Exhibit 12.02

CITIGROUP INC.
CALCULATION OF RATIO OF INCOME TO FIXED CHARGES
INCLUDINGPREFERREDSTOCKDIVIDENDS

	Year ended December 31,
In millions of dollars, except for ratios	2010		2009 (2)(3)(4)(5)		2008 (2)(3)(4)		2007 (2)(3)(4)		2006 (3)(4)(5)(6)
EXCLUDING INTEREST ON DEPOSITS:
Fixed Charges
Interest expense (other than interest on deposits)	$	16,442	$	17,530	$	33,027	$	48,387	$	34,743
Interest factor in rent expense		493		522		734		623		556
Dividends--Preferred Stock		11		22,708		2,830		51		93
Total fixed charges	$	16,946	$	40,760	$	36,591	$	49,061	$	35,392
Income
Income from continuing operations before taxes, minority interest
and cumulative effect of accounting changes	$	13,184	$	(7,799)	$	(52,355)	$	646	$	28,489
Fixed charges (excluding preferred stock dividends)		16,935		18,052		33,761		49,010		35,299
Total income	$	30,119	$	10,253	$	(18,594)	$	49,656	$	63,788
Ratio of income to fixed charges excluding interest on deposits		1.78		NM		NM		1.01		1.80
INCLUDING INTEREST ON DEPOSITS:
Fixed Charges
Interest expense	$	24,864	$	27,721	$	52,750	$	75,958	$	55,683
Interest factor in rent expense		493		522		734		623		556
Dividends--Preferred Stock		11		22,708		2,830		51		93
Total fixed charges	$	25,368	$	50,951	$	56,314	$	76,632	$	56,332
Income
Income from continuing operations before taxes, minority interest
and cumulative effect of accounting changes	$	13,184	$	(7,799)	$	(52,355)	$	646	$	28,489
Fixed charges (excluding preferred stock dividends)		25,357		28,243		53,484		76,581		56,239
Total income	$	38,541	$	20,444	$	1,129	$	77,227	$	84,728
Ratio of income to fixed charges including interest on deposits		1.52		NM		NM		1.01		1.50

(1) On September 17, 2010, Citigroupannounced an agreement to sell its The Student Loan Corporation to DiscoverFinancialServices("Discover") and SLM Corporation("Sallie Mae"). Citigroupreports these businessesseparately as discontinuedoperations in the Company'sConsolidatedStatement of Income. The calculation of the ratio of income to fixed chargesexcludesdiscontinuedoperations. Prior periods have not been restated due to the immateriality of the impact in those periods.

(2) On May 1, 2009, Citigroupannounced an agreement to sell its Nikko CordialSecurities to Sumitomo Mitsui BankingCorporation(hereafterSMBC). Citigroupreports these businessesseparately as discontinuedoperations in the Company'sConsolidatedStatement of Income. The calculation of the ratio of income to fixed chargesexcludesdiscontinuedoperations. Prior periods have been restated on a comparable basis.

(3) On July 11, 2008, the Companyannounced an agreement to sell its German retail bankingoperations to Credit Mutuel.Citigroupreports these businessesseparately as discontinuedoperations in the Company'sConsolidatedStatement of Income. The calculation of the ratio of income to fixed chargesexcludesdiscontinuedoperations. Prior periods have been restated on a comparable basis.

(4) On April 17, 2008, Citigroupannounced an agreement to sell most of Citigroup’sCitiCapitalbusiness unit to GE Capital.Citigroupreports these businessesseparately as discontinuedoperations in the Company'sConsolidatedStatement of Income. The calculation of the ratio of income to fixed chargesexcludesdiscontinuedoperations. Prior periods have been restated on a comparable basis.

(5) On December 1, 2005, Citigroupcompleted the sale of substantially all of Citigroup's Asset ManagementBusiness to Legg Mason, Inc. Citigroupreports these businessesseparately as discontinuedoperations in the Company'sConsolidatedStatement of Income.

(6) On July 1, 2005, Citigroupcompleted the sale of Citigroup'sTravelers Life & Annuity and substantially all of Citigroup'sinternationalinsurancebusinesses to MetLife, Inc. Citigroupreports these businessesseparately as discontinuedoperations in the Company'sConsolidatedStatement of Income.