Exhibit 12.02

CITIGROUP INC.
CALCULATION OF RATIO OF INCOME TO FIXED CHARGES
INCLUDING PREFERRED STOCK DIVIDENDS
	Years ended December 31,
In millions of dollars, except for ratios	2013		2012		2011		2010		2009
EXCLUDING INTEREST ON DEPOSITS:
Fixed Charges
Interest expense (other than interest on deposits)	$	9,941	$	12,922	$	15,678	$	16,725	$	17,711
Interest factor in rent expense	460		496		495		500		522
Dividends--Preferred Stock	194		26		26		9		22,708
Total fixed charges	$	10,595	$	13,444	$	16,199	$	17,234	$	40,941
Income
Income from continuing operations before taxes and noncontrolling interests	$	19,497	$	7,825	$	14,722	$	13,116	$	(7,776	)
Fixed charges (including preferred stock dividends)	$	10,595	$	13,444	$	16,199	$	17,234	$	40,941
Total income	30,092		21,269		30,921		30,350		33,165
Ratio of income to fixed charges excluding interest on deposits	2.84		1.58		1.91		1.76		NM
INCLUDING INTEREST ON DEPOSITS:
Fixed Charges
Interest expense	$	16,177	$	20,612	$	24,209	$	25,057	$	27,902
Interest factor in rent expense	460		496		495		500		522
Dividends--Preferred Stock	194		26		26		9		22,708
Total fixed charges	$	16,831	$	21,134	$	24,730	$	25,566	$	51,132
Income
Income from continuing operations before taxes and noncontrolling interests	$	19,497	$	7,825	$	14,722	$	13,116	$	(7,776	)
Fixed charges (including preferred stock dividends)	$	16,831	$	21,134	$	24,730	$	25,566	$	51,132
Total income	36,328		28,959		39,452		38,682		43,356
Ratio of income to fixed charges including interest on deposits	2.16		1.37		1.60		1.51		NM