CITIGROUP – FINANCIAL SUMMARY

(In millions of dollars, except per share amounts)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Total Managed Revenues (1)	$	26,973		$	33,095		$	23,142		$	7,882		$	25,421		(6	)%
Total Managed Net Credit Losses (1)	$	9,830		$	11,470		$	10,982		$	9,980		$	8,384		(15	)%

Total Revenues, Net of Interest Expense	$	24,521		$	29,969		$	20,390		$	5,405		$	25,421		4	%
Total Operating Expenses	11,685			11,999			11,824			12,314			11,518			(1	)%
Net Credit Losses	7,282			8,355			7,969			7,135			8,384			15	%
Credit Reserve Build / (Release)	2,633			3,878			802			706			(18		)	NM
Provision for Unfunded Lending Commitments	60			135			—			49			(35		)	NM
Provision for Benefits & Claims	332			308			324			294			287			(14	)%
Provision for Credit Losses and for Benefits and Claims	10,307			12,676			9,095			8,184			8,618			(16	)%
Income (Loss) from Continuing Operations before Income Taxes	2,529			5,294			(529		)	(15,093		)	5,285			NM
Income Taxes (benefits)	835			907			(1,122		)	(7,353		)	1,036			24	%
Income (Loss) from Continuing Operations	$	1,694		$	4,387		$	593		$	(7,740	)	$	4,249		NM
Income (Loss) from Discontinued Operations, net of Taxes	(117		)	(142		)	(418		)	232			211			NM
Net Income (Loss) before Attribution of Noncontrolling Interests	1,577			4,245			175			(7,508		)	4,460			NM
Net Income (Loss) Attributable to Noncontrolling Interests	(16		)	(34		)	74			71			32			NM
Citigroup’s Net Income (Loss)	$	1,593		$	4,279		$	101		$	(7,579	)	$	4,428		NM

Diluted Earnings Per Share:
Income (Loss) from Continuing Operations (2)	$	(0.16	)	$	0.51		$	(0.23	)	$	(0.34	)	$	0.14		NM
Citigroup’s Net Income (Loss) (2)	$	(0.18	)	$	0.49		$	(0.27	)	$	(0.33	)	$	0.15		NM
Shares (in millions):
Average Basic	5,385.0			5,399.5			12,104.3			23,384.4			28,444.3			NM
Average Diluted	5,953.3			5,967.8			12,216.0			24,260.0			29,333.5			NM
Common Shares Outstanding, at period end	5,512.8			5,507.7			22,863.9			28,483.3			28,620.2			NM

Preferred Dividends - Basic (in millions)	$	1,274		$	1,549		$	288		$	—		$	—
Preferred Dividends - Diluted (in millions)	$	1,004		$	1,279		$	288		$	—		$	—

Income Available to Common Shareholders - Basic
Income (Loss) from Continuing Operations (2)	$	(849	)	$	2,872		$	(2,824	)	$	(7,998	)	$	4,217		NM
Citigroup’s Net Income (Loss) (2)	$	(966	)	$	2,730		$	(3,242	)	$	(7,766	)	$	4,428		NM

Income Available to Common Shareholders - Diluted
Income (Loss) from Continuing Operations (2)	$	(579	)	$	3,142		$	(2,824	)	$	(7,998	)	$	4,217		NM
Citigroup’s Net Income (Loss) (2)	$	(696	)	$	3,000		$	(3,242	)	$	(7,766	)	$	4,428		NM

Financial Ratios:
Tier 1 Capital Ratio	11.92		%	12.74		%	12.76		%	11.67		%	11.2		%*
Total Capital Ratio	15.61		%	16.62		%	16.58		%	15.25		%	14.8		%*
Leverage Ratio	6.60		%	6.92		%	6.87		%	6.89		%	6.2		%*
Return on Common Equity	(5.6		)%	14.8		%	(12.2		)%	(21.6		)%	12.0		%*

Balance Sheet Data, EOP (in billions, except Book Value per Share):
Total Assets	$	1,822.6		$	1,848.5		$	1,888.6		$	1,856.6		$	2,002.2	*	10	%
Total Deposits	762.7			804.7			832.6			835.9			827.9		*	9	%
Citigroup’s Stockholders’ Equity	143.9			152.3			140.8			152.7			151.4		*	5	%
Equity and Trust Securities	168.6			176.5			175.4			172.0			173.1		*	3	%
Book Value Per Share	$	12.64		$	14.16		$	6.15		$	5.35		$	5.28	*	(58	)%
Tangible Book Value Per Share (3)	$	5.61		$	7.26		$	4.47		$	4.15		$	4.09	*	(27	)%

Direct Staff (in thousands)	309			279			276			265			263			(15	)%

(1)	Citigroup adopted SFAS 166/167 effective January 1, 2010. Beginning in the 2010 first quarter there is no longer a difference between GAAP Revenues and NCLs and those for Managed Revenues and NCLs. Prior quarters’ Managed Revenues and NCLs are included herein for comparative purposes to the 2010 first quarter revenues and net credit losses.
	See page 4 for additional information and pages 43 - 46 for additional reconciliations of managed measures to their most comparable GAAP measure.

(2)	The Diluted EPS calculation for 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.

(3)	Tangible Book Value per Share is a Non-GAAP financial measure. See page 46 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.

CITIGROUP CONSOLIDATED STATEMENT OF INCOME
(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)
Revenues
Interest revenue	$	20,583		$	19,671		$	18,678		$	17,703		$	20,852		1	%
Interest expense	7,657			6,842			6,680			6,542			6,291			(18	)%
Net interest revenue	12,926			12,829			11,998			11,161			14,561			13	%

Commissions and fees	4,168			5,437			3,218			4,293			3,760			(10	)%
Principal transactions	3,670			433			1,660			(1,831		)	4,051			10	%
Administrative and other fiduciary fees	1,606			1,472			1,085			1,032			1,022			(36	)%
Realized gains (losses) on investments	9			(160		)	(285		)	(474		)	31			NM
Insurance premiums	755			745			763			757			748			(1	)%
Other revenue (1)	1,387			9,213			1,951			(9,533		)	1,248			(10	)%
Total non-interest revenues	11,595			17,140			8,392			(5,756		)	10,860			(6	)%
Total revenues, net of interest expense	24,521			29,969			20,390			5,405			25,421			4	%

Provisions for Credit Losses and for Benefits and Claims

Net credit losses (NCLs)	7,282			8,355			7,969			7,135			8,384			15	%
Net build / (Release)	2,633			3,878			802			706			(18		)	NM
Provision for loan losses	9,915			12,233			8,771			7,841			8,366			(16	)%
Policyholder benefits and claims	332			308			324			294			287			(14	)%
Provision for unfunded lending commitments	60			135			—			49			(35		)	NM
Total provisions for credit losses and for benefits and claims	10,307			12,676			9,095			8,184			8,618			(16	)%

Operating Expenses
Compensation and benefits	6,235			6,359			6,136			6,257			6,162			(1	)%
Premises and Equipment	1,083			1,091			1,035			1,130			965			(11	)%
Technology / communication expense	1,142			1,154			1,114			1,163			1,064			(7	)%
Advertising and marketing expense	334			351			317			413			302			(10	)%
Restructuring-related items	(13		)	(32		)	(34		)	(34		)	(3		)	77	%
Other operating	2,904			3,076			3,256			3,385			3,028			4	%
Total operating expenses	11,685			11,999			11,824			12,314			11,518			(1	)%

Income (Loss) from Continuing Operations before Income Taxes	2,529			5,294			(529		)	(15,093		)	5,285			NM
Provision (benefits) for income taxes	835			907			(1,122		)	(7,353		)	1,036			24	%

Income (Loss) from Continuing Operations	1,694			4,387			593			(7,740		)	4,249			NM
Discontinued Operations (2)
Income (Loss) from Discontinued Operations	(152		)	(279		)	(204		)	(18		)	(5		)
Gain (Loss) on Sale	(12		)	14			—			100			94
Provision (benefits) for income taxes	(47		)	(123		)	214			(150		)	(122		)
Income (Loss) from Discontinued Operations, net	(117		)	(142		)	(418		)	232			211			NM
Net Income (Loss) before attribution of Minority Interests	1,577			4,245			175			(7,508		)	4,460			NM
Net Income (Loss) attributable to noncontrolling Minority Interests (Minority Interest)	(16		)	(34		)	74			71			32			NM
Citigroup’s Net Income (Loss)	$	1,593		$	4,279		$	101		$	(7,579	)	$	4,428		NM

(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 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.

CITIGROUP CONSOLIDATED BALANCE SHEET

(In millions of dollars)

																March 31, 2010
																vs.
	March 31,			June 30,			September 30,			December 31,			March 31,			December 31, 2009
	2009			2009			2009			2009			2010 (1)			Inc (Decr)
Assets
Cash and due from banks (including segregated cash and other deposits)	$	31,063		$	26,915		$	26,482		$	25,472		$	25,678		1	%
Deposits with banks	159,503			182,577			217,730			167,414			163,525			(2	)%
Fed funds sold and securities borr’d or purch under agree. to resell	179,603			179,503			197,357			222,022			234,348			6	%
Brokerage receivables	43,329			34,598			34,667			33,634			34,001			1	%
Trading account assets	335,222			325,037			340,697			342,773			345,783			1	%
Investments
Available-for-sale and non-marketable equity securities	178,046			207,135			206,074			254,592			270,385			6	%
Held-to-maturity	60,760			59,622			55,816			51,527			46,348			(10	)%
Total Investments	238,806			266,757			261,890			306,119			316,733			3	%
Loans, net of unearned income
Consumer	453,963			447,652			441,491			424,057			531,469			25	%
Corporate	203,329			194,038			180,720			167,447			190,335			14	%
Loans, net of unearned income	657,292			641,690			622,211			591,504			721,804			22	%
Allowance for loan losses	(31,703		)	(35,940		)	(36,416		)	(36,033		)	(48,746		)	35	%
Total loans, net	625,589			605,750			585,795			555,471			673,058			21	%
Goodwill	26,410			25,578			25,423			25,392			25,662			1	%
Intangible assets (other than MSR’s)	13,612			10,098			8,957			8,714			8,277			(5	)%
Mortgage servicing rights (MSR’s)	5,481			6,770			6,228			6,530			6,439			(1	)%
Other assets	163,960			165,538			159,769			163,105			168,709			3	%
Assets related to discontinued operations held for sale	—			19,412			23,604			—			—			—
Total assets	$	1,822,578		$	1,848,533		$	1,888,599		$	1,856,646		$	2,002,213		8	%

Liabilities
Non-interest-bearing deposits in U.S. offices	$	78,008		$	77,180		$	77,460		$	71,325		$	66,796		(6	)%
Interest-bearing deposits in U.S. offices	219,910			234,250			244,856			232,093			230,919			(1	)%
Total U.S. Deposits	297,918			311,430			322,316			303,418			297,715			(2	)%
Non-interest-bearing deposits in offices outside the U.S.	36,602			40,389			40,606			44,904			45,471			1	%
Interest-bearing deposits in offices outside the U.S.	428,176			452,917			469,681			487,581			484,728			(1	)%
Total International Deposits	464,778			493,306			510,287			532,485			530,199			—

Total deposits	762,696			804,736			832,603			835,903			827,914			(1	)%
Fed funds purch and securities loaned or sold under agree. to repurch.	184,803			172,016			178,159			154,281			207,911			35	%
Brokerage payables	58,950			52,696			57,672			60,846			55,041			(10	)%
Trading account liabilities	128,671			117,512			130,540			137,512			142,748			4	%
Short-term borrowings	116,389			101,894			64,731			68,879			96,694			40	%
Long-term debt	337,252			348,046			379,557			364,019			439,274			21	%
Other liabilities (2)	87,890			85,091			86,384			80,233			78,852			(2	)%
Liabilities related to discontinued operations held for sale	—			12,374			16,004			—			—			—
Total liabilities	$	1,676,651		$	1,694,365		$	1,745,650		$	1,701,673		$	1,848,434		9	%

Equity
Stockholders’ Equity
Preferred Stock	$	74,246		$	74,301		$	312		$	312		$	312		—
Common Stock	57			57			230			286			287			—
Additional paid-in capital	16,525			16,663			78,802			98,142			96,427			(2	)%
Retained earnings	86,115			88,874			85,208			77,440			73,432			(5	)%
Treasury stock	(5,996		)	(5,950		)	(6,059		)	(4,543		)	(1,178		)	(74	)%
Accumulated other comprehensive income (loss)	(27,013		)	(21,643		)	(17,651		)	(18,937		)	(17,859		)	6	%
Total Common Equity	$	69,688		$	78,001		$	140,530		$	152,388		$	151,109		(1	)%

Total Citigroup stockholders’ equity	$	143,934		$	152,302		$	140,842		$	152,700		$	151,421		(1	)%
Noncontrolling Minority interests (Minority Interest)	1,993			1,866			2,107			2,273			2,358			4	%
Total equity	145,927			154,168			142,949			154,973			153,779			(1	)%
Total liabilities and equity	$	1,822,578		$	1,848,533		$	1,888,599		$	1,856,646		$	2,002,213		8	%

(1) Preliminary

(2) Includes allowance for credit losses for letters of credit and unfunded lending commitments of $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, $1,157 million for the fourth quarter of 2009 and $1,122 million for the first quarter of 2010, respectively.

Reclassified to conform to the current period’s presentation.

CITIGROUP

SEGMENT DETAIL

NET REVENUE

(In millions of dollars)

														1Q10 vs.
	1Q			2Q			3Q		4Q			1Q		1Q09 Increase/
	2009			2009			2009		2009			2010		(Decrease)

CITICORP
Regional Consumer Banking
North America	$	2,503		$	2,182		$	2,017	$	1,874		$	3,801	52	%
EMEA	360			394			415		386			405		13	%
Latin America	1,924			1,950			1,971		2,072			2,076		8	%
Asia	1,566			1,675			1,717		1,808			1,800		15	%
Total	6,353			6,201			6,120		6,140			8,082		27	%

Securities and Banking
North America	5,016			1,721			1,301		795			3,553		(29	)%
EMEA	4,222			2,558			2,202		1,067			2,515		(40	)%
Latin America	800			1,049			705		867			607		(24	)%
Asia	2,162			1,373			683		588			1,328		(39	)%
Total	12,200			6,701			4,891		3,317			8,003		(34	)%
Transaction Services
North America	589			656			643		638			639		8	%
EMEA	844			860			845		840			833		(1	)%
Latin America	343			340			337		353			344		—
Asia	598			627			632		644			621		4	%
Total	2,374			2,483			2,457		2,475			2,437		3	%

Total Citicorp	20,927			15,385			13,468		11,932			18,522		(11	)%

CITI HOLDINGS
Brokerage and Asset Management	1,607			12,220			525		271			340		(79	)%
Local Consumer Lending	6,021			3,481			4,362		3,901			4,670		(22	)%
Special Asset Pool	(4,534		)	(376		)	1,363		287			1,540		NM
Total Citi Holdings	3,094			15,325			6,250		4,459			6,550		NM

Corporate / Other	500			(741		)	672		(10,986		)	349		(30	)%

Total Citigroup - Net Revenues	$	24,521		29,969			20,390		5,405			$	25,421	4	%

Impact of Credit Card Securitization Activity (1) (3)
Citicorp	1,484			1,644			1,800		1,744			—		(100	)%
Citi Holdings	968			1,482			952		733			—		(100	)%
Total Impact of Credit Card Securitization Activity	2,452			3,126			2,752		2,477			—		(100	)%

Total Citigroup - Managed Net Revenues (1) (2)	$	26,973		$	33,095		$	23,142	$	7,882		$	25,421	(6	)%

(1) Citigroup adopted SFAS 166/167 effective January 1, 2010. Beginning in the 2010 first quarter there is no longer a difference between GAAP Revenues and NCLs and those for Managed Revenues and NCLs. Prior quarters’ Managed Revenues and NCLs are included herein for comparative purposes to the 2010 first quarter revenues. See below for a discussion of Managed-basis reporting. Managed basis reporting impacts the North America Regional Consumer Banking - Citi Branded Cards and the Local Consumer Lending — Retail Partner Cards businesses.

The historical disclosures reflect the impact from credit card securitizations only.

The information above reconciles Managed disclosures to the most-relevant GAAP disclosures.

(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 43 - 46 for additional reconciliations of managed 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.

CITIGROUP

SEGMENT DETAIL

INCOME

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Income from Continuing Operations:

CITICORP
Regional Consumer Banking
North America	$	357		$	139		$	206		$	28		$	22		(94	)%
EMEA	(33		)	(110		)	(23		)	(43		)	27			NM
Latin America	219			116			77			113			389			78	%
Asia	248			279			444			461			576			NM
Total	791			424			704			559			1,014			28	%

Securities and Banking
North America	2,497			(32		)	7			(87		)	1,424			(43	)%
EMEA	2,171			746			550			(41		)	1,032			(52	)%
Latin America	412			527			219			378			272			(34	)%
Asia	1,056			597			71			114			478			(55	)%
Total	6,136			1,838			847			364			3,206			(48	)%

Transaction Services
North America	138			181			152			144			159			15	%
EMEA	326			350			308			303			306			(6	)%
Latin America	160			150			148			146			157			(2	)%
Asia	280			293			331			326			319			14	%
Total	904			974			939			919			941			4	%

Total Citicorp	7,831			3,236			2,490			1,842			5,161			(34	)%

CITI HOLDINGS
Brokerage and Asset Management	34			6,775			90			38			81			NM
Local Consumer Lending	(1,571		)	(4,347		)	(2,142		)	(2,356		)	(1,838		)	(17	)%
Special Asset Pool	(3,948		)	(1,246		)	58			(233		)	881			NM
Total Citi Holdings	(5,485		)	1,182			(1,994		)	(2,551		)	(876		)	84	%

Corporate / Other	(652		)	(31		)	97			(7,031		)	(36		)	94	%

Income (Loss) From Continuing Operations	1,694			4,387			593			(7,740		)	4,249			NM
Discontinued Operations	(117		)	(142		)	(418		)	232			211

Net Income (Loss) Attributable to Noncontrolling Minority Interests	(16		)	(34		)	74			71			32

Citigroup’s Net Income (Loss)	$	1,593		$	4,279		$	101		$	(7,579	)	$	4,428		NM

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

STATEMENT OF INCOME AND BALANCE SHEET SUMMARY

(In millions of dollars)

														1Q10 vs.
	1Q			2Q		3Q		4Q			1Q			1Q09 Increase/
	2009			2009		2009		2009			2010			(Decrease)
Revenues
Net interest revenue	$	8,511		$	8,774	$	8,727	$	8,420		$	9,870		16	%
Non-Interest revenue	12,416			6,611		4,741		3,512			8,652			(30	)%
Total revenues, net of interest expense	20,927			15,385		13,468		11,932			18,522			(11	)%

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	1,251			1,575		1,734		1,595			3,142			NM
Credit Reserve Build / (Release)	998			1,231		522		(36		)	(360		)	NM
Provision for loan losses	2,249			2,806		2,256		1,559			2,782			24	%
Provision for Benefits & Claims	42			42		43		37			44			5	%
Provision for unfunded lending commitments	32			83		—		23			(7		)	NM
Total provisions for credit losses and for benefits and claims	2,323			2,931		2,299		1,619			2,819			21	%

Total operating expenses	7,399			8,068		8,422		8,751			8,485			15	%

Income (Loss) from Continuing Operations before Income Taxes	11,205			4,386		2,747		1,562			7,218			(36	)%
Provision (benefits) for income taxes	3,374			1,150		257		(280		)	2,057			(39	)%

Income (Loss) from Continuing Operations	7,831			3,236		2,490		1,842			5,161			(34	)%
Net Income (Loss) attributable to noncontrolling Minority Interests (Minority Interest)	(3		)	3		25		43			21			NM
Citicorp’s Net Income (Loss)	$	7,834		$	3,233	$	2,465	$	1,799		$	5,140		(34	)%

Balance Sheet Data (in billions):

Total EOP Assets	$	1,022		$	1,051	$	1,075	$	1,138		$	1,236		21	%

Average Assets	$	1,103		$	1,068	$	1,095	$	1,119		$	1,240		12	%

Total EOP Deposits	$	664		$	706	$	731	$	734		$	730		10	%

Total GAAP Revenues	$	20,927		$	15,385	$	13,468	$	11,932		$	18,522		(11	)%
Net Impact of Credit Card Securitization Activity (1)	1,484			1,644		1,800		1,744			—			(100	)%
Total Managed Revenues	$	22,411		$	17,029	$	15,268	$	13,676		$	18,522		(17	)%

GAAP Net Credit Losses	$	1,251		$	1,575	$	1,734	$	1,595		$	3,142		NM
Impact of Credit Card Securitization Activity (1)	1,491			1,837		1,876		1,727			—			(100	)%
Total Managed Net Credit Losses	$	2,742		$	3,412	$	3,610	$	3,322		$	3,142		15	%

The historical disclosures reflect the impact from credit card securitizations only.

The information above reconciles Managed disclosures to the most-relevant GAAP disclosures.

See pages 43 - 46 for additional reconciliations of managed measures to their most comparable GAAP measure.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

Page 1

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Net Interest Revenue	$	3,842		$	4,140		$	4,216		$	4,206		$	5,917		54	%
Non-Interest Revenue	2,511			2,061			1,904			1,934			2,165			(14	)%
Total Revenues, Net of Interest Expense (1)	6,353			6,201			6,120			6,140			8,082			27	%
Total Operating Expenses	3,504			3,703			3,778			4,056			3,937			12	%
Net Credit Losses	1,174			1,406			1,442			1,388			3,040			NM
Credit Reserve Build / (Release)	686			619			356			158			(180		)	NM
Provision for Benefits & Claims	42			42			43			37			44			5	%
Provision for Loan Losses and for Benefits and Claims	1,902			2,067			1,841			1,583			2,904			53	%
Income (loss) from Continuing Operations before Taxes	947			431			501			501			1,241			31	%
Income Taxes (benefits)	156			7			(203		)	(58		)	227			46	%
Income (loss) from Continuing Operations	791			424			704			559			1,014			28	%
Net Income (loss) Attributable to Minority Interests	—			—			2			(2		)	(5		)	—
Net Income (Loss)	$	791		$	424		$	702		$	561		$	1,019		29	%
Average Assets (in billions of dollars)	$	229		$	239		$	248		$	253		$	308		34	%
Return on Assets	1.40		%	0.71		%	1.12		%	0.88		%	1.34		%

Net Credit Losses as a % of Average Loans	3.28		%	3.84		%	3.82		%	3.55		%	5.57		%

Revenue by Business
Retail Banking	$	3,537		$	3,789		$	3,760		$	3,756		$	3,814		8	%
Citi-Branded Cards	2,816			2,412			2,360			2,384			4,268			52	%
Total GAAP Revenues	6,353			6,201			6,120			6,140			8,082			27	%
Net Impact of Credit Card Securitization Activity (2)	1,484			1,644			1,800			1,744			—			(100	)%
Total Managed Revenues	$	7,837		$	7,845		$	7,920		$	7,884		$	8,082		3	%

Net Credit Losses by Business
Retail Banking	$	338		$	428		$	395		$	409		$	289		(14	)%
Citi-Branded Cards	836			978			1,047			979			2,751			NM
Total GAAP Net Credit Losses	1,174			1,406			1,442			1,388			3,040			NM
Impact of Credit Card Securitization Activity (2)	1,491			1,837			1,876			1,727			—			(100	)%
Total Managed Net Credit Losses	$	2,665		$	3,243		$	3,318		$	3,115		$	3,040		14	%

Income (loss) from Continuing Operations by Business
Retail Banking	$	650		$	635		$	698		$	610		$	848		30	%
Citi-Branded Cards	141			(211		)	6			(51		)	166			18	%
Total	$	791		$	424		$	704		$	559		$	1,014		28	%

(1) For Citi-Branded Cards, the fourth quarter of 2009 include releases $55 million, respectively, from the allowance for credit losses related to loan receivables that were securitized during the quarter.

The historical disclosures reflect the impact from credit card securitizations only.

The information above reconciles Managed disclosures to the most-relevant GAAP disclosures.

See pages 43 - 46 for additional reconciliations of managed measures to their most comparable GAAP measure.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
Page 2

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Retail Banking Key Indicators (in billions of dollars, except branches)

Branches	4,170			4,091			4,247			4,258			4,220			1	%
Accounts (in millions)	60.0			60.1			60.1			59.5			59.2			(1	)%

Average Deposits	$	256.4		$	272.2		$	278.7		$	291.7		$	289.2		13	%
Investment Sales (International Only)	$	15.3		$	25.0		$	22.9		$	21.6		$	23.9		56	%
Investment AUMs	$	93.5		$	107.2		$	116.3		$	117.3		$	120.8		29	%
Average Loans	$	101.1		$	103.6		$	106.0		$	108.8		$	109.5		8	%

EOP Loans:
Real Estate Lending	$	51.2		$	52.5		$	54.5		$	53.9		$	56.0
Commerical Markets	25.1			23.4			24.9			25.5			26.9
Personal and Other	24.8			27.3			28.4			27.6			27.7
EOP Loans	$	101.1		$	103.2		$	107.8		$	107.0		$	110.6		9	%

Net Interest Revenue as a % of Average Loans (2)	9.29		%	9.67		%	9.66		%	9.36		%	9.49		%
Net Credit Losses as a % of Average Loans	1.36		%	1.66		%	1.48		%	1.49		%	1.07		%
Loans 90+ Days Past Due	$	700		$	811		$	740		$	784		$	863		23	%
As a % of EOP Loans	0.69		%	0.79		%	0.69		%	0.73		%	0.78		%
Loans 30-89 Days Past Due	$	1,111		$	1,090		$	1,019		$	1,021		$	1,197		8	%
As a % of EOP Loans	1.10		%	1.06		%	0.95		%	0.95		%	1.08		%

Citi-Branded Cards Key Indicators (in billions of dollars) (3)
EOP Open Accounts (in millions)	57.2			55.8			54.6			53.1			51.3			(10	)%
Purchase Sales	$	59.6		$	63.6		$	65.5		$	67.6		$	60.1		1	%
Average Managed Loans (1)	$	112.5		$	112.7		$	114.4		$	115.9		$	112.0		—
EOP Managed Loans (1)	$	110.9		$	114.7		$	116.8		$	117.4		$	110.2		(1	)%
Managed Average Yield (4)	14.44		%	14.21		%	14.15		%	13.70		%	14.89		%
Managed Net Int Rev as a % of Avg. Managed Loans (5)	12.12		%	11.80		%	11.47		%	10.99		%	14.52		%
Managed NCLs as a % of Average Managed Loans	8.40		%	10.02		%	10.14		%	9.27		%	13.72		%
Managed Net Credit Margin as a % of Avg. Man. Loans (6)	7.07		%	4.37		%	4.24		%	4.84		%	5.51		%
Managed Loans 90+ Days Past Due	$	3,239		$	3,512		$	3,192		$	3,286		$	3,142		(3	)%
As a % of EOP Managed Loans	2.92		%	3.06		%	2.73		%	2.80		%	2.85		%
Managed Loans 30-89 Days Past Due	$	3,538		$	3,236		$	3,328		$	3,231		$	3,092		(13	)%
As a % of EOP Managed Loans	3.19		%	2.82		%	2.85		%	2.75		%	2.81		%

(1) Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

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

(3) Citigroup adopted SFAS 166/167 effective January 1, 2010. Beginning in the 2010 first quarter there is no longer a difference between GAAP Revenues and NCLs and those for Managed Revenues and NCLs. Prior quarters’ Managed Revenues and NCLs are included herein for comparative purposes to the 2010 first quarter revenues and net credit losses.
The historical disclosures reflect the impact from credit card securitizations only.
See pages 43 - 46 for additional reconciliations of managed measures to their most comparable GAAP measure.

(4) Managed Average Yield is gross interest revenue earned divided by average managed loans.

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

(6) 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.

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

	1Q 2009			2Q 2009			3Q 2009			4Q 2009			1Q 2010			1Q10 vs. 1Q09 Increase/ (Decrease)

Net Interest Revenue	$	1,192		$	1,330		$	1,387		$	1,295		$	2,954		NM
Non-Interest Revenue	1,311			852			630			579			847			(35	)%
Total Revenues, Net of Interest Expense (1)	2,503			2,182			2,017			1,874			3,801			52	%
Total Operating Expenses	1,494			1,486			1,499			1,508			1,611			8	%
Net Credit Losses	257			307			279			308			2,157			NM
Credit Reserve Build / (Release)	253			149			54			71			4			(98	)%
Provision for Benefits & Claims	13			15			14			8			8			(38	)%
Provision for Loan Losses and for Benefits and Claims	523			471			347			387			2,169			NM
Income (loss) from Continuing Operations before Taxes	486			225			171			(21		)	21			(96	)%
Income Taxes (benefits)	129			86			(35		)	(49		)	(1		)	(101	)%
Income (loss) from Continuing Operations	357			139			206			28			22			(94	)%
Net Income (loss) Attributable to Minority Interests	—			—			—			—			—			—
Net Income (Loss)	$	357		$	139		$	206		$	28		$	22		(94	)%
Average Assets (in billions of dollars)	$	72		$	74		$	75		$	71		$	121		68	%
Return on Assets	2.01		%	0.75		%	1.09		%	0.16		%	0.07		%

Net Credit Losses as a % of Average Loans	2.13		%	2.61		%	2.40		%	2.57		%	7.85		%

Revenue by Business
Retail Banking	$	1,296		$	1,376		$	1,333		$	1,232		$	1,280		(1	)%
Citi-Branded Cards	1,207			806			684			642			2,521			NM
Total GAAP Revenues	2,503			2,182			2,017			1,874			3,801			52	%
Net Impact of Credit Card Securitization Activity (2)	1,484			1,644			1,800			1,744			—			(100	)%
Total Managed Revenues	$	3,987		$	3,826		$	3,817		$	3,618		$	3,801		(5	)%

Net Credit Losses by Business
Retail Banking	$	56		$	88		$	78		$	88		$	73		30	%
Citi-Branded Cards	201			219			201			220			2,084			NM
Total GAAP NCLs	257			307			279			308			2,157			NM
Impact of Credit Card Securitization Activity (2)	1,491			1,837			1,876			1,727			—			(100	)%
Total Managed Net Credit Losses	$	1,748		$	2,144		$	2,155		$	2,035		$	2,157		23	%

Income (loss) from Continuing Operations by Business
Retail Banking	$	241		$	242		$	193		$	129		$	184		(24	)%
Citi-Branded Cards	116			(103		)	13			(101		)	(162		)	NM
Total	$	357		$	139		$	206		$	28		$	22		(94	)%

(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) Citigroup adopted SFAS 166/167 effective January 1, 2010. Beginning in the 2010 first quarter there is no longer a difference between GAAP Revenues and NCLs and those for Managed Revenues and NCLs. Prior quarters’ Managed Revenues and NCLs are included herein for comparative purposes to the 2010 first quarter revenues and net credit losses.
The historical disclosures reflect the impact from credit card securitizations only.
The information above reconciles Managed disclosures to the most-relevant GAAP disclosures.
See pages 43 - 46 for additional reconciliations of managed measures to their most comparable GAAP measure.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
NORTH AMERICA
Page 2

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Retail Banking Key Indicators (in billions of dollars, except branches)

Branches	1,000			1,001			1,002			1,003			1,003			—
Accounts (in millions)	13.4			13.5			13.6			13.6			13.5			1	%
Investment AUMs	$	30.3		$	31.8		$	34.1		$	33.4		$	32.6		8	%

Average Deposits	$	130.9		$	139.6		$	142.1		$	149.3		$	144.2		10	%

Average Loans	$	34.3		$	35.0		$	34.3		$	34.1		$	32.2		(6	)%

EOP Loans:
Real Estate Lending	$	27.0		$	26.3		$	26.7		$	24.9		$	24.4		(10	)%
Commerical Markets	2.0			2.0			2.3			2.1			2.1			5	%
Personal and Other	5.1			5.3			5.0			5.2			5.0			(2	)%
Total EOP Loans	$	34.1		$	33.6		$	34.0		$	32.2		$	31.5		(8	)%

Mortgage Originations	$	21.5		$	28.8		$	11.9		$	9.3		$	10.3		(52	)%

Third Party Mortgage Servicing Portfolio (EOP in billions)	$	164.2		$	176.8		$	186.2		$	187.0		$	191.2		16	%

Net Servicing & Gain/(Loss) on Sale	$	241.0		$	242.3		$	99.5		$	104.3		$	207.8		(14	)%

Net Interest Revenue as a % of Avg. Loans	2.10		%	2.11		%	2.18		%	2.16		%	2.30		%

Net Credit Losses as a % of Avg. Loans	0.66		%	1.00		%	0.91		%	1.04		%	0.94		%

Loans 90+ Days Past Due	$	99		$	97		$	92		$	106		$	142		43	%
As a % of EOP Loans	0.29		%	0.29		%	0.27		%	0.33		%	0.45		%

Loans 30-89 Days Past Due	$	92		$	87		$	82		$	81		$	236		NM
As a % of EOP Loans	0.27		%	0.26		%	0.24		%	0.25		%	0.75		%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
NORTH AMERICA
Page 3

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Citi-Branded Cards Key Indicators (in billions of dollars) (1)
EOP Open Accounts (in millions)	25.6			25.0			24.5			23.1			21.8			(15	)%
Purchase Sales	$	40.1		$	42.4		$	42.3		$	41.8		$	36.2		(10	)%

Average Managed Loans (2)
Off-Balance Sheet	$	68.4		$	69.6		$	70.8		$	69.7		$	—		(100	)%
On Balance Sheet	14.6			12.2			11.8			13.4			79.2			NM
Total	$	83.0		$	81.8		$	82.6		$	83.1		$	79.2		(5	)%

EOP Managed Loans (2)
Off-Balance Sheet	$	69.2		$	71.7		$	71.9		$	72.6		$	—		(100	)%
On Balance Sheet	12.5			11.6			12.8			11.5			77.7			NM
Total	$	81.7		$	83.3		$	84.7		$	84.1		$	77.7		(5	)%

Managed Average Yield (3)	12.86		%	12.57		%	12.64		%	12.05		%	13.58		%
Managed Net Int. Rev as a % of Avg. Managed Loans (4)	10.84		%	10.34		%	9.96		%	9.37		%	10.76		%
Managed Net Credit Losses	$	1,692		$	2,056		$	2,077		$	1,947		$	2,084		23	%
Managed NCLs as a % of Average Managed Loans	8.27		%	10.08		%	9.98		%	9.30		%	10.67		%
Managed Net Credit Margin as a % of Avg. Man. Loans (5)	4.82		%	1.86		%	1.89		%	2.06		%	2.24		%

Managed Loans 90+ Days Past Due	$	2,307		$	2,366		$	2,190		$	2,371		$	2,304		—
As a % of EOP Managed Loans	2.82		%	2.84		%	2.59		%	2.82		%	2.96		%

Managed Loans 30-89 Days Past Due	$	2,337		$	2,024		$	2,213		$	2,182		$	2,145		(8	)%
As a % of EOP Managed Loans	2.86		%	2.43		%	2.61		%	2.59		%	2.76		%

(1)	Citigroup adopted SFAS 166/167 effective January 1, 2010. Beginning in the 2010 first quarter there is no longer a difference between GAAP Revenues and NCLs and those for Managed Revenues and NCLs. Prior quarters’ Managed Revenues and NCLs are included herein for comparative purposes to the 2010 first quarter revenues and net credit losses.
	The historical disclosures reflect the impact from credit card securitizations only.
	See pages 43 - 46 for additional reconciliations of managed measures to their most comparable GAAP measure.

(2)	Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

(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.

CITICORP

REGIONAL CONSUMER BANKING

EMEA

PAGE 1

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Net Interest Revenue	$	224		$	243		$	262		$	250		$	248		11	%
Non-Interest Revenue	136			151			153			136			157			15	%
Total Revenues, Net of Interest Expense	360			394			415			386			405			13	%
Total Operating Expenses	256			282			270			286			277			8	%
Net Credit Losses	89			121			139			138			97			9	%
Credit Reserve Build / (Release)	72			158			67			10			(10		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—
Provision for Loan Losses and for Benefits and Claims	161			279			206			148			87			(46	)%
Income (loss) from Continuing Operations before Taxes	(57		)	(167		)	(61		)	(48		)	41			NM
Income Taxes (benefits)	(24		)	(57		)	(38		)	(5		)	14			NM
Income (loss) from Continuing Operations	(33		)	(110		)	(23		)	(43		)	27			NM
Net Income (loss) Attributable to Minority Interests	—			—			2			(2		)	—			—
Net Income (Loss)	$	(33	)	$	(110	)	$	(25	)	$	(41	)	$	27		NM
Average Assets (in billions of dollars)	$	11		$	11		$	11		$	11		$	10		(9	)%
Return on Assets	(1.22		)%	(4.01		)%	(0.90		)%	(1.48		)%	1.10		%

Net Credit Losses as a % of Average Loans	4.57		%	5.78		%	6.34		%	6.44		%	4.98		%

Revenue by Business
Retail Banking	$	205		$	234		$	237		$	213		$	222		8	%
Citi-Branded Cards	155			160			178			173			183			18	%
Total	$	360		$	394		$	415		$	386		$	405		13	%

Income (loss) from Continuing Operations by Business
Retail Banking	$	(41	)	$	(76	)	$	(23	)	$	(39	)	$	(6	)	85	%
Citi-Branded Cards	8			(34		)	—			(4		)	33			NM
Total	$	(33	)	$	(110	)	$	(23	)	$	(43	)	$	27		NM

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

EMEA

PAGE 2

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Retail Banking Key Indicators (in billions of dollars, except branches)

Branches	401			396			389			341			310			(23	)%
Accounts (in millions)	3.8			3.7			3.7			3.7			3.7			(3	)%
Average Deposits	$	8.3		$	9.0		$	9.5		$	9.9		$	9.7		17	%
Investment Sales	$	0.4		$	0.5		$	0.5		$	0.6		$	0.7		75	%
Investment AUMs	$	3.5		$	4.5		$	4.2		$	4.3		$	4.4		26	%
Average Loans	$	5.4		$	5.6		$	5.7		$	5.5		$	5.0		(7	)%
EOP Loans:
Real Estate Lending	$	0.1		$	0.1		$	0.1		$	0.1		$	0.1		—
Commerical Markets	1.8			1.9			1.9			1.6			1.5			(17	)%
Personal and Other	3.6			3.7			3.7			3.5			3.3			(8	)%
Total EOP Loans	$	5.5		$	5.7		$	5.7		$	5.2		$	4.9		(11	)%
Net Interest Revenue as a % of Average Loans (1)	9.26		%	9.78		%	9.77		%	8.87		%	10.23		%
Net Credit Losses as a % of Average Loans	4.50		%	5.34		%	5.84		%	5.99		%	3.88		%
Loans 90+ Days Past Due	$	58		$	70		$	62		$	60		$	52		(10	)%
As a % of EOP Loans	1.06		%	1.23		%	1.09		%	1.15		%	1.06		%
Loans 30-89 Days Past Due	$	213		$	235		$	230		$	203		$	182		(15	)%
As a % of EOP Loans	3.87		%	4.12		%	4.04		%	3.90		%	3.71		%

Citi-Branded Cards Key Indicators (in billions of dollars)
EOP Open Accounts (in millions)	2.8			2.8			2.7			2.7			2.6			(7	)%
Purchase Sales	$	1.8		$	1.9		$	2.2		$	2.5		$	2.1		17	%
Average Loans (2)	$	2.5		$	2.8		$	3.0		$	3.0		$	2.9		16	%
EOP Loans (2)	$	2.5		$	2.8		$	3.0		$	3.0		$	2.9		16	%
Average Yield (3)	19.77		%	20.23		%	20.69		%	21.06		%	21.31		%	8	%
Net Interest Revenue as a % of Avg. Loans (4)	16.17		%	15.11		%	16.22		%	16.79		%	17.13		%	6	%
Net Credit Losses as a % of Average Loans	4.68		%	6.70		%	7.24		%	7.13		%	6.97		%	49	%
Net Credit Margin as a % of Avg. Loans (5)	20.32		%	16.14		%	16.07		%	15.70		%	18.53		%	(9	)%
Loans 90+ Days Past Due	$	58		$	99		$	90		$	85		$	77		33	%
As a % of EOP Loans	2.33		%	3.54		%	3.01		%	2.82		%	2.66		%
Loans 30-89 Days Past Due	$	131		$	146		$	155		$	140		$	113		(14	)%
As a % of EOP Loans	5.24		%	5.21		%	5.17		%	4.67		%	3.91		%

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

(2) Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

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

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

(5) 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.

CITICORP

REGIONAL CONSUMER BANKING

LATIN AMERICA

PAGE 1

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Net Interest Revenue	$	1,275		$	1,368		$	1,366		$	1,390		$	1,458		14	%
Non-Interest Revenue	649			582			605			682			618			(5	)%
Total Revenues, Net of Interest Expense	1,924			1,950			1,971			2,072			2,076			8	%
Total Operating Expenses	958			1,090			1,127			1,263			1,142			19	%
Net Credit Losses	541			610			657			625			509			(6	)%
Credit Reserve Build / (Release)	166			156			141			(1		)	(136		)	NM
Provision for Benefits & Claims	29			27			29			29			36			24	%
Provision for Loan Losses and for Benefits and Claims	736			793			827			653			409			(44	)%
Income (loss) from Continuing Operations before Taxes	230			67			17			156			525			NM
Income Taxes (benefits)	11			(49		)	(60		)	43			136			NM
Income (loss) from Continuing Operations	219			116			77			113			389			78	%
Net Income (loss) Attributable to Minority Interests	—			—			—			—			(5		)	—
Net Income (Loss)	$	219		$	116		$	77		$	113		$	394		80	%
Average Assets (in billions of dollars)	$	60		$	66		$	66		$	70		$	72		20	%
Return on Assets	1.48		%	0.70		%	0.46		%	0.64		%	2.22		%

Net Credit Losses as a % of Average Loans	8.22		%	8.68		%	8.99		%	8.18		%	6.75		%

Revenue by Business
Retail Banking	$	1,026		$	1,112		$	1,114		$	1,183		$	1,196		17	%
Citi-Branded Cards	898			838			857			889			880			(2	)%
Total	$	1,924		$	1,950		$	1,971		$	2,072		$	2,076		8	%

Income (loss) from Continuing Operations by Business
Retail Banking	$	230		$	196		$	154		$	169		$	256		11	%
Citi-Branded Cards	(11		)	(80		)	(77		)	(56		)	133			NM
Total	$	219		$	116		$	77		$	113		$	389		78	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

REGIONAL CONSUMER BANKING

LATIN AMERICA

PAGE 2

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Retail Banking Key Indicators (in billions of dollars, except branches)

Branches	2,065			2,066			2,163			2,216			2,203			7	%
Accounts (in millions)	26.2			26.3			26.6			26.3			25.9			(1	)%
Average Deposits	$	34.1		$	36.0		$	35.8		$	37.9		$	39.6		16	%
Investment Sales	$	11.5		$	18.3		$	15.0		$	12.8		$	14.3		24	%
Investment AUMs	$	26.7		$	32.8		$	35.1		$	34.8		$	37.9		42	%
Average Loans	$	15.3		$	16.3		$	16.9		$	18.0		$	18.5		21	%
EOP Loans:
Real Estate Lending	$	2.5		$	2.8		$	2.8		$	3.2		$	3.6		44	%
Commerical Markets	8.5			7.6			8.0			9.1			9.8			15	%
Personal and Other	4.4			6.1			6.9			5.9			6.0			36	%
Total EOP Loans	$	15.4		$	16.5		$	17.7		$	18.2		$	19.4		26	%
Net Interest Revenue as a % of Average Loans (1)	16.80		%	17.23		%	16.32		%	16.10		%	17.31		%
Net Credit Losses as a % of Average Loans	2.96		%	3.45		%	2.65		%	3.31		%	1.96		%
Loans 90+ Days Past Due	$	280		$	360		$	324		$	382		$	433		55	%
As a % of EOP Loans	1.82		%	2.18		%	1.83		%	2.10		%	2.23		%
Loans 30-89 Days Past Due	$	290		$	322		$	299		$	300		$	357		23	%
As a % of EOP Loans	1.88		%	1.95		%	1.69		%	1.65		%	1.84		%

Citi-Branded Cards Key Indicators (in billions of dollars)
EOP Open Accounts (in millions)	12.9			12.5			12.3			12.2			12.1			(6	)%
Purchase Sales	$	5.9		$	6.5		$	7.2		$	8.1		$	7.3		24	%
Average Loans (2)	$	11.4		$	11.9		$	12.1		$	12.3		$	12.1		6	%
EOP Loans (2)	$	11.3		$	12.1		$	12.1		$	12.4		$	12.1		7	%
Average Yield (3)	25.90		%	24.92		%	24.26		%	23.80		%	24.58		%
Net Interest Revenue as a % of Avg. Loans (4)	22.67		%	22.45		%	22.00		%	21.35		%	22.43		%
Net Credit Losses as a % of Average Loans	15.30		%	15.86		%	17.83		%	15.37		%	14.03		%
Net Credit Margin as a % of Avg. Loans (5)	16.73		%	12.31		%	10.29		%	13.31		%	15.55		%
Loans 90+ Days Past Due	$	555		$	697		$	597		$	553		$	497		(10	)%
As a % of EOP Loans	4.91		%	5.76		%	4.93		%	4.46		%	4.11		%
Loans 30-89 Days Past Due	$	683		$	685		$	593		$	556		$	473		(31	)%
As a % of EOP Loans	6.04		%	5.66		%	4.90		%	4.48		%	3.91		%

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

(2) Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

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

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

(5) 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.

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

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Net Interest Revenue	$	1,151		$	1,199		$	1,201		$	1,271		$	1,257		9	%
Non-Interest Revenue	415			476			516			537			543			31	%
Total Revenues, Net of Interest Expense	1,566			1,675			1,717			1,808			1,800			15	%
Total Operating Expenses	796			845			882			999			907			14	%
Net Credit Losses	287			368			367			317			277			(3	)%
Credit Reserve Build / (Release)	195			156			94			78			(38		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—
Provision for Loan Losses and for Benefits and Claims	482			524			461			395			239			(50	)%
Income (loss) from Continuing Operations before Taxes	288			306			374			414			654			NM
Income Taxes (benefits)	40			27			(70		)	(47		)	78			95	%
Income (loss) from Continuing Operations	248			279			444			461			576			NM
Net Income (loss) Attributable to Minority Interests	—			—			—			—			—			—
Net Income (Loss)	$	248		$	279		$	444		$	461		$	576		NM
Average Assets (in billions of dollars)	$	86		$	88		$	96		$	101		$	105		22	%
Return on Assets	1.17		%	1.27		%	1.83		%	1.81		%	2.22		%

Net Credit Losses as a % of Average Loans	1.89		%	2.35		%	2.21		%	1.83		%	1.57		%

Revenue by Business
Retail Banking	$	1,010		$	1,067		$	1,076		$	1,128		$	1,116		10	%
Citi-Branded Cards	556			608			641			680			684			23	%
Total	$	1,566		$	1,675		$	1,717		$	1,808		$	1,800		15	%

Income (loss) from Continuing Operations by Business
Retail Banking	$	220		$	273		$	374		$	351		$	414		88	%
Citi-Branded Cards	28			6			70			110			162			NM
Total	$	248		$	279		$	444		$	461		$	576		NM

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
REGIONAL CONSUMER BANKING
ASIA
PAGE 2

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Retail Banking Key Indicators (in billions of dollars, except branches)

Branches	704			694			693			698			704			—
Accounts (in millions)	16.6			16.6			16.2			15.9			16.1			(3	)%
Average Deposits	$	83.1		$	87.6		$	91.3		$	94.6		$	95.7		15	%
Investment Sales	$	3.4		$	6.2		$	7.4		$	8.2		$	8.9		NM
Investment AUMs	$	33.0		$	38.1		$	42.9		$	44.8		$	45.9		39	%
Average Loans	$	46.1		$	46.7		$	49.1		$	51.2		$	53.8		17	%
EOP Loans:
Real Estate Lending	$	21.6		$	23.3		$	24.9		$	25.7		$	27.9		29	%
Commerical Markets	12.8			11.9			12.7			12.7			13.5			5	%
Personal and Other	11.7			12.2			12.8			13.0			13.4			15	%
Total EOP Loans	$	46.1		$	47.4		$	50.4		$	51.4		$	54.8		19	%
Net Interest Revenue as a % of Average Loans (1)	6.56		%	6.57		%	6.14		%	6.30		%	5.98		%
Net Credit Losses as a % of Average Loans	0.98		%	1.10		%	0.96		%	0.68		%	0.60		%
Loans 90+ Days Past Due	$	263		$	284		$	262		$	236		$	236		(10	)%
As a % of EOP Loans	0.57		%	0.60		%	0.52		%	0.46		%	0.43		%
Loans 30-89 Days Past Due	$	516		$	446		$	408		$	437		$	422		(18	)%
As a % of EOP Loans	1.12		%	0.94		%	0.81		%	0.85		%	0.77		%

Citi-Branded Cards Key Indicators (in billions of dollars)
EOP Open Accounts (in millions)	15.9			15.5			15.1			15.1			14.8			(7	)%
Purchase Sales	$	11.8		$	12.8		$	13.8		$	15.2		$	14.5		23	%
Average Loans (2)	$	15.6		$	16.2		$	16.7		$	17.5		$	17.8		14	%
EOP Loans (2)	$	15.4		$	16.5		$	17.0		$	17.9		$	17.5		14	%
Average Yield (3)	13.64		%	13.55		%	13.14		%	13.15		%	13.17		%	(3	)%
Net Interest Revenue as a % of Avg. Loans (4)	10.55		%	10.76		%	10.47		%	10.40		%	10.59		%	—
Net Credit Losses as a % of Average Loans	4.60		%	5.94		%	5.90		%	5.20		%	4.50		%	(2	)%
Net Credit Margin as a % of Avg. Loans (5)	9.88		%	9.12		%	9.33		%	10.23		%	11.12		%
Loans 90+ Days Past Due	$	319		$	350		$	315		$	277		$	264		(17	)%
As a % of EOP Loans	2.07		%	2.12		%	1.85		%	1.55		%	1.51		%
Loans 30-89 Days Past Due	$	387		$	381		$	367		$	353		$	361		(7	)%
As a % of EOP Loans	2.51		%	2.31		%	2.16		%	1.97		%	2.06		%

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

(2) Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

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

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

(5) 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.

CITICORP

INSTITUTIONAL CLIENTS GROUP

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Commissions and Fees	$	440		$	489		$	560		$	554		$	554		26	%
Administration and Other Fiduciary Fees	1,227			1,242			1,264			1,268			1,275			4	%
Investment Banking	941			1,240			1,066			1,440			953			1	%
Principal Transactions	6,950			880			(571		)	(1,767		)	3,344			(52	)%
Other	347			699			518			83			361			4	%
Total Non-Interest Revenue	9,905			4,550			2,837			1,578			6,487			(35	)%
Net Interest Revenue (including Dividends)	4,669			4,634			4,511			4,214			3,953			(15	)%
Total Revenues, Net of Interest Expense	14,574			9,184			7,348			5,792			10,440			(28	)%
Total Operating Expenses	3,895			4,365			4,644			4,695			4,548			17	%
Net Credit Losses	77			169			292			207			102			32	%
Provision for Unfunded Lending Commitments	32			83			—			23			(7		)	NM
Credit Reserve Build / (Release)	312			612			166			(194		)	(180		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—
Provision for Credit Losses and for Benefits and Claims	421			864			458			36			(85		)	NM
Income from Continuing Operations before Taxes	10,258			3,955			2,246			1,061			5,977			(42	)%
Income Taxes (benefits)	3,218			1,143			460			(222		)	1,830			(43	)%
Income from Continuing Operations	7,040			2,812			1,786			1,283			4,147			(41	)%
Net Income (loss) Attributable to Minority Interests	(3		)	3			23			45			26			NM
Net Income	$	7,043		$	2,809		$	1,763		$	1,238		$	4,121		(41	)%
Average Assets (in billions of dollars)	$	874		$	829		$	847		$	866		$	932		7	%
Return on Assets	3.27		%	1.36		%	0.83		%	0.57		%	1.79		%

Revenue by Region
North America	$	5,605		$	2,377		$	1,944		$	1,433		$	4,192		(25	)%
EMEA	5,066			3,418			3,047			1,907			3,348			(34	)%
Latin America	1,143			1,389			1,042			1,220			951			(17	)%
Asia	2,760			2,000			1,315			1,232			1,949			(29	)%
Total	$	14,574		$	9,184		$	7,348		$	5,792		$	10,440		(28	)%

Income from Continuing Operations by Region
North America	$	2,635		$	149		$	159		$	57		$	1,583		(40	)%
EMEA	2,497			1,096			858			262			1,338			(46	)%
Latin America	572			677			367			524			429			(25	)%
Asia	1,336			890			402			440			797			(40	)%
Total	$	7,040		$	2,812		$	1,786		$	1,283		$	4,147		(41	)%

Average Loans by Region (in billions)
North America	$	57		$	55		$	49		$	46		$	64		12	%
EMEA	48			48			43			41			36			(25	)%
Latin America	21			21			22			22			22			5	%
Asia	30			28			27			28			31			3	%
Total	$	156		$	152		$	141		$	137		$	153		(2	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

INSTITUTIONAL CLIENTS GROUP

SECURITIES AND BANKING

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Net Interest Revenue	$	3,263		$	3,179		$	3,118		$	2,817		$	2,565		(21	)%
Non-Interest Revenue	8,937			3,522			1,773			500			5,438			(39	)%
Total Revenues, Net of Interest Expense	12,200			6,701			4,891			3,317			8,003			(34	)%
Total Operating Expenses	2,821			3,277			3,503			3,483			3,397			20	%
Net Credit Losses	74			172			294			202			101			36	%
Provision for Unfunded Lending Commitments	32			83			—			23			(7		)	NM
Credit Reserve Build / (Release)	314			604			171			(197		)	(162		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—
Provision for Loan Losses and for Benefits and Claims	420			859			465			28			(68		)	NM
Income (loss) from Continuing Operations before Taxes	8,959			2,565			923			(194		)	4,674			(48	)%
Income Taxes (benefits)	2,823			727			76			(558		)	1,468			(48	)%
Income from Continuing Operations	6,136			1,838			847			364			3,206			(48	)%
Net Income Attributable to Minority Interests	1			—			18			36			21			NM
Net Income	$	6,135		$	1,838		$	829		$	328		$	3,185		(48	)%

Average Assets (in billions of dollars)	816			770			787			805			868			6	%
Return on Assets	3.05		%	0.96		%	0.42		%	0.16		%	1.49		%

Revenue Details:
Investment Banking:
Advisory (1)	$	227		$	130		$	186		$	211		$	198		(13	)%
Equity Underwriting	143			279			258			705			224			57	%
Debt Underwriting	613			752			720			543			635			4	%
Total Investment Banking	983			1,161			1,164			1,459			1,057			8	%
Lending	(363		)	(1,104		)	(794		)	(219		)	243			NM
Equity Markets	1,605			1,101			446			31			1,213			(24	)%
Fixed Income Markets	10,023			5,569			4,024			1,680			5,380			(46	)%
Private Bank	504			481			522			561			494			(2	)%
Other Securities and Banking	(552		)	(507		)	(471		)	(195		)	(384		)	30	%
Total Securities and Banking Revenues	$	12,200		$	6,701		$	4,891		$	3,317		$	8,003		(34	)%

Credit Valuation Adjustment (CVA) {included in lines above}	2,659			(855		)	(1,678		)	(1,897		)	289			(89	)%
Total Revenues Excluding CVA	$	9,541		$	7,556		$	6,569		$	5,214		$	7,714		(19	)%

(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.

CITICORP

INSTITUTIONAL CLIENTS GROUP

TRANSACTION SERVICES

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Net Interest Revenue	$	1,406		$	1,455		$	1,393		$	1,397		$	1,388		(1	)%
Non-Interest Revenue	968			1,028			1,064			1,078			1,049			8	%
Total Revenues, Net of Interest Expense	2,374			2,483			2,457			2,475			2,437			3	%
Total Operating Expenses	1,074			1,088			1,141			1,212			1,151			7	%
Net Credit Losses	3			(3		)	(2		)	5			1			(67	)%
Provision for Unfunded Lending Commitments	—			—			—			—			—			—
Credit Reserve Build / (Release)	(2		)	8			(5		)	3			(18		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—
Provision for Credit Losses and for Benefits and Claims	1			5			(7		)	8			(17		)	NM
Income (loss) from Continuing Operations before Taxes	1,299			1,390			1,323			1,255			1,303			—
Income Taxes	395			416			384			336			362			(8	)%
Income from Continuing Operations	904			974			939			919			941			4	%
Net Income Attributable to Minority Interests	(4		)	3			5			9			5			NM
Net Income	$	908		$	971		$	934		$	910		$	936		3	%
Average Assets (in billions of dollars)	$	58		$	59		$	60		$	61		$	64		10	%
Return on Assets	6.35		%	6.60		%	6.18		%	5.92		%	5.93		%

Revenue Details
Treasury and Trade Solutions	$	1,750		$	1,793		$	1,794		$	1,764		$	1,781		2	%
Securities and Fund Services	624			690			663			711			656			5	%
Total	$	2,374		$	2,483		$	2,457		$	2,475		$	2,437		3	%

Average Deposits and Other Customer Liability Balances (in billions)
North America	$	76		73			81			85			$	72		(5	)%
EMEA	97			100			104			110			106			9	%
Latin America	17			18			20			24			26			53	%
Asia	88			97			109			116			115			31	%
Total	$	278		$	288		$	314		$	335		$	319		15	%

EOP Assets Under Custody (in trillions of dollars)	$	10.5		$	11.4		$	12.1		$	12.1		$	11.8		12	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP

North America

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Net Interest Revenue	$	3,143		$	3,186		$	3,081		$	2,984		$	4,554		45	%
Non-Interest Revenue	4,965			1,373			880			323			3,439			(31	)%
Total Revenues, Net of Interest Expense (1)	8,108			4,559			3,961			3,307			7,993			(1	)%
Total Operating Expenses	3,050			3,462			3,295			3,386			3,454			13	%
Net Credit Losses	488			352			363			330			2,232			NM
Credit Reserve Build / (Release)	290			238			132			2			(25		)	NM
Provision for Benefits & Claims	13			15			14			8			7			(46	)%
Provision Unfunded Lending Commitments	32			83			—			5			(1		)	NM
Provision for Credit Losses and for Benefits and Claims	823			688			509			345			2,213			NM
Income from Continuing Operations before Taxes	4,235			409			157			(424		)	2,326			(45	)%
Income Taxes	1,243			121			(208		)	(509		)	721			(42	)%
Income from Continuing Operations	2,992			288			365			85			1,605			(46	)%
Net Income Attributable to Minority Interests	(5		)	(6		)	16			24			5			NM
Net Income	$	2,997		$	294		$	349		$	61		$	1,600		(47	)%
Average Assets (in billions of dollars)	$	497		$	426		$	463		$	441		$	570		15	%
Return on Assets	2.45		%	0.28		%	0.30		%	0.05		%	1.14		%

Revenue by Business
Retail Banking	$	1,296		$	1,376		$	1,333		$	1,232		$	1,280		(1	)%
Citi-Branded Cards	1,207			806			684			642			2,521			NM
Regional Consumer Banking	2,503			2,182			2,017			1,874			3,801			52	%
Securities and Banking	5,016			1,721			1,301			795			3,553			(29	)%
Transaction Services	589			656			643			638			639			8	%
Total GAAP Revenues	8,108			4,559			3,961			3,307			7,993			(1	)%
Net Impact of Credit Card Securitization Activity (1)	1,484			1,644			1,800			1,744			—			(100	)%
Total Managed Revenues	$	9,592		$	6,203		$	5,761		$	5,051		$	7,993		(17	)%

GAAP Net Credit Losses	$	488		$	352		$	363		$	330		$	2,232		NM
Impact of Credit Card Securitization Activity (1)	1,491			1,837			1,876			1,727			—			(100	)%
Total Managed Net Credit Losses	$	1,979		$	2,189		$	2,239		$	2,057		$	2,232		13	%

Income (loss) from Continuing Operations by Business
Retail Banking	$	241		$	242		$	193		$	129		$	184		(24	)%
Citi-Branded Cards	116			(103		)	13			(101		)	(162		)	NM
Regional Consumer Banking	357			139			206			28			22			(94	)%
Securities and Banking	2,497			(32		)	7			(87		)	1,424			(43	)%
Transaction Services	138			181			152			144			159			15	%
Total	$	2,992		$	288		$	365		$	85		$	1,605		(46	)%

The historical disclosures reflect the impact from credit card securitizations only.

The information above reconciles Managed disclosures to the most-relevant GAAP disclosures.

See pages 43 - 46 for additional reconciliations of managed measures to their most comparable GAAP measure.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
EMEA
(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Net Interest Revenue	$	1,495		$	1,427		$	1,430		$	1,332		$	1,174		(21	)%
Non-Interest Revenue	3,931			2,385			2,032			961			2,579			(34	)%
Total Revenues, Net of Interest Expense	5,426			3,812			3,462			2,293			3,753			(31	)%
Total Operating Expenses	1,495			1,576			1,863			1,751			1,760			18	%
Net Credit Losses	149			251			346			328			116			(22	)%
Credit Reserve Build / (Release)	107			655			87			(50		)	(174		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—
Provision Unfunded Lending Commitments	—			—			—			19			(6		)	—
Provision for Credit Losses and for Benefits and Claims	256			906			433			297			(64		)	NM
Income from Continuing Operations before Taxes	3,675			1,330			1,166			245			2,057			(44	)%
Income Taxes	1,211			344			331			26			692			(43	)%
Income from Continuing Operations	2,464			986			835			219			1,365			(45	)%
Net Income Attributable to Minority Interests	1			8			8			20			20			NM
Net Income	$	2,463		$	978		$	827		$	199		$	1,345		(45	)%
Average Assets (in billions of dollars)	$	227		$	241		$	223		$	242		$	225		(1	)%
Return on Assets	4.40		%	1.63		%	1.47		%	0.33		%	2.42		%

Revenue by Business
Retail Banking	$	205		$	234		$	237		$	213		$	222		8	%
Citi-Branded Cards	155			160			178			173			183			18	%
Regional Consumer Banking	360			394			415			386			405			13	%
Securities and Banking	4,222			2,558			2,202			1,067			2,515			(40	)%
Transaction Services	844			860			845			840			833			(1	)%
Total	$	5,426		$	3,812		$	3,462		$	2,293		$	3,753		(31	)%

Income (loss) from Continuing Operations by Business
Retail Banking	$	(41	)	$	(76	)	$	(23	)	$	(39	)	$	(6	)	85	%
Citi-Branded Cards	8			(34		)	—			(4		)	33			NM
Regional Consumer Banking	(33		)	(110		)	(23		)	(43		)	27			NM
Securities and Banking	2,171			746			550			(41		)	1,032			(52	)%
Transaction Services	326			350			308			303			306			(6	)%
Total	$	2,464		$	986		$	835		$	219		$	1,365		(45	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
LATIN AMERICA
(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Net Interest Revenue	$	1,871		$	2,069		$	2,133		$	2,118		$	2,189		17	%
Non-Interest Revenue	1,196			1,270			880			1,174			838			(30	)%
Total Revenues, Net of Interest Expense	3,067			3,339			3,013			3,292			3,027			(1	)%
Total Operating Expenses	1,271			1,421			1,475			1,670			1,479			16	%
Net Credit Losses	468			611			651			631			511			9	%
Credit Reserve Build / (Release)	273			196			210			(20		)	(153		)	NM
Provision for Benefits & Claims	29			27			29			29			36			24	%
Provision Unfunded Lending Commitments	—			—			—			(2		)	—			—
Provision for Credit Losses and for Benefits and Claims	770			834			890			638			394			(49	)%
Income from Continuing Operations before Taxes	1,026			1,084			648			984			1,154			12	%
Income Taxes	235			291			204			347			336			43	%
Income from Continuing Operations	791			793			444			637			818			3	%
Net Income Attributable to Minority Interests	—			—			—			(1		)	(5		)	—
Net Income	$	791		$	793		$	444		$	638		$	823		4	%
Average Assets (in billions of dollars)	$	127		$	140		$	141		$	144		$	146		15	%
Return on Assets	2.53		%	2.27		%	1.25		%	1.76		%	2.29		%

Revenue by Business
Retail Banking	$	1,026		$	1,112		$	1,114		$	1,183		$	1,196		17	%
Citi-Branded Cards	898			838			857			889			880			(2	)%
Regional Consumer Banking	1,924			1,950			1,971			2,072			2,076			8	%
Securities and Banking	800			1,049			705			867			607			(24	)%
Transaction Services	343			340			337			353			344			—
Total	$	3,067		$	3,339		$	3,013		$	3,292		$	3,027		(1	)%

Income (loss) from Continuing Operations by Business
Retail Banking	$	230		$	196		$	154		$	169		$	256		11	%
Citi-Branded Cards	(11		)	(80		)	(77		)	(56		)	133			NM
Regional Consumer Banking	219			116			77			113			389			78	%
Securities and Banking	412			527			219			378			272			(34	)%
Transaction Services	160			150			148			146			157			(2	)%
Total	$	791		$	793		$	444		$	637		$	818		3	%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITICORP
ASIA
(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Net Interest Revenue	$	2,002		$	2,092		$	2,083		$	1,986		$	1,953		(2	)%
Non-Interest Revenue	2,324			1,583			949			1,054			1,796			(23	)%
Total Revenues, Net of Interest Expense	4,326			3,675			3,032			3,040			3,749			(13	)%
Total Operating Expenses	1,583			1,609			1,789			1,944			1,792			13	%
Net Credit Losses	146			361			374			306			283			94	%
Credit Reserve Build / (Release)	328			142			93			32			(8		)	NM
Provision for Benefits & Claims	—			—			—			—			1			—
Provision Unfunded Lending Commitments	—			—			—			1			—			—
Provision for Credit Losses and for Benefits and Claims	474			503			467			339			276			(42	)%
Income from Continuing Operations before Taxes	2,269			1,563			776			757			1,681			(26	)%
Income Taxes (benefits)	685			394			(70		)	(144		)	308			(55	)%
Income from Continuing Operations	1,584			1,169			846			901			1,373			(13	)%
Net Income Attributable to Minority Interests	1			1			1			—			1			—
Net Income	$	1,583		$	1,168		$	845		$	901		$	1,372		(13	)%
Average Assets (in billions of dollars)	$	252		$	261		$	268		$	292		$	299		19	%
Return on Assets	2.55		%	1.79		%	1.25		%	1.22		%	1.86		%

Revenue by Business
Retail Banking	$	1,010		$	1,067		$	1,076		$	1,128		$	1,116		10	%
Citi-Branded Cards	556			608			641			680			684			23	%
Regional Consumer Banking	1,566			1,675			1,717			1,808			1,800			15	%
Securities and Banking	2,162			1,373			683			588			1,328			(39	)%
Transaction Services	598			627			632			644			621			4	%
Total	$	4,326		$	3,675		$	3,032		$	3,040		$	3,749		(13	)%

Income (loss) from Continuing Operations by Business
Retail Banking	$	220		$	273		$	374		$	351		$	414		88	%
Citi-Branded Cards	28			6			70			110			162			NM
Regional Consumer Banking	248			279			444			461			576			NM
Securities and Banking	1,056			597			71			114			478			(55	)%
Transaction Services	280			293			331			326			319			14	%
Total	$	1,584		$	1,169		$	846		$	901		$	1,373		(13	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

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

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)
Revenues
Net interest revenue	$	5,057		$	4,162		$	3,732		$	3,188		$	4,373		(14	)%
Non-interest revenue	(1,963		)	11,163			2,518			1,271			2,177			NM
Total revenues, net of interest expense	3,094			15,325			6,250			4,459			6,550			NM

Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	6,027			6,781			6,234			5,543			5,241			(13	)%
Credit Reserve Build / (Release)	1,637			2,645			281			742			340			(79	)%
Provision for loan losses	7,664			9,426			6,515			6,285			5,581			(27	)%
Provision for Benefits & Claims	290			267			280			257			243			(16	)%
Provision for unfunded lending commitments	28			52			—			26			(26		)	NM
Total provisions for credit losses and for benefits and claims	7,982			9,745			6,795			6,568			5,798			(27	)%

Total operating expenses	4,185			3,609			2,962			3,008			2,574			(38	)%

Income (Loss) from Continuing Operations before Income Taxes	(9,073		)	1,971			(3,507		)	(5,117		)	(1,822		)	80	%
Provision (benefits) for income taxes	(3,588		)	789			(1,513		)	(2,566		)	(946		)	74	%

Income (Loss) from Continuing Operations	(5,485		)	1,182			(1,994		)	(2,551		)	(876		)	84	%
Net Income (Loss) attributable to noncontrolling Minority Interests (Minority Interest)	(11		)	(37		)	49			28			11			NM
Citi Holding’s Net Income (Loss)	$	(5,474	)	$	1,219		$	(2,043	)	$	(2,579	)	$	(887	)	84	%

Balance Sheet Data (in billions):

Total EOP Assets	$	599		$	582		$	556		$	487		$	503		(16	)%

Total EOP Deposits	$	85		$	84		$	87		$	89		$	86		1	%

Total GAAP Revenues	$	3,094		$	15,325		$	6,250		$	4,459		$	6,550		NM
Net Impact of Credit Card Securitization Activity (1)	968			1,482			952			733			—			(100	)%
Total Managed Revenues	$	4,062		$	16,807		$	7,202		$	5,192		$	6,550		61	%

GAAP Net Credit Losses	$	6,027		$	6,781		$	6,234		$	5,543		$	5,241		(13	)%
Impact of Credit Card Securitization Activity (1)	1,057			1,278			1,137			1,118			—			(100	)%
Total Managed Net Credit Losses	$	7,084		$	8,059		$	7,371		$	6,661		$	5,241		(26	)%

(1)	Citigroup adopted SFAS 166/167 effective January 1, 2010. Beginning in the 2010 first quarter there is no longer a difference between GAAP Revenues and NCLs and those for Managed Revenues and NCLs. Prior quarters’ Managed Revenues and NCLs are included herein for comparative purposes to the 2010 first quarter revenues and net credit losses.
	The historical disclosures reflect the impact from credit card securitizations only.
	The information above reconciles Managed disclosures to the most-relevant GAAP disclosures.
	See pages 43 - 46 for additional reconciliations of managed measures to their most comparable GAAP measure.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

BROKERAGE AND ASSET MANAGEMENT

(In millions of dollars)

															1Q10 vs.
	1Q			2Q		3Q			4Q			1Q			1Q09 Increase/
	2009			2009		2009			2009			2010			(Decrease)

Net Interest Revenue	$	364		$	162	$	(82	)	$	(54	)	$	(65	)	NM
Non-Interest Revenue	1,243			12,058		607			325			405			(67	)%
Total Revenues, Net of Interest Expense	1,607			12,220		525			271			340			(79	)%
Total Operating Expenses	1,499			1,044		307			291			265			(82	)%
Net Credit Losses	—			—		1			—			11			—
Credit Reserve Build / (Release)	43			3		(11		)	1			(7		)	—
Provision for Benefits & Claims	11			8		8			13			9			(18	)%
Provision for Unfunded Lending Commitments	—			—		—			(5		)	—			—
Provision for Loan Losses and for Benefits and Claims	54			11		(2		)	9			13			(76	)%
Income (loss) from Continuing Operations before Taxes	54			11,165		220			(29		)	62			15	%
Income Taxes (benefits)	20			4,390		130			(67		)	(19		)	NM
Income (loss) from Continuing Operations	34			6,775		90			38			81			NM
Net Income (loss) Attributable to Minority Interests	(17		)	6		16			7			(5		)	71	%
Net Income (Loss)	$	51		$	6,769	$	74		$	31		$	86		69	%
EOP Assets (in billions of dollars)	$	47		$	51	$	54		$	30		$	31		(34	)%

EOP Assets Reflecting the Sale of Nikko Cordial Securities (in billions of dollars)	$	28		$	32	$	32		$	30		$	31		11	%

EOP Deposits (in billions of dollars)	$	59		$	56	$	60		$	60		$	59		—

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING

Page 1

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Net Interest Revenue	$	3,704		$	3,185		$	3,272		$	2,834		$	4,020		9	%
Non-Interest Revenue	2,317			296			1,090			1,067			650			(72	)%
Total Revenues, Net of Interest Expense (1)	6,021			3,481			4,362			3,901			4,670			(22	)%
Total Operating Expenses	2,470			2,376			2,442			2,511			2,178			(12	)%
Net Credit Losses	4,517			5,144			4,912			4,612			4,938			9	%
Credit Reserve Build / (Release)	1,562			2,784			577			876			386			(75	)%
Provision for Benefits & Claims	279			259			272			244			234			(16	)%
Provision for Unfunded Lending Commitments	—			—			—			—			—			—
Provision for Loan Losses and for Benefits and Claims	6,358			8,187			5,761			5,732			5,558			(13	)%
Income (loss) from Continuing Operations before Taxes	(2,807		)	(7,082		)	(3,841		)	(4,342		)	(3,066		)	(9	)%
Income Taxes (benefits)	(1,236		)	(2,735		)	(1,699		)	(1,986		)	(1,228		)	1	%
Income (loss) from Continuing Operations	(1,571		)	(4,347		)	(2,142		)	(2,356		)	(1,838		)	(17	)%
Net Income (loss) Attributable to Minority Interests	7			5			13			9			—			(100	)%
Net Income (Loss)	$	(1,578	)	$	(4,352	)	$	(2,155	)	$	(2,365	)	$	(1,838	)	(16	)%
Average Assets (in billions of dollars)	$	368		$	358		$	345		$	333		$	355		(4	)%
EOP Assets (in billions of dollars)	$	359		$	351		$	339		$	321		$	346		(4	)%

Net Credit Losses as a % of Average Loans	5.74		%	6.74		%	6.59		%	6.47		%	6.30		%

Revenue by Business
International	$	2,024		$	689		$	852		$	424		$	335		(83	)%
Retail Partner Cards	1,527			789			1,441			1,682			2,206			44	%
North America (ex Cards)	2,470			2,003			2,069			1,795			2,129			(14	)%
Total GAAP Revenues	6,021			3,481			4,362			3,901			4,670			(22	)%
Net Impact of Credit Cards Securitization Activity (2)	968			1,482			952			733			—			(100	)%
Total Managed Revenues	$	6,989		$	4,963		$	5,314		$	4,634		$	4,670		(33	)%


Net Credit Losses by Business
International	$	818		$	962		$	957		$	784		$	612		(25	)%
Retail Partner Cards	901			872			867			845			1,932			NM
North America (ex Cards)	2,798			3,310			3,088			2,983			2,393			(14	)%
Total GAAP NCLs	4,517			5,144			4,912			4,612			4,937			9	%
Impact of Credit Cards Securitization Activity (2)	1,057			1,278			1,137			1,118			—			(100	)%
Total Managed Net Credit Losses	$	5,574		$	6,422		$	6,049		$	5,730		$	4,937		(11	)%

(1) For Retail Partner Cards, the first quarter of 2009 and the fourth quarter of 2009 include releases of , $213 million and approximately $275 million, respectively, from the allowance for credit losses related to loan receivables that were securitized during the quarter.

The historical disclosures reflect the impact from credit card securitizations only.

The information above reconciles Managed disclosures to the most-relevant GAAP disclosures.

See pages 43 - 46 for additional reconciliations of managed measures to their most comparable GAAP measure.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING - Page 2

(In millions of dollars, except branches)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

International Key Indicators

Branches	799			744			606			540			539			(33	)%
Average Loans (in billions of dollars) (2)	$	39.3		$	39.7		$	38.8		$	35.6		$	30.0		(24	)%

EOP Loans (2):
Real Estate Lending	$	9.2		$	9.8		$	9.5		$	9.2		$	7.8		(15	)%
Cards	10.8			11.5			9.6			8.3			7.0			(35	)%
Commerical Markets	1.1			1.2			1.2			1.1			1.1			—
Personal and Other	17.3			17.0			16.2			13.7			11.8			(32	)%
EOP Loans (in billions of dollars)	$	38.4		$	39.5		$	36.5		$	32.3		$	27.7		(28	)%
Net Interest Revenue	$	830		$	689		$	791		$	521		$	465		(44	)%
As a % of Average Loans	8.57		%	6.96		%	8.09		%	5.81		%	6.29		%	(27	)%
Net Credit Losses	$	818		$	962		$	957		$	784		$	612		(25	)%
As a % of Average Loans	8.44		%	9.72		%	9.79		%	8.74		%	8.27		%
Loans 90+ Days Past Due	$	1,380		$	1,551		$	1,465		$	1,362		$	953		(31	)%
As a % of EOP Loans	3.59		%	3.93		%	4.01		%	4.22		%	3.44		%
Loans 30-89 Days Past Due	$	1,964		$	1,845		$	1,733		$	1,482		$	1,059		(46	)%
As a % of EOP Loans	5.11		%	4.67		%	4.75		%	4.59		%	3.82		%

North America Key Indicators - Retail Partner Cards (1)

EOP Open Accounts (in millions)	107.6			105.7			100.5			99.8			95.1			(12	)%
Purchase Sales (in billions of dollars)	$	23.4		$	26.7		$	25.8		$	26.9		$	18.7		(20	)%
Average Managed Loans (in billions of dollars) (2)
Off-Balance Sheet	$	36.3		$	38.5		$	37.3		$	36.3		$	—		(100	)%
Held for Sale	—			—			—			—			—			—
On Balance Sheet	30.0			25.0			25.0			24.5			57.1			90	%
Total	$	66.3		$	63.5		$	62.3		$	60.8		$	57.1		(14	)%

EOP Managed Loans (in billions of dollars) (2)	$	64.0		$	63.3		$	61.1		$	60.6		$	54.5		(15	)%

Managed Average Yield (3)	16.85		%	17.81		%	17.80		%	17.87		%	18.27		%
Managed Net Interest Revenue (4)	$	2,277		$	2,271		$	2,337		$	2,234		$	2,044		(10	)%
As a % of Avg. Managed Loans	13.93		%	14.34		%	14.88		%	14.58		%	14.52		%

Managed Net Credit Losses	$	1,958		$	2,150		$	2,004		$	1,963		$	1,932		(1	)%
As a % of Avg. Managed Loans	11.98		%	13.58		%	12.76		%	12.81		%	13.72		%
Managed Net Credit Margin (5)	$	507		$	90		$	362		$	427		$	254		(50	)%
As a % of Avg. Managed Loans	3.10		%	0.57		%	2.31		%	2.79		%	1.80		%
Managed Loans 90+ Days Past Due	$	2,791		$	2,590		$	2,587		$	2,681		$	2,385		(15	)%
As a % of EOP Managed Loans	4.36		%	4.09		%	4.23		%	4.42		%	4.38		%
Managed Loans 30-89 Days Past Due	$	2,826		$	2,749		$	2,911		$	2,674		$	2,374		(16	)%
As a % of EOP Managed Loans	4.42		%	4.34		%	4.76		%	4.41		%	4.36		%

(1)	Citigroup adopted SFAS 166/167 effective January 1, 2010. Beginning in the 2010 first quarter there is no longer a difference between GAAP Revenues and NCLs and those for Managed Revenues and NCLs. Prior quarters’ Managed Revenues and NCLs are included herein for comparative purposes to the 2010 first quarter revenues and net credit losses.
	The historical disclosures reflect the impact from credit card securitizations only.
	See pages 43 - 46 for additional reconciliations of managed measures to their most comparable GAAP measure.

(2)	Average Loans, EOP Loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.

(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.

CITI HOLDINGS

LOCAL CONSUMER LENDING - Page 3

(In millions of dollars, except branches)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

North America Key Indicators (ex Cards)

Branches	2,341			2,332			2,300			2,261			2,250			(4	)%
Average Loans (in billions of dollars)	$	249.8		$	241.2		$	231.7		$	222.9		$	230.9		(8	)%

EOP Loans (in billions of dollars)	$	245.8		$	236.2		$	227.4		$	218.5		$	226.7		(8	)%
Net Interest Revenue	$	1,990		$	1,685		$	1,577		$	1,500		$	1,513		(24	)%
As a % of Average Loans	3.23		%	2.80		%	2.70		%	2.67		%	2.66		%
Net Credit Losses	$	2,798		$	3,310		$	3,088		$	2,983		$	2,394		(14	)%
As a % of Average Loans	4.54		%	5.50		%	5.29		%	5.31		%	4.20		%
Loans 90+ Days Past Due (1) (2)	$	11,307		$	11,728		$	14,071		$	14,414		$	13,470		19	%
As a % of EOP Loans	4.74		%	5.16		%	6.42		%	6.89		%	6.27		%
Loans 30-89 Days Past Due (1) (2)	$	9,268		$	9,637		$	10,048		$	9,789		$	8,351		(10	)%
As a % of EOP Loans	3.88		%	4.24		%	4.59		%	4.68		%	3.89		%

KEY INDICATORS:

Residential Real Estate Lending
Average Loans (in billions of dollars)	$	172.6		$	166.2		$	158.9		$	152.7		$	149.3		(13	)%
EOP Loans (in billions of dollars)	$	169.7		$	162.2		$	155.7		$	149.5		$	146.6		(14	)%
Third Party Mortgage Serv Portfolio (EOP, in billions)	$	435.0		$	404.4		$	385.0		$	364.6		$	341.4		(22	)%
Net Servicing & Gain/(Loss) on Sale	$	(12.4	)	$	(183.9	)	$	(122.4	)	$	(150.2	)	$	69.6		NM
Net Interest Revenue on Loans	$	753		$	556		$	500		$	487		$	547		(27	)%
As a % of Avg. Loans	1.77		%	1.34		%	1.25		%	1.27		%	1.49		%
Net Credit Losses	$	1,937		$	2,436		$	2,225		$	2,062		$	1,670		(14	)%
As a % of Avg. Loans	4.55		%	5.88		%	5.56		%	5.36		%	4.54		%
Loans 90+ Days Past Due (1) (2)	$	9,437		$	9,835		$	12,035		$	12,358		$	10,893		15	%
As a % of EOP Loans	5.80		%	6.41		%	8.16		%	8.82		%	8.09		%
Loans 30-89 Days Past Due (1) (2)	$	7,167		$	7,421		$	7,660		$	7,293		$	5,872		(18	)%
As a % of EOP Loans	4.41		%	4.83		%	5.20		%	5.21		%	4.36		%

(1)	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: $3.6 billion ($7.1 billion) and $4.3 billion ($8.7 billion), $4.9 billion ($8.3 billion), $5.4 billion ($9.0 billion) and $5.2 billion ($9.0 billion) as of March 31, 2009, June 30, 2009, September 30, 2009, December 31, 2009 and March 31, 2010, respectively.

	The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) for each period are: $0.6 billion ($7.1 billion) and $0.7 billion ($8.7 billion), $0.8 billion ($8.3 billion) $1.0 billion ($9.0 billion) and $1.2 billion ($9.0 billion) as of March 31, 2009, June 30, 2009, September 30, 2009, December 31, 2009 and March 31, 2010, respectively.

(2)	The March 31, 2010 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios for North America (ex Cards) excludes $2.9 billion of Loans that are carried at fair value.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

LOCAL CONSUMER LENDING - Page 4

North America

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

KEY INDICATORS:

Auto Loans
Average Loans (in billions of dollars)	$	18.0		$	16.8		$	15.6		$	14.4		$	13.2		(27	)%
EOP Loans (in billions of dollars)	$	17.3		$	16.2		$	15.0		$	13.8		$	12.7		(27	)%
Net Interest Revenue on Loans	$	314		$	295		$	284		$	273		$	254		(19	)%
As a % of Avg. Loans	7.07		%	7.04		%	7.22		%	7.52		%	7.80		%
Net Credit Losses	$	301		$	238		$	260		$	283		$	218		(28	)%
As a % of Avg. Loans	6.78		%	5.68		%	6.61		%	7.80		%	6.70		%
Loans 90+ Days Past Due	$	256		$	241		$	274		$	270		$	172		(33	)%
As a % of EOP Loans	1.48		%	1.49		%	1.83		%	1.96		%	1.35		%
Loans 30-89 Days Past Due	$	836		$	1,022		$	1,038		$	1,139		$	744		(11	)%
As a % of EOP Loans	4.83		%	6.31		%	6.92		%	8.25		%	5.86		%

Student Loans
Average Loans (in billions of dollars)	$	26.5		$	26.6		$	26.3		$	26.3		$	40.1		51	%
EOP Loans (in billions of dollars)	$	26.7		$	26.6		$	26.5		$	26.3		$	39.9		49	%
Net Interest Revenue on Loans	$	102		$	61		$	68		$	76		$	89		(13	)%
As a % of Avg. Loans	1.56		%	0.92		%	1.03		%	1.15		%	0.90		%
Net Credit Losses	$	20		$	27		$	26		$	28		$	27		35	%
As a % of Avg. Loans	0.31		%	0.41		%	0.39		%	0.42		%	0.27		%
Loans 90+ Days Past Due	$	829		$	863		$	860		$	875		$	1,533		85	%
As a % of EOP Loans	3.10		%	3.24		%	3.25		%	3.33		%	3.84		%
Loans 30-89 Days Past Due	$	661		$	565		$	679		$	774		$	1,236		87	%
As a % of EOP Loans	2.48		%	2.12		%	2.56		%	2.94		%	3.10		%

Personal Loans & Other
Average Loans (in billions of dollars)	$	21.3		$	20.4		$	19.8		$	18.8		$	17.8		(16	)%
EOP Loans (in billions of dollars)	$	20.6		$	20.1		$	19.3		$	18.3		$	17.2		(17	)%
Net Interest Revenue on Loans	$	713		$	671		$	672		$	628		$	582		(18	)%
As a % of Avg. Loans	13.58		%	13.19		%	13.47		%	13.25		%	13.26		%
Net Credit Losses	$	536		$	568		$	510		$	513		$	414		(23	)%
As a % of Avg. Loans	10.21		%	11.17		%	10.22		%	10.83		%	9.43		%
Loans 90+ Days Past Due	$	668		$	616		$	645		$	556		$	566		(15	)%
As a % of EOP Loans	3.24		%	3.06		%	3.34		%	3.04		%	3.29		%
Loans 30-89 Days Past Due	$	462		$	476		$	477		$	438		$	363		(21	)%
As a % of EOP Loans	2.24		%	2.37		%	2.47		%	2.39		%	2.11		%

Commercial Real Estate
Average Loans (in billions of dollars)	$	11.4		$	11.2		$	11.0		$	10.7		$	10.5		(8	)%
EOP Loans (in billions of dollars)	$	11.3		$	11.1		$	10.8		$	10.6		$	10.3		(9	)%
Net Interest Revenue on Loans	$	44		$	30		$	33		$	34		$	33		(25	)%
As a % of Avg. Loans	1.57		%	1.07		%	1.19		%	1.26		%	1.27		%
Net Credit Losses	$	6		$	39		$	67		$	94		$	64		NM
As a % of Avg. Loans	0.21		%	1.40		%	2.42		%	3.49		%	2.47		%
Loans 90+ Days Past Due	$	117		$	174		$	257		$	355		$	306		NM
As a % of EOP Loans	1.04		%	1.57		%	2.38		%	3.35		%	2.97		%
Loans 30-89 Days Past Due	$	142		$	153		$	194		$	146		$	136		(4	)%
As a % of EOP Loans	1.26		%	1.38		%	1.80		%	1.38		%	1.32		%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

CITI HOLDINGS

SPECIAL ASSET POOL

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Net Interest Revenue	$	989		$	815		$	542		$	408		$	418		(58	)%
Non-Interest Revenue	(5,523		)	(1,191		)	821			(121		)	1,122			NM
Total Revenues, Net of Interest Expense	(4,534		)	(376		)	1,363			287			1,540			NM
Total Operating Expenses	216			189			213			206			131			(39	)%
Net Credit Losses	1,510			1,637			1,321			931			292			(81	)%
Credit Reserve Build / (Release)	32			(142		)	(285		)	(135		)	(39		)	NM
Provision for Benefits & Claims	—			—			—			—			—			—
Provision for Unfunded Lending Commitments	28			52			—			31			(26		)	NM
Provision for Loan Losses and for Benefits and Claims	1,570			1,547			1,036			827			227			(86	)%
Income (loss) from Continuing Operations before Taxes	(6,320		)	(2,112		)	114			(746		)	1,182			NM
Income Taxes (benefits)	(2,372		)	(866		)	56			(513		)	301			NM
Income (loss) from Continuing Operations	(3,948		)	(1,246		)	58			(233		)	881			NM
Net Income (loss) Attributable to Minority Interests	(1		)	(48		)	20			12			16			NM
Net Income (Loss)	$	(3,947	)	$	(1,198	)	$	38		$	(245	)	$	865		NM

EOP Assets (in billions of dollars)	$	193		$	180		$	163		$	136		$	126		(35	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

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

	Average Volumes						Interest						% Average Rate (4)
	First		Fourth		First		First		Fourth		First		First		Fourth		First
	Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter		Quarter
In millions of dollars	2009		2009		2010 (5)		2009		2009		2010 (5)		2009		2009		2010 (5)
Assets:
Deposits with Banks	$	169,142	$	219,321	$	166,378	$	436	$	352	$	290	1.05	%	0.64	%	0.71	%
Fed Funds Sold and Resale Agreements (6)	180,435		225,066		238,085		885		677		752		1.99	%	1.19	%	1.28	%
Trading Account Assets (7)	255,967		287,479		284,179		2,951		2,197		1,872		4.68	%	3.03	%	2.67	%
Investments (1)	243,425		274,508		311,320		3,176		3,225		3,109		5.29	%	4.66	%	4.05	%
Consumer Loans	472,327		442,803		538,291		10,253		9,075		12,908		8.80	%	8.13	%	9.73	%
Corporate Loans	199,388		177,335		195,581		2,602		1,997		1,765		5.29	%	4.47	%	3.66	%
Total Loans (net of Unearned Income) (8)	671,715		620,138		733,872		12,855		11,072		14,673		7.76	%	7.08	%	8.11	%
Other Interest-Earning Assets	51,631		45,912		45,894		280		180		156		2.20	%	1.56	%	1.38	%
Total Average Interest-Earning Assets	$	1,572,315	$	1,672,424	$	1,779,728	$	20,583	$	17,703	$	20,852	5.31	%	4.20	%	4.75	%

Liabilities:
Deposits	$	635,100	$	720,411	$	713,659	$	2,848	$	2,160	$	2,080	1.82	%	1.19	%	1.18	%
Fed Funds Purchased and Repurchase Agreements (6)	220,440		189,856		200,142		1,104		626		654		2.03	%	1.31	%	1.33	%
Trading Account Liabilities (7)	51,813		71,698		79,547		108		69		63		0.85	%	0.38	%	0.32	%
Short-Term Borrowings	183,887		131,341		180,444		463		297		276		1.02	%	0.90	%	0.62	%
Long-Term Debt (9)	343,728		365,991		423,068		3,134		3,390		3,218		3.70	%	3.67	%	3.08	%
Total Average Interest-Bearing Liabilities	$	1,434,968	$	1,479,297	$	1,596,860	$	7,657	$	6,542	$	6,291	2.16	%	1.75	%	1.60	%

Net Interest Revenue as a % of Average Interest-Earning Assets (NIM)							$	12,926	$	11,161	$	14,561	3.33	%	2.65	%	3.32	%

1Q10 Increase (Decrease) From													(1	)bps	67	bps

(1) Interest Revenue excludes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $97 million for the 2009 first quarter, $186 million for the 2009 fourth quarter and $135 million for the 2010 first quarter.

(2) Citigroup Average Balances and Interest Rates include both domestic and international operations.

(3) Monthly 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) 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.

(7) 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.

(8) Nonperforming loans are included in the average loan balances.

(9) Excludes hybrid financial instruments and beneficial interests in consolidated VIEs that are classified as long-term debt as these obligations are accounted for at fair value with changes recorded in Principal Transactions.

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

EOP DEPOSITS
TOTAL CITIGROUP
(In billions of dollars)

											March 31, 2010
											vs.
	1Q		2Q		3Q		4Q		1Q		December 31, 2009
	2009		2009		2009		2009		2010		Inc (Decr)

Citicorp Deposits by Business

Regional Consumer Banking
North America	$	134.5	$	143.0	$	147.8	$	146.7	$	146.3	—
EMEA	8.5		9.3		9.8		10.1		9.5		(6	)%
Latin America	35.3		36.7		36.5		41.4		40.6		(2	)%
Asia	84.2		89.2		94.2		94.5		98.4		4	%
Total	$	262.5	$	278.2	$	288.3	$	292.7	$	294.8	1	%

ICG
Securities and Banking	$	124.7	$	117.9	$	120.5	$	117.6	$	120.5	2	%
Transaction Services	276.4		309.5		321.9		324.1		314.5		(3	)%
Total	$	401.1	$	427.4	$	442.4	$	441.7	$	435.0	(2	)%

Total Citicorp	$	663.6	$	705.6	$	730.7	$	734.4	$	729.8	(1	)%

Citi Holdings Deposits

Brokerage and Asset Management	$	58.6	$	56.3	$	59.7	$	59.9	$	58.9	(2	)%
Local Consumer Lending	26.2		27.6		27.3		28.6		26.6		(7	)%
Total Citi Holdings	$	84.8	$	83.9	$	87.0	$	88.5	$	85.5	(3	)%

Corporate/Other Deposits	$	14.3	$	15.2	$	14.9	$	13.0	$	12.6	(3	)%

Deposits Related to Discontinued Operations	$	—	$	—	$	—	$	—	$	—	—
Total Citigroup Deposits	$	762.7	$	804.7	$	832.6	$	835.9	$	827.9	(1	)%

Reclassified to conform to the current period’s presentation.

SUPPLEMENTAL DETAIL

CONSUMER LOANS 90+DAYS DELINQUENCY AMOUNTS AND RATIOS BUSINESS VIEW

(In millions of dollars, except loan amounts in billions of dollars)

	Managed Loans 90+ Days Past Due (1) (2)															EOP
	1Q			2Q			3Q			4Q			1Q			1Q
	2009			2009			2009			2009			2010			2010

Citicorp
Total	$	3,939		$	4,323		$	3,932		$	4,070		$	4,005		$	220.8
*Ratio*	1.86		%	1.98		%	1.75		%	1.81		%	1.81		%

Retail Bank
Total	$	700		$	811		$	740		$	784		$	863		$	110.6
Ratio	0.69		%	0.79		%	0.69		%	0.73		%	0.78		%
North America	$	99		$	97		$	92		$	106		$	142		$	31.5
Ratio	0.29		%	0.29		%	0.27		%	0.33		%	0.45		%
EMEA	$	58		$	70		$	62		$	60		$	52		$	4.9
Ratio	1.06		%	1.23		%	1.09		%	1.15		%	1.06		%
Latin America	$	280		$	360		$	324		$	382		$	433		$	19.4
Ratio	1.82		%	2.18		%	1.83		%	2.10		%	2.23		%
Asia	$	263		$	284		$	262		$	236		$	236		$	54.8
Ratio	0.57		%	0.60		%	0.52		%	0.46		%	0.43		%

Citi-Branded Cards
Total	$	3,239		$	3,512		$	3,192		$	3,286		$	3,142		$	110.2
Ratio	2.92		%	3.06		%	2.73		%	2.80		%	2.85		%
North America	$	2,307		$	2,366		$	2,190		$	2,371		$	2,304		$	77.7
Ratio	2.82		%	2.84		%	2.59		%	2.82		%	2.96		%
EMEA	$	58		$	99		$	90		$	85		$	77		$	2.9
Ratio	2.33		%	3.54		%	3.01		%	2.82		%	2.66		%
Latin America	$	555		$	697		$	597		$	553		$	497		$	12.1
Ratio	4.91		%	5.76		%	4.93		%	4.46		%	4.11		%
Asia	$	319		$	350		$	315		$	277		$	264		$	17.5
Ratio	2.07		%	2.12		%	1.85		%	1.55		%	1.51		%

Citi Holdings - Local Consumer Lending (3) (4)	$	15,478		$	15,869		$	18,123		$	18,457		$	16,808		$	308.9
*Ratio*	4.54		%	4.80		%	5.72		%	6.11		%	5.66		%
International	$	1,380		$	1,551		$	1,465		$	1,362		$	953		$	27.7
Ratio	3.59		%	3.93		%	4.01		%	4.22		%	3.44		%
North America Retail Partner Cards	$	2,791		$	2,590		$	2,587		$	2,681		$	2,385		$	54.5
Ratio	4.36		%	4.09		%	4.23		%	4.42		%	4.38		%
North America (excluding Cards) (3) (4)	$	11,307		$	11,728		$	14,071		$	14,414		$	13,470		$	226.7
Ratio	4.74		%	5.16		%	6.42		%	6.89		%	6.27		%

Total Citigroup (excluding Special Asset Pool) (3) (4)	$	19,417		$	20,192		$	22,055		$	22,527		$	20,813		$	529.7
Ratio	3.51		%	3.68		%	4.07		%	4.28		%	4.02		%

(1)	This above information presents consumer credit information on a Managed basis. Citigroup adopted SFAS 166/167 effective January 1, 2010. Beginning in the 2010 first quarter there is no longer a difference between GAAP delinquencies and those for Managed delinquencies. Prior quarters’ Managed delinquencies are included herein for comparative purposes to the 2010 first quarter delinquencies. Managed basis reporting impacts the North America Regional Consumer Banking - Citi Branded Cards and the Local Consumer Lending - Retail Partner Cards businesses. The historical disclosures reflect the impact from credit card securitizations only. See pages 43 - 46 for reconciliations of managed measures to their most comparable GAAP measure.

(2)	The ratio of 90+ days past due is calculated based on end-of-period loans, net of unearned income.

(3)	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 29.

(4)	The March 31, 2010 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios for North America (ex Cards) excludes $2.9 billion of Loans that are carried at fair value.

Reclassified to conform to the current period’s presentation

SUPPLEMENTAL DETAIL

CONSUMER LOANS 30-89 DAYS DELINQUENCY AMOUNTS AND RATIOS BUSINESS VIEW

(In millions of dollars, except loan amounts in billions of dollars)

	Managed Loans 30-89 Days Past Due (1) (2)															EOP
	1Q			2Q			3Q			4Q			1Q			1Q
	2009			2009			2009			2009			2010			2010

Citicorp
Total	$	4,649		$	4,326		$	4,347		$	4,252		$	4,289		$	220.8
*Ratio*	2.19		%	1.99		%	1.94		%	1.89		%	1.94		%

Retail Bank
Total	$	1,111		$	1,090		$	1,019		$	1,021		$	1,197		$	110.6
Ratio	1.10		%	1.06		%	0.95		%	0.95		%	1.08		%
North America	$	92		$	87		$	82		$	81		$	236		$	31.5
Ratio	0.27		%	0.26		%	0.24		%	0.25		%	0.75		%
EMEA	$	213		$	235		$	230		$	203		$	182		$	4.9
Ratio	3.87		%	4.12		%	4.04		%	3.90		%	3.71		%
Latin America	$	290		$	322		$	299		$	300		$	357		$	19.4
Ratio	1.88		%	1.95		%	1.69		%	1.65		%	1.84		%
Asia	$	516		$	446		$	408		$	437		$	422		$	54.8
Ratio	1.12		%	0.94		%	0.81		%	0.85		%	0.77		%

Citi-Branded Cards
Total	$	3,538		$	3,236		$	3,328		$	3,231		$	3,092		$	110.2
Ratio	3.19		%	2.82		%	2.85		%	2.75		%	2.81		%
North America	$	2,337		$	2,024		$	2,213		$	2,182		$	2,145		$	77.7
Ratio	2.86		%	2.43		%	2.61		%	2.59		%	2.76		%
EMEA	$	131		$	146		$	155		$	140		$	113		$	2.9
Ratio	5.24		%	5.21		%	5.17		%	4.67		%	3.91		%
Latin America	$	683		$	685		$	593		$	556		$	473		$	12.1
Ratio	6.04		%	5.66		%	4.90		%	4.48		%	3.91		%
Asia	$	387		$	381		$	367		$	353		$	361		$	17.5
Ratio	2.51		%	2.31		%	2.16		%	1.97		%	2.06		%

Citi Holdings - Local Consumer Lending (3) (4)	$	14,058		$	14,231		$	14,692		$	13,945		$	11,784		$	308.9
*Ratio*	4.12		%	4.31		%	4.64		%	4.62		%	3.97		%
International	$	1,964		$	1,845		$	1,733		$	1,482		$	1,059		$	27.7
Ratio	5.11		%	4.67		%	4.75		%	4.59		%	3.82		%
North America Retail Partner Cards	$	2,826		$	2,749		$	2,911		$	2,674		$	2,374		$	54.5
Ratio	4.42		%	4.34		%	4.76		%	4.41		%	4.36		%
North America (excluding Cards) (3) (4)	$	9,268		$	9,637		$	10,048		$	9,789		$	8,351		$	226.7
Ratio	3.88		%	4.24		%	4.59		%	4.68		%	3.89		%

Total Citigroup (excluding Special Asset Pool) (3)(4)	$	18,707		$	18,557		$	19,039		$	18,197		$	16,073		$	529.7
Ratio	3.38		%	3.39		%	3.52		%	3.46		%	3.10		%

(1)	This above information presents consumer credit information on a Managed basis. Citigroup adopted SFAS 166/167 effective January 1, 2010. Beginning in the 2010 first quarter there is no longer a difference between GAAP delinquencies and those for Managed delinquencies. Prior quarters’ Managed delinquencies are included herein for comparative purposes to the 2010 first quarter delinquencies. Managed basis reporting impacts the North America Regional Consumer Banking - Citi Branded Cards and the Local Consumer Lending - Retail Partner Cards businesses. The historical disclosures reflect the impact from credit card securitizations only. See pages 43 - 46 for reconciliations of managed measures to their most comparable GAAP measure.

(2)	The ratio of 30-89 days past due is calculated based on end-of-period loans, net of unearned income.

(3)	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 29.

(4)	The March 31, 2010 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios for North America (ex Cards) excludes $2.9 billion of Loans that are carried at fair value.

Reclassified to conform to the current period’s presentation

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

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Total Citigroup
Allowance for Loan Losses at Beginning of Period	$	29,616		$	31,703		$	35,940		$	36,416		$	36,033

Gross Credit (Losses)	(7,660		)	(8,773		)	(8,449		)	(7,902		)	(9,298		)	(21	)%
Gross Recoveries	378			418			480			767			914			NM
Net Credit (Losses) / Recoveries (NCL’s)	(7,282		)	(8,355		)	(7,969		)	(7,135		)	(8,384		)	(15	)%
NCL’s	7,282			8,355			7,969			7,135			8,384			15	%
Net Reserve Builds / (Releases)	2,262			2,921			113			445			(882		)	NM
Net Specific Reserve Builds / (Releases)	371			957			689			261			864			NM
Provision for Loan Losses	9,915			12,233			8,771			7,841			8,366			(16	)%
Other (3) (4)	(546		)	359			(326		)	(1,089		)	12,731
Allowance for Loan Losses at End of Period (1) (2) (a)	$	31,703		$	35,940		$	36,416		$	36,033		$	48,746

Allowance for Unfunded Lending Commitments (6) (a)	$	947		$	1,082		$	1,074		$	1,157		$	1,122

Provision for Unfunded Lending Commitments	$	60		$	135		$	—		$	49		$	(35	)

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	32,650		$	37,022		$	37,490		$	37,190		$	49,868

Total Allowance for Loan Losses as a Percentage of Total Loans (7)	4.82		%	5.60		%	5.85		%	6.09		%	6.80		%

Allowance for Loan Losses at End of Period (1):
Citicorp	$	9,088		$	10,676		$	10,956		$	10,731		$	18,503
Citi Holdings	22,615			25,264			25,460			25,302			30,243
Total Citigroup	$	31,703		$	35,940		$	36,416		$	36,033		$	48,746

(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 $2,760 million, $3,810 million, $4,587 million ,$4,819 million and $6,926 million as of March 31, 2009, June 30, 2009, September 30, 2009, December 31, 2009 and March 31, 2010, 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)	The 2010 first quarter includes $13.4 billion related to the impact of consolidating entities in connection with the Company’s adoption of SFAS 166 / 167 as of January 1, 2010.

(6)	Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.

(7)	March 31, 2010 excludes $5.4 billion of Loans which are carried at fair value.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

ALLOWANCE FOR CREDIT LOSSES - PAGE 2

TOTAL CITIGROUP

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Total Citigroup Consumer Loans
Allowance for Loan Losses at Beginning of Period	$	22,204		$	24,036		$	27,969		$	28,420		$	28,397

Net Credit (Losses) / Recoveries (NCL’s)	(5,711		)	(6,607		)	(6,428		)	(6,060		)	(8,020		)	(40	)%
NCL’s	5,711			6,607			6,428			6,060			8,020			40	%
Net Reserve Builds / (Releases)	1,739			2,401			128			722			(507		)	NM
Net Specific Reserve Builds / (Releases)	560			1,002			765			295			731			31	%
Provision for Loan Losses	8,010			10,010			7,321			7,077			8,244			3	%
Other (3) (4) (5)	(467		)	530			(442		)	(1,040		)	12,801
Allowance for Loan Losses at End of Period (1) (2) (a)	$	24,036		$	27,969		$	28,420		$	28,397		$	41,422

Consumer Allowance for Unfunded Lending Commitments (6) (a)	$	—		$	—		$	—		$	6		$	6

Provision for Unfunded Lending Commitments	$	—		$	—		$	—		$	(6	)	$	—

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	24,036		$	27,969		$	28,420		$	28,403		$	41,428

Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans (7)	5.29		%	6.25		%	6.44		%	6.70		%	7.84		%

Total Citigroup Corporate Loans
Allowance for Loan Losses at Beginning of Period	$	7,412		$	7,667		$	7,971		$	7,996		$	7,636

Net Credit (Losses) / Recoveries (NCL’s)	(1,571		)	(1,748		)	(1,541		)	(1,075		)	(364		)	77	%
NCL’s	1,571			1,748			1,541			1,075			364			(77	)%
Net Reserve Builds / (Releases)	523			520			(15		)	(277		)	(375		)	NM
Net Specific Reserve Builds / (Releases)	(189		)	(45		)	(76		)	(34		)	133			NM
Provision for Loan Losses	1,905			2,223			1,450			764			122			(94	)%
Other (3) (5)	(79		)	(171		)	116			(49		)	(70		)
Allowance for Loan Losses at End of Period (1) (b)	$	7,667		$	7,971		$	7,996		$	7,636		$	7,324

Corporate Allowance for Unfunded Lending Commitments (6) (b)	$	947		$	1,082		$	1,074		$	1,151		$	1,116

Provision for Unfunded Lending Commitments	$	60		$	135		$	—		$	55		$	(35	)

Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (b)]	$	8,614		$	9,053		$	9,070		$	8,787		$	8,440

Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans (8)	3.77		%	4.11		%	4.42		%	4.56		%	3.90		%

(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 $2,760 million, $3,810 million, $4,587 million ,$4,819 million and $6,926 million as of March 31, 2009, June 30, 2009, September 30, 2009, December 31, 2009 and March 31, 2010, 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)	The 2010 first quarter includes $13.4 billion related to the impact of consolidating entities in connection with the Company’s adoption of SFAS 166 / 167 as of January 1, 2010.

(6)	Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.

(7)	March 31, 2010 excludes $2.9 billion of Loans which are carried at fair value.

(8)	March 31, 2010 excludes $2.5 billion of Loans which are carried at fair value.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 1

CITICORP

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Citicorp
Net Credit Losses	$	1,251		$	1,575		$	1,734		$	1,595		$	3,142		NM
Impact of Credit Card Securitization Activity (1)	1,491			1,837			1,876			1,727			—			(100	)%
Managed NCLs	2,742			3,412			3,610			3,322			3,142			15	%
Credit Reserve Build / (Release)	998			1,231			522			(36		)	(360		)	NM
Consumer Banking
Net Credit Losses	$	1,174		$	1,406		$	1,442		$	1,388		$	3,040		NM
Credit Reserve Build / (Release)	686			619			356			158			(180		)	NM
North America Consumer Banking
Net Credit Losses	257			307			279			308			2,157			NM
Credit Reserve Build / (Release)	253			149			54			71			4			(98	)%
Retail Banking
Net Credit Losses	56			88			78			88			73			30	%
Credit Reserve Build / (Release)	31			39			53			38			4			(87	)%
Citi-Branded Cards
Net Credit Losses	201			219			201			220			2,084			NM
Credit Reserve Build / (Release)	222			110			1			33			—			(100	)%
EMEA Consumer Banking
Net Credit Losses	89			121			139			138			97			9	%
Credit Reserve Build / (Release)	72			158			67			10			(10		)	NM
Retail Banking
Net Credit Losses	60			74			84			84			47			(22	)%
Credit Reserve Build / (Release)	37			86			38			(25		)	(6		)	NM
Citi-Branded Cards
Net Credit Losses	29			47			55			54			50			72	%
Credit Reserve Build / (Release)	35			72			29			35			(4		)	NM
Latin America Consumer Banking
Net Credit Losses	541			610			657			625			509			(6	)%
Credit Reserve Build / (Release)	166			156			141			(1		)	(136		)	NM
Retail Banking
Net Credit Losses	112			138			114			149			91			(19	)%
Credit Reserve Build / (Release)	8			34			60			(34		)	(5		)	NM
Citi-Branded Cards
Net Credit Losses	429			472			543			476			418			(3	)%
Credit Reserve Build / (Release)	158			122			81			33			(131		)	NM
Asia Consumer Banking
Net Credit Losses	287			368			367			317			277			(3	)%
Credit Reserve Build / (Release)	195			156			94			78			(38		)	NM
Retail Banking
Net Credit Losses	110			128			119			88			78			(29	)%
Credit Reserve Build / (Release)	103			52			(7		)	42			(17		)	NM
Citi-Branded Cards
Net Credit Losses	177			240			248			229			199			12	%
Credit Reserve Build / (Release)	92			104			101			36			(21		)	NM

Institutional Clients Group (ICG)
Net Credit Losses	77			169			292			207			102			32	%
Credit Reserve Build / (Release)	312			612			166			(194		)	(180		)	NM
Securities and Banking
Net Credit Losses	74			172			294			202			101			36	%
Credit Reserve Build / (Release)	314			604			171			(197		)	(162		)	NM
Transaction Services
Net Credit Losses	3			(3		)	(2		)	5			1			(67	)%
Credit Reserve Build / (Release)	(2		)	8			(5		)	3			(18		)	NM

Total Citicorp Provision for Loan Losses	$	2,249		$	2,806		$	2,256		$	1,559		$	2,782		24	%

Total Citicorp Provision for Loan Losses including NCLs from Credit Card Securitization Activity (1)	$	3,740		$	4,643		$	4,132		$	3,286		$	2,782		(26	)%

(1) Citigroup adopted SFAS 166/167 effective January 1, 2010. Beginning in the 2010 first quarter there is no longer a difference between GAAP NCLs and those for Managed NCLs. Prior quarters’ Managed NCLs are included herein for comparative purposes to the 2010 first quarter NCLs.

NM Not meaningful

Reclassified to conform to the current period’s presentation.

COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 2

CITI HOLDINGS / TOTAL CITIGROUP

(In millions of dollars)

															1Q10 vs.
	1Q		2Q			3Q			4Q			1Q			1Q09 Increase/
	2009		2009			2009			2009			2010			(Decrease)

Citi Holdings
Net Credit Losses	$	6,027	$	6,781		$	6,234		$	5,543		$	5,241		(13	)%
Impact of Credit Card Securitization Activity (1)	1,057		1,278			1,137			1,118			—			(100	)%
Managed NCLs	7,084		8,059			7,371			6,661			5,241			(26	)%
Credit Reserve Build / (Release)	1,637		2,645			281			742			340			(79	)%
Brokerage and Asset Management
Net Credit Losses	—		—			1			—			11			—
Credit Reserve Build / (Release)	43		3			(11		)	1			(7		)	NM
Local Consumer Lending
Net Credit Losses	4,517		5,144			4,912			4,612			4,938			9	%
Credit Reserve Build / (Release)	1,562		2,784			577			876			386			(75	)%
Special Asset Pool
Net Credit Losses	1,510		1,637			1,321			931			292			(81	)%
Credit Reserve Build / (Release)	32		(142		)	(285		)	(135		)	(39		)	NM

Total Citi Holdings Provision for Loan Losses	$	7,664	$	9,426		$	6,515		$	6,285		$	5,581		(27	)%

Total Citi Holdings Provision for Loan Losses including NCLs from Credit Card Securitization Activity (1)	$	8,721	$	10,704		$	7,652		$	7,403		$	5,581		(36	)%

Total Citicorp Provision for Loan Losses (from prior page)	$	2,249	$	2,806		$	2,256		$	1,559		$	2,782		24	%

Corporate / Other	2		1			—			(3		)	3			50	%

Total Citigroup Provision for Loan Losses	$	9,915	$	12,233		$	8,771		$	7,841		$	8,366		(16	)%

Total Citigroup Provision for Loan Losses including NCLs from Credit Card Securitization Activity (1)	$	12,463	$	15,348		$	11,784		$	10,686		$	8,366		(33	)%

NM Not meaningful

Reclassified to conform to the current period’s presentation.

NON-ACCRUAL ASSETS - PAGE 1
TOTAL CITIGROUP

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	3,789		$	3,499		$	5,263		$	5,621		$	5,660		49	%
EMEA	6,479			7,690			7,969			6,308			5,834			(10	)%
Latin America	300			230			416			569			608			NM
Asia	635			1,056			1,061			981			830			31	%
Total	$	11,203		$	12,475		$	14,709		$	13,479		$	12,932		15	%

Consumer Non-Accrual Loans By Region (2)
North America	$	11,687		$	12,154		$	14,609		$	15,111		$	12,966		11	%
EMEA	1,128			1,356			1,314			1,159			790			(30	)%
Latin America	1,338			1,520			1,342			1,340			1,246			(7	)%
Asia	755			741			710			651			634			(16	)%
Total	$	14,908		$	15,771		$	17,975		$	18,261		$	15,636		5	%

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

ICG	$	272		$	258		$	258		$	838		$	846		NM
Regional Consumer Banking	35			33			26			36			35			—
Brokerage and Asset Management	1			1			1			—			—			—
Local Consumer Lending	853			662			579			528			588			(31	)%
Special Asset Pool	—			1			5			87			44			—
Corporate/Other	41			14			15			11			8			(80	)%

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	1,202		$	969		$	884		$	1,500		$	1,521		27	%

OREO By Region:
North America	$	1,115		$	789		$	682		$	1,294		$	1,291		16	%
EMEA	65			97			105			121			134			NM
Latin America	20			29			40			45			51			NM
Asia	2			54			57			40			45			NM
Total	$	1,202		$	969		$	884		$	1,500		$	1,521		27	%

Other Repossessed Assets (4)	$	78		$	72		$	76		$	73		$	64		(18	)%

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	11,203		$	12,475		$	14,709		$	13,479		$	12,932		15	%
Consumer Non-Accrual Basis Loans	14,908			15,771			17,975			18,261			15,636			5	%
Non-Accrual Loans (NAL)	26,111			28,246			32,684			31,740			28,568			9	%
OREO	1,202			969			884			1,500			1,521			27	%
Other Repossessed Assets	78			72			76			73			64			(18	)%
Non-Accrual Assets (NAA)	$	27,391		$	29,287		$	33,644		$	33,313		$	30,153		10	%

NAL as a % of Total Loans	3.97		%	4.40		%	5.25		%	5.37		%	3.96		%
NAA as a % of Total Assets	1.50		%	1.58		%	1.78		%	1.79		%	1.51		%

Allowance for Loan Losses as a % of NAL	121		%	127		%	111		%	114		%	171		%

(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. Consistent with industry conventions, Citigroup generally accrues interest on credit card loans until such loans are charged off, which typically occurs at 180 days contractual delinquency. As such, the non-accrual loan disclosures do not include credit card loans.

(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.

NON-ACCRUAL ASSETS - PAGE 2
TOTAL CITICORP

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	794		$	822		$	1,265		$	1,442		$	1,258		58	%
EMEA	548			1,752			1,472			1,137			1,084			98	%
Latin America	89			80			150			285			342			NM
Asia	504			505			413			374			291			(42	)%
Total	$	1,935		$	3,159		$	3,300		$	3,238		$	2,975		54	%

Consumer Non-Accrual Loans By Region (2)
North America	$	154		$	177		$	262		$	207		$	242		57	%
EMEA	174			170			251			228			215			24	%
Latin America	1,331			1,512			1,310			1,300			1,205			(9	)%
Asia	357			377			384			380			387			8	%
Total	$	2,016		$	2,236		$	2,207		$	2,115		$	2,049		2	%

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

ICG	$	272		$	258		$	258		$	838		$	846		NM
Regional Consumer Banking	35			33			26			36			35			—

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	307		$	291		$	284		$	874		$	881		NM

OREO By Region:
North America	$	286		$	193		$	173		$	786		$	783		NM
EMEA	—			16			15			13			12			—
Latin America	19			28			39			35			41			NM
Asia	2			54			57			40			45			NM
Total	$	307		$	291		$	284		$	874		$	881		NM

Other Repossessed Assets (4)	N/A			N/A			N/A			N/A			N/A

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	1,935		$	3,159		$	3,300		$	3,238		$	2,975		54	%
Consumer Non-Accrual Basis Loans	2,016			2,236			2,207			2,115			2,049			2	%
Non-Accrual Loans (NAL)	3,951			5,395			5,507			5,353			5,024			27	%
OREO	307			291			284			874			881			NM
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	4,258		$	5,686		$	5,791		$	6,227		$	5,905		39	%

NAA as a % of Total Assets	0.42		%	0.54		%	0.54		%	0.55		%	0.48		%

Allowance for Loan Losses as a % of NAL	230		%	198		%	199		%	200		%	368		%

N/A Not Available at the Citicorp level. See “Non-Accrual Assets - Page 1” (on page 40) for Total Citigroup balances.

(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.

NON-ACCRUAL ASSETS - PAGE 3

TOTAL CITI HOLDINGS

(In millions of dollars)

																1Q10 vs.
	1Q			2Q			3Q			4Q			1Q			1Q09 Increase/
	2009			2009			2009			2009			2010			(Decrease)

Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	2,995		$	2,677		$	3,998		$	4,179		$	4,402		47	%
EMEA	5,931			5,938			6,497			5,171			4,750			(20	)%
Latin America	211			150			266			284			266			26	%
Asia	131			551			648			607			539			NM
Total	$	9,268		$	9,316		$	11,409		$	10,241		$	9,957		7	%

Consumer Non-Accrual Loans By Region (2)
North America	$	11,533		$	11,977		$	14,347		$	14,904		$	12,724		10	%
EMEA	954			1,186			1,063			931			575			(40	)%
Latin America	7			8			32			40			41			NM
Asia	398			364			326			271			247			(38	)%
Total	$	12,892		$	13,535		$	15,768		$	16,146		$	13,587		5	%

OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

Brokerage and Asset Management	$	1		$	1		$	1		$	—		$	—		(100	)%
Local Consumer Lending	853			662			579			528			588			(31	)%
Special Asset Pool	—			1			5			87			44			—

TOTAL OTHER REAL ESTATE OWNED (OREO) (3)	$	854		$	664		$	585		$	615		$	632		(26	)%

OREO By Region:
North America	$	788		$	582		$	494		$	497		$	500		(37	)%
EMEA	65			81			90			108			122			88	%
Latin America	1			1			1			10			10			NM
Asia	—			—			—			—			—			—
Total	$	854		$	664		$	585		$	615		$	632		(26	)%

Other Repossessed Assets (4)	N/A			N/A			N/A			N/A			N/A

Non-Accrual Assets (NAA) (5)
Corporate Non-Accrual Loans	$	9,268		$	9,316		$	11,409		$	10,241		$	9,957		7	%
Consumer Non-Accrual Basis Loans	12,892			13,535			15,768			16,146			13,587			5	%
Non-Accrual Loans (NAL)	22,160			22,851			27,177			26,387			23,544			6	%
OREO	854			664			585			615			632			(26	)%
Other Repossessed Assets	N/A			N/A			N/A			N/A			N/A
Non-Accrual Assets (NAA)	$	23,014		$	23,515		$	27,762		$	27,002		$	24,176		5	%

NAA as a % of Total Assets	3.84		%	4.04		%	4.99		%	5.54		%	4.81		%

Allowance for Loan Losses as a % of NAL	102		%	111		%	94		%	96		%	128		%

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. Consistent with industry conventions, Citigroup generally accrues interest on credit card loans until such loans are charged off, which typically occurs at 180 days contractual delinquency. As such, the non-accrual loan disclosures do not include credit card loans.

(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.

CITIGROUP

NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS - PAGE 1

(In millions of dollars)

Citigroup adopted SFAS 166/167 effective January 1, 2010. Beginning in the 2010 first quarter there is no longer a difference between GAAP Revenues and NCLs and those for Managed Revenues and NCLs. Prior quarters’ Managed Revenues and NCLs are included herein for comparative purposes to the 2010 first quarter revenues and net credit losses.

The historical disclosures reflect the impact from credit card securitizations only.

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
	2009			2009			2009			2009			2010

For Page 1 - Citigroup Summary:
Total Citigroup - Managed Net Revenues	$	26,973		$	33,095		$	23,142		$	7,882		$	25,421
Impact of Credit Card Securitization Activity:
Citicorp	(1,484		)	(1,644		)	(1,800		)	(1,744		)	—
Citi Holdings	(968		)	(1,482		)	(952		)	(733		)	—
Total Impact of Credit Card Securitization Activity	(2,452		)	(3,126		)	(2,752		)	(2,477		)	—

Total Citigroup - Net Revenues	$	24,521		$	29,969		$	20,390		$	5,405		$	25,421

Total Citigroup - Managed Net Credit Losses	$	9,830		$	11,470		$	10,982		$	9,980		$	8,384

Impact of Credit Card Securitization Activity:
Citicorp	(1,491		)	(1,837		)	(1,876		)	(1,727		)	—
Citi Holdings	(1,057		)	(1,278		)	(1,137		)	(1,118		)	—
Total Impact of Credit Card Securitization Activity	(2,548		)	(3,115		)	(3,013		)	(2,845		)	—

Total Citigroup - Net Credit Losses	$	7,282		$	8,355		$	7,969		$	7,135		$	8,384

For Page 8 - Citicorp Regional Consumer Banking (page 2):
Citi-Branded Cards Key Indicators

Average Managed Loans - as disclosed	$	112.5		$	112.7		$	114.4		$	115.9		$	112.0
Impact from Credit Card Securitizations	(68.4		)	(69.6		)	(70.8		)	(69.7		)	—
Average Loans	$	44.1		$	43.1		$	43.6		$	46.2		$	112.0

EOP Managed Loans - as disclosed	$	110.9		$	114.7		$	116.8		$	117.4		$	110.2
Impact from Credit Card Securitizations	(69.2		)	(71.7		)	(71.9		)	(72.6		)	—
EOP Loans	$	41.7		$	43.0		$	44.9		$	44.8		$	110.2

Managed Average Yield - as disclosed	14.44		%	14.21		%	14.15		%	13.70		%	14.89		%
Impact from Credit Card Securitizations	1.88		%	2.11		%	2.02		%	2.03		%	0.00		%
Average Yield	16.32		%	16.32		%	16.17		%	15.73		%	14.89		%

Managed Net Int Rev as a % of Avg. Managed Loans - as disclosed	12.12		%	11.80		%	11.47		%	10.99		%	14.52		%
Impact from Credit Card Securitizations	1.88		%	3.48		%	3.43		%	3.12		%	0.00		%
Net Interest Revenue as a % of Avg. Loans	14.00		%	15.28		%	14.90		%	14.11		%	14.52		%

Managed Net Credit Losses as a % of Avg. Managed Loans - as disclosed	8.40		%	10.02		%	10.14		%	9.27		%	13.72		%
Impact from Credit Card Securitizations	3.74		%	4.02		%	3.67		%	4.41		%	0.00		%
Net Credit Losses as a % of Avg. Loans	12.14		%	14.04		%	13.81		%	13.68		%	13.72		%

Managed Net Credit Margin as a % of Avg. Managed Loans - as disclosed	7.07		%	4.37		%	4.24		%	4.84		%	5.51		%
Impact from Credit Card Securitizations	11.05		%	8.84		%	7.59		%	7.18		%	0.00		%
Net Credit Margin as a % of Avg. Loans	18.12		%	13.21		%	11.83		%	12.02		%	5.51		%

Managed Loans 90+ Days Past Due - as disclosed	$	3,239		$	3,512		$	3,192		$	3,286		$	3,142
Impact from Credit Card Securitizations	(2,008		)	(2,109		)	(1,940		)	(2,121		)	—
Loans 90+ Days Past Due	$	1,231		$	1,403		$	1,252		$	1,165		$	3,142

Managed Loans 90+ Days Past Due as a % of EOP Managed Loans - as disclosed	2.92		%	3.06		%	2.73		%	2.80		%	2.85		%
Impact from Credit Card Securitizations	0.03		%	0.20		%	0.06		%	(0.20		)%	0.00		%
Loans 90+ Days Past Due as a % of EOP Loans	2.95		%	3.26		%	2.79		%	2.60		%	2.85		%

Managed Loans 30-89 Days Past Due - as disclosed	$	3,538		$	3,236		$	3,328		$	3,231		$	3,092
Impact from Credit Card Securitizations	(2,041		)	(1,784		)	(1,958		)	(1,914		)	—
Loans 30-89 Days Past Due	$	1,497		$	1,452		$	1,370		$	1,317		$	3,092

Managed Loans 30-89 Days Past Due as a % of EOP Managed Loans - as disclosed	3.19		%	2.82		%	2.85		%	2.75		%	2.81		%
Impact from Credit Card Securitizations	0.39		%	0.55		%	0.20		%	0.19		%	0.00		%
Loans 30-89 Days Past Due as a % of EOP Loans	3.58		%	3.37		%	3.05		%	2.94		%	2.81		%

Reclassified to conform to the current period’s presentation.

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

The historical disclosures reflect the impact from credit card securitizations only.

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
	2009			2009			2009			2009			2010

For Page 11 - Citicorp Regional Consumer Banking - North America (page 2):
Citi-Branded Cards Key Indicators

Managed Average Yield - as disclosed	12.86		%	12.57		%	12.64		%	12.05		%	13.58		%
Impact from Credit Card Securitizations	(1.73		)%	(1.92		)%	(1.67		)%	(1.56		)%	0.00		%
Average Yield	11.13		%	10.65		%	10.97		%	10.49		%	13.58		%

Managed Net Interest Revenue as a % of Avg. Managed Loans - as disclosed	10.84		%	10.34		%	9.96		%	9.37		%	10.76		%
Impact from Credit Card Securitizations	(0.30		)%	3.96		%	3.60		%	2.34		%	0.00		%
Net Interest Revenue as a % of Avg. Loans	10.54		%	14.30		%	13.56		%	11.71		%	10.76		%

Managed Net Credit Losses	$	1,692		$	2,056		$	2,077		$	1,947		$	2,084
Impact from Credit Card Securitizations	(1,491		)	(1,837		)	(1,876		)	(1,727		)	—
Net Credit Losses	$	201		$	219		$	201		$	220		$	2,084

Managed Net Credit Losses as a % of Avg. Managed Loans - as disclosed	8.27		%	10.08		%	9.98		%	9.30		%	10.67		%
Impact from Credit Card Securitizations	(2.67		)%	(2.86		)%	(3.20		)%	(2.77		)%	0.00		%
Net Credit Losses as a % of Avg. Loans	5.60		%	7.22		%	6.78		%	6.53		%	10.67		%

Managed Net Credit Margin as a % of Avg. Managed Loans - as disclosed	4.82		%	1.86		%	1.89		%	2.06		%	2.24		%
Impact from Credit Card Securitizations	22.84		%	17.02		%	13.96		%	10.27		%	0.00		%
Net Credit Margin as a % of Avg. Loans	27.66		%	18.88		%	15.85		%	12.33		%	2.24		%

Managed Loans 90+ Days Past Due - as disclosed	$	2,307		$	2,366		$	2,190		$	2,371		$	2,304
Impact from Credit Card Securitizations	(2,008		)	(2,109		)	(1,940		)	(2,121		)	—
Loans 90+ Days Past Due	$	299		$	257		$	250		$	250		$	2,304

Managed Loans 90+ Days Past Due as a % of EOP Managed Loans - as disclosed	2.82		%	2.84		%	2.59		%	2.82		%	2.96		%
Impact from Credit Card Securitizations	(0.44		)%	(0.63		)%	(0.64		)%	(0.65		)%	0.00		%
Loans 90+ Days Past Due as a % of EOP Loans	2.38		%	2.21		%	1.95		%	2.17		%	2.96		%

Managed Loans 30-89 Days Past Due - as disclosed	$	2,337		$	2,024		$	2,213		$	2,182		$	2,145
Impact from Credit Card Securitizations	(2,041		)	(1,784		)	(1,958		)	(1,914		)	—
Loans 30-89 Days Past Due	$	296		$	240		$	255		$	268		$	2,145

Managed Loans 30-89 Days Past Due as a % of EOP Managed Loans - as disclosed	2.86		%	2.43		%	2.61		%	2.59		%	2.76		%
Impact from Credit Card Securitizations	(0.50		)%	(0.37		)%	(0.62		)%	(0.26		)%	0.00		%
Loans 30-89 Days Past Due as a % of EOP Loans	2.36		%	2.06		%	1.99		%	2.33		%	2.76		%

Reclassified to conform to the current period’s presentation.

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

The historical disclosures reflect the impact from credit card securitizations only.

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
	2009			2009			2009			2009			2010

For Page 28 - Citi Holdings - Local Consumer Lending (page 2):
North America - Retail Partner Cards Key Indicators

EOP Managed Loans - as disclosed	$	64.0		$	63.3		$	61.1		$	60.6		$	54.5
Impact from Credit Card Securitizations	(39.1		)	(39.3		)	(37.9		)	(40.4		)	—
EOP Loans	$	24.9		$	24.0		$	23.2		$	20.2		$	54.5

Managed Average Yield - as disclosed	16.85		%	17.81		%	17.80		%	17.87		%	18.27		%
Impact from Credit Card Securitizations	0.17		%	2.23		%	3.46		%	1.95		%	0.00		%
Average Yield	17.02		%	20.04		%	21.26		%	19.82		%	18.27		%

Managed Net Interest Revenue - as disclosed	$	2,277		$	2,271		$	2,337		$	2,234		$	2,044
Impact from Credit Card Securitizations	(1,393		)	(1,455		)	(1,431		)	(1,420		)
Net Interest Revenue	$	884		$	816		$	906		$	814		$	2,044

Managed Net Int Rev as a % of Avg. Managed Loans - as disclosed	13.93		%	14.34		%	14.88		%	14.58		%	14.52		%
Impact from Credit Card Securitizations	(2.02		)%	(1.20		)%	(0.45		)%	(1.40		)%	0.00		%
Net Interest Revenue as a % of Avg. Loans	11.91		%	13.14		%	14.43		%	13.18		%	14.52		%

Managed Net Credit Losses - as disclosed	$	1,958		$	2,150		$	2,004		$	1,963		$	1,932
Impact from Credit Card Securitizations	(1,057		)	(1,278		)	(1,137		)	(1,118		)	—
Net Credit Losses	$	901		$	872		$	867		$	845		$	1,932

Managed Net Credit Losses as a % of Avg. Managed Loans - as disclosed	11.98		%	13.58		%	12.76		%	12.81		%	13.72		%
Impact from Credit Card Securitizations	0.16		%	0.46		%	1.05		%	0.87		%	0.00		%
Net Credit Losses as a % of Avg. Loans	12.14		%	14.04		%	13.81		%	13.68		%	13.72		%

Managed Net Credit Margin - as disclosed	$	507		$	90		$	362		$	427		$	254
Impact from Credit Card Securitizations	90			(210		)	186			386			—
Net Credit Margin	$	597		$	(120	)	$	548		$	813		$	254

Managed Net Credit Margin as a % of Avg. Managed Loans - as disclosed	3.10		%	0.57		%	2.31		%	2.79		%	1.80		%
Impact from Credit Card Securitizations	4.95		%	(2.43		)%	6.42		%	10.37		%	0.00		%
Net Credit Margin as a % of Avg. Loans	8.05		%	(1.86		)%	8.73		%	13.16		%	1.80		%

Managed Loans 90+ Days Past Due - as disclosed	$	2,791		$	2,590		$	2,587		$	2,681		$	2,385
Impact from Credit Card Securitizations	(1,664		)	(1,515		)	(1,536		)	(1,670		)	—
Loans 90+ Days Past Due	$	1,127		$	1,075		$	1,051		$	1,011		$	2,385

Managed Loans 90+ Days Past Due as a % of EOP Managed Loans - as disclosed	4.36		%	4.09		%	4.23		%	4.42		%	4.38		%
Impact from Credit Card Securitizations	0.17		%	0.38		%	0.31		%	0.58		%	0.00		%
Loans 90+ Days Past Due as a % of EOP Loans	4.53		%	4.47		%	4.54		%	5.00		%	4.38		%

Managed Loans 30-89 Days Past Due - as disclosed	$	2,826		$	2,749		$	2,911		$	2,674		$	2,374
Impact from Credit Card Securitizations	(1,625		)	(1,623		)	(1,732		)	(1,642		)	—
Loans 30-89 Days Past Due	$	1,201		$	1,126		$	1,179		$	1,032		$	2,374

Managed Loans 30-89 Days Past Due as a % of EOP Managed Loans - as disclosed	4.42		%	4.34		%	4.76		%	4.41		%	4.36		%
Impact from Credit Card Securitizations	0.41		%	0.35		%	0.33		%	0.69		%	0.00		%
Loans 30-89 Days Past Due as a % of EOP Loans	4.83		%	4.69		%	5.09		%	5.10		%	4.36		%

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 taxes. 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
	2009			2009			2009			2009		2010

Tangible Book Value Per Share (page 1):

Total Common Equity	$	69,688		$	78,001		$	140,530		$	152,388	$	151,109
Less:
Goodwill - as reported	26,410			25,578			25,423			25,392		25,662
Intangible Assets (Other than MSRs) - as reported	13,612			10,098			8,957			8,714		8,277

Goodwill and Intangible Assets - recorded as Assets of Discontinued Operations Held For Sale	—			3,618			3,856			—		—

Goodwill and Intangible Assets - recorded as Assets Held for Sale	—			—			1,377			—		45
Net Deferred Taxes — Related to Goodwill and Intangible Assets	(1,254		)	(1,296		)	(1,381		)	68		65
Tangible Common Equity	$	30,920		$	40,003		$	102,298		$	118,214	$	117,060
Common Shares Outstanding, at period end	5,512.8			5,507.7			22,863.9			28,483.3		28,620.2
Tangible Book Value Per Share	$	5.61		$	7.26		$	4.47		$	4.15	$	4.09

Reclassified to conform to the current period’s presentation.

	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 - 11
EMEA	12 - 13
Latin America	14 - 15
Asia	16 - 17
Institutional Clients Group (ICG)	18
Securities and Banking	19
Transaction Services	20

Regional Totals
North America	21
EMEA	22
Latin America	23
Asia	24

Citi Holdings

Income Statement and Balance Sheet Summary	25
Brokerage and Asset Management	26
Local Consumer Lending	27 - 30
Special Asset Pool	31

Citigroup Supplemental Detail
Average Balances and Interest Rates	32
Deposits	33
Consumer Loan Delinquency Amounts, Net Credit Losses and Ratios
90+ Days	34
30-89 Days	35
Allowance for Credit Losses
Total Citigroup	36
Consumer and Corporate	37
Components of Provision for Loan Losses
Citicorp	38
Citi Holdings / Total Citigroup	39
Non-Accrual Assets
Total Citigroup	40
Citicorp	41
Citi Holdings	42

Reconciliation of Non-GAAP Financial Measures	43 - 46