Citigroup Q4 2012 Financial Supplement

CITIGROUP - QUARTERLY FINANCIAL DATA SUPPLEMENT
4Q12
Page Number
Citigroup Consolidated
Financial Summary
Consolidated Statement of Income
Consolidated Balance Sheet
Segment Detail
Net Revenues
Income
1
2
3
4
5
Citicorp
Income Statement and Balance Sheet Data
Global Consumer Banking
North America
EMEA
Latin America
Asia
Institutional Clients Group (ICG)
Securities and Banking
Transaction Services
Corporate / Other
Regional Totals
North America
EMEA
Latin America
Asia
6
7-8
9 - 11
12 - 13
14 - 15
16 - 17
18
19
20
21
22
23
24
25
Citi Holdings
Income Statement and Balance Sheet Data
Brokerage and Asset Management
Local Consumer Lending
Special Asset Pool
Citigroup Supplemental Detail
Average Balances and Interest Rates
Deposits
Loans
Citicorp
Citi Holdings / Total Citigroup
Consumer Loan Delinquency Amounts and Ratios
90+ Days
30-89 Days
Allowance for Credit Losses
Total Citigroup
Consumer and Corporate
26
27
28 - 30
31
32
33
34
35
36
37
38
39 - 40
Components of Provision for Loan Losses

Citicorp
Citi Holdings / Total Citigroup
41
42
Non-Accrual Assets
Total Citigroup
Citicorp
Citi Holdings
43
44
45
Reconciliation of Non-GAAP Financial Measures
46
CITIGROUP -- FINANCIAL SUMMARY

(In millions of dollars, except per share amounts, and as otherwise noted)
4Q
2011
Total Revenues, Net of Interest Expense
Total Operating Expenses
Net Credit Losses
Credit Reserve Build / (Release)
Provision for Unfunded Lending Commitments
Provision for Benefits & Claims
Provision for Credit Losses and for Benefits and Claims
Income from Continuing Operations before Income Taxes

Income Taxes (benefits)
Income from Continuing Operations
Income (Loss) from Discontinued Operations, net of Taxes
Citigroup's Net Income
17,174
13,211
4,108
(1,464)
(4)
234
2,874
1,089
91
$
Net Income before Noncontrolling Interests

Net Income Attributable to Noncontrolling Interests
Diluted Earnings Per Share:

Shares (in millions) (1):
Average Basic
Average Diluted
Common Shares Outstanding, at period end
1Q
2012
998
-
2Q
2012
19,406
12,319
3,955
(1,127)
(38)
229
3,019
4,068
1,006
$
998
42
3,062
(5)
3Q
2012
18,642
12,134
3,576
(991)
7
214
2,806
3,702
715
$
3,057
126
2,987
(1)
13,951
12,220
3,979
(1,468)
(41)
225
2,695
(964)
(1,488)
$
2,986
40
524
(31)
493
25
Full
Year
2011
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
18,174
13,845
3,066
(142)
56
219
3,199
30%
13%
(23%)
90%
NM
(3%)
19%
6%
5%
(25%)
90%
NM
(6%)
11%
1,130
(206)
NM
86%
4%
NM
1,336
(112)
NM
NM
34%
-
1,224
28
NM
12%
23%
(33%)
Full
Year
2012
78,353
50,933
20,038
(8,265)
51
972
12,796
14,624
3,521
$
11,103
112
11,215
148
FY 2012 vs.
FY 2011 Increase/
(Decrease)
70,173
50,518
14,576
(3,728)
(16)
887
11,719
(10%)
(1%)
(27%)
55%
NM
(9%)
(8%)
7,936
27
(46%)
(99%)
7,909
(149)
(29%)
NM
7,760
219
(31%)
48%
956
2,931
2,946
468
1,196
NM
25%
11,067
7,541
(32%)
$
$
0.31
0.31
$
$
0.96
0.95
$
$
0.95
0.95
$
$
0.16
0.15
$
$
0.42
0.38
NM
NM
35%
23%
$
$
3.59
3.63
$
$
2.49
2.44
(31%)
(33%)
2,942.7
3,017.0
3,028.9
1%
3%
1%
4%
2,915.2
3,003.0
2,923.9
2,926.2
3,014.5
2,932.2
2,926.6
3,015.0
2,932.5
2,926.8
3,015.3
2,932.5
2,909.8
2,998.8
2,930.6
3,015.5
1%
1%
Preferred Dividends - Basic

Preferred Dividends - Diluted
$
$
9
9
$
$
4
4
$
$
9
9
$
$
4
4
$
$
9
9
NM
NM
$
$
26
26
$
$
26
26
Income Allocated to Unrestricted Common Shareholders - Basic

$
$
930
930
$
$
2,878
2,873
$
$
2,869
2,868
$
$
484
453
$
$
1,269
1,160
NM
NM
36%
25%
$
$
10,745
10,855
$
$
7,495
7,349
(30%)
(32%)
Income Allocated to Unrestricted Common Shareholders - Diluted

$
$
933
933
$
$
2,882
2,877
$
$
2,873
2,872
$
$
485
455
$
$
1,271
1,161
NM
NM
36%
24%
$
$
10,762
10,872
$
$
7,506
7,360
(30%)
(32%)
Financial Ratios:
Tier 1 Common Ratio
Tier 1 Capital Ratio
Total Capital Ratio
Leverage Ratio
Return on Average Common Equity
Balance Sheet Data, EOP (in billions of dollars, except Book Value per Share):
Total Assets
Total Deposits
Citigroup's Stockholders' Equity
Citigroup Equity and Trust Preferred Securities (included in LT Debt)
Book Value Per Share (2)
Tangible Book Value Per Share (2)
Direct Staff (in thousands)
11.80%
13.55%
16.99%
7.19%
2.1%
$
$
$
1,873.9
865.9
177.8
193.9
60.70
49.74
266
12.50%
14.26%
17.64%
7.55%
6.5%
$
$
$
1,944.4
906.0
181.8
197.9
61.90
50.90
263
12.71%
14.46%
17.70%
7.66%
6.5%
$
$
$
1,916.5
914.3
183.9
199.9
62.61
51.81
261
12.73%
13.92%
17.12%
7.39%
1.0%
$
$
$
1,931.3
944.6
186.8
197.3
63.59
52.69
12.7%
14.1%
17.3%
7.5%
2.5%
$
$
$
1,864.7
930.6
189.0
199.0
61.57
51.19
262
*
*
*
*
*
*
*
*
*
*
*
259
6.3%
(3%)
(1%)
1%
1%
(3%)
(3%)
7%
6%
3%
1%
3%
(1%)
(3%)
4.1% *
(1) Citi's basic and end-of-period shares increased in the fourth quarter 2012 as compared to the third quarter 2012 due to the issuance
of approximately 96 million shares of common stock during the quarter upon the automatic settlement of the T-DECS issued in December 2009, as previously announced.
(2) Citis book value and tangible book value per share each declined in the fourth quarter 2012 as compared to the third quarter 2012 due to the settlement of the
T-DECS (see footnote 1 above). Tangible book value per share is a non-GAAP financial measure. See page 46 for a reconciliation of this measure.
Note: Ratios and returns are calculated based on the displayed numbers.
NM Not meaningful
* Preliminary
Reclassified to conform to the current period's presentation.
Page 1
CITIGROUP CONSOLIDATED STATEMENT OF INCOME

(In millions of dollars)
4Q
2011
Revenues
Interest revenue
Interest expense
Net interest revenue
Commissions and fees

Principal transactions
Administrative and other fiduciary fees
Realized gains (losses) on investments
Other-than temporary impairment losses on investments and other assets (1)
Insurance premiums
Other revenue (2)
Total non-interest revenues
Total revenues, net of interest expense
1Q
2012
17,795
5,712
12,083
2Q
2012
17,537
5,590
11,947
3Q
2012
16,889
5,296
11,593
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
16,934
5,021
11,913
16,778
4,628
12,150
(1%)
(8%)
2%
(6%)
(19%)
1%
Full
Year
2011
$
72,681
24,234
48,447
Full
Year
2012
$
FY 2012 vs.
FY 2011 Increase/
(Decrease)
68,138
20,535
47,603
(6%)
(15%)
(2%)
2,882
(652)
885
69
(230)
633
1,504
5,091
17,174
3,138
1,931
981
1,925
(1,305)
635
154
7,459
19,406
3,079
1,640
1,037
273
(128)
621
527
7,049
18,642
3,304
976
974
615
(3,470)
616
(977)
2,038
13,951
3,405
234
1,020
438
(68)
604
391
6,024
18,174
3%
(76%)
5%
(29%)
98%
(2%)
NM
NM
30%
18%
NM
15%
NM
70%
(5%)
(74%)
18%
6%
12,850
7,234
3,995
1,997
(2,254)
2,647
3,437
29,906
78,353
12,926
4,781
4,012
3,251
(4,971)
2,476
95
22,570
70,173
1%
(34%)
63%
NM
(6%)
(97%)
(25%)
(10%)
4,108
(1,464)
3,955
(1,127)
3,576
(991)
3,979
(1,468)
3,066
(142)
(23%)
90%
(25%)
90%
20,038
(8,265)
14,576
(3,728)
(27%)
55%
2,644
234
(4)
2,874
2,828
229
(38)
3,019
2,585
214
7
2,806
2,511
225
(41)
2,695
2,924
219
56
3,199
16%
(3%)
NM
19%
11%
(6%)
NM
11%
11,773
972
51
12,796
10,848
887
(16)
11,719
(8%)
(9%)
NM
(8%)
6,560
831
1,586
525
4,343
13,845
7%
(2%)
8%
(13%)
37%
13%
3%
3%
19%
(24%)
9%
5%
25,688
3,326
5,133
2,346
14,440
50,933
25,204
3,282
5,914
2,224
13,894
50,518
(2%)
(1%)
15%
(5%)
(4%)
(1%)
Provisions for Credit Losses and for Benefits and Claims

Net credit losses
Credit reserve build / (release)
Provision for loan losses
Policyholder benefits and claims
Provision for unfunded lending commitments
Total provisions for credit losses and for benefits and claims
Operating Expenses
Compensation and benefits
Premises and Equipment
Technology / communication expense
Advertising and marketing expense
Other operating
Total operating expenses
6,387
809
1,338
687
3,990
13,211
6,385
799
1,382
503
3,250
12,319
6,127
806
1,481
591
3,129
12,134
1,089
4,068
3,702
(964)
91
1,006
715
(1,488)
998
3,062
2,987
Discontinued Operations (3)

Income (Loss) from Discontinued Operations
Gain (Loss) on Sale
Provision (benefits) for income taxes
Income (Loss) from Discontinued Operations, net of taxes
(15)
9
(6)
-
Net Income before Noncontrolling Interests
998
3,057
2,986
493
1,224
NM
23%
42
126
40
25
28
12%
(33%)
1,196
NM
25%
Income from Continuing Operations before

Income Taxes
Net Income attributable to noncontrolling interests

(1)
956
(3)
(1)
1
(5)
2,931
6,132
846
1,465
605
3,172
12,220
2,946
(206)
524
1
(1)
1,130
1,336
(46)
(15)
(31)
468
(170)
(58)
(112)
NM
4%
14,624
7,936
(46%)
86%
NM
3,521
27
(99%)
NM
34%
11,103
7,909
(29%)
NM
23
155
66
112
(219)
(1)
(71)
(149)
11,215
7,760
148
219
11,067
7,541
NM
(31%)
48%
(32%)
First quarter of 2012 includes the recognition of a $1,181 million impairment charge related to the carrying value of Citi's investment in Akbank T.A.S.
Third quarter of 2012 includes the recognition of a $3,340 million impairment charge related to the carrying value of Citi's remaining 35% investment in
the Morgan Stanley Smith Barney joint venture (MSSB JV).
(2)
Third quarter of 2012 also includes a non-cash charge of $1,344 million, representing a loss on Citi's sale of the 14% interest in the MSSB JV to Morgan Stanley.
(3)
Discontinued operations primarily includes:

a)
During the third quarter of 2012, Citi executed definitive agreements to transition a carve-out of its liquid strategies business within Citi Capital
Advisors to certain employees responsible for managing those operations.
b)
In the fourth quarter of 2012, residual amounts related to the Egg Credit Card business and Citi Capital Advisors.
NM Not meaningful
Page 2
CITIGROUP CONSOLIDATED BALANCE SHEET

December 31,
2011
Assets
Cash and due from banks (including segregated cash and other deposits)
Deposits with banks
Fed funds sold and securities borr'd or purch under agree. to resell
Brokerage receivables
Trading account assets
Investments
Available-for-sale and non-marketable equity securities
Held-to-maturity
Total Investments
Loans, net of unearned income
Consumer
Corporate
Loans, net of unearned income
Allowance for loan losses
Total loans, net
Goodwill
Intangible assets (other than MSRs)
Mortgage servicing rights (MSRs)
Other assets
Assets related to discontinued operations held for sale
Total assets
Liabilities
Non-interest-bearing deposits in U.S. offices
Interest-bearing deposits in U.S. offices
Total U.S. Deposits
26,505
183,949
289,057
39,443
307,050
June 30,
2012
$
33,927
155,054
272,664
35,340
310,246
September 30,
2012
December 31,
2012 (1)
33,802
170,028
277,542
31,077
315,201
4Q12 Increase
(Decrease) from
3Q12
4Q11
36,453
102,134
261,311
22,490
320,929
8%
(40%)
(6%)
(28%)
2%
27%
(34%)
(5%)
(19%)
10%
281,930
11,483
293,413
287,197
10,126
297,323
294,577
11,349
305,926
284,531
10,943
295,474
302,196
10,130
312,326
6%
(7%)
6%
7%
(12%)
6%
423,340
223,902
647,242
(30,115)
617,127
25,413
6,600
2,569
148,911
-
416,103
231,919
648,022
(29,020)
619,002
25,810
6,413
2,691
147,180
-
409,127
245,841
654,968
(27,611)
627,357
25,483
6,156
2,117
142,181
-
407,752
250,671
658,423
(25,916)
632,507
25,915
5,963
1,920
141,873
44
408,671
246,793
655,464
(25,455)
630,009
25,673
5,697
1,942
145,660
36
(2%)
2%
0%
(1%)
(4%)
1%
3%
(18%)
(3%)
10%
1%
15%
2%
1%
(14%)
(24%)
(2%)
-
1,873,878
1,944,423
1,916,451
1,931,346
1,864,660
(3%)
119,437
223,851
343,288
122,305
228,357
350,662
120,324
233,696
354,020
133,981
239,574
373,555
129,657
247,716
377,373
(3%)
3%
1%
9%
11%
10%
Non-interest-bearing deposits in offices outside the U.S.

Interest-bearing deposits in offices outside the U.S.
Total International Deposits
Total deposits
Fed funds purch and securities loaned or sold under agree. to repurch.
Brokerage payables
Trading account liabilities
Short-term borrowings
Long-term debt
Other liabilities (2)
Liabilities related to discontinued operations held for sale
Total liabilities
28,701
155,784
275,849
27,777
291,734
March 31,
2012
57,357
465,291
60,691
494,659
59,745
500,543
63,792
507,297
65,024
488,163
2%
(4%)
13%
5%
522,648
555,350
560,288
571,089
553,187
(3%)
6%
865,936
906,012
914,308
944,644
930,560
(1%)
7%
198,373
56,696
126,082
54,441
323,505
69,272
1,694,305
226,008
56,966
135,956
55,611
311,079
69,068
1,760,700
214,851
59,133
128,818
58,698
288,334
66,470
1,730,612
224,370
55,376
129,990
49,164
271,862
67,202
1,742,608
211,236
57,013
115,549
52,027
239,463
67,815
1,673,663
(6%)
3%
(11%)
6%
(12%)
1%
(4%)
6%
1%
(8%)
(4%)
(26%)
(2%)
(1%)
NM
3%
1%
(9%)
NM
3%
1%
8%
21%
5%
Equity
Stockholders' Equity
Preferred Stock
Common Stock
Additional paid-in capital
Retained earnings
Treasury stock
Accumulated other comprehensive income (loss)
312
29
105,804
90,520
(1,071)
(17,788)
312
29
105,787
93,310
(883)
(16,735)
312
29
105,962
96,216
(859)
(17,749)
312
29
106,203
96,650
(851)
(15,566)
2,562
30
106,391
97,809
(847)
(16,896)
Total Common Equity
177,494
181,508
183,599
186,465
186,487
5%
Total Citigroup stockholders' equity

Noncontrolling interests
177,806
1,767
181,820
1,903
183,911
1,928
186,777
1,961
189,049
1,948
1%
(1%)
6%
10%
190,997
1%
6%
1,873,878
1,944,423
1,916,451
1,931,346
1,864,660
(3%)
Total equity
Total liabilities and equity
179,573
183,723
185,839
188,738
(1)
Preliminary
(2)
Includes allowance for credit losses for letters of credit and unfunded lending commitments of $1,136 million for the fourth quarter of 2011, $1,097 million for the first quarter of 2012, $1,104 million
for the second quarter of 2012, $1,063 million for the third quarter of 2012 and $1,119 million for the fourth quarter of 2012, respectively.
NM Not meaningful
Page 3
CITIGROUP
SEGMENT DETAIL
NET REVENUE
4Q
2011
CITICORP
North America
EMEA
Latin America
Asia
Total
1Q
2012
5,167
348
2,350
2,020
9,885
5,198
378
2,441
1,997
10,014
2Q
2012
3Q
2012
5,135
366
2,322
1,948
9,771
5,402
381
2,419
1,978
10,180
4Q
2012
4Q12 Increase
(Decrease) from
3Q12
4Q11
5,346
391
2,520
1,992
10,249
(1%)
3%
4%
1%
1%
3%
12%
7%
(1%)
4%
Full
Year
2011
Full
Year
2012
FY 2012 vs.
FY 2011 Increase/
(Decrease)
20,159
1,558
9,469
8,009
39,195
$ 21,081
1,516
9,702
7,915
40,214
5%
(3%)
2%
(1%)
3%

North America
EMEA
Latin America
Asia
660
1,219
579
736
1,348
1,954
755
1,218
1,926
1,609
757
1,113
1,439
1,511
802
1,018
1,391
1,343
705
854
(3%)
(11%)
(12%)
(16%)
NM
10%
22%
16%
7,558
7,221
2,370
4,274
6,104
6,417
3,019
4,203
(19%)
(11%)
27%
(2%)
Total
3,194
5,275
5,405
4,770
4,293
(10%)
34%
21,423
19,743
(8%)
North America
EMEA
Latin America
Asia
Total
605
858
413
748
2,624
641
894
451
757
2,743
665
930
455
757
2,807
623
867
447
721
2,658
635
885
444
685
2,649
2%
2%
(1%)
(5%)
-
5%
3%
8%
(8%)
1%
2,444
3,486
1,713
2,936
10,579
2,564
3,576
1,797
2,920
10,857
5%
3%
5%
(1%)
3%
Corporate / Other
383
500
NM
NM
885
192
(78%)
16,086
18,532
(3%)
6%
72,082
71,006
(1%)
Total Citicorp
CITI HOLDINGS
43

Special Asset Pool
Total Citi Holdings
Total Citigroup - Net Revenues
(265)
17,718
(46)
(1)
(2)
17,641
(76)
17,115
87
(4,804)
NM
49%
282
(4,699)
NM
1,279
(234)
1,326
(406)
931
(94)
1,104
10
1,005
(10)
(9%)
NM
(21%)
96%
5,442
547
4,366
(500)
(20%)
NM
1,088
874
924
(3,690)
1,059
NM
(3%)
6,271
(833)
NM
17,174
19,406
18,642
13,951
18,174
30%
6%
78,353
38%
NM
27%
8%
Credit valuation adjustment (CVA) on derivatives (counterparty and own-credit, excluding monolines),
net of hedges; and debt valuation adjustments (DVA) on Citigroup's
fair value option debt (1)
(40)
(1,288)
Total Citigroup - Net Revenues - Excluding CVA/DVA (2)
33
17,214
20,694
219
$
18,423
(776)
$
14,727
64
(485)
$ 18,659
1,806
$
76,547
70,173
(2,330)
$ 72,503
(10%)
NM
(5%)
Included, as applicable, in Citicorp-Securities and Banking and Citi Holdings-Special Asset Pool lines above.
Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.
NM Not meaningful
Page 4
CITIGROUP
SEGMENT DETAIL
INCOME
4Q
2011
1Q
2012
2Q
2012
3Q
2012
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
Full
Year
2011
Full
Year
2012
FY 2012 vs.
FY 2011 Increase/
(Decrease)
Income from Continuing Operations:

CITICORP
North America
EMEA
Latin America
Asia
Total
944
(4)
370
410
1,720
1,317
(7)
375
503
2,188
1,196
17
329
448
1,990
1,300
10
405
449
2,164
1,002
(38)
401
397
1,762
(23%)
NM
(1%)
(12%)
(19%)
6%
NM
8%
(3%)
2%
4,095
95
1,578
1,904
7,672
4,815
(18)
1,510
1,797
8,104
18%
NM
(4%)
(6%)
6%

North America
EMEA
Latin America
Asia
Total
(441)
160
198
(51)
128
512
342
307
488
365
325
250
232
346
363
190
163
131
278
75
(30%)
(62%)
(23%)
(61%)
NM
(18%)
40%
NM
1,044
2,000
974
895
1,011
1,354
1,308
822
(3%)
(32%)
34%
(8%)
(134)
1,289
1,428
1,131
647
(43%)
NM
4,913
4,495
(9%)
126
315
178
302
124
332
185
274
120
283
157
286
100
314
134
265
(17%)
11%
(15%)
(7%)
47%
11%
(4%)
(4%)
415
1,130
639
1,165
470
1,244
654
1,127
13%
10%
2%
(3%)
3,349
North America
EMEA
Latin America
Asia
68
283
139
277
Total
Corporate / Other
Total Citicorp
767
921
915
846
813
(4%)
6%
(41)
(312)
(427)
(55)
(831)
NM
NM
(41%)
3%
2,312
CITI HOLDINGS
Special Asset Pool
Total Citi Holdings
2,391
15,206
14,469
(5%)
(136)
(24)
(3,018)
(12)
100%
87%
(286)
(3,190)
NM
(633)
(255)
(821)
(74)
(694)
150
(1,045)
2
(51%)
(99%)
13%
NM
(4,413)
596
(3,193)
(177)
28%
NM
(1,314)
(1,024)
(919)
(3,562)
(1,055)
70%
20%
(4,103)
(6,560)
(60%)
1,336
11,103
7,909
(29%)
998
-
3,062
956
2,987
(5)
42
$
4,086
4%
NM
(93)
Income From Continuing Operations
3,906
3,495
(1,625)
(1,204)
(17)
Discontinued Operations
Net Income Attributable to Noncontrolling Interests
4,086
(728)
126
$
2,931
NM
34%
(1)
(31)
(112)
NM
112
(149)
NM
40
25
28
12%
(33%)
148
219
48%
1,196
NM
25%
2,946
524
468
11,067
7,541
(32%)
NM Not meaningful
Page 5
CITICORP (1)
STATEMENT OF INCOME AND BALANCE SHEET DATA
(In millions of dollars, except as otherwise noted)
4Q
2011
Revenues
Non-interest revenue

Net credit losses
Credit reserve build / (release)
Provision for benefits & claims
Income from Continuing Operations before
Income Taxes
11,240
4,846
16,086
11,012
6,706
17,718
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
$ 11,245
6,396
17,641
11,523
5,592
17,115
2%
(13%)
(3%)
3%
15%
6%
Full
Year
2011
$
44,764
27,318
72,082
Full
Year
2012
FY 2012 vs.
FY 2011 Increase/
(Decrease)
$ 45,026
25,980
71,006
1%
(5%)
(1%)
2,247
(741)
2,172
(671)
2,094
(188)
(4%)
72%
(19%)
78%
11,462
(4,988)
8,734
(2,177)
(24%)
56%
1,744
46
47
1,837
1,644
58
(12)
1,690
1,506
49
26
1,581
1,501
65
(25)
1,541
1,906
64
51
2,021
27%
(2%)
NM
31%
9%
39%
9%
10%
6,474
193
92
6,759
6,557
236
40
6,833
1%
22%
(57%)
1%
11%
8%
44,469
45,265
2%
11,356
11,100
2,893
581
2,312
-
Noncontrolling interests
2,271
10,897
11,030
12,238
5,742
5,240
5,070
2,856
(44%)
(1%)
20,854
18,908
(9%)
1,656
1,334
984
465
(53%)
(20%)
5,648
4,439
(21%)
4,086
3,906
4,086
2,391
15,206
14,469
(5%)
(5)
41
$
11,246
7,286
18,532
3Q
2012
2,221
(577)
Income (loss) from Discontinued Operations, net of taxes
Citicorp's Net Income
2Q
2012
2,596
(852)
Provision for income taxes

1Q
2012
124
$
3,957
(41%)
3%
(1)
(31)
(112)
NM
112
(149)
39
25
28
12%
(32%)
29
216
NM
2,251
(44%)
(1%)
15,289
$ 14,104
(8%)
3,866
4,030
NM
Balance Sheet Data (in billions of dollars):

Total EOP Assets
1,649
1,735
1,725
1,760
1,709
(3%)
4%
Average Assets
1,675
1,689
1,714
1,725
1,739
1%
4%
Return on Average Assets
0.54%
0.94%
0.91%
0.93%
0.51%
1,684
0.91%
Total EOP Loans
507
514
527
537
540
1%
7%
Total EOP Deposits
804
843
852
878
863
(2%)
7%
(1)
1,717
2%
0.82%
Includes the results of operations of Corporate/Other for all periods presented.
NM Not meaningful
Page 6
CITICORP
GLOBAL CONSUMER BANKING
Page 1
4Q
2011
Net Interest Revenue
Non-Interest Revenue

1Q
2012
7,425
2,460
9,885
5,578
7,373
2,641
2Q
2012
$
10,014
5,210
3Q
2012
7,197
2,574
9,771
5,313
7,395
2,785
10,180
5,389
2,030
(522)
1
65
7,503
2,746
1%
(1%)
1%
12%
10,249
5,907
1%
10%
4%
6%
72%
(100%)
(2%)
(17%)
79%
42%
2,020
(147)
64
29,683
9,512
Full
Year
2012
$
FY 2012 vs.
FY 2011 Increase/
(Decrease)
29,468
10,746
(1%)
13%
39,195
21,408
40,214
21,819
3%
2%
10,840
(4,429)
3
192
8,452
(2,131)
237
(22%)
52%
(100%)
23%
2,423
(713)
45
Provision for Loan Losses and for Benefits and Claims
1,755
1,601
1,446
1,574
1,937
23%
10%
6,606
6,558
(1%)
Income from Continuing Operations before Taxes
2,552
3,203
3,012
3,217
2,405
(25%)
(6%)
11,181
11,837
6%
832
1,015
1,022
1,053
643
(39%)
(23%)
3,509
3,733
6%
1,720
(2)
2,188
1
1,990
(1)
2,164
3
1,762
-
(19%)
(100%)
2%
100%
7,672
-
8,104
3
6%
-

Noncontrolling Interests
2,124
(728)
50
Full
Year
2011
4Q12 Increase
(Decrease) from
3Q12
4Q11
Net Credit Losses

Income Taxes
2,278
(734)
(1)
58
4Q
2012
Net Income
1,722
2,187
1,991
2,161
1,762
(18%)
2%
7,672
8,101
6%
Average Assets (in billions of dollars)

380
1.80%
384
2.29%
381
2.10%
388
2.22%
394
1.78%
2%
4%
376
2.04%
387
2.09%
3%
(1%)
2%
10%
(1%)
16,398
22,797
18,059
22,155
10%
(3%)
1%
4%
39,195
40,214
3%
Net Credit Losses as a % of Average Loans
3.44%
3.19%
3.02%
2.83%
2.77%
Revenue by Business
Retail Banking
Cards (1)
4,148
5,737
4,518
5,496
4,394
5,377
Total
9,885
10,014
9,771
$ 10,180
$ 10,249
309
2,114
282
1,996
276
1,848
325
1,705
375
1,645
15%
(4%)
21%
(22%)
1,190
9,650
1,258
7,194
6%
(25%)
2,423
2,278
2,124
2,030
2,020
(17%)
10,840
8,452
(22%)
585
1,135
812
1,376
788
1,202
789
1,375
597
1,165
(24%)
(15%)
2%
3%
2,523
5,149
2,986
5,118
18%
(1%)
1,720
2,188
1,990
2,164
1,762
(19%)
2%
7,672
8,104
6%
9,885
10,014
9,771
$ 10,180
1%
4%
39,195
40,214
3%
80
30
4,597
5,583
4,550
5,699
Net Credit Losses by Business

Retail Banking
Cards (1)
Total
Income (loss) from Continuing Operations by Business
Retail Banking
Cards (1)
Total
FX Translation Impact:
Total Revenue - as Reported
Impact of FX Translation (2)
19
(101)
$ 10,249
-
Total Revenues - Ex-FX (3)
9,904
9,913
9,851
$ 10,210
$ 10,249
Total Operating Expenses - as Reported
5,578
5,210
5,313
(12)
(67)
36
5,389
14
5,907
(742)
3%
38,488
40,214
4%
10%
6%
21,408
21,819
2%
(494)
Total Operating Expenses - Ex-FX (3)
5,566
5,143
5,349
5,403
5,907
9%
6%
20,897
21,819
4%
Total Provisions for LLR & PBC - as Reported
1,755
1,601
1,446
1,574
1,937
23%
10%
6,606
6,558
(1%)
1,744
1,566
1,460
1,578
1,937
23%
11%
6,439
6,558

Total Provisions for LLR & PBC - Ex-FX (3)
(11)
(35)
14
(167)
2%
(1) Includes both Citi-Branded Cards and Citi Retail Services.

(2) Reflects the impact of foreign exchange (FX) translation into U.S. Dollars at the current exchange rate for all periods presented.
(3) Presentation of this metric excluding FX translation is a non-GAAP financial measure.
NM Not meaningful
Page 7
CITICORP
Page 2
4Q
2011
1Q
2012
2Q
2012
3Q
2012
4Q
2012
3Q12
4Q12 Increase
(Decrease) from
4Q11
(5%)
Retail Banking Key Indicators (in billions of dollars, except as otherwise noted)
Branches (actual)
Accounts (in millions)
Average Deposits
Investment Sales
Investment AUMs
Average Loans
4,204
4,150
4,080
4,069
4,008
(1%)
62.3
64.1
65.2
65.3
65.0
4%
327.9
1%
5%
313.2
318.6
317.5
16.4
131.2
324.1
21.6
143.1
19.4
139.6
23.5
23.1
(2%)
41%
149.9
153.6
2%
131.4
139.3
17%
138.5
141.1
144.6
2%
10%
70.8
36.4
26.8
73.8
38.1
28.1
72.4
38.3
28.3
74.9
38.7
29.6
76.0
39.4
30.4
1%
2%
3%
7%
8%
13%
EOP Loans
134.0
140.0
139.0
143.2
145.8
2%
9%
Net Interest Revenue (in millions) (1)
2,707
2,746
2,682
2,710
2,728
1%
1%
15%
21%
14%
(4%)
7%
(3%)
EOP Loans:
Real Estate Lending
Commercial Markets
Personal and Other
As a % of Average Loans
8.17%
Net Credit Losses (in millions)
309
7.93%
$
0.93%
Loans 90+ Days Past Due (in millions) (2)
As a % of EOP Loans
769
As a % of EOP Loans
1,040
0.81%
$
0.58%
Loans 30-89 Days Past Due (in millions) (2)
282
7.79%
843
1,032
0.80%
$
0.61%
0.78%
276
7.64%
869
1,049
0.92%
$
0.63%
0.74%
325
7.51%
882
0.62%
$
0.76%
1,154
375
1.03%
880
0.61%
0.81%
1,112
0.77%
Cards Key Indicators (in millions of dollars, except as otherwise noted)

EOP Open Accounts
133.8
Purchase Sales
137.6
95.2
85.4
90.5
90.0
97.3
8%
2%
Average Loans (in billions) (3)
148.4
148.3
144.1
144.5
145.2
(2%)
EOP Loans (in billions) (3)
153.4
146.2
145.4
145.9
149.6
3%
(2%)
2%
1%
(4%)
(22%)
5%
12%
3%
(16%)
1%
(21%)
Average Yield (4)

Net Interest Revenue (5)
14.00%
$
As a % of Average Loans (5)

Net Credit Losses
$
$
As a % of EOP Loans
2,114
3,610
2,637
3,032
1.98%
1,996
3,487
2,499
2,694
1.84%
1,848
3,510
2,221
2,400
1.65%
1,705
3,859
2,142
2,385
1.63%
4,036
11.06%
1.47%
$
1,645
4.51%
10.62%
$
4,775
13.08%
4.69%
1.53%
$
4,685
13.87%
12.90%
9.80%
1.71%
$
5.16%
9.46%
$
4,515
13.87%
12.60%
5.41%
1.72%
$
4,627
133.8
13.86%
12.55%
9.65%
As a % of EOP Loans
Loans 30-89 Days Past Due
5.65%

Loans 90+ Days Past Due
4,718
134.1
14.04%
12.61%
Net Credit Margin (6)
135.0
2,202
1.47%
2,397
1.60%
(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 Note 1 on North America Regional Consumer Banking 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.
NM Not meaningful
Page 8
CITICORP
NORTH AMERICA
Page 1
4Q
2011

Net Credit Losses
4,249
918
1Q
2012
$
4,125
1,073
2Q
2012
$
4,035
1,100
3Q
2012
$
4,183
1,219
4Q
2012
$
4Q12 Increase
(Decrease) from
3Q12
4Q11
4,248
1,098
2%
(10%)
20%
Full
Year
2011
$
16,915
3,244
Full
Year
2012
$
FY 2012 vs.
FY 2011 Increase/
(Decrease)
16,591
4,490
(2%)
38%
5,167
2,672
5,198
2,341
5,135
2,451
5,402
2,465
5,346
2,676
(1%)
9%
3%
-
20,159
9,690
21,081
9,933
5%
3%
1,739
(785)
1
13
1,629
(841)
14
1,511
(814)
19
1,351
(519)
1
19
1,265
(215)
18
(6%)
59%
(100%)
(5%)
(27%)
73%
(100%)
38%
8,101
(4,181)
(1)
62
5,756
(2,389)
1
70
(29%)
43%
NM
13%
(14%)
968
802
716
852
1,068
25%
10%
3,981
3,438
1,527
2,055
1,968
2,085
1,602
(23%)
5%
6,488
7,710
19%
583
738
772
785
600
(24%)
3%
2,393
2,895
21%

944
-
1,317
-
1,196
-
1,300
1
1,002
-
(23%)
(100%)
6%
-
4,095
-
4,815
1
18%
-
Net Income
944
1,317
1,196
1,299
1,002
(23%)
6%
4,095
4,814
18%

170
2.20%
169
3.13%
171
2.81%
173
2.99%
175
2.28%
1%
3%
165
2.48%
172
2.80%
4%

Revenue by Business
Retail Banking
Citi-Branded Cards
Citi Retail Services
Total
Retail Banking
Citi-Branded Cards
Total
Retail Banking
Citi-Branded Cards
Total
4.60%
4.32%
4.07%
3.60%
3.35%
1,392
2,161
1,614
1,628
2,068
1,502
1,647
2,010
1,478
1,736
2,111
1,555
1,666
2,134
1,546
(4%)
1%
(1%)
20%
(1%)
(4%)
5,113
8,730
6,316
6,677
8,323
6,081
31%
(5%)
(4%)
5,167
5,198
5,135
5,402
5,346
(1%)
3%
20,159
21,081
5%
70
986
683
62
902
665
62
840
609
72
745
534
51
700
514
(29%)
(6%)
(4%)
(27%)
(29%)
(25%)
302
4,668
3,131
247
3,187
2,322
(18%)
(32%)
(26%)
1,739
1,629
1,511
1,351
1,265
(6%)
(27%)
8,101
5,756
(29%)
164
501
279
331
607
379
335
428
433
340
571
389
231
474
297
(32%)
(17%)
(24%)
41%
(5%)
6%
463
2,151
1,481
1,237
2,080
1,498
NM
(3%)
1%
944
1,317
1,196
1,300
1,002
(23%)
6%
4,095
4,815
18%
NM Not meaningful
Page 9
CITICORP
NORTH AMERICA
Page 2
4Q
2011
1Q
2012
2Q
2012
3Q
2012
4Q
2012
4Q12 Increase
(Decrease) from
3Q12
4Q11
Branches (actual)
1,016
1,020
1,015
1,017
999
(2%)
(2%)
12.7
12.5
12.5
12.5
12.4
(1%)
(2%)
Investment Sales
2.2
2.4
2.4
2.8
2.9
4%
32%
Investment AUMs
29.4
31.1
28.9
29.9
29.9
2%
Average Deposits
147.0
149.2
151.4
154.3
159.7
3%
9%
Average Loans
37.3
40.5
41.1
41.3
42.2
2%
13%
31.4
6.4
1.1
32.6
6.9
1.1
32.6
7.2
1.1
33.0
7.4
1.1
33.7
7.9
1.1
2%
7%
-
7%
23%
-
EOP Loans:
Real Estate Lending
Commercial Markets
Personal and Other
Total EOP Loans
38.9
40.6
40.9
41.5
42.7
3%
10%
Mortgage Originations
21.1
14.3
12.9
14.5
16.8
16%
(20%)
Third Party Mortgage Servicing Portfolio (EOP)
197.9
196.7
190.8
184.9
177.2
(4%)
(10%)
Net Servicing & Gain/(Loss) on Sale (in millions)
295.0
532.6
637.0
684.2
614.5
(10%)
NM
Saleable Mortgage Rate Locks
16.2
12.1
11.5
15.8
12.7
(20%)
(22%)
Net Interest Revenue on Loans (in millions)

As a % of Avg. Loans
181
1.93%
193
1.92%
200
1.96%
221
2.13%
240
2.26%
9%
33%

70
0.74%
62
0.62%
62
0.61%
72
0.69%
51
0.48%
(29%)
(27%)
Loans 90+ Days Past Due (in millions) (1)

As a % of EOP Loans
235
0.63%
260
0.66%
294
0.74%
291
0.72%
280
0.68%
(4%)
19%
Loans 30-89 Days Past Due (in millions) (1)

As a % of EOP Loans
213
0.57%
183
0.47%
215
0.54%
230
0.57%
223
0.54%
(3%)
5%
(1) 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 since the potential loss predominantly resides with the U.S. agencies.
The amounts excluded for Loans 90+Days Past Due and (EOP Loans) were $611 mlllion and ($1.3 billion), $718 mlllion and ($1.3
billion), $748 mlllion and ($1.2 billion), $738 mlllion and ($1.2 billion) and $742 mlllion and ($1.4 billion) as of December 31, 2011,
March 31, 2012, June 30, 2012, September 30, 2012 and December 31, 2012, respectively.
The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) were $121 million and ($1.3 billion), $121 million and ($1.3
billion), $124 million and ($1.2 billion), $122 million and ($1.2 billion) and $122 million and ($1.4 billion) as of December 31, 2011,
March 31, 2012, June 30, 2012, September 30, 2012 and December 31, 2012, respectively.
NM Not meaningful
Page 10
CITICORP
NORTH AMERICA
Page 3
4Q
2011
1Q
2012
2Q
2012
3Q
2012
4Q
2012
4Q12 Increase
(Decrease) from
3Q12
4Q11
Citi-Branded Cards Key Indicators (in millions of dollars, except as otherwise noted) (1)
EOP Open Accounts
Purchase Sales (in billions)
22.6
$
42.1
22.7
$
38.2
22.9
$
40.8
23.1
$
40.3
23.2
3%
41.6
3%
(1%)
74.4
73.5
71.7
71.5
71.1
(1%)
(4%)
77.2
72.7
72.7
72.2
72.9
1%
(6%)
1%
(1%)
(6%)
(29%)
5%
22%
3%
(23%)
4%
(28%)
Average Yield (2)

10.13%
$
As a % of Avg. Loans (3)

Net Credit Losses
1,170
1,016
1,078
902
1,163
982
887
9.94%
$
1,688
840
1,164
745
1,358
830
1.22%
744
760
744
1,426
7.98%
1.05%
1.02%
700
3.92%
7.56%
1.14%
1,709
9.56%
4.15%
6.53%
$
10.02%
$
9.39%
4.71%
1.35%
1.40%
1,631
9.15%
6.36%
1.32%
As a % of EOP Loans
9.96%
$
4.94%
6.24%
As a % of EOP Loans
986
1,692
9.26%
5.26%

10.19%
$
9.23%
1,731
786
1.08%
1.03%
771
1.06%
Citi Retail Services Key Indicators (in millions of dollars, except as otherwise noted) (1)
78.9
(1%)
(6%)
EOP Open Accounts

$
20.5
83.6
$
15.5
18.1
17.5
20.4
17%
38.3
37.6
36.5
36.5
37.0
1%
(3%)
39.9
36.7
36.6
36.6
38.6
5%
(3%)
2%
2%
(4%)
(25%)
1%
11%
1%
(24%)
(4%)
(33%)
Average Yield (2)

18.02%
$

Net Credit Losses
683
923
951
1,175
2.94%
665
827
845
995
2.71%
609
1,647
856
721
852
534
1,010
716
823
1,022
10.99%
1.96%
2.33%
514
5.53%
11.01%
$
1,673
17.99%
5.82%
1.97%
$
18.04%
17.95%
9.43%
2.30%
$
6.71%
8.85%
$
1,557
18.26%
17.16%
7.11%
2.38%
As a % of EOP Loans
1,577
79.3
18.14%
16.87%
9.56%
As a % of EOP Loans
7.08%

1,638
79.9
18.19%
16.97%
80.9
721
1.87%
2.25%
789
2.04%
(4) Net credit margin represents total revenues, net of interest expense, less net credit losses and policy benefits and claims.
NM Not meaningful
Page 11
CITICORP
EMEA - PAGE 1
4Q
2011
1Q
2012
224
124

348
326
Net Credit Losses

2Q
2012
262
116
378
359
3Q
2012
256
110
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
257
124
265
126
3%
2%
18%
2%
366
338
381
335
391
402
3%
20%
12%
23%
14
(13)
-
29
2
-
33
11
-
14%
NM
-
18%
NM
100%
-
28
3
(1)
-
29
(5)
(1)
-
Provision for Loan Losses and for Benefits and Claims (LLR & PBC)
30
23
31
44
42%
47%
Income (loss) from Continuing Operations before Taxes
(8)
(4)
27
15
(55)
NM
NM
(4)
10
(17)
NM
NM

(4)
(3)
(7)
1
17
1
10
2
(38)
-
NM
(100%)
NM
100%
Net Income
(1)
(8)

10
(0.04%)
9
(0.36%)
1.59%
1.62%
16
9
0.72%
$
$
0.75%
8
9
0.35%
Full
Year
2011
$
Full
Year
2012
947
611
1,558
1,343
172
(118)
4
-
FY 2012 vs.
FY 2011 Increase/
(Decrease)
1,040
476
10%
(22%)
1,516
1,434
(3%)
7%
105
(5)
(1)
-
(39%)
96%
NM
-
58
99
71%
157
(17)
NM
62
(98%)
95
-
(18)
4
NM
-
(38)
NM
NM
(22)
10
(1.51%)
11%
10
0.95%
9
(0.24%)
1.54%
95
NM
(10%)
1.66%
Revenue by Business
Retail Banking
Citi-Branded Cards
199
149
222
156
214
152
223
158
230
161
3%
2%
16%
8%
890
668
889
627
0%
(6%)
Total
348
378
366
381
391
3%
12%
1,558
1,516
(3%)
12
16
12
17
7
7
12
17
15
18
25%
6%
25%
13%
87
85
46
59
(47%)
(31%)
28
29
14
29
33
14%
18%
172
105
(39%)
(18)
14
(21)
14
(7)
24
(12)
22
(41)
3
NM
(86%)
NM
(79%)
(37)
132
(81)
63
NM
(52%)
(4)
(7)
17
10
(38)
NM
NM
95
(18)
NM
366
381
391
3%
12%
1,558

Retail Banking
Citi-Branded Cards
Total
Retail Banking
Citi-Branded Cards
Total
348
378
(4)
(75)
1,516
(3%)
353
374
375
389
391
1%
11%
1,483
1,516
2%
326
359
338
335
402
20%
23%
1,343
1,434
7%
329
354
346
341
402
18%
22%
1,277
1,434
12%
Provisions for LLR & PBC - as Reported
30
23
31
44
42%
47%
58
99
71%

Provisions for LLR & PBC - Ex-FX (2)
(5)
30
23
1
$
1
$
32
(66)
44
(2)
38%
47%
56
99
77%
NM Not meaningful
Page 12
CITICORP
EMEA - PAGE 2
4Q
2011
1Q
2012
2Q
2012
3Q
2012
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
Branches (actual)
296
286
240
234
228
(3%)
(23%)
4.0
4.0
4.0
3.9
3.9
(3%)
Average Deposits
12.0
12.5
12.4
12.7
12.7
6%
Investment Sales
0.8
1.0
0.8
1.1
1.3
18%
63%
Investment AUMs
4.7
5.3
5.0
5.4
5.8
7%
23%
Average Loans
4.3
4.4
4.7
4.7
5.0
6%
16%
0.2
1.7
2.3
0.2
1.8
2.5
0.2
1.9
2.5
0.3
2.1
2.5
0.3
2.1
2.7
8%
50%
24%
17%
Total EOP Loans
4.2
4.5
4.6
4.9
5.1
4%
21%
117
145
143
143
145
1%
24%
25%
25%
(4%)
(19%)
(3%)
(18%)
EOP Loans:
Real Estate Lending
Commercial Markets
Personal and Other

10.79%
$
Loans 90+ Days Past Due (in millions)
1.11%
$
As a % of EOP Loans
Loans 30-89 Days Past Due (in millions)
12
13.25%
59
94
1.10%
$
1.40%
As a % of EOP Loans
12
12.24%
62
92
0.60%
$
1.38%
2.24%
12.10%
49
78
1.02%
$
1.07%
2.04%
12
11.54%
50
1.02%
$
1.70%
79
15
1.19%
48
0.94%
1.61%
77
1.51%
Citi-Branded Cards Key Indicators (in billions of dollars, except as otherwise noted)
EOP Open Accounts (in millions)
Purchase Sales
2.6
2.6
Average Loans (2)
2.7
2.8
2.8
2.8
EOP Loans (2)
2.7
2.9
2.8
2.9
19.81%
$

As a % of EOP Loans
(1)
(2)
(3)
(4)
133
44
59
2.19%
17
139
43
65
2.24%
145
43
61
2.18%
12%
8%
11%
15%
2.9
4%
7%
2.9
7%
114
19.10%
$
17
141
45
68
2.34%
12%
18
6%
13%
143
1%
8%
7%
9%
(7%)
7%
19.62%
$
1.55%
$
5%
2.47%
20.03%
$
120
16.46%
2.42%
1.54%
$
2.8
3.1
16.20%
20.83%
1.48%
$
113
2.8
19.24%
1.01%
19.97%
$
16.23%
2.44%
1.63%
$
117
2.8
19.17%
16.81%
19.54%
As a % of EOP Loans
2.35%

16
19.71%
15.72%
Net Credit Margin (in millions) (5)
107
2.7
2.5
2.7
Average Yield (3)
2.6
48
1.66%
63
2.17%
Also includes net interest revenue related to the region's deposit balances in excess of the average loan portfolio.
Average loans, EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.
Average yield is gross interest revenue earned divided by average loans.
Net interest revenue includes certain fees that are recorded as interest revenue.
Page 13
CITICORP
LATIN AMERICA - PAGE 1
4Q
2011

1Q
2012
1,620
730
1,659
782
2Q
2012
$
3Q
2012
1,624
698
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
1,687
732
1,725
795
2%
9%
6%
9%
Full
Year
2011
$
Full
Year
2012
6,456
3,013
FY 2012 vs.
FY 2011 Increase/
(Decrease)
6,695
3,007
4%
-
2,350
1,408
2,441
1,364
2,322
1,363
2,419
1,387
2,520
1,588
4%
14%
7%
13%
9,469
5,756
9,702
5,702
2%
(1%)
446
38
32
430
113
44
400
120
31
433
29
46
487
37
46
12%
28%
-
9%
(3%)
44%
1,684
(67)
130
1,750
299
167
4%
NM
28%
516
587
551
508
570
12%
10%
1,747
2,216
27%
426
490
408
524
362
(31%)
(15%)
1,966
1,784
(9%)
Net Credit Losses

Income Taxes
56
115
79
119
(39)
NM
NM
370
1
375
-
329
(2)
405
-
401
-
(1%)
-
8%
(100%)
388
1,578
-
274
(29%)
1,510
(2)
(4%)
-
Net Income
369
375
331
405
401
(1%)
9%
1,578
1,512
(4%)

78
1.88%
81
1.86%
78
1.71%
79
2.04%
81
1.97%
3%
4%
80
1.97%
80
1.89%
4.87%
4.31%
4.15%
4.25%
4.61%
Revenue by Business
Retail Banking
Citi-Branded Cards
1,343
1,007
1,448
993
1,378
944
1,452
967
1,488
1,032
2%
7%
11%
2%
5,468
4,001
5,766
3,936
5%
(2%)
Total
2,350
2,441
2,322
2,419
2,520
4%
7%
9,469
9,702
2%
142
304
143
287
135
265
160
273
210
277
31%
1%
48%
(9%)
475
1,209
648
1,102
36%
(9%)
446
430
400
433
487
12%
9%
1,684
1,750
4%
202
168
202
173
223
106
214
191
222
179
4%
(6%)
10%
7%
902
676
861
649
(5%)
(4%)
370
375
329
405
401
(1%)
8%
1,578
1,510
(4%)
2,350
2,441
2,322
2,419
2,520
4%
7%
9,469
9,702
2%

Retail Banking
Citi-Branded Cards
Total
Retail Banking
Citi-Branded Cards
Total
(5)
(92)
37
(569)
2,345
2,349
2,359
2,427
2,520
4%
7%
8,900
9,702
9%
1,408
1,364
1,363
1,387
1,588
14%
13%
5,756
5,702
(1%)
1,388
1,307
1,376
1,390
1,588
14%
14%
5,389
5,702
6%
516
587
551
508
570
12%
10%
1,747
2,216
27%
(20)

(57)
(18)
$
498
13
(38)
$
549
4
$
555
1
$
509
(367)
570
(156)
12%
14%
1,591
2,216
39%
NM Not meaningful
Page 14
CITICORP
REGIONAL CONSUMER BANKING
LATIN AMERICA - PAGE 2
4Q
2011
1Q
2012
2Q
2012
3Q
2012
4Q
2012
4Q12 Increase
(Decrease) from
3Q12
4Q11
Branches (actual)
2,221
2,201
2,198
2,200
2,181
(1%)
(2%)
29.2
31.1
31.9
32.1
31.8
(1%)
9%
Average Deposits
44.4
46.0
44.0
44.6
45.4
2%
2%
Investment Sales
7.4
9.8
9.2
10.4
9.9
(5%)
34%
Investment AUMs
51.9
58.8
58.3
64.8
65.9
2%
27%
Average Loans
22.7
25.7
25.2
26.6
27.7
4%
22%
4.4
10.9
8.3
5.1
11.7
9.3
4.9
11.6
9.4
5.3
12.3
9.9
5.4
12.8
10.1
2%
4%
2%
23%
17%
22%
Total EOP Loans
23.6
26.1
25.9
27.5
28.3
3%
20%
890
938
917
958
971
1%
9%
31%
48%
1%
28%
(14%)
22%
EOP Loans:
Real Estate Lending
Commercial Markets
Personal and Other

2.48%
$
As a % of EOP Loans
15.55%
142
253
289
2.24%
$
1.07%
As a % of EOP Loans
14.68%
143
276
1.06%
$
1.22%
323
14.64%
135
14.33%
$
160
13.95%
$
210
2.15%
2.39%
3.02%
285
1.10%
$
1.24%
316
322
1.17%
$
1.22%
412
324
1.14%
1.50%
353
1.25%
12.9
12.9
(1%)
10.2
13.1
$
10.0
10.3
11.5
12%
6%
14.4
13.6
13.9
14.3
3%
5%
14.3
13.7
14.2
14.8
4%
8%
3%
3%
1%
(9%)
9%
7%
3%
4%
8%
10.8
13.6
13.7
Average Yield (3)

23.52%
$

$
$
As a % of EOP Loans
304
703
412
399
2.91%
287
706
405
426
2.98%
265
679
405
428
3.12%
273
694
401
416
2.93%
755
21.00%
2.82%
$
277
7.71%
19.86%
$
754
20.98%
7.81%
2.96%
$
729
22.49%
20.86%
20.08%
2.83%
$
7.84%
19.72%
$
707
22.75%
20.91%
8.02%
3.01%
$
721
13.0
22.91%
20.14%
20.51%
As a % of EOP Loans
8.87%

22.74%
21.30%
730
13.0
413
2.79%
432
2.92%
(1) Also includes net interest revenue related to the region's deposit balances in excess of the average loan portfolio.
NM Not meaningful
Page 15
CITICORP
ASIA - PAGE 1
4Q
2011

1Q
2012
1,332
688
2,020
1,172
Net Credit Losses

2Q
2012
1,327
670
1,997
1,146
3Q
2012
1,282
666
1,948
1,161
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
1,268
710
1,978
1,202
1,265
727
2%
(5%)
6%
1,992
1,241
1%
3%
(1%)
6%
8%
NM
-
12%
(35%)
-
210
31
-
190
(1)
-
199
(21)
-
217
(34)
-
235
20
-
241
189
178
183
255
39%
6%
607
662
609
593
496
(16%)
(18%)
Income Taxes
197
159
161
144
99
(31%)
(50%)

410
-
503
-
448
-
449
-
397
-
(12%)
-
(3%)
-
Full
Year
2011
$
Full
Year
2012
5,365
2,644
8,009
4,619
883
(63)
-
FY 2012 vs.
FY 2011 Increase/
(Decrease)
5,142
2,773
(4%)
5%
7,915
4,750
(1%)
3%
841
(36)
-
(5%)
43%
-
820
805
(2%)
2,570
2,360
(8%)
666
563
(15%)
1,904
-
1,797
-
(6%)
-
Net Income
410
503
448
449
397
(12%)
(3%)
1,904
1,797
(6%)

122
1.33%
125
1.62%
123
1.46%
127
1.41%
128
1.23%
1%
5%
122
1.56%
126
1.43%
3%
0.96%
0.86%
0.92%
0.98%
1.04%
Revenue by Business
Retail Banking
Citi-Branded Cards
1,214
806
1,220
777
1,155
793
1,186
792
1,166
826
(2%)
4%
(4%)
2%
4,927
3,082
4,727
3,188
(4%)
3%
Total
2,020
1,997
1,948
1,978
1,992
1%
(1%)
8,009
7,915
(1%)
85
125
65
125
72
127
81
136
99
136
22%
-
16%
9%
326
557
317
524
(3%)
(6%)
210
190
199
217
235
8%
12%
883
841
(5%)
237
173
300
203
237
211
247
202
185
212
(25%)
5%
(22%)
23%
1,195
709
969
828
(19%)
17%
410
503
448
449
397
(12%)
(3%)
1,904
1,797
(6%)
2,020
1,997
1,948
1,978
1,992
1%
(1%)
8,009
7,915
(1%)

Retail Banking
Citi-Branded Cards
Total
Income from Continuing Operations by Business
Retail Banking
Citi-Branded Cards
Total
19
(5)
34
14
(98)
2,039
1,992
1,982
1,992
1,992
(2%)
7,911
7,915
1,172
1,146
1,161
1,202
1,241
3%
6%
4,619
4,750
3%
(5)
15
(61)
1,177
1,141
1,176
1,207
1,241
3%
5%
4,558
4,750
241
189
178
183
255
39%
6%
820
805

7
$
248
3
$
192
9
$
187
2
$
185
255
(9)
38%
3%
811
4%
(2%)
805
(1%)
NM Not meaningful
Page 16
CITICORP
ASIA - PAGE 2
4Q
2011
1Q
2012
2Q
2012
3Q
2012
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
Branches (actual)
671
643
627
618
600
(3%)
(11%)
16.4
16.5
16.8
16.8
16.9
1%
3%
Average Deposits
109.8
110.9
109.7
112.5
110.1
(2%)
Investment Sales
6.0
8.4
7.0
9.2
9.0
(2%)
50%
Investment AUMs
Average Loans
$
$
45.2
67.1
$
$
47.9
68.7
$
$
47.4
67.5
$
$
49.8
68.5
$
$
52.0
69.7
4%
2%
15%
4%
34.8
17.4
15.1
35.9
17.7
15.2
34.7
17.6
15.3
36.3
16.9
16.1
36.6
16.6
16.5
1%
(2%)
2%
5%
(5%)
9%
Total EOP Loans
67.3
68.8
67.6
69.3
69.7
1%
4%
820
807
775
761
746
(2%)
(9%)
22%
16%
4%
3%
6%
3%
EOP Loans:
Real Estate Lending
Commercial Markets
Personal and Other

4.85%
$
0.50%
$
As a % of EOP Loans
85
4.72%
222
444
0.38%
$
0.33%
As a % of EOP Loans
65
4.62%
245
434
0.43%
$
0.36%
0.66%
72
4.42%
241
440
0.47%
$
0.36%
0.63%
81
4.26%
219
0.32%
$
0.65%
433
99
0.57%
228
0.33%
0.62%
459
0.66%
15.9
16.0
1%
1%
18.8
15.7
$
18.8
19.1
20.7
8%
8%
20.0
19.5
19.8
19.9
1%
3%
19.6
19.6
20.0
20.4
2%
3%
2%
1%
9%
5%
1%
6%
9%
2%
7%
19.1
19.4
19.9
Average Yield (3)

13.41%
$

As a % of EOP Loans
(1)
(2)
(3)
(4)
(5)
125
681
214
321
1.61%
125
652
224
321
1.64%
127
666
222
315
1.61%
136
656
220
334
1.67%
690
13.79%
1.10%
$
136
2.72%
13.18%
$
519
10.38%
2.73%
1.13%
$
507
12.88%
10.19%
13.74%
1.14%
$
2.62%
13.11%
$
507
12.89%
10.46%
2.51%
1.08%
$
520
15.9
13.16%
10.46%
13.93%
As a % of EOP Loans
2.56%

13.31%
10.47%
512
15.7
234
1.15%
342
1.68%
Also includes net interest revenue related to the region's deposit balances in excess of the average loan portfolio.
Average loans, EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.
Average yield is gross interest revenue earned divided by average loans.
Net interest revenue includes certain fees that are recorded as interest revenue.
Net credit margin is total revenues, net of interest expense, less net credit losses and policy benefits and claims.
NM Not meaningful
Page 17
CITICORP
INSTITUTIONAL CLIENTS GROUP
4Q
2011
Commissions and Fees
Administration and Other Fiduciary Fees
Investment Banking
Principal Transactions
Other
Total Non-Interest Revenue
Net Interest Revenue (including Dividends)

1Q
2012
1,024
648
645
(340)
113
2,090
3,728
5,818
5,266
Net Credit Losses


Income Taxes (Benefits)
3Q
2012
1,081
742
793
1,434
326
4,376
3,836
82
89
135
2,834
3,090
1,011
663
1,000
731
37
3,442
3,986
143
(26)
(149)
(32)
Full
Year
2012
FY 2012 vs.
FY 2011 Increase/
(Decrease)
1,085
689
1,014
49
(42)
2,795
4,147
7%
4%
1%
(93%)
NM
(19%)
4%
6%
6%
57%
NM
NM
34%
11%
4,449
2,775
3,029
4,873
1,821
16,947
15,055
4,318
2,790
3,618
4,130
(85)
14,771
15,829
(3%)
1%
19%
(15%)
NM
(13%)
5%
6,942
5,273
(7%)
8%
19%
0%
32,002
20,768
30,600
20,232
(4%)
(3%)
(48%)
NM
72%
-
(56%)
4%
70%
-
75
50
(41)
84
2,583
Full
Year
2011
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
7,428
4,877
122
26
(13)
-
470
633
29
8,212
4,987
(58)
(11)
158
-
(163)

1,141
696
811
1,916
(406)
4,158
3,860
8,018
5,095
172
48
(138)
-
2Q
2012
619
89
(556)
-
282
39
(45)
-
(54%)
(56%)
92%
-
NM
2%
152
276
82%
1,585
(39%)
NM
11,082
10,092
(9%)
624
747
606
125
(79%)
NM
2,820
2,102
(25%)
2,210
60
2,343
31
1,977
14
1,460
23
(26%)
64%
NM
(21%)
8,262
56
7,990
128
(3%)
NM
Net Income
604
2,150
2,312
1,963
1,437
(27%)
NM
8,206
7,862
(4%)

Return on Assets
Return on Assets (Excluding CVA/DVA)
1,010
0.24%
0.25%
1,016
0.85%
1.19%
1,048
0.89%
0.84%
1,044
0.75%
0.94%
1,059
0.54%
0.66%
1%
5%
1,024
0.80%
0.70%
1,042
0.75%
0.90%
2%
1,265
2,077
992
1,484
1,989
2,848
1,206
1,975
2,591
2,539
1,212
1,870
2,062
2,378
1,249
1,739
2,026
2,228
1,149
1,539
(2%)
(6%)
(8%)
(12%)
60%
7%
16%
4%
10,002
10,707
4,083
7,210
8,668
9,993
4,816
7,123
(13%)
(7%)
18%
(1%)
5,818
8,018
8,212
7,428
6,942
(7%)
19%
32,002
30,600
(4%)
Revenue by Region
North America
EMEA
Latin America
Asia
Total
Income from Continuing Operations by Region
North America
EMEA
Latin America
Asia
Total
(373)
443
337
226
254
827
520
609
612
697
510
524
352
629
520
476
263
445
412
340
(25%)
(29%)
(21%)
(29%)
NM
0%
22%
50%
1,459
3,130
1,613
2,060
1,481
2,598
1,962
1,949
2%
(17%)
22%
(5%)
633
2,210
2,343
1,977
1,460
(26%)
NM
8,262
7,990
(3%)
74
50
32
58
76
51
34
60
82
52
34
63
90
54
34
65
89
53
37
62
(1%)
(2%)
9%
(5%)
20%
6%
16%
7%
69
47
29
52
83
53
35
63
20%
13%
21%
21%
214
221
231
243
241
(1%)
13%
197
234
19%
Average Loans by Region (in billions)

North America
EMEA
Latin America
Asia
Total
NM Not meaningful
Page 18
CITICORP
SECURITIES AND BANKING
4Q
2011

1Q
2012
2,214
980
3,194
3,736
Net Credit Losses

2,274
3,001
5,275
3,707
178
36
(145)
-
2Q
2012
$
5,405
3,575
(60)
(17)
135
-
69
2,302
3,103
3Q
2012
58
59
1,771
56
(26)
(103)
-
(611)
Income Taxes (Benefits)
(477)
221
343
226
Income (Loss) from Continuing Operations

(134)
24
1,289
56
1,428
26
1,131
11

Return on Average Assets (Excluding CVA/DVA)
(158)
877
(0.07%)
(0.05%)
1,233
884
0.56%
0.95%
1,402
1,357
912
0.62%
0.56%
1,120
903
0.49%
0.71%
Full
Year
2011
$
9,123
12,300
Full
Year
2012
$
FY 2012 vs.
FY 2011 Increase/
(Decrease)
2,637
1,656
7%
(28%)
19%
69%
4,293
3,676
(10%)
5%
34%
(2%)
34%
NM
54%
-
(58%)
39%
68%
-
78
NM
13%
116
122
539
(60%)
NM
6,294
5,177
(18%)
(108)
NM
77%
1,381
682
(51%)
647
18
(43%)
64%
NM
(25%)
4,913
37
4,495
111
(9%)
NM
629
(44%)
NM
4,384
(10%)
916
0.27%
0.41%
1%
4%
904
0.48%
0.66%
1%
204
5%
28%
160
13%
78%
75
50
(47)
-
(73)
Income (Loss) from Continuing Operations before Taxes
Net Income (Loss)
4,770
3,486
97
26
(64)
-
1,510
2,463
2,307
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
21,423
15,013
602
86
(572)
-
4,876
9,676
10,067
6%
(18%)
19,743
14,444
(8%)
(4%)
168
33
(79)
-
894
0.55%
0.42%
(72%)
(62%)
86%
5%
Revenue Details - Excluding CVA/DVA:

Investment Banking:
Advisory
Equity Underwriting
159
90
Debt Underwriting
Total Investment Banking
110
154
201
167
194
142
684
672
709
4%
623
(7%)
389
601
486
590
632
7%
62%
1,954
2,309
18%
638
865
854
926
996
8%
56%
3,310
3,641
10%
Lending
165
56
608
194
139
(28%)
(16%)
1,809
997
Equity Markets
233
903
550
510
455
(11%)
95%
2,402
2,418
1%
1,716
4,736
2,818
3,697
2,710
(27%)
58%
10,891
13,961
28%
2,138
Fixed Income Markets

Private Bank
517
Other Securities and Banking

Total Securities and Banking Revenues (Ex-CVA/DVA) (1)
North America
EMEA
Latin America
Asia
(1)
570
590
578
(2%)
12%
(193)
(348)
(75)
78%
NM
(859)
2,314
8%
(1,101)
(28%)
3,268
6,651
5,207
5,569
4,803
(14%)
47%
19,691
22,230
13%
712
1,237
560
759
1,978
2,555
759
1,359
1,827
1,607
755
1,018
1,785
1,853
804
1,127
1,653
1,499
720
931
(7%)
(19%)
(10%)
(17%)
NM
21%
29%
23%
6,512
6,752
2,325
4,102
7,243
7,514
3,038
4,435
11%
11%
31%
8%
4,803
(14%)
47%
22,230
13%
Total Securities and Banking Revenues (Ex-CVA/DVA) (1)
3,268
CVA/DVA {excluded as applicable in lines above} (2)

576
(485)
(45%)
6,651
(74)
$
3,194
5,207
(1,376)
$
5,275
5,569
198
$
5,405
(799)
$
4,770
(510)
$
4,293
36%
NM
(10%)
34%
19,691
1,732
$
21,423
(2,487)
NM
19,743
(8%)
(1) Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.

(2) See Note (1) on page 4.
NM Not meaningful
Page 19
CITICORP
TRANSACTION SERVICES
4Q
2011

1Q
2012
1,514
1,110
2,624
1,530
Net Credit Losses

(6)
12
7
-
2Q
2012
1,586
1,157
3Q
2012
1,534
1,273
2,743
1,388
2,807
1,412
2
6
23
-
25
51
-
1,523
1,135
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
$
2,658
1,391
87
(46)
-
1,510
1,139
(1%)
-
3%
2,649
1,597
15%
1%
4%
(100%)
NM
-
100%
(100%)
(14%)
-
6
-
Full
Year
2011
$
Full
Year
2012
5,932
4,647
FY 2012 vs.
FY 2011 Increase/
(Decrease)
6,153
4,704
4%
1%
10,579
5,755
10,857
5,788
3%
1%
17
3
16
-
114
6
34
-
NM
100%
NM
NM
13
31
76
41
(85%)
(54%)
36
154
1,081
1,324
1,319
1,226
1,046
(15%)
(3%)
4,788
4,915
3%
Income Taxes
314
403
404
380
233
(39%)
(26%)
1,439
1,420
(1%)

767
5
921
4
915
5
846
3
813
5
(4%)
67%
6%
-
3,349
19
3,495
17
4%
(11%)
Net Income
762
917
910
843
808
(4%)
6%
3,330
3,478
4%

133
2.27%
132
2.79%
136
2.69%
141
2.38%
143
2.25%
1%
8%
130
2.56%
138
2.52%
6%
Revenue Details
Treasury and Trade Solutions
Securities and Fund Services
Total
1,965
659
2,054
689
2,112
695
1,991
667
1,993
656
(2%)
1%
0%
7,697
2,882
8,150
2,707
6%
(6%)
2,624
2,743
2,807
2,658
2,649
1%
10,579
10,857
3%
94
118
36
121
100
118
35
124
106
125
34
131
107
132
38
138
106
142
45
135
(1%)
8%
18%
(2%)
13%
20%
25%
12%
87
118
34
125
105
129
38
132
21%
9%
12%
6%
369
377
396
415
428
3%
16%
364
404
11%
12.0
12.5
12.2
12.8
13.2
3%
10%
Average Deposits and Other Customer

Liability Balances (in billions)
North America
EMEA
Latin America
Asia
Total
EOP Assets Under Custody (in trillions of dollars)
NM Not meaningful
Page 20
CORPORATE / OTHER (1)

4Q
2011

1Q
2012
87
296
383
512
Net Credit Losses

13
487
500
795
1
(1)
1
(1)
2Q
2012
3Q
2012
(21)
(244)
(265)
597
1
(1)
-
(136)
169
33
764
1
(1)
-
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
(1)
-
(127)
51
7%
(70%)
NM
(83%)
(76)
1,058
NM
38%
NM
NM
NM
100%
(100%)
NM
(1)
1
(129)
(295)
(862)
(730)
(1)
(1,134)
100%
(55%)
NM
Full
Year
2011
$
Full
Year
2012
26
859
885
2,293
FY 2012 vs.
FY 2011 Increase/
(Decrease)
(271)
463
192
3,214
3
(3)
1
-
(1)
(1)
1
1
(1,409)
NM
(46%)
(78%)
40%
(100%)
67%
NM
-
(1)
NM
(3,021)
NM
Income Taxes
(88)
17
(435)
(675)
(303)
55%
NM
(681)
(1,396)
NM
(41)
(312)
(427)
(55)
(831)
NM
NM
(728)
(1,625)
NM
(112)
NM
Income (Loss) from Discontinued Operations, net of taxes
(5)
(1)
(31)
14
63
NM
112
(149)
(38%)
(64%)
(27)
85
Net Income (Loss)
(55)
(380)
(437)
(94)
(948)
NM
NM
EOP Assets (in billions of dollars)
284
311
289
302
249
(18%)
(12%)
285
289
285
293
287
(2%)
1%
(589)
284
(1,859)
289
NM
NM
2%
(1) Includes unallocated global staff functions, other corporate expense and unallocated global operations and technology expenses,
Corporate Treasury, Corporate items Income (Loss) from Discontinued Operations.
NM Not meaningful
Page 21
CITICORP
North America (1)
4Q
2011

Net Credit Losses
Provision Unfunded Lending Commitments
5,353
1,079
1Q
2012
$
5,292
1,895
2Q
2012
$
3Q
2012
5,321
2,405
5,546
1,918
4Q
2012
$
4Q12 Increase
(Decrease) from
3Q12
4Q11
5,652
1,720
2%
(10%)
6%
59%
Full
Year
2011
$
Full
Year
2012
21,566
8,595
FY 2012 vs.
FY 2011 Increase/
(Decrease)
21,811
7,938
1%
(8%)
6,432
4,672
7,187
4,343
7,726
4,448
7,464
4,318
7,372
4,670
(1%)
8%
15%
-
30,161
17,790
29,749
17,779
(1%)
-
1,816
(827)
36
13
1,547
(811)
(17)
14
1,564
(839)
19
19
1,370
(574)
(15)
19
1,269
(293)
44
18
(7%)
49%
NM
(5%)
(30%)
65%
22%
38%
8,490
(4,203)
103
62
5,750
(2,517)
31
70
(32%)
40%
(70%)
13%
(25%)
1,038
733
763
800
1,038
30%
4,452
3,334
722
2,111
2,515
2,346
1,664
(29%)
NM
7,919
8,636
9%
Income Taxes
151
540
707
694
399
(43%)
NM
2,365
2,340
(1%)

571
3
1,571
32
1,808
10
1,265
9
(23%)
NM
NM
NM
5,554
(29)
6,296
44
13%
NM
1,652
(7)
Net Income
568
1,539
1,798
1,659
1,256
(24%)
NM
5,583
6,252
12%

584
0.39%
593
1.04%
614
1.18%
626
1.05%
632
0.79%
1%
8%
588
0.95%
616
1.01%
5%
1,392
1,628
1,647
1,736
5,113
Revenue by Business
1,666
(4%)
20%
6,677
31%
Citi-Branded Cards
Retail Banking
2,161
2,068
2,010
2,111
2,134
1%
(1%)
8,730
8,323
(5%)

1,614
5,167
660
605
1,502
5,198
1,348
641
1,478
5,135
1,926
665
1,555
5,402
1,439
623
1,546
5,346
1,391
635
(1%)
(1%)
(3%)
2%
(4%)
3%
NM
5%
6,316
20,159
7,558
2,444
6,081
21,081
6,104
2,564
(4%)
5%
(19%)
5%
6,432
7,187
7,726
7,464
7,372
(1%)
15%
30,161
29,749
(1%)
24%
NM
1,046
(1,138)
NM
18%
6%
Total
CVA/DVA {included as applicable in businesses above} (2)
Total Revenues - Excluding CVA/DVA (3)
(52)
$
(629)
99
(346)
(262)
6,484
7,816
7,627
7,810
7,634
(2%)
164
331
335
340
231
(32%)
41%
474
(17%)
(5%)
29,115
30,887
463

Retail Banking
Citi-Branded Cards
501
279

944
(441)
68
Total
571
607
428
571
1,237
NM
2,151
2,080
(3%)
379
433
389
297
(24%)
6%
1,481
1,498
1%
1,317
128
126
1,196
488
124
1,300
232
120
1,002
163
100
(23%)
(30%)
(17%)
6%
NM
47%
4,095
1,044
415
4,815
1,011
470
18%
(3%)
13%
1,265
(23%)
NM
6,296
13%
1,571
1,808
1,652
5,554
(1) Regional results do not include Corporate/Other. See page 21 for Corporate/Other results.
Page 22
CITICORP
EMEA (1)
4Q
2011

1Q
2012
1,174
1,251
2,425
2,033
Net Credit Losses

3,226
1,961
1,211
1,694
2,905
1,890
1,285
1,474
2,759
1,879
Full
Year
2011
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
1,333
1,286
4%
(13%)
14%
3%
2,619
2,123
(5%)
13%
8%
4%
Full
Year
2012
4,624
7,641
12,265
7,961
FY 2012 vs.
FY 2011 Increase/
(Decrease)
5,155
6,354
11%
(17%)
11,509
7,853
(6%)
(1%)
(47%)
NM
52
75
20
(38)
48
(47)
71
92
48%
NM
(37%)
NM
362
(573)
191
82
12
-
5
-
7
-
(10)
-
6
-
NM
-
(50%)
-
(2)
-
8
-
(40)
432
Income Taxes
1,326
1,900
3Q
2012
112
(164)
132
(11)
1,133
(7)

2Q
2012
439
22
(9)
1,026
889
169
NM
NM
327
(63%)
(24%)
(213)
281
4,517
NM
NM
3,375
(25%)
313
312
250
(80)
NM
NM
1,292
795
(38%)
820
28
714
22
639
23
407
16
(36%)
(30%)
(7%)
(27%)
3,225
82
2,580
89
(20%)
9%
Net Income
417
792
692
616
391
(37%)
(6%)
3,143
2,491
(21%)

300
0.55%
295
1.08%
298
0.93%
281
0.87%
292
0.53%
4%
(3%)
293
1.07%
292
0.85%
199
149
222
156
214
152
223
158
230
161
3%
2%
16%
8%
890
668
889
627
(6%)
391
1,343
885
3%
(11%)
2%
12%
10%
3%
1,516
6,417
3,576
(3%)
(11%)
3%
2,619
(5%)
8%
11,509
(6%)
54%
NM
(1,097)
NM
(11%)
14%
12,606
7%
Revenue by Business
Retail Banking
Citi-Branded Cards
Regional Consumer Banking
Total
348
1,219
858
$

2,425
378
1,954
894
$
(18)
$
2,443
3,226
366
1,609
930
$
(601)
$
3,827
2,905
381
1,511
867
$
2
$
2,903
2,759
(342)
$
3,101
(156)
$
2,775
1,558
7,221
3,486
$
12,265
469
11,796

Retail Banking
Citi-Branded Cards
Total
(18)
14
(4)
160
283
$
439
(21)
14
(7)
512
315
$
820
(7)
24
17
365
332
$
714
(12)
22
10
346
283
$
639
(41)
NM
NM
3
(38)
131
314
(86%)
NM
(62%)
11%
(79%)
NM
(18%)
11%
407
(36%)
(7%)
(81)
132
95
2,000
1,130
(37)
63
(18)
1,354
1,244
(52%)
NM
(32%)
10%
NM
3,225
2,580
(20%)
NM Not meaningful
Page 23
CITICORP
LATIN AMERICA (1)
4Q
2011

Net Credit Losses
1Q
2012
2,360
982
2Q
2012
2,388
1,259
3Q
2012
2,335
1,199
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
2,409
1,259
2,504
1,165
4%
(7%)
6%
19%
16%
10%
13%
3,342
1,879
3,647
1,802
3,534
1,785
3,668
1,823
3,669
2,120
458
58
430
107
432
105
438
53
508
40
16%
(25%)
11%
(31%)
32
44
31
46
46
44%
Full
Year
2011
$
Full
Year
2012
9,607
3,945
FY 2012 vs.
FY 2011 Increase/
(Decrease)
9,636
4,882
24%
14,518
7,530
7%
-
1,705
(163)
1,808
305
6%
NM
(9)
130
167
100%
28%
37%
13,552
7,547
548
581
568
537
594
11%
8%
1,663
2,280
915
1,264
1,181
1,308
955
(27%)
4%
4,342
4,708
8%
Income Taxes
208
369
342
383
142
(63%)
(32%)
1,151
1,236
7%

707
1
895
-
839
(3)
925
-
813
(3)
(12%)
-
15%
NM
3,191
(1)
3,472
(6)
9%
NM
Net Income
706
895
842
925
816
(12%)
16%
3,192
3,478
9%

162
1.73%
167
2.16%
165
2.05%
169
2.18%
175
1.86%
4%
8%
170
1.88%
169
2.06%
(1%)
1,343
1,007
1,448
993
1,378
944
1,452
967
1,488
1,032
2%
7%
11%
2%
5,468
4,001
5,766
3,936
5%
(2%)
2,520
705
444
4%
(12%)
(1%)
7%
22%
8%
9,469
2,370
1,713
9,702
3,019
1,797
2%
27%
5%
13,552
14,518
Revenue by Business
Retail Banking
Citi-Branded Cards
Total
2,350
579
413
$

3,342
2,441
755
451
$
19
$
3,647
2,322
757
455
$
(5)
3,534
2,419
802
447
$
3,668
(3)
3,669
(15)
3,323
3,652
3,532
3,671
3,684
202
202
223
214
10%
NM
NM
11%
45
(21)
7%
NM
13,507
14,539
8%
902
861
(5%)
649
(4%)

Retail Banking
Citi-Branded Cards
Total
222
4%
10%
168
173
106
191
179
(6%)
7%
370
198
139
375
342
178
329
325
185
405
363
157
401
278
134
(1%)
(23%)
(15%)
8%
40%
(4%)
1,578
974
639
1,510
1,308
654
(4%)
34%
2%
813
(12%)
15%
3,191
3,472
9%
707
895
839
925
676
NM Not meaningful
Page 24
CITICORP
ASIA (1)
4Q
2011

1Q
2012
2,266
1,238
2Q
2012
2,227
1,745
3Q
2012
2,166
1,652
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
2,141
1,576
1%
(13%)
(5%)
11%
3,531
2,267
(5%)
1%
1%
-
Full
Year
2012
8,941
6,278
15,219
8,878
FY 2012 vs.
FY 2011 Increase/
(Decrease)
8,695
6,343
(3%)
1%
15,038
8,889
(1%)
-
3,504
2,260
3,972
2,199
3,818
2,177
209
82
191
53
230
31
317
(103)
247
(27)
(22%)
74%
18%
NM
902
(46)
985
(46)
9%
-

291
244
261
214
220
953
1,529
1,380
1,257
1,044
Income Taxes
317
417
408
332

636
1
1,112
1
972
1
925
1
Net Credit Losses

3,717
2,246
2,161
1,370
Full
Year
2011
3%
(24%)
856
939
10%
(17%)
10%
5,485
5,210
(5%)
307
(8%)
(3%)
1,521
1,464
(4%)
737
1
(20%)
-
16%
-
3,964
4
3,746
4
(5%)
-
Net Income
635
1,111
971
924
736
(20%)
16%
3,960
3,742
(6%)

344
0.73%
345
1.30%
352
1.11%
356
1.03%
353
0.83%
(1%)
3%
350
1.13%
352
1.06%
1%
1,214
806
1,220
777
1,155
793
1,186
792
1,166
826
(2%)
4%
(4%)
2%
4,927
3,082
4,727
3,188
(4%)
3%
1,992
854
685
1%
(16%)
(5%)
(1%)
16%
(8%)
7,915
4,203
2,920
(1%)
(2%)
(1%)
3,531
(5%)
1%
15,038
(1%)
29%
NM
Revenue by Business
Retail Banking
Citi-Branded Cards
Total
2,020
736
748
$

3,504
1,997
1,218
757
$
(23)
3,972
1,948
1,113
757
$
(141)
3,818
1,978
1,018
721
$
95
3,717
(108)
(77)
8,009
4,274
2,936
$
15,219
172
(231)
NM
3,527
4,113
3,723
3,825
3,608
(6%)
2%
15,047
15,269
1%
237
173
300
203
237
211
247
202
185
212
(25%)
5%
(22%)
23%
1,195
709
969
828
(19%)
17%
397
75
265
(12%)
(61%)
(7%)
(3%)
NM
(4%)
1,797
822
1,127
(6%)
(8%)
(3%)
737
(20%)
16%
3,746
(5%)

Retail Banking
Citi-Branded Cards
Total
410
(51)
277
$
636
503
307
302
$
1,112
448
250
274
$
972
449
190
286
$
925
1,904
895
1,165
$
3,964
NM Not meaningful
Page 25
CITI HOLDINGS
STATEMENT OF INCOME AND BALANCE SHEET DATA
4Q
2011
Revenues
Non-interest revenue

Net Credit Losses (1) (2)
Credit Reserve Build / (Release) (1) (2) (3)
Income (Loss) from Continuing Operations before
Income Taxes
Income (Loss) from Continuing Operations
Citi Holding's Net Income (Loss)
1Q
2012
843
245
1,088
701
173
874
3Q
2012
581
343
924
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
668
(4,358)
(3,690)
627
432
1,059
(6%)
NM
NM
(26%)
76%
(3%)
Full
Year
2011
$
3,683
2,588
6,271
Full
Year
2012
$
FY 2012 vs.
FY 2011 Increase/
(Decrease)
2,577
(3,410)
(833)
(30%)
NM
NM
1,512
(612)
1,734
(550)
1,329
(250)
1,807
(797)
972
46
(46%)
NM
(36%)
NM
8,576
(3,277)
5,842
(1,551)
(32%)
53%
900
188
(51)
1,037
1,184
171
(26)
1,329
1,079
165
(19)
1,225
1,010
160
(16)
1,154
1,018
155
5
1,178
1%
(3%)
NM
2%
13%
(18%)
NM
14%
5,299
779
(41)
6,037
4,291
651
(56)
4,886
(19%)
(16%)
(37%)
(19%)
1,855
1,219
1,237
1,190
1,607
35%
(13%)
6,464
5,253
(19%)
(1,804)
(1,674)
(1,538)
(6,034)
(1,726)
71%
4%
(6,230)
(10,972)
(76%)
(490)
(650)
(619)
(2,472)
(671)
73%
(37%)
(2,127)
(4,412)
NM
(1,314)
(1,024)
(919)
(3,562)
(1,055)
70%
20%
(4,103)
(6,560)
(60%)
1
$
2Q
2012
(1,315)
2
$
(1,026)
(920)
(3,562)
(1,055)
(100%)
70%
20%
119
$
(4,222)
3
$
(6,563)
(97%)
(55%)
Balance Sheet Data (in billions):

Total EOP Assets
225
209
191
171
156
(9%)
(31%)
Total EOP Loans
141
134
128
122
116
(5%)
(18%)
Total EOP Deposits
62
63
63
67
68
2%
10%
(1) The first quarter of 2012 includes approximately $370 million of incremental charge-offs of previously deferred principal balances on modified loans
related to anticipated forgiveness of principal largely in connection with the National Mortgage Settlement. There was a corresponding approximately
$350 million release in the first quarter of 2012 allowance for loan losses related to these charge-offs.
(2) The third quarter of 2012 includes approximately $635 million of incremental charge-offs related to Office of the Comptroller of the Currency (OCC)
guidance which required mortgage loans to borrowers that have gone through Chapter 7 of the U.S. Bankruptcy Code to be written down to collateral
value. There was a corresponding approximately $600 million release in the third quarter of 2012 allowance for loan losses related to these
charge-offs. The fourth quarter of 2012 includes a benefit of approximately $40 million to charge offs related to finalizing the impact
of this OCC guidance.
(3) The fourth quarter of 2011, first quarter of 2012, second quarter of 2012, third quarter of 2012 and fourth quarter of 2012 includes $(16) million, $60
million, $73 million, $32 million and $100 million, respectively, of builds (releases) related to gains/(losses) on loan sales.
NM Not meaningful
Page 26
CITI HOLDINGS
BROKERAGE AND ASSET MANAGEMENT
4Q
2011
Total Revenues, Net of Interest Expense (1)

1Q
2012
(48)
91
43
180
Net Credit Losses

19
(156)
(129)
83
(46)
157
20
(1)
2Q
2012
3Q
2012
(122)
209
87
126
(1)
(1)
(202)
(117)
(4,687)
(4,804)
84
3Q12
4Q12 Increase
(Decrease) from
4Q11
(103)
167
12%
NM
NM
84%
64
95
NM
13%
49%
(47%)
(100%)
100%
4Q
2012
Full
Year
2011
$
Full
Year
2012
(180)
462
282
729
4
(3)
48
(1)
(100%)
48
(39)
(4,888)
(31)
99%
80%
(495)
FY 2012 vs.
FY 2011 Increase/
(Decrease)
(471)
(4,228)
NM
NM
(4,699)
462
NM
(37%)
(1)
-
(100%)
67%
(100%)
100%
(1)
NM
(5,160)
NM
NM
(63)
(66)
(15)
(1,870)
(19)
99%
70%
(209)
(1,970)
Income (loss) from Continuing Operations
(93)
(136)
(24)
(3,018)
(12)
100%
87%
(286)
(3,190)
(100%)
100%
(1)
Net Income (Loss)
(92)
(137)
(25)
$ (3,019)
(12)
100%
87%
27
26
21
(67%)
EOP Deposits (in billions of dollars)
55
55
55
58
59
2%
7%
9
$
(295)
3
$
(3,193)
NM
(67%)
NM
(1) Third quarter of 2012 includes the recognition of a $3,340 million impairment charge related to the carrying value of Citi's remaining 35% investment in
the Morgan Stanley Smith Barney joint venture (MSSB JV).
Third quarter of 2012 also includes a non-cash charge of $1,344 million, representing a loss on Citi's sale of the 14% interest in the MSSB JV to Morgan Stanley.
NM Not meaningful
Page 27
CITI HOLDINGS
LOCAL CONSUMER LENDING
Page 1
4Q
2011

Net Credit Losses (1) (2)
Credit Reserve Build / (Release) (1) (2) (3)
985
294
1Q
2012
$
2Q
2012
932
394
780
151
3Q
2012
$
839
265
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
$
784
221
(7%)
(17%)
(20%)
(25%)
Full
Year
2011
$
Full
Year
2012
4,268
1,174
FY 2012 vs.
FY 2011 Increase/
(Decrease)
3,335
1,031
(22%)
(12%)
1,279
1,620
1,326
999
931
1,045
1,104
987
1,005
1,434
(9%)
45%
(21%)
(11%)
5,442
5,442
4,366
4,465
(20%)
(18%)
1,535
(426)
168
-
1,752
(520)
171
-
1,289
(186)
165
-
1,824
(760)
160
-
1,005
56
155
-
(45%)
NM
(3%)
-
(35%)
NM
(8%)
-
7,504
(1,419)
731
-
5,870
(1,410)
651
-
(22%)
1%
(11%)
(25%)
1,277
1,403
1,268
1,224
1,216
(1%)
(5%)
6,816
5,111
(1,618)
(1,076)
(1,382)
(1,107)
(1,645)
(49%)
(2%)
(6,816)
(5,210)
24%
(414)
(443)
(561)
(413)
(600)
(45%)
(45%)
(2,403)
(2,017)
16%
(1,204)
2
(633)
1
(821)
-
(694)
(1)
(1,045)
-
(51%)
100%
13%
(100%)
(4,413)
2
(3,193)
-
28%
(100%)
(1,045)

Income (loss) from Continuing Operations
Net Income (Loss)
(634)
(821)
(693)
(51%)
13%
166
157
143
136
131
(4%)
(21%)
186
142
(24%)
157
147
138
134
126
(6%)
(20%)
(1,206)
4.24%
5.31%
4.09%
5.96%
(4,415)
(3,193)
28%
3.45%
Revenue by Business
International
North America
251
1,028
359
967
157
774
147
957
113
892
(23%)
(7%)
(55%)
(13%)
912
4,530
776
3,590
(15%)
(21%)
Total Revenues
1,279
1,326
931
1,104
1,005
(9%)
(21%)
5,442
4,366
(20%)
193
171
154
121
1,057
536
(49%)

International
North America
Total Net Credit Losses
1,342
$
1,535
1,581
$
1,135
1,752
74
1,289
1,703
$
1,824
90
(26%)
(53%)
915
(46%)
(32%)
1,005
(45%)
(35%)
(150)
(49%)
36%
(895)
(51%)
8%
(1,045)
(51%)
13%
6,447
7,504
5,334
(17%)
5,870
(22%)
Income (Loss) from Continuing Operations by Business

International
North America
Total Income (Loss) from Continuing Operations
(235)
(969)
$
(1,204)
(707)
$
(633)
(97)
(724)
$
(821)
(101)
(593)
$
(694)
(873)
(3,540)
$
(4,413)
(274)
69%
(2,919)
18%
(3,193)
28%
(1) The first quarter of 2012 includes approximately $370 million of incremental charge-offs of previously deferred principal balances on modified loans
(2) The third quarter of 2012 includes approximately $635 million of incremental charge-offs related to Office of the Comptroller of the Currency (OCC)
(3) The fourth quarter of 2011, first quarter of 2012, second quarter of 2012, third quarter of 2012 and fourth quarter of 2012 includes $(16) million, $60
NM Not meaningful
Page 28
CITI HOLDINGS
LOCAL CONSUMER LENDING - Page 2
4Q12 Increase
4Q
2011
1Q
2012
2Q
2012
3Q
2012
(Decrease) from
3Q12
4Q11
4Q
2012
International Key Indicators

Branches (actual)
EOP Loans (1):
Real Estate Lending
Cards
Commercial Markets
Personal and Other
EOP Loans (in billions of dollars)
95
(73%)
(76%)
14.4
395
$
10.7
9.6
9.0
8.2
(9%)
(43%)
5.0
2.7
0.5
2.6
10.8
4.9
2.7
0.6
2.0
10.2
4.5
2.6
0.5
1.7
9.3
4.5
2.6
0.4
1.3
8.8
4.2
2.5
0.1
0.8
7.6
(7%)
(4%)
(75%)
(38%)
(14%)
(16%)
(7%)
(80%)
(69%)
(30%)
394
357
357

248
6.83%
261
9.81%
118
4.94%
138
6.10%
96
4.66%
(30%)
(61%)
Net Credit Losses

193
5.32%
171
6.43%
154
6.45%
121
5.35%
90
4.37%
(26%)
(53%)
422
428
363
366
345
(6%)
(18%)
(10%)
(21%)
(10%)
As a % of EOP Loans
3.91%
$
As a % of EOP Loans
499
4.20%
$
4.62%
519
3.90%
$
5.09%
453
4.16%
$
4.87%
436
4.54%
$
4.95%
393
5.17%
North America Key Indicators (1)

1,564
(1%)
Average Loans (in billions of dollars)
Branches (actual)
$
1,729
129.4
122.1
1,720
$
117.1
1,592
$
112.7
1,582
$
107.7
(4%)
(17%)
123.9
118.9
114.6
109.1
105.1
(4%)
(15%)

737
2.26%
671
2.21%
662
2.27%
701
2.47%
688
2.54%
(2%)
(7%)
Net Credit Losses

1,342
4.11%
1,581
5.21%
1,135
3.90%
1,703
6.01%
915
3.38%
(46%)
(32%)
Loans 90+ Days Past Due (2) (3)

As a % of EOP Loans
5,427
4.73%
5,220
4.75%
4,991
4.71%
4,608
4.58%
4,266
4.41%
(7%)
(21%)
Loans 30-89 Days Past Due (2) (3)

As a % of EOP Loans
4,649
4.05%
4,079
3.71%
4,161
3.93%
4,317
4.29%
3,835
3.96%
(11%)
(18%)
(2) See Note 1 on page 30.
(3) See Note 2 on page 30.
NM Not meaningful
Page 29
CITI HOLDINGS
LOCAL CONSUMER LENDING - Page 3
4Q12 Increase
4Q
2011
1Q
2012
2Q
2012
3Q
2012
4Q
2012
(Decrease) from
3Q12
4Q11
KEY INDICATORS:
Residential Real Estate Lending
Residential First
Home Equity
$
$
Residential First
Home Equity
68.8
40.8
109.6
$
$
67.5
40.0
107.5
66.6
39.5
106.1
$
$
65.0
38.6
103.6
Third Party Mortgage Serv Portfolio (EOP, in billions)

Net Servicing & Gain/(Loss) on Sale
Net Interest Revenue on Loans
$
$
$
195.1
118.1
255
0.92%
$
$
$
182.3
77.3
267
1.01%
$
$
$
Residential First
Home Equity
Net Credit Losses
412
533
945
745
561
1,306
Residential First
Home Equity
Loans 90+ Days Past Due (1) (2)
As a % of EOP Loans
Residential First
Home Equity
Loans 30-89 Days Past Due (1) (2)
As a % of EOP Loans
Personal Loans
Net Interest Revenue on Loans
Net Credit Losses
As a % of EOP Loans
As a % of EOP Loans
3.42%
$
$
$
$
$
$
$
$
$
$
3,930
1,003
4,933
5.02%
3,392
861
4,253
4.33%
11.0
10.9
517
18.65%
236
8.51%
354
3.25%
239
2.19%
4.95%
$
$
$
$
$
$
$
$
$
$
3,875
903
4,778
5.05%
3,029
744
3,773
3.99%
10.7
10.4
499
18.76%
226
8.50%
320
3.08%
179
1.72%
64.2
37.9
102.1
62.6
37.2
99.8
168.4
(124.2)
278
1.10%
426
448
874
$
$
$
$
$
$
$
$
$
$
59.9
35.4
95.3
59.2
34.9
94.1
(5%)
(5%)
(5%)
(14%)
(14%)
(14%)
57.7
34.1
91.8
(4%)
(4%)
(4%)
(15%)
(15%)
(15%)
$
$
$
155.1
81.3
302
1.22%
$
$
$
142.9
77.6
282
1.19%
(8%)
(5%)
(7%)
(27%)
(34%)
11%
622
863
1,485
367
355
722
(41%)
(59%)
(51%)
(11%)
(33%)
(24%)
3,113
822
3,935
4.71%
(9%)
(1%)
(8%)
(21%)
(18%)
(20%)
2,912
630
3,542
4.24%
(12%)
(9%)
(12%)
(14%)
(27%)
(17%)
10.0
10.0
500
19.89%
$
172
6.84%
$
290
2.90%
$
202
2.02%
(2%)
(1%)
-
(9%)
(8%)
(3%)
(6%)
(27%)
2%
(18%)
(2%)
(15%)
3.44%
62.0
36.6
98.6
5.99%
3,773
864
4,637
5.08%
3,135
724
3,859
4.23%
10.3
10.2
488
19.06%
208
8.12%
266
2.61%
200
1.96%
$
$
$
3,439
833
4,272
4.92%
3,326
689
4,015
4.62%
$
$
$
10.2
10.1
499
19.46%
183
7.14%
283
2.80%
206
2.04%
3.05%
$
$
$
$
$
$
$
(1) 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 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 $4.4 billion and ($7.9 billion), $4.4
billion and ($7.7 billion), $4.3 billion and ($7.4 billion), $4.1 billion and ($7.2 billion) and $4.0 billion and ($7.1 billion) as of
December 31, 2011, March 31, 2012, June 30, 2012, September 30, 2012 and December 31, 2012, respectively.
The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) for each period were, $1.5 billion and ($7.9 billion), $1.3
billion and ($7.7 billion), $1.3 billion and ($7.4 billion), $1.3 billion and ($7.2 billion) and $1.2 billion and ($7.1 billion) as of
December 31, 2011, March 31, 2012, June 30, 2012 and September 30, 2012, respectively.
(2) The December 31, 2011, March 31, 2012, June 30, 2012, September 30, 2012 and December 31, 2012 Loans 90+ Days Past Due and
30-89 Days Past Due and related ratios excludes $1.3 billion, $1.3 billion, $1.2 billion, $1.2 billion and $1.2 billion, respectively, of loans
that are carried at fair value.
NM Not meaningful
Page 30
CITI HOLDINGS
SPECIAL ASSET POOL
4Q
2011

1Q
2012
(94)
(140)
2Q
2012
(102)
(304)
3Q
2012
(77)
(17)
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
(54)
64
(54)
44
(31%)
43%
NM
(234)
55
(406)
63
(94)
66
10
119
(10)
78
NM
(34%)
96%
42%
Net Credit Losses

(23)
(186)
(50)
(18)
(29)
(26)
40
(64)
(19)
(17)
(37)
(16)
(33)
(10)
5
(94%)
73%
NM
(43%)
95%
NM
(259)
(73)
(43)
(70)
(38)
46%
85%
(30)
(396)
(117)
(39)
(50)
(28%)
(67%)
Income Taxes
(13)
(141)
(43)
(189)
(52)
72%
(17)
(255)
(74)
150
Full
Year
2011
$
Full
Year
2012
(405)
952
547
293
1,068
(1,855)
(40)
(287)
(213)
29%
NM
(500)
326
NM
11%
(28)
(140)
(56)
NM
92%
(40%)
(224)
73%
1,081
(602)
NM
NM
485
(425)
NM
(99%)
NM
596
(177)
NM
108
(100%)
(177)
NM
Net Income (Loss)
(17)
(255)
(74)
150
(99%)
NM
41
36
32
28
21
(25%)
(49%)
(827)
FY 2012 vs.
FY 2011 Increase/
(Decrease)
488
NM Not meaningful
Page 31
AVERAGE BALANCES AND INTEREST RATES (1)(2)(3)(4)

Taxable Equivalent Basis
Fourth
Quarter
2011
In millions of dollars, except as otherwise noted

Assets:
Deposits with Banks
Fed Funds Sold and Resale Agreements (6)
Trading Account Assets (7)
Investments
Total Loans (net of Unearned Income) (8)
Other Interest-Earning Assets
Total Average Interest-Earning Assets
157,706
282,946
247,894
288,699
645,079
47,189
Average Volumes
Third
Quarter
2012
160,735
272,988
248,039
304,688
653,839
37,290
Fourth
Quarter
2012 (5)
149,682
268,023
256,932
302,792
649,571
39,124
Fourth
Quarter
2011
Interest
Third
Quarter
2012
Fourth
Quarter
2012 (5)
408
942
1,941
1,950
12,555
140
296
825
1,663
1,958
12,184
144
% Average Rate (4)

Third
Fourth
Quarter
Quarter
2012 (5)
2012
Fourth
Quarter
2011
275
748
1,834
1,960
11,928
166
1.03%
1.32%
3.11%
2.68%
7.72%
1.18%
0.73%
1.20%
2.67%
2.56%
7.41%
1.54%
0.73%
1.11%
2.84%
2.58%
7.31%
1.69%
$ 1,669,513
$ 1,677,579
$ 1,666,124
$ 17,936
$ 17,070
$ 16,911
4.26%
4.05%
4.04%
732,827
-
$ 1,726
358
1,622
290
$ 1,490
303
1.00%
0.87%
0.81%
Liabilities:
Deposits (excluding deposit insurance and FDIC Assessment)
Deposit Insurance and FDIC Assessment
Total Deposits
686,913
-
740,067
-
686,913
740,067
732,827
2,084
1,912
1,793
1.20%
1.03%
0.97%
223,817
76,437
116,647
318,756
221,356
69,934
109,825
257,317
229,608
67,623
104,969
235,024
731
65
157
2,675
713
46
173
2,172
656
39
163
1,973
1.30%
0.34%
0.53%
3.33%
1.28%
0.26%
0.63%
3.36%
1.14%
0.23%
0.62%
3.34%
$ 1,422,570
$ 1,398,499
$ 1,370,051
$ 5,712
5,016
$ 4,624
1.59%
1.43%
1.34%
$ 1,422,570
$ 1,398,499
$ 1,370,051
$ 5,354
4,726
$ 4,321
1.49%
1.34%
1.25%
Net Interest Revenue as a % of Average Interest-Earning Assets (NIM)
$ 12,224
$ 12,054
$ 12,287
2.90%
2.86%
2.93%
NIR as a % of Average Interest-Earning Assets (NIM) (excluding deposit insurance and FDIC Assessment)
$ 12,582
$ 12,344
$ 12,590
2.99%
2.93%
3.01%
Fed Funds Purchased and Repurchase Agreements (6)

Trading Account Liabilities (7)
Short-Term Borrowings
Long-Term Debt (9)
Total Average Interest-Bearing Liabilities
Total Average Interest-Bearing Liabilities
(excluding deposit insurance and FDIC Assessment)
(1)
4Q12 Increase (Decrease) From
3 bps
7 bps
4Q12 Increase (Decrease) (excluding deposit insurance and FDIC Assessment) From
2 bps
8 bps
Interest Revenue includes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $141 million for the fourth quarter of 2011,
$136 million for the third quarter of 2012 and $133 million for the fourth quarter of 2012.
Interest Expense includes the taxable equivalent adjustments (based on the U.S. federal statutory tax rate of 35%) of $0 million for the fourth quarter of 2011,
$5 million for the third quarter of 2012 and $4 million for the fourth quarter of 2012.
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
Citigroup average balances and interest rates include both domestic and international operations.
Monthly averages have been used by certain subsidiaries where daily averages are unavailable.
Average rate % is calculated as annualized interest over average volumes.
Preliminary.
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.
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.
Nonperforming loans are included in the average loan balances.
Excludes hybrid financial instruments with changes recorded in Principal Transactions.
Reclassified to conform to the current period's presentation and has been reclassified to exclude Discontinued Operations.
Page 32
EOP DEPOSITS
TOTAL CITIGROUP
(In billions of dollars)
4Q12 Increase
4Q
2011
1Q
2012
2Q
2012
3Q
2012
4Q
2012
(Decrease) from
3Q12
4Q11
Citicorp Deposits by Business

North America
EMEA
Latin America
Asia
149.0
12.1
44.3
109.7
153.5
12.8
46.1
110.7
153.2
12.6
45.8
112.5
156.8
12.9
47.3
113.1
165.2
13.2
48.6
110.0
5%
2%
3%
(3%)
11%
9%
10%
-
315.1
323.1
324.1
330.1
337.0
2%
7%
110.9
373.1
122.9
393.3
121.5
399.3
119.4
425.5
114.4
408.7
(4%)
(4%)
3%
10%
484.0
516.2
520.8
544.9
523.1
(4%)
8%
Corporate/Other
5.2
3.5
6.7
2.8
2.5
(11%)
(52%)
Total Citicorp
804.3
842.8
851.6
877.8
862.6
(2%)
7%
54.6
55.0
54.7
58.1
59.3
2%
9%
8.7
24%
Total
ICG
Total
Citi Holdings Deposits

7.0
8.2
8.0
8.7
Total Citi Holdings
61.6
63.2
62.7
66.8
68.0
2%
10%
Total Citigroup Deposits - EOP
865.9
906.0
914.3
944.6
930.6
(1%)
7%
Total Citigroup Deposits - Average
857.0
869.1
893.4
921.2
928.9
1%
8%
865.9
906.0
914.3
944.6
930.6
(1%)
7%
(2%)
7%
Total Citigroup EOP Deposits - as Reported
Total Citigroup EOP Deposits - Ex-FX (2)
7.7
$
873.6
(2.6)
$
903.4
8.4
$
922.7
0.2
$
944.8
930.6
Page 33
EOP LOANS - Page 1

CITICORP
4Q
2011
1Q
2012
2Q
2012
3Q
2012
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
Citicorp:
North America
Credit Cards
Retail Banking
Total
117.1
38.9
156.0
2.7
4.2
6.9
13.7
23.6
37.3
19.9
67.3
87.2
153.4
134.0
287.4
158.9
60.3
219.2
506.6
506.6
4.7
511.3
109.4
40.6
150.0
2.9
4.5
7.4
14.3
26.1
40.4
19.6
68.8
88.4
146.2
140.0
286.2
159.6
68.4
228.0
514.2
514.2
(0.8)
513.4
109.3
40.9
150.2
2.8
4.6
7.4
13.7
25.9
39.6
19.6
67.6
87.2
145.4
139.0
284.4
166.6
76.1
242.7
527.1
527.1
4.9
532.0
108.8
41.5
150.3
2.9
4.9
7.8
14.2
27.5
41.7
20.0
69.3
89.3
145.9
143.2
289.1
172.0
75.5
247.5
536.6
536.6
536.6
111.5
42.7
154.2
2%
3%
3%
(5%)
10%
(1%)
2.9
5.1
8.0
4%
3%
7%
21%
16%
14.8
28.3
43.1
4%
3%
3%
8%
20%
16%
20.4
69.7
90.1
2%
1%
1%
3%
4%
3%
149.6
145.8
295.4
3%
2%
2%
(2%)
9%
3%
168.7
75.6
244.3
(2%)
(1%)
6%
25%
11%
539.7
1%
7%
539.7
539.7
1%
7%
1%
6%
EMEA
Credit Cards
Retail Banking
Total
$
$
Latin America
Credit Cards
Retail Banking
Total
$
$
Asia
Credit Cards
Retail Banking
Total
$
$
Total Consumer Loans

Credit Cards
Retail Banking
Total Consumer
Total Corporate Loans
Total Corporate Loans
Total Citicorp
Total Citicorp EOP Loans - as Reported
Total Citicorp EOP Loans - Ex-FX (2)
$
$
Note: Certain small balance consumer loans included in the above lines are classified as Corporate Loans on the Consolidated
Balance Sheet.
Page 34
EOP LOANS - Page 2

CITI HOLDINGS AND TOTAL CITIGROUP
4Q
2011
1Q
2012
2Q
2012
3Q
2012
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
Citi Holdings:
Local Consumer Lending - North America
Real Estate Lending
All Other
Personal
Total
107.5
5.5
10.9
123.9
103.6
4.9
10.4
118.9
99.8
4.6
10.2
114.6
95.3
3.7
10.1
109.1
91.8
3.3
10.0
105.1
(4%)
(11%)
(1%)
(4%)
(15%)
(40%)
(8%)
(15%)
2.5
5.1
7.6
(4%)
(18%)
(14%)
(7%)
(37%)
(30%)
Local Consumer Lending - International

Credit Cards
Retail Banking
Total
$
$
Citi Holdings - Other (Primarily SAP)
2.7
8.1
10.8
$
$
$
$
2.6
6.2
8.8
3.1
(21%)
(47%)
140.6
133.8
127.9
121.8
115.8
(5%)
(18%)
Total Citigroup
647.2
648.0
655.0
658.4
655.5
1%
423.3
416.1
409.1
407.7
408.7
(3%)
246.8
(2%)
10%
647.2
648.0
655.0
658.4
655.5
1%
647.2
4.8
652.0
648.0
(1.0)
647.0
655.0
5.2
660.2
658.4
658.4
655.5
655.5
1%
1%
Corporate Loans
Total Citigroup EOP Loans - as Reported
Total Citigroup EOP Loans - Ex-FX (2)
223.9
4.0
Total Citigroup
4.7
2.6
6.7
9.3
Total Citi Holdings
Consumer Loans
5.9
2.7
7.5
10.2
231.9
3.9
245.9
250.7
Note: Certain small balance consumer loans included in the above lines are classified as Corporate Loans on the Consolidated
Balance Sheet.
Page 35
SUPPLEMENTAL DETAIL
CONSUMER LOANS 90+DAYS DELINQUENCY AMOUNTS AND RATIOS
BUSINESS VIEW
(In millions of dollars, except EOP loan amounts in billions of dollars)
4Q
2011
Citicorp (2)
Total
Ratio
Retail Bank (2)
Total
Ratio
North America (2)
Ratio
EMEA
Ratio
Latin America
Ratio
Asia
Ratio
Cards
Total
Ratio
North America - Citi-Branded
Ratio
North America - Retail Services
Ratio
EMEA
Ratio
Latin America
Ratio
Asia
Ratio
Citi Holdings - Local Consumer Lending (2) (3)
Ratio
International
Ratio
North America (2) (3)
Ratio
Total Citigroup (excluding Special Asset Pool) (2) (3)
Ratio
3,406
1.19%
$
$
1Q
2012
$
3,342
1.17%
769
0.58%
235
0.63%
59
1.40%
253
1.07%
222
0.33%
2,637
1.72%
1,016
1.32%
951
2.38%
44
1.63%
412
3.01%
214
1.08%
5,849
4.66%
422
3.91%
5,427
4.73%
$
$
$
$
$
$
$
$
$
$
$
9,255
2.25%
2Q
2012
$
3,090
1.09%
843
0.61%
260
0.66%
62
1.38%
276
1.06%
245
0.36%
2,499
1.71%
982
1.35%
845
2.30%
43
1.48%
405
2.83%
224
1.14%
5,648
4.70%
428
4.20%
5,220
4.75%
$
$
$
$
$
$
$
$
$
$
8,990
2.22%
3Q
2012
$
3,024
1.05%
869
0.63%
294
0.74%
49
1.07%
285
1.10%
241
0.36%
2,221
1.53%
830
1.14%
721
1.97%
43
1.54%
405
2.96%
222
1.13%
5,354
4.66%
363
3.90%
4,991
4.71%
$
$
$
$
$
$
$
$
$
$
8,444
2.12%
3,082
1.05%
882
0.62%
291
0.72%
50
1.02%
322
1.17%
219
0.32%
2,142
1.47%
760
1.05%
716
1.96%
45
1.55%
401
2.82%
220
1.10%
4,974
4.54%
$
$
$
$
$
$
$
$
$
$
EOP Loans
4Q
2012
4Q
2012
$
295.4
880
0.61%
145.8
280
0.68%
48
0.94%
324
1.14%
228
0.33%
42.7
5.1
28.3
69.7
2,202
1.47%
786
1.08%
721
1.87%
48
1.66%
413
2.79%
234
1.15%
149.6
72.9
38.6
366
4.16%
4,608
4.58%
7,998
2.01%
(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 RCB 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 North America Retail Consumer Banking on page 10 and Local Consumer Lending on page 30.
(3)
The December 31, 2011, March 31, 2012, June 30, 2012, September 30, 2012 and December 31, 2012 Loans 90+ Days Past Due and
$
$
$
$
$
$
$
$
2.9
14.8
20.4
4,611
4.42%
112.7
345
4.54%
4,266
4.41%
7.6
105.1
7,693
1.93%
408.1
Reclassified to conform to the current period's presentation
Page 36
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)
4Q
2011
1Q
2012
2Q
2012
3Q
2012
EOP Loans
4Q
2012
4Q
2012
Citicorp (2)
Total
Ratio
4,072
1.42%
3,726
1.31%
3,449
1.22%
3,539
1.23%
3,509
1.19%
295.4
Retail Bank (2)

Total
Ratio
1,040
0.78%
1,032
0.74%
1,049
0.76%
1,154
0.81%
1,112
0.77%
145.8
213
0.57%
94
2.24%
289
1.22%
444
0.66%
183
0.47%
92
2.04%
323
1.24%
434
0.63%
215
0.54%
78
1.70%
316
1.22%
440
0.65%
230
0.57%
79
1.61%
412
1.50%
433
0.62%
223
0.54%
77
1.51%
353
1.25%
459
0.66%
42.7
3,032
1.98%
1,078
1.40%
1,175
2.94%
59
2.19%
399
2.91%
321
1.61%
2,694
1.84%
887
1.22%
995
2.71%
65
2.24%
426
2.98%
321
1.64%
2,400
1.65%
744
1.02%
852
2.33%
61
2.18%
428
3.12%
315
1.61%
2,385
1.63%
744
1.03%
823
2.25%
68
2.34%
416
2.93%
334
1.67%
5,148
4.10%
4,598
3.83%
4,614
4.02%
4,753
4.34%
499
4.62%
4,649
4.05%
519
5.09%
4,079
3.71%
453
4.87%
4,161
3.93%
North America (2)

Ratio
EMEA
Ratio
Latin America
Ratio
Asia
Ratio
Cards
Total
Ratio
North America - Citi-Branded
Ratio
North America - Retail Services
Ratio
EMEA
Ratio
Latin America
Ratio
Asia
Ratio
Citi Holdings - Local Consumer Lending (2) (3)
Ratio
International
Ratio
Ratio
Total Citigroup (excluding Special Asset Pool) (2) (3)
Ratio
$
$
$
$
$
$
$
$
$
$
$
9,220
2.24%
$
$
$
$
$
$
$
$
$
$
8,324
2.06%
$
$
$
$
$
$
$
$
$
$
8,063
2.03%
$
$
$
$
$
$
$
$
$
$
5.1
28.3
69.7
2,397
1.60%
771
1.06%
789
2.04%
63
2.17%
432
2.92%
342
1.68%
149.6
72.9
38.6
436
4.95%
4,317
4.29%
8,292
2.09%
(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 RCB 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 North America Retail Consumer Banking on page 10 and Local Consumer Lending on page 30.
(3)
The December 31, 2011, March 31, 2012, June 30, 2012, September 30, 2012 and December 31, 2012 Loans 90+ Days Past Due and
$
$
$
$
$
$
$
$
2.9
14.8
20.4
4,228
4.05%
112.7
393
5.17%
3,835
3.96%
7.6
105.1
7,737
1.94%
408.1
Reclassified to conform to the current period's presentation
Page 37
ALLOWANCE FOR CREDIT LOSSES - PAGE 1

TOTAL CITIGROUP
4Q
2011
1Q
2012
2Q
2012
3Q
2012
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
Full
Year
2011
Full
Year
2012
FY 2012 vs.
FY 2011 Increase/
(Decrease)
Total Citigroup
Allowance for Loan Losses at Beginning of Period (1)
Gross Credit (Losses) (2)

Gross Recoveries
Net Credit (Losses) / Recoveries (NCLs)
NCLs (2) (3)
Net Reserve Builds / (Releases) (3) (4)
Net Specific Reserve Builds / (Releases) (2) (3)
Provision for Loan Losses
30,115
Total Allowance for Loan Losses as a Percentage of Total Loans (12)
25,916
(4,108)
(3,955)
(3,576)
(3,979)
(3,066)
4,108
3,955
3,576
3,979
3,066
1,136
Total Allowance for Loans, Leases and

Unfunded Lending Commitments [Sum of (a)]
(3,714)
648
30,115
27,611
(4,638)
659
(4,317)
741
(194)
(933)
(4)
31,251
(616)
(375)
2,828
(473)
Allowance for Unfunded Lending Commitments (11) (a)
29,020
(4,771)
816
2,644
(4,910)
802
(1,411)
(53)
Other (5) (6) (7) (8) (9) (10)

Allowance for Loan Losses at End of Period (1) (a)
32,052
2,585
32
$
29,020
1,097
$
$
4.69%
(38)
30,117
(868)
(600)
2,511
(418)
$
27,611
2,924
(227)
$
25,916
1,063
1,104
28,715
4.51%
(204)
62
4.25%
(41)
26,979
$
20%
(2%)
25,455
(17,440)
2,864
23%
25%
(20,038)
(14,576)
27%
(23%)
(25%)
20,038
14,576
(27%)
76%
NM
86%
NM
(8,434)
169
(1,882)
(1,846)
78%
NM
16%
11%
11,773
10,848
(8%)
(2,275)
$
30,115
25%
(8%)
(932)
$
25,455
1,119
1,119
1,136
56
51
26,574
31,251
3.97%
30,115
(23,164)
3,126
(319)
$
40,655
24%
(19%)
(16)
26,574
3.92%
Allowance for Loan Losses at End of Period (1):

Citicorp
Citi Holdings
Total Citigroup
16,699
13,416
$
30,115
16,306
12,714
$
29,020
15,387
12,224
$
27,611
14,828
14,623
25,455
11,088
$
25,916
10,832
(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 first quarter of 2012 includes approximately $370 million of incremental charge-offs of previously deferred principal balances on modified loans
(3)
The third quarter of 2012 includes approximately $635 million of incremental charge-offs related to Office of the Comptroller of the Currency (OCC)
(4)
The fourth quarter of 2011, first quarter of 2012, second quarter of 2012, third quarter of 2012 and fourth quarter of 2012 includes $(16) million, $60
(5)
Includes all adjustments to the allowance for credit losses, such as changes in the allowance from acquisitions, securitizations, foreign currency translation,
purchase accounting adjustments, etc.
(6)
The fourth quarter of 2011 includes a reduction of approximately $325 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios
and a reduction of approximately $72 million related to the transfer of Citi Belgium to held-for-sale.
(7)
The first quarter of 2012 includes a reduction of approximately $145 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.
(8)
The second quarter of 2012 includes a reduction of approximately $175 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios
and a reduction of approximately $200 million related to foreign currency translation.
(9)
The third quarter of 2012 includes a reduction of approximately $300 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.
(10) The fourth quarter of 2012 includes a reduction of approximately $255 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.
(11) Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.
(12) December 31, 2011, March 31, 2012, June 30, 2012, September 30, 2012 and December 31, 2012, excludes $5.3 billion, $4.7 billion, $5.1 billion,
$5.4 billion and $5.3 billion, respectively, of loans which are carried at fair value.
NM Not meaningful
Page 38

TOTAL CITIGROUP
4Q
2011
1Q
2012
2Q
2012
Full
Year
2011
4Q12 Increase
(Decrease) from
3Q12
4Q11
3Q
2012
4Q
2012
$ 24,639
$ 23,099
Full
Year
2012
FY 2012 vs.
FY 2011 Increase/
(Decrease)
Total Citigroup Consumer Loans

Allowance for Loan Losses at Beginning of Period (1)
Net Credit (Losses) / Recoveries (NCLs)

NCLs (2) (3)
Net Reserve Builds / (Releases) (3) (4)
Net Specific Reserve Builds / (Releases) (2) (3)
27,236
25,963
35,406
$ 27,236
(4,038)
(3,422)
(3,862)
(3,031)
22%
24%
(18,424)
(14,353)
22%
4,038
3,422
3,862
3,031
(22%)
(24%)
18,424
14,353
(22%)
85%
NM
89%
(3%)
(7,351)
1,439
(1,884)
(1,708)
74%
NM
14%
5%
12,512
10,761
(14%)
NM
NM
(2,258)
(348)
(929)
27,236
3
(539)
(384)
2,761
(463)
$
25,963
24,639
$
$
$
-

Unfunded Lending Commitments [Sum of (a)]
27,239
25,965
24,641
6.26%
(128)
30
2,568
(401)
Consumer Allowance for Unfunded Lending Commitments (11) (a)
6.45%
(869)
(425)
2,499
Consumer Allowance for Loan Losses as a

Percentage of Total Consumer Loans (12)
3,965
2,798
(3,965)
(1,198)
31
Other (5) (6) (7) (8) (9) (10)

Allowance for Loan Losses at End of Period (1) (a)
28,866
2,933
(246)
$ 23,099
(322)
$ 22,679
(1)
$ 23,100
6.04%
2
-
$ 22,681
5.68%
27,236
(965)
57%
$ 22,679
(1)
27,239
$ 22,681
5.57%
Total Citigroup Corporate Loans

Allowance for Loan Losses at Beginning of Period
Net Credit (Losses) / Recoveries (NCL's)
3,186
2,879
3,057
2,972
2,817
5,249
2,879
(143)
83
(154)
(117)
(35)
70%
76%
(1,614)
(223)
86%
NCLs
Net Reserve Builds / (Releases)
Net Specific Reserve Builds / (Releases)
143
(213)
(84)
(83)
154
(4)
154
(77)
9
117
1
(175)
35
(76)
32
(70%)
NM
NM
(76%)
64%
NM
1,614
(1,083)
(1,270)
223
2
(138)
(86%)
100%
89%

Other (5)
(154)
(10)
67
28
86
(17)
(57)
19
(9)
3
84%
94%
87
33
NM
(739)
(17)
Allowance for Loan Losses at End of Period (1) (b)
2,879
3,057
2,972
2,817
2,776
2,879
2,776
Corporate Allowance for Unfunded Lending Commitments (11) (b)
1,133
1,095
1,102
1,062
1,117
1,133
1,117
56
46

Unfunded Lending Commitments [Sum of (b)]
4,074
3,893
4,012
Corporate Allowance for Loan Losses as a

Percentage of Total Corporate Loans (13)
(4)
4,012
1.31%
$
$
(38)
4,152
1.34%
1.23%
(40)
3,879
1.14%
(15)
3,893
1.14%
Notes to these tables are on the following page (page 40).
Page 39

TOTAL CITIGROUP
The following notes relate to the tables on the prior page (page 39).
(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)
See Note (2) on page 38.
(3)
See Note (3) on page 38.
(4)
The fourth quarter of 2011, first quarter of 2012, second quarter of 2012, third quarter of 2012 and fourth quarter of 2012 includes $(16) million, $60
(5)
Includes all adjustments to the allowance for credit losses, such as changes in the allowance from acquisitions, securitizations, foreign currency translation,
purchase accounting adjustments, etc.
(6)
The fourth quarter of 2011 includes a reduction of approximately $325 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios
and a reduction of approximately $72 million related to the transfer of Citi Belgium to held-for-sale.
(7)
The first quarter of 2012 includes a reduction of approximately $145 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.
(8)
The second quarter of 2012 includes a reduction of approximately $175 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios and a
reduction of approximately $203 million related to foreign currency translation.
(9)
The third quarter of 2012 includes a reduction of approximately $300 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.
(10) The fourth quarter of 2012 includes a reduction of approximately $255 million related to the sale or transfers to held-for-sale of various U.S. loan portfolios.
(11) Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.
(12) December 31, 2011, March 31, 2012, June 30, 2012, September 30, 2012 and December 31, 2012 excludes
$1.3 billion, $1.3 billion, $1.3 billion, $1.3 billion and $1.2 billion, respectively, of Loans which are carried at fair value.
(13) December 31, 2011, March 31, 2012, June 30, 2012, September 30, 2012 and December 31, 2012 excludes
$3.9 billion, $3.4 billion, $3.8 billion, $4.1 billion and $4.1 billion, respectively, of loans which are carried at fair value.
NM Not meaningful
Page 40
COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 1

CITICORP
4Q
2011
Citicorp
Net Credit Losses

Net Credit Losses
North America Regional Consumer Banking
Net Credit Losses
Retail Banking
Net Credit Losses
Citi-Branded Cards
Net Credit Losses
Net Credit Losses
2,596
(852)
Institutional Clients Group (ICG)

Net Credit Losses
Net Credit Losses
Net Credit Losses
Corporate / Other
Net Credit Losses
$
2Q
2012
2,221
(577)
3Q
2012
2,247
(741)
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
2,172
(671)
2,094
(188)
(4%)
72%
(19%)
78%
Full
Year
2011
Full
Year
2012
11,462
(4,988)
FY 2012 vs.
FY 2011 Increase/
(Decrease)
8,734
(2,177)
(24%)
56%
2,423
(713)
2,278
(734)
2,124
(728)
2,030
(522)
2,020
(147)
0%
72%
(17%)
79%
10,840
(4,429)
8,452
(2,131)
(22%)
52%
1,739
(785)
1,629
(841)
1,511
(814)
1,351
(519)
1,265
(215)
(6%)
59%
(27%)
73%
8,101
(4,181)
5,756
(2,389)
(29%)
43%
62
(2)
62
(5)
986
(678)
902
(549)
683
(112)
70
5
EMEA Regional Consumer Banking

Net Credit Losses
Retail Banking
Net Credit Losses
Citi-Branded Cards
Net Credit Losses
Latin America Regional Consumer Banking
Net Credit Losses
Retail Banking
Net Credit Losses
Citi-Branded Cards
Net Credit Losses
Asia Regional Consumer Banking
Net Credit Losses
Retail Banking
Net Credit Losses
Citi-Branded Cards
Net Credit Losses
Total Citicorp Provision for Loan Losses
1Q
2012
72
37
51
45
(29%)
22%
(27%)
NM
840
(405)
745
(403)
700
(240)
(6%)
40%
(29%)
65%
4,668
(2,727)
3,187
(1,597)
(32%)
41%
665
(290)
609
(404)
534
(153)
514
(20)
(4%)
87%
(25%)
82%
3,131
(1,477)
2,322
(867)
(26%)
41%
28
3
29
(5)
14
(13)
29
2
33
11
14%
NM
18%
NM
172
(118)
105
(5)
(39%)
96%
12
6
12
2
7
(9)
12
15
5
25%
-
25%
(17%)
87
(55)
46
(2)
(47%)
96%
16
(3)
17
(7)
7
(4)
17
2
18
6
6%
NM
13%
NM
85
(63)
59
(3)
(31%)
95%
302
23
247
75
(18%)
NM
446
38
430
113
400
120
433
29
487
37
12%
28%
9%
(3%)
1,684
(67)
142
16
143
87
135
75
160
37
210
27
31%
(27%)
48%
69%
475
46
304
22
287
26
265
45
273
(8)
277
10
1%
NM
(9%)
(55%)
1,209
(113)
210
31
190
(1)
199
(21)
217
(34)
235
20
8%
NM
12%
(35%)
883
(63)
841
(36)
(5%)
43%
85
26
65
12
72
4
81
(36)
22%
92%
16%
NM
326
(3)
317
(23)
(3%)
NM
125
5
125
(13)
127
(25)
136
2
136
23
NM
9%
NM
557
(60)
524
(13)
(6%)
78%
172
(138)
(58)
158
122
(13)
143
(149)
75
(41)
(48%)
72%
(56%)
70%
619
(556)
282
(45)
(54%)
92%
178
(145)
(60)
135
97
(64)
56
(103)
75
(47)
34%
54%
(58%)
68%
602
(572)
168
(79)
(72%)
86%
(6)
7
2
23
25
51
87
(46)
(100%)
NM
100%
(14%)
17
16
114
34
NM
NM
1
(1)
1
(1)
NM
100%
3
(3)
1,906
27%
9%
1,744
1,644
1,506
(1)
99
(3)
(1)
1,501
6,474
1,750
299
4%
NM
648
226
36%
NM
1,102
73
(9%)
NM
(1)
$
6,557
(100%)
67%
1%
NM Not meaningful
Page 41
COMPONENTS OF PROVISION FOR LOAN LOSSES - PAGE 2

CITI HOLDINGS / TOTAL CITIGROUP
4Q
2011
Citi Holdings
Net Credit Losses

Net Credit Losses
Net Credit Losses
Special Asset Pool
Net Credit Losses
1,512
(612)
1Q
2012
$
2Q
2012
1,734
(550)
1,535
(426)
(23)
(186)
1,329
(250)
3Q
2012
$
1,807
(797)
Full
Year
2011
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
972
46
(46%)
NM
(36%)
NM
Full
Year
2012
8,576
(3,277)
FY 2012 vs.
FY 2011 Increase/
(Decrease)
5,842
(1,551)
(32%)
53%
4
(3)
(1)
(100%)
67%
(22%)
1%
1,752
(520)
1,289
(186)
1,824
(760)
1,005
56
(45%)
NM
(35%)
NM
7,504
(1,419)
5,870
(1,410)
(18)
(29)
40
(64)
(17)
(37)
(94%)
73%
(43%)
95%
1,068
(1,855)
(28)
(140)
(1)
(33)
(10)
NM
92%
Total Citi Holdings Provision for Loan Losses
900
1,184
1,079
1,010
1,018
1%
13%
5,299
4,291
(19%)
Total Citicorp Provision for Loan Losses (from prior page)
1,744
1,644
1,506
1,501
1,906
27%
9%
6,474
6,557
1%
Total Citigroup Provision for Loan Losses
2,644
2,828
2,585
2,511
2,924
16%
11%
11,773
10,848
(8%)
NM Not meaningful
Page 42
NON-ACCRUAL ASSETS - PAGE 1

TOTAL CITIGROUP
4Q
2011
Non-Accrual Loans (1)
Corporate Non-Accrual Loans By Region (2)
North America
EMEA
Latin America
Asia
Total
Consumer Non-Accrual Loans By Region (2)
EMEA
Latin America
Asia
Total (3)
1Q
2012
1,246
1,293
362
335
3,236
5,888
387
1,107
450
7,832
2Q
2012
1,017
1,194
263
499
2,973
6,519
397
1,178
474
8,568
3Q
2012
724
1,169
209
469
2,571
6,403
371
1,158
414
8,346
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
900
1,054
151
324
2,429
7,698
379
1,275
409
9,761
735
1,131
128
339
2,333
(18%)
7%
(15%)
5%
(4%)
(41%)
(13%)
(65%)
1%
(28%)
7,148
380
1,285
383
9,196
(7%)
1%
(6%)
(6%)
21%
(2%)
16%
(15%)
17%
OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS

ICG
Special Asset Pool
Corporate/Other
23
48
393
87
15
7
41
356
162
14
12
35
329
155
10
9
38
326
91
10
7
40
309
82
2
(22%)
5%
(5%)
(10%)
(80%)
(70%)
(17%)
(21%)
(6%)
(87%)
TOTAL OTHER REAL ESTATE OWNED (OREO) (5)
566
580
541
474
440
(7%)
(22%)
315
111
48
474
366
127
48
541
392
139
48
1
580
441
73
51
1
566
299
99
40
2
440
(5%)
(11%)
(17%)
(7%)
(32%)
36%
(22%)
100%
(22%)
3,236
7,832
2,973
8,568
2,571
8,346
2,429
9,761
2,333
9,196
(4%)
(6%)
(28%)
17%
OREO By Region:
North America
EMEA
Latin America
Asia
Total
Other Repossessed Assets (6)
Non-Accrual Assets (NAA) (7)
Corporate Non-Accrual Loans
Consumer Non-Accrual Loans
Non-Accrual Loans (NAL)
OREO
Other Repossessed Assets
Non-Accrual Assets (NAA)
11,068
11,541
10,917
12,190
11,529
(5%)
4%
566
1
580
1
541
2
474
1
440
1
(7%)
-
(22%)
-
12,122
$ 11,460
$ 12,665
11,970
(5%)
3%
11,635
NAL as a % of Total Loans

NAA as a % of Total Assets
1.71%
0.62%
1.78%
0.62%
1.67%
0.60%
1.85%
0.66%
1.76%
0.64%
Allowance for Loan Losses as a % of NAL
272%
251%
253%
213%
221%
(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) Excludes SOP 3-03 purchased distressed loans.
(3) The first quarter of 2012 increase in non-accrual consumer loans in North America was attributable to an $0.8 billion reclassification from accrual to non-accrual
status of home equity loans where the related residential first mortgage was delinquent. Of the $0.8 billion of home equity loans, $0.7 billion was current and
$0.1 billion was 30 to 89 days past due as of March 31, 2012. This reclassification reflected regulatory guidance that was issued on January 31, 2012.
(4) The third quarter of 2012 includes an approximately $1.5 billion in loans that are now classified as non-accrual loans related to OCC guidance
which required mortgage loans to borrowers that have gone through Chapter 7 of the U.S. Bankruptcy Code to be written down to collateral value. Of the $1.5 billion
of such non-accrual loans, $1.3 billion was current as of September 30, 2012. See Note 3 on page 38.
(5) Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral.
(6) Primarily transportation equipment, carried at lower of cost or fair value, less costs to sell.
(7) There is no industry-wide definition of non-accrual assets. As such, analysis against the industry is not always comparable.
Page 43

CITICORP
4Q
2011
North America
EMEA
Latin America
Asia
Total
North America
EMEA
Latin America
Asia
Total
1Q
2012
921
694
294
308
2,217
345
84
1,061
311
1,801
2Q
2012
790
748
203
472
2,213
390
94
1,130
348
1,962
3Q
2012
569
804
193
448
2,014
450
88
1,110
338
1,986
4Q12 Increase
(Decrease) from
3Q12
4Q11
4Q
2012
758
718
147
305
1,928
507
98
1,228
329
2,162
644
806
126
333
1,909
(15%)
12%
(14%)
9%
(1%)
(30%)
16%
(57%)
8%
(14%)
523
101
1,244
319
2,187
3%
3%
1%
(3%)
1%
52%
20%
17%
3%
21%

ICG
23
48
7
41
12
35
9
38
7
40
(22%)
5%
(70%)
(17%)
71
48
47
47
47
(34%)
30
9
31
1
71
15
5
27
1
48
12
9
26
47
13
6
28
47
16
6
23
2
47
23%
(18%)
-
(47%)
(33%)
(26%)
100%
(34%)
1,909
2,187
(1%)
1%
(14%)
21%
0%
2%
(34%)
0%
1%
OREO By Region:
North America
EMEA
Latin America
Asia
Total
N/A
N/A
N/A
N/A
N/A


OREO
2,217
1,801
2,213
1,962
2,014
1,986
1,928
2,162
4,018
4,175
4,000
4,090
4,096
71
N/A
48
N/A
47
N/A
47
N/A
47
N/A
4,089
4,223
4,047
4,137
4,143
0.25%
0.24%
0.23%
0.24%
0.24%
416%
391%
385%
363%
357%
N/A Not Available at the Citicorp level. See "Non-Accrual Assets - Page 1" (on page 43) for total Citigroup balances.
credit card loans.
(2)
(3)
(4)
(5)
Excludes SOP 3-03 purchased distressed loans.

Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral.
Primarily transportation equipment, carried at lower of cost or fair value, less costs to sell.
There is no industry-wide definition of non-accrual assets. As such, analysis against the industry is not always comparable.
Page 44

CITI HOLDINGS
4Q
2011
North America
EMEA
Latin America
Asia
Total
EMEA
Latin America
Asia
Total (3)
1Q
2012
325
599
68
27
1,019
5,543
303
46
139
6,031
2Q
2012
227
446
60
27
760
6,129
303
48
126
6,606
3Q
2012
155
365
16
21
557
5,953
283
48
76
6,360
4Q
2012
142
336
4
19
501
7,191
281
47
80
7,599
4Q12 Increase
(Decrease) from
3Q12
4Q11
91
325
2
6
424
(36%)
(3%)
(50%)
(68%)
(15%)
(72%)
(46%)
(97%)
(78%)
(58%)
6,625
279
41
64
7,009
(8%)
(1%)
(13%)
(20%)
(8%)
20%
(8%)
(11%)
(54%)
16%

Special Asset Pool
393
87
356
162
329
155
326
91
309
82
(5%)
(10%)
(21%)
(6%)
480
518
484
417
391
(6%)
(19%)
396
64
20
480
363
134
21
518
344
118
22
484
292
105
20
417
281
93
17
391
(4%)
(11%)
(15%)
(6%)
(29%)
45%
(15%)
(19%)
424
7,009
(15%)
(8%)
(58%)
16%
OREO By Region:
North America
EMEA
Latin America
Asia
Total
N/A
N/A
N/A
N/A
N/A


OREO
1,019
6,031
760
6,606
557
6,360
501
7,599
7,050
7,366
6,917
8,100
7,433
(8%)
5%
480
N/A
518
N/A
484
N/A
417
N/A
391
N/A
(6%)
(19%)
7,824
(8%)
4%
7,530
7,884
7,401
8,517
3.35%
3.77%
3.87%
4.98%
5.02%
190%
173%
177%
137%
146%
N/A Not Available at the Citi Holdings level. See "Non-Accrual Assets - Page 1" (on page 43) for total Citigroup balances.
credit card loans.
(2)
(3)
(4)
(5)
(6)
(7)
Excludes SOP 3-03 purchased distressed loans.

See Note 3 on page 43.
See Note 4 on page 43.
Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral.
Primarily transportation equipment, carried at lower of cost or fair value, less costs to sell.
There is no industry-wide definition of non-accrual assets. As such, analysis against the industry is not always comparable.
Page 45
CITIGROUP
NON-GAAP FINANCIAL MEASURES - RECONCILIATIONS
Tangible Book Value Per Share and Tangible Common Equity (TCE) (and related ratios) are non-GAAP financial measures. TCE, as defined by
Citigroup, represents Common equity less goodwill and intangible assets (excluding MSRs) net of the related deferred taxes. Other companies
may calculate TCE in a manner different from Citigroup. A reconciliation of Citigroups total stockholders equity to TCE and Tangible Book Value
per Share follows:
4Q
2011
1Q
2012
2Q
2012
3Q
2012
4Q
2012
Tangible Book Value Per Share (page 1):

Total Common Equity
Less:
Goodwill
Intangible Assets (Other than MSRs)
$ 177,494
25,413
6,600
181,508
$ 183,599
25,810
6,413
25,483
6,156
186,465
186,487
25,915
5,963
25,673
5,697
37
32
Goodwill and Intangible Assets (Other than MSRs)

Related to Assets For Discontinued Operations Held-for-Sale
Net Deferred Taxes - Related to Goodwill and Intangible Assets Above
Tangible Common Equity
44
$ 145,437
Common Shares Outstanding, at period end

Tangible Book Value Per Share
2,923.9
$
49.74
41
38
149,244
$ 151,922
2,932.2
$
50.90
35
$
2,932.5
$
51.81
154,515
32
$
2,932.5
$
52.69
155,053
3,028.9
51.19
Page 46

Citigroup Q4 2012 Financial Supplement

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CITIGROUP - QUARTERLY FINANCIAL DATA SUPPLEMENT

Components of Provision for Loan Losses

Reconciliation of Non-GAAP Financial Measures

CITIGROUP -- FINANCIAL SUMMARY

Income from Continuing Operations before Income Taxes

Citigroup's Net Income

Net Income before Noncontrolling Interests

Diluted Earnings Per Share:

Preferred Dividends - Basic

Income Allocated to Unrestricted Common Shareholders - Basic

Income Allocated to Unrestricted Common Shareholders - Diluted

CITIGROUP CONSOLIDATED STATEMENT OF INCOME

Commissions and fees

Provisions for Credit Losses and for Benefits and Claims

Income from Continuing Operations

Discontinued Operations (3)

Net Income before Noncontrolling Interests

Income from Continuing Operations before

Net Income attributable to noncontrolling interests

Discontinued operations primarily includes:

CITIGROUP CONSOLIDATED BALANCE SHEET

Non-interest-bearing deposits in offices outside the U.S.

Total Common Equity

Total Citigroup stockholders' equity

Securities and Banking

Local Consumer Lending

Total Citigroup - Net Revenues

Income from Continuing Operations:

Securities and Banking

Income From Continuing Operations

Citigroup's Net Income

Provisions for Credit Losses and for Benefits and Claims

Income (loss) from Discontinued Operations, net of taxes

Citicorp's Net Income

Provision for income taxes

Balance Sheet Data (in billions of dollars):

Return on Average Assets

Total EOP Loans

Total EOP Deposits

Includes the results of operations of Corporate/Other for all periods presented.

Total Revenues, Net of Interest Expense

Provision for Loan Losses and for Benefits and Claims

Income from Continuing Operations before Taxes

Income from Continuing Operations

Net Credit Losses

Average Assets (in billions of dollars)

Net Credit Losses as a % of Average Loans

Net Credit Losses by Business

Total Revenues - Ex-FX (3)

Total Operating Expenses - as Reported

Impact of FX Translation (2)

Total Operating Expenses - Ex-FX (3)

Total Provisions for LLR & PBC - as Reported

Impact of FX Translation (2)

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

Net Interest Revenue (in millions) (1)

Net Credit Losses (in millions)

Loans 90+ Days Past Due (in millions) (2)

Loans 30-89 Days Past Due (in millions) (2)