Exhibit 99.2

CITIGROUP - QUARTERLY FINANCIAL DATA SUPPLEMENT 4Q09

	Page Number
Citigroup Consolidated
Financial Summary	1
Consolidated Statement of Income	2
Consolidated Balance Sheet	3
Segment Detail
Net Revenues	4
Income	5
Citicorp
Income Statement and Balance Sheet Summary	6
Regional Consumer Banking	7 - 8
North America	9 - 10
EMEA	11 - 12
Latin America	13 - 14
Asia	15 - 16
Institutional Clients Group (ICG)	17
Securities and Banking	18
Transaction Services	19
Citi Holdings
Income Statement and Balance Sheet Summary	20
Brokerage and Asset Management	21
Local Consumer Lending	22 - 24
Special Asset Pool	25
Citigroup Supplemental Detail
Average Balances and Interest Rates	26
Deposits	27
Consumer Loan Delinquency Amounts, Net Credit Losses and Ratios
90+ Days	28
30-89 Days	29
Allowance for Credit Losses
Total Citigroup	30
Consumer and Corporate	31
Components of Provision for Loan Losses
Citicorp	32
Citi Holdings / Total Citigroup	33
Non-Accrual Assets
Total Citigroup	34
Citicorp	35
Citi Holdings	36
Reconciliation of Non-GAAP Financial Measures	37 - 40

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

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Total Revenues, Net of Interest Expense	$	12,157		$	17,538		$	16,258		$	5,646		$	24,521		$	29,969		$	20,390		$	5,405		(4	)%	$	51,599		$	80,285		56	%
Total Operating Expenses	15,377			15,214			14,007			24,642			11,685			11,999			11,824			12,314			(50	)%	69,240			47,822			(31	)%
Provision for Credit Losses and for Benefits and Claims	5,852			7,100			9,067			12,695			10,307			12,676			9,095			8,184			(36	)%	34,714			40,262			16	%
Income (Loss) from Continuing Operations before Income Taxes	(9,072		)	(4,776		)	(6,816		)	(31,691		)	2,529			5,294			(529		)	(15,093		)	52	%	(52,355		)	(7,799		)	85	%
Income Taxes	(3,886		)	(2,447		)	(3,295		)	(10,698		)	835			907			(1,122		)	(7,353		)	31	%	(20,326		)	(6,733		)	67	%
Income (Loss) from Continuing Operations	$	(5,186	)	$	(2,329	)	$	(3,521	)	$	(20,993	)	$	1,694		$	4,387		$	593		$	(7,740	)	63	%	$	(32,029	)	$	(1,066	)	97	%
Income (Loss) from Discontinued Operations, net of Taxes	59			(94		)	613			3,424			(117		)	(142		)	(418		)	232			(93	)%	4,002			(445		)	NM
Net Income (Loss) before Attribution of Noncontrolling Interests	(5,127		)	(2,423		)	(2,908		)	(17,569		)	1,577			4,245			175			(7,508		)	57	%	(28,027		)	(1,511		)	95	%
Net Income (Loss) Attributable to Noncontrolling Interests	(16		)	72			(93		)	(306		)	(16		)	(34		)	74			71			NM		(343		)	95			NM
Citigroup’s Net Income (Loss)	$	(5,111	)	$	(2,495	)	$	(2,815	)	$	(17,263	)	$	1,593		$	4,279		$	101		$	(7,579	)	56	%	$	(27,684	)	$	(1,606	)	94	%
Diluted Earnings Per Share:
Income (Loss) from Continuing Operations (1)	$	(1.04	)	$	(0.53	)	$	(0.72	)	$	(4.04	)	$	(0.16	)	$	0.51		$	(0.23	)	$	(0.34	)	92	%	$	(6.37	)	$	(0.76	)	88	%
Citigroup’s Net Income (Loss) (1)	$	(1.03	)	$	(0.55	)	$	(0.61	)	$	(3.40	)	$	(0.18	)	$	0.49		$	(0.27	)	$	(0.33	)	90	%	$	(5.61	)	$	(0.80	)	86	%
Shares (in millions):
Average Basic	5,085.6			5,287.4			5,341.8			5,346.9			5,385.0			5,399.5			12,104.3			23,384.4			NM		5,265.4			11,568.3			NM
Average Diluted	5,575.7			5,776.8			5,831.1			5,892.2			5,953.3			5,967.8			12,216.0			24,260.0			NM		5,769.0			12,099.3			NM
Common Shares Outstanding, at period end	5,249.8			5,445.4			5,449.5			5,450.1			5,512.8			5,507.7			22,863.9			28,483.3			NM
Preferred Dividends - Basic (in millions)	$	83		$	361		$	389		$	899		$	1,274		$	1,549		$	288		$	—				$	1,732		$	3,111
Preferred Dividends - Diluted (in millions)	$	17		$	91		$	119		$	628		$	1,004		$	1,279		$	288		$	—				$	855		$	2,571
Income Available to Common Shareholders - Basic
Income (Loss) from Continuing Operations (1)	$	(5,253	)	$	(2,762	)	$	(3,817	)	$	(21,586	)	$	(849	)(2)	$	2,872		$	(2,824	)(2)	$	(7,998	)(2)	63	%	$	(33,418	)	$	(8,799	)	74	%
Citigroup’s Net Income (Loss) (1)	$	(5,194	)	$	(2,856	)	$	(3,204	)	$	(18,162	)	$	(966	)(2)	$	2,730		$	(3,242	)(2)	$	(7,766	)(2)	57	%	$	(29,416	)	$	(9,244	)	69	%
Income Available to Common Shareholders - Diluted
Income (Loss) from Continuing Operations (1)	$	(5,187	)	$	(2,492	)	$	(3,547	)	$	(21,315	)	$	(579	)(2)	$	3,142		$	(2,824	)(2)	$	(7,998	)(2)	62	%	$	(32,541	)	$	(8,259	)	75	%
Citigroup’s Net Income (Loss) (1)	$	(5,128	)	$	(2,586	)	$	(2,934	)	$	(17,891	)	$	(696	)(2)	$	3,000		$	(3,242	)(2)	$	(7,766	)(2)	57	%	$	(28,539	)	$	(8,704	)	70	%
Financial Ratios:
Tier 1 Capital Ratio	7.74		%	8.74		%	8.19		%	11.92		%	11.92		%	12.74		%	12.76		%	11.7		%
Total Capital Ratio	11.22		%	12.29		%	11.68		%	15.70		%	15.61		%	16.62		%	16.58		%	15.3		%
Leverage Ratio	4.39		%	5.04		%	4.70		%	6.08		%	6.60		%	6.92		%	6.87		%	6.8		%*
Return on Common Equity	(18.6		)%	(10.4		)%	(12.2		)%	(85.3		)%	(5.6		)%	14.8		%	(12.2		)%	(21.6		)%*
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		$	1,848.5		$	1,888.6		$	1,856.2	*	(4	)%
Trading Account Assets	578.4			505.4			457.5			377.6			335.2			325.0			340.7			342.8		*	(9	)%
Total Loans	789.8			746.8			717.0			694.2			657.3			641.7			622.2			591.5		*	(15	)%
Total Deposits	831.2			803.6			780.3			774.2			762.7			804.7			832.6			835.9		*	8	%
Common Equity	108.7			109.0			98.6			71.0			69.7			78.0			140.5			152.4		*	NM
Citigroup’s Stockholders’ Equity	128.1			136.4			126.1			141.6			143.9			152.3			140.8			152.7		*	8	%
Equity and Trust Securities	152.2			160.2			149.9			165.7			168.6			176.5			175.4			172.0		*	4	%
Book Value Per Share	$	20.70		$	20.01		$	18.10		$	13.02		$	12.64		$	14.16		$	6.15		$	5.35	*	(59	)%
Tangible Book Value Per Share (3)	$	9.92		$	9.69		$	8.38		$	5.70		$	5.61		$	7.26		$	4.47		$	4.15	*	(27	)%
Direct Staff (in thousands)	369			363			352			323			309			279			276			265		*	(18	)%

(1)The Company adopted FSP EITF 03-6-1 on January 1, 2009.  All prior periods have been restated to conform to the current presentation.  The Diluted EPS calculation for all periods in 2008, and the first, third and fourth quarters in 2009, utilize 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)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 with the purchasers of the $12.5 billion convertible preferred stock issued in a private offering in January 2008, the conversion price was reset from $31.62 per share to $26.35 per share.  There was 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, first quarter of 2009, second quarter of 2009 and third quarter of 2009 includes a reduction of $ 37 million, $53 million, $54 million and $16 million, respectively, related to the preferred stock Series H quarterly discount accretion.  Income available to common shareholders for the third quarter and fourth quarter of 2009 includes a reduction of $ 3.1 billion and $187 million, respectively, related to the Public and Private Exchange Offers.

(3)Tangible Book Value per Share is a Non-GAAP financial measure.  See page 40 for a reconciliation of this measure to its most comparable GAAP measure.

*   Preliminary

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

1

CITIGROUP CONSOLIDATED STATEMENT OF INCOME(In millions of dollars)

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Revenues
Interest revenue	$	29,161		$	27,337		$	26,130		$	23,871		$	20,583		$	19,671		$	18,678		$	17,703		(26	)%	$	106,499		$	76,635		(28	)%
Interest expense	16,073			13,351			12,726			10,600			7,657			6,842			6,680			6,542			(38	)%	52,750			27,721			(47	)%
Net interest revenue	13,088			13,986			13,404			13,271			12,926			12,829			11,998			11,161			(16	)%	53,749			48,914			(9	)%
Commissions and fees	1,341			5,799			3,208			18			4,168			5,437			3,218			4,293			NM		10,366			17,116			65	%
Principal transactions	(6,632		)	(5,802		)	(3,013		)	(7,154		)	3,670			433			1,660			(1,831		)	74	%	(22,601		)	3,932			NM
Administrative and other fiduciary fees	2,201			2,197			2,081			1,743			1,606			1,472			1,085			1,032			(41	)%	8,222			5,195			(37	)%
Realized gains (losses) on investments	(119		)	(139		)	(605		)	(1,198		)	9			(160		)	(285		)	(435		)	64	%	(2,061		)	(871		)	58	%
Insurance premiums	843			847			823			708			755			745			763			757			7	%	3,221			3,020			(6	)%
Other revenue (1)	1,435			650			360			(1,742		)	1,387			9,213			1,951			(9,572		)	NM		703			2,979			NM
Total non-interest revenues	(931		)	3,552			2,854			(7,625		)	11,595			17,140			8,392			(5,756		)	25	%	(2,150		)	31,371			NM
Total revenues, net of interest expense	12,157			17,538			16,258			5,646			24,521			29,969			20,390			5,405			(4	)%	51,599			80,285			56	%
Provisions for Credit Losses and for Benefits and Claims
Net credit losses (NCLs)	3,638			4,310			4,920			6,143			7,282			8,355			7,969			7,135			16	%	19,011			30,741			62	%
Net build / (Release)	1,939			2,673			4,023			6,028			2,633			3,878			802			706			(88	)%	14,663			8,019			(45	)%
Provision for loan losses	5,577			6,983			8,943			12,171			9,915			12,233			8,771			7,841			(36	)%	33,674			38,760			15	%
Policyholder benefits and claims	275			260			274			594			332			308			324			294			(51	)%	1,403			1,258			(10	)%
Provision for unfunded lending commitments	—			(143		)	(150		)	(70		)	60			135			—			49			NM		(363		)	244			NM
Total provisions for credit losses and for benefits and claims	5,852			7,100			9,067			12,695			10,307			12,676			9,095			8,184			(36	)%	34,714			40,262			16	%
Operating Expenses
Compensation and benefits	8,562			8,692			7,544			6,298			6,235			6,359			6,136			6,257			(1	)%	31,096			24,987			(20	)%
Premises and Equipment	1,294			1,347			1,342			1,334			1,083			1,091			1,035			1,130			(15	)%	5,317			4,339			(18	)%
Technology / communication expense	1,500			1,519			1,515			1,459			1,142			1,154			1,114			1,163			(20	)%	5,993			4,573			(24	)%
Advertising and marketing expense	601			616			496			475			334			351			317			413			(13	)%	2,188			1,415			(35	)%
Restructuring-related items	15			(44		)	8			1,571			(13		)	(32		)	(34		)	(34		)	NM		1,550			(113		)	NM
Other operating	3,405			3,084			3,102			13,505			2,904			3,076			3,256			3,385			(75	)%	23,096			12,621			(45	)%
Total operating expenses	15,377			15,214			14,007			24,642			11,685			11,999			11,824			12,314			(50	)%	69,240			47,822			(31	)%
Income (Loss) from Continuing Operations before  Income Taxes	(9,072		)	(4,776		)	(6,816		)	(31,691		)	2,529			5,294			(529		)	(15,093		)	52	%	(52,355		)	(7,799		)	85	%
Provision (benefits) for income taxes	(3,886		)	(2,447		)	(3,295		)	(10,698		)	835			907			(1,122		)	(7,353		)	31	%	(20,326		)	(6,733		)	67	%
Income (Loss) from Continuing Operations	(5,186		)	(2,329		)	(3,521		)	(20,993		)	1,694			4,387			593			(7,740		)	63	%	(32,029		)	(1,066		)	97	%
Discontinued Operations (2)
Income (Loss) from Discontinued Operations	54			337			507			(114		)	(152		)	(279		)	(204		)	(18		)			784			(653		)
Gain (Loss) on Sale	—			(517		)	9			3,647			(12		)	14			—			100					3,139			102
Provision (benefits) for income taxes	(5		)	(86		)	(97		)	109			(47		)	(123		)	214			(150		)			(79		)	(106		)
Income (Loss) from Discontinued Operations, net	59			(94		)	613			3,424			(117		)	(142		)	(418		)	232			(93	)%	4,002			(445		)	NM
Net Income (Loss) before attribution of Minority Interests	(5,127		)	(2,423		)	(2,908		)	(17,569		)	1,577			4,245			175			(7,508		)	57	%	(28,027		)	(1,511		)	95	%
Net Income (Loss) attributable to noncontrolling Minority Interests (Minority Interest)	(16		)	72			(93		)	(306		)	(16		)	(34		)	74			71			NM		(343		)	95			NM
Citigroup’s Net Income (Loss)	$	(5,111	)	$	(2,495	)	$	(2,815	)	$	(17,263	)	$	1,593		$	4,279		$	101		$	(7,579	)	56	%	$	(27,684	)	$	(1,606	)	94	%

(1)Other revenue for the second quarter of 2009 includes $11.1 billion ($6.7 billion after-tax) related to the sale of Smith Barney and establishment of the Joint Venture with Morgan Stanley.  Other revenue for the fourth quarter of 2009 includes $10.1 billion loss ($6.2 billion after-tax) related to the Company’s debt extinguishment in connection with the repayment of TARP and exit from of the U.S. Government Loss-sharing Agreement.

(2)   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.

c)      The sale of Nikko Cordial Securities to Sumitomo Mitsui Banking Corporation.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

2

CITIGROUP CONSOLIDATED BALANCE SHEET
(In millions of dollars)

																									December 31, 2009
																									vs.
	March 31,			June 30,			September 30,			December 31,			March 31,			June 30,			September 30,			December 31,			December 31, 2008
	2008			2008			2008			2008			2009			2009			2009			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		$	26,915		$	26,482		$	25,472		(13	)%
Deposits with banks	73,318			67,945			78,670			170,331			159,503			182,577			217,730			167,414			(2	)%
Fed funds sold and securities borr’d or purch under agree. to resell	239,006			220,169			225,409			184,133			179,603			179,503			197,357			222,022			21	%
Brokerage receivables	65,653			62,492			80,532			44,278			43,329			34,598			34,667			33,634			(24	)%
Trading account assets	578,437			505,439			457,462			377,635			335,222			325,037			340,697			342,773			(9	)%
Investments
Available-for-sale and non-marketable equity securities	204,154			232,527			205,730			191,561			178,046			207,135			206,074			254,592			33	%
Held-to-maturity	1			1			1			64,459			60,760			59,622			55,816			51,527			(20	)%
Total Investments	204,155			232,528			205,731			256,020			238,806			266,757			261,890			306,119			20	%
Loans, net of unearned income
Consumer	551,405			525,069			498,349			481,387			453,963			447,652			441,491			424,057			(12	)%
Corporate	238,438			221,721			218,606			212,829			203,329			194,038			180,720			167,447			(21	)%
Loans, net of unearned income	789,843			746,790			716,955			694,216			657,292			641,690			622,211			591,504			(15	)%
Allowance for loan losses	(18,257		)	(20,777		)	(24,005		)	(29,616		)	(31,703		)	(35,940		)	(36,416		)	(36,033		)	22	%
Total loans, net	771,586			726,013			692,950			664,600			625,589			605,750			585,795			555,471			(16	)%
Goodwill	43,471			42,386			39,662			27,132			26,410			25,578			25,423			25,392			(6	)%
Intangible assets (other than MSR’s)	16,229			15,608			15,118			14,159			13,612			10,098			8,957			8,714			(38	)%
Mortgage servicing rights (MSR’s)	7,716			8,934			8,346			5,657			5,481			6,770			6,228			6,530			15	%
Other assets	169,289			161,101			164,598			165,272			163,960			165,538			159,769			162,623			(2	)%
Assets related to discontinued operations held for sale	—			12,946			18,627			—			—			19,412			23,604			—			—
Total assets	$	2,199,697		$	2,100,385		$	2,050,131		$	1,938,470		$	1,822,578		$	1,848,533		$	1,888,599		$	1,856,164		(4	)%
Liabilities
Non-interest-bearing deposits in U.S. offices	$	38,683		$	43,754		$	55,222		$	55,485		$	78,008		$	77,180		$	77,460		$	71,325		29	%
Interest-bearing deposits in U.S. offices	231,381			216,798			221,895			234,491			219,910			234,250			244,856			232,093			(1	)%
Total U.S. Deposits	270,064			260,552			277,117			289,976			297,918			311,430			322,316			303,418			5	%
Non-interest-bearing deposits in offices outside the U.S.	45,230			46,765			46,348			37,412			36,602			40,389			40,606			44,904			20	%
Interest-bearing deposits in offices outside the U.S.	515,914			496,325			456,878			446,797			428,176			452,917			469,681			487,581			9	%
Total International Deposits	561,144			543,090			503,226			484,209			464,778			493,306			510,287			532,485			10	%
Total deposits	831,208			803,642			780,343			774,185			762,696			804,736			832,603			835,903			8	%
Fed funds purch and securities loaned or sold under agree. to repurch.	279,561			246,107			250,419			205,293			184,803			172,016			178,159			154,281			(25	)%
Brokerage payables	95,597			96,432			117,536			70,916			58,950			52,696			57,672			60,846			(14	)%
Trading account liabilities	201,986			188,609			168,421			165,800			128,671			117,512			130,540			137,029			(17	)%
Short-term borrowings	135,799			114,445			104,855			126,691			116,389			101,894			64,731			68,879			(46	)%
Long-term debt	424,959			417,928			393,097			359,593			337,252			348,046			379,557			364,502			1	%
Other liabilities (2)	98,277			91,846			91,663			91,970			87,890			85,091			86,384			79,751			(13	)%
Liabilities related to discontinued operations held for sale	—			456			14,273			—			—			12,374			16,004			—			—
Total liabilities	$	2,067,387		$	1,959,465		$	1,920,607		$	1,794,448		$	1,676,651		$	1,694,365		$	1,745,650		$	1,701,191		(5	)%
Equity
Stockholders’ Equity
Preferred Stock	$	19,384		$	27,424		$	27,424		$	70,664		$	74,246		$	74,301		$	312		$	312		(100	)%
Common Stock	55			57			57			57			57			57			230			286			NM
Additional paid-in capital	11,131			16,594			16,884			19,165			16,525			16,663			78,802			98,142			NM
Retained earnings	114,899			110,290			105,340			86,521			86,115			88,874			85,208			77,440			(10	)%
Treasury stock	(10,020		)	(9,911		)	(9,642		)	(9,582		)	(5,996		)	(5,950		)	(6,059		)	(4,543		)	(53	)%
Accumulated other comprehensive income (loss)	(7,381		)	(8,049		)	(14,001		)	(25,195		)	(27,013		)	(21,643		)	(17,651		)	(18,937		)	25	%
Total Common Equity	$	108,684		$	108,981		$	98,638		$	70,966		$	69,688		$	78,001		$	140,530		$	152,388		NM
Total Citigroup stockholders’ equity	$	128,068		$	136,405		$	126,062		$	141,630		$	143,934		$	152,302		$	140,842		$	152,700		8	%
Noncontrolling Minority interests (Minority Interest)	4,242			4,515			3,462			2,392			1,993			1,866			2,107			2,273			(5	)%
Total equity	132,310			140,920			129,524			144,022			145,927			154,168			142,949			154,973			8	%
Total liabilities and equity	$	2,199,697		$	2,100,385		$	2,050,131		$	1,938,470		$	1,822,578		$	1,848,533		$	1,888,599		$	1,856,164		(4	)%

(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,$1,082 million for the second quarter of 2009,  $1,074 million for the third quarter of 2009 and $1,151 million for the fourth quarter of 2009, respectively.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

3

CITIGROUP SEGMENT DETAIL NET REVENUE (In millions of dollars)

																								4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q		4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009		2009			(Decrease)		2008			2009			(Decrease)
CITICORP
Regional Consumer Banking
North America	$	2,334		$	2,111		$	1,472		$	1,847		$	2,089		$	1,761		$	1,754	$	1,642		(11	)%	$	7,764		$	7,246		(7	)%
EMEA	461			508			498			398			360			394			415		386			(3	)%	1,865			1,555			(17	)%
Latin America	2,235			2,371			2,300			1,852			1,791			1,819			1,826		1,918			4	%	8,758			7,354			(16	)%
Asia	1,944			1,891			1,839			1,613			1,531			1,631			1,680		1,774			10	%	7,287			6,616			(9	)%
Total	6,974			6,881			6,109			5,710			5,771			5,605			5,675		5,720			—		25,674			22,771			(11	)%
Securities and Banking
North America	3,592			3,507			4,018			(130		)	5,244			1,898			1,312		946			NM		10,987			9,400			(14	)%
EMEA	1,733			1,970			1,395			908			4,221			2,555			2,198		1,061			17	%	6,006			10,035			67	%
Latin America	681			722			469			497			798			1,046			703		864			74	%	2,369			3,411			44	%
Asia	1,712			1,207			1,463			1,191			2,161			1,373			680		586			(51	)%	5,573			4,800			(14	)%
Total	7,718			7,406			7,345			2,466			12,424			6,872			4,893		3,457			40	%	24,935			27,646			11	%
Transaction Services
North America	506			511			540			604			589			656			643		638			6	%	2,161			2,526			17	%
EMEA	884			947			953			893			844			860			845		840			(6	)%	3,677			3,389			(8	)%
Latin America	340			374			378			347			343			340			337		353			2	%	1,439			1,373			(5	)%
Asia	687			647			695			640			598			627			632		644			1	%	2,669			2,501			(6	)%
Total	2,417			2,479			2,566			2,484			2,374			2,483			2,457		2,475			—		9,946			9,789			(2	)%
Total Citicorp	17,109			16,766			16,020			10,660			20,569			14,960			13,025		11,652			9	%	60,555			60,206			(1	)%
CITI HOLDINGS
Brokerage and Asset Management	2,390			2,467			2,094			1,472			1,701			12,339			670		425			(71	)%	8,423			15,135			80	%
Local Consumer Lending	7,500			6,224			5,432			5,297			6,453			3,930			4,647		4,152			(22	)%	24,453			19,182			(22	)%
Special Asset Pool	(14,408		)	(6,612		)	(6,822		)	(11,732		)	(4,702		)	(519		)	1,377		162			NM		(39,574		)	(3,682		)	91	%
Total Citi Holdings	(4,518		)	2,079			704			(4,963		)	3,452			15,750			6,694		4,739			NM		(6,698		)	30,635			NM
Corporate / Other	(434		)	(1,307		)	(466		)	(51		)	500			(741		)	671		(10,986		)	NM		(2,258		)	(10,556		)	NM
Total Citigroup - Net Revenues	$	12,157		$	17,538		$	16,258		$	5,646		$	24,521		29,969			20,390		5,405			(4	)%	51,599			80,285			56	%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

4

CITIGROUP SEGMENT DETAIL INCOME (In millions of dollars)

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Income from Continuing Operations:
CITICORP
Regional Consumer Banking
North America	$	345		$	169		$	(44	)	$	(2,048	)	$	197		$	(15	)	$	163		$	9		100	%	$	(1,578	)	$	354		NM
EMEA	19			37			31			(37		)	(33		)	(110		)	(23		)	(43		)	(16	)%	50			(209		)	NM
Latin America	431			334			102			(4,215		)	169			70			29			55			NM		(3,348		)	323			NM
Asia	536			451			357			392			251			272			446			454			16	%	1,736			1,423			(18	)%
Total	1,331			991			446			(5,908		)	584			217			615			475			NM		(3,140		)	1,891			NM
Securities and Banking
North America	1,382			646			1,340			(1,093		)	2,567			3			(77		)	(76		)	93	%	2,275			2,417			6	%
EMEA	196			376			102			(18		)	2,172			746			548			(73		)	NM		656			3,393			NM
Latin America	301			325			227			195			399			522			216			375			92	%	1,048			1,512			44	%
Asia	627			306			569			471			1,056			596			68			110			(77	)%	1,973			1,830			(7	)%
Total	2,506			1,653			2,238			(445		)	6,194			1,867			755			336			NM		5,952			9,152			54	%
Transaction Services
North America	88			61			94			80			138			181			152			144			80	%	323			615			90	%
EMEA	278			299			348			321			326			350			308			303			(6	)%	1,246			1,287			3	%
Latin America	141			151			159			137			160			150			148			146			7	%	588			604			3	%
Asia	304			278			317			297			280			293			331			326			10	%	1,196			1,230			3	%
Total	811			789			918			835			904			974			939			919			10	%	3,353			3,736			11	%
Total Citicorp	4,648			3,433			3,602			(5,518		)	7,682			3,058			2,309			1,730			NM		6,165			14,779			NM
CITI HOLDINGS
Brokerage and Asset Management	(114		)	267			(57		)	(860		)	58			6,814			139			96			NM		(764		)	7,107			NM
Local Consumer Lending	125			(1,206		)	(2,285		)	(4,888		)	(1,419		)	(4,193		)	(2,099		)	(2,332		)	52	%	(8,254		)	(10,043		)	(22	)%
Special Asset Pool	(9,161		)	(4,286		)	(4,594		)	(8,953		)	(3,975		)	(1,262		)	142			(208		)	98	%	(26,994		)	(5,303		)	80	%
Total Citi Holdings	(9,150		)	(5,225		)	(6,936		)	(14,701		)	(5,336		)	1,359			(1,818		)	(2,444		)	83	%	(36,012		)	(8,239		)	77	%
Corporate / Other	(684		)	(537		)	(187		)	(774		)	(652		)	(30		)	102			(7,026		)	NM		(2,182		)	(7,606		)	NM
Income (Loss) From Continuing Operations	(5,186		)	(2,329		)	(3,521		)	(20,993		)	1,694			4,387			593			(7,740		)	63	%	(32,029		)	(1,066		)	97	%
Discontinued Operations	59			(94		)	613			3,424			(117		)	(142		)	(418		)	232					4,002			(445		)
Net Income (Loss) Attributable to Noncontrolling Minority Interests	(16		)	72			(93		)	(306		)	(16		)	(34		)	74			71					(343		)	95
Citigroup’s Net Income (Loss)	$	(5,111	)	$	(2,495	)	$	(2,815	)	$	(17,263	)	$	1,593		$	4,279		$	101		$	(7,579	)	56	%	$	(27,684	)	$	(1,606	)	94	%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

5

CITICORP STATEMENT OF INCOME AND BALANCE SHEET SUMMARY (In millions of dollars)

																						4Q09 vs.		Full			Full		FY 2009 vs.
	1Q		2Q			3Q			4Q			1Q			2Q		3Q		4Q			4Q08 Increase/		Year			Year		FY 2008 Increase/
	2008		2008			2008			2008			2009			2009		2009		2009			(Decrease)		2008			2009		(Decrease)
Revenues
Net interest revenue	$	8,030	$	8,634		$	8,316		$	8,990		$	8,187		$	8,445	$	8,435	$	8,196		(9	)%	$	33,970		$	33,263	(2	)%
Non-Interest revenue	9,079		8,132			7,704			1,670			12,382			6,515		4,590		3,456			NM		26,585			26,943		1	%
Total revenues, net of interest expense	17,109		16,766			16,020			10,660			20,569			14,960		13,025		11,652			9	%	60,555			60,206		(1	)%
Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	929		1,289			1,317			1,406			1,237			1,560		1,718		1,564			11	%	4,941			6,079		23	%
Credit Reserve Build / (Release)	474		573			799			1,373			940			1,165		465		(8		)	(101	)%	3,219			2,562		(20	)%
Provision for loan losses	1,403		1,862			2,116			2,779			2,177			2,725		2,183		1,556			(44	)%	8,160			8,641		6	%
Provision for Benefits & Claims	1		2			—			3			12			15		14		7			NM		6			48		NM
Provision for unfunded lending commitments	—		(75		)	(80		)	(36		)	32			83		—		23			NM		(191		)	138		NM
Total provisions for credit losses and for benefits and claims	1,404		1,789			2,036			2,746			2,221			2,823		2,197		1,586			(42	)%	7,975			8,827		11	%
Total operating expenses	9,326		9,900			8,948			15,359			7,197			7,849		8,181		8,498			(45	)%	43,533			31,725		(27	)%
Income (Loss) from Continuing Operations before Income Taxes	6,379		5,077			5,036			(7,445		)	11,151			4,288		2,647		1,568			NM		9,047			19,654		NM
Provision (benefits) for income taxes	1,731		1,644			1,434			(1,927		)	3,469			1,230		338		(162		)	92	%	2,882			4,875		69	%
Income (Loss) from Continuing Operations	4,648		3,433			3,602			(5,518		)	7,682			3,058		2,309		1,730			NM		6,165			14,779		NM
Net Income (Loss) attributable to noncontrolling Minority
Interests (Minority Interest)	13		21			16			(21		)	(3		)	3		25		43			NM		29			68		NM
Citicorp’s Net Income (Loss)	$	4,635	$	3,412		$	3,586		$	(5,497	)	$	7,685		$	3,055	$	2,284	$	1,687		NM		$	6,136		$	14,711	NM
Balance Sheet Data (in billions):
Total EOP Assets	$	1,225	$	1,160		$	1,158		$	1,002		$	958		$	984	$	1,014	$	1,079		8	%
Average Assets	$	1,379	$	1,307		$	1,175		$	1,162		$	1,037		$	1,003	$	1,032	$	1,066		(8	)%	$	1,256		$	1,035	(18	)%
Total EOP Deposits	$	725	$	681		$	683		$	673		$	660		$	702	$	728	$	731		9	%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

6

CITICORP REGIONAL CONSUMER BANKING Page 1 (In millions of dollars)

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Net Interest Revenue	$	3,985		$	4,220		$	4,224		$	3,801		$	3,613		$	3,903		$	3,992		$	4,016		6	%	$	16,230		$	15,524		(4	)%
Non-Interest Revenue	2,989			2,661			1,885			1,909			2,158			1,702			1,683			1,704			(11	)%	9,444			7,247			(23	)%
Total Revenues, Net of Interest Expense (1)	6,974			6,881			6,109			5,710			5,771			5,605			5,675			5,720			—		25,674			22,771			(11	)%
Total Operating Expenses	3,782			4,194			4,029			10,573			3,306			3,491			3,547			3,813			(64	)%	22,578			14,157			(37	)%
Net Credit Losses	863			981			1,096			1,084			1,160			1,392			1,426			1,378			27	%	4,024			5,356			33	%
Credit Reserve Build / (Release)	450			382			514			724			664			592			319			130			(82	)%	2,070			1,705			(18	)%
Provision for Benefits & Claims	1			2			—			3			12			15			14			7			NM		6			48			NM
Provision for Loan Losses and for Benefits and Claims	1,314			1,365			1,610			1,811			1,836			1,999			1,759			1,515			(16	)%	6,100			7,109			17	%
Income (loss) from Continuing Operations before Taxes	1,878			1,322			470			(6,674		)	629			115			369			392			NM		(3,004		)	1,505			NM
Income Taxes (benefits)	547			331			24			(766		)	45			(102		)	(246		)	(83		)	89	%	136			(386		)	NM
Income (loss) from Continuing Operations	1,331			991			446			(5,908		)	584			217			615			475			NM		(3,140		)	1,891			NM
Net Income (loss) Attributable to Minority Interests	1			4			5			1			—			—			2			(2		)	NM		11			—			(100	)%
Net Income (Loss)	$	1,330		$	987		$	441		$	(5,909	)	$	584		$	217		$	613		$	477		NM		$	(3,151	)	$	1,891		NM
Average Assets (in billions of dollars)	$	223		$	230		$	222		$	199		$	182		$	191		$	201		$	209		5	%	$	219		$	196		(11	)%
Return on Assets	2.40		%	1.73		%	0.79		%	(11.81		)%	1.30		%	0.46		%	1.21		%	0.91		%			(1.44		)%	0.96		%
Net Credit Losses as a % of Average Loans	2.65		%	2.99		%	3.35		%	3.65		%	4.08		%	4.78		%	4.70		%	4.34		%
Revenue by Business
Retail Banking	$	3,451		$	3,577		$	3,531		$	3,141		$	2,955		$	3,193		$	3,315		$	3,336		6	%	$	13,700		$	12,799		(7	)%
Citi-Branded Cards	3,523			3,304			2,578			2,569			2,816			2,412			2,360			2,384			(7	)%	11,974			9,972			(17	)%
Total GAAP Revenues	6,974			6,881			6,109			5,710			5,771			5,605			5,675			5,720			—		25,674			22,771			(11	)%
Net Impact of Credit Card Securitization Activity (2), (3)	964			1,247			1,892			1,602			1,484			1,644			1,800			1,744			9	%	5,705			6,672			17	%
Total Managed Revenues	$	7,938		$	8,128		$	8,001		$	7,312		$	7,255		$	7,249		$	7,475		$	7,464		2	%	$	31,379		$	29,443		(6	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	700		$	563		$	563		$	(5,791	)	$	443		$	428		$	609		$	526		NM		$	(3,965	)	$	2,006		NM
Citi-Branded Cards	631			428			(117		)	(117		)	141			(211		)	6			(51		)	56	%	825			(115		)	NM
Total	$	1,331		$	991		$	446		$	(5,908	)	$	584		$	217		$	615		$	475		NM		$	(3,140	)	$	1,891		NM

(1)	For Citi-Branded Cards, the first quarter of 2008, the second quarter of 2008, and the fourth quarter of 2009 include releases of $28 million, $21 million and $55 million, respectively, from the allowance for credit losses related to loan receivables that were securitized during the quarter.
(2)	Managed-basis (Managed) presentations detail certain non-GAAP financial measures. Managed presentations (applicable only to North American credit card operations, as securitizations are not done in any other regions) include results from both the on-balance sheet loans and off- balance sheet loans, and exclude the impact of card securitization activity. Managed presentations assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as Citigroup’s owned loans. Citigroup believes that Managed presentations are useful to investors because they are widely used by analysts and investors within the credit card industry. Managed presentations are commonly used by other companies within the financial services industry.
	See pages 37 - 39 for a further discussion of the Managed presentations and a reconciliation of these measures to their most comparable GAAP measure.
(3)	Net impact of Credit Card 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.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

7

CITICORP
REGIONAL CONSUMER BANKING
Page 2

																									4Q09 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)
Retail Banking Key Indicators (in billions of dollars, except branches)
Branches	4,328			4,308			4,255			4,229			4,104			4,091			4,182			4,193			(1	)%
Accounts (in millions)	50.1			50.7			50.9			50.1			50.1			49.7			49.4			48.6			(3	)%
Average Deposits	$	273.8		$	272.4		$	266.0		$	254.9		$	253.4		$	268.3		$	275.1		$	288.3		13	%
Investment Sales (International Only)	$	25.5		$	25.7		$	23.0		$	16.5		$	15.3		$	25.0		$	22.9		$	21.6		31	%
Investment AUMs	$	144.0		$	145.0		$	127.4		$	101.1		$	93.5		$	107.2		$	114.7		$	117.3		16	%
Average Loans	$	81.6		$	83.9		$	83.2		$	74.8		$	72.3		$	74.8		$	77.7		$	80.6		8	%
EOP Loans	$	82.1		$	83.6		$	80.2		$	76.0		$	72.6		$	75.5		$	80.0		$	80.7		6	%
Net Interest Revenue as a % of Average Loans (1)	11.05		%	11.37		%	11.60		%	12.04		%	11.73		%	12.09		%	12.04		%	11.68		%
Net Credit Losses as a % of Average Loans	1.11		%	1.34		%	1.51		%	1.78		%	1.92		%	2.22		%	1.93		%	1.96		%
Loans 90+ Days Past Due	$	621		$	647		$	616		$	584		$	692		$	831		$	749		$	789		35	%
As a % of EOP Loans	0.76		%	0.77		%	0.77		%	0.77		%	0.96		%	1.10		%	0.94		%	0.98		%
Loans 30-89 Days Past Due	$	1,032		$	1,053		$	999		$	1,111		$	1,092		$	1,068		$	1,002		$	1,011		(9	)%
As a % of EOP Loans	1.25		%	1.26		%	1.24		%	1.46		%	1.51		%	1.41		%	1.25		%	1.25		%
Citi-Branded Cards Key Indicators (in billions of dollars) (2)
EOP Open Accounts (in millions)	62.0			61.6			61.1			57.7			57.2			55.8			54.6			53.1			(8	)%
Purchase Sales	$	73.6		$	78.3		$	75.5		$	69.1		$	59.6		$	63.6		$	65.5		$	67.6		(2	)%
Average Managed Loans	$	118.1		$	119.2		$	118.4		$	113.5		$	110.6		$	110.8		$	112.7		$	114.2		1	%
EOP Managed Loans	$	118.0		$	119.7		$	117.5		$	115.0		$	109.0		$	112.8		$	115.1		$	115.6		1	%
Managed Average Yield (3)	14.04		%	14.14		%	14.29		%	13.98		%	14.67		%	14.43		%	14.36		%	13.89		%
Managed Net Interest Revenue as a % of Avg. Managed Loans (4)	10.49		%	11.20		%	11.28		%	11.00		%	12.31		%	11.98		%	11.64		%	11.14		%
Managed Net Credit Losses as a % of Average Managed Loans	5.17		%	5.89		%	6.39		%	7.02		%	8.53		%	10.18		%	10.29		%	9.40		%
Managed Net Credit Margin as a % of Avg. Managed Loans (5)	10.08		%	9.44		%	8.59		%	7.56		%	7.18		%	4.43		%	4.30		%	4.91		%
Managed Loans 90+ Days Past Due	$	2,196		$	2,347		$	2,407		$	2,669		$	3,011		$	3,285		$	2,971		$	3,048		14	%
As a % of EOP Managed Loans	1.86		%	1.96		%	2.05		%	2.32		%	2.76		%	2.91		%	2.58		%	2.64		%
Managed Loans 30-89 Days Past Due	$	2,680		$	2,808		$	2,961		$	3,227		$	3,437		$	3,154		$	3,227		$	3,139		(3	)%
As a % of EOP Managed Loans	2.27		%	2.35		%	2.52		%	2.81		%	3.15		%	2.80		%	2.80		%	2.71		%

(1)	Also includes Net Interest Revenue related to the region’s deposit balances in excess of the average loan portfolio.
(2)	Managed-basis (Managed) presentations detail certain non-GAAP financial measures. Managed presentations (applicable only to North American credit card operations, as securitizations are not done in any other regions) include results from both the on-balance sheet loans and off- balance sheet loans, and exclude the impact of card securitization activity. Managed presentations assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as Citigroup’s owned loans. Citigroup believes that Managed presentations are useful to investors because they are widely used by analysts and investors within the credit card industry. Managed presentations are commonly used by other companies within the financial services industry.
	See pages 37 - 39 for a further discussion of the Managed presentations and a reconciliation of these measures to their most comparable GAAP measure.
(3)	Managed Average Yield is gross interest revenue earned divided by average managed loans.
(4)	Managed Net Interest Revenue includes certain fees that are recorded as interest revenue.
(5)	Managed Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

8

CITICORP
REGIONAL CONSUMER BANKING
NORTH AMERICA
Page 1
(In millions of dollars)

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Net Interest Revenue	$	808		$	887		$	978		$	989		$	1,020		$	1,150		$	1,224		$	1,165		18	%	$	3,662		$	4,559		24	%
Non-Interest Revenue	1,526			1,224			494			858			1,069			611			530			477			(44	)%	4,102			2,687			(34	)%
Total Revenues, Net of Interest Expense (1)	2,334			2,111			1,472			1,847			2,089			1,761			1,754			1,642			(11	)%	7,764			7,246			(7	)%
Total Operating Expenses	1,473			1,590			1,444			3,881			1,355			1,337			1,331			1,336			(66	)%	8,388			5,359			(36	)%
Net Credit Losses	145			136			144			190			258			305			280			308			62	%	615			1,151			87	%
Credit Reserve Build / (Release)	169			126			(9		)	177			242			130			30			44			(75	)%	463			446			(4	)%
Provision for Benefits & Claims	—			2			—			3			12			15			14			7			NM		5			48			NM
Provision for Loan Losses and for Benefits and Claims	314			264			135			370			512			450			324			359			(3	)%	1,083			1,645			52	%
Income (loss) from Continuing Operations before Taxes	547			257			(107		)	(2,404		)	222			(26		)	99			(53		)	98	%	(1,707		)	242			NM
Income Taxes (benefits)	202			88			(63		)	(356		)	25			(11		)	(64		)	(62		)	83	%	(129		)	(112		)	13	%
Income (loss) from Continuing Operations	345			169			(44		)	(2,048		)	197			(15		)	163			9			100	%	(1,578		)	354			NM
Net Income (loss) Attributable to Minority Interests	—			—			—			—			—			—			—			—			—		—			—			—
Net Income (Loss)	$	345		$	169		$	(44	)	$	(2,048	)	$	197		$	(15	)	$	163		$	9		100	%	$	(1,578	)	$	354		NM
Average Assets (in billions of dollars)	$	40		$	38		$	32		$	32		$	32		$	33		$	37		$	35		9	%	$	36		$	34		(6	)%
Return on Assets	3.47		%	1.79		%	(0.55		)%	(25.46		)%	2.50		%	(0.18		)%	1.75		%	0.10		%			(4.38		)%	1.04		%
Net Credit Losses as a % of Average Loans	3.31		%	3.44		%	3.51		%	4.11		%	5.01		%	6.47		%	5.94		%	6.05		%
Revenue by Business
Retail Banking	$	850		$	952		$	1,004		$	964		$	882		$	955		$	1,070		$	1,000		4	%	$	3,770		$	3,907		4	%
Citi-Branded Cards	1,484			1,159			468			883			1,207			806			684			642			(27	)%	3,994			3,339			(16	)%
Total GAAP Revenues	2,334			2,111			1,472			1,847			2,089			1,761			1,754			1,642			(11	)%	7,764			7,246			(7	)%
Net Impact of Credit Card Securitization Activity (2), (3)	964			1,247			1,892			1,602			1,484			1,644			1,800			1,744			9	%	5,705			6,672			17	%
Total Managed Revenues	$	3,298		$	3,358		$	3,364		$	3,449		$	3,573		$	3,405		$	3,554		$	3,386		(2	)%	$	13,469		$	13,918		3	%
Income (loss) from Continuing Operations by Business
Retail Banking	$	2		$	60		$	143		$	(1,993	)	$	81		$	88		$	150		$	110		NM		$	(1,788	)	$	429		NM
Citi-Branded Cards	343			109			(187		)	(55		)	116			(103		)	13			(101		)	(84	)%	210			(75		)	NM
Total	$	345		$	169		$	(44	)	$	(2,048	)	$	197		$	(15	)	$	163		$	9		100	%	$	(1,578	)	$	354		NM

(1)	For Citi-Branded Cards, the first and second quarters of 2008 include releases of $28 million and $21 million, respectively, from the allowance for credit losses related to loan receivables that were securitized during the quarter.
(2)	Managed-basis (Managed) presentations detail certain non-GAAP financial measures. Managed presentations (applicable only to North American credit card operations, as securitizations are not done in any other regions) include results from both the on-balance sheet loans and off- balance sheet loans, and exclude the impact of card securitization activity. Managed presentations assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as Citigroup’s owned loans. Citigroup believes that Managed presentations are useful to investors because they are widely used by analysts and investors within the credit card industry. Managed presentations are commonly used by other companies within the financial services industry.
	See pages 37 - 39 for a further discussion of the Managed presentations and a reconciliation of these measures to their most comparable GAAP measure.
(3)	Net impact of Credit Card 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.
	See pages 37 - 39 for a further discussion of the Managed presentations and a reconciliation of these measures to their most comparable GAAP measure.

Reclassified to conform to the current period’s presentation.

9

CITICORP
REGIONAL CONSUMER BANKING
NORTH AMERICA
Page 2  

																									4Q09 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)
Retail Banking Key Indicators (in billions of dollars, except branches)
Branches	1,051			1,030			1,010			1,015			1,000			1,001			1,002			1,003			(1	)%
Accounts (in millions)	11.8			11.7			11.6			11.6			11.9			12.0			12.0			12.0			3	%
Investment AUMs	$	42.3		$	41.3		$	38.7		$	32.3		$	30.3		$	31.8		$	34.1		$	33.4		3	%
Average Deposits	$	122.5		$	121.6		$	120.6		$	125.5		$	127.9		$	135.7		$	138.5		$	145.9		16	%
Average Loans	$	2.3		$	3.4		$	4.5		$	6.0		$	6.9		$	7.2		$	7.4		$	7.3		22	%
EOP Loans	$	2.5		$	3.7		$	4.9		$	6.5		$	7.0		$	7.2		$	7.5		$	7.2		11	%
Net Interest Revenue as a % of Avg. Loans	7.36		%	5.77		%	4.48		%	4.53		%	3.90		%	4.23		%	4.73		%	4.84		%
Net Credit Losses as a % of Avg. Loans	4.31		%	3.11		%	3.03		%	3.83		%	3.26		%	4.85		%	4.23		%	4.84		%
Loans 90+ Days Past Due	$	37		$	54		$	54		$	84		$	99		$	97		$	93		$	107		27	%
As a % of EOP Loans	1.48		%	1.47		%	1.10		%	1.29		%	1.41		%	1.35		%	1.24		%	1.49		%
Loans 30-89 Days Past Due	$	51		$	73		$	58		$	100		$	93		$	87		$	80		$	82		(18	)%
As a % of EOP Loans	2.04		%	1.97		%	1.18		%	1.54		%	1.33		%	1.21		%	1.07		%	1.14		%
Citi-Branded Cards Key Indicators (in billions of dollars) (1)
EOP Open Accounts (in millions)	30.7			30.0			29.2			26.1			25.6			25.0			24.5			23.1			(11	)%
Purchase Sales	$	48.4		$	51.6		$	49.4		$	46.0		$	40.1		$	42.4		$	42.3		$	41.8		(9	)%
Average Managed Loans
Securitized	$	68.8		$	71.2		$	71.3		$	70.2		$	67.5		$	68.7		$	69.9		$	68.8		(2	)%
On Balance Sheet	15.3			12.5			11.8			12.4			14.0			11.7			11.3			12.9			4	%
Total	$	84.1		$	83.7		$	83.1		$	82.6		$	81.5		$	80.4		$	81.2		$	81.7		(1	)%
EOP Managed Loans
Securitized	$	70.8		$	71.7		$	71.1		$	69.5		$	68.3		$	70.7		$	70.8		$	71.6		3	%
On Balance Sheet	12.9			11.6			12.6			14.3			12.0			11.2			12.4			11.1			(22	)%
Total	$	83.7		$	83.3		$	83.7		$	83.8		$	80.3		$	81.9		$	83.2		$	82.7		(1	)%
Managed Average Yield (2)	11.38		%	11.09		%	11.55		%	11.91		%	13.09		%	12.78		%	12.86		%	12.26		%
Managed Net Interest Revenue as a % of Avg. Managed Loans (3)	7.70		%	8.12		%	8.64		%	9.03		%	11.03		%	10.51		%	10.13		%	9.53		%
Managed Net Credit Losses	$	1,001		$	1,152		$	1,232		$	1,386		$	1,692		$	2,056		$	2,077		$	1,947		40	%
Managed Net Credit Losses as a % of Average Managed Loans	4.79		%	5.54		%	5.90		%	6.68		%	8.42		%	10.26		%	10.15		%	9.45		%
Managed Net Credit Margin as a % of Avg. Managed Loans (4)	6.88		%	5.96		%	5.35		%	5.22		%	4.91		%	1.89		%	1.92		%	2.10		%
Managed Loans 90+ Days Past Due	$	1,379		$	1,423		$	1,507		$	1,806		$	2,091		$	2,146		$	1,971		$	2,140		18	%
As a % of EOP Managed Loans	1.65		%	1.71		%	1.80		%	2.16		%	2.60		%	2.62		%	2.37		%	2.59		%
Managed Loans 30-89 Days Past Due	$	1,518		$	1,514		$	1,748		$	2,048		$	2,204		$	1,909		$	2,084		$	2,076		1	%
As a % of EOP Managed Loans	1.81		%	1.82		%	2.09		%	2.44		%	2.74		%	2.33		%	2.50		%	2.51		%

(1)	Managed-basis (Managed) presentations detail certain non-GAAP financial measures. Managed presentations (applicable only to North American credit card operations, as securitizations are not done in any other regions) include results from both the on-balance sheet loans and off- balance sheet loans, and exclude the impact of card securitization activity.  Managed presentations assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as Citigroup’s owned loans. Citigroup believes that Managed presentations are useful to investors because they are widely used by analysts and investors within the credit card industry. Managed presentations are commonly used by other companies within the financial services industry.
	See pages 37 - 39 for a further discussion of the Managed presentations and a reconciliation of these measures to their most comparable GAAP measure.
(2)	Managed Average Yield is gross interest revenue earned divided by average managed loans.
(3)	Managed Net Interest Revenue includes certain fees that are recorded as interest revenue.
(4)	Managed Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.
NM Not meaningful
Reclassified to conform to the current period’s presentation.

10

CITICORP
REGIONAL CONSUMER BANKING
EMEA
PAGE 1
(In millions of dollars)  

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Net Interest Revenue	$	299		$	335		$	350		$	285		$	224		$	243		$	262		$	250		(12	)%	$	1,269		$	979		(23	)%
Non-Interest Revenue	162			173			148			113			136			151			153			136			20	%	596			576			(3	)%
Total Revenues, Net of Interest Expense	461			508			498			398			360			394			415			386			(3	)%	1,865			1,555			(17	)%
Total Operating Expenses	375			395			372			358			256			282			270			286			(20	)%	1,500			1,094			(27	)%
Net Credit Losses	47			48			55			87			89			121			139			138			59	%	237			487			NM
Credit Reserve Build / (Release)	16			15			33			11			72			158			67			10			(9	)%	75			307			NM
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Loan Losses and for Benefits and Claims	63			63			88			98			161			279			206			148			51	%	312			794			NM
Income (loss) from Continuing Operations before Taxes	23			50			38			(58		)	(57		)	(167		)	(61		)	(48		)	17	%	53			(333		)	NM
Income Taxes (benefits)	4			13			7			(21		)	(24		)	(57		)	(38		)	(5		)	76	%	3			(124		)	NM
Income (loss) from Continuing Operations	19			37			31			(37		)	(33		)	(110		)	(23		)	(43		)	(16	)%	50			(209		)	NM
Net Income (loss) Attributable to Minority Interests	2			4			5			1			—			—			2			(2		)	NM		12			—			(100	)%
Net Income (Loss)	$	17		$	33		$	26		$	(38	)	$	(33	)	$	(110	)	$	(25	)	$	(41	)	(8	)%	$	38		$	(209	)	NM
Average Assets (in billions of dollars)	$	13		$	14		$	14		$	11		$	11		$	11		$	11		$	11		—		$	13		$	11		(15	)%
Return on Assets	0.53		%	0.95		%	0.74		%	(1.37		)%	(1.22		)%	(4.01		)%	(0.90		)%	(1.48		)%			0.29		%	(1.90		)%
Net Credit Losses as a % of Average Loans	2.03		%	1.91		%	2.10		%	4.12		%	4.57		%	5.78		%	6.34		%	6.44		%
Revenue by Business
Retail Banking	$	296		$	325		$	310		$	229		$	205		$	234		$	237		$	213		(7	)%	$	1,160		$	889		(23	)%
Citi-Branded Cards	165			183			188			169			155			160			178			173			2	%	705			666			(6	)%
Total	$	461		$	508		$	498		$	398		$	360		$	394		$	415		$	386		(3	)%	$	1,865		$	1,555		(17	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	(8	)	$	6		$	(2	)	$	(53	)	$	(41	)	$	(76	)	$	(23	)	$	(39	)	26	%	$	(57	)	$	(179	)	NM
Citi-Branded Cards	27			31			33			16			8			(34		)	—			(4		)	NM		107			(30		)	NM
Total	$	19		$	37		$	31		$	(37	)	$	(33	)	$	(110	)	$	(23	)	$	(43	)	(16	)%	$	50		$	(209	)	NM

NM Not meaningful

Reclassified to conform to the current period’s presentation.

11

CITICORPREGIONAL CONSUMER BANKINGEMEA
PAGE 2

																									4Q09 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)
Retail Banking Key Indicators (in billions of dollars, except branches)
Branches	450			446			455			446			401			396			389			341			(24	)%
Accounts (in millions)	4.0			4.1			4.2			4.2			4.2			4.2			4.2			4.2			—
Average Deposits	$	11.2		$	11.8		$	11.3		$	9.0		$	8.3		$	9.0		$	9.5		$	9.9		10	%
Investment Sales	$	0.9		$	0.8		$	0.7		$	0.3		$	0.4		$	0.5		$	0.5		$	0.6		100	%
Investment AUMs	$	6.6		$	6.6		$	5.6		$	4.0		$	3.5		$	4.5		$	4.2		$	4.3		8	%
Average Loans	$	6.7		$	7.2		$	7.3		$	5.7		$	5.4		$	5.6		$	5.7		$	5.5		(4	)%
EOP Loans	$	6.9		$	7.5		$	7.2		$	6.3		$	5.5		$	5.7		$	5.7		$	5.2		(17	)%
Net Interest Revenue as a % of Average Loans (1)	10.50		%	10.99		%	11.14		%	11.04		%	9.26		%	9.78		%	9.77		%	8.87		%
Net Credit Losses as a % of Average Loans	1.80		%	1.70		%	1.99		%	4.41		%	4.50		%	5.34		%	5.84		%	5.99		%
Loans 90+ Days Past Due	$	33		$	46		$	35		$	47		$	58		$	70		$	62		$	60		28	%
As a % of EOP Loans	0.48		%	0.61		%	0.48		%	0.75		%	1.06		%	1.23		%	1.09		%	1.15		%
Loans 30-89 Days Past Due	$	136		$	152		$	165		$	194		$	213		$	235		$	230		$	203		5	%
As a % of EOP Loans	1.97		%	2.03		%	2.29		%	3.08		%	3.87		%	4.12		%	4.04		%	3.90		%
Citi-Branded Cards Key Indicators (in billions of dollars)
EOP Open Accounts (in millions)	2.5			2.6			2.7			2.8			2.8			2.8			2.7			2.7			(4	)%
Purchase Sales	$	2.3		$	2.6		$	2.7		$	2.3		$	1.8		$	1.9		$	2.2		$	2.5		9	%
Average Loans	$	2.6		$	2.9		$	3.1		$	2.7		$	2.5		$	2.8		$	3.0		$	3.0		11	%
EOP Loans	$	2.7		$	3.1		$	3.1		$	2.8		$	2.5		$	2.8		$	3.0		$	3.0		7	%
Average Yield (2)	20.70		%	19.70		%	19.30		%	19.45		%	19.67		%	20.35		%	21.07		%	21.03		%
Net Interest Revenue as a % of Avg. Loans (3)	19.16		%	19.14		%	18.76		%	18.25		%	16.09		%	15.20		%	16.51		%	16.80		%
Net Credit Losses as a % of Average Loans	2.61		%	2.47		%	2.45		%	3.43		%	4.62		%	6.70		%	7.43		%	7.14		%
Net Credit Margin as a % of Avg. Loans (4)	22.94		%	22.92		%	21.82		%	21.07		%	20.23		%	16.23		%	16.36		%	15.74		%
Loans 90+ Days Past Due	$	20		$	19		$	35		$	36		$	56		$	94		$	85		$	80		NM
As a % of EOP Loans	0.75		%	0.61		%	1.12		%	1.28		%	2.22		%	3.35		%	2.83		%	2.67		%
Loans 30-89 Days Past Due	$	80		$	90		$	98		$	118		$	126		$	141		$	150		$	135		14	%
As a % of EOP Loans	2.96		%	2.90		%	3.16		%	4.21		%	5.04		%	5.04		%	5.00		%	4.50		%

(1)  Also includes Net Interest Revenue related to the region’s deposit balances in excess of the average loan portfolio.

(2)  Average Yield is gross interest revenue earned divided by average loans.

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

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

Reclassified to conform to the current period’s presentation.

12

CITICORPREGIONAL CONSUMER BANKINGLATIN AMERICAPAGE 1
(In millions of dollars)

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Net Interest Revenue	$	1,636		$	1,741		$	1,669		$	1,345		$	1,251		$	1,350		$	1,339		$	1,363		1	%	$	6,391		$	5,303		(17	)%
Non-Interest Revenue	599			630			631			507			540			469			487			555			9	%	2,367			2,051			(13	)%
Total Revenues, Net of Interest Expense	2,235			2,371			2,300			1,852			1,791			1,819			1,826			1,918			4	%	8,758			7,354			(16	)%
Total Operating Expenses	945			1,238			1,292			5,382			911			1,039			1,077			1,205			(78	)%	8,857			4,232			(52	)%
Net Credit Losses	466			555			640			544			541			612			656			626			15	%	2,205			2,435			10	%
Credit Reserve Build / (Release)	237			157			301			421			166			154			141			(3		)	(101	)%	1,116			458			(59	)%
Provision for Benefits & Claims	1			—			—			—			—			—			—			—			—		1			—			(100	)%
Provision for Loan Losses and for Benefits and Claims	704			712			941			965			707			766			797			623			(35	)%	3,322			2,893			(13	)%
Income (loss) from Continuing Operations before Taxes	586			421			67			(4,495		)	173			14			(48		)	90			NM		(3,421		)	229			NM
Income Taxes (benefits)	155			87			(35		)	(280		)	4			(56		)	(77		)	35			NM		(73		)	(94		)	(29	)%
Income (loss) from Continuing Operations	431			334			102			(4,215		)	169			70			29			55			NM		(3,348		)	323			NM
Net Income (loss) Attributable to Minority Interests	—			—			—			—			—			—			—			—			—		—			—			—
Net Income (Loss)	$	431		$	334		$	102		$	(4,215	)	$	169		$	70		$	29		$	55		NM		$	(3,348	)	$	323		NM
Average Assets (in billions of dollars)	$	74		$	80		$	81		$	69		$	56		$	61		$	61		$	65		(6	)%	$	76		$	61		(20	)%
Return on Assets	2.34		%	1.68		%	0.50		%	(24.30		)%	1.22		%	0.46		%	0.19		%	0.34		%			(4.41		)%	0.53		%
Net Credit Losses as a % of Average Loans	6.09		%	6.91		%	7.79		%	7.73		%	8.31		%	8.83		%	9.04		%	8.25		%
Revenue by Business
Retail Banking	$	1,053		$	1,060		$	1,067		$	917		$	893		$	981		$	969		$	1,029		12	%	$	4,097		$	3,872		(5	)%
Citi-Branded Cards	1,182			1,311			1,233			935			898			838			857			889			(5	)%	4,661			3,482			(25	)%
Total	$	2,235		$	2,371		$	2,300		$	1,852		$	1,791		$	1,819		$	1,826		$	1,918		4	%	$	8,758		$	7,354		(16	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	312		$	149		$	112		$	(4,073	)	$	180		$	150		$	106		$	111		NM		$	(3,500	)	$	547		NM
Citi-Branded Cards	119			185			(10		)	(142		)	(11		)	(80		)	(77		)	(56		)	61	%	152			(224		)	NM
Total	$	431		$	334		$	102		$	(4,215	)	$	169		$	70		$	29		$	55		NM		$	(3,348	)	$	323		NM

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

13

CITICORP
REGIONAL CONSUMER BANKING
LATIN AMERICA
PAGE 2

																									4Q09 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)
Retail Banking Key Indicators (in billions of dollars, except branches)
Branches	2,196			2,201			2,155			2,128			2,065			2,066			2,163			2,216			4	%
Accounts (in millions)	17.3			17.8			17.8			17.5			17.2			17.1			17.1			16.6			(5	)%
Average Deposits	$	41.9		$	41.9		$	41.5		$	35.6		$	34.1		$	36.0		$	35.8		$	37.9		6	%
Investment Sales	$	14.6		$	15.4		$	16.2		$	13.4		$	11.5		$	18.3		$	15.0		$	12.8		(4	)%
Investment AUMs	$	40.8		$	44.0		$	38.2		$	29.0		$	26.7		$	32.8		$	35.1		$	34.8		20	%
Average Loans	$	16.5		$	17.3		$	17.8		$	15.9		$	15.3		$	16.3		$	16.9		$	18.0		13	%
EOP Loans	$	16.3		$	17.3		$	17.1		$	15.7		$	15.4		$	16.5		$	17.7		$	18.2		16	%
Net Interest Revenue as a % of Average Loans (1)	17.87		%	16.34		%	15.85		%	15.64		%	16.33		%	16.78		%	15.70		%	15.47		%
Net Credit Losses as a % of Average Loans	2.44		%	2.98		%	3.29		%	2.83		%	2.97		%	3.43		%	2.65		%	3.31		%
Loans 90+ Days Past Due	$	331		$	310		$	323		$	239		$	280		$	360		$	324		$	382		60	%
As a % of EOP Loans	2.03		%	1.79		%	1.89		%	1.52		%	1.82		%	2.18		%	1.83		%	2.10		%
Loans 30-89 Days Past Due	$	326		$	349		$	332		$	261		$	290		$	322		$	299		$	300		15	%
As a % of EOP Loans	2.00		%	2.02		%	1.94		%	1.66		%	1.88		%	1.95		%	1.69		%	1.65		%
Citi-Branded Cards Key Indicators (in billions of dollars)
EOP Open Accounts (in millions)	13.0			13.1			13.1			12.9			12.9			12.5			12.3			12.2			(5	)%
Purchase Sales	$	8.2		$	8.8		$	8.5		$	7.1		$	5.9		$	6.5		$	7.2		$	8.1		14	%
Average Loans	$	14.3		$	15.0		$	14.9		$	12.1		$	11.1		$	11.5		$	11.9		$	12.1		—
EOP Loans	$	14.5		$	15.4		$	14.0		$	11.8		$	11.0		$	11.8		$	11.9		$	12.2		3	%
Average Yield (2)	28.62		%	30.58		%	29.25		%	27.40		%	26.47		%	25.48		%	24.54		%	24.17		%
Net Interest Revenue as a % of Avg. Loans (3)	25.40		%	27.83		%	25.63		%	23.67		%	23.24		%	22.95		%	22.25		%	21.67		%
Net Credit Losses as a % of Average Loans	10.29		%	11.42		%	13.16		%	14.14		%	15.67		%	16.22		%	18.05		%	15.61		%
Net Credit Margin as a % of Avg. Loans (4)	22.92		%	23.70		%	19.73		%	16.64		%	17.14		%	12.56		%	10.41		%	13.51		%
Loans 90+ Days Past Due	$	542		$	631		$	603		$	566		$	554		$	695		$	600		$	555		(2	)%
As a % of EOP Loans	3.74		%	4.10		%	4.31		%	4.80		%	5.04		%	5.89		%	5.04		%	4.55		%
Loans 30-89 Days Past Due	$	692		$	782		$	739		$	636		$	681		$	683		$	595		$	558		(12	)%
As a % of EOP Loans	4.77		%	5.08		%	5.28		%	5.39		%	6.19		%	5.79		%	5.00		%	4.57		%

(1)             Also includes Net Interest Revenue related to the region’s deposit balances in excess of the average loan portfolio.

(2)             Average Yield is gross interest revenue earned divided by average loans.

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

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

Reclassified to conform to the current period’s presentation.

14

CITICORP
REGIONAL CONSUMER BANKING
ASIA
PAGE 1
(In millions of dollars)

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Net Interest Revenue	$	1,242		$	1,257		$	1,227		$	1,182		$	1,118		$	1,160		$	1,167		$	1,238		5	%	$	4,908		$	4,683		(5	)%
Non-Interest Revenue	702			634			612			431			413			471			513			536			24	%	2,379			1,933			(19	)%
Total Revenues, Net of Interest Expense	1,944			1,891			1,839			1,613			1,531			1,631			1,680			1,774			10	%	7,287			6,616			(9	)%
Total Operating Expenses	989			971			921			952			784			833			869			986			4	%	3,833			3,472			(9	)%
Net Credit Losses	205			242			257			263			272			354			351			306			16	%	967			1,283			33	%
Credit Reserve Build / (Release)	28			84			189			115			184			150			81			79			(31	)%	416			494			19	%
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Loan Losses and for Benefits and Claims	233			326			446			378			456			504			432			385			2	%	1,383			1,777			28	%
Income (loss) from Continuing Operations before Taxes	722			594			472			283			291			294			379			403			42	%	2,071			1,367			(34	)%
Income Taxes (benefits)	186			143			115			(109		)	40			22			(67		)	(51		)	53	%	335			(56		)	NM
Income (loss) from Continuing Operations	536			451			357			392			251			272			446			454			16	%	1,736			1,423			(18	)%
Net Income (loss) Attributable to Minority Interests	(1		)	—			—			—			—			—			—			—			—		(1		)	—			100	%
Net Income (Loss)	$	537		$	451		$	357		$	392		$	251		$	272		$	446		$	454		16	%	$	1,737		$	1,423		(18	)%
Average Assets (in billions of dollars)	$	96		$	98		$	95		$	87		$	83		$	86		$	92		$	98		13	%	$	94		$	90		(4	)%
Return on Assets	2.25		%	1.85		%	1.49		%	1.79		%	1.23		%	1.27		%	1.92		%	1.84		%			1.85		%	1.58		%
Net Credit Losses as a % of Average Loans	1.13		%	1.32		%	1.44		%	1.66		%	1.83		%	2.30		%	2.17		%	1.80		%
Revenue by Business
Retail Banking	$	1,252		$	1,240		$	1,150		$	1,031		$	975		$	1,023		$	1,039		$	1,094		6	%	$	4,673		$	4,131		(12	)%
Citi-Branded Cards	692			651			689			582			556			608			641			680			17	%	2,614			2,485			(5	)%
Total	$	1,944		$	1,891		$	1,839		$	1,613		$	1,531		$	1,631		$	1,680		$	1,774		10	%	$	7,287		$	6,616		(9	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	394		$	348		$	310		$	328		$	223		$	266		$	376		$	344		5	%	$	1,380		$	1,209		(12	)%
Citi-Branded Cards	142			103			47			64			28			6			70			110			72	%	356			214			(40	)%
Total	$	536		$	451		$	357		$	392		$	251		$	272		$	446		$	454		16	%	$	1,736		$	1,423		(18	)%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

15

CITICORP REGIONAL CONSUMER BANKING ASIA PAGE 2

																									4Q09 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)
Retail Banking Key Indicators (in billions of dollars, except branches)
Branches	631			631			635			640			638			628			628			633			(1	)%
Accounts (in millions)	17.0			17.1			17.3			16.8			16.8			16.4			16.1			15.8			(6	)%
Average Deposits	$	98.2		$	97.1		$	92.6		$	84.8		$	83.1		$	87.6		$	91.3		$	94.6		12	%
Investment Sales	$	10.0		$	9.5		$	6.1		$	2.8		$	3.4		$	6.2		$	7.4		$	8.2		NM
Investment AUMs	$	54.3		$	53.1		$	44.9		$	35.8		$	33.0		$	38.1		$	41.3		$	44.8		25	%
Average Loans	$	56.1		$	56.0		$	53.6		$	47.2		$	44.7		$	45.7		$	47.7		$	49.8		6	%
EOP Loans	$	56.4		$	55.1		$	51.0		$	47.5		$	44.7		$	46.1		$	49.1		$	50.1		5	%
Net Interest Revenue as a % of Average Loans (1)	5.72		%	5.77		%	5.79		%	6.44		%	6.46		%	6.40		%	6.05		%	6.21		%
Net Credit Losses as a % of Average Loans	0.50		%	0.68		%	0.73		%	0.85		%	0.87		%	0.99		%	0.85		%	0.61		%
Loans 90+ Days Past Due	$	220		$	237		$	204		$	214		$	255		$	304		$	270		$	240		12	%
As a % of EOP Loans	0.39		%	0.43		%	0.40		%	0.45		%	0.57		%	0.66		%	0.55		%	0.48		%
Loans 30-89 Days Past Due	$	519		$	479		$	444		$	556		$	496		$	424		$	393		$	426		(23	)%
As a % of EOP Loans	0.92		%	0.87		%	0.87		%	1.17		%	1.11		%	0.92		%	0.80		%	0.85		%
Citi-Branded Cards Key Indicators (in billions of dollars)
EOP Open Accounts (in millions)	15.8			15.9			16.1			15.9			15.9			15.5			15.1			15.1			(5	)%
Purchase Sales	$	14.7		$	15.3		$	14.9		$	13.7		$	11.8		$	12.8		$	13.8		$	15.2		11	%
Average Loans	$	17.1		$	17.6		$	17.3		$	16.1		$	15.5		$	16.1		$	16.6		$	17.4		8	%
EOP Loans	$	17.1		$	17.9		$	16.7		$	16.6		$	15.2		$	16.3		$	17.0		$	17.7		7	%
Average Yield (2)	13.82		%	13.79		%	13.64		%	13.55		%	13.72		%	13.64		%	13.20		%	13.20		%
Net Interest Revenue as a % of Avg. Loans (3)	10.44		%	10.39		%	10.25		%	10.34		%	10.62		%	10.83		%	10.52		%	10.44		%
Net Credit Losses as a % of Average Loans	3.17		%	3.36		%	3.63		%	4.02		%	4.62		%	6.00		%	5.93		%	5.22		%
Net Credit Margin as a % of Avg. Loans (4)	13.09		%	11.54		%	12.20		%	10.40		%	9.94		%	9.18		%	9.37		%	10.26		%
Loans 90+ Days Past Due	$	255		$	274		$	262		$	261		$	310		$	350		$	315		$	273		5	%
As a % of EOP Loans	1.49		%	1.53		%	1.57		%	1.57		%	2.04		%	2.15		%	1.85		%	1.54		%
Loans 30-89 Days Past Due	$	390		$	422		$	376		$	425		$	426		$	421		$	398		$	370		(13	)%
As a % of EOP Loans	2.28		%	2.36		%	2.25		%	2.56		%	2.80		%	2.58		%	2.34		%	2.09		%

(1)   Also includes Net Interest Revenue related to the region’s deposit balances in excess of the average loan portfolio.

(2)   Average Yield is gross interest revenue earned divided by average loans.

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

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

Reclassified to conform to the current period’s presentation.

16

CITICORP INSTITUTIONAL CLIENTS GROUP (In millions of dollars)

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Commissions and Fees	$	780		$	735		$	754		$	607		$	443		$	492		$	565		$	575		(5	)%	2,876			2,075			(28	)%
Administration and Other Fiduciary Fees	1,361			1,390			1,397			1,265			1,222			1,237			1,258			1,247			(1	)%	5,413			4,964			(8	)%
Investment Banking	869			1,396			740			324			940			1,242			1,063			1,440			NM		3,329			4,685			41	%
Principal Transactions	2,997			1,952			3,116			(1,521		)	7,152			1,082			(535		)	(1,698		)	(12	)%	6,544			6,001			(8	)%
Other	83			(2		)	(188		)	(914		)	467			760			556			188			NM		(1,021		)	1,971			NM
Total Non-Interest Revenue	6,090			5,471			5,819			(239		)	10,224			4,813			2,907			1,752			NM		17,141			19,696			15	%
Net Interest Revenue (including Dividends)	4,045			4,414			4,092			5,189			4,574			4,542			4,443			4,180			(19	)%	17,740			17,739			0	%
Total Revenues, Net of Interest Expense	10,135			9,885			9,911			4,950			14,798			9,355			7,350			5,932			20	%	34,881			37,435			7	%
Total Operating Expenses	5,544			5,706			4,919			4,786			3,891			4,358			4,634			4,685			(2	)%	20,955			17,568			(16	)%
Net Credit Losses	66			308			221			322			77			168			292			186			(42	)%	917			723			(21	)%
Provision for Unfunded Lending Commitments	—			(75		)	(80		)	(36		)	32			83			—			23			NM		(191		)	138			NM
Credit Reserve Build / (Release)	24			191			285			649			276			573			146			(138		)	NM		1,149			857			(25	)%
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Credit Losses and for Benefits and Claims	90			424			426			935			385			824			438			71			(92	)%	1,875			1,718			(8	)%
Income (loss) from Continuing Operations before Taxes	4,501			3,755			4,566			(771		)	10,522			4,173			2,278			1,176			NM		12,051			18,149			51	%
Income Taxes (benefits)	1,184			1,313			1,410			(1,161		)	3,424			1,332			584			(79		)	93	%	2,746			5,261			92	%
Income from Continuing Operations	3,317			2,442			3,156			390			7,098			2,841			1,694			1,255			NM		9,305			12,888			39	%
Net Income (loss) Attributable to Minority Interests	12			17			11			(22		)	(3		)	3			23			45			NM		18			68			NM
Net Income	$	3,305		$	2,425		$	3,145		$	412		$	7,101		$	2,838		$	1,671		$	1,210		NM		$	9,287		$	12,820		38	%
Average Assets (in billions of dollars)	$	1,156		$	1,077		$	953		$	963		$	855		$	812		$	831		$	857		(11	)%	$	1,037		$	839		(19	)%
Return on Assets	1.15		%	0.91		%	1.31		%	0.17		%	3.37		%	1.40		%	0.80		%	0.56		%			0.90		%	1.53		%
Revenue by Region
North America	$	4,098		$	4,018		$	4,558		$	474		$	5,833		$	2,554		$	1,955		$	1,584		NM		$	13,148		$	11,926		(9	)%
EMEA	2,617			2,917			2,348			1,801			5,065			3,415			3,043			1,901			6	%	9,683			13,424			39	%
Latin America	1,021			1,096			847			844			1,141			1,386			1,040			1,217			44	%	3,808			4,784			26	%
Asia	2,399			1,854			2,158			1,831			2,759			2,000			1,312			1,230			(33	)%	8,242			7,301			(11	)%
Total	$	10,135		$	9,885		$	9,911		$	4,950		$	14,798		$	9,355		$	7,350		$	5,932		20	%	$	34,881		$	37,435		7	%
Income (loss) from Continuing Operations by Region
North America	$	1,470		$	707		$	1,434		$	(1,013	)	$	2,705		$	184		$	75		$	68		NM		$	2,598		$	3,032		17	%
EMEA	474			675			450			303			2,498			1,096			856			230			(24	)%	1,902			4,680			NM
Latin America	442			476			386			332			559			672			364			521			57	%	1,636			2,116			29	%
Asia	931			584			886			768			1,336			889			399			436			(43	)%	3,169			3,060			(3	)%
Total	$	3,317		$	2,442		$	3,156		$	390		$	7,098		$	2,841		$	1,694		$	1,255		NM		$	9,305		$	12,888		39	%
Average Loans by Region (in billions)
North America	$	51		$	48		$	52		$	51		$	50		49			43			41			(20	)%
EMEA	60			54			49			53			46			47			42			40			(25	)%
Latin America	26			25			24			21			20			20			21			21			—
Asia	39			37			36			35			30			28			27			28			(20	)%
Total	$	176		$	164		$	161		$	160		$	146		$	144		$	133		$	130		(19	)%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

17

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

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Net Interest Revenue	$	2,750		$	3,100		$	2,670		$	3,735		$	3,168		$	3,087		$	3,050		$	2,783		(25	)%	$	12,255		$	12,088		(1	)%
Non-Interest Revenue	4,968			4,306			4,675			(1,269		)	9,256			3,785			1,843			674			NM		12,680			15,558			23	%
Total Revenues, Net of Interest Expense	7,718			7,406			7,345			2,466			12,424			6,872			4,893			3,457			40	%	24,935			27,646			11	%
Total Operating Expenses	4,284			4,371			3,667			3,477			2,817			3,270			3,493			3,473			—		15,799			13,053			(17	)%
Net Credit Losses	65			305			223			306			74			171			294			181			(41	)%	899			720			(20	)%
Provision for Unfunded Lending Commitments	—			(75		)	(74		)	(36		)	32			83			—			23			NM		(185		)	138			NM
Credit Reserve Build / (Release)	23			183			288			632			278			565			151			(141		)	NM		1,126			853			(24	)%
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Loan Losses and for Benefits and Claims	88			413			437			902			384			819			445			63			(93	)%	1,840			1,711			(7	)%
Income (loss) from Continuing Operations before Taxes	3,346			2,622			3,241			(1,913		)	9,223			2,783			955			(79		)	96	%	7,296			12,882			77	%
Income Taxes (benefits)	840			969			1,003			(1,468		)	3,029			916			200			(415		)	72	%	1,344			3,730			NM
Income (loss) from Continuing Operations	2,506			1,653			2,238			(445		)	6,194			1,867			755			336			NM		5,952			9,152			54	%
Net Income (loss) Attributable to Minority Interests	4			8			2			(27		)	1			—			18			36			NM		(13		)	55			NM
Net Income (Loss)	$	2,502		$	1,645		$	2,236		$	(418	)	$	6,193		$	1,867		$	737		$	300		NM		$	5,965		$	9,097		53	%
Average Assets (in billions of dollars)	1,083			1,004			883			894			797			753			771			796			(11	)%	966			779			(19	)%
Return on Assets	0.93		%	0.66		%	1.01		%	(0.19		)%	3.15		%	0.99		%	0.38		%	0.15		%			0.62		%	1.17		%
Revenue Details:
Investment Banking:
Advisory (1)	$	284		$	259		$	265		$	230		$	227		$	130		$	186		$	211		(8	)%	$	1,038		$	754		(27	)%
Equity Underwriting	158			419			47			5			143			279			258			705			NM		629			1,385			NM
Debt Underwriting	388			657			306			227			612			751			719			542			NM		1,578			2,624			66	%
Total Investment Banking	830			1,335			618			462			982			1,160			1,163			1,458			NM		3,245			4,763			47	%
Lending	919			(155		)	1,262			2,194			(329		)	(928		)	(699		)	(197		)	NM		4,220			(2,153		)	NM
Equity Markets	1,161			1,526			550			(359		)	1,604			1,101			446			31			NM		2,878			3,182			11	%
Fixed Income Markets	4,732			4,439			4,756			468			10,221			5,573			3,945			1,801			NM		14,395			21,540			50	%
Private Bank	633			593			563			520			499			477			520			558			7	%	2,309			2,054			(11	)%
Other Securities and Banking	(557		)	(332		)	(404		)	(819		)	(553		)	(511		)	(482		)	(194		)	76	%	(2,112		)	(1,740		)	18	%
Total Securities and Banking Revenues	$	7,718		$	7,406		$	7,345		$	2,466		$	12,424		$	6,872		$	4,893		$	3,457		40	%	$	24,935		$	27,646		11	%

(1)   Certain of Citigroup’s Advisory activities are included within the Citi Holdings segment.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

18

CITICORP
INSTITUTIONAL CLIENTS GROUP
TRANSACTION SERVICES
(In millions of dollars)

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Net Interest Revenue	$	1,295		$	1,314		$	1,422		$	1,454		$	1,406		$	1,455		$	1,393		$	1,397		(4	)%	$	5,485		$	5,651		3	%
Non-Interest Revenue	1,122			1,165			1,144			1,030			968			1,028			1,064			1,078			5	%	4,461			4,138			(7	)%
Total Revenues, Net of Interest Expense	2,417			2,479			2,566			2,484			2,374			2,483			2,457			2,475			—		9,946			9,789			(2	)%
Total Operating Expenses	1,260			1,335			1,252			1,309			1,074			1,088			1,141			1,212			(7	)%	5,156			4,515			(12	)%
Net Credit Losses	1			3			(2		)	16			3			(3		)	(2		)	5			(69	)%	18			3			(83	)%
Provision for Unfunded Lending Commitments	—			—			(6		)	—			—			—			—			—			—		(6		)	—			100	%
Credit Reserve Build / (Release)	1			8			(3		)	17			(2		)	8			(5		)	3			(82	)%	23			4			(83	)%
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Credit Losses and for Benefits and Claims	2			11			(11		)	33			1			5			(7		)	8			(76	)%	35			7			(80	)%
Income (loss) from Continuing Operations before Taxes	1,155			1,133			1,325			1,142			1,299			1,390			1,323			1,255			10	%	4,755			5,267			11	%
Income Taxes	344			344			407			307			395			416			384			336			9	%	1,402			1,531			9	%
Income (loss) from Continuing Operations	811			789			918			835			904			974			939			919			10	%	3,353			3,736			11	%
Net Income (loss) Attributable to Minority Interests	8			9			9			5			(4		)	3			5			9			80	%	31			13			(58	)%
Net Income (Loss)	$	803		$	780		$	909		$	830		$	908		$	971		$	934		$	910		10	%	$	3,322		$	3,723		12	%
Average Assets (in billions of dollars)	$	73		$	73		$	70		$	69		$	58		$	59		$	60		$	61		(12	)%	$	71		$	60		(15	)%
Return on Assets	4.42		%	4.30		%	5.17		%	4.79		%	6.35		%	6.60		%	6.18		%	5.92		%			4.68		%	6.21		%
Revenue Details
Treasury and Trade Solutions	$	1,554		$	1,623		$	1,720		$	1,754		$	1,750		$	1,793		$	1,794		$	1,764		1	%	6,651			7,101			7	%
Securities and Fund Services	863			856			846			730			624			690			663			711			(3	)%	3,295			2,688			(18	)%
Total	$	2,417		$	2,479		$	2,566		$	2,484		$	2,374		$	2,483		$	2,457		$	2,475		—		$	9,946		$	9,789		(2	)%
Average Deposits and Other Customer Liability Balances (in billions)
North America	$	62		$	52		$	55		$	78		$	76		73			81			85			9	%
EMEA	105			110			109			106			97			100			104			110			4	%
Latin America	20			20			19			18			17			18			20			24			33	%
Asia	96			93			90			90			88			97			109			116			29	%
Total	$	283		$	275		$	273		$	292		$	278		$	288		$	314		$	335		15	%
EOP Assets Under Custody (in trillions of dollars)	$	13.3		$	13.2		$	12.2		$	11.0		$	10.5		$	11.4		$	12.1		$	12.1		10	%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

19

CITI HOLDINGS STATEMENT OF INCOME AND BALANCE SHEET SUMMARY (In millions of dollars)

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Revenues
Net interest revenue	$	5,597		$	5,929		$	5,766		$	5,167		$	5,383		$	4,495		$	4,024		$	3,412		(34	)%	22,459			17,314			(23	)%
Non-interest revenue	(10,115		)	(3,850		)	(5,062		)	(10,130		)	(1,931		)	11,255			2,670			1,327			NM		(29,157		)	13,321			NM
Total revenues, net of interest expense	(4,518		)	2,079			704			(4,963		)	3,452			15,750			6,694			4,739			NM		(6,698		)	30,635			NM
Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	2,708			3,021			3,603			4,738			6,045			6,795			6,250			5,570			18	%	14,070			24,660			75	%
Credit Reserve Build / (Release)	1,466			2,100			3,224			4,654			1,694			2,711			338			714			(85	)%	11,444			5,457			(52	)%
Provision for loan losses	4,174			5,121			6,827			9,392			7,739			9,506			6,588			6,284			(33	)%	25,514			30,117			18	%
Provision for Benefits & Claims	274			258			273			591			319			294			310			287			(51	)%	1,396			1,210			(13	)%
Provision for unfunded lending commitments	—			(68		)	(70		)	(34		)	28			52			—			29			NM		(172		)	109			NM
Total provisions for credit losses and for benefits and claims	4,448			5,311			7,030			9,949			8,086			9,852			6,898			6,600			(34	)%	26,738			31,436			18	%
Total operating expenses	5,954			5,316			5,136			8,791			4,388			3,827			3,202			3,260			(63	)%	25,197			14,677			(42	)%
Income (Loss) from Continuing Operations before Income Taxes	(14,920		)	(8,548		)	(11,462		)	(23,703		)	(9,022		)	2,071			(3,406		)	(5,121		)	78	%	(58,633		)	(15,478		)	74	%
Provision (benefits) for income taxes	(5,770		)	(3,323		)	(4,526		)	(9,002		)	(3,686		)	712			(1,588		)	(2,677		)	70	%	(22,621		)	(7,239		)	68	%
Income (Loss) from Continuing Operations	(9,150		)	(5,225		)	(6,936		)	(14,701		)	(5,336		)	1,359			(1,818		)	(2,444		)	83	%	(36,012		)	(8,239		)	77	%
Net Income (Loss) attributable to noncontrolling Minority Interests (Minority Interest)	(30		)	52			(109		)	(285		)	(13		)	(37		)	49			28			NM		(372		)	27			NM
Citi Holding’s Net Income (Loss)	$	(9,120	)	$	(5,277	)	$	(6,827	)	$	(14,416	)	$	(5,323	)	$	1,396		$	(1,867	)	$	(2,472	)	83	%	$	(35,640	)	$	(8,266	)	77	%
Balance Sheet Data (in billions):
Total EOP Assets	$	898		$	833		$	775		$	715		$	662		$	649		$	617		$	547		(23	)%
Total EOP Deposits	$	90		$	84		$	83		$	83		$	88		$	88		$	90		$	92		11	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

20

CITI HOLDINGS BROKERAGE AND ASSET MANAGEMENT (In millions of dollars)

																							4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q		3Q			4Q			1Q			2Q		3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008		2008			2008			2009			2009		2009			2009			(Decrease)		2008			2009			(Decrease)
Net Interest Revenue	$	179		$	230	$	318		$	497		$	348		$	168	$	(56	)	$	(28	)	NM		$	1,224		$	432		(65	)%
Non-Interest Revenue	2,211			2,237		1,776			975			1,353			12,171		726			453			(54	)%	7,199			14,703			NM
Total Revenues, Net of Interest Expense	2,390			2,467		2,094			1,472			1,701			12,339		670			425			(71	)%	8,423			15,135			80	%
Total Operating Expenses	2,450			2,002		2,085			2,699			1,546			1,096		358			350			(87	)%	9,236			3,350			(64	)%
Net Credit Losses	10			—		1			(1		)	2			1		—			—			100	%	10			3			(70	)%
Credit Reserve Build / (Release)	1			9		(3		)	1			43			3		(11		)	1			—		8			36			NM
Provision for Benefits & Claims	52			45		58			50			41			34		38			42			(16	)%	205			155			(24	)%
Provision for Unfunded Lending Commitments	—			—		—			—			—			—		—			(5		)	—		—			(5		)	—
Provision for Loan Losses and for Benefits and Claims	63			54		56			50			86			38		27			38			(24	)%	223			189			(15	)%
Income (loss) from Continuing Operations before Taxes	(123		)	411		(47		)	(1,277		)	69			11,205		285			37			NM		(1,036		)	11,596			NM
Income Taxes (benefits)	(9		)	144		10			(417		)	11			4,391		146			(59		)	86	%	(272		)	4,489			NM
Income (loss) from Continuing Operations	(114		)	267		(57		)	(860		)	58			6,814		139			96			NM		(764		)	7,107			NM
Net Income (loss) Attributable to Minority Interests	(11		)	49		(98		)	(119		)	(17		)	6		16			7			NM		(179		)	12			NM
Net Income (Loss)	$	(103	)	$	218	$	41		$	(741	)	$	75		$	6,808	$	123		$	89		NM		$	(585	)	$	7,095		NM
EOP Assets (in billions of dollars)	$	68		$	65	$	62		$	58		$	52		$	56	$	59		$	35		(40	)%
EOP Assets Reflecting the Sale of Nikko Cordial Securities (in billions of dollars)	$	45		$	44	$	42		$	36		$	33		$	37	$	37		$	35		(3	)%
EOP Deposits (in billions of dollars)	$	54		$	50	$	53		$	58		$	59		$	56	$	60		$	60		3	%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

21

CITI HOLDINGS LOCAL CONSUMER LENDING Page 1 (In millions of dollars)

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Net Interest Revenue	$	4,596		$	4,807		$	4,612		$	3,888		$	3,890		$	3,387		$	3,453		$	2,979		(23	)%	$	17,903		$	13,709		(23	)%
Non-Interest Revenue	2,904			1,417			820			1,409			2,563			543			1,194			1,173			(17	)%	6,550			5,473			(16	)%
Total Revenues, Net of Interest Expense (1)	7,500			6,224			5,432			5,297			6,453			3,930			4,647			4,152			(22	)%	24,453			19,182			(22	)%
Total Operating Expenses	3,201			3,046			2,847			5,879			2,611			2,524			2,611			2,685			(54	)%	14,973			10,431			(30	)%
Net Credit Losses	2,647			2,982			3,487			4,035			4,532			5,156			4,929			4,620			14	%	13,151			19,237			46	%
Credit Reserve Build / (Release)	1,294			1,862			2,702			2,734			1,587			2,812			604			901			(67	)%	8,592			5,904			(31	)%
Provision for Benefits & Claims	222			213			215			541			278			260			272			245			(55	)%	1,191			1,055			(11	)%
Provision for Unfunded Lending Commitments	—			—			—			—			—			—			—			3			—		—			3			—
Provision for Loan Losses and for Benefits and Claims	4,163			5,057			6,404			7,310			6,397			8,228			5,805			5,769			(21	)%	22,934			26,199			14	%
Income (loss) from Continuing Operations before Taxes	136			(1,879		)	(3,819		)	(7,892		)	(2,555		)	(6,822		)	(3,769		)	(4,302		)	45	%	(13,454		)	(17,448		)	(30	)%
Income Taxes (benefits)	11			(673		)	(1,534		)	(3,004		)	(1,136		)	(2,629		)	(1,670		)	(1,970		)	34	%	(5,200		)	(7,405		)	(42	)%
Income (loss) from Continuing Operations	125			(1,206		)	(2,285		)	(4,888		)	(1,419		)	(4,193		)	(2,099		)	(2,332		)	52	%	(8,254		)	(10,043		)	(22	)%
Net Income (loss) Attributable to Minority Interests	4			8			1			(1		)	5			5			13			9			NM		12			32			NM
Net Income (Loss)	$	121		$	(1,214	)	$	(2,286	)	$	(4,887	)	$	(1,424	)	$	(4,198	)	$	(2,112	)	$	(2,341	)	52	%	$	(8,266	)	$	(10,075	)	(22	)%
Average Assets (in billions of dollars)	$	480		$	478		$	456		$	431		$	408		$	398		$	384		$	369		(14	)%	$	461		$	390		(15	)%
EOP Assets (in billions of dollars)	$	484		$	469		$	452		$	416		$	396		$	392		$	376		$	358		(14	)%
Net Credit Losses as a % of Average Loans	2.79		%	3.16		%	3.83		%	4.54		%	5.35		%	6.26		%	6.11		%	5.97		%
North America Retail Partners Cards Supplemental Disclosure - Managed Basis (2)
Total GAAP Revenues	$	1,881		$	1,754		$	912		$	1,770		$	1,527		$	789		$	1,441		$	1,682		(5	)%	$	6,317		$	5,439		(14	)%
Net Impact of Credit Card Securitization Activity (2), (3)	646			769			1,687			824			968			1,482			952			733			(11	)%	3,926			4,135			5	%
Total Managed Revenues	$	2,527		$	2,523		$	2,599		$	2,594		$	2,495		$	2,271		$	2,393		$	2,415		(7	)%	$	10,243		$	9,574		(7	)%

(1)	For Retail Partners Cards, the first quarter of 2008, the third quarter of 2008, the first quarter of 2009 and the fourth quarter of 2009 include releases of $30 million, $23 million, $213 million and approximately $275 million, respectively, from the allowance for credit losses related to loan receivables that were securitized during the quarter.
(2)	Managed-basis (Managed) presentations detail certain non-GAAP financial measures. Managed presentations (applicable only to North American credit card operations, as securitizations are not done in any other regions) include results from both the on-balance sheet loans and off- balance sheet loans, and exclude the impact of card securitization activity. Managed presentations assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as Citigroup’s owned loans. Citigroup believes that Managed presentations are useful to investors because they are widely used by analysts and investors within the credit card industry. Managed presentations are commonly used by other companies within the financial services industry.
	See pages 37 - 39 for a further discussion of the Managed presentations and a reconciliation of these measures to their most comparable GAAP measure.
(3)	Net impact of Credit Card 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.
	See pages 37 - 39 for a further discussion of the Managed presentations and a reconciliation of these measures to their most comparable GAAP measure.
NM Not meaningful
Reclassified to conform to the current period’s presentation.

22

CITI HOLDINGS LOCAL CONSUMER LENDING  -  Page 2 (In millions of dollars, except branches)

																									4Q09 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)
International Key Indicators
Branches	1,315			1,190			1,171			1,154			865			810			671			605			(48	)%
Average Loans (in billions of dollars)	$	50.7		$	51.3		$	48.7		$	42.9		$	40.0		$	40.4		$	39.5		$	36.3		(15	)%
EOP Loans (in billions of dollars)	$	52.1		$	51.7		$	46.8		$	43.0		$	39.2		$	40.3		$	37.3		$	33.1		(23	)%
Net Interest Revenue	$	1,219		$	1,149		$	1,129		$	807		$	857		$	718		$	819		$	549		(32	)%
As a % of Average Loans	9.67		%	9.01		%	9.22		%	7.48		%	8.69		%	7.13		%	8.23		%	6.00		%	(20	)%
Net Credit Losses	$	662		$	698		$	737		$	738		$	832		$	976		$	973		$	795		8	%
As a % of Average Loans	5.25		%	5.47		%	6.02		%	6.84		%	8.44		%	9.69		%	9.77		%	8.69		%
Loans 90+ Days Past Due	$	892		$	987		$	1,033		$	1,152		$	1,362		$	1,535		$	1,447		$	1,345		17	%
As a % of EOP Loans	1.71		%	1.91		%	2.21		%	2.68		%	3.47		%	3.81		%	3.88		%	4.06		%
Loans 30-89 Days Past Due	$	1,610		$	1,634		$	1,668		$	1,830		$	1,948		$	1,832		$	1,717		$	1,467		(20	)%
As a % of EOP Loans	3.09		%	3.16		%	3.56		%	4.26		%	4.97		%	4.55		%	4.60		%	4.43		%
North America Key Indicators - Retail Partners Cards (1)
EOP Open Accounts (in millions)	117.3			116.5			115.6			111.6			107.6			105.7			100.5			99.8			(11	)%
Purchase Sales (in billions of dollars)	$	28.2		$	31.9		$	30.6		$	29.5		$	23.4		$	26.7		$	25.8		$	26.9		(9	)%
Average Managed Loans (in billions of dollars)
Securitized	$	37.1		$	36.2		$	37.5		$	35.4		$	35.1		$	37.3		$	36.1		$	35.0		(1	)%
Held for Sale	1.0			1.0			—			—			—			—			—			—			—
On Balance Sheet	29.5			29.4			29.2			30.5			28.6			23.6			23.7			23.2			(24	)%
Total	$	67.6		$	66.6		$	66.7		$	65.9		$	63.7		$	60.9		$	59.8		$	58.2		(12	)%
EOP Managed Loans (in billions of dollars)	$	66.2		$	67.0		$	66.5		$	66.4		$	61.1		$	60.4		$	58.2		$	57.7		(13	)%
Managed Average Yield (2)	15.97		%	15.97		%	16.26		%	16.26		%	17.53		%	18.56		%	18.54		%	18.65		%
Managed Net Interest Revenue (3)	$	2,232		$	2,256		$	2,354		$	2,279		$	2,277		$	2,271		$	2,337		$	2,234		(2	)%
As a % of Avg. Managed Loans	13.28		%	13.62		%	14.04		%	13.76		%	14.50		%	14.96		%	15.50		%	15.23		%
Managed Net Credit Losses	$	1,194		$	1,290		$	1,458		$	1,622		$	1,958		$	2,150		$	2,004		$	1,963		21	%
As a % of Avg. Managed Loans	7.10		%	7.79		%	8.70		%	9.79		%	12.47		%	14.16		%	13.30		%	13.38		%
Managed Net Credit Margin (4)	$	1,305		$	1,204		$	1,118		$	937		$	507		$	90		$	362		$	427		(54	)%
As a % of Avg. Managed Loans	7.76		%	7.27		%	6.67		%	5.66		%	3.23		%	0.59		%	2.40		%	2.91		%
Managed Loans 90+ Days Past Due	$	1,556		$	1,609		$	1,725		$	2,130		$	2,289		$	2,131		$	2,104		$	2,177		2	%
As a % of EOP Managed Loans	2.35		%	2.40		%	2.59		%	3.21		%	3.75		%	3.53		%	3.62		%	3.77		%
Managed Loans 30-89 Days Past Due	$	2,065		$	2,010		$	2,481		$	2,739		$	2,533		$	2,462		$	2,607		$	2,403		(12	)%
As a % of EOP Managed Loans	3.12		%	3.00		%	3.73		%	4.13		%	4.15		%	4.08		%	4.48		%	4.16		%
North America Key Indicators (ex Cards)
Branches	2,517			2,526			2,449			2,347			2,341			2,332			2,300			2,261			(4	)%
Average Loans (in billions of dollars)	$	301.4		$	298.8		$	284.6		$	280.6		$	275.0		$	266.7		$	256.4		$	247.5		(12	)%
EOP Loans (in billions of dollars)	$	300.1		$	285.4		$	283.8		$	276.2		$	270.5		$	260.3		$	251.8		$	241.4		(13	)%
Net Interest Revenue	$	2,629		$	2,759		$	2,610		$	2,124		$	2,149		$	1,853		$	1,728		$	1,616		(24	)%
As a % of Average Loans	3.51		%	3.71		%	3.65		%	3.01		%	3.17		%	2.79		%	2.67		%	2.59		%
Net Credit Losses	$	1,502		$	1,719		$	2,104		$	2,537		$	2,799		$	3,308		$	3,089		$	2,980		17	%
As a % of Average Loans	2.00		%	2.31		%	2.94		%	3.60		%	4.13		%	4.98		%	4.78		%	4.78		%
Loans 90+ Days Past Due (5)	$	6,104		$	6,915		$	8,296		$	9,858		$	11,881		$	12,382		$	14,325		$	15,597		58	%
As a % of EOP Loans	2.06		%	2.47		%	2.99		%	3.65		%	4.51		%	4.92		%	5.88		%	6.71		%
Loans 30-89 Days Past Due (5)	$	7,667		$	8,600		$	9,180		$	10,570		$	9,442		$	9,867		$	10,389		$	9,843		(7	)%
As a % of EOP Loans	2.59		%	3.07		%	3.31		%	3.91		%	3.58		%	3.92		%	4.27		%	4.24		%

(1)	See Note (2) on page 23 for a discussion of Managed Basis presentations.
(2)	Managed Average Yield is gross interest revenue earned divided by average managed loans.
(3)	Managed Net Interest Revenue includes certain fees that are recorded as interest revenue.
(4)	Managed Net Credit Margin is Total Revenues, net of Interest Expense, less Net Credit Losses and Policy Benefits and Claims.
(5)	The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios for North America (ex Cards) excludes U.S. Mortgage loans that are guaranteed by U.S. Government-sponsored Agencies since the potential loss predominantly resides with the U.S. Agencies.
	The amounts excluded for Loans 90+Days Past Due and (EOP Loans) for each period are: $1.8 billion ($4.2 billion), $1.9 billion ($4.9 billion), $2.3 billion ($6.5 billion), $3.0 billion ($6.2 billion), $3.6 billion ($7.1 billion), $4.3 billion ($8.7 billion), $4.9 billion ($8.3 billion) and $5.4 billion ($9.0 billion) as of of March 31, 2008, June 30, 2008, September 30, 2008, December 31, 2008, March 31, 2009, June 30, 2009 , September 30, 2009 and December 31, 2009, respectively.
	The amounts excluded for Loans 30-89 Days Past Due (EOP Loans have the same adjustment as above) for each period are: $0.4 billion, $0.5 billion, $0.5 billion, $0.6 billion, $0.6 billion, $0.7 billion, $0.8 billion and $1.0 billion as of March 31, 2008, June 30, 2008, September 30, 2008, December 31, 2008, March 31, 2009, June 30, 2009, September 30, 2009 and December 31, 2009, respectively.
NM Not meaningful
Reclassified to conform to the current period’s presentation.

23

CITI HOLDINGS LOCAL CONSUMER LENDING  -  Page 3 North America (In millions of dollars)

																									4Q09 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)
KEY INDICATORS:
Residential Real Estate Lending
Average Loans (in billions of dollars)	$	221.7		$	217.4		$	206.9		$	201.8		$	197.7		$	191.7		$	183.7		$	177.2		(12	)%
EOP Loans (in billions of dollars)	$	219.5		$	209.0		$	203.7		$	198.6		$	194.5		$	186.3		$	180.1		$	172.4		(13	)%
Third Party Mortgage Servicing Portfolio (EOP, in billions)	$	646.9		$	654.4		$	653.1		$	653.8		$	599.2		$	581.2		$	571.2		$	551.6		(16	)%
Net Servicing & Gain/(Loss) on Sale	$	203.7		$	(362.7	)	$	39.9		$	24.5		$	228.6		$	58.4		$	(22.9	)	$	(45.8	)	NM
Net Interest Revenue on Loans	$	1,215		$	1,290		$	1,207		$	806		$	911		$	727		$	653		$	604		(25	)%
As a % of Avg. Loans	2.20		%	2.39		%	2.32		%	1.59		%	1.87		%	1.52		%	1.41		%	1.35		%
Net Credit Losses	$	887		$	1,091		$	1,405		$	1,669		$	1,937		$	2,436		$	2,225		$	2,062		24	%
As a % of Avg. Loans	1.61		%	2.02		%	2.70		%	3.29		%	3.97		%	5.10		%	4.81		%	4.62		%
Loans 90+ Days Past Due (1)	$	4,542		$	5,380		$	6,611		$	8,054		$	10,011		$	10,488		$	12,289		$	13,541		68	%
As a % of EOP Loans	2.11		%	2.64		%	3.35		%	4.19		%	5.34		%	5.91		%	7.15		%	8.29		%
Loans 30-89 Days Past Due (1)	$	5,900		$	6,740		$	6,930		$	8,041		$	7,341		$	7,651		$	8,001		$	7,346		(9	)%
As a % of EOP Loans	2.74		%	3.30		%	3.51		%	4.18		%	3.92		%	4.31		%	4.66		%	4.50		%
Auto Loans
Average Loans (in billions of dollars)	$	21.2		$	21.0		$	20.1		$	19.2		$	18.0		$	16.8		$	15.6		$	14.4		(25	)%
EOP Loans (in billions of dollars)	$	21.4		$	20.4		$	19.7		$	18.6		$	17.3		$	16.2		$	15.0		$	13.8		(26	)%
Net Interest Revenue on Loans	$	395		$	395		$	376		$	353		$	314		$	295		$	284		$	273		(23	)%
As a % of Avg. Loans	7.49		%	7.57		%	7.44		%	7.31		%	7.07		%	7.04		%	7.22		%	7.52		%
Net Credit Losses	$	228		$	196		$	259		$	359		$	301		$	238		$	260		$	283		(21	)%
As a % of Avg. Loans	4.33		%	3.75		%	5.13		%	7.44		%	6.78		%	5.68		%	6.61		%	7.80		%
Loans 90+ Days Past Due	$	215		$	265		$	350		$	345		$	256		$	241		$	274		$	270		(22	)%
As a % of EOP Loans	1.00		%	1.30		%	1.78		%	1.85		%	1.48		%	1.49		%	1.83		%	1.96		%
Loans 30-89 Days Past Due	$	736		$	928		$	1,030		$	1,215		$	836		$	1,022		$	1,038		$	1,139		(6	)%
As a % of EOP Loans	3.44		%	4.55		%	5.23		%	6.53		%	4.83		%	6.31		%	6.92		%	8.25		%
Student Loans
Average Loans (in billions of dollars)	$	24.0		$	24.9		$	23.0		$	25.7		$	26.5		$	26.6		$	26.3		$	26.3		2	%
EOP Loans (in billions of dollars)	$	24.5		$	21.4		$	25.7		$	25.6		$	26.7		$	26.6		$	26.5		$	26.3		3	%
Net Interest Revenue on Loans	$	93		$	124		$	88		$	49		$	102		$	61		$	68		$	76		55	%
As a % of Avg. Loans	1.56		%	2.00		%	1.52		%	0.76		%	1.56		%	0.92		%	1.03		%	1.15		%
Net Credit Losses	$	13		$	16		$	18		$	23		$	20		$	27		$	26		$	28		22	%
As a % of Avg. Loans	0.22		%	0.26		%	0.31		%	0.36		%	0.31		%	0.41		%	0.39		%	0.42		%
Loans 90+ Days Past Due	$	796		$	699		$	662		$	703		$	829		$	863		$	860		$	875		24	%
As a % of EOP Loans	3.25		%	3.27		%	2.58		%	2.75		%	3.10		%	3.24		%	3.25		%	3.33		%
Loans 30-89 Days Past Due	$	582		$	423		$	567		$	687		$	661		$	565		$	679		$	774		13	%
As a % of EOP Loans	2.38		%	1.98		%	2.21		%	2.68		%	2.48		%	2.12		%	2.56		%	2.94		%
Personal Loans & Other
Average Loans (in billions of dollars)	$	19.3		$	20.6		$	22.7		$	22.2		$	21.3		$	20.4		$	19.8		$	18.8		(15	)%
EOP Loans (in billions of dollars)	$	19.4		$	22.5		$	23.0		$	21.9		$	20.6		$	20.1		$	19.3		$	18.3		(16	)%
Net Interest Revenue on Loans	$	785		$	806		$	816		$	791		$	713		$	671		$	671		$	628		(21	)%
As a % of Avg. Loans	16.36		%	15.74		%	14.30		%	14.17		%	13.58		%	13.19		%	13.45		%	13.25		%
Net Credit Losses	$	373		$	414		$	413		$	474		$	536		$	568		$	510		$	513		8	%
As a % of Avg. Loans	7.77		%	8.08		%	7.24		%	8.49		%	10.21		%	11.17		%	10.22		%	10.83		%
Loans 90+ Days Past Due	$	516		$	515		$	604		$	685		$	668		$	616		$	645		$	556		(19	)%
As a % of EOP Loans	2.66		%	2.29		%	2.63		%	3.13		%	3.24		%	3.06		%	3.34		%	3.04		%
Loans 30-89 Days Past Due	$	416		$	448		$	580		$	541		$	462		$	476		$	477		$	438		(19	)%
As a % of EOP Loans	2.14		%	1.99		%	2.52		%	2.47		%	2.24		%	2.37		%	2.47		%	2.39		%
Commercial Real Estate
Average Loans (in billions of dollars)	$	15.0		$	15.0		$	11.9		$	11.7		$	11.4		$	11.2		$	11.0		$	10.7		(9	)%
EOP Loans (in billions of dollars)	$	15.2		$	12.1		$	11.8		$	11.5		$	11.3		$	11.1		$	10.8		$	10.6		(8	)%
Net Interest Revenue on Loans	$	57		$	62		$	39		$	35		$	44		$	30		$	33		$	34		(3	)%
As a % of Avg. Loans	1.53		%	1.66		%	1.30		%	1.19		%	1.57		%	1.07		%	1.19		%	1.26		%
Net Credit Losses	$	2		$	2		$	10		$	12		$	6		$	39		$	67		$	94		NM
As a % of Avg. Loans	0.05		%	0.05		%	0.33		%	0.41		%	0.21		%	1.40		%	2.42		%	3.49		%
Loans 90+ Days Past Due	$	36		$	56		$	69		$	71		$	117		$	174		$	257		$	355		NM
As a % of EOP Loans	0.24		%	0.46		%	0.58		%	0.62		%	1.04		%	1.57		%	2.38		%	3.35		%
Loans 30-89 Days Past Due	$	34		$	61		$	73		$	86		$	142		$	153		$	194		$	146		70	%
As a % of EOP Loans	0.22		%	0.50		%	0.62		%	0.75		%	1.26		%	1.38		%	1.80		%	1.38		%

(1)	The 90 Days Past due and related ratio for North America LCL (excluding Cards) excludes U.S. Mortrgage loans that are guaranteed by U.S. Government-sponsored Agencies since the potential loss predominantly resides with the U.S. Agencies. See Local Consumer Lending on page 23.
NM Not meaningful
Reclassified to conform to the current period’s presentation.

24

CITI HOLDINGS SPECIAL ASSET POOL (In millions of dollars)

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Net Interest Revenue	$	822		$	892		$	836		$	782		$	1,145		$	940		$	627		$	461		(41	)%	$	3,332		$	3,173		(5	)%
Non-Interest Revenue	(15,230		)	(7,504		)	(7,658		)	(12,514		)	(5,847		)	(1,459		)	750			(299		)	98	%	(42,906		)	(6,855		)	84	%
Total Revenues, Net of Interest Expense	(14,408		)	(6,612		)	(6,822		)	(11,732		)	(4,702		)	(519		)	1,377			162			NM		(39,574		)	(3,682		)	91	%
Total Operating Expenses	303			268			204			213			231			207			233			225			6	%	988			896			(9	)%
Net Credit Losses	51			39			115			704			1,511			1,638			1,321			950			35	%	909			5,420			NM
Credit Reserve Build / (Release)	171			229			525			1,919			64			(104		)	(255		)	(188		)	NM		2,844			(483		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—			—			—			—		—			—			—
Provision for Unfunded Lending Commitments				(68		)	(70		)	(34		)	28			52			—			31			NM		(172		)	111			NM
Provision for Loan Losses and for Benefits and Claims	222			200			570			2,589			1,603			1,586			1,066			793			(69	)%	3,581			5,048			41	%
Income (loss) from Continuing Operations before Taxes	(14,933		)	(7,080		)	(7,596		)	(14,534		)	(6,536		)	(2,312		)	78			(856		)	94	%	(44,143		)	(9,626		)	78	%
Income Taxes (benefits)	(5,772		)	(2,794		)	(3,002		)	(5,581		)	(2,561		)	(1,050		)	(64		)	(648		)	88	%	(17,149		)	(4,323		)	75	%
Income (loss) from Continuing Operations	(9,161		)	(4,286		)	(4,594		)	(8,953		)	(3,975		)	(1,262		)	142			(208		)	98	%	(26,994		)	(5,303		)	80	%
Net Income (loss) Attributable to Minority Interests	(23		)	(5		)	(12		)	(165		)	(1		)	(48		)	20			12			NM		(205		)	(17		)	92	%
Net Income (Loss)	$	(9,138	)	$	(4,281	)	$	(4,582	)	$	(8,788	)	$	(3,974	)	$	(1,214	)	$	122		$	(220	)	97	%	$	(26,789	)	$	(5,286	)	80	%
EOP Assets (in billions of dollars)	$	346		$	299		$	261		$	241		$	214		$	201		$	182		$	154		(36	)%

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)
	Fourth		Third		Fourth		Fourth		Third		Fourth		Fourth		Third		Fourth
	Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter
In millions of dollars	2008		2009		2009 (5)		2008		2009		2009 (5)		2008		2009		2009 (5)
Assets:
Deposits with Banks(6)	$	119,228	$	190,269	$	219,321	$	745	$	313	$	352	2.49	%	0.65	%	0.64	%
Fed Funds Sold and Resale Agreements(7)	206,264		211,546		225,066		1,399		728		677		2.70	%	1.37	%	1.19	%
Trading Account Assets (8)	300,740		267,916		287,479		3,884		2,654		2,197		5.14	%	3.93	%	3.03	%
Investments(1)	218,480		263,224		274,508		2,886		3,283		3,225		5.26	%	4.95	%	4.66	%
Consumer Loans	483,720		450,193		442,803		10,377		8,685		8,490		8.53	%	7.65	%	7.61	%
Corporate Loans	217,660		188,488		177,335		4,076		2,916		2,582		7.45	%	6.14	%	5.78	%
Total Loans (net of Unearned Income) (9)	701,380		638,681		620,138		14,453		11,601		11,072		8.20	%	7.21	%	7.08	%
Other Interest-Earning Assets	74,364		43,869		45,912		504		99		180		2.70	%	0.90	%	1.56	%
Total Average Interest-Earning Assets	$	1,620,456	$	1,615,505	$	1,672,424	$	23,871	$	18,678	$	17,703	5.86	%	4.59	%	4.20	%
Liabilities:
Deposits	$	662,843	$	695,397	$	720,411	$	4,080	$	2,298	$	2,160	2.45	%	1.31	%	1.19	%
Fed Funds Purchased and Repurchase Agreements (7)	258,644		203,943		189,856		1,706		772		626		2.62	%	1.50	%	1.31	%
Trading Account Liabilities (8)	62,807		60,635		71,698		193		43		69		1.22	%	0.28	%	0.38	%
Short-Term Borrowings	190,067		139,459		131,341		678		350		297		1.42	%	1.00	%	0.90	%
Long-Term Debt (10)	341,202		346,057		365,991		3,943		3,217		3,390		4.60	%	3.69	%	3.67	%
Total Average Interest-Bearing Liabilities	$	1,515,563	$	1,445,491	$	1,479,297	$	10,600	$	6,680	$	6,542	2.78	%	1.83	%	1.75	%
Net Interest Revenue as a % of Average Interest-Earning Assets (NIM)							$	13,271	$	11,998	$	11,161	3.26	%	2.95	%	2.65	%
4Q09 Increase (Decrease) From													(61	)bps	(30	)bps

(1)	Interest Revenue excludes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $159 million for the 2008 fourth quarter, $387 million for the 2009 third quarter and $186 million for the 2009 fourth 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)	Nonperforming loans are included in the average loan balances.
(10)	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

EOP DEPOSITS TOTAL CITIGROUP (In billions of dollars)

																	December 31, 2009
																	vs.
	1Q		2Q		3Q		4Q		1Q		2Q		3Q		4Q		December 31, 2008
	2008		2008		2008		2008		2009		2009		2009		2009		Inc (Decr)
Citicorp Deposits by Business
Regional Consumer Banking
North America	$	125.8	$	123.7	$	123.6	$	127.6	$	131.0	$	139.1	$	144.7	$	143.7	13	%
EMEA	11.6		12.0		10.5		8.9		8.5		9.3		9.8		10.1		13	%
Latin America	41.1		41.6		38.7		35.3		35.3		36.7		36.5		41.4		17	%
Asia	98.7		96.7		89.6		86.8		84.2		89.2		94.2		94.5		9	%
Total	$	277.2	$	274.0	$	262.4	$	258.6	$	259.0	$	274.3	$	285.2	$	289.7	12	%
ICG
Securities and Banking	$	168.2	$	125.3	$	112.3	$	123.3	$	124.7	$	117.9	$	120.5	$	117.6	(5	)%
Transaction Services	279.7		281.7		307.9		290.9		276.4		309.5		321.9		324.1		11	%
Total	$	447.9	$	407.0	$	420.2	$	414.2	$	401.1	$	427.4	$	442.4	$	441.7	7	%
Total Citicorp	$	725.1	$	681.0	$	682.6	$	672.8	$	660.1	$	701.7	$	727.6	$	731.4	9	%
Citi Holdings Deposits
Brokerage and Asset Management	$	54.1	$	49.7	$	52.8	$	57.9	$	58.6	$	56.3	$	59.7	$	59.9	3	%
Local Consumer Lending	35.9		33.8		30.2		25.1		29.7		31.5		30.4		31.6		26	%
Total Citi Holdings	$	90.0	$	83.5	$	83.0	$	83.0	$	88.3	$	87.8	$	90.1	$	91.5	10	%
Corporate/Other Deposits	$	0.3	$	23.4	$	14.7	$	18.4	$	14.3	$	15.2	$	14.9	$	13.0	(29	)%
Deposits Related to Discontinued Operations	$	15.8	$	15.7	$	—	$	—	$	—	$	—	$	—	$	—	—
Total Citigroup Deposits	$	831.2	$	803.6	$	780.3	$	774.2	$	762.7	$	804.7	$	832.6	$	835.9	8	%

Reclassified to conform to the current period’s presentation.

27

SUPPLEMENTAL DETAIL CONSUMER LOANS 90+DAYS DELINQUENCY AMOUNTS AND RATIOS BUSINESS VIEW(In millions of dollars, except loan amounts in billions of dollars)

	Loans 90+ Days Past Due (1)																								EOP Loans
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q
	2008			2008			2008			2008			2009			2009			2009			2009			2009
Citicorp
Total	$	1,612		$	1,742		$	1,690		$	1,710		$	1,898		$	2,218		$	1,990		$	1,935		$	124.7
Ratio	1.25		%	1.32		%	1.33		%	1.41		%	1.68		%	1.89		%	1.60		%	1.55		%
Retail Bank
Total	$	621		$	647		$	616		$	584		$	692		$	831		$	749		$	789		$	80.7
Ratio	0.76		%	0.77		%	0.77		%	0.77		%	0.96		%	1.10		%	0.94		%	0.98		%
North America	$	37		$	54		$	54		$	84		$	99		$	97		$	93		$	107		$	7.2
Ratio	1.48		%	1.47		%	1.10		%	1.29		%	1.41		%	1.35		%	1.24		%	1.49		%
EMEA	$	33		$	46		$	35		$	47		$	58		$	70		$	62		$	60		$	5.2
Ratio	0.48		%	0.61		%	0.48		%	0.75		%	1.06		%	1.23		%	1.09		%	1.15		%
Latin America	$	331		$	310		$	323		$	239		$	280		$	360		$	324		$	382		$	18.2
Ratio	2.03		%	1.79		%	1.89		%	1.52		%	1.82		%	2.18		%	1.83		%	2.10		%
Asia	$	220		$	237		$	204		$	214		$	255		$	304		$	270		$	240		$	50.1
Ratio	0.39		%	0.43		%	0.40		%	0.45		%	0.57		%	0.66		%	0.55		%	0.48		%
Citi-Branded Cards
Total	$	991		$	1,095		$	1,074		$	1,126		$	1,206		$	1,387		$	1,241		$	1,146		$	44.0
Ratio	2.10		%	2.29		%	2.31		%	2.47		%	2.95		%	3.29		%	2.80		%	2.60		%
North America	$	174		$	171		$	174		$	263		$	286		$	248		$	241		$	238		$	11.1
Ratio	1.35		%	1.47		%	1.38		%	1.84		%	2.38		%	2.21		%	1.94		%	2.14		%
EMEA	$	20		$	19		$	35		$	36		$	56		$	94		$	85		$	80		$	3.0
Ratio	0.75		%	0.61		%	1.12		%	1.28		%	2.22		%	3.35		%	2.83		%	2.67		%
Latin America	$	542		$	631		$	603		$	566		$	554		$	695		$	600		$	555		$	12.2
Ratio	3.74		%	4.10		%	4.31		%	4.80		%	5.04		%	5.89		%	5.04		%	4.55		%
Asia	$	255		$	274		$	262		$	261		$	310		$	350		$	315		$	273		$	17.7
Ratio	1.49		%	1.53		%	1.57		%	1.57		%	2.04		%	2.15		%	1.85		%	1.54		%
Citi Holdings - Local Consumer Lending (2)	$	7,632		$	8,600		$	10,139		$	12,027		$	14,199		$	14,834		$	16,657		$	17,793		$	293.4
Ratio	2.04		%	2.39		%	2.87		%	3.51		%	4.36		%	4.71		%	5.51		%	6.26		%
International	$	892		$	987		$	1,033		$	1,152		$	1,362		$	1,535		$	1,447		$	1,345		$	33.1
Ratio	1.71		%	1.91		%	2.21		%	2.68		%	3.47		%	3.81		%	3.88		%	4.06		%
North America Retail Partners Cards	$	636		$	698		$	810		$	1,017		$	956		$	917		$	885		$	851		$	18.9
Ratio	2.39		%	2.52		%	2.73		%	3.38		%	4.09		%	4.06		%	4.08		%	4.50		%
North America (excluding Cards) (2)	$	6,104		$	6,915		$	8,296		$	9,858		$	11,881		$	12,382		$	14,325		$	15,597		$	241.4
Ratio	2.06		%	2.47		%	2.99		%	3.65		%	4.51		%	4.92		%	5.88		%	6.71		%
Total Citigroup (excluding Special Asset Pool) (2)	$	9,244		$	10,342		$	11,829		$	13,737		$	16,097		$	17,052		$	18,647		$	19,728		$	418.1
Ratio	1.83		%	2.10		%	2.46		%	2.96		%	3.66		%	3.94		%	4.37		%	4.82		%

(1)	The ratio of 90+ days past due is calculated based on end-of-period loans, net of unearned income.
(2)	The 90 Days Past due and related ratio for North America LCL (excluding Cards) excludes U.S. Mortgage loans that are guaranteed by U.S. Government-sponsored Agencies since the potential loss predominantly resides with the U.S. Agencies. See Local Consumer Lending on page 23.
	This table presents consumer credit information on a held basis.

Reclassified to conform to the current period’s presentation

28

SUPPLEMENTAL DETAIL CONSUMER LOAND 30-89 DAYS DELINQUENCY AMOUNTS AND RATIOS BUSINESS VIEW(In millions of dollars, except loan amounts in billions of dollars)

	Loans 30-89 Days Past Due (1)																								EOP Loans
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q
	2008			2008			2008			2008			2009			2009			2009			2009			2009
Citicorp
Total	$	2,366		$	2,512		$	2,396		$	2,567		$	2,603		$	2,539		$	2,386		$	2,325		$	124.7
Ratio	1.83		%	1.91		%	1.89		%	2.11		%	2.30		%	2.16		%	1.92		%	1.86		%
Retail Bank
Total	$	1,032		$	1,053		$	999		$	1,111		$	1,092		$	1,068		$	1,002		$	1,011		$	80.7
Ratio	1.25		%	1.26		%	1.24		%	1.46		%	1.51		%	1.41		%	1.25		%	1.25		%
North America	$	51		$	73		$	58		$	100		$	93		$	87		$	80		$	82		$	7.2
Ratio	2.04		%	1.97		%	1.18		%	1.54		%	1.33		%	1.21		%	1.07		%	1.14		%
EMEA	$	136		$	152		$	165		$	194		$	213		$	235		$	230		$	203		$	5.2
Ratio	1.97		%	2.03		%	2.29		%	3.08		%	3.87		%	4.12		%	4.04		%	3.90		%
Latin America	$	326		$	349		$	332		$	261		$	290		$	322		$	299		$	300		$	18.2
Ratio	2.00		%	2.02		%	1.94		%	1.66		%	1.88		%	1.95		%	1.69		%	1.65		%
Asia	$	519		$	479		$	444		$	556		$	496		$	424		$	393		$	426		$	50.1
Ratio	0.92		%	0.87		%	0.87		%	1.17		%	1.11		%	0.92		%	0.80		%	0.85		%
Citi-Branded Cards
Total	$	1,334		$	1,459		$	1,397		$	1,456		$	1,511		$	1,471		$	1,384		$	1,314		$	44.0
Ratio	2.83		%	3.04		%	3.01		%	3.20		%	3.71		%	3.49		%	3.12		%	2.98		%
North America	$	172		$	165		$	184		$	277		$	278		$	226		$	241		$	251		$	11.1
Ratio	1.33		%	1.42		%	1.46		%	1.94		%	2.32		%	2.02		%	1.94		%	2.26		%
EMEA	$	80		$	90		$	98		$	118		$	126		$	141		$	150		$	135		$	3.0
Ratio	2.96		%	2.90		%	3.16		%	4.21		%	5.04		%	5.04		%	5.00		%	4.50		%
Latin America	$	692		$	782		$	739		$	636		$	681		$	683		$	595		$	558		$	12.2
Ratio	4.77		%	5.08		%	5.28		%	5.39		%	6.19		%	5.79		%	5.00		%	4.57		%
Asia	$	390		$	422		$	376		$	425		$	426		$	421		$	398		$	370		$	17.7
Ratio	2.28		%	2.36		%	2.25		%	2.56		%	2.80		%	2.58		%	2.34		%	2.09		%
Citi Holdings - Local Consumer Lending (2)	$	10,205		$	11,157		$	12,045		$	13,743		$	12,488		$	12,735		$	13,189		$	12,258		$	293.4
Ratio	2.72		%	3.10		%	3.40		%	4.01		%	3.83		%	4.05		%	4.36		%	4.31		%
International	$	1,610		$	1,634		$	1,668		$	1,830		$	1,948		$	1,832		$	1,717		$	1,467		$	33.1
Ratio	3.09		%	3.16		%	3.56		%	4.26		%	4.97		%	4.55		%	4.60		%	4.43		%
North America Retail Partners Cards	$	928		$	923		$	1,197		$	1,343		$	1,098		$	1,036		$	1,083		$	948		$	18.9
Ratio	3.49		%	3.33		%	4.03		%	4.46		%	4.69		%	4.54		%	4.99		%	5.02		%
North America (excluding Cards) (2)	$	7,667		$	8,600		$	9,180		$	10,570		$	9,442		$	9,867		$	10,389		$	9,843		$	241.4
Ratio	2.59		%	3.07		%	3.31		%	3.91		%	3.58		%	3.92		%	4.27		%	4.24		%
Total Citigroup (excluding Special Asset Pool) (2)	$	12,571		$	13,669		$	14,441		$	16,310		$	15,091		$	15,274		$	15,575		$	14,583		$	418.1
Ratio	2.49		%	2.78		%	3.01		%	3.51		%	3.44		%	3.53		%	3.65		%	3.56		%

(1)	The ratio of 30-89 days past due is calculated based on end-of-period loans, net of unearned income.
(2)	The 30-89 Days Past due and related ratio for North America LCL (excluding Cards) excludes U.S. Mortgage loans that are guaranteed by U.S. Government-sponsored Agencies since the potential loss predominantly resides with the U.S. Agencies. See Local Consumer Lending on page 23.
	This table presents consumer credit information on a held basis.

Reclassified to conform to the current period’s presentation

29

ALLOWANCE FOR CREDIT LOSSES - PAGE 1 TOTAL CITIGROUP (In millions of dollars)

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Total Citigroup
Allowance for Loan Losses at Beginning of Period	$	16,117		$	18,257		$	20,777		$	24,005		$	29,616		$	31,703		$	35,940		$	36,416				$	16,117		$	29,616
Gross Credit (Losses)	(4,100		)	(4,769		)	(5,343		)	(6,548		)	(7,660		)	(8,773		)	(8,449		)	(7,902		)	(21	)%	(20,760		)	(32,784		)	(58	)%
Gross Recoveries	462			459			423			405			378			418			480			767			89	%	1,749			2,043			17	%
Net Credit (Losses) / Recoveries (NCL’s)	(3,638		)	(4,310		)	(4,920		)	(6,143		)	(7,282		)	(8,355		)	(7,969		)	(7,135		)	(16	)%	(19,011		)	(30,741		)	(62	)%
NCL’s	3,638			4,310			4,920			6,143			7,282			8,355			7,969			7,135			16	%	19,011			30,741			62	%
Net Reserve Builds / (Releases)	1,804			2,543			3,422			3,528			2,262			2,921			113			445			(87	)%	11,297			5,741			(49	)%
Net Specific Reserve Builds / (Releases)	135			130			601			2,500			371			957			689			261			(90	)%	3,366			2,278			(32	)%
Provision for Loan Losses	5,577			6,983			8,943			12,171			9,915			12,233			8,771			7,841			(36	)%	33,674			38,760			15	%
Other (3) (4)	201			(153		)	(795		)	(417		)	(546		)	359			(326		)	(1,089		)			(1,164		)	(1,602		)
Allowance for Loan Losses at End of Period (1) (2) (a)	$	18,257		$	20,777		$	24,005		$	29,616		$	31,703		$	35,940		$	36,416		$	36,033				$	29,616		$	36,033
Allowance for Unfunded Lending Commitments (5) (a)	$	1,250		$	1,107		$	957		$	887		$	947		$	1,082		$	1,074		$	1,157				$	887		$	1,157
Provision for Unfunded Lending Commitments	$	—		$	(143	)	$	(150	)	$	(70	)	$	60		$	135		$	—		$	49				$	(363	)	$	244
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	19,507		$	21,884		$	24,962		$	30,503		$	32,650		$	37,022		$	37,490		$	37,190				$	30,503		$	37,190
Total Allowance for Loan Losses as a Percentage of Total Loans	2.31		%	2.78		%	3.35		%	4.27		%	4.82		%	5.60		%	5.85		%	6.09		%
Allowance for Loan Losses at End of Period (1):
Citicorp	$	5,461		$	6,143		$	6,651		$	7,684		$	8,520		$	10,046		$	10,286		$	10,066
Citi Holdings	12,796			14,634			17,354			21,932			23,183			25,894			26,130			25,967
Total Citigroup	$	18,257		$	20,777		$	24,005		$	29,616		$	31,703		$	35,940		$	36,416		$	36,033

(1)	Allowance for Credit Losses represents management’s estimate of probable losses inherent in the portfolio. Attribution of the allowance is made for analytical purposes only, and the entire allowance is available to absorb probable credit losses inherent in the portfolio.
(2)	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, $2,760 million, $3,810 million, $4,587 million and $4,819 million as of March 31, 2008, June 30, 2008, September 30, 2008, December 31, 2008, March 31, 2009, June 30, 2009, September 30, 2009 and December 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.
(4)	The 2009 fourth quarter includes a reduction of approximately $330 million related to securitizations and approximately $400 million related to the sale or transfers to held-for-sale of U.S. Real Estate Lending Loans.
(5)	Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

30

ALLOWANCE FOR CREDIT LOSSES - PAGE 2 TOTAL CITIGROUP (In millions of dollars)

																									4Q09 vs.		Full			Full			FY 2009 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year			Year			FY 2008 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)		2008			2009			(Decrease)
Total Citigroup Consumer Loans
Allowance for Loan Losses at Beginning of Period	$	12,493		$	14,452		$	16,542		$	19,086		$	22,204		$	24,036		$	27,969		$	28,420				$	12,493		$	22,204
Net Credit (Losses) / Recoveries (NCL’s)	(3,538		)	(3,948		)	(4,598		)	(5,077		)	(5,711		)	(6,607		)	(6,428		)	(6,060		)	(19	)%	(17,161		)	(24,806		)	(45	)%
NCL’s	3,538			3,948			4,598			5,077			5,711			6,607			6,428			6,060			19	%	17,161			24,806			45	%
Net Reserve Builds / (Releases)	1,788			2,213			3,121			2,781			1,739			2,401			128			722			(74	)%	9,903			4,990			(50	)%
Net Specific Reserve Builds / (Releases)	(1		)	33			112			734			560			1,002			765			295			(60	)%	878			2,622			NM
Provision for Loan Losses	5,325			6,194			7,831			8,592			8,010			10,010			7,321			7,077			(18	)%	27,942			32,418			16	%
Other (3) (4)	172			(156		)	(689		)	(397		)	(467		)	530			(442		)	(1,040		)			(1,070		)	(1,419		)	(33	)%
Allowance for Loan Losses at End of Period (1) (2) (a)	$	14,452		$	16,542		$	19,086		$	22,204		$	24,036		$	27,969		$	28,420		$	28,397				$	22,204		$	28,397
Consumer Allowance for Unfunded Lending Commitments (5) (a)	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	6				$	—		$	6
Provision for Unfunded Lending Commitments	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	(6	)			$	—		$	(6	)
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	14,452		$	16,542		$	19,086		$	22,204		$	24,036		$	27,969		$	28,420		$	28,403				$	22,204		$	28,403
Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans	2.62		%	3.15		%	3.83		%	4.61		%	5.29		%	6.25		%	6.44		%	6.70		%
Total Citigroup Corporate Loans
Allowance for Loan Losses at Beginning of Period	$	3,624		$	3,805		$	4,235		$	4,919		$	7,412		$	7,667		$	7,971		$	7,996				$	3,624		$	7,412
Net Credit (Losses) / Recoveries (NCL’s)	(100		)	(362		)	(322		)	(1,066		)	(1,571		)	(1,748		)	(1,541		)	(1,075		)	(1	)%	(1,850		)	(5,935		)	NM
NCL’s	100			362			322			1,066			1,571			1,748			1,541			1,075			1	%	1,850			5,935			NM
Net Reserve Builds / (Releases)	16			330			301			747			523			520			(15		)	(277		)	NM		1,394			751			(46	)%
Net Specific Reserve Builds / (Releases)	136			97			489			1,766			(189		)	(45		)	(76		)	(34		)	NM		2,488			(344		)	NM
Provision for Loan Losses	252			789			1,112			3,579			1,905			2,223			1,450			764			(79	)%	5,732			6,342			11	%
Other (3)	29			3			(106		)	(20		)	(79		)	(171		)	116			(49		)			(94		)	(183		)
Allowance for Loan Losses at End of Period (1) (b)	$	3,805		$	4,235		$	4,919		$	7,412		$	7,667		$	7,971		$	7,996		$	7,636				$	7,412		$	7,636
Corporate Allowance for Unfunded Lending Commitments (5) (b)	$	1,250		$	1,107		$	957		$	887		$	947		$	1,082		$	1,074		$	1,151				$	887		$	1,151
Provision for Unfunded Lending Commitments	$	—		$	(143	)	$	(150	)	$	(70	)	$	60		$	135		$	—		$	55				$	(363	)	$	250
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (b)]	$	5,055		$	5,342		$	5,876		$	8,299		$	8,614		$	9,053		$	9,070		$	8,787				$	8,299		$	8,787
Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans	1.60		%	1.91		%	2.25		%	3.48		%	3.77		%	4.11		%	4.42		%	4.56		%

(1)	Allowance for Credit Losses represents management’s estimate of probable losses inherent in the portfolio. Attribution of the allowance is made for analytical purposes only, and the entire allowance is available to absorb probable credit losses inherent in the portfolio.
(2)	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, $2,760 million, $3,810 million, $4,587 million and $4,819 million as of March 31, 2008, June 30, 2008, September 30, 2008, December 31, 2008, March 31, 2009, June 30, 2009, September 30, 2009 and December 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.
(4)	The 2009 fourth quarter includes a reduction of approximately $330 million related to securitizations and approximately $400 million related to the sale or transfer to held-for-sale of U.S. Real Estate Lending Loans.
(5)	Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

31

COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 1 CITICORP (In millions of dollars)

																								4Q09 vs.		Full		Full		FY 2009 vs.
	1Q			2Q		3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year		Year		FY 2008 Increase/
	2008			2008		2008			2008			2009			2009			2009			2009			(Decrease)		2008		2009		(Decrease)
Citicorp
Net Credit Losses	$	929		$	1,289	$	1,317		$	1,406		$	1,237		$	1,560		$	1,718		$	1,564		11	%	$	4,941	$	6,079	23	%
Credit Reserve Build / (Release)	474			573		799			1,373			940			1,165			465			(8		)	(101	)%	3,219		2,562		(20	)%
Consumer Banking
Net Credit Losses	$	863		$	981	$	1,096		$	1,084		$	1,160		$	1,392		$	1,426		$	1,378		27	%	$	4,024	$	5,356	33	%
Credit Reserve Build / (Release)	450			382		514			724			664			592			319			130			(82	)%	2,070		1,705		(18	)%
North America Consumer Banking
Net Credit Losses	145			136		144			190			258			305			280			308			62	%	615		1,151		87	%
Credit Reserve Build / (Release)	169			126		(9		)	177			242			130			30			44			(75	)%	463		446		(4	)%
Retail Banking
Net Credit Losses	25			27		35			58			56			86			79			88			52	%	145		309		NM
Credit Reserve Build / (Release)	17			—		36			84			21			20			29			11			(87	)%	137		81		(41	)%
Citi-Branded Cards
Net Credit Losses	120			109		109			132			202			219			201			220			67	%	470		842		79	%
Credit Reserve Build / (Release)	152			126		(45		)	93			221			110			1			33			(65	)%	326		365		12	%
EMEA Consumer Banking
Net Credit Losses	47			48		55			87			89			121			139			138			59	%	237		487		NM
Credit Reserve Build / (Release)	16			15		33			11			72			158			67			10			(9	)%	75		307		NM
Retail Banking
Net Credit Losses	30			31		36			63			60			74			84			84			33	%	160		302		89	%
Credit Reserve Build / (Release)	8			8		16			(8		)	36			86			38			(25		)	NM		24		135		NM
Citi-Branded Cards
Net Credit Losses	17			17		19			24			29			47			55			54			NM		77		185		NM
Credit Reserve Build / (Release)	8			7		17			19			36			72			29			35			84	%	51		172		NM
Latin America Consumer Banking
Net Credit Losses	466			555		640			544			541			612			656			626			15	%	2,205		2,435		10	%
Credit Reserve Build / (Release)	237			157		301			421			166			154			141			(3		)	(101	)%	1,116		458		(59	)%
Retail Banking
Net Credit Losses	100			128		147			113			112			140			113			150			33	%	488		515		6	%
Credit Reserve Build / (Release)	(16		)	26		14			105			7			32			60			(36		)	NM		129		63		(51	)%
Citi-Branded Cards
Net Credit Losses	366			427		493			431			429			472			543			476			10	%	1,717		1,920		12	%
Credit Reserve Build / (Release)	253			131		287			316			159			122			81			33			(90	)%	987		395		(60	)%
Asia Consumer Banking
Net Credit Losses	205			242		257			263			272			354			351			306			16	%	967		1,283		33	%
Credit Reserve Build / (Release)	28			84		189			115			184			150			81			79			(31	)%	416		494		19	%
Retail Banking
Net Credit Losses	70			95		99			101			95			114			103			77			(24	)%	365		389		7	%
Credit Reserve Build / (Release)	4			43		29			34			92			46			(20		)	43			26	%	110		161		46	%
Citi-Branded Cards
Net Credit Losses	135			147		158			162			177			240			248			229			41	%	602		894		49	%
Credit Reserve Build / (Release)	24			41		160			81			92			104			101			36			(56	)%	306		333		9	%
Institutional Clients Group (ICG)
Net Credit Losses	66			308		221			322			77			168			292			186			(42	)%	917		723		(21	)%
Credit Reserve Build / (Release)	24			191		285			649			276			573			146			(138		)	NM		1,149		857		(25	)%
Securities and Banking
Net Credit Losses	65			305		223			306			74			171			294			181			(41	)%	899		720		(20	)%
Credit Reserve Build / (Release)	23			183		288			632			278			565			151			(141		)	NM		1,126		853		(24	)%
Transaction Services
Net Credit Losses	1			3		(2		)	16			3			(3		)	(2		)	5			—		18		3		(83	)%
Credit Reserve Build / (Release)	1			8		(3		)	17			(2		)	8			(5		)	3			(82	)%	23		4		(83	)%
Total Citicorp Provision for Loan Losses	$	1,403		$	1,862	$	2,116		$	2,779		$	2,177		$	2,725		$	2,183		$	1,556		(44	)%	$	8,160	$	8,641	6	%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

32

COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 2 CITI HOLDINGS / TOTAL CITIGROUP (In millions of dollars)

																							4Q09 vs.		Full		Full			FY 2009 vs.
	1Q		2Q		3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/		Year		Year			FY 2008 Increase/
	2008		2008		2008			2008			2009			2009			2009			2009			(Decrease)		2008		2009			(Decrease)
Citi Holdings
Net Credit Losses	$	2,708	$	3,021	$	3,603		$	4,738		$	6,045		$	6,795		$	6,250		$	5,570		18	%	$	14,070	$	24,660		75	%
Credit Reserve Build / (Release)	1,466		2,100		3,224			4,654			1,694			2,711			338			714			(85	)%	11,444		5,457			(52	)%
Brokerage and Asset Management
Net Credit Losses	10		—		1			(1		)	2			1			—			—			100	%	10		3			(70	)%
Credit Reserve Build / (Release)	1		9		(3		)	1			43			3			(11		)	1			0	%	8		36			NM
Local Consumer Lending
Net Credit Losses	2,647		2,982		3,487			4,035			4,532			5,156			4,929			4,620			14	%	13,151		19,237			46	%
Credit Reserve Build / (Release)	1,294		1,862		2,702			2,734			1,587			2,812			604			901			(67	)%	8,592		5,904			(31	)%
Special Asset Pool
Net Credit Losses	51		39		115			704			1,511			1,638			1,321			950			35	%	909		5,420			NM
Credit Reserve Build / (Release)	171		229		525			1,919			64			(104		)	(255		)	(188		)	NM		2,844		(483		)	NM
Total Citi Holdings Provision for Loan Losses	$	4,174	$	5,121	$	6,827		$	9,392		$	7,739		$	9,506		$	6,588		$	6,284		(33	)%	$	25,514	$	30,117		18	%
Total Citicorp Provision for Loan Losses from Prior Page	$	1,403	$	1,862	$	2,116		$	2,779		$	2,177		$	2,725		$	2,183		$	1,556		(44	)%	$	8,160	$	8,641		6	%
Corporate / Other	—		—		—			—			(1		)	2			—			1			—		—		2			—
Total Citigroup Provision for Loan Losses	$	5,577	$	6,983	$	8,943		$	12,171		$	9,915		$	12,233		$	8,771		$	7,841		(36	)%	$	33,674	$	38,760		15	%

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

33

NON-ACCRUAL ASSETS - PAGE 1
TOTAL CITIGROUP
(In millions of dollars)

																									4Q09 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	467		$	544		$	851		$	2,660		$	3,789		$	3,499		$	5,263		$	5,621		NM
EMEA	1,248			1,557			1,406			6,330			6,479			7,690			7,969			6,308			0	%
Latin America	68			74			125			229			300			230			416			569			NM
Asia	160			40			357			513			639			1,013			1,128			1,047			NM
Total	$	1,943		$	2,215		$	2,739		$	9,732		$	11,207		$	12,432		$	14,776		$	13,545		39	%
Consumer Non-Accrual Loans By Region (2)
North America	$	5,618		$	6,400		$	7,941		$	9,617		$	11,687		$	12,154		$	14,609		$	15,555		62	%
EMEA	775			856			904			948			1,128			1,356			1,314			1,159			22	%
Latin America	1,296			1,441			1,343			1,290			1,338			1,520			1,342			1,340			4	%
Asia	703			714			616			710			751			784			643			585			(18	)%
Total	$	8,392		$	9,411		$	10,804		$	12,565		$	14,904		$	15,814		$	17,908		$	18,639		48	%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
ICG	$	546		$	487		$	404		$	337		$	272		$	258		$	258		$	112		(67	)%
Regional Consumer Banking	33			25			21			34			35			33			26			36			6	%
Brokerage and Asset Management	1			1			1			1			1			1			1			—			—
Local Consumer Lending	885			1,009			1,091			1,021			853			662			579			528			(48	)%
Special Asset Pool	—			—			—			—			—			1			5			813			—
Corporate/Other	88			88			85			40			41			14			15			11			(73	)%
TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	1,553		$	1,610		$	1,602		$	1,433		$	1,202		$	969		$	884		$	1,500		5	%
OREO By Region:
North America	$	1,483		$	1,528		$	1,525		$	1,349		$	1,115		$	789		$	682		$	1,294		(4	)%
EMEA	48			63			61			66			65			97			105			121			83	%
Latin America	19			17			14			16			20			29			40			45			NM
Asia	3			2			2			2			2			54			57			40			NM
Total	$	1,553		$	1,610		$	1,602		$	1,433		$	1,202		$	969		$	884		$	1,500		5	%
Other Repossessed Assets (4)	$	107		$	94		$	81		$	78		$	78		$	72		$	76		$	73		(6	)%
Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	1,943		$	2,215		$	2,739		$	9,732		$	11,207		$	12,432		$	14,776		$	13,545		39	%
Consumer Non-Accrual Basis Loans	8,392			9,411			10,804			12,565			14,904			15,814			17,908			18,639			48	%
Non-Accrual Loans (NAL)	10,335			11,626			13,543			22,297			26,111			28,246			32,684			32,184			44	%
OREO	1,553			1,610			1,602			1,433			1,202			969			884			1,500			5	%
Other Repossessed Assets	107			94			81			78			78			72			76			73			(6	)%
Non-Accrual Assets (NAA)	$	11,995		$	13,330		$	15,226		$	23,808		$	27,391		$	29,287		$	33,644		$	33,757		42	%
NAL as a % of Total Loans	1.31		%	1.56		%	1.89		%	3.21		%	3.97		%	4.40		%	5.25		%	5.44		%
NAA as a % of Total Assets	0.55		%	0.63		%	0.74		%	1.23		%	1.50		%	1.58		%	1.78		%	1.82		%
Allowance for Loan Losses as a % of NAL	177		%	179		%	177		%	133		%	121		%	127		%	111		%	112		%

(1)	Corporate loans are placed on non-accrual status based upon a review by the Company’s Risk officers. Corporate non-accrual loans may still be current on interest payments. With limited exceptions, the following practices are applied for Consumer loans. Consumer loans, excluding credit cards and mortgages, are placed on non-accrual status at 90 days past due, and are charged off at 120 days past due. Residential mortgage loans are placed on non-accrual status at 90 days past due and written down to net realizable value at 180 days past due. Credit card loans accrue interest until 180 days past due, at which time they are charged off.
(2)	Excludes SOP 3-03 purchased distressed loans.
(3)	Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup 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-accrual assets. As such, analysis against the industry is not always comparable.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

34

NON-ACCRUAL ASSETS - PAGE 2
TOTAL CITICORP
(In millions of dollars)

																									4Q09 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	51		$	103		$	180		$	390		$	690		$	716		$	992		$	1,156		NM
EMEA	100			124			115			504			548			1,752			1,472			1,137			NM
Latin America	21			22			37			68			89			80			150			285			NM
Asia	149			31			273			402			498			497			385			347			(14	)%
Total	$	321		$	280		$	605		$	1,364		$	1,825		$	3,045		$	2,999		$	2,925		NM
Consumer Non-Accrual Loans By Region (2)
North America	$	241		$	247		$	71		$	119		$	154		$	177		$	262		$	207		74	%
EMEA	152			150			155			129			174			170			251			228			77	%
Latin America	1,285			1,429			1,331			1,281			1,331			1,512			1,310			1,300			1	%
Asia	317			332			246			300			345			410			309			308			3	%
Total	$	1,995		$	2,158		$	1,803		$	1,829		$	2,004		$	2,269		$	2,132		$	2,043		12	%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
ICG	$	546		$	487		$	404		$	337		$	272		$	258		$	258		$	112		(67	)%
Regional Consumer Banking	33			25			21			34			35			33			26			36			6	%
TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	579		$	512		$	425		$	371		$	307		$	291		$	284		$	148		(60	)%
OREO By Region:
North America	$	558		$	494		$	410		$	354		$	286		$	193		$	173		$	60		(83	)%
EMEA	—			—			—			—			—			16			15			13			—
Latin America	18			16			13			15			19			28			39			35			NM
Asia	3			2			2			2			2			54			57			40			NM
Total	$	579		$	512		$	425		$	371		$	307		$	291		$	284		$	148		(60	)%
Other Repossessed Assets (4)	N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	321		$	280		$	605		$	1,364		$	1,825		$	3,045		$	2,999		$	2,925		NM
Consumer Non-Accrual Basis Loans	1,995			2,158			1,803			1,829			2,004			2,269			2,132			2,043			12	%
Non-Accrual Loans (NAL)	2,316			2,438			2,408			3,193			3,829			5,314			5,131			4,968			56	%
OREO	579			512			425			371			307			291			284			148			(60	)%
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	2,895		$	2,950		$	2,833		$	3,564		$	4,136		$	5,605		$	5,415		$	5,116		44	%
NAA as a % of Total Assets	0.24		%	0.25		%	0.24		%	0.36		%	0.43		%	0.57		%	0.53		%	0.47		%
Allowance for Loan Losses as a % of NAL	236		%	252		%	276		%	241		%	223		%	189		%	200		%	203		%

N/A	Not Available at the Citicorp level. See “Non-Performing Assets - Page 1” (on page 34) for Total Citigroup balances.
(1)	Corporate loans are placed on non-accrual status based upon a review by the Company’s Risk officers. Corporate non-accrual loans may still be current on interest payments. With limited exceptions, the following practices are applied for Consumer loans. Consumer loans, excluding credit cards and mortgages, are placed on non-accrual status at 90 days past due, and are charged off at 120 days past due. Residential mortgage loans are placed on non-accrual status at 90 days past due and written down to net realizable value at 180 days past due. Credit card loans accrue interest until 180 days past due, at which time they are charged off.
(2)	Excludes SOP 3-03 purchased distressed loans.
(3)	Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup 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-accrual assets. As such, analysis against the industry is not always comparable.

NM  Not meaningful

Reclassified to conform to the current period’s presentation.

35

NON-ACCRUAL ASSETS - PAGE 3 TOTAL CITI HOLDINGS (In millions of dollars)

																									4Q09 vs.
	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q			4Q08 Increase/
	2008			2008			2008			2008			2009			2009			2009			2009			(Decrease)
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	416		$	441		$	671		$	2,270		$	3,099		$	2,783		$	4,271		$	4,465		97	%
EMEA	1,148			1,433			1,291			5,826			5,931			5,938			6,497			5,171			(11	)%
Latin America	47			52			88			161			211			150			266			284			76	%
Asia	11			9			84			111			141			516			743			700			NM
Total	$	1,622		$	1,935		$	2,134		$	8,368		$	9,382		$	9,387		$	11,777		$	10,620		27	%
Consumer Non-Accrual Loans By Region (2)
North America	$	5,377		$	6,153		$	7,870		$	9,498		$	11,533		$	11,977		$	14,347		$	15,348		62	%
EMEA	623			706			749			819			954			1,186			1,063			931			14	%
Latin America	11			12			12			9			7			8			32			40			NM
Asia	386			382			370			410			406			374			334			277			(32	)%
Total	$	6,397		$	7,253		$	9,001		$	10,736		$	12,900		$	13,545		$	15,776		$	16,596		55	%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
Brokerage and Asset Management	$	1		$	1		$	1		$	1		$	1		$	1		$	1		$	—		(100	)%
Local Consumer Lending	885			1,009			1,091			1,021			853			662			579			528			(48	)%
Special Asset Pool	—			—			—			—			—			1			5			813			—
TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	886		$	1,010		$	1,092		$	1,022		$	854		$	664		$	585		$	1,341		31	%
OREO By Region:
North America	$	837		$	946		$	1,030		$	955		$	788		$	582		$	494		$	1,223		28	%
EMEA	48			63			61			66			65			81			90			108			64	%
Latin America	1			1			1			1			1			1			1			10			NM
Asia	—			—			—			—			—			—			—			—			—
Total	$	886		$	1,010		$	1,092		$	1,022		$	854		$	664		$	585		$	1,341		31	%
Other Repossessed Assets (4)	N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	1,622		$	1,935		$	2,134		$	8,368		$	9,382		$	9,387		$	11,777		$	10,620		27	%
Consumer Non-Accrual Basis Loans	6,397			7,253			9,001			10,736			12,900			13,545			15,776			16,596			55	%
Non-Accrual Loans (NAL)	8,019			9,188			11,135			19,104			22,282			22,932			27,553			27,216			42	%
OREO	886			1,010			1,092			1,022			854			664			585			1,341			31	%
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	8,905		$	10,198		$	12,227		$	20,126		$	23,136		$	23,596		$	28,138		$	28,557		42	%
NAA as a % of Total Assets	0.99		%	1.22		%	1.58		%	2.81		%	3.49		%	3.64		%	4.56		%	5.22		%
Allowance for Loan Losses as a % of NAL	160		%	159		%	156		%	115		%	104		%	113		%	95		%	95		%

N/A	Not Available at the Citi Holdings level. See “Non-Performing Assets - Page 1” (on page 34) for Total Citigroup balances.
(1)	Corporate loans are placed on non-accrual status based upon a review by the Company’s Risk officers. Corporate non-accrual loans may still be current on interest payments. With limited exceptions, the following practices are applied for Consumer loans. Consumer loans, excluding credit cards and mortgages, are placed on non-accrual status at 90 days past due, and are charged off at 120 days past due. Residential mortgage loans are placed on non-accrual status at 90 days past due and written down to net realizable value at 180 days past due. Credit card loans accrue interest until 180 days past due, at which time they are charged off.
(2)	Excludes SOP 3-03 purchased distressed loans.
(3)	Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup 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-accrual assets. As such, analysis against the industry is not always comparable.
NM Not meaningful
Reclassified to conform to the current period’s presentation.

36

CITIGROUP NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS - PAGE 1 (In millions of dollars)

Managed-basis (Managed) presentations detail certain non-GAAP financial measures.  Managed presentations (applicable only to North American credit card operations, as securitizations are not done in any other regions) include results from both the on-balance sheet loans and off- balance sheet loans, and exclude the impact of card securitization activity. Managed presentations assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as Citigroup’s owned loans. Citigroup believes that Managed presentations are useful to investors because they are widely used by analysts and investors within the credit card industry. Managed presentations are commonly used by other companies within the financial services industry.

The following tables present a reconciliation of Citigroup’s Managed presentations within this Financial Data Supplement to their most comparable GAAP measure.

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2008			2008			2008			2008			2009			2009			2009			2009
For Page 8 - Citicorp Regional Consumer Banking (page 2):
Citi-Branded Cards Key Indicators
Average Managed Loans - as disclosed	$	118.1		$	119.2		$	118.4		$	113.5		$	110.6		$	110.8		$	112.7		$	114.2
Impact from Credit Card Securitizations	68.8			71.2			71.3			70.2			67.5			68.7			69.9			68.8
Average Loans	$	49.3		$	48.0		$	47.1		$	43.3		$	43.1		$	42.1		$	42.8		$	45.4
EOP Managed Loans - as disclosed	$	118.0		$	119.7		$	117.5		$	115.0		$	109.0		$	112.8		$	115.1		$	115.6
Impact from Credit Card Securitizations	70.8			71.7			71.1			69.5			68.3			70.7			70.8			71.6
EOP Loans	$	47.2		$	48.0		$	46.4		$	45.5		$	40.7		$	42.1		$	44.3		$	44.0
Managed Average Yield - as disclosed	14.04		%	14.14		%	14.29		%	13.98		%	14.67		%	14.43		%	14.36		%	13.89		%
Impact from Credit Card Securitizations	(3.40		)%	(4.23		)%	(3.96		)%	(2.88		)%	(2.01		)%	(2.22		)%	(2.08		)%	(2.08		)%
Average Yield	17.44		%	18.37		%	18.25		%	16.86		%	16.68		%	16.65		%	16.44		%	15.97		%
Managed Net Int Rev as a % of Avg. Managed Loans - as disclosed	10.49		%	11.20		%	11.28		%	11.00		%	12.31		%	11.98		%	11.64		%	11.14		%
Impact from Credit Card Securitizations	(3.68		)%	(4.26		)%	(3.81		)%	(3.12		)%	(1.99		)%	(3.62		)%	(3.52		)%	(3.19		)%
Net Interest Revenue as a % of Avg. Loans	14.17		%	15.46		%	15.09		%	14.12		%	14.30		%	15.60		%	15.16		%	14.33		%
Managed Net Credit Losses as a % of Avg. Managed Loans - as disclosed	5.17		%	5.89		%	6.39		%	7.02		%	8.53		%	10.18		%	10.29		%	9.40		%
Impact from Credit Card Securitizations	(0.04		)%	0.01		%	(0.19		)%	0.15		%	0.66		%	0.89		%	0.58		%	0.84		%
Net Credit Losses as a % of Avg. Loans	5.21		%	5.88		%	6.58		%	6.87		%	7.87		%	9.29		%	9.71		%	8.56		%
Managed Net Credit Margin as a % of Avg. Managed Loans - as disclosed	10.08		%	9.44		%	8.59		%	7.56		%	7.18		%	4.43		%	4.30		%	4.91		%
Impact from Credit Card Securitizations	(13.42		)%	(12.40		)%	(6.59		)%	(9.15		)%	(11.34		)%	(9.05		)%	(7.73		)%	(7.29		)%
Net Credit Margin as a % of Avg. Loans	23.50		%	21.84		%	15.18		%	16.71		%	18.52		%	13.48		%	12.03		%	12.20		%
Managed Loans 90+ Days Past Due - as disclosed	$	2,196		$	2,347		$	2,407		$	2,669		$	3,011		$	3,285		$	2,971		$	3,048
Impact from Credit Card Securitizations	(1,205		)	(1,252		)	(1,333		)	(1,543		)	(1,805		)	(1,898		)	(1,730		)	(1,902		)
Loans 90+ Days Past Due	$	991		$	1,095		$	1,074		$	1,126		$	1,206		$	1,387		$	1,241		$	1,146
Managed Loans 90+ Days Past Due as a % of EOP Managed Loans - as disclosed	1.86		%	1.96		%	2.05		%	2.32		%	2.76		%	2.91		%	2.58		%	2.64		%
Impact from Credit Card Securitizations	(0.24		)%	(0.33		)%	(0.26		)%	(0.15		)%	(0.19		)%	(0.38		)%	(0.22		)%	0.04		%
Loans 90+ Days Past Due as a % of EOP Loans	2.10		%	2.29		%	2.31		%	2.47		%	2.95		%	3.29		%	2.80		%	2.60		%
Managed Loans 30-89 Days Past Due - as disclosed	$	2,680		$	2,808		$	2,961		$	3,227		$	3,437		$	3,154		$	3,227		$	3,139
Impact from Credit Card Securitizations	(1,346		)	(1,349		)	(1,564		)	(1,771		)	(1,926		)	(1,683		)	(1,843		)	(1,825		)
Loans 30-89 Days Past Due	$	1,334		$	1,459		$	1,397		$	1,456		$	1,511		$	1,471		$	1,384		$	1,314
Managed Loans 30-89 Days Past Due as a % of EOP Managed Loans - as disclosed	2.27		%	2.35		%	2.52		%	2.81		%	3.15		%	2.80		%	2.80		%	2.71		%
Impact from Credit Card Securitizations	(0.56		)%	(0.69		)%	(0.49		)%	(0.39		)%	(0.56		)%	(0.69		)%	(0.32		)%	(0.27		)%
Loans 30-89 Days Past Due as a % of EOP Loans	2.83		%	3.04		%	3.01		%	3.20		%	3.71		%	3.49		%	3.12		%	2.98		%

Reclassified to conform to the current period’s presentation.

37

CITIGROUPNON-GAAP FINANCIAL MEASURES - RECONCILIATIONS - PAGE 2
(In millions of dollars)

Managed-basis (Managed) presentations detail certain non-GAAP financial measures.  Managed presentations (applicable only to North American credit card operations, as securitizations are not done in any other regions) include results from both the on-balance sheet loans and off- balance sheet loans, and exclude the impact of card securitization activity.  Managed presentations assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as Citigroup’s owned loans. Citigroup believes that Managed presentations are useful to investors because they are widely used by analysts and investors within the credit card industry. Managed presentations are commonly used by other companies within the financial services industry.

The following tables present a reconciliation of Citigroup’s Managed presentations within this Financial Data Supplement to their most comparable GAAP measure.

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2008			2008			2008			2008			2009			2009			2009			2009
For Page 10 - Citicorp Regional Consumer Banking - North America (page 2):
Citi-Branded Cards Key Indicators
Managed Average Yield - as disclosed	11.38		%	11.09		%	11.55		%	11.91		%	13.09		%	12.78		%	12.86		%	12.26		%
Impact from Credit Card Securitizations	0.92		%	1.24		%	0.76		%	1.58		%	1.50		%	1.69		%	1.45		%	1.40		%
Average Yield	10.46		%	9.85		%	10.79		%	10.33		%	11.59		%	11.09		%	11.41		%	10.86		%
Managed Net Interest Revenue as a % of Avg. Managed Loans - as disclosed	7.70		%	8.12		%	8.64		%	9.03		%	11.03		%	10.51		%	10.13		%	9.53		%
Impact from Credit Card Securitizations	0.65		%	1.17		%	0.65		%	0.24		%	0.08		%	(4.39		)%	(3.98		)%	(2.59		)%
Net Interest Revenue as a % of Avg. Loans	7.05		%	6.95		%	7.99		%	8.79		%	10.95		%	14.90		%	14.11		%	12.12		%
Managed Net Credit Losses	$	1,001		$	1,152		$	1,232		$	1,386		$	1,692		$	2,056		$	2,077		$	1,947
Impact from Credit Card Securitizations	(881		)	(1,043		)	(1,123		)	(1,254		)	(1,490		)	(1,837		)	(1,876		)	(1,727		)
Net Credit Losses	$	120		$	109		$	109		$	132		$	202		$	219		$	201		$	220
Managed Net Credit Losses as a % of Avg. Managed Loans - as disclosed	4.79		%	5.54		%	5.90		%	6.68		%	8.42		%	10.26		%	10.15		%	9.45		%
Impact from Credit Card Securitizations	1.61		%	2.03		%	2.23		%	2.41		%	2.60		%	2.74		%	3.09		%	2.68		%
Net Credit Losses as a % of Avg. Loans	3.18		%	3.51		%	3.67		%	4.27		%	5.82		%	7.52		%	7.06		%	6.77		%
Managed Net Credit Margin as a % of Avg. Managed Loans - as disclosed	6.88		%	5.96		%	5.35		%	5.22		%	4.91		%	1.89		%	1.92		%	2.10		%
Impact from Credit Card Securitizations	(28.95		)%	(27.76		)%	(6.75		)%	(18.78		)%	(23.86		)%	(17.78		)%	(14.58		)%	(10.66		)%
Net Credit Margin as a % of Avg. Loans	35.83		%	33.72		%	12.10		%	24.00		%	28.77		%	19.67		%	16.50		%	12.76		%
Managed Loans 90+ Days Past Due - as disclosed	$	1,379		$	1,423		$	1,507		$	1,806		$	2,091		$	2,146		$	1,971		$	2,140
Impact from Credit Card Securitizations	(1,205		)	(1,252		)	(1,333		)	(1,543		)	(1,805		)	(1,898		)	(1,730		)	(1,902		)
Loans 90+ Days Past Due	$	174		$	171		$	174		$	263		$	286		$	248		$	241		$	238
Managed Loans 90+ Days Past Due as a% of EOP Managed Loans - as disclosed	1.65		%	1.71		%	1.80		%	2.16		%	2.60		%	2.62		%	2.37		%	2.59		%
Impact from Credit Card Securitizations	0.30		%	0.24		%	0.42		%	0.32		%	0.22		%	0.41		%	0.43		%	0.45		%
Loans 90+ Days Past Due as a % of EOP Loans	1.35		%	1.47		%	1.38		%	1.84		%	2.38		%	2.21		%	1.94		%	2.14		%
Managed Loans 30-89 Days Past Due - as disclosed	$	1,518		$	1,514		$	1,748		$	2,048		$	2,204		$	1,909		$	2,084		$	2,076
Impact from Credit Card Securitizations	(1,346		)	(1,349		)	(1,564		)	(1,771		)	(1,926		)	(1,683		)	(1,843		)	(1,825		)
Loans 30-89 Days Past Due	$	172		$	165		$	184		$	277		$	278		$	226		$	241		$	251
Managed Loans 30-89 Days Past Due as a% of EOP Managed Loans - as disclosed	1.81		%	1.82		%	2.09		%	2.44		%	2.74		%	2.33		%	2.50		%	2.51		%
Impact from Credit Card Securitizations	0.48		%	0.40		%	0.63		%	0.50		%	0.42		%	0.31		%	0.56		%	0.25		%
Loans 30-89 Days Past Due as a % of EOP Loans	1.33		%	1.42		%	1.46		%	1.94		%	2.32		%	2.02		%	1.94		%	2.26		%

Reclassified to conform to the current period’s presentation.

38

CITIGROUP
NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS - PAGE 3
(In millions of dollars)

Managed-basis (Managed) presentations detail certain non-GAAP financial measures.  Managed presentations (applicable only to North American credit card operations, as securitizations are not done in any other regions) include results from both the on-balance sheet loans and off- balance sheet loans, and exclude the impact of card securitization activity. Managed presentations assume that securitized loans have not been sold and present the results of the securitized loans in the same manner as Citigroup’s owned loans. Citigroup believes that Managed presentations are useful to investors because they are widely used by analysts and investors within the credit card industry. Managed presentations are commonly used by other companies within the financial services industry.

The following tables present a reconciliation of Citigroup’s Managed presentations within this Financial Data Supplement to their most comparable GAAP measure.

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2008			2008			2008			2008			2009			2009			2009			2009
For Page 23 - Citi Holdings - Local Consumer Lending (page 2):
North America - Retail Partners Cards Key Indicators
EOP Managed Loans - as disclosed	$	66.2		$	67.0		$	66.5		$	66.4		$	61.1		$	60.4		$	58.2		$	57.7
Impact from Credit Card Securitizations	39.6			39.3			36.8			36.3			37.7			37.6			36.5			38.8
EOP Loans	$	26.6		$	27.7		$	29.7		$	30.1		$	23.4		$	22.8		$	21.7		$	18.9
Managed Average Yield - as disclosed	15.97		%	15.97		%	16.26		%	16.26		%	17.53		%	18.56		%	18.54		%	18.65		%
Impact from Credit Card Securitizations	1.63		%	(0.36		)%	0.18		%	(0.36		)%	(0.38		)%	(2.58		)%	(3.90		)%	(2.28		)%
Average Yield	14.34		%	16.33		%	16.08		%	16.62		%	17.91		%	21.14		%	22.44		%	20.93		%
Managed Net Interest Revenue - as disclosed	$	2,232		$	2,256		$	2,354		$	2,279		$	2,277		$	2,271		$	2,337		$	2,234
Impact from Credit Card Securitizations	1,484			1,357			1,481			1,322			1,393			1,455			1,431			1,420
Net Interest Revenue	$	748		$	899		$	873		$	957		$	884		$	816		$	906		$	814
Managed Net Int Rev as a % of Avg. Managed Loans - as disclosed	13.28		%	13.62		%	14.04		%	13.76		%	14.50		%	14.96		%	15.50		%	15.23		%
Impact from Credit Card Securitizations	3.12		%	1.28		%	2.12		%	1.29		%	1.96		%	1.09		%	0.29		%	1.31		%
Net Interest Revenue as a % of Avg. Loans	10.16		%	12.34		%	11.92		%	12.47		%	12.54		%	13.87		%	15.21		%	13.92		%
Managed Net Credit Losses - as disclosed	$	1,194		$	1,290		$	1,458		$	1,622		$	1,958		$	2,150		$	2,004		$	1,963
Impact from Credit Card Securitizations	711			725			812			862			1,057			1,278			1,137			1,118
Net Credit Losses	$	483		$	565		$	646		$	760		$	901		$	872		$	867		$	845
Managed Net Credit Losses as a % of Avg. Managed Loans - as disclosed	7.10		%	7.79		%	8.70		%	9.79		%	12.47		%	14.16		%	13.30		%	13.38		%
Impact from Credit Card Securitizations	0.54		%	0.02		%	(0.13		)%	(0.12		)%	(0.29		)%	(0.83		)%	(1.28		)%	(1.05		)%
Net Credit Losses as a % of Avg. Loans	6.56		%	7.77		%	8.83		%	9.91		%	12.76		%	14.99		%	14.58		%	14.43		%
Managed Net Credit Margin - as disclosed	$	1,305		$	1,204		$	1,118		$	937		$	507		$	90		$	362		$	427
Impact from Credit Card Securitizations	(73		)	38			868			(47		)	(90		)	210			(186		)	(386		)
Net Credit Margin	$	1,378		$	1,166		$	250		$	984		$	597		$	(120	)	$	548		$	813
Managed Net Credit Margin as a % of Avg. Managed Loans - as disclosed	7.76		%	7.27		%	6.67		%	5.66		%	3.23		%	0.59		%	2.40		%	2.91		%
Impact from Credit Card Securitizations	(10.96		)%	(8.74		)%	3.25		%	(7.17		)%	(5.24		)%	2.63		%	(6.81		)%	(10.99		)%
Net Credit Margin as a % of Avg. Loans	18.72		%	16.01		%	3.42		%	12.83		%	8.47		%	(2.04		)%	9.21		%	13.90		%
Managed Loans 90+ Days Past Due - as disclosed	$	1,556		$	1,609		$	1,725		$	2,130		$	2,289		$	2,131		$	2,104		$	2,177
Impact from Credit Card Securitizations	920			911			915			1,113			1,333			1,214			1,219			1,326
Loans 90+ Days Past Due	$	636		$	698		$	810		$	1,017		$	956		$	917		$	885		$	851
Managed Loans 90+ Days Past Due as a % of EOP Managed Loans - as disclosed	2.35		%	2.40		%	2.59		%	3.21		%	3.75		%	3.53		%	3.62		%	3.77		%
Impact from Credit Card Securitizations	(0.04		)%	(0.12		)%	(0.14		)%	(0.17		)%	(0.34		)%	(0.53		)%	(0.46		)%	(0.73		)%
Loans 90+ Days Past Due as a % of EOP Loans	2.39		%	2.52		%	2.73		%	3.38		%	4.09		%	4.06		%	4.08		%	4.50		%
Managed Loans 30-89 Days Past Due - as disclosed	$	2,065		$	2,010		$	2,481		$	2,739		$	2,533		$	2,462		$	2,607		$	2,403
Impact from Credit Card Securitizations	1,137			1,087			1,284			1,396			1,435			1,426			1,524			1,455
Loans 30-89 Days Past Due	$	928		$	923		$	1,197		$	1,343		$	1,098		$	1,036		$	1,083		$	948
Managed Loans 30-89 Days Past Due as a % of EOP Managed Loans - as disclosed	3.12		%	3.00		%	3.73		%	4.13		%	4.15		%	4.08		%	4.48		%	4.16		%
Impact from Credit Card Securitizations	(0.37		)%	(0.33		)%	(0.30		)%	(0.33		)%	(0.54		)%	(0.46		)%	(0.51		)%	(0.86		)%
Loans 30-89 Days Past Due as a % of EOP Loans	3.49		%	3.33		%	4.03		%	4.46		%	4.69		%	4.54		%	4.99		%	5.02		%

39

CITIGROUP
NON-GAAP FINANCIAL MEASURES  — RECONCILIATIONS - PAGE 4
(In millions of dollars)

Tangible common equity (TCE), as defined by Citigroup, represents Common equity less Goodwill and Intangible assets (excluding MSRs) net of the related deferred tax liabilities. TCE and the TCE Ratio are non-GAAP financial measures.  Other companies may calculate TCE in a manner different from Citigroup.  A reconciliation of Citigroup’s total stockholders’ equity to TCE follows:

	1Q			2Q			3Q			4Q			1Q			2Q			3Q			4Q
	2008			2008			2008			2008			2009			2009			2009			2009
Tangible Book Value Per Share (page 1):
Total Common Equity	$	108,684		$	108,981		$	98,638		$	70,966		$	69,688		$	78,001		$	140,530		$	152,388
Less:
Goodwill - as reported	43,471			42,386			39,662			27,132			26,410			25,578			25,423			25,392
Intangible Assets (other than MSRs) - as reported	16,229			15,608			15,118			14,159			13,612			10,098			8,957			8,714
Goodwill and Intangible Assets - recorded as Assets ofDiscontinued Operations Held For Sale	—			—			—			—			—			3,618			3,856			—
Goodwill and Intangible Assets - recorded as Assets Held for Sale	—			—			—			—			—			—			1,377			—
Related Net Deferred Taxes	(3,088		)	(1,802		)	(1,802		)	(1,382		)	(1,254		)	(1,296		)	(1,381		)	(68		)
Tangible Common Equity	$	50,072		$	52,789		$	45,660		$	31,057		$	30,920		$	40,003		$	102,298		$	118,214
Common Shares Outstanding, at period end	5,249.8			5,445.4			5,449.5			5,450.1			5,512.8			5,507.7			22,863.9			28,483.30
Tangible Book Value Per Share	$	9.92		$	9.69		$	8.38		$	5.70		$	5.61		$	7.26		$	4.47		$	4.15

Reclassified to conform to the current period’s presentation.

40