserve Build / (Release)	110			165			474			627			382			NM
Provision for Benefits & Claims	1			—			1			—			—			—
Provision for Loan Losses and for Benefits and Claims	456			612			988			1,516			1,227			NM
Income (Loss) Before Taxes and Minority Interest	(1,940		)	(234		)	(217		)	(1,114		)	2,558			NM
Income Taxes (Benefits)	(802		)	(127		)	(254		)	(664		)	755			NM
Minority Interest, Net of Tax	21			21			28			13			1			(95	)%
Net Income (Loss)	$	(1,159	)	$	(128	)	$	9		$	(463	)	$	1,802		NM
Average Assets (in billions of dollars)	$	432		$	373		$	364		$	321		$	286		(34	)%
Return on Assets	(1.08		)%	(0.14		)%	0.01		%	(0.57		)%	2.56		%
Key Drivers (in billions of dollars, except branches):
Average Loans
Cards	$	15.7		$	16.5		$	16.2		$	14.1		$	13.3		(15	)%
Consumer Banking	25.1			26.1			25.3			21.6			19.9			(21	)%
Corporate	73.2			70.4			61.9			58.4			51.9			(29	)%
Global Wealth Management	9.2			10.0			10.0			8.4			6.4			(30	)%
Total	$	123.2		$	123.0		$	113.4		$	102.5		$	91.5		(26	)%
Average Consumer Banking Loans
Residential Real Estate	$	8.7		$	9.0		$	8.6		$	7.0		$	6.4		(26	)%
Personal	15.0			15.7			15.3			13.2			12.2			(19	)%
Commercial and other	1.4			1.4			1.4			1.4			1.3			(7	)%
Total	$	25.1		$	26.1		$	25.3		$	21.6		$	19.9		(21	)%
Average Deposits (and other Customer Liability Balances)
Consumer Banking Deposits	$	36.0		$	35.5		$	32.6		$	25.3		$	23.3		(35	)%
Transaction Services	105.0			110.0			109.0			106.0			97.0			(8	)%
Global Wealth Management	22.0			18.0			19.0			17.7			15.1			(31	)%
Total	$	163.0		$	163.5		$	160.6		$	149.0		$	135.4		(17	)%
Global Wealth Management Assets Under Fee-Based Management	$	20		$	19		$	17		$	13		$	12		(40	)%
Global Wealth Management Total Client Assets	$	65		$	63		$	57		$	46		$	42		(35	)%
Consumer Banking Investment Sales	$	2.2		$	1.6		$	1.3		$	0.6		$	0.8		(64	)%
Consumer Banking Investment AUMs	$	15.5		$	13.7		$	11.5		$	8.8		$	7.9		(49	)%
Branches / Offices
Citibank	496			491			497			488			477			(4	)%
CitiFinancial	317			259			262			261			224			(29	)%
Global Wealth Management Offices	29			29			29			29			29			—
Total	842			779			788			778			730			(13	)%
Consumer Loans Excluding GWM
Net Credit Loss Ratio	2.94		%	3.11		%	3.52		%	4.31		%	5.92		%
Loans 90+Days Past Due (in millions)	$	644		$	751		$	810		$	916		$	1,158		80	%
% of EOP Loans	1.53		%	1.72		%	2.02		%	2.56		%	3.50		%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

21

LATIN AMERICA
(In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
Net Interest Revenue	$	2,015		$	2,169		$	2,061		$	1,756		$	1,597		(21	)%
Non-Interest Revenue	1,921			1,275			1,017			931			2,360			23	%
Total Revenues, Net of Interest Expense	3,936			3,444			3,078			2,687			3,957			1	%
Total Operating Expenses	1,487			1,822			1,849			5,945			1,345			(10	)%
Net Credit Losses	503			575			657			584			564			12	%
Credit Reserve Build / (Release)	224			165			252			502			282			26	%
Provision for Benefits & Claims	54			45			59			50			41			(24	)%
Provision for Loan Losses and for Benefits and Claims	781			785			968			1,136			887			14	%
Income Before Taxes and Minority Interest	1,668			837			261			(4,394		)	1,725			3	%
Income Taxes	472			178			(20		)	(279		)	541			15	%
Minority Interest, Net of Tax	1			1			1			1			1			—
Net Income (Loss)	$	1,195		$	658		$	280		$	(4,116	)	$	1,183		(1	)%
Average Assets (in billions of dollars)	$	153		$	159		$	156		$	144		$	130		(15	)%
Return on Assets	3.14		%	1.66		%	0.71		%	(11.37		)%	3.69		%
Key Drivers (in billions of dollars, except branches):
Average Loans
Cards	$	14.1		$	14.7		$	14.6		$	11.8		$	10.9		(23	)%
Consumer Banking	14.6			15.6			16.0			14.2			13.6			(7	)%
Corporate	29.1			28.8			27.4			24.1			23.0			(21	)%
Global Wealth Management	2.5			3.0			3.0			2.6			2.4			(4	)%
Total	$	60.3		$	62.1		$	61.0		$	52.7		$	49.9		(17	)%
Average Consumer Banking Loans
Residential Real Estate	$	3.3		$	3.6		$	3.6		$	3.2		$	3.2		(3	)%
Personal	5.0			5.5			5.3			4.4			4.1			(19	)%
Commercial and other	6.3			6.5			7.1			6.6			6.3			—
Total	$	14.6		$	15.6		$	16.0		$	14.2		$	13.6		(7	)%
Average Deposits (and other Customer Liability Balances)
Consumer Banking Deposits	$	41.4		$	41.3		$	40.9		$	35.1		$	33.5		(19	)%
Transaction Services	20.0			20.0			20.0			19.0			18.0			(10	)%
Global Wealth Management	9.0			9.0			7.0			5.4			4.7			(48	)%
Total	$	70.4		$	70.3		$	67.9		$	59.5		$	56.2		(20	)%
Global Wealth Management Assets Under Fee-Based Management	$	13		$	13		$	11		$	8		$	7		(46	)%
Global Wealth Management Total Client Assets	$	47		$	47		$	41		$	32		$	29		(38	)%
Consumer Banking Investment Sales	$	14.6		$	15.4		$	16.2		$	13.4		$	11.5		(21	)%
Consumer Banking Investment AUMs	$	34.5		$	37.4		$	32.9		$	25.0		$	22.9		(34	)%
Branches / Offices
Citibank	2,066			2,071			2,055			2,028			1,965			(5	)%
CitiFinancial	568			564			533			533			477			(16	)%
Global Wealth Management Offices	11			11			10			10			8			(27	)%
Total	2,645			2,646			2,598			2,571			2,450			(7	)%
Consumer Loans Excluding GWM
Net Credit Loss Ratio	6.96		%	7.64		%	8.64		%	8.66		%	9.24		%
Loans 90+Days Past Due (in millions)	$	1,121		$	1,182		$	1,129		$	983		$	1,011		(10	)%
% of EOP Loans	3.86		%	3.84		%	3.87		%	3.85		%	4.11		%

Reclassified to conform to the current period’s presentation.

22

ASIA
Page 1
(In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
ASIA
Net Interest Revenue	$	2,419		$	2,484		$	2,514		$	2,231		$	2,095		(13	)%
Non-Interest Revenue	2,168			2,111			1,954			(245		)	1,714			(21	)%
Total Revenues, Net of Interest Expense	4,587			4,595			4,468			1,986			3,809			(17	)%
Total Operating Expenses	2,834			2,788			2,612			3,813			2,174			(23	)%
Net Credit Losses	599			634			660			827			709			18	%
Credit Reserve Build / (Release)	128			147			372			260			280			NM
Provision for Benefits & Claims	—			—			—			—			—			—
Provision for Loan Losses and for Benefits and Claims	727			781			1,032			1,087			989			36	%
Income Before Taxes and Minority Interest	1,026			1,026			824			(2,914		)	646			(37	)%
Income Taxes	269			250			127			(2,292		)	4			(99	)%
Minority Interest, Net of Tax	(8		)	4			2			(9		)	(3		)	63	%
Net Income	$	765		$	772		$	695		$	(613	)	$	645		(16	)%
Average Assets (in billions of dollars)	$	364		$	354		$	337		$	359		$	301		(17	)%
Return on Assets	0.85		%	0.88		%	0.82		%	(0.68		)%	0.87		%
CONSUMER FINANCE JAPAN
Net Interest Revenue	$	264		$	173		$	224		$	65		$	162		(39	)%
Non-Interest Revenue	13			3			1			2			3			(77	)%
Total Revenues, Net of Interest Expense	277			176			225			67			165			(40	)%
Total Operating Expenses	95			101			84			91			59			(38	)%
Net Credit Losses	317			314			295			305			316			—
Credit Reserve Build / (Release)	—			—			91			13			(52		)	—
Provision for Benefits & Claims	—			—			1			—			—			—
Provision for Loan Losses and for Benefits and Claims	317			314			387			318			264			(17	)%
Income Before Taxes and Minority Interest	(135		)	(239		)	(246		)	(342		)	(158		)	(17	)%
Income Taxes	(49		)	(85		)	(87		)	(887		)	(122		)	NM
Minority Interest, Net of Tax	—			—			—			—			—			—
Net Income	$	(86	)	$	(154	)	$	(159	)	$	545		$	(36	)	58	%
Average Assets (in billions of dollars)	$	9		$	8		$	8		$	8		$	8		(11	)%
Return on Assets	(3.84		)%	(7.74		)%	(7.91		)%	27.10		%	(1.83		)%
ASIA EXCLUDING CONSUMER FINANCE JAPAN
Net Interest Revenue	$	2,155		$	2,311		$	2,290		$	2,166		$	1,933		(10	)%
Non-Interest Revenue	2,155			2,108			1,953			(247		)	1,711			(21	)%
Total Revenues, Net of Interest Expense	4,310			4,419			4,243			1,919			3,644			(15	)%
Total Operating Expenses	2,739			2,687			2,528			3,722			2,115			(23	)%
Net Credit Losses	282			320			365			522			393			39	%
Credit Reserve Build / (Release)	128			147			281			247			332			NM
Provision for Benefits & Claims	—			—			(1		)	—			—			—
Provision for Loan Losses and for Benefits and Claims	410			467			645			769			725			77	%
Income Before Taxes and Minority Interest	1,161			1,265			1,070			(2,572		)	804			(31	)%
Income Taxes	318			335			214			(1,405		)	126			(60	)%
Minority Interest, Net of Tax	(8		)	4			2			(9		)	(3		)	63	%
Net Income	$	851		$	926		$	854		$	(1,158	)	$	681		(20	)%
Average Assets (in billions of dollars)	$	355		$	346		$	329		$	351		$	293		(17	)%
Return on Assets	0.96		%	1.08		%	1.03		%	(1.31		)%	0.94		%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

23

ASIA
Page 2 (In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
Key Drivers (in billions of dollars, except branches):
Average Loans
Cards	$	17.1		$	17.6		$	17.3		$	16.1		$	15.5		(9	)%
Consumer Banking (excluding CF Japan)	51.9			51.6			49.9			43.4			41.8			(19	)%
Corporate	45.2			43.6			40.1			38.1			34.0			(25	)%
Global Wealth Management	12.4			13.0			13.0			11.0			8.6			(31	)%
	126.6			125.8			120.3			108.6			99.9			(21	)%
Consumer Finance Japan	8.9			8.4			7.8			8.3			7.6			(15	)%
Total	$	135.5		$	134.2		$	128.1		$	116.9		$	107.5		(21	)%
Average Consumer Banking Loans (excluding CF Japan)
Residential Real Estate	$	28.4		$	28.4		$	27.1		$	23.8		$	22.8		(20	)%
Personal	11.1			11.1			10.8			9.4			8.8			(21	)%
Commercial and other	12.4			12.1			12.0			10.2			10.2			(18	)%
Total	$	51.9		$	51.6		$	49.9		$	43.4		$	41.8		(19	)%
Average Deposits (and other Customer Liability Balances)
Consumer Banking Deposits	$	97.7		$	96.8		$	92.5		$	84.7		$	82.9		(15	)%
Transaction Services	97.0			94.0			90.0			91.0			89.0			(8	)%
Global Wealth Management	21.0			22.0			22.0			20.2			17.8			(15	)%
Total	$	215.7		$	212.8		$	204.5		$	195.9		$	189.7		(12	)%
Global Wealth Management Assets Under Fee-Based Management	$	84		$	80		$	73		$	57		$	49		(42	)%
Global Wealth Management Total Client Assets	$	322		$	310		$	288		$	260		$	231		(28	)%
Consumer Banking Investment Sales	$	10.0		$	9.5		$	6.1		$	2.8		$	3.4		(66	)%
Consumer Banking Investment AUMs	$	54.3		$	53.1		$	44.9		$	35.8		$	33.0		(39	)%
Branches / Offices
Citibank	492			492			495			492			507			3	%
CitiFinancial (excluding Japan)	612			555			555			562			315			(49	)%
Global Wealth Management Offices	136			134			134			134			126			(7	)%
	1,240			1,181			1,184			1,188			948			(24	)%
Consumer Finance Japan	41			36			19			4			4			(90	)%
Total	1,281			1,217			1,203			1,192			952			(26	)%
Consumer Loans Excluding GWM
Net Credit Loss Ratio	2.99		%	3.16		%	3.32		%	3.69		%	4.23		%
Loans 90+Days Past Due (in millions)	$	765		$	798		$	747		$	784		$	879		15	%
% of EOP Loans	0.98		%	1.03		%	1.04		%	1.13		%	1.37		%

Reclassified to conform to the current period’s presentation.

24

CITIGROUP — RETURN ON CAPITAL (1)

	Average Risk Capital ($M) (2)						Return on Risk Capital						Return on Invested Capital
	First		Fourth		First		First		Fourth		First		First		Fourth		First
	Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter
	2008		2008		2009		2008		2008		2009		2008		2008		2009
Global Cards	$	14,762	$	13,976	$	16,948	33	%	(17	)%	10	%	18	%	(9	)%	6	%
Consumer Banking	27,272		31,064		35,213		1	%	(133	)%	(14	)%	0	%	(88	)%	(11	)%
Institutional Clients Group (ICG):
Securities and Banking	52,617		44,293		46,144		(54	)%	(94	)%	17	%	(72	)%	(72	)%	13	%
Transaction Services	2,245		1,812		2,033		131	%	158	%	168	%	66	%	73	%	87	%
Total Institutional Clients Group (ICG)	54,862		46,105		48,177		(47	)%	(84	)%	24	%	(36	)%	(63	)%	18	%
Global Wealth Management	4,509		3,606		4,914		26	%	3	%	22	%	11	%	1	%	11	%
Corporate / Other	4,856		3,765		1,524		NM		NM		NM		NM		NM		NM
Total Citigroup - Risk Capital (2)	$	106,261	$	98,516	$	106,776	(20	)%	(86	)%	6	%
Total Citigroup - Return on Invested Capital (2) (3)													(19	)%	(85	)%	(6	)%

(1)	Risk Capital is defined as the amount of capital needed to cover unexpected economic losses during extreme events. Return on Risk Capital is defined as income divided by Risk Capital. Return on Invested Capital is a similar calculation but includes adjustments for goodwill and intangibles in both the numerator and denominator, similar to those necessary to translate return on tangible equity to return on total equity. Return on Risk Capital and Return on Invested Capital are non-GAAP performance measures. Management believes Return on Risk Capital is useful to make incremental investment decisions and serves as a key metric for organic growth initiatives. Return on Invested Capital is used for multi-year investment decisions and as a long term performance measure.
(2)	Average Risk Capital is net of the cross-sector diversification. Average Invested Capital includes the difference between Tangible Equity and Risk Capital, which is also included in the Total Citigroup Return on Invested Capital.
(3)	Total Citigroup Return on Invested Capital equals Citigroup Return on Common Equity.
NM	Not meaningful

Reclassified to conform to the current period’s presentation.

25

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

	Average Volumes						Interest						% Average Rate (4)
	First		Fourth		First		First		Fourth		First		First		Fourth		First
	Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter
In millions of dollars	2008		2008		2009 (5)		2008		2008		2009		2008		2008		2009 (5)
Assets:
Deposits with Banks (6)	$	63,314	$	120,963	$	170,463	$	784	$	759	$	432	4.98	%	2.50	%	1.03	%
Fed Funds Sold and Resale Agreements (7)	282,315		209,720		182,635		3,172		1,404		888		4.52	%	2.66	%	1.97	%
Trading Account Assets (8)	434,869		308,725		264,008		4,799		3,892		2,958		4.44	%	5.02	%	4.54	%
Investments (1)	217,267		219,352		244,114		2,687		2,886		3,176		4.97	%	5.23	%	5.28	%
Consumer Loans	566,636		523,927		504,614		12,357		10,800		9,759		8.77	%	8.20	%	7.89	%
Corporate Loans	196,557		177,558		167,101		4,057		3,653		3,096		8.30	%	8.18	%	7.51	%
Total Loans (net of Unearned Income)	763,193		701,485		671,715		16,414		14,453		12,855		8.65	%	8.20	%	7.76	%
Other Interest-Earning Assets	119,148		75,609		53,163		1,334		517		300		4.50	%	2.72	%	2.29	%
Total Average Interest-Earning Assets	$	1,880,106	$	1,635,854	$	1,586,098	$	29,190	$	23,911	$	20,609	6.24	%	5.81	%	5.27	%
Liabilities:
Deposits	$	735,965	$	657,315	$	635,100	$	6,194	$	4,080	$	2,848	3.38	%	2.47	%	1.82	%
Fed Funds Purchased and Repurchase Agreements (7)	329,944		262,199		223,394		3,903		1,726		1,119		4.76	%	2.62	%	2.03	%
Trading Account Liabilities (8)	91,145		63,768		52,677		333		198		113		1.47	%	1.24	%	0.87	%
Short-Term Borrowings	232,033		196,220		189,922		1,381		711		497		2.39	%	1.44	%	1.06	%
Long-Term Debt (9)	339,137		341,256		343,777		4,311		3,943		3,134		5.11	%	4.60	%	3.70	%
Total Average Interest-Bearing Liabilities	$	1,728,224	$	1,520,758	$	1,444,870	$	16,122	$	10,658	$	7,711	3.75	%	2.79	%	2.16	%
Net Interest Revenue as a % of Average Interest-Earning Assets (NIM)							$	13,068	$	13,253	$	12,898	2.80	%	3.22	%	3.30	%
1Q09 Increase From													50	bps	8	bps

(1)	Interest Revenue excludes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $48 million for the 2008 first quarter, $159 million for the 2008 fourth quarter and $97 million for the 2009 first quarter.
(2)	Citigroup Average Balances and Interest Rates include both domestic and international operations.
(3)	Monthly or quarterly averages have been used by certain subsidiaries where daily averages are unavailable.
(4)	Average Rate % is calculated as annualized interest over average volumes.
(5)	Preliminary
(6)	Beginning with the fourth quarter of 2008, Deposits held with the Federal Reserve are interest-earning and are classified as Deposits with Banks.
(7)	Average volumes of securities borrowed or purchased under agreements to resell and securities loaned or sold under agreements to repurchase are reported net pursuant to FIN 41; the related interest excludes the impact of FIN 41.
(8)	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.
(9)	Excludes hybrid financial instruments and beneficial interests in consolidated VIEs that are classified as long-term debt as these obligations are accounted for at fair value with changes recorded in Principal Transactions.

Reclassified to conform to the current period’s presentation and has been reclassified to exclude Discontinued Operations.

26

CONSUMER LOAN DELINQUENCY AMOUNTS, NET CREDIT LOSSES AND RATIOS
(In millions of dollars, except loan amounts in billions)

										EOP											Average
	90 Days Or More Past Due (1)									Loans		Net Credit Losses (1)									Loans
	1Q08			4Q08			1Q09			1Q09		1Q08			4Q08			1Q09			1Q09
PRODUCT VIEW:
Global Cards
North America	$	826		$	1,298		$	1,258		$	36.1	$	614		$	903		$	1,112		$	43.3
Ratio	2.05		%	2.87		%	3.49		%			5.39		%	8.22		%	10.42		%
EMEA	266			369			468			13.2		140			183			234			13.3
Ratio	1.62		%	2.60		%	3.55		%			3.56		%	5.17		%	7.14		%
Latin America	539			561			548			10.7		359			422			420			10.9
Ratio	3.75		%	4.86		%	5.11		%			10.25		%	14.18		%	15.65		%
Asia	256			262			309			15.2		135			162			177			15.5
Ratio	1.49		%	1.57		%	2.04		%			3.17		%	4.02		%	4.62		%
Consumer Banking
North America	7,289			11,271			13,508			278.8		1,539			2,629			2,899			283.3
Ratio	2.38		%	3.96		%	4.85		%			2.02		%	3.62		%	4.15		%
EMEA	378			547			690			19.9		159			203			250			19.9
Ratio	1.46		%	2.54		%	3.47		%			2.55		%	3.75		%	5.11		%
Latin America	582			422			463			13.9		137			144			137			13.6
Ratio	3.98		%	3.01		%	3.33		%			3.78		%	4.04		%	4.10		%
Asia	509			522			570			49.0		444			466			500			49.4
Ratio	0.83		%	0.99		%	1.16		%			2.94		%	3.59		%	4.11		%
Global Wealth Management	31			289			585			52.1		10			42			18			53.0
Ratio	0.05		%	0.52		%	1.12		%			0.06		%	0.28		%	0.14		%
On-Balance Sheet Loans (2)	$	10,676		$	15,541		$	18,399		$	488.9	$	3,537		$	5,154		$	5,747		$	502.2
Ratio	1.90		%	3.01		%	3.76		%			2.52		%	3.93		%	4.64		%
Securitized Receivables (all in NA Cards)	2,113			2,655			3,138			106.0		1,591			2,115			2,549			102.6
Loans Held-for-Sale	14			—			—			—		—			—			—			—
Managed Loans (3)	$	12,803		$	18,196		$	21,537		$	594.9	$	5,128		$	7,269		$	8,296		$	604.8
Ratio	1.90		%	2.92		%	3.62		%			3.07		%	4.61		%	5.56		%
REGIONAL VIEW:
North America	$	8,143		$	12,866		$	15,262		$	350.6	$	2,154		$	3,555		$	4,024		$	362.2
Ratio	2.10		%	3.50		%	4.35		%			2.20		%	3.83		%	4.51		%
EMEA	645			922			1,207			39.5		298			391			484			39.6
Ratio	1.26		%	2.16		%	3.06		%			2.40		%	3.52		%	4.96		%
Latin America	1,120			983			1,011			26.8		496			566			558			26.9
Ratio	3.54		%	3.51		%	3.78		%			6.41		%	7.85		%	8.43		%
Asia	768			770			919			72.0		589			642			681			73.5
Ratio	0.84		%	0.97		%	1.28		%			2.62		%	3.23		%	3.75		%
On-Balance Sheet Loans (2)	$	10,676		$	15,541		$	18,399		$	488.9	$	3,537		$	5,154		$	5,747		$	502.2
Ratio	1.90		%	3.01		%	3.76		%			2.52		%	3.93		%	4.64		%
Securitized Receivables (all in NA Cards)	2,113			2,655			3,138			106.0		1,591			2,115			2,549			102.6
Loans Held-for-Sale	14			—			—			—		—			—			—			—
Managed Loans (3)	$	12,803		$	18,196		$	21,537		$	594.9	$	5,128		$	7,269		$	8,296		$	604.8
Ratio	1.90		%	2.92		%	3.62		%			3.07		%	4.61		%	5.56		%

(1)	The ratios of 90 days or more past due and net credit losses are calculated based on end-of-period and average loans, respectively, both net of unearned income.
(2)	Total Loans and Total Average Loans exclude certain interest and fees on credit cards of approximately $3 billion and $3 billion, respectively, which are included in Consumer Loans on the Consolidated Balance Sheet.
(3)	This table presents consumer credit information on a held basis and shows the impact of securitizations to reconcile to a managed basis. Only N.A. Cards from a product view and North America from a regional view are impacted. Managed basis reporting is a non-GAAP measure. Held basis reporting is the related GAAP measure. For a discussion of managed basis reporting see Note 1 to the Global Cards business on page 10.

Reclassified to conform to the current period’s presentation.

27

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

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
Allowance for Loan Losses at Beginning of Period	$	16,117		$	18,257		$	20,777		$	24,005		$	29,616
Gross Credit (Losses)	(4,247		)	(4,969		)	(5,467		)	(6,548		)	(7,659		)	(80	)%
Gross Recoveries	609			649			547			405			377			(38	)%
Net Credit (Losses) / Recoveries (NCL’s)	(3,638		)	(4,320		)	(4,920		)	(6,143		)	(7,282		)	(100	)%
NCL’s	3,638			4,320			4,920			6,143			7,282			100	%
Reserve Releases (1)	(89		)	(115		)	(56		)	—			—			100	%
Reserve Builds (1)	1,885			2,646			3,483			3,491			2,256			20	%
Specific Reserve Releases / Utilizations	(35		)	(29		)	(13		)	(596		)	(1,398		)	NM
Specific Reserve Builds	170			159			614			3,096			1,769			NM
Build(Release/Utilization)for Purchased Distressed Loan Portfolios	8			2			(5		)	37			6			(25	)%
Provision for Loan Losses	5,577			6,983			8,943			12,171			9,915			78	%
Other (2)	201			(143		)	(795		)	(417		)	(546		)
Allowance for Loan Losses at End of Period (1) (a)	$	18,257		$	20,777		$	24,005		$	29,616		$	31,703
Corporate Allowance for Unfunded Lending Commitments (3) (a)	$	1,250		$	1,107		$	957		$	887		$	947
Provision for Unfunded Lending Commitments	$	—		$	(143	)	$	(150	)	$	(70	)	$	60
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	19,507		$	21,884		$	24,962		$	30,503		$	32,650
Total Allowance for Loans Losses as a Percentage of Total Loans	2.31		%	2.78		%	3.35		%	4.27		%	4.82		%

(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. Included in the allowance for loan losses are reserves for Trouble Debt Restructurings (TDRs) of $443 million, $882 million, $1,443 million, $2,180 million and $2,760 million as of March 31, 2008, June 30, 2008, September 30, 2008, December 31, 2008 and March 31, 2009, respectively.
(2)	Includes all adjustments to the Allowance for Credit Losses, such as changes in the allowance from acquisitions, securitizations, foreign exchange translation, purchase accounting adjustments, etc. The significant items reported on this line for the periods presented include:
	-  For the 2009 first quarter, reductions to the credit loss reserves of $213 million related to securitizations and reductions of approximately $320 million primarily related to foreign currency translation.
	-  For the 2008 fourth quarter, reductions to the credit loss reserves of approximately $400 million primarily related to foreign currency translation.
	-  For the 2008 third quarter, reductions to the credit loss reserves of $23 million related to securitizations, reductions of $244 million related to the pending sale of Germany and reductions of approximately $400 million related to foreign currency translation.
	-  For the 2008 second quarter, reductions to the credit loss reserves of $21 million related to securitizations, reductions of $156 million related to the sale of CitiCapital and additions of $56 million related to purchase price adjustments for the Cuscatlan acquisition.
	-  For the 2008 first quarter, reductions to the credit loss reserves of $58 million related to securitizations and additions of $50 million related to purchase price adjustments for the Bank of Overseas Chinese acquisition.
(3)	Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.
NM Not meaningful

28

ALLOWANCE FOR CREDIT LOSSES
CONSUMER LOANS (1)
(In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
Allowance for Loan Losses at Beginning of Period	$	12,393		$	14,368		$	16,507		$	19,079		$	22,366
Gross Credit (Losses)	(4,110		)	(4,587		)	(5,107		)	(5,505		)	(6,095		)	(48	)%
Gross Recoveries	573			624			513			351			348			(39	)%
Net Credit (Losses) / Recoveries (NCL’s)	(3,537		)	(3,963		)	(4,594		)	(5,154		)	(5,747		)	(62	)%
NCL’s	3,537			3,963			4,594			5,154			5,747			62	%
Reserve Releases (2)	(29		)	—			(13		)	—			—			100	%
Reserve Builds (2)	1,825			2,257			3,135			2,819			1,805			(1	)%
Specific Reserve Releases / Utilizations	(3		)	—			—			—			—			100	%
Specific Reserve Builds	2			39			139			855			575			NM
Build(Release/Utilization)for Purchased Distressed Loan Portfolios	—			—			—			8			—			—
Provision for Loan Losses	5,332			6,259			7,855			8,836			8,127			52	%
Other (3)	180			(157		)	(689		)	(395		)	(465		)
Allowance for Loan Losses at End of Period (2)	$	14,368		$	16,507		$	19,079		$	22,366		$	24,281
Net Consumer Credit (Losses) as a Percentage of Average Consumer Loans	2.52		%	2.82		%	3.35		%	3.93		%	4.64		%
Consumer Allowance for Credit Losses As a Percentage of Total Consumer Loans	2.41		%	2.89		%	3.51		%	4.30		%	4.96		%

(1)Includes loans made to Global Wealth Management clients.

(2)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.  Included in the allowance for loan losses are reserves for Trouble Debt Restructurings (TDRs) of $443 million, $882 million, $1,443 million, $2,180 million and $2,760 million as of March 31, 2008, June 30, 2008, September 30, 2008, December 31, 2008 and March 31, 2009, respectively.

(3)Includes all adjustments to the Allowance for Credit Losses, such as changes in the allowance from acquisitions, securitizations, foreign exchange translation, purchase accounting adjustments, etc.  The significant items reported on this line for the periods presented include:

-  For the 2009 first quarter, reductions to the credit loss reserves of $213 million related to securitizations and reductions of approximately $242 million primarily related to foreign currency translation.

-  For the 2008 fourth quarter, reductions to the credit loss reserves of approximately $400 million primarily related to foreign currency translation.

-  For the 2008 third quarter, reductions to the credit loss reserves of $23 million related to securitizations, reductions of $244 million related to the pending sale of Germany and reductions of approximately $500 million related to foreign currency translation.

-  For the 2008 second quarter, reductions to the credit loss reserves of $21 million related to securitizations, reductions of $156 million related to the sale of CitiCapital and additions of $56 million related to purchase price adjustments for the Cuscatlan acquisition.

-  For the 2008 first quarter, reductions to the credit loss reserves of $58 million related to securitizations and additions of $50 million related to purchase price adjustments for the Bank of Overseas Chinese acquisition.

NM  Not meaningful

29

ALLOWANCE FOR CREDIT LOSSES
CORPORATE LOANS (1)
(In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
Allowance for Loan Losses at Beginning of Period	$	3,724		$	3,889		$	4,270		$	4,926		$	7,250
Gross Credit (Losses)	(137		)	(382		)	(360		)	(1,043		)	(1,564		)	NM
Gross Recoveries	36			25			34			54			29			(19	)%
Net Credit (Losses) / Recoveries (NCL’s)	(101		)	(357		)	(326		)	(989		)	(1,535		)	NM
NCL’s	101			357			326			989			1,535			NM
Reserve Releases (2)	(60		)	(115		)	(43		)	—			—			100	%
Reserve Builds (2)	60			389			348			672			451			NM
Specific Reserve Releases / Utilizations	(32		)	(29		)	(13		)	(596		)	(1,398		)	NM
Specific Reserve Builds	168			120			475			2,241			1,194			NM
Build(Release/Utilization)for Purchased Distressed Loan Portfolios	8			2			(5		)	29			6			(25	)%
Provision for Loan Losses	245			724			1,088			3,335			1,788			NM
Other (3)	21			14			(106		)	(22		)	(81		)
Allowance for Loan Losses at End of Period (1) (a)	$	3,889		$	4,270		$	4,926		$	7,250		$	7,422
Net Corporate Credit (Losses) (actual, not annualized) as a Percentage of Average Corporate Loans	0.05		%	0.19		%	0.19		%	0.56		%	0.92		%
Corporate Allowance for Credit Losses As a Percentage of Total Corporate Loans	2.02		%	2.43		%	2.84		%	4.15		%	4.43		%
Corporate Allowance for Unfunded Lending Commitments (4) (a)	$	1,250		$	1,107		$	957		$	887		$	947
Provision for Unfunded Lending Commitments	$	—		$	(143	)	$	(150	)	$	(70	)	$	60
Total Corporate Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	5,139		$	5,377		$	5,883		$	8,137		$	8,369

(1)	Includes Loans related to the Corporate / Other segment.
(2)	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.
(3)	Includes all adjustments to the Allowance for Credit Losses, such as changes in the allowance from acquisitions, securitizations, foreign exchange translation, purchase accounting adjustments, etc. The significant items reported on this line for the periods presented include:
	-  The 2009 first quarter includes adjustments primarily related to foreign currency translation.
	-  The 2008 fourth quarter includes adjustments primarily related to foreign currency translation.
	-  The 2008 third quarter includes adjustments primarily related to foreign currency translation.
	-  The 2008 first quarter includes adjustments for the transfer of business units from U.S. Consumer to Markets & Banking of $21 million and ($15) million for the release of reserves related to the contribution of certain assets  of Citi Chile to Banco de Chile.
(4)	Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.
NM  Not meaningful

30

CITIGROUP — COMPONENTS OF PROVISION FOR LOAN LOSSES (In millions of dollars)

														1Q09 vs.
	1Q			2Q			3Q			4Q		1Q		1Q08 Increase/
	2008			2008			2008			2008		2009		(Decrease)
Global Cards
Net Credit Losses	$	1,248		$	1,412		$	1,588		$	1,670	$	1,943	56	%
Credit Reserve Build / (Release)	623			583			1,069			1,275		1,108		78	%
North America
Net Credit Losses	614			687			766			903		1,112		81	%
Credit Reserve Build / (Release)	313			334			481			716		655		NM
EMEA
Net Credit Losses	140			161			180			183		234		67	%
Credit Reserve Build / (Release)	37			81			142			166		204		NM
Latin America
Net Credit Losses	359			417			484			422		420		17	%
Credit Reserve Build / (Release)	249			127			286			312		157		(37	)%
Asia
Net Credit Losses	135			147			158			162		177		31	%
Credit Reserve Build / (Release)	24			41			160			81		92		NM
Consumer Banking
Net Credit Losses	2,279			2,552			3,005			3,442		3,786		66	%
Credit Reserve Build / (Release)	1,161			1,672			2,128			2,274		1,178		1	%
North America
Net Credit Losses	1,539			1,764			2,166			2,629		2,899		88	%
Credit Reserve Build / (Release)	1,033			1,496			1,861			1,982		989		(4	)%
EMEA
Net Credit Losses	159			168			188			203		250		57	%
Credit Reserve Build / (Release)	34			49			86			83		134		NM
Latin America
Net Credit Losses	137			158			182			144		137		0	%
Credit Reserve Build / (Release)	(5		)	31			(13		)	126		15		NM
Asia
Net Credit Losses	444			462			469			466		500		13	%
Credit Reserve Build / (Release)	99			96			194			83		40		(60	)%
Global Wealth Management:
Net Credit Losses	10			(1		)	1			42		18		80	%
Credit Reserve Build / (Release)	11			41			64			133		94		NM
Consumer Provision for Loan Losses	5,332			6,259			7,855			8,836		8,127		52	%
Consumer NCLs	3,537			3,963			4,594			5,154		5,747		62	%
Consumer Credit Reserve Build / (Release)	1,795			2,296			3,261			3,682		2,380		33	%
Institutional Clients Group (ICG):
Net Credit Losses	101			357			326			989		1,535		NM
Credit Reserve Build / (Release)	144			367			762			2,345		253		76	%
Securities and Banking
Net Credit Losses	101			348			318			944		1,523		NM
Credit Reserve Build / (Release)	142			358			761			2,308		246		73	%
Transaction Services
Net Credit Losses	—			9			8			45		12		—
Credit Reserve Build / (Release)	2			9			1			37		7		NM
Corporate / Other	—			—						1		—		—
Corporate Provision for Loan Losses	245			724			1,088			3,335		1,788		NM
Total Provision for Loan Losses	$	5,577		$	6,983		$	8,943		$	12,171	$	9,915	78	%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

31

NON-PERFORMING ASSETS (In millions of dollars)

																1Q09 vs.
	1Q			2Q			3Q			4Q			1Q			1Q08 Increase/
	2008			2008			2008			2008			2009			(Decrease)
NON-ACCRUAL AND RENEGOTIATED LOANS (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	443		$	469		$	715		$	2,415		$	3,305		NM
EMEA	1,276			1,602			1,433			6,375			6,503			NM
Latin America	74			81			133			238			322			NM
Asia	241			124			385			541			679			NM
Total	$	2,034		$	2,276		$	2,666		$	9,569		$	10,809		NM
Consumer Non-Accrual Loans By Region (2)
North America	$	5,724		$	6,471		$	8,149		$	9,876		$	12,185		NM
EMEA	663			815			801			886			1,085			64	%
Latin America	1,291			1,436			1,339			1,284			1,321			2	%
Asia	623			628			588			682			711			14	%
Total	$	8,301		$	9,350		$	10,877		$	12,728		$	15,302		84	%
Renegotiated Loans (includes Corporate and Commercial Business Loans)	$	174		$	184		$	124		$	134		$	163		(6	)%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
Consumer	$	1,008		$	1,121		$	1,200		$	1,097		$	928		(8	)%
ICG	545			489			402			336			274			(50	)%
TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	1,553		$	1,610		$	1,602		$	1,433		$	1,202		(23	)%
OREO By Region:
North America	$	1,340		$	1,481		$	1,483		$	1,259		$	1,026		(23	)%
EMEA	84			87			83			90			80			(5	)%
Latin America	125			39			35			29			25			(80	)%
Asia	4			3			1			55			71			NM
Total	$	1,553		$	1,610		$	1,602		$	1,433		$	1,202		(23	)%
OTHER REPOSSESSED ASSETS (4)	$	107		$	94		$	81		$	78		$	78		(27	)%
Non-Performing Assets (NPA) (5)
Corporate Non-Accrual Loans	$	2,034		$	2,276		$	2,666		$	9,569		$	10,809		NM
Consumer Non-Accrual Basis Loans	8,301			9,350			10,877			12,728			15,302			84	%
Non-Performing Loans (NPL)	10,335			11,626			13,543			22,297			26,111			NM
OREO	1,553			1,610			1,602			1,433			1,202			(23	)%
Other Repossessed Assets	107			94			81			78			78			(27	)%
Non-Performing Assets (NPA)	$	11,995		$	13,330		$	15,226		$	23,808		$	27,391		NM
NPL as a % of Total Loans	1.31		%	1.56		%	1.89		%	3.21		%	3.97		%
NPA as a % of Total Assets	0.55		%	0.63		%	0.74		%	1.23		%	1.50		%
Allowance for Loan Losses as a % of NPL	177		%	179		%	177		%	133		%	121		%

NM Not meaningful
(1)	Non-accrual loans are loans in which the borrower has fallen behind in interest payments and are now considered impaired. As a general rule, consumer loans are charged off at 120 days past due and credit card loans are charged off at 180 days contractually past due. Consumer loans secured with non-real-estate collateral are written down to the estimated  value of the collateral, less costs to sell, at 120 days past due. Consumer real-estate secured loans are written down to the estimated value of the property less costs to sell, when they are 180 days contractually past due. Impaired corporate loans and leases are written down to the extent that principal is judged to be uncollectible.
(2)	Excludes SOP 3-03 purchased distressed loans. The carrying value of these loans was: $2,224 million at March 31, 2008, $1,891 million at June 30, 2008, $1,550 million at September 30, 2008, $1,510 million at December 31, 2008, and $1,328 million at March 31, 2009.
(3)	Represents the carrying value of all property acquired by foreclosure or other legal proceedings when the Company has taken possession of the collateral.
(4)	Primarily transportation equipment, carried at lower of cost or fair value, less costs to sell.
(5)	There is no industry-wide definition of non-performing assets. As such, analysis against the industry is not always comparable.

*** END OF FILE ***

32