Exhibit 99.2

CITIGROUP -  QUARTERLY FINANCIAL DATA SUPPLEMENT 1Q16

	Page
Citigroup Consolidated
Financial Summary	1
Consolidated Statement of Income	2
Consolidated Balance Sheet	3
Segment Detail
Net Revenues	4
Income & Citicorp Regional Average Assets and ROA	5
Citicorp
Income Statement and Balance Sheet Data	6
Global Consumer Banking (GCB)	7 - 8
North America	9 - 11
Latin America	12 - 13
Asia (1)	14 - 15
Institutional Clients Group (ICG)	16
Revenues by Business	17
Corporate / Other	18
Citi Holdings
Income Statement and Balance Sheet Data	19
Consumer Key Indicators	20 - 21
Citigroup Supplemental Detail
Average Balances and Interest Rates	22
Deposits	23
Loans
Citicorp	24
Citi Holdings / Total Citigroup	25
Consumer Loan Delinquency Amounts and Ratios
90+ Days	26
30-89 Days	27
Allowance for Credit Losses
Total Citigroup	28
Consumer and Corporate	29 - 30
Components of Provision for Loan Losses
Citicorp	31
Citi Holdings / Total Citigroup	32
Non-Accrual Assets
Total Citigroup	33
Citicorp	34
Citi Holdings	35
Reconciliation of Non-GAAP Financial Measures	36

(1)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

CITIGROUP — FINANCIAL SUMMARY (In millions of dollars, except per share amounts, and as otherwise noted)

	1Q			2Q			3Q			4Q			1Q			1Q16 Increase/ (Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Total Revenues, Net of Interest Expense	$	19,736		$	19,470		$	18,692		$	18,456		$	17,555		(5	)%	(11	)%
Total Operating Expenses	10,884			10,928			10,669			11,134			10,523			(5	)%	(3	)%
Net Credit Losses (NCLs)	1,957			1,920			1,663			1,762			1,724			(2	)%	(12	)%
Credit Reserve Build / (Release)	(202		)	(405		)	(81		)	494			162			(67	)%	NM
Provision (Release) for Unfunded Lending Commitments	(37		)	(48		)	65			94			71			(24	)%	NM
Provision for Benefits and Claims	197			181			189			164			88			(46	)%	(55	)%
Provisions for Credit Losses and for Benefits and Claims	$	1,915		$	1,648		$	1,836		$	2,514		$	2,045		(19	)%	7	%
Income from Continuing Operations before Income Taxes	6,937			6,894			6,187			4,808			4,987			4	%	(28	)%
Income Taxes (benefits)	2,120			2,036			1,881			1,403			1,479			5	%	(30	)%
Income from Continuing Operations	$	4,817		$	4,858		$	4,306		$	3,405		$	3,508		3	%	(27	)%
Income (Loss) from Discontinued Operations, net of Taxes	(5		)	6			(10		)	(45		)	(2		)	96	%	60	%
Net Income before Noncontrolling Interests	4,812			4,864			4,296			3,360			3,506			4	%	(27	)%
Net Income Attributable to Noncontrolling Interests	42			18			5			25			5			(80	)%	(88	)%
Citigroup’s Net Income	$	4,770		$	4,846		$	4,291		$	3,335		$	3,501		5	%	(27	)%
Diluted Earnings Per Share:
Income from Continuing Operations	$	1.51		$	1.51		$	1.36		$	1.03		$	1.11		8	%	(26	)%
Citigroup’s Net Income	$	1.51		$	1.51		$	1.35		$	1.02		$	1.10		8	%	(27	)%
Shares (in millions):
Average Basic	3,034.2			3,020.0			2,993.3			2,968.3			2,943.0			(1	)%	(3	)%
Average Diluted	3,039.3			3,025.0			2,996.9			2,969.5			2,943.1			(1	)%	(3	)%
Common Shares Outstanding, at period end	3,034.1			3,009.8			2,979.0			2,953.3			2,934.9			(1	)%	(3	)%
Preferred Dividends - Basic	$	128		$	202		$	174		$	265		$	210		(21	)%	64	%
Preferred Dividends - Diluted	$	128		$	202		$	174		$	265		$	210		(21	)%	64	%
Income Allocated to Unrestricted Common Shareholders - Basic
Income from Continuing Operations	$	4,585		$	4,574		$	4,070		$	3,072		$	3,253		6	%	(29	)%
Citigroup’s Net Income	$	4,580		$	4,580		$	4,061		$	3,028		$	3,251		7	%	(29	)%
Income Allocated to Unrestricted Common Shareholders - Diluted
Income from Continuing Operations	$	4,585		$	4,574		$	4,070		$	3,072		$	3,253		6	%	(29	)%
Citigroup’s Net Income	$	4,580		$	4,580		$	4,061		$	3,028		$	3,251		7	%	(29	)%
Regulatory Capital Ratios and Performance Metrics:
Common Equity Tier 1 Capital Ratio (1) (2)	11.06		%	11.37		%	11.67		%	12.07		%	12.3		%
Tier 1 Capital Ratio (1) (2)	12.07		%	12.54		%	12.91		%	13.49		%	13.8		%
Total Capital Ratio (1) (2)	13.38		%	14.14		%	14.60		%	15.30		%	15.7		%
Supplementary Leverage Ratio (2) (3)	6.44		%	6.72		%	6.85		%	7.08		%	7.4		%
Return on Average Assets	1.04		%	1.06		%	0.94		%	0.74		%	0.79		%
Return on Average Common Equity	9.4		%	9.1		%	8.0		%	5.9		%	6.4		%
Efficiency Ratio (Total Operating Expenses/Total Revenues, net)	55		%	56		%	57		%	60		%	60		%
Balance Sheet Data (in billions of dollars, except Book Value Per Share):
Total Assets	$	1,831.8		$	1,829.4		$	1,808.4		$	1,731.2		$	1,801.0		4	%	(2	)%
Total Average Assets	1,853.1			1,839.7			1,818.4			1,784.3			1,777.6			—		(4	)%
Total Deposits	899.6			908.0			904.2			907.9			934.6			3	%	4	%
Citigroup’s Stockholders’ Equity	214.6			219.4			220.8			221.9			227.5			3	%	6	%
Book Value Per Share	66.79			68.27			69.03			69.46			71.47			3	%	7	%
Tangible Book Value Per Share (4)	57.66			59.18			60.07			60.61			62.58			3	%	9	%
Direct Staff (in thousands)	239			238			239			231			225			(3	)%	(6	)%

(1)Citigroup’s risk-based capital ratios, which reflect full implementation of the U.S. Basel III rules, are non-GAAP financial measures. These ratios are calculated under the Basel III Advanced Approaches framework.  See page 36 for a reconciliation of Citi’s Common Equity Tier 1 Capital to reported results.

(2)March 31, 2016 ratios are preliminary.

(3)Citigroup’s Supplementary Leverage Ratio, which reflects full implementation of the U.S. Basel III rules, is a non-GAAP financial measure.  See page 36 for a reconciliation of this measure to reported results.

(4)Tangible book value per share is a non-GAAP financial measure.  See page 36 for a reconciliation of this measure to reported results.

Note:  Ratios and variance percentages are calculated based on the displayed amounts.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 1

CITIGROUP CONSOLIDATED STATEMENT OF INCOME (In millions of dollars)

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Revenues
Interest revenue	$	14,600		$	14,873		$	14,714		$	14,364		$	14,167		(1	)%	(3	)%
Interest expense	3,028			3,051			2,941			2,901			2,940			1	%	(3	)%
Net interest revenue	11,572			11,822			11,773			11,463			11,227			(2	)%	(3	)%
Commissions and fees	3,170			3,194			2,732			2,752			2,463			(11	)%	(22	)%
Principal transactions	1,971			2,173			1,327			537			1,840			NM		(7	)%
Administrative and other fiduciary fees	962			995			870			821			811			(1	)%	(16	)%
Realized gains (losses) on investments	307			183			151			41			186			NM		(39	)%
Other-than-temporary impairment losses on investments and other assets	(72		)	(43		)	(80		)	(70		)	(465		)	NM		NM
Insurance premiums	497			482			464			402			264			(34	)%	(47	)%
Other revenue	1,329			664			1,455			2,510			1,229			(51	)%	(8	)%
Total non-interest revenues	8,164			7,648			6,919			6,993			6,328			(10	)%	(22	)%
Total revenues, net of interest expense	19,736			19,470			18,692			18,456			17,555			(5	)%	(11	)%
Provisions for Credit Losses and for Benefits and Claims
Net credit losses	1,957			1,920			1,663			1,762			1,724			(2	)%	(12	)%
Credit reserve build / (release)	(202		)	(405		)	(81		)	494			162			(67	)%	NM
Provision for loan losses	1,755			1,515			1,582			2,256			1,886			(16	)%	7	%
Provison for Policyholder benefits and claims	197			181			189			164			88			(46	)%	(55	)%
Provision for unfunded lending commitments	(37		)	(48		)	65			94			71			(24	)%	NM
Total provisions for credit losses and for benefits and claims	1,915			1,648			1,836			2,514			2,045			(19	)%	7	%
Operating Expenses
Compensation and benefits	5,520			5,483			5,321			5,445			5,556			2	%	1	%
Premises and Equipment	709			737			722			710			651			(8	)%	(8	)%
Technology / communication expense	1,600			1,656			1,628			1,697			1,649			(3	)%	3	%
Advertising and marketing expense	392			393			391			371			390			5	%	(1	)%
Other operating	2,663			2,659			2,607			2,911			2,277			(22	)%	(14	)%
Total operating expenses	10,884			10,928			10,669			11,134			10,523			(5	)%	(3	)%
Income from Continuing Operations before Income Taxes	6,937			6,894			6,187			4,808			4,987			4	%	(28	)%
Provision (benefits) for income taxes	2,120			2,036			1,881			1,403			1,479			5	%	(30	)%
Income from Continuing Operations	4,817			4,858			4,306			3,405			3,508			3	%	(27	)%
Discontinued Operations
Income (Loss) from Discontinued Operations	(8		)	9			(15		)	(69		)	(3		)	96	%	63	%
Gain (Loss) on Sale	—			—			—			—			—			—		—
Provision (benefits) for income taxes	(3		)	3			(5		)	(24		)	(1		)	96	%	67	%
Income (Loss) from Discontinued Operations, net of taxes	(5		)	6			(10		)	(45		)	(2		)	96	%	60	%
Net Income before Noncontrolling Interests	4,812			4,864			4,296			3,360			3,506			4	%	(27	)%
Net Income attributable to noncontrolling interests	42			18			5			25			5			(80	)%	(88	)%
Citigroup’s Net Income	$	4,770		$	4,846		$	4,291		$	3,335		$	3,501		5	%	(27	)%

NM Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 2

CITIGROUP CONSOLIDATED BALANCE SHEET (In millions of dollars)

																1Q16 Increase/
	March 31,			June 30,			September 30,			December 31,			March 31,			(Decrease) from
	2015			2015			2015			2015			2016 (1)			4Q15		1Q15
Assets
Cash and due from banks (including segregated cash and other deposits)	$	21,880		$	23,413		$	21,726		$	20,900		$	22,240		6	%	2	%
Deposits with banks	133,896			130,685			137,935			112,197			136,049			21	%	2	%
Fed funds sold and securities borr’d or purch under agree. to resell	239,015			237,054			231,695			219,675			225,093			2	%	(6	)%
Brokerage receivables	35,637			43,921			37,875			27,683			35,261			27	%	(1	)%
Trading account assets	302,983			279,197			266,946			249,956			273,747			10	%	(10	)%
Investments
Available-for-sale and non-marketable equity securities	303,561			301,955			308,499			306,740			316,362			3	%	4	%
Held-to-maturity	23,254			30,166			33,940			36,215			36,890			2	%	59	%
Total Investments	326,815			332,121			342,439			342,955			353,252			3	%	8	%
Loans, net of unearned income
Consumer	337,733			338,194			329,219			325,785			317,900			(2	)%	(6	)%
Corporate	283,321			293,924			293,225			291,832			300,924			3	%	6	%
Loans, net of unearned income	621,054			632,118			622,444			617,617			618,824			—		—
Allowance for loan losses	(14,598		)	(14,075		)	(13,626		)	(12,626		)	(12,712		)	(1	)%	13	%
Total loans, net	606,456			618,043			608,818			604,991			606,112			—		—
Goodwill	23,150			23,012			22,444			22,349			22,575			1	%	(2	)%
Intangible assets (other than MSRs)	4,244			4,071			3,880			3,721			3,493			(6	)%	(18	)%
Mortgage servicing rights (MSRs)	1,685			1,924			1,766			1,781			1,524			(14	)%	(10	)%
Other assets (2)	136,040			135,929			132,832			125,002			121,621			(3	)%	(11	)%
Total assets	$	1,831,801		$	1,829,370		$	1,808,356		$	1,731,210		$	1,800,967		4	%	(2	)%
Liabilities
Non-interest-bearing deposits in U.S. offices	$	136,568		$	135,013		$	141,425		$	139,249		$	138,153		(1	)%	1	%
Interest-bearing deposits in U.S. offices	275,423			268,947			267,057			280,234			284,969			2	%	3	%
Total U.S. Deposits	411,991			403,960			408,482			419,483			423,122			1	%	3	%
Non-interest-bearing deposits in offices outside the U.S.	71,653			72,629			73,188			71,577			77,865			9	%	9	%
Interest-bearing deposits in offices outside the U.S.	416,003			431,448			422,573			416,827			433,604			4	%	4	%
Total International Deposits	487,656			504,077			495,761			488,404			511,469			5	%	5	%
Total deposits	899,647			908,037			904,243			907,887			934,591			3	%	4	%
Fed funds purch and securities loaned or sold under agree. to repurch.	175,371			177,012			168,604			146,496			157,208			7	%	(10	)%
Brokerage payables	58,252			54,867			59,557			53,722			58,257			8	%	—
Trading account liabilities	142,438			136,295			125,981			117,512			136,146			16	%	(4	)%
Short-term borrowings	39,405			25,907			23,715			21,079			20,893			(1	)%	(47	)%
Long-term debt	210,522			211,845			213,533			201,275			207,835			3	%	(1	)%
Other liabilities (2)	90,143			94,582			90,586			60,147			57,276			(5	)%	(36	)%
Total liabilities	$	1,615,778		$	1,608,545		$	1,586,219		$	1,508,118		$	1,572,206		4	%	(3	)%
Equity
Stockholders’ equity
Preferred stock	$	11,968		$	13,968		$	15,218		$	16,718		$	17,753		6	%	48	%
Common stock	31			31			31			31			31			—		—
Additional paid-in capital	108,124			108,219			108,261			108,288			107,590			(1	)%	—
Retained earnings	122,463			126,954			130,921			133,841			136,998			2	%	12	%
Treasury stock	(3,275		)	(4,628		)	(6,326		)	(7,677		)	(8,224		)	(7	)%	NM
Accumulated other comprehensive income (loss)	(24,691		)	(25,104		)	(27,257		)	(29,344		)	(26,626		)	9	%	(8	)%
Total common equity	$	202,652		$	205,472		$	205,630		$	205,139		$	209,769		2	%	4	%
Total Citigroup stockholders’ equity	$	214,620		$	219,440		$	220,848		$	221,857		$	227,522		3	%	6	%
Noncontrolling interests	1,403			1,385			1,289			1,235			1,239			—		(12	)%
Total equity	216,023			220,825			222,137			223,092			228,761			3	%	6	%
Total liabilities and equity	$	1,831,801		$	1,829,370		$	1,808,356		$	1,731,210		$	1,800,967		4	%	(2	)%

(1)Preliminary.

(2)Includes allowance for credit losses for letters of credit and unfunded lending commitments.  See page 28 for amounts by period.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 3

CITIGROUP SEGMENT DETAIL NET REVENUES (In millions of dollars)

													1Q16 Increase/
	1Q			2Q		3Q		4Q			1Q		(Decrease) from
	2015			2015		2015		2015			2016		4Q15		1Q15
CITICORP
Global Consumer Banking
North America	$	5,060		$	4,895	$	4,893	$	4,870		$	4,874	—		(4	)%
Latin America	1,432			1,432		1,545		1,361			1,241		(9	)%	(13	)%
Asia (1)	1,810			1,857		1,696		1,644			1,655		1	%	(9	)%
Total	8,302			8,184		8,134		7,875			7,770		(1	)%	(6	)%
Institutional Clients Group (Ex-CVA/DVA) (2)
North America	3,318			3,379		3,346		2,779			3,046		10	%	(8	)%
EMEA	3,006			2,435		2,253		2,132			2,207		4	%	(27	)%
Latin America	1,000			1,011		1,062		970			975		1	%	(3	)%
Asia	1,822			1,818		1,777		1,614			1,808		12	%	(1	)%
Total	9,146			8,643		8,438		7,495			8,036		7	%	(12	)%
Corporate / Other	212			371		218		107			274		NM		29	%
Total Citicorp (Ex-CVA/DVA) (2)	17,660			17,198		16,790		15,477			16,080		4	%	(9	)%
Total Citi Holdings (Ex-CVA/DVA) (2)	2,149			1,960		1,706		3,160			1,475		(53	)%	(31	)%
Total Citigroup - Net Revenues (Ex-CVA/DVA) (2)	$	19,809		$	19,158	$	18,496	$	18,637		$	17,555	(6	)%	(11	)%
CVA/DVA for Periods Prior to 1Q16 (2)	(73		)	312		196		(181		)	—		100	%	100	%
Total Citigroup - Net Revenues	$	19,736		$	19,470	$	18,692	$	18,456		$	17,555	(5	)%	(11	)%

(1)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

(2)Credit valuation adjustments (CVA) on derivatives (counterparty and own-credit), net of hedges; Funding Valuation Adjustments (FVA) on derivatives; and Debt Valuation Adjustments (DVA) on Citigroup’s fair value option liabilities (collectively referred to as CVA/DVA). During the first quarter of 2016, Citi adopted ASU No. 2016-01, Financial Instruments-Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Liabilities on a prospective basis.  Accordingly, beginning in the first quarter of 2016, changes in DVA are reflected as a component of Accumulated Other Comprehensive Income.  In the table above and on pages 5, 16, 17 and 19, adjusted results for all periods prior to the first quarter of 1Q16, exclude the impact of CVA/DVA, as noted, consistent with previous presentations. Citigroup’s results of operations excluding the impact of CVA/DVA are non-GAAP financial measures.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 4

CITIGROUP SEGMENT DETAIL INCOME (In millions of dollars)

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Income from Continuing Operations:
CITICORP
Global Consumer Banking
North America	$	1,153		$	1,085		$	1,080		$	993		$	860		(13	)%	(25	)%
Latin America	220			190			306			152			156			3	%	(29	)%
Asia (1)	339			336			305			217			215			(1	)%	(37	)%
Total	1,712			1,611			1,691			1,362			1,231			(10	)%	(28	)%
Institutional Clients Group (Ex-CVA/DVA) (2)
North America	980			989			931			517			584			13	%	(40	)%
EMEA	1,003			613			408			231			399			73	%	(60	)%
Latin America	381			420			397			190			337			77	%	(12	)%
Asia	654			648			554			441			639			45	%	(2	)%
Total	3,018			2,670			2,290			1,379			1,959			42	%	(35	)%
Corporate / Other	(19		)	231			183			101			(29		)	NM		(53	)%
Total Citicorp (Ex-CVA/DVA) (2)	4,711			4,512			4,164			2,842			3,161			11	%	(33	)%
Total Citi Holdings (Ex-CVA/DVA) (2)	153			150			15			677			347			(49	)%	NM
Income From Continuing Operations - Ex-CVA/DVA (2)	4,864			4,662			4,179			3,519			3,508			—		(28	)%
Discontinued Operations	(5		)	6			(10		)	(45		)	(2		)	96	%	60	%
Net Income Attributable to Noncontrolling Interests	42			18			5			25			5			(80	)%	(88	)%
Citigroup’s Net Income - Ex-CVA/DVA (2)	$	4,817		$	4,650		$	4,164		$	3,449		$	3,501		2	%	(27	)%
CVA/DVA (after-tax) for Periods Prior to 1Q16 (2)	(47		)	196			127			(114		)	—			100	%	100	%
Total Citigroup - Net Income	$	4,770		$	4,846		$	4,291		$	3,335		$	3,501		5	%	(27	)%
Citicorp - Average Assets
North America	$	885		$	876		$	881		$	887		$	904		2	%	2	%
EMEA (1)	317			331			312			300			301			—		(5	)%
Latin America	146			145			139			141			137			(3	)%	(6	)%
Asia (1)	311			313			307			308			307			—		(1	)%
Corporate / Other	60			49			59			51			51			—		(15	)%
Total	$	1,719		$	1,714		$	1,698		$	1,687		$	1,700		1	%	(1	)%
Citicorp - Return on Average Assets (ROA)(Ex-CVA/DVA) (3)
North America	0.97		%	0.95		%	0.91		%	0.68		%	0.64		%
EMEA (1)	1.25		%	0.73		%	0.52		%	0.29		%	0.52		%
Latin America	1.67		%	1.68		%	2.00		%	0.95		%	1.44		%
Asia (1)	1.30		%	1.26		%	1.10		%	0.85		%	1.12		%
Corporate/Other	(0.23		)%	1.96		%	1.14		%	0.38		%	(0.18		)%
Total	1.10		%	1.05		%	0.97		%	0.65		%	0.75		%

(1)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

(2)See footnote 2 on page 4.

(3)For all periods prior to 1Q16, ROA is calculated based on Net Income, excluding CVA/DVA.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 5

CITICORP INCOME STATEMENT AND BALANCE SHEET DATA (In millions of dollars, except as otherwise noted)

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Revenues
Net interest revenue	$	10,313		$	10,622		$	10,622		$	10,616		$	10,630		—		3	%
Non-interest revenue	7,278			6,879			6,389			4,675			5,450			17	%	(25	)%
Total revenues, net of interest expense	17,591			17,501			17,011			15,291			16,080			5	%	(9	)%
Provisions for Credit Losses and for Benefits and Claims
Net credit losses	1,488			1,586			1,391			1,501			1,581			5	%	6	%
Credit reserve build / (release)	(30		)	(220		)	90			421			193			(54	)%	NM
Provision for loan losses	1,458			1,366			1,481			1,922			1,774			(8	)%	22	%
Provision for benefits and claims	28			21			28			30			28			(7	)%	—
Provision for unfunded lending commitments	(32		)	(50		)	84			95			73			(23	)%	NM
Total provisions for credit losses and for benefits and claims	1,454			1,337			1,593			2,047			1,875			(8	)%	29	%
Total operating expenses	9,499			9,566			9,295			9,684			9,695			—		2	%
Income from Continuing Operations before Income Taxes	6,638			6,598			6,123			3,560			4,510			27	%	(32	)%
Provision for income taxes	1,971			1,896			1,816			835			1,349			62	%	(32	)%
Income from Continuing Operations	4,667			4,702			4,307			2,725			3,161			16	%	(32	)%
Income (loss) from Discontinued Operations, net of taxes	(5		)	6			(10		)	(45		)	(2		)	96	%	60	%
Noncontrolling interests	41			18			5			15			4			(73	)%	(90	)%
Citicorp’s Net Income	$	4,621		$	4,690		$	4,292		$	2,665		$	3,155		18	%	(32	)%
Balance Sheet Data (in billions of dollars):
Total EOP Assets	$	1,702		$	1,705		$	1,691		$	1,650		$	1,728		5	%	2	%
Average Assets	$	1,719		$	1,714		$	1,698		$	1,687		$	1,700		1	%	(1	)%
Return on Average Assets	1.09		%	1.10		%	1.00		%	0.63		%	0.75		%
Efficiency Ratio (Operating Expenses/Total Revenues, net)	54		%	55		%	55		%	63		%	60		%
Total EOP Loans	$	554		$	568		$	563		$	569		$	573		1	%	4	%
Total EOP Deposits	$	884		$	896		$	894		$	898		$	925		3	%	5	%

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 6

CITICORP GLOBAL CONSUMER BANKING Page 1 (In millions of dollars, except as otherwise noted)

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Net Interest Revenue	$	6,461		$	6,457		$	6,519		$	6,547		$	6,406		(2	)%	(1	)%
Non-Interest Revenue	1,841			1,727			1,615			1,328			1,364			3	%	(26	)%
Total Revenues, Net of Interest Expense	8,302			8,184			8,134			7,875			7,770			(1	)%	(6	)%
Total Operating Expenses	4,305			4,338			4,231			4,346			4,408			1	%	2	%
Net Credit Losses	1,489			1,504			1,354			1,405			1,370			(2	)%	(8	)%
Credit Reserve Build / (Release)	(149		)	(97		)	(103		)	(44		)	85			NM		NM
Provision for Unfunded Lending Commitments	—			(4		)	1			6			2			(67	)%	NM
Provision for Benefits and Claims	28			21			28			30			28			(7	)%	—
Provisions for Credit Losses and for Benefits and Claims (LLR & PBC)	1,368			1,424			1,280			1,397			1,485			6	%	9	%
Income from Continuing Operations before Taxes	2,629			2,422			2,623			2,132			1,877			(12	)%	(29	)%
Income Taxes	917			811			932			770			646			(16	)%	(30	)%
Income from Continuing Operations	1,712			1,611			1,691			1,362			1,231			(10	)%	(28	)%
Noncontrolling Interests	(4		)	5			8			1			2			100	%	NM
Net Income	$	1,716		$	1,606		$	1,683		$	1,361		$	1,229		(10	)%	(28	)%
Average Assets (in billions of dollars)	$	380		$	381		$	375		$	379		$	378		—		(1	)%
Return on Average Assets (ROA)	1.83		%	1.69		%	1.78		%	1.42		%	1.31		%
Efficiency Ratio	52		%	53		%	52		%	55		%	57		%
Net Credit Losses as a % of Average Loans	2.21		%	2.21		%	1.99		%	2.04		%	2.03		%
Revenue by Business
Retail Banking	$	3,538		$	3,533		$	3,514		$	3,280		$	3,216		(2	)%	(9	)%
Cards (1)	4,764			4,651			4,620			4,595			4,554			(1	)%	(4	)%
Total	$	8,302		$	8,184		$	8,134		$	7,875		$	7,770		(1	)%	(6	)%
Net Credit Losses by Business
Retail Banking	$	255		$	261		$	247		$	295		$	220		(25	)%	(14	)%
Cards (1)	1,234			1,243			1,107			1,110			1,150			4	%	(7	)%
Total	$	1,489		$	1,504		$	1,354		$	1,405		$	1,370		(2	)%	(8	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	579		$	549		$	574		$	313		$	317		1	%	(45	)%
Cards (1)	1,133			1,062			1,117			1,049			914			(13	)%	(19	)%
Total	$	1,712		$	1,611		$	1,691		$	1,362		$	1,231		(10	)%	(28	)%
Foreign Currency (FX) Translation Impact:
Total Revenue - as Reported	$	8,302		$	8,184		$	8,134		$	7,875		$	7,770		(1	)%	(6	)%
Impact of FX Translation (2)	(295		)	(306		)	(119		)	(90		)	—
Total Revenues - Ex-FX (2)	$	8,007		$	7,878		$	8,015		$	7,785		$	7,770		—		(3	)%
Total Operating Expenses - as Reported	$	4,305		$	4,338		$	4,231		$	4,346		$	4,408		1	%	2	%
Impact of FX Translation (2)	(142		)	(147		)	(55		)	(43		)	—
Total Operating Expenses - Ex-FX (2)	$	4,163		$	4,191		$	4,176		$	4,303		$	4,408		2	%	6	%
Total Provisions for LLR & PBC - as Reported	$	1,368		$	1,424		$	1,280		$	1,397		$	1,485		6	%	9	%
Impact of FX Translation (2)	(64		)	(57		)	(24		)	(19		)	—
Total Provisions for LLR & PBC - Ex-FX (2)	$	1,304		$	1,367		$	1,256		$	1,378		$	1,485		8	%	14	%
Net Income - as Reported	$	1,716		$	1,606		$	1,683		$	1,361		$	1,229		(10	)%	(28	)%
Impact of FX Translation (2)	(61		)	(69		)	(30		)	(21		)	—
Net Income - Ex-FX (2)	$	1,655		$	1,537		$	1,653		$	1,340		$	1,229		(8	)%	(26	)%

(1)Includes both Citi-Branded Cards and Citi Retail Services.

(2)Reflects the impact of foreign currency (FX) translation into U.S. Dollars at the first quarter of 2016 average exchange rates for all periods presented.

Citigroup’s results of operations excluding the impact of FX translation are non-GAAP financial measures.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 7

CITICORP GLOBAL CONSUMER BANKING Page 2

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	2,817			2,805			2,795			2,785			2,703			(3	)%	(4	)%
Accounts (in millions)	55.1			55.2			56.2			56.2			54.7			(3	)%	(1	)%
Average Deposits	$	297.9		$	297.9		$	294.9		$	295.2		$	295.6		—		(1	)%
Investment Sales	$	25.5		$	25.5		$	19.7		$	17.3		$	16.4		(5	)%	(36	)%
Investment Assets under Management (AUMs)	$	153.3		$	154.0		$	144.4		$	152.6		$	144.1		(6	)%	(6	)%
Average Loans	$	141.3		$	142.7		$	140.1		$	141.2		$	139.9		(1	)%	(1	)%
EOP Loans:
Real Estate Lending	$	79.3		$	80.1		$	79.0		$	80.2		$	82.2		2	%	4	%
Commercial Markets	33.3			33.7			32.3			31.3			31.6			1	%	(5	)%
Personal and Other	28.4			28.9			28.1			29.2			28.5			(2	)%	—
EOP Loans	$	141.0		$	142.7		$	139.4		$	140.7		$	142.3		1	%	1	%
Net Interest Revenue (in millions) (1)	$	2,162		$	2,214		$	2,200		$	2,215		$	2,191		(1	)%	1	%
As a % of Average Loans	6.21		%	6.22		%	6.23		%	6.22		%	6.30		%
Net Credit Losses (in millions)	$	255		$	261		$	247		$	295		$	220		(25	)%	(14	)%
As a % of Average Loans	0.73		%	0.73		%	0.70		%	0.83		%	0.63		%
Loans 90+ Days Past Due (in millions) (2)	$	540		$	567		$	529		$	523		$	498		(5	)%	(8	)%
As a % of EOP Loans	0.39		%	0.40		%	0.38		%	0.37		%	0.35		%
Loans 30-89 Days Past Due (in millions) (2)	$	791		$	746		$	764		$	739		$	793		7	%	—
As a % of EOP Loans	0.57		%	0.53		%	0.55		%	0.53		%	0.56		%
Cards Key Indicators (in millions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)	135.6			135.9			135.6			135.9			134.1			(1	)%	(1	)%
Purchase Sales (in billions)	$	80.1		$	89.7		$	88.6		$	96.2		$	84.6		(12	)%	6	%
Average Loans (in billions) (3)	$	132.4		$	129.9		$	129.7		$	131.5		$	131.3		—		(1	)%
EOP Loans (in billions) (3)	$	129.8		$	131.7		$	130.3		$	136.3		$	130.3		(4	)%	—
Average Yield (4)	13.39		%	13.33		%	13.25		%	13.09		%	13.21		%
Net Interest Revenue (5)	$	4,299		$	4,243		$	4,319		$	4,332		$	4,215		(3	)%	(2	)%
As a % of Average Loans (5)	13.17		%	13.10		%	13.21		%	13.07		%	12.91		%
Net Credit Losses	$	1,234		$	1,243		$	1,107		$	1,110		$	1,150		4	%	(7	)%
As a % of Average Loans	3.78		%	3.84		%	3.39		%	3.35		%	3.52		%
Net Credit Margin (6)	$	3,520		$	3,399		$	3,501		$	3,476		$	3,396		(2	)%	(4	)%
As a % of Average Loans (6)	10.78		%	10.50		%	10.71		%	10.49		%	10.40		%
Loans 90+ Days Past Due	$	1,592		$	1,453		$	1,452		$	1,596		$	1,524		(5	)%	(4	)%
As a % of EOP Loans	1.23		%	1.10		%	1.11		%	1.17		%	1.17		%
Loans 30-89 Days Past Due	$	1,623		$	1,544		$	1,663		$	1,679		$	1,567		(7	)%	(3	)%
As a % of EOP Loans	1.25		%	1.17		%	1.28		%	1.23		%	1.20		%

(1)Also includes net interest revenue related to the international regions’ deposit balances in excess of the average loan portfolio.

(2)The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes U.S. mortgage loans that are guaranteed by U.S. government-sponsored agencies.   See footnote 1 on page 10.

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

(4)Average yield is gross interest revenue earned divided by average loans.

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

(6)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.

Page 8

CITICORP GLOBAL CONSUMER BANKING NORTH AMERICA Page 1 (In millions of dollars, except as otherwise noted)

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Net Interest Revenue	$	4,336		$	4,312		$	4,455		$	4,506		$	4,442		(1	)%	2	%
Non-Interest Revenue	724			583			438			364			432			19	%	(40	)%
Total Revenues, Net of Interest Expense	5,060			4,895			4,893			4,870			4,874			—		(4	)%
Total Operating Expenses	2,341			2,316			2,319			2,405			2,506			4	%	7	%
Net Credit Losses	960			999			878			914			932			2	%	(3	)%
Credit Reserve Build / (Release)	(99		)	(108		)	(61		)	(69		)	79			NM		NM
Provision for Unfunded Lending Commitments	1			—			—			6			1			(83	)%	—
Provision for Benefits and Claims	10			9			11			8			9			13	%	(10	)%
Provisions for Loan Losses and for Benefits and Claims	872			900			828			859			1,021			19	%	17	%
Income from Continuing Operations before Taxes	1,847			1,679			1,746			1,606			1,347			(16	)%	(27	)%
Income Taxes (benefits)	694			594			666			613			487			(21	)%	(30	)%
Income from Continuing Operations	1,153			1,085			1,080			993			860			(13	)%	(25	)%
Noncontrolling Interests	1			—			1			1			—			(100	)%	(100	)%
Net Income	$	1,152		$	1,085		$	1,079		$	992		$	860		(13	)%	(25	)%
Average Assets (in billions of dollars)	$	208		$	207		$	209		$	210		$	212		1	%	2	%
Return on Average Assets	2.25		%	2.10		%	2.05		%	1.87		%	1.63		%
Efficiency Ratio	46		%	47		%	47		%	49		%	51		%
Net Credit Losses as a % of Average Loans	2.50		%	2.58		%	2.21		%	2.26		%	2.32		%
Revenue by Business
Retail Banking	$	1,414		$	1,379		$	1,347		$	1,338		$	1,307		(2	)%	(8	)%
Citi-Branded Cards	2,009			1,933			1,930			1,937			1,880			(3	)%	(6	)%
Citi Retail Services	1,637			1,583			1,616			1,595			1,687			6	%	3	%
Total	$	5,060		$	4,895		$	4,893		$	4,870		$	4,874		—		(4	)%
Net Credit Losses by Business
Retail Banking	$	35		$	39		$	34		$	42		$	24		(43	)%	(31	)%
Citi-Branded Cards	492			503			443			454			455			—		(8	)%
Citi Retail Services	433			457			401			418			453			8	%	5	%
Total	$	960		$	999		$	878		$	914		$	932		2	%	(3	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	210		$	207		$	161		$	137		$	98		(28	)%	(53	)%
Citi-Branded Cards	539			499			522			515			366			(29	)%	(32	)%
Citi Retail Services	404			379			397			341			396			16	%	(2	)%
Total	$	1,153		$	1,085		$	1,080		$	993		$	860		(13	)%	(25	)%

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 9

CITICORP GLOBAL CONSUMER BANKING NORTH AMERICA Page 2

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	788			779			779			780			729			(7	)%	(7	)%
Accounts (in millions)	11.5			11.3			11.2			11.0			9.6			(13	)%	(17	)%
Investment Sales	$	6.3		$	5.9		$	4.9		$	4.6		$	4.8		4	%	(24	)%
Investment AUMs	$	50.6		$	50.6		$	47.9		$	48.9		$	49.4		1	%	(2	)%
Average Deposits	$	180.4		$	179.9		$	181.4		$	181.2		$	180.6		—		—
Average Loans	$	47.8		$	49.3		$	50.3		$	51.8		$	52.9		2	%	11	%
EOP Loans:
Real Estate Lending	$	37.8		$	38.9		$	40.6		$	41.9		$	42.9		2	%	13	%
Commercial Markets	8.5			8.5			8.4			7.8			8.2			5	%	(4	)%
Personal and Other	1.8			1.8			2.0			2.5			2.4			(4	)%	33	%
Total EOP Loans	$	48.1		$	49.2		$	51.0		$	52.2		$	53.5		2	%	11	%
Mortgage Originations (1)	$	7.0		$	8.8		$	7.5		$	6.2		$	5.5		(11	)%	(21	)%
Third Party Mortgage Servicing Portfolio (EOP)	$	168.2		$	165.0		$	162.6		$	159.5		$	155.9		(2	)%	(7	)%
Net Servicing & Gain/(Loss) on Sale (in millions)	$	168.7		$	179.4		$	107.2		$	110.6		$	97.6		(12	)%	(42	)%
Saleable Mortgage Rate Locks	$	4.4		$	5.0		$	3.9		$	3.2		$	3.1		(3	)%	(30	)%
Net Interest Revenue on Loans (in millions)	$	262		$	266		$	262		$	271		$	276		2	%	5	%
As a % of Avg. Loans	2.22		%	2.16		%	2.07		%	2.08		%	2.10		%
Net Credit Losses (in millions)	$	35		$	39		$	34		$	42		$	24		(43	)%	(31	)%
As a % of Avg. Loans	0.30		%	0.32		%	0.27		%	0.32		%	0.18		%
Loans 90+ Days Past Due (in millions) (2)	$	123		$	150		$	138		$	165		$	152		(8	)%	24	%
As a % of EOP Loans	0.26		%	0.31		%	0.28		%	0.32		%	0.29		%
Loans 30-89 Days Past Due (in millions) (2)	$	203		$	176		$	198		$	221		$	198		(10	)%	(2	)%
As a % of EOP Loans	0.43		%	0.36		%	0.40		%	0.43		%	0.38		%

(1) Originations on First mortgages

(2)The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude 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) were $534 million and ($1.1 billion), $423 million and ($0.8 billion), $498 million and ($0.9 billion), $491 million and ($1.1 billion), and $456 million and ($1.1 billion) as of March 31, 2015, June 30, 2015, September 30, 2015, December 31, 2015 and March 31, 2016, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) were $111 million and ($1.1 billion), $75 million and ($0.8 billion), $79 million and ($0.9 billion), $87 million and ($1.1 billion), and $86 million and ($1.1 billion) as of March 31, 2015, June 30, 2015, September 30, 2015, December 31, 2015 and March 31, 2016, respectively.

Reclassified to conform to the current period’s presentation.

Page 10

CITICORP GLOBAL CONSUMER BANKING NORTH AMERICA Page 3

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Citi-Branded Cards Key Indicators (in millions of dollars, except as otherwise noted) (1)
EOP Open Accounts (in millions)	23.7			23.2			23.3			23.5			23.8			1	%	—
Purchase Sales (in billions)	$	40.9		$	46.1		$	46.6		$	49.0		$	45.9		(6	)%	12	%
Average Loans (in billions) (1)	$	64.1		$	63.2		$	63.9		$	64.6		$	64.7		—		1	%
EOP Loans (in billions) (1)	$	63.5		$	64.5		$	64.8		$	67.2		$	64.9		(3	)%	2	%
Average Yield (2)	10.48		%	10.39		%	10.28		%	10.31		%	10.38		%
Net Interest Revenue (3)	$	1,607		$	1,582		$	1,618		$	1,633		$	1,612		(1	)%	—
As a % of Avg. Loans (3)	10.17		%	10.04		%	10.05		%	10.03		%	10.02		%
Net Credit Losses	$	492		$	503		$	443		$	454		$	455		—		(8	)%
As a % of Average Loans	3.11		%	3.19		%	2.75		%	2.79		%	2.83		%
Net Credit Margin (4)	$	1,513		$	1,426		$	1,482		$	1,481		$	1,421		(4	)%	(6	)%
As a % of Avg. Loans (4)	9.57		%	9.05		%	9.20		%	9.10		%	8.83		%
Loans 90+ Days Past Due	$	569		$	495		$	491		$	538		$	530		(1	)%	(7	)%
As a % of EOP Loans	0.90		%	0.77		%	0.76		%	0.80		%	0.82		%
Loans 30-89 Days Past Due	$	497		$	462		$	504		$	523		$	492		(6	)%	(1	)%
As a % of EOP Loans	0.78		%	0.72		%	0.78		%	0.78		%	0.76		%
Citi Retail Services Key Indicators (in millions of dollars, except as otherwise noted) (1)
EOP Open Accounts	88.7			89.5			89.5			89.9			88.1			(2	)%	(1	)%
Purchase Sales (in billions)	$	16.5		$	20.2		$	19.8		$	23.5		$	16.9		(28	)%	2	%
Average Loans (in billions) (1)	$	43.9		$	42.6		$	43.1		$	44.1		$	44.0		—		—
EOP Loans (in billions) (1)	$	42.4		$	43.2		$	43.1		$	46.1		$	42.5		(8	)%	—
Average Yield (2)	16.96		%	17.00		%	16.94		%	16.49		%	16.92		%
Net Interest Revenue (3)	$	1,885		$	1,843		$	1,925		$	1,939		$	1,899		(2	)%	1	%
As a % of Avg. Loans (3)	17.41		%	17.35		%	17.72		%	17.44		%	17.36		%
Net Credit Losses	$	433		$	457		$	401		$	418		$	453		8	%	5	%
As a % of Average Loans	4.00		%	4.30		%	3.69		%	3.76		%	4.14		%
Net Credit Margin (4)	$	1,198		$	1,120		$	1,209		$	1,170		$	1,230		5	%	3	%
As a % of Avg. Loans (4)	11.07		%	10.55		%	11.13		%	10.53		%	11.24		%
Loans 90+ Days Past Due	$	629		$	567		$	621		$	705		$	665		(6	)%	6	%
As a % of EOP Loans	1.48		%	1.31		%	1.44		%	1.53		%	1.56		%
Loans 30-89 Days Past Due	$	673		$	652		$	758		$	773		$	688		(11	)%	2	%
As a % of EOP Loans	1.59		%	1.51		%	1.76		%	1.68		%	1.62		%

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

(2)Average yield is calculated as gross interest revenue earned divided by average loans.

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

(4)Net credit margin represents total revenues, net of interest expense, less net credit losses and policy benefits and claims.

Reclassified to conform to the current period’s presentation.

Page 11

CITICORP GLOBAL CONSUMER BANKING LATIN AMERICA - PAGE 1 (In millions of dollars, except as otherwise noted)

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Net Interest Revenue	$	990		$	991		$	959		$	945		$	863		(9	)%	(13	)%
Non-Interest Revenue	442			441			586			416			378			(9	)%	(14	)%
Total Revenues, Net of Interest Expense	1,432			1,432			1,545			1,361			1,241			(9	)%	(13	)%
Total Operating Expenses	797			846			795			824			720			(13	)%	(10	)%
Net Credit Losses	356			316			301			307			278			(9	)%	(22	)%
Credit Reserve Build / (Release)	(8		)	19			19			3			17			NM		NM
Provision for Unfunded Lending Commitments	(3		)	—			1			—			1			100	%	NM
Provision for Benefits and Claims	18			12			17			22			19			(14	)%	6	%
Provisions for Credit Losses and for Benefits and Claims (LLR & PBC)	363			347			338			332			315			(5	)%	(13	)%
Income from Continuing Operations before Taxes	272			239			412			205			206			—		(24	)%
Income Taxes	52			49			106			53			50			(6	)%	(4	)%
Income from Continuing Operations	220			190			306			152			156			3	%	(29	)%
Noncontrolling Interests	—			2			1			—			1			100	%	100	%
Net Income	$	220		$	188		$	305		$	152		$	155		2	%	(30	)%
Average Assets (in billions of dollars)	$	57		$	55		$	50		$	52		$	50		(4	)%	(12	)%
Return on Average Assets (1)	1.57		%	1.37		%	2.42		%	1.16		%	1.25		%
Efficiency Ratio	56		%	59		%	51		%	61		%	58		%
Net Credit Losses as a % of Average Loans (1)	5.25		%	4.66		%	4.65		%	4.70		%	4.53		%
Revenue by Business
Retail Banking	$	972		$	975		$	1,100		$	934		$	868		(7	)%	(11	)%
Citi-Branded Cards	460			457			445			427			373			(13	)%	(19	)%
Total	$	1,432		$	1,432		$	1,545		$	1,361		$	1,241		(9	)%	(13	)%
Net Credit Losses by Business
Retail Banking	$	150		$	142		$	138		$	159		$	134		(16	)%	(11	)%
Citi-Branded Cards	206			174			163			148			144			(3	)%	(30	)%
Total	$	356		$	316		$	301		$	307		$	278		(9	)%	(22	)%
Income (loss) from Continuing Operations by Business
Retail Banking	$	148		$	121		$	228		$	65		$	99		52	%	(33	)%
Citi-Branded Cards	72			69			78			87			57			(34	)%	(21	)%
Total	$	220		$	190		$	306		$	152		$	156		3	%	(29	)%
FX Translation Impact:
Total Revenue - as Reported	$	1,432		$	1,432		$	1,545		$	1,361		$	1,241		(9	)%	(13	)%
Impact of FX Translation (1)	(217		)	(220		)	(106		)	(84		)	—
Total Revenues - Ex-FX (1)	$	1,215		$	1,212		$	1,439		$	1,277		$	1,241		(3	)%	2	%
Total Operating Expenses - as Reported	$	797		$	846		$	795		$	824		$	720		(13	)%	(10	)%
Impact of FX Translation (1)	(87		)	(80		)	(41		)	(35		)	—
Total Operating Expenses - Ex-FX (1)	$	710		$	766		$	754		$	789		$	720		(9	)%	1	%
Provisions for LLR & PBC - as Reported	$	363		$	347		$	338		$	332		$	315		(5	)%	(13	)%
Impact of FX Translation (1)	(56		)	(46		)	(24		)	(19		)	—
Provisions for LLR & PBC - Ex-FX (1)	$	307		$	301		$	314		$	313		$	315		1	%	3	%
Net Income - as Reported	$	220		$	188		$	305		$	152		$	155		2	%	(30	)%
Impact of FX Translation (1)	(57		)	(67		)	(31		)	(22		)	—
Net Income - Ex-FX (1)	$	163		$	121		$	274		$	130		$	155		19	%	(5	)%

(1)Reflects the impact of foreign currency (FX) translation into U.S. Dollars at the first quarter of 2016 average exchange rates for all periods presented.

Citigroup’s results of operations excluding the impact of FX translation are non-GAAP financial measures.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 12

CITICORP GLOBAL CONSUMER BANKING LATIN AMERICA - PAGE 2

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	1,498			1,497			1,495			1,492			1,493			—		—
Accounts (in millions)	26.2			26.5			27.3			27.7			27.9			1	%	6	%
Average Deposits	$	29.3		$	28.7		$	27.1		$	27.3		$	27.8		2	%	(5	)%
Investment Sales	$	8.2		$	6.6		$	6.6		$	6.7		$	5.5		(18	)%	(33	)%
Investment AUMs	$	43.8		$	43.3		$	41.4		$	46.7		$	38.6		(17	)%	(12	)%
Average Loans	$	21.1		$	21.1		$	20.1		$	20.4		$	19.5		(4	)%	(8	)%
EOP Loans:
Real Estate Lending	$	4.7		$	4.5		$	4.1		$	3.9		$	4.6		18	%	(2	)%
Commercial Markets	8.8			9.1			8.6			9.2			9.1			(1	)%	3	%
Personal and Other	7.6			7.5			7.1			7.0			6.4			(9	)%	(16	)%
Total EOP Loans	$	21.1		$	21.1		$	19.8		$	20.1		$	20.1		—		(5	)%
Net Interest Revenue (in millions) (1)	$	650		$	648		$	629		$	635		$	597		(6	)%	(8	)%
As a % of Average Loans (1)	12.49		%	12.32		%	12.42		%	12.35		%	12.31		%
Net Credit Losses (in millions)	$	150		$	142		$	138		$	159		$	134		(16	)%	(11	)%
As a % of Average Loans	2.88		%	2.70		%	2.72		%	3.09		%	2.76		%
Loans 90+ Days Past Due (in millions) (2)	$	238		$	232		$	212		$	185		$	172		(7	)%	(28	)%
As a % of EOP Loans (2)	1.13		%	1.10		%	1.07		%	0.92		%	0.86		%
Loans 30-89 Days Past Due (in millions)	$	229		$	217		$	239		$	184		$	256		39	%	12	%
As a % of EOP Loans	1.09		%	1.03		%	1.21		%	0.92		%	1.27		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)	5.9			5.9			5.7			5.6			5.6			—		(5	)%
Purchase Sales (in billions)	$	4.1		$	4.2		$	4.0		$	4.4		$	3.7		(16	)%	(10	)%
Average Loans (in billions) (3)	$	6.4		$	6.1		$	5.6		$	5.5		$	5.2		(5	)%	(19	)%
EOP Loans (in billions) (3)	$	6.1		$	5.9		$	5.4		$	5.4		$	5.3		(2	)%	(13	)%
Average Yield (4)	20.11		%	20.63		%	21.19		%	20.73		%	19.77		%
Net Interest Revenue (in millions) (5)	$	340		$	343		$	330		$	310		$	266		(14	)%	(22	)%
As a % of Average Loans (5)	21.55		%	22.55		%	23.38		%	22.36		%	20.57		%
Net Credit Losses (in millions)	$	206		$	174		$	163		$	148		$	144		(3	)%	(30	)%
As a % of Average Loans	13.05		%	11.44		%	11.55		%	10.68		%	11.14		%
Net Credit Margin (in millions) (6)	$	254		$	283		$	282		$	279		$	229		(18	)%	(10	)%
As a % of Average Loans (6)	16.10		%	18.61		%	19.98		%	20.13		%	17.71		%
Loans 90+ Days Past Due (in millions)	$	203		$	200		$	169		$	173		$	149		(14	)%	(27	)%
As a % of EOP Loans	3.33		%	3.39		%	3.13		%	3.20		%	2.81		%
Loans 30-89 Days Past Due (in millions)	$	204		$	183		$	181		$	157		$	152		(3	)%	(25	)%
As a % of EOP Loans	3.34		%	3.10		%	3.35		%	2.91		%	2.87		%

(1)Also includes net interest revenue related to the region’s deposit balances in excess of the average loan portfolio.

(2)See footnote 3 on page 8.

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

(4)Average yield is gross interest revenue earned divided by average loans.

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

(6)Net credit margin is total revenues, net of interest expense, less net credit losses and policy benefits and claims.

Page 13

CITICORP GLOBAL CONSUMER BANKING ASIA (1) - PAGE 1 (In millions of dollars, except as otherwise noted)

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Net Interest Revenue	$	1,135		$	1,154		$	1,105		$	1,096		$	1,101		—		(3	)%
Non-Interest Revenue	675			703			591			548			554			1	%	(18	)%
Total Revenues, Net of Interest Expense	1,810			1,857			1,696			1,644			1,655			1	%	(9	)%
Total Operating Expenses	1,167			1,176			1,117			1,117			1,182			6	%	1	%
Net Credit Losses	173			189			175			184			160			(13	)%	(8	)%
Credit Reserve Build / (Release)	(42		)	(8		)	(61		)	22			(11		)	NM		74	%
Provision for Unfunded Lending Commitments	2			(4		)	—			—			—			—		(100	)%
Provision for Benefits and Claims	—			—			—			—			—			—		—
Provisions for Credit Losses and for Benefits and Claims (LLR & PBC)	133			177			114			206			149			(28	)%	12	%
Income from Continuing Operations before Taxes	510			504			465			321			324			1	%	(36	)%
Income Taxes	171			168			160			104			109			5	%	(36	)%
Income from Continuing Operations	339			336			305			217			215			(1	)%	(37	)%
Noncontrolling Interests	(5		)	3			6			—			1			100	%	NM
Net Income	$	344		$	333		$	299		$	217		$	214		(1	)%	(38	)%
Average Assets (in billions of dollars)	$	115		$	119		$	116		$	117		$	116		(1	)%	1	%
Return on Average Assets	1.21		%	1.12		%	1.02		%	0.74		%	0.74		%
Efficiency Ratio	64		%	63		%	66		%	68		%	71		%
Net Credit Losses as a % of Average Loans	0.78		%	0.84		%	0.80		%	0.85		%	0.76		%
Revenue by Business
Retail Banking	$	1,152		$	1,179		$	1,067		$	1,008		$	1,041		3	%	(10	)%
Citi-Branded Cards	658			678			629			636			614			(3	)%	(7	)%
Total	$	1,810		$	1,857		$	1,696		$	1,644		$	1,655		1	%	(9	)%
Net Credit Losses by Business
Retail Banking	$	70		$	80		$	75		$	94		$	62		(34	)%	(11	)%
Citi-Branded Cards	103			109			100			90			98			9	%	(5	)%
Total	$	173		$	189		$	175		$	184		$	160		(13	)%	(8	)%
Income from Continuing Operations by Business
Retail Banking	$	221		$	221		$	185		$	111		$	120		8	%	(46	)%
Citi-Branded Cards	118			115			120			106			95			(10	)%	(19	)%
Total	$	339		$	336		$	305		$	217		$	215		(1	)%	(37	)%
FX Translation Impact:
Total Revenue - as Reported	$	1,810		$	1,857		$	1,696		$	1,644		$	1,655		1	%	(9	)%
Impact of FX Translation (2)	(78		)	(86		)	(13		)	(6		)	—
Total Revenues - Ex-FX (2)	$	1,732		$	1,771		$	1,683		$	1,638		$	1,655		1	%	(4	)%
Total Operating Expenses - as Reported	$	1,167		$	1,176		$	1,117		$	1,117		$	1,182		6	%	1	%
Impact of FX Translation (2)	(55		)	(67		)	(14		)	(8		)	—
Total Operating Expenses - Ex-FX (2)	$	1,112		$	1,109		$	1,103		$	1,109		$	1,182		7	%	6	%
Provisions for LLR & PBC - as Reported	$	133		$	177		$	114		$	206		$	149		(28	)%	12	%
Impact of FX Translation (2)	(8		)	(11		)	—			—			—
Provisions for LLR & PBC - Ex-FX (2)	$	125		$	166		$	114		$	206		$	149		(28	)%	19	%
Net Income - as Reported	$	344		$	333		$	299		$	217		$	214		(1	)%	(38	)%
Impact of FX Translation (2)	(4		)	(2		)	1			1			—
Net Income - Ex-FX (2)	$	340		$	331		$	300		$	218		$	214		(2	)%	(37	)%

(1)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

(2)Reflects the impact of foreign currency (FX) translation into U.S. Dollars at the first quarter of 2016 average exchange rates for all periods presented.

Citigroup’s results of operations excluding the impact of FX translation are non-GAAP financial measures.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 14

CITICORP GLOBAL CONSUMER BANKING ASIA (1) - PAGE 2

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)	531			529			521			513			481			(6	)%	(9	)%
Accounts (in millions)	17.4			17.4			17.7			17.5			17.2			(2	)%	(1	)%
Average Deposits	$	88.2		$	89.3		$	86.4		$	86.7		$	87.2		1	%	(1	)%
Investment Sales	$	11.0		$	13.0		$	8.2		$	6.0		$	6.1		2	%	(45	)%
Investment AUMs	$	58.9		$	60.1		$	55.1		$	57.0		$	56.1		(2	)%	(5	)%
Average Loans	$	72.4		$	72.3		$	69.7		$	69.0		$	67.5		(2	)%	(7	)%
EOP Loans:
Real Estate Lending	$	36.8		$	36.7		$	34.3		$	34.4		$	34.7		1	%	(6	)%
Commercial Markets	16.0			16.1			15.3			14.3			14.3			—		(11	)%
Personal and Other	19.0			19.6			19.0			19.7			19.7			—		4	%
Total EOP Loans	$	71.8		$	72.4		$	68.6		$	68.4		$	68.7		—		(4	)%
Net Interest Revenue (in millions) (2)	$	667		$	680		$	659		$	646		$	663		3	%	(1	)%
As a % of Average Loans (2)	3.74		%	3.77		%	3.75		%	3.71		%	3.95		%
Net Credit Losses (in millions)	$	70		$	80		$	75		$	94		$	62		(34	)%	(11	)%
As a % of Average Loans	0.39		%	0.44		%	0.43		%	0.54		%	0.37		%
Loans 90+ Days Past Due (in millions)	$	179		$	185		$	179		$	173		$	174		1	%	(3	)%
As a % of EOP Loans	0.25		%	0.26		%	0.26		%	0.25		%	0.25		%
Loans 30-89 Days Past Due (in millions)	$	359		$	353		$	327		$	334		$	339		1	%	(6	)%
As a % of EOP Loans	0.50		%	0.49		%	0.48		%	0.49		%	0.49		%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)	17.3			17.3			17.1			16.9			16.6			(2	)%	(4	)%
Purchase Sales (in billions)	$	18.6		$	19.2		$	18.2		$	19.3		$	18.1		(6	)%	(3	)%
Average Loans (in billions) (3)	$	18.0		$	18.0		$	17.1		$	17.3		$	17.4		1	%	(3	)%
EOP Loans (in billions) (3)	$	17.8		$	18.1		$	17.0		$	17.6		$	17.6		—		(1	)%
Average Yield (4)	12.62		%	12.51		%	12.42		%	12.39		%	12.51		%
Net Interest Revenue (in millions) (5)	$	467		$	475		$	446		$	450		$	438		(3	)%	(6	)%
As a % of Average Loans (6)	10.52		%	10.58		%	10.35		%	10.32		%	10.12		%
Net Credit Losses (in millions)	$	103		$	109		$	100		$	90		$	98		9	%	(5	)%
As a % of Average Loans	2.32		%	2.43		%	2.32		%	2.06		%	2.27		%
Net Credit Margin (in millions) (6)	$	555		$	570		$	528		$	546		$	516		(5	)%	(7	)%
As a % of Average Loans (6)	12.50		%	12.70		%	12.25		%	12.52		%	11.93		%
Loans 90+ Days Past Due	$	191		$	191		$	171		$	180		$	180		—		(6	)%
As a % of EOP Loans	1.07		%	1.06		%	1.01		%	1.02		%	1.02		%
Loans 30-89 Days Past Due	$	249		$	247		$	220		$	226		$	235		4	%	(6	)%
As a % of EOP Loans	1.40		%	1.36		%	1.29		%	1.28		%	1.34		%

(1)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

(2)Also includes net interest revenue related to the region’s deposit balances in excess of the average loan portfolio.

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

(4)Average yield is gross interest revenue earned divided by average loans.

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

(6)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.

Page 15

CITICORP
INSTITUTIONAL CLIENTS GROUP
(In millions of dollars, except as otherwise noted)

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Commissions and Fees	$	997		$	990		$	958		$	926		$	1,003		8	%	1	%
Administration and Other Fiduciary Fees	613			663			594			573			597			4	%	(3	)%
Investment Banking	1,134			1,120			828			1,028			740			(28	)%	(35	)%
Principal Transactions	2,197			1,793			1,209			619			1,574			NM		(28	)%
Other	257			193			903			55			(8		)	NM		NM
Total Non-Interest Revenue	5,198			4,759			4,492			3,201			3,906			22	%	(25	)%
Net Interest Revenue (including Dividends)	3,879			4,187			4,167			4,108			4,130			1	%	6	%
Total Revenues, Net of Interest Expense	9,077			8,946			8,659			7,309			8,036			10	%	(11	)%
Total Operating Expenses	4,652			4,842			4,715			4,865			4,869			—		5	%
Net Credit Losses	(1		)	82			37			96			211			NM		NM
Credit Reserve Build / (Release)	119			(123		)	193			465			108			(77	)%	(9	)%
Provision for Unfunded Lending Commitments	(32		)	(46		)	83			89			71			(20	)%	NM
Provision for Benefits and Claims	—			—			—			—			—			—		—
Provisions for Credit Losses and for Benefits and Claims	86			(87		)	313			650			390			(40	)%	NM
Income from Continuing Operations before Taxes	4,339			4,191			3,631			1,794			2,777			55	%	(36	)%
Income Taxes	1,365			1,331			1,198			532			818			54	%	(40	)%
Income from Continuing Operations	2,974			2,860			2,433			1,262			1,959			55	%	(34	)%
Noncontrolling Interests	35			15			(6		)	7			10			43	%	(71	)%
Net Income	$	2,939		$	2,845		$	2,439		$	1,255		$	1,949		55	%	(34	)%
Average Assets (in billions of dollars)	$	1,279		$	1,284		$	1,264		$	1,257		$	1,271		1	%	(1	)%
Return on Average Assets	0.93		%	0.89		%	0.77		%	0.40		%	0.62		%
Return on Average Assets (Excluding CVA/DVA) (1)(2)	0.95		%	0.83		%	0.72		%	0.43		%	0.62		%
Efficiency Ratio	51		%	54		%	54		%	67		%	61		%
Revenue by Region - Excluding CVA/DVA (2)
North America	$	3,318		$	3,379		$	3,346		$	2,779		$	3,046		10	%	(8	)%
EMEA	3,006			2,435			2,253			2,132			2,207			4	%	(27	)%
Latin America	1,000			1,011			1,062			970			975			1	%	(3	)%
Asia	1,822			1,818			1,777			1,614			1,808			12	%	(1	)%
Total	$	9,146		$	8,643		$	8,438		$	7,495		$	8,036		7	%	(12	)%
CVA/DVA for Periods Prior to 1Q16 {excluded as applicable in lines above}	(69		)	303			221			(186		)	—			100	%	100	%
Total Revenues, net of Interest Expense	$	9,077		$	8,946		$	8,659		$	7,309		$	8,036		10	%	(11	)%
Income from Continuing Operations by Region - Excluding CVA/DVA (2)
North America	$	980		$	989		$	931		$	517		$	584		13	%	(40	)%
EMEA	1,003			613			408			231			399			73	%	(60	)%
Latin America	381			420			397			190			337			77	%	(12	)%
Asia	654			648			554			441			639			45	%	(2	)%
Total	$	3,018		$	2,670		$	2,290		$	1,379		$	1,959		42	%	(35	)%
CVA/DVA (after-tax) for Periods Prior to 1Q16 {excluded as applicable in lines above}	(44		)	190			143			(117		)	—			100	%	100	%
Income from Continuing Operations	$	2,974		$	2,860		$	2,433		$	1,262		$	1,959		55	%	(34	)%
Average Loans by Region (in billions)
North America	$	117		$	121		$	126		128			$	129		1	%	10	%
EMEA	60			63			63			62			63			2	%	5	%
Latin America	40			41			40			43			43			—		8	%
Asia	62			63			62			61			60			(2	)%	(3	)%
Total	$	279		$	288		$	291		$	294		$	295		—		6	%
EOP Deposits by Region (in billions)
North America	$	194		$	197		$	200		$	199		$	199		—		3	%
EMEA	166			177			173			171			181			6	%	9	%
Latin America	63			64			63			64			68			6	%	8	%
Asia	148			150			159			154			159			3	%	7	%
Total	$	571		$	588		$	595		$	588		$	607		3	%	6	%
EOP Deposits by Business (in billions)
Treasury and Trade Solutions	$	386		$	397		$	399		$	392		$	415		6	%	8	%
All Other ICG Businesses	185			191			196			196			192			(2	)%	4	%
Total	$	571		$	588		$	595		$	588		$	607		3	%	6	%

(1)  For all periods prior to 1Q16, Return on Average Assets excluding CVA/DVA is defined as annualized net income less CVA/DVA, divided by average assets.  See above for the after-tax CVA/DVA for each period presented.

(2)  See footnote 2 on page 4.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 16

CITICORP INSTITUTIONAL CLIENTS GROUP REVENUES BY BUSINESS (In millions of dollars, except as otherwise noted)

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Revenue Details - Excluding CVA/DVA:
Investment Banking:
Advisory	$	295		$	257		$	239		$	302		$	227		(25	)%	(23	)%
Equity Underwriting	231			296			173			206			118			(43	)%	(49	)%
Debt Underwriting	676			737			532			623			530			(15	)%	(22	)%
Total Investment Banking	1,202			1,290			944			1,131			875			(23	)%	(27	)%
Treasury and Trade Solutions	1,890			1,955			1,933			1,992			1,951			(2	)%	3	%
Corporate Lending - Excluding Gain/(Loss) on Loan Hedges	476			476			433			432			455			5	%	(4	)%
Private Bank	709			747			715			691			746			8	%	5	%
Total Banking Revenues (Ex-CVA/DVA and Gain/(Loss) on Loan Hedges) (1) (2)	$	4,277		$	4,468		$	4,025		$	4,246		$	4,027		(5	)%	(6	)%
Corporate Lending — Gain/(Loss) on Loan Hedges (2)	52			(66		)	352			(14		)	(66		)	NM		NM
Total Banking Revenues (Ex-CVA/DVA) and including G(L) on Loan Hedges (1)	$	4,329		$	4,402		$	4,377		$	4,232		$	3,961		(6	)%	(9	)%
Fixed Income Markets	3,484			3,047			2,566			2,221			3,085			39	%	(11	)%
Equity Markets	867			649			1,002			603			706			17	%	(19	)%
Securities Services	543			570			513			517			562			9	%	3	%
Other	(77		)	(25		)	(20		)	(78		)	(278		)	NM		NM
Total Markets and Securities Services (Ex-CVA/DVA) (1)	$	4,817		$	4,241		$	4,061		$	3,263		$	4,075		25	%	(15	)%
Total ICG (Ex-CVA/DVA) (1)	$	9,146		$	8,643		$	8,438		$	7,495		$	8,036		7	%	(12	)%
CVA/DVA for Periods Prior to 1Q16 {excluded as applicable in lines above}	(69		)	303			221			(186		)	—			100	%	100	%
Total Revenues, net of Interest Expense	$	9,077		$	8,946		$	8,659		$	7,309		$	8,036		10	%	(11	)%
Taxable-equivalent adjustments (3)	$	164		$	161		$	162		$	173		$	166		(4	)%	1	%
Total ICG Revenues (Ex-CVA/DVA) and including Taxable-equivalent adjustments (1) (3)	$	9,310		$	8,804		$	8,600		$	7,668		$	8,202		7	%	(12	)%

(1)	See footnote 2 on page 4.
(2)	Hedges on accrual loans reflect the mark-to-market on credit derivatives used to economically hedge the corporate loan accrual portfolio. The fixed premium costs of these hedges is netted against the core lending revenues to reflect the cost of credit protection.  Citigroup’s results of operations excluding the impact of gain/(loss) on loan hedges are non-GAAP financial measures.
(3)	Primarily relates to income tax credits related to affordable housing and alternative energy investments as well as tax exempt income from municipal bond investments.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 17

CORPORATE / OTHER (1) (In millions of dollars, except as otherwise noted)

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Net Interest Revenue	$	(27	)	$	(22	)	$	(64	)	$	(39	)	$	94		NM		NM
Non-Interest Revenue	239			393			282			146			180			23	%	(25	)%
Total Revenues, Net of Interest Expense	212			371			218			107			274			NM		29	%
Total Operating Expenses	542			386			349			473			418			(12	)%	(23	)%
Net Credit Losses	—			—			—			—			—			—		—
Credit Reserve Build / (Release)	—			—			—			—			—			—		—
Provision for Benefits and Claims	—			—			—			—			—			—		—
Provision for Unfunded Lending Commitments	—			—			—			—			—			—		—
Provisions for Loan Losses and for Benefits and Claims	—			—			—			—			—			—		—
Income from Continuing Operations before Taxes	(330		)	(15		)	(131		)	(366		)	(144		)	61	%	56	%
Income Taxes	(311		)	(246		)	(314		)	(467		)	(115		)	75	%	63	%
Income from Continuing Operations	(19		)	231			183			101			(29		)	NM		(53	)%
Income (Loss) from Discontinued Operations, net of taxes	(5		)	6			(10		)	(45		)	(2		)	96	%	60	%
Noncontrolling Interests	10			(2		)	3			7			(8		)	NM		NM
Net Income (Loss)	$	(34	)	$	239		$	170		$	49		$	(23	)	NM		32	%
EOP Assets (in billions of dollars)	$	52		$	52		$	52		$	52		$	51		(2	)%	(2	)%
Average Assets (in billions of dollars)	$	60		$	49		$	59		$	51		$	51		—		(15	)%

(1) Includes certain costs of global staff functions, other corporate expenses and certain global operations and technology expenses, Corporate Treasury, and Discontinued operations.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 18

CITI HOLDINGS INCOME STATEMENT AND BALANCE SHEET DATA (In millions of dollars, except as otherwise noted)

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Revenues
Net interest revenue	$	1,259		$	1,200		$	1,151		$	847		$	597		(30	)%	(53	)%
Non-interest revenue (1)	886			769			530			2,318			878			(62	)%	(1	)%
Total revenues, net of interest expense	2,145			1,969			1,681			3,165			1,475			(53	)%	(31	)%
Provisions for Credit Losses and for Benefits and Claims
Net Credit Losses	469			334			272			261			143			(45	)%	(70	)%
Credit Reserve Build / (Release) (2)	(172		)	(185		)	(171		)	73			(31		)	NM		82	%
Provision for loan losses (1)	297			149			101			334			112			(66	)%	(62	)%
Provision for Benefits and Claims	169			160			161			134			60			(55	)%	(64	)%
Provision for unfunded lending commitments	(5		)	2			(19		)	(1		)	(2		)	(100	)%	60	%
Total provisions for credit losses and for benefits and claims	461			311			243			467			170			(64	)%	(63	)%
Total operating expenses	1,385			1,362			1,374			1,450			828			(43	)%	(40	)%
Income (Loss) from Continuing Operations before Income Taxes	299			296			64			1,248			477			(62	)%	60	%
Provision (benefits) for income taxes	149			140			65			568			130			(77	)%	(13	)%
Income (Loss) from Continuing Operations	150			156			(1		)	680			347			(49	)%	NM
Noncontrolling Interests	1			—			—			10			1			(90	)%	—
Citi Holding’s Net Income (Loss)	$	149		$	156		$	(1	)	$	670		$	346		(48	)%	NM
Average Assets (in billions of dollars)	$	134		$	126		$	120		$	97		$	78		(20	)%	(42	)%
Return on Average Assets	0.45		%	0.50		%	0.00		%	2.74		%	1.78		%
Efficiency Ratio	65		%	69		%	82		%	46		%	56		%
Balance Sheet Data (in billions):
Total EOP Assets	$	130		$	124		$	117		$	81		$	73		(10	)%	(44	)%
Total EOP Loans	$	67		$	64		$	60		$	49		$	45		(7	)%	(32	)%
Total EOP Deposits	$	16		$	12		$	11		$	10		$	9		(11	)%	(42	)%
Consumer Net Credit Losses as a % of Average Loans	2.35		%	1.90		%	1.67		%	1.81		%	1.25		%

(1)As a result of Citigroup’s entry into an agreement in March 2015 to sell OneMain Financial (OneMain), OneMain was classified as held-for-sale (HFS) at the end of the first quarter 2015.  As a result of HFS accounting treatment, approximately $160 million, $116 million and $74 million of cost of credit was recorded as a reduction in revenue (Other revenue) during the second, third and fourth quarters of 2015, respectively.  The OneMain sale was completed on November 15, 2015.

(2)The fourth quarter of 2015 includes a build of $162 million related to the transfer of approximately $8 billion of mortgage loans to Loans Held-for-sale at the end of the quarter.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 19

CITI HOLDINGS CONSUMER KEY INDICATORS - Page 1 (In millions of dollars, except as otherwise noted)

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
CITI HOLDINGS KEY INDICATORS:
Consumer - International (1) (2)
Branches (actual)	318			301			304			293			246			(16	)%	(23	)%
Average Loans (in billions)	$	12.9		$	9.9		$	8.8		$	8.3		$	6.7		(19	)%	(48	)%
EOP Loans:
Real Estate Lending	$	0.7		$	1.1		$	1.0		$	0.6		$	0.5		(17	)%	(29	)%
Cards	4.3			4.1			3.8			3.6			2.8			(22	)%	(35	)%
Commercial Markets	2.6			2.4			2.1			2.0			1.0			(50	)%	(62	)%
Personal and Other	2.6			1.8			1.8			2.0			2.1			5	%	(19	)%
EOP Loans (in billions of dollars)	$	10.2		$	9.4		$	8.7		$	8.2		$	6.4		(22	)%	(37	)%
Net Interest Revenue	$	434		$	415		$	389		$	336		$	269		(20	)%	(38	)%
As a % of Average Loans	13.64		%	16.21		%	17.54		%	16.06		%	16.15		%
Net Credit Losses	$	112		$	116		$	93		$	122		$	78		(36	)%	(30	)%
As a % of Average Loans	3.52		%	4.70		%	4.19		%	5.83		%	4.68		%
Loans 90+ Days Past Due	$	194		$	185		$	174		$	157		$	145		(8	)%	(25	)%
As a % of EOP Loans	1.90		%	1.97		%	2.00		%	1.91		%	2.27		%
Loans 30-89 Days Past Due	$	234		$	213		$	193		$	179		$	161		(10	)%	(31	)%
As a % of EOP Loans	2.29		%	2.27		%	2.22		%	2.18		%	2.52		%
Consumer - North America (3)
Branches (actual)	278			273			272			272			266			(2	)%	(4	)%
Average Loans (in billions of dollars)	$	68.9		$	55.5		$	52.7		$	49.4		$	39.4		(20	)%	(43	)%
EOP Loans (in billions of dollars)	$	56.6		$	54.2		$	50.7		$	40.5		$	38.6		(5	)%	(32	)%
Net Interest Revenue	$	823		$	775		$	766		$	522		$	335		(36	)%	(59	)%
As a % of Average Loans	4.84		%	1.99		%	2.00		%	1.90		%	3.42		%
Net Credit Losses	$	363		$	193		$	166		$	141		$	65		(54	)%	(82	)%
As a % of Average Loans	2.14		%	1.39		%	1.25		%	1.13		%	0.66		%
Loans 90+ Days Past Due (4)	$	1,607		$	1,462		$	1,354		$	770		$	751		(2	)%	(53	)%
As a % of EOP Loans	2.97		%	2.84		%	2.81		%	2.01		%	2.05		%
Loans 30-89 Days Past Due (4)	$	1,197		$	1,153		$	1,230		$	857		$	768		(10	)%	(36	)%
As a % of EOP Loans	2.21		%	2.24		%	2.56		%	2.24		%	2.09		%

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

(2)The first and second quarters of 2015 reflect the transfers of loans and branches to held-for-sale (HFS) as a result of the agreement in December 2014 to sell the Japan retail banking business (Japan Retail).   The first and second quarter of 2015 reflect the transfers of loans to HFS as a result of the agreement in March 2015 to sell the Japan cards business (Japan Cards). The second, third and fourth quarters of 2015 reflect the HFS reclassification of interest revenue on loans to other interest earning assets. The Japan Cards sale was completed on December 14, 2015. The Japan Retail and Japan Cards sales were completed during the fourth quarter of 2015.

(3)The first, second and third quarters of 2015 reflect the transfers of loans and branches to HFS resulting from the agreement to sell OneMain. As a result of HFS accounting treatment, approximately $160 million, $131 million and $73 million of net credit losses (NCLs) were recorded as a reduction of revenue (Other revenue) during the second, third and fourth quarters of 2015, respectively. The second, third and fourth quarters of 2015 reflect the HFS reclassification of interest revenue on loans to other interest earning assets.

(4)See footnote 2 on page 21.

Reclassified to conform to the current period’s presentation.

Page 20

CITI HOLDINGS CONSUMER KEY INDICATORS - Page 2 (In millions of dollars, except as otherwise noted)

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
CITI HOLDINGS KEY INDICATORS:
North America Mortgages
CMI (CitiMortgage)	$	25.9		$	22.4		$	21.4		$	20.1		$	17.9		(11	)%	(31	)%
CFNA (CitiFinancial - North America)	7.3			6.8			6.4			5.6			0.2			(96	)%	(97	)%
Residential First	33.2			29.2			27.8			25.7			18.1			(30	)%	(45	)%
Home Equity	24.4			23.3			22.0			21.0			18.6			(11	)%	(24	)%
Average Loans (in billions of dollars)	$	57.6		$	52.5		$	49.8		$	46.7		$	36.7		(21	)%	(36	)%
CMI	$	22.8		$	22.1		$	20.6		$	18.5		$	17.4		(6	)%	(24	)%
CFNA	7.0			6.5			5.8			0.2			0.2			—		(97	)%
Residential First	29.8			28.6			26.4			18.7			17.6			(6	)%	(41	)%
Home Equity	23.8			22.7			21.5			19.1			18.3			(4	)%	(23	)%
EOP Loans (in billions of dollars) (1)	$	53.6		$	51.3		$	47.9		$	37.8		$	35.9		(5	)%	(33	)%
Third Party Mortgage Serv. Portfolio (EOP, in billions)	$	43.4		$	39.2		$	36.4		$	34.0		$	29.3		(14	)%	(32	)%
Net Servicing & Gain/(Loss) on Sale	$	96.2		$	61.3		$	49.6		$	5.0		$	118.4		NM		23	%
Net Interest Revenue on Loans	$	339		$	290		$	274		$	239		$	117		(51	)%	(65	)%
As a % of Avg. Loans	2.39		%	2.22		%	2.18		%	2.03		%	1.28		%
CMI	$	22		$	21		$	9		$	9		$	—		(100	)%	(100	)%
CFNA	81			80			75			56			1			(98	)%	(99	)%
Residential First	$	103		$	101		$	84		$	65		$	1		(98	)%	(99	)%
Home Equity	81			70			61			56			42			(25	)%	(48	)%
Net Credit Losses (NCLs)	$	184		$	171		$	145		$	121		$	43		(64	)%	(77	)%
As a % of Avg. Loans	1.30		%	1.31		%	1.16		%	1.03		%	0.47		%
CMI	$	589		$	510		$	489		$	319		$	310		(3	)%	(47	)%
CFNA	500			463			392			4			4			—		(99	)%
Residential First	1,089			973			881			323			314			(3	)%	(71	)%
Home Equity	484			458			441			417			409			(2	)%	(15	)%
Loans 90+ Days Past Due (1) (2) (3)	$	1,573		$	1,431		$	1,322		$	740		$	723		(2	)%	(54	)%
As a % of EOP Loans	3.08		%	2.94		%	2.92		%	2.08		%	2.13		%
CMI	$	654		$	609		$	666		$	537		$	451		(16	)%	(31	)%
CFNA	225			221			205			2			3			50	%	(99	)%
Residential First	879			830			871			539			454			(16	)%	(48	)%
Home Equity	269			275			311			271			274			1	%	2	%
Loans 30-89 Days Past Due (1) (2) (3)	$	1,148		$	1,105		$	1,182		$	810		$	728		(10	)%	(37	)%
As a % of EOP Loans	2.25		%	2.27		%	2.61		%	2.28		%	2.14		%
North America Personal Loans (4)
Average Loans (in billions of dollars)	$	9.1		$	0.8		$	0.8		$	0.8		$	0.9		13	%	(90	)%
EOP Loans (in billions of dollars)	$	0.8		$	0.9		$	0.9		$	0.9		$	0.9		—		13	%
Net Interest Revenue	$	500		$	507		$	505		$	279		$	200		(28	)%	(60	)%
As a % of Avg. Loans	22.28		%	N/A			N/A			N/A			N/A
Net Credit Losses	$	174		$	17		$	15		$	14		$	18		29	%	(90	)%
As a % of Avg. Loans	7.75		%	8.52		%	7.44		%	6.94		%	8.04		%
Loans 90+ Days Past Due	$	21		$	20		$	19		$	18		$	19		6	%	(10	)%
As a % of EOP Loans	2.63		%	2.22		%	2.11		%	2.00		%	2.11		%
Loans 30-89 Days Past Due	$	16		$	17		$	15		$	14		$	15		7	%	(6	)%
As a % of EOP Loans	2.00		%	1.89		%	1.67		%	1.56		%	1.67		%

(1)The fourth quarter of 2015 reflects the transfer of approximately $8 billion of mortgage loans to Loans, held-for-sale (HFS) (included within Other assets). Delinquencies and related ratios are not included for Loans HFS.

(2)The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude 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 were $1.8 billion and ($2.5 billion), $1.7 billion and ($2.7 billion), $1.7 billion and ($2.6 billion), $1.5 billion and ($2.2 billion), and $1.3 billion and ($1.9 billion), as of March 31, 2015, June 30, 2015, September 30, 2015, December 31, 2015 and March 31, 2016, respectively.

The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) for each period were $0.2 billion and ($2.5 billion), $0.3 billion and ($2.7 billion), $0.3 billion and ($2.6 billion), $0.2 billion and ($2.2 billion), and $0.2 billion and ($1.9 billion), as of March 31, 2015, June 30, 2015, September 30, 2015, December 31, 2015 and March 31, 2016, respectively.

(3)The March 31, 2015, June 30, 2015, September 30, 2015, December 31, 2015 and March 31, 2016 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude $12 million, $12 million, $12 million, $11 million and $9 million, respectively, of loans that are carried at fair value.

(4)See footnote 3 on page 20.

NMNot meaningful.

N/ANot applicable for the second, third and fourth quarters of 2015 as a result of the loans related to the announced sale of OneMain being reclassified from loans to assets held-for-sale (Other assets).

Reclassified to conform to the current period’s presentation.

Page 21

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

	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, except as otherwise noted	2015		2015		2016		2015		2015		2016		2015		2015		2016
Assets:
Deposits with Banks	$	139,173	$	121,995	$	117,765	$	183	$	189	$	219	0.53	%	0.61	%	0.75	%
Fed Funds Sold and Resale Agreements (6)	241,179		226,413		228,615		642		554		647		1.08	%	0.97	%	1.14	%
Trading Account Assets (7)	228,259		203,915		204,100		1,434		1,465		1,471		2.55	%	2.85	%	2.90	%
Investments	336,339		343,999		352,143		1,792		1,900		1,923		2.16	%	2.19	%	2.20	%
Total Loans (net of Unearned Income) (8)	634,865		624,947		612,240		10,563		9,975		9,774		6.75	%	6.33	%	6.42	%
Other Interest-Earning Assets	45,501		51,623		47,765		110		408		253		0.98	%	3.14	%	2.13	%
Total Average Interest-Earning Assets	$	1,625,316	$	1,572,892	$	1,562,628	$	14,724	$	14,491	$	14,287	3.67	%	3.66	%	3.68	%
Liabilities:
Deposits (excluding deposit insurance and FDIC Assessment)	$	698,396	$	696,444	$	701,703	$	1,030	$	954	$	969	0.60	%	0.54	%	0.56	%
Deposit Insurance and FDIC Assessment	—		—		—		296		269		235
Total Deposits	698,396		696,444		701,703		1,326		1,223		1,204		0.77	%	0.70	%	0.69	%
Fed Funds Purchased and Repurchase Agreements (6)	177,114		163,290		162,915		376		416		502		0.86	%	1.01	%	1.24	%
Trading Account Liabilities (7)	73,199		63,202		65,312		47		58		88		0.26	%	0.36	%	0.54	%
Short-Term Borrowings	129,138		89,979		79,464		119		86		101		0.37	%	0.38	%	0.51	%
Long-Term Debt (9)	198,562		185,947		179,283		1,160		1,117		1,046		2.37	%	2.38	%	2.35	%
Total Average Interest-Bearing Liabilities	$	1,276,409	$	1,198,862	$	1,188,677	$	3,028	$	2,900	$	2,941	0.96	%	0.96	%	1.00	%
Total Average Interest-Bearing Liabilities (excluding deposit insurance and FDIC Assessment)	$	1,276,409	$	1,198,862	$	1,188,677	$	2,732	$	2,631	$	2,706	0.87	%	0.87	%	0.92	%
Net Interest Revenue as a % of Average Interest-Earning Assets (NIM)							$	11,696	$	11,591	$	11,346	2.92	%	2.92	%	2.92	%
NIR as a % of Average Interest-Earning Assets (NIM) (excluding deposit insurance and FDIC Assessment)							$	11,992	$	11,860	$	11,581	2.99	%	2.99	%	2.98	%
1Q16 Increase (Decrease) From													—	bps	—	bps
1Q16 Increase (Decrease) (excluding deposit insurance and FDIC Assessment) From													(1	)bps	(1	)bps

(1)Interest Revenue includes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $124 million for the first quarter of 2015, $126 million for the fourth quarter of 2015 and $119 million for the first quarter of 2016.

(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 with changes recorded in Principal Transactions.

Reclassified to conform to the current period’s presentation.

Page 22

DEPOSITS
(In billions of dollars)

													1Q16 Increase/
	1Q			2Q			3Q		4Q		1Q		(Decrease) from
	2015			2015			2015		2015		2016		4Q15		1Q15
Citicorp Deposits by Business
Global Consumer Banking
North America	$	181.6		$	182.5		$	180.0	$	181.6	$	183.7	1	%	1	%
Latin America	29.0			29.1			26.2		28.7		28.3		(1	)%	(2	)%
Asia (1)	89.5			89.4			87.0		87.6		90.7		4	%	1	%
Total	$	300.1		$	301.0		$	293.2	$	297.9	$	302.7	2	%	1	%
ICG
North America	$	195.2		$	197.5		$	200.0	$	198.5	$	198.7	—		2	%
EMEA	166.0			177.2			173.3		170.6		181.3		6	%	9	%
Latin America	62.6			63.9			62.6		64.3		68.1		6	%	9	%
Asia	147.5			149.7			159.2		154.3		159.0		3	%	8	%
Total	$	571.3		$	588.3		$	595.1	$	587.7	$	607.1	3	%	6	%
Corporate/Other	$	12.3		$	7.0		$	5.3	$	12.0	$	15.6	30	%	27	%
Total Citicorp	$	883.7		$	896.3		$	893.6	$	897.6	$	925.4	3	%	5	%
Total Citi Holdings	$	15.9		$	11.7		$	10.6	$	10.3	$	9.2	(11	)%	(42	)%
Total Citigroup Deposits - EOP	$	899.6		$	908.0		$	904.2	$	907.9	$	934.6	3	%	4	%
Total Citigroup Deposits - Average	$	899.5		$	906.4		$	903.1	$	908.8	$	911.7	—		1	%
Foreign Currency (FX) Translation Impact:
Total Citigroup EOP Deposits - as Reported	$	899.6		$	908.0		$	904.2	$	907.9	$	934.6	3	%	4	%
Impact of FX Translation (2)	(8.8		)	(11.6		)	2.2		5.8		—
Total Citigroup EOP Deposits - Ex-FX (2)	$	890.8		$	896.4		$	906.4	$	913.7	$	934.6	2	%	5	%

(1)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

(2)Reflects the impact of FX translation into U.S. Dollars at the first quarter of 2016 exchange rates for all periods presented.

Citigroup’s results of operations excluding the impact of FX translation are non-GAAP financial measures.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 23

EOP LOANS (1) - Page 1
CITICORP
(In billions of dollars)

													1Q16 Increase/
	1Q			2Q			3Q		4Q		1Q		(Decrease) from
	2015			2015			2015		2015		2016		4Q15		1Q15
Citicorp:
Global Consumer Banking
North America
Credit Cards	$	105.9		$	107.7		$	107.9	$	113.3	$	107.4	(5	)%	1	%
Retail Banking	48.1			49.2			51.0		52.2		53.5		2	%	11	%
Total	$	154.0		$	156.9		$	158.9	$	165.5	$	160.9	(3	)%	4	%
Latin America
Credit Cards	$	6.1		$	5.9		$	5.4	$	5.4	$	5.3	(2	)%	(13	)%
Retail Banking	21.1			21.1			19.8		20.1		20.1		—		(5	)%
Total	$	27.2		$	27.0		$	25.2	$	25.5	$	25.4	—		(7	)%
Asia (1)
Credit Cards	$	17.8		$	18.1		$	17.0	$	17.6	$	17.6	—		(1	)%
Retail Banking	71.8			72.4			68.6		68.4		68.7		—		(4	)%
Total	$	89.6		$	90.5		$	85.6	$	86.0	$	86.3	—		(4	)%
Total Consumer Loans
Credit Cards	$	129.8		$	131.7		$	130.3	$	136.3	$	130.3	(4	)%	—
Retail Banking	141.0			142.7			139.4		140.7		142.3		1	%	1	%
Total Consumer	$	270.8		$	274.4		$	269.7	$	277.0	$	272.6	(2	)%	1	%
Total Corporate Loans
North America	$	118.3		$	125.9		$	127.8	$	126.8	$	131.9	4	%	11	%
EMEA	61.4			63.8			63.0		60.4		64.7		7	%	5	%
Latin America	40.6			41.1			41.4		43.6		42.5		(3	)%	5	%
Asia	62.8			62.8			60.8		60.8		61.7		1	%	(2	)%
Total Corporate Loans	$	283.1		$	293.6		$	293.0	$	291.6	$	300.8	3	%	6	%
Total Citicorp	$	553.9		$	568.0		$	562.7	$	568.6	$	573.4	1	%	4	%
Foreign Currency (FX) Translation Impact:
Total Citicorp EOP Loans - as Reported	$	553.9		$	568.0		$	562.7	$	568.6	$	573.4	1	%	4	%
Impact of FX Translation (2)	(7.2		)	(7.4		)	1.8		3.2		—
Total Citicorp EOP Loans - Ex-FX (2)	$	546.7		$	560.6		$	564.5	$	571.8	$	573.4	—		5	%

Note:  Certain small balance consumer loans included in the above lines are classified as Corporate Loans on the Consolidated Balance Sheet.

(1)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

(2)Reflects the impact of FX translation into U.S. Dollars at the first quarter of 2016 exchange rates for all periods presented.

Citigroup’s results of operations excluding the impact of FX translation are non-GAAP financial measures.

Reclassified to conform to the current period’s presentation.

Page 24

EOP LOANS - Page 2
CITI HOLDINGS AND TOTAL CITIGROUP
(In billions of dollars)

													1Q16 Increase/
	1Q			2Q			3Q		4Q		1Q		(Decrease) from
	2015			2015			2015		2015		2016		4Q15		1Q15
Citi Holdings:
Consumer - North America
Mortgages (1)	53.6			51.3			47.9		37.8		35.9		(5	)%	(33	)%
Personal Loans	0.8			0.9			0.9		0.9		0.9		—		13	%
Other	2.2			2.0			1.9		1.8		1.8		—		(18	)%
Total	$	56.6		$	54.2		$	50.7	$	40.5	$	38.6	(5	)%	(32	)%
Consumer - International
Credit Cards	$	4.3		$	4.1		$	3.8	$	3.6	$	2.8	(22	)%	(35	)%
REL, Personal & Other	5.9			5.3			4.9		4.6		3.6		(22	)%	(39	)%
Total	$	10.2		$	9.4		$	8.7	$	8.2	$	6.4	(22	)%	(37	)%
Citi Holdings - Other	0.4			0.5			0.3		0.3		0.4		33	%	—
Total Citi Holdings	$	67.2		$	64.1		$	59.7	$	49.0	$	45.4	(7	)%	(32	)%
Total Citigroup	$	621.1		$	632.1		$	622.4	$	617.6	$	618.8	—		—
Consumer Loans	$	337.7		$	338.2		$	329.2	$	325.8	$	317.9	(2	)%	(6	)%
Corporate Loans	283.3			293.9			293.2		291.8		300.9		3	%	6	%
Total Citigroup	$	621.1		$	632.1		$	622.4	$	617.6	$	618.8	—		—
Foreign Currency (FX) Translation Impact:
Total Citigroup EOP Loans - as Reported	$	621.1		$	632.1		$	622.4	$	617.6	$	618.8	—		—
Impact of FX Translation (2)	(7.9		)	(8.2		)	2.0		3.6		—
Total Citigroup EOP Loans - Ex-FX (2)	$	613.2		$	623.9		$	624.4	$	621.2	$	618.8	—		1	%

Note:  Certain small balance consumer loans included in the above lines are classified as Corporate Loans on the Consolidated Balance Sheet.

(1)See footnote 1 on page 21.

(2)Reflects the impact of FX translation into U.S. Dollars at the first quarter of 2016 exchange rates for all periods presented.

Citigroup’s results of operations excluding the impact of FX translation are non-GAAP financial measures.

Reclassified to conform to the current period’s presentation.

Page 25

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

	Loans 90+ Days Past Due (1)															EOP Loans
	1Q			2Q			3Q			4Q			1Q			1Q
	2015			2015			2015			2015			2016			2016
Citicorp (2)
Total	$	2,132		$	2,020		$	1,981		$	2,119		$	2,022		$	272.6
Ratio	0.79		%	0.74		%	0.74		%	0.77		%	0.74		%
Retail Bank (2)
Total	$	540		$	567		$	529		$	523		$	498		$	142.3
Ratio	0.39		%	0.40		%	0.38		%	0.37		%	0.35		%
North America (2)	$	123		$	150		$	138		$	165		$	152		$	53.5
Ratio	0.26		%	0.31		%	0.28		%	0.32		%	0.29		%
Latin America	$	238		$	232		$	212		$	185		$	172		$	20.1
Ratio	1.13		%	1.10		%	1.07		%	0.92		%	0.86		%
Asia (3)	$	179		$	185		$	179		$	173		$	174		$	68.7
Ratio	0.25		%	0.26		%	0.26		%	0.25		%	0.25		%
Cards
Total	$	1,592		$	1,453		$	1,452		$	1,596		$	1,524		$	130.3
Ratio	1.23		%	1.10		%	1.11		%	1.17		%	1.17		%
North America - Citi-Branded	$	569		$	495		$	491		$	538		$	530		$	64.9
Ratio	0.90		%	0.77		%	0.76		%	0.80		%	0.82		%
North America - Retail Services	$	629		$	567		$	621		$	705		$	665		$	42.5
Ratio	1.48		%	1.31		%	1.44		%	1.53		%	1.56		%
Latin America	$	203		$	200		$	169		$	173		$	149		$	5.3
Ratio	3.33		%	3.39		%	3.13		%	3.20		%	2.81		%
Asia (3)	$	191		$	191		$	171		$	180		$	180		$	17.6
Ratio	1.07		%	1.06		%	1.01		%	1.02		%	1.02		%
Citi Holdings - Consumer (2) (4) (5)	$	1,801		$	1,647		$	1,528		$	927		$	896		$	45.0
Ratio	2.80		%	2.70		%	2.69		%	1.99		%	2.08		%
International	$	194		$	185		$	174		$	157		$	145		$	6.4
Ratio	1.90		%	1.97		%	2.00		%	1.91		%	2.27		%
North America (2) (4) (5)	$	1,607		$	1,462		$	1,354		$	770		$	751		$	38.6
Ratio	2.97		%	2.84		%	2.81		%	2.01		%	2.05		%
Other (6)																$	0.3
Total Citigroup (2) (4) (5)	$	3,933		$	3,667		$	3,509		$	3,046		$	2,918		$	317.9
Ratio	1.18		%	1.10		%	1.08		%	0.94		%	0.93		%

(1)	The ratio of 90+ Days Past Due is calculated based on end-of-period loans, net of unearned income.
(2)	The 90+ Days Past Due and related ratios for North America Consumer Banking and Citi Holdings North America Mortgages 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 footnote 2 on page 10 and footnote 2 on page 21.
(3)	For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.
(4)	The March 31, 2015, June 30, 2015, September 30, 2015, December 31, 2015 and March 31, 2016 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude $12 million, $12 million, $12 million, $11 million and $9 million, respectively, of loans that are carried at fair value.
(5)	See footnote 1 on page 21.
(6)	Represents loans classified as Consumer loans on the Consolidated Balance Sheet that are not included in the Citi Holdings Consumer credit metrics.

Reclassified to conform to the current period’s presentation.

Page 26

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

	Loans 30-89 Days Past Due (1)															EOP Loans
	1Q			2Q			3Q			4Q			1Q			1Q
	2015			2015			2015			2015			2016			2016
Citicorp (2)
Total	$	2,414		$	2,290		$	2,427		$	2,418		$	2,360		$	272.6
Ratio	0.90		%	0.84		%	0.90		%	0.88		%	0.87		%
Retail Bank (2)
Total	$	791		$	746		$	764		$	739		$	793		$	142.3
Ratio	0.57		%	0.53		%	0.55		%	0.53		%	0.56		%
North America (2)	$	203		$	176		$	198		$	221		$	198		$	53.5
Ratio	0.43		%	0.36		%	0.40		%	0.43		%	0.38		%
Latin America	$	229		$	217		$	239		$	184		$	256		$	20.1
Ratio	1.09		%	1.03		%	1.21		%	0.92		%	1.27		%
Asia (3)	$	359		$	353		$	327		$	334		$	339		$	68.7
Ratio	0.50		%	0.49		%	0.48		%	0.49		%	0.49		%
Cards
Total	$	1,623		$	1,544		$	1,663		$	1,679		$	1,567		$	130.3
Ratio	1.25		%	1.17		%	1.28		%	1.23		%	1.20		%
North America - Citi-Branded	$	497		$	462		$	504		$	523		$	492		$	64.9
Ratio	0.78		%	0.72		%	0.78		%	0.78		%	0.76		%
North America - Retail Services	$	673		$	652		$	758		$	773		$	688		$	42.5
Ratio	1.59		%	1.51		%	1.76		%	1.68		%	1.62		%
Latin America	$	204		$	183		$	181		$	157		$	152		$	5.3
Ratio	3.34		%	3.10		%	3.35		%	2.91		%	2.87		%
Asia (3)	$	249		$	247		$	220		$	226		$	235		$	17.6
Ratio	1.40		%	1.36		%	1.29		%	1.28		%	1.34		%
Citi Holdings - Consumer (2) (4) (5)	$	1,431		$	1,366		$	1,423		$	1,036		$	929		$	45.0
Ratio	2.23		%	2.24		%	2.51		%	2.23		%	2.16		%
International	$	234		$	213		$	193		$	179		$	161		$	6.4
Ratio	2.29		%	2.27		%	2.22		%	2.18		%	2.52		%
North America (2) (4) (5)	$	1,197		$	1,153		$	1,230		$	857		$	768		$	38.6
Ratio	2.21		%	2.24		%	2.56		%	2.24		%	2.09		%
Other (6)																$	0.3
Total Citigroup (2) (4) (5)	$	3,845		$	3,656		$	3,850		$	3,454		$	3,289		$	317.9
Ratio	1.15		%	1.09		%	1.18		%	1.07		%	1.05		%

(1)	The ratio of 30-89 Days Past Due is calculated based on end-of-period loans, net of unearned income.
(2)	The 30-89 Days Past Due and related ratios for North America Consumer Banking and North America Local Consumer Lending 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 footnote 2 on page 10 and footnote 2 on page 21.
(3)	For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.
(4)	The March 31, 2015, June 30, 2015, September 30, 2015, December 31, 2015 and March 31, 2016 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios exclude $12 million, $12 million, $12 million, $11 million and $9 million, respectively, of loans that are carried at fair value.
(5)	See footnote 1 on page 21.
(6)	Represents loans classified as Consumer loans on the Consolidated Balance Sheet that are not included in the Citi Holdings Consumer credit metrics.

Reclassified to conform to the current period’s presentation.

Page 27

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

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Total Citigroup
Allowance for Loan Losses at Beginning of Period (1)	$	15,994		$	14,598		$	14,075		$	13,626		$	12,626
Gross Credit (Losses)	(2,458		)	(2,335		)	(2,068		)	(2,180		)	(2,143		)	2	%	13	%
Gross Recoveries	501			415			405			418			419			—		(16	)%
Net Credit (Losses) / Recoveries (NCLs)	(1,957		)	(1,920		)	(1,663		)	(1,762		)	(1,724		)	2	%	12	%
NCLs	1,957			1,920			1,663			1,762			1,724			(2	)%	(12	)%
Net Reserve Builds / (Releases)	(91		)	(199		)	43			386			42			(89	)%	NM
Net Specific Reserve Builds / (Releases) (2)	(111		)	(206		)	(124		)	108			120			11	%	NM
Provision for Loan Losses	1,755			1,515			1,582			2,256			1,886			(16	)%	7	%
Other (3) (4) (5) (6) (7) (8) (9)	(1,194		)	(118		)	(368		)	(1,494		)	(76		)	95	%	94	%
Allowance for Loan Losses at End of Period (1) (a)	$	14,598		$	14,075		$	13,626		$	12,626		$	12,712
Allowance for Unfunded Lending Commitments (8) (10) (a)	$	1,023		$	973		$	1,036		$	1,402		$	1,473
Provision for Unfunded Lending Commitments (8)	$	(37	)	$	(48	)	$	65		$	94		$	71
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	15,621		$	15,048		$	14,662		$	14,028		$	14,185
Total Allowance for Loan Losses as a Percentage of Total Loans (11)	2.38		%	2.25		%	2.21		%	2.06		%	2.07		%
Allowance for Loan Losses at End of Period (1):
Citicorp	$	10,662		$	10,368		$	10,213		$	10,331		$	10,544
Citi Holdings	3,936			3,707			3,413			2,295			2,168
Total Citigroup	$	14,598		$	14,075		$	13,626		$	12,626		$	12,712

(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)The fourth quarter of 2015 includes a build of $162 million related to the transfer of approximately $8 billion of mortgage loans to Loans Held-for-sale at the end of the quarter.

(3)Includes all adjustments to the allowance for credit losses, such as changes in the allowance from acquisitions, dispositions, securitizations, foreign currency translation (FX translation), purchase accounting adjustments, etc.

(4)The first quarter of 2015 includes a reduction of approximately $1.0 billion related to the sale or transfers to HFS of various loan portfolios, including a reduction of $281 million related to a transfer of a real estate loan portfolio to HFS.  Additionally, the first quarter includes a reduction of approximately $145 million related to FX translation.

(5)The second quarter of 2015 includes a reduction of approximately $88 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $34 million related to a transfer of a real estate loan portfolio to HFS.  Additionally, the second quarter includes a reduction of approximately $39 million related to FX translation.

(6)The third quarter of 2015 includes a reduction of approximately $110 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $14 million related to a transfer of a real estate loan portfolio to HFS.  Additionally, the third quarter includes a reduction of approximately $255 million related to FX translation.

(7)The fourth quarter of 2015 includes a reduction of approximately $1.1 billion related to the sale or transfers to HFS of various loan portfolios, including a reduction of $1.1 billion related to the transfers of a real estate loan portfolio to HFS.  Additionally, the fourth quarter includes a reduction of approximately $35 million related to FX translation.

(8)The fourth quarter of 2015 includes a reclassification of $271 million of Allowance for Loan Losses to Allowance for Unfunded Lending Commitments, included in the Other line item.  This reclassification reflects the re-attribution of $271 million in Allowances for Credit Losses between the funded and unfunded portions of the corporate credit portfolios and does not reflect a change in the underlying credit performance of these portfolios.  The $94 million ($87 million corporate, $7 million consumer) Provision for unfunded lending commitments during the 2015 fourth quarter represents the allowance change during the quarter due to portfolio and economic changes in the unfunded portfolio during the quarter.

(9)The first quarter of 2016 includes a reduction of approximately $148 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $29 million related to the transfers of a real estate loan portfolio to HFS.  Additionally, the first quarter includes an increase of approximately $63 million related to FX translation.

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

(11)March 31, 2015, June 30, 2015, September 30, 2015, December 31, 2015 and March 31, 2016, exclude $6.6 billion, $6.5 billion, $5.5 billion, $5.0 billion and $5.7 billion, respectively, of loans which are carried at fair value.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 28

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

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Total Citigroup Consumer Loans
Allowance for Loan Losses at Beginning of Period (1)	$	13,547		$	12,052		$	11,669		$	11,030		$	9,835
Net Credit Losses (NCLs)	(1,964		)	(1,813		)	(1,613		)	(1,668		)	(1,513		)	9	%	23	%
NCLs	1,964			1,813			1,613			1,668			1,513			(9	)%	(23	)%
Net Reserve Builds / (Releases) (2)	(203		)	(167		)	(73		)	32			38			19	%	NM
Net Specific Reserve Builds / (Releases)	(114		)	(87		)	(202		)	(16		)	19			NM		NM
Provision for Loan Losses	1,647			1,559			1,338			1,684			1,570			(7	)%	(5	)%
Other (3) (4) (5) (6) (7) (8)	(1,178		)	(129		)	(364		)	(1,211		)	(85		)	93	%	93	%
Allowance for Loan Losses at End of Period (1) (a)	$	12,052		$	11,669		$	11,030		$	9,835		$	9,807
Consumer Allowance for Unfunded Lending Commitments (9) (a)	$	30		$	29		$	28		$	35		$	37
Provision for Unfunded Lending Commitments	$	(3	)	$	(1	)	$	(1	)	$	7		$	1
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (a)]	$	12,082		$	11,698		$	11,058		$	9,870		$	9,844
Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans (10)	3.57		%	3.45		%	3.35		%	3.02		%	3.09		%
Total Citigroup Corporate Loans
Allowance for Loan Losses at Beginning of Period (1)	$	2,447		$	2,546		$	2,406		$	2,596		$	2,791
Net Credit (Losses) / Recoveries (NCL’s)	7			(107		)	(50		)	(94		)	(211		)	NM		NM
NCLs	(7		)	107			50			94			211			NM		NM
Net Reserve Builds / (Releases)	112			(32		)	116			354			4			(99	)%	(96	)%
Net Specific Reserve Builds / (Releases)	3			(119		)	78			124			101			(19	)%	NM
Provision for Loan Losses	108			(44		)	244			572			316			(45	)%	NM
Other (3) (11)	(16		)	11			(4		)	(283		)	9
Allowance for Loan Losses at End of Period (1) (b)	$	2,546		$	2,406		$	2,596		$	2,791		$	2,905
Corporate Allowance for Unfunded Lending Commitments (9)(11)(b)	$	993		$	944		$	1,008		$	1,367		$	1,436
Provision for Unfunded Lending Commitments (11)	$	(34	)	$	(47	)	$	66		$	87		$	70
Total Allowance for Loans, Leases and Unfunded Lending Commitments [Sum of (b)]	$	3,539		$	3,350		$	3,604		$	4,158		$	4,341
Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans (12)	0.92		%	0.84		%	0.90		%	0.97		%	0.98		%

Footnotes to these tables are on the following page (page 30).

Page 29

ALLOWANCE FOR CREDIT LOSSES - PAGE 3 TOTAL CITIGROUP

The following footnotes relate to the tables on the prior page (page 29).

(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)The fourth quarter of 2015 includes a build of $162 million related to the transfer of approximately $8 billion of mortgage loans to Loans Held-for-sale at the end of the quarter.

(3)Includes all adjustments to the allowance for credit losses, such as changes in the allowance from acquisitions, dispositions, securitizations, foreign currency translation (FX translation), purchase accounting adjustments, etc.

(4)The first quarter of 2015 includes a reduction of approximately $1.0 billion related to the sale or transfers to HFS of various loan portfolios, including a reduction of $281 million related to a transfer of a real estate loan portfolio to HFS.  Additionally, the first quarter includes a reduction of approximately $145 million related to FX translation.

(5)The second quarter of 2015 includes a reduction of approximately $88 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $34 million related to a transfer of a real estate loan portfolio to HFS.  Additionally, the second quarter includes a reduction of approximately $39 million related to FX translation.

(6)The third quarter of 2015 includes a reduction of approximately $110 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $14 million related to a transfer of a real estate loan portfolio to HFS.  Additionally, the third quarter includes a reduction of approximately $255 million related to FX translation.

(7)The fourth quarter of 2015 includes a reduction of approximately $1.1 billion related to the sale or transfers to HFS of various loan portfolios, including a reduction of $1.1 billion related to the transfers of a real estate loan portfolio to HFS.  Additionally, the fourth quarter includes a reduction of approximately $35 million related to FX translation.

(8)The first quarter of 2016 includes a reduction of approximately $148 million related to the sale or transfers to HFS of various loan portfolios, including a reduction of $29 million related to the transfers of a real estate loan portfolio to HFS.  Additionally, the first quarter includes an increase of approximately $63 million related to FX translation.

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

(10)March 31, 2015, June 30, 2015, September 30, 2015, December 31, 2015 and March 31, 2016 exclude $38 million, $39 million, $37 million, $34 million and $33 million, respectively, of loans which are carried at fair value.

(11)The fourth quarter of 2015 includes a reclassification of $271 million of Allowance for Loan Losses to Allowance for Unfunded Lending Commitments, included in the Other line item.  This reclassification reflects the re-attribution of $271 million in Allowances for Credit Losses between the funded and unfunded portions of the corporate credit portfolios and does not reflect a change in the underlying credit performance of these portfolios.  The $94 million ($87 million corporate, $7 million consumer) Provision for unfunded lending commitments during the 2015 fourth quarter represents the allowance change during the quarter due to portfolio and economic changes in the unfunded portfolio during the quarter.

(12)March 31, 2015, June 30, 2015, September 30, 2015, December 31, 2015 and March 31, 2016 exclude $6.5 billion, $6.5 billion, $5.5 billion, $5.0 billion and $5.7 billion, respectively, of loans which are carried at fair value.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 30

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

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Citicorp
Net Credit Losses	$	1,488		$	1,586		$	1,391		$	1,501		$	1,581		5	%	6	%
Credit Reserve Build / (Release)	(30		)	(220		)	90			421			193			(54	)%	NM
Global Consumer Banking
Net Credit Losses	1,489			1,504			1,354			1,405			1,370			(2	)%	(8	)%
Credit Reserve Build / (Release)	(149		)	(97		)	(103		)	(44		)	85			NM		NM
North America
Net Credit Losses	960			999			878			914			932			2	%	(3	)%
Credit Reserve Build / (Release)	(99		)	(108		)	(61		)	(69		)	79			NM		NM
Retail Banking
Net Credit Losses	35			39			34			42			24			(43	)%	(31	)%
Credit Reserve Build / (Release)	19			(5		)	32			7			63			NM		NM
Citi-Branded Cards
Net Credit Losses	492			503			443			454			455			—		(8	)%
Credit Reserve Build / (Release)	(119		)	(74		)	(105		)	(85		)	(15		)	82	%	87	%
Citi Retail Services
Net Credit Losses	433			457			401			418			453			8	%	5	%
Credit Reserve Build / (Release)	1			(29		)	12			9			31			NM		NM
Latin America
Net Credit Losses	356			316			301			307			278			(9	)%	(22	)%
Credit Reserve Build / (Release)	(8		)	19			19			3			17			NM		NM
Retail Banking
Net Credit Losses	150			142			138			159			134			(16	)%	(11	)%
Credit Reserve Build / (Release)	—			17			13			12			16			33	%	NM
Citi-Branded Cards
Net Credit Losses	206			174			163			148			144			(3	)%	(30	)%
Credit Reserve Build / (Release)	(8		)	2			6			(9		)	1			NM		NM
Asia (1)
Net Credit Losses	173			189			175			184			160			(13	)%	(8	)%
Credit Reserve Build / (Release)	(42		)	(8		)	(61		)	22			(11		)	NM		74	%
Retail Banking
Net Credit Losses	70			80			75			94			62			(34	)%	(11	)%
Credit Reserve Build / (Release)	(21		)	(3		)	(34		)	26			3			(88	)%	NM
Citi-Branded Cards
Net Credit Losses	103			109			100			90			98			9	%	(5	)%
Credit Reserve Build / (Release)	(21		)	(5		)	(27		)	(4		)	(14		)	NM		33	%
Institutional Clients Group (ICG)
Net Credit Losses	(1		)	82			37			96			211			NM		NM
Credit Reserve Build / (Release)	119			(123		)	193			465			108			(77	)%	(9	)%
Corporate / Other
Net Credit Losses	—			—			—			—			—			—		—
Credit Reserve Build / (Release)	—			—			—			—			—			—		—
Total Citicorp Provision for Loan Losses	$	1,458		$	1,366		$	1,481		$	1,922		$	1,774		(8	)%	22	%

(1)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

NM  Not meaningful.

Reclassified to conform to the current period’s presentation.

Page 31

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

															1Q16 Increase/
	1Q			2Q			3Q			4Q		1Q			(Decrease) from
	2015			2015			2015			2015		2016			4Q15		1Q15
Citi Holdings
Net Credit Losses (1)	$	469		$	334		$	272		$	261	$	143		(45	)%	(70	)%
Credit Reserve Build / (Release)	(172		)	(185		)	(171		)	73		(31		)	NM		82	%
Total Citi Holdings Provision for Loan Losses	$	297		$	149		$	101		$	334	$	112		(66	)%	(62	)%
Total Citicorp Provision for Loan Losses (from prior page)	$	1,458		$	1,366		$	1,481		$	1,922	$	1,774		(8	)%	22	%
Total Citigroup Provision for Loan Losses	$	1,755		$	1,515		$	1,582		$	2,256	$	1,886		(16	)%	7	%

(1)See footnote 1 on page 19.

Reclassified to conform to the current period’s presentation.

Page 32

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

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	347		$	467		$	833		$	818		$	1,331		63	%	NM
EMEA	305			385			386			347			469			35	%	54	%
Latin America	379			226			230			303			410			35	%	8	%
Asia	151			145			129			128			117			(9	)%	(23	)%
Total	$	1,182		$	1,223		$	1,578		$	1,596		$	2,327		46	%	97	%
Consumer Non-Accrual Loans By Region (2) (3) (7)
North America	$	4,184		$	3,928		$	3,622		$	2,515		$	2,519		—		(40	)%
Latin America	1,084			1,032			935			874			817			(7	)%	(25	)%
Asia (4)	304			301			272			269			265			(1	)%	(13	)%
Total	$	5,572		$	5,261		$	4,829		$	3,658		$	3,601		(2	)%	(35	)%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
ICG	$	28		$	23		$	35		$	32		$	29		(9	)%	4	%
Global Consumer Banking	53			55			44			34			41			21	%	(23	)%
Citi Holdings	172			161			144			139			131			(6	)%	(24	)%
Corporate/Other	21			7			4			4			4			—		(81	)%
TOTAL OTHER REAL ESTATE OWNED (OREO) (5)	$	274		$	246		$	227		$	209		$	205		(2	)%	(25	)%
OREO By Region:
North America	$	220		$	190		$	177		$	166		$	159		(4	)%	(28	)%
EMEA	1			1			1			1			1			—		—
Latin America	48			50			44			38			35			(8	)%	(27	)%
Asia	5			5			5			4			10			NM		100	%
Total	$	274		$	246		$	227		$	209		$	205		(2	)%	(25	)%
Other Repossessed Assets	$	—		$	—		$	—		$	—		$	—		—		—
Non-Accrual Assets (NAA) (6)
Corporate Non-Accrual Loans	$	1,182		$	1,223		$	1,578		$	1,596		$	2,327		46	%	97	%
Consumer Non-Accrual Loans	5,572			5,261			4,829			3,658			3,601			(2	)%	(35	)%
Non-Accrual Loans (NAL)	6,754			6,484			6,407			5,254			5,928			13	%	(12	)%
OREO	274			246			227			209			205			(2	)%	(25	)%
Other Repossessed Assets	—			—			—			—			—			—		—
Non-Accrual Assets (NAA)	$	7,028		$	6,730		$	6,634		$	5,463		$	6,133		12	%	(13	)%
NAL as a % of Total Loans	1.09		%	1.03		%	1.03		%	0.85		%	0.96		%
NAA as a % of Total Assets	0.38		%	0.37		%	0.37		%	0.32		%	0.34		%
Allowance for Loan Losses as a % of NAL	216		%	217		%	213		%	240		%	214		%

(1)Corporate loans are placed on non-accrual status based upon a review by Citigroup’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)The first, second and third quarters of 2015 reflect the transfers of non accrual loans to HFS resulting from the agreements to sell OneMain, Japan Retail and Japan Cards.

(3)Excludes SOP 03-3 purchased distressed loans.

(4)For reporting purposes, Asia GCB includes the results of operations of EMEA GCB for all periods presented.

(5)Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral.  Also includes former premises and property for use that is no longer contemplated.

(6)There is no industry-wide definition of non-accrual assets.  As such, analysis against the industry is not always comparable.

(7)The fourth quarter of 2015 decline includes the impact related to the transfer of approximately $8 billion of mortgage loans to Loans, held-for-sale (HFS) (included within Other assets on the GAAP balance sheet).

Reclassified to conform to the current period’s presentation.

Page 33

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

	1Q			2Q			3Q			4Q			1Q			1Q16 Increase/ (Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	334		$	455		$	819		$	804		$	1,317		64	%	NM
EMEA	268			344			350			309			432			40	%	61	%
Latin America	378			225			229			302			409			35	%	8	%
Asia	149			144			127			128			117			(9	)%	(21	)%
Total	$	1,129		$	1,168		$	1,525		$	1,543		$	2,275		47	%	NM
Consumer Non-Accrual Loans By Region (2) (3)
North America	$	351		$	374		$	363		$	456		$	516		13	%	47	%
Latin America	925			873			790			740			673			(9	)%	(27	)%
Asia (4)	269			269			243			252			254			1	%	(6	)%
Total	$	1,545		$	1,516		$	1,396		$	1,448		$	1,443		—		(7	)%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
ICG	$	28		$	23		$	35		$	32		$	29		(9	)%	4	%
Global Consumer Banking	53			55			44			34			41			21	%	(23	)%
Corporate/Other	21			7			4			4			4			—		(81	)%
TOTAL OTHER REAL ESTATE OWNED (OREO) (5)	$	102		$	85		$	83		$	70		$	74		6	%	(27	)%
OREO By Region:
North America	$	54		$	35		$	38		$	31		$	31		—		(43	)%
EMEA	1			1			1			1			1			—		—
Latin America	42			44			39			34			32			(6	)%	(24	)%
Asia	5			5			5			4			10			NM		100	%
Total	$	102		$	85		$	83		$	70		$	74		6	%	(27	)%
Other Repossessed Assets	$	—		$	—		$	—		$	—		$	—
Non-Accrual Assets (NAA) (6)
Corporate Non-Accrual Loans	$	1,129		$	1,168		$	1,525		$	1,543		$	2,275		47	%	NM
Consumer Non-Accrual Loans	1,545			1,516			1,396			1,448			1,443			—		(7	)%
Non-Accrual Loans (NAL)	2,674			2,684			2,921			2,991			3,718			24	%	39	%
OREO	102			85			83			70			74			6	%	(27	)%
Other Repossessed Assets	—			—			—			—			—
Non-Accrual Assets (NAA)	$	2,776		$	2,769		$	3,004		$	3,061		$	3,792		24	%	37	%
NAA as a % of Total Assets	0.16		%	0.16		%	0.18		%	0.19		%	0.22		%
Allowance for Loan Losses as a % of NAL	399		%	386		%	350		%	345		%	284		%

See Notes (1) - (6) on page 33.

Reclassified to conform to the current period’s presentation.

Page 34

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

																1Q16 Increase/
	1Q			2Q			3Q			4Q			1Q			(Decrease) from
	2015			2015			2015			2015			2016			4Q15		1Q15
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America	$	13		$	12		$	14		$	14		$	14		—		8	%
EMEA	37			41			36			38			37			(3	)%	—
Latin America	1			1			1			1			1			—		—
Asia	2			1			2			—			—			—		(100	)%
Total	$	53		$	55		$	53		$	53		$	52		(2	)%	(2	)%
Consumer Non-Accrual Loans By Region (2) (3) (7)
North America	$	3,833		$	3,554		$	3,259		$	2,059		$	2,003		(3	)%	(48	)%
Latin America	159			159			145			134			144			7	%	(9	)%
Asia (4)	35			32			29			17			11			(35	)%	(69	)%
Total	$	4,027		$	3,745		$	3,433		$	2,210		$	2,158		(2	)%	(46	)%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS
OREO By Region (5):
North America	$	166		$	155		$	139		$	135		$	128		(5	)%	(23	)%
EMEA	—			—			—			—			—			—		—
Latin America	6			6			5			4			3			(25	)%	(50	)%
Asia	—			—			—			—			—			—		—
Total	$	172		$	161		$	144		$	139		$	131		(6	)%	(24	)%
Other Repossessed Assets	$	—		$	—		$	—		$	—		$	—
Non-Accrual Assets (NAA) (6)
Corporate Non-Accrual Loans	$	53		$	55		$	53		$	53		$	52		(2	)%	(2	)%
Consumer Non-Accrual Loans	4,027			3,745			3,433			2,210			2,158			(2	)%	(46	)%
Non-Accrual Loans (NAL)	4,080			3,800			3,486			2,263			2,210			(2	)%	(46	)%
OREO	172			161			144			139			131			(6	)%	(24	)%
Other Repossessed Assets	—			—			—			—			—
Non-Accrual Assets (NAA)	$	4,252		$	3,961		$	3,630		$	2,402		$	2,341		(3	)%	(45	)%
NAA as a % of Total Assets	3.27		%	3.19		%	3.10		%	2.97		%	3.21		%
Allowance for Loan Losses as a % of NAL	96		%	98		%	98		%	101		%	98		%

See Notes (1) - (7) on page 33.

Reclassified to conform to the current period’s presentation.

Page 35

CITIGROUP RECONCILIATION OF NON-GAAP FINANCIAL MEASURES (In millions of dollars, except per share amounts and ratios)

	March 31,			June 30,			September 30,			December 31,			March 31,
	2015			2015			2015			2015			2016(1)
Common Equity Tier 1 Capital Ratio and Components
Citigroup Common Stockholders’ Equity(2)	$	202,782		$	205,610		$	205,772		$	205,286		$	209,947
Add: Qualifying noncontrolling interests	146			146			147			145			143
Regulatory Capital Adjustments and Deductions:
Less:
Accumulated net unrealized losses on cash flow hedges, net of tax(3)	(823		)	(731		)	(542		)	(617		)	(300		)
Cumulative unrealized net gain related to changes in fair value of financial liabilities attributable to own creditworthiness, net of tax(4)	332			474			717			441			562
Intangible Assets:
Goodwill, net of related deferred tax liabilities (DTLs)(5)	22,448			22,312			21,732			21,980			21,935
Identifiable intangible assets other than mortgage servicing rights (MSRs), net of related DTLs	4,184			4,153			3,911			3,586			3,332
Defined benefit pension plan net assets	897			815			904			794			870
Deferred tax assets (DTAs) arising from net operating loss, foreign tax credit and general business credit carry-forwards	23,190			23,760			23,295			23,659			23,414
Excess over 10% / 15% limitations for other DTAs, certain common stock investments and MSRs(6)	10,755			9,538			9,451			8,723			7,226
Common Equity Tier 1 Capital (CET1)	$	141,945		$	145,435		$	146,451		$	146,865		$	153,051
Risk-Weighted Assets (RWA)	$	1,283,758		$	1,278,593		$	1,254,473		$	1,216,277		$	1,240,728
Common Equity Tier 1 Capital Ratio (CET1/RWA)	11.06		%	11.37		%	11.67		%	12.07		%	12.3		%
Supplementary Leverage Ratio
Common Equity Tier 1 Capital (CET1)	$	141,945		$	145,435		$	146,451		$	146,865		$	153,051
Additional Tier 1 Capital (AT1)(7)	12,960			14,956			15,548			17,171			18,164
Total Tier 1 Capital (T1C) (CET1 + AT1)	$	154,905		$	160,391		$	161,999		$	164,036		$	171,215
Total Leverage Exposure (TLE)	$	2,406,286		$	2,386,189		$	2,363,506		$	2,317,849		$	2,300,172
Supplementary Leverage Ratio (T1C/TLE)	6.44		%	6.72		%	6.85		%	7.08		%	7.4		%
Tangible Common Equity and Tangible Book Value Per Share
Common Equity	$	202,652		$	205,472		$	205,630		$	205,139		$	209,769
Less:
Goodwill	23,150			23,012			22,444			22,349			22,575
Intangible assets (other than MSRs)	4,244			4,071			3,880			3,721			3,493
Goodwill and Intangible assets (other than MSRs) related to assets held-for-sale	297			274			345			68			30
Tangible Common Equity (TCE)	$	174,961		$	178,115		$	178,961		$	179,001		$	183,671
Common Shares Outstanding (CSO)	3,034.1			3,009.8			2,979.0			2,953.3			2,934.9
Tangible Book Value Per Share (TCE/CSO)	$	57.66		$	59.18		$	60.07		$	60.61		$	62.58

(1)Preliminary.

(2)Excludes issuance costs related to outstanding preferred stock in accordance with Federal Reserve Board regulatory reporting requirements.

(3)Common Equity Tier 1 Capital is adjusted for accumulated net unrealized gains (losses) on cash flow hedges included in accumulated other comprehensive income that relate to the hedging of items not recognized at fair value on the balance sheet.

(4)The cumulative impact of changes in Citigroup’s own creditworthiness in valuing liabilities for which the fair value option has been elected and own-credit valuation adjustments on derivatives are excluded from Common Equity Tier 1 Capital, in accordance with the U.S. Basel III rules.

(5)Includes goodwill “embedded” in the valuation of significant common stock investments in unconsolidated financial institutions.

(6)Assets subject to 10%/15% limitations include MSRs, DTAs arising from temporary differences and significant common stock investments in unconsolidated financial institutions. Commencing with March 31, 2015 and for the quarterly reporting periods thereafter, the deduction related only to DTAs arising from temporary differences that exceeded the 10% limitation.

(7)Additional Tier 1 Capital primarily includes qualifying noncumulative perpetual preferred stock and qualifying trust preferred securities.

Reclassified to conform to the current period’s presentation.

Page 36