You are on page 1of 47

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:
Income from Continuing Operations
Citigroup's Net Income
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
Income from Continuing Operations
Citigroup's Net Income

$
$

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
Income from Continuing Operations
Citigroup's Net Income

$
$

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) Citi’s 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)

Income from Continuing Operations

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
Provision (benefits) for income taxes

Net Income attributable to noncontrolling interests
Citigroup's Net Income
(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
Reclassified to conform to the current period's presentation.

Page 2

CITIGROUP CONSOLIDATED BALANCE SHEET
(In millions of dollars)

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
Reclassified to conform to the current period's presentation.

Page 3

391 1.713 2.203 (19%) (11%) 27% (2%) Total Transaction Services 3.221 2.558 9.366 (500) (20%) NM 1.576 1. excluding monolines).348 1.417 3. FY 2011 Increase/ (Decrease) 20. net of hedges.532 (3%) 6% 72.082 71.797 2.219 579 736 1.174 19.406 18. Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.441 1.Net Revenues .214 5% (3%) 2% (1%) 3% Securities and Banking North America EMEA Latin America Asia 660 1.649 2% 2% (1%) (5%) - 5% 3% 8% (8%) 1% 2.195 $ 21.503 (10%) NM (5%) Included.343 705 854 (3%) (11%) (12%) (16%) NM 10% 22% 16% 7. and debt valuation adjustments (DVA) on Citigroup's fair value option debt (1) (40) (1.293 (10%) 34% 21.807 623 867 447 721 2.641 (76) 17.804) NM 49% 282 (4.718 (46) (1) (2) $ 17.218 1.992 10.104 10 1.173 (2.658 635 885 444 685 2.086 18.214 $ 20.564 3.690) 1.520 1.702 7.167 348 2.370 4.CITIGROUP SEGMENT DETAIL NET REVENUE (In millions of dollars) 4Q 2011 CITICORP Global Consumer Banking North America EMEA Latin America Asia Total $ 1Q 2012 5.014 2Q 2012 $ 3Q 2012 5.579 2.770 4.020 9.997 10.198 378 2.115 87 (4. Page 4 .405 4.609 757 1.005 (10) (9%) NM (21%) 96% 5.350 2.Excluding CVA/DVA (2) 33 17.547 70.288) Total Citigroup .511 802 1.019 4.659 1.249 (1%) 3% 4% 1% 1% 3% 12% 7% (1%) 4% Full Year 2011 $ Full Year 2012 FY 2012 vs. in Citicorp-Securities and Banking and Citi Holdings-Special Asset Pool lines above.694 219 $ 18.915 40.857 5% 3% 5% (1%) 3% Corporate / Other 383 500 NM NM 885 192 (78%) 16.402 381 2. as applicable.322 1.113 1.486 1.642 13.743 (8%) North America EMEA Latin America Asia Total 605 858 413 748 2.423 (776) $ 14.135 366 2.439 1.059 NM (3%) 6.009 39.274 6.771 $ 5.885 $ 5.Net Revenues (265) 17.920 10.018 1.174 30% 6% 78.954 755 1.353 38% NM 27% 8% Credit valuation adjustment (CVA) on derivatives (counterparty and own-credit.423 19.180 $ 4Q 2012 4Q12 Increase (Decrease) from 3Q12 4Q11 5.330) $ 72.104 6.444 3.326 (406) 931 (94) 1.159 1.699) NM 1.951 18.194 5.275 5.516 9.279 (234) 1.271 (833) NM 17.806 $ 76.743 665 930 455 757 2.346 391 2.558 7.926 1.419 1.081 1.727 64 (485) $ 18.088 874 924 (3.624 641 894 451 757 2. NM Not meaningful Reclassified to conform to the current period's presentation.006 (1%) Total Citicorp CITI HOLDINGS Brokerage and Asset Management 43 Local Consumer Lending Special Asset Pool Total Citi Holdings Total Citigroup .948 9.442 547 4.978 10.469 8.936 10.

045) 2 (51%) (99%) 13% NM (4.946 524 $ 468 $ $ 11.495 (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 1.067 $ 7.196 NM 25% 2.541 (32%) NM Not meaningful Reclassified to conform to the current period's presentation.349 Transaction Services 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% 2.164 $ 1.987 (5) 42 $ 4.317 (7) 375 503 2.044 2.024) (919) (3.104 18% NM (4%) (6%) 6% Securities and Banking 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 1.510 1.055) 70% 20% (4.011 1.578 1.300 10 405 449 2.312 CITI HOLDINGS Brokerage and Asset Management Local Consumer Lending Special Asset Pool Total Citi Holdings 2.130 639 1.206 14.308 822 (3%) (32%) 34% (8%) (134) 1.086 4% NM (93) Income From Continuing Operations Citigroup's Net Income 3.103 7.193) (177) 28% NM (1.314) (1.000 974 895 1.289 1.428 1. Page 5 .127 13% 10% 2% (3%) 3.913 4.469 (5%) (136) (24) (3.244 654 1.906 3.336 11.196 17 329 448 1.562) (1.062 956 2.625) (1.990 $ 1.086 (728) 126 $ 2.904 7.931 $ NM 34% (1) (31) (112) NM - 112 (149) NM 40 25 28 12% (33%) 148 219 48% 1.CITIGROUP SEGMENT DETAIL INCOME (In millions of dollars) 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.815 (18) 1.720 $ 1.002 (38) 401 397 1.103) (6.909 (29%) 998 - 3.762 (23%) NM (1%) (12%) (19%) 6% NM 8% (3%) 2% $ 4.797 8.095 95 1. FY 2011 Increase/ (Decrease) Income from Continuing Operations: CITICORP Global Consumer Banking North America EMEA Latin America Asia Total $ 944 (4) 370 410 1.495 (1.354 1.190) NM (633) (255) (821) (74) (694) 150 (1.560) (60%) 1.413) 596 (3.391 15.188 $ 1.672 $ 4.131 647 (43%) NM 4.204) (17) Discontinued Operations Net Income Attributable to Noncontrolling Interests 4.018) (12) 100% 87% (286) (3.165 470 1.

104 (8%) 3.744 46 47 1.246 7.251 (44%) (1%) 15.596 (852) Provision for income taxes Income from Continuing Operations 1Q 2012 124 $ 3.469 45.908 (9%) 1.656 1.93% 0.221 (577) Income (loss) from Discontinued Operations.54% 0.866 $ 4.906 4.980 71.289 $ 14.833 1% 22% (57%) 1% 11% 8% 44.115 2% (13%) (3%) 3% 15% 6% Full Year 2011 $ 44.006 1% (5%) (1%) 2.206 14.684 0. FY 2011 Increase/ (Decrease) $ 45.988) 8.030 12.318 72.021 27% (2%) NM 31% 9% 39% 9% 10% 6.086 $ 11.689 $ 1.100 2.735 $ 1.265 2% 11.030 $ $ NM Balance Sheet Data (in billions of dollars): Total EOP Assets $ 1.312 - Noncontrolling interests 2.086 2.82% Includes the results of operations of Corporate/Other for all periods presented.086 3.286 18.094 (188) (4%) 72% (19%) 78% 11.247 (741) 2.240 4.648 4. net of interest expense $ Provisions for Credit Losses and for Benefits and Claims Net credit losses Credit reserve build / (release) Provision for loan losses Provision for benefits & claims Provision for unfunded lending commitments Total provisions for credit losses and for benefits and claims Total operating expenses Income from Continuing Operations before Income Taxes 11.725 $ 1.082 Full Year 2012 FY 2012 vs.957 $ (41%) 3% (1) (31) (112) NM - 112 (149) 39 25 28 12% (32%) 29 216 NM 2.760 $ 1.706 17.725 $ 1.739 1% 4% Return on Average Assets 0.356 11.897 11.837 1. except as otherwise noted) 4Q 2011 Revenues Net interest revenue Non-interest revenue Total revenues.532 3Q 2012 2.690 1.906 64 51 2.592 17.541 1.856 (44%) (1%) 20.172 (671) 2.501 65 (25) 1.893 581 2.51% 1.026 25.717 2% 0.94% 0.641 $ 11.506 49 26 1.91% 0.709 (3%) 4% Average Assets $ 1.245 6.675 $ 1. NM Not meaningful Reclassified to conform to the current period's presentation.734 (2.271 10.649 $ 1.854 18.759 6.644 58 (12) 1.764 27.238 5.523 5.462 (4. Page 6 .396 17.177) (24%) 56% 1.714 $ 1.742 5.439 (21%) 4.391 15.474 193 92 6.469 (5%) (5) 41 $ 11.846 16.334 984 465 (53%) (20%) 5.240 5.CITICORP (1) STATEMENT OF INCOME AND BALANCE SHEET DATA (In millions of dollars.718 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 $ 11.91% Total EOP Loans $ 507 $ 514 $ 527 $ 537 $ 540 1% 7% Total EOP Deposits $ 804 $ 843 $ 852 $ 878 $ 863 (2%) 7% (1) $ $ 1.070 2.581 1. net of taxes Citicorp's Net Income $ 2Q 2012 2.012 6.557 236 40 6.

907 1% 10% 4% 6% 72% (100%) (2%) (17%) 79% 42% 2.124 (728) 50 Full Year 2011 4Q12 Increase (Decrease) from 3Q12 4Q11 Net Credit Losses Credit Reserve Build / (Release) Provision for Unfunded Lending Commitments Provision for Benefits & Claims Income Taxes 2.CITICORP GLOBAL CONSUMER BANKING Page 1 (In millions of dollars.408 $ 21.149 $ 2.04% $ 387 2.446 $ 1.09% 3% (1%) 2% 10% (1%) $ 16.022 1.19% 3.583 $ 4.566 $ 5.990 $ 2.460 $ 1.762 (18%) 2% $ 7.020 (147) 64 $ 29.720 $ 2.574 $ 1.720 (2) 2.030 $ 2.180 5.446 1.488 $ 40.249 Total Operating Expenses .907 (742) - - 3% $ 38.518 5.601 $ 1.552 3.164 $ 1.460 $ 9.771 $ 10.124 $ 2.349 $ 5.118 18% (1%) $ 1.as Reported $ 1.313 7.278 $ 2.155 10% (3%) 1% 4% $ 39.376 $ 788 1.as Reported Impact of FX Translation (2) 19 (101) $ 10.913 $ 9.78% 2% 4% $ 376 2.840 (4.014 5.80% $ 384 2.645 15% (4%) 21% (22%) $ 1.398 22.143 $ 5.S.771 $ 10.020 - (17%) $ 10.405 (25%) (6%) 11.258 7.014 $ 9.991 $ 2.214 4% 10% 6% $ 21.650 $ 1.597 5.210 $ 5.496 $ 4.135 $ 812 1.188 $ 1. Dollars at the current exchange rate for all periods presented.015 1.672 - 8.164 3 1.187 $ 1.217 2.937 23% 10% $ 6.214 21. except as otherwise noted) 4Q 2011 Net Interest Revenue Non-Interest Revenue $ Total Revenues.as Reported $ 5.509 3.131) 237 (22%) 52% (100%) 23% 2.377 $ Total $ 9.161 $ 1.885 $ 10.210 $ 10.819 3% 2% 10.785 $ 10.762 (19%) 2% $ 7.408 40.389 2.22% $ 394 1.737 $ 4.44% 3.705 $ 375 1.990 (1) 2.104 3 6% - Income from Continuing Operations Noncontrolling Interests 2.02% 2.395 2.012 3.278 (734) (1) 58 4Q 2012 Net Income $ 1.578 $ 1.214 3% 80 30 4.897 $ 21.203 3.373 2.195 $ 40.986 5.837 6% 832 1.180 $ 10.558 (1%) Income from Continuing Operations before Taxes 2.181 11.578 7.195 $ 40.606 6.202 $ 789 1.165 (24%) (15%) 2% 3% $ 2.550 5.249 $ 309 2.439 $ 6.819 4% Total Provisions for LLR & PBC .937 23% 10% 6.523 5.733 6% 1.840 $ 8.904 $ 9.851 $ 10.574 1.104 6% $ 9.059 22.Ex-FX (3) (11) (35) 14 4 - (167) 2% (1) Includes both Citi-Branded Cards and Citi Retail Services.578 $ 5.214 3% Net Credit Losses as a % of Average Loans 3.996 $ 276 1.755 1.606 $ 6.672 $ 8.194 6% (25%) $ 2.210 3Q 2012 7.885 $ 10. FY 2011 Increase/ (Decrease) 29.014 $ 9.797 $ 18.249 - Total Revenues .746 (1%) 13% 39.503 2.771 5.389 14 5.819 2% - (494) - Total Operating Expenses .452 (22%) $ 585 1.188 1 1. Page 7 .148 5.746 1% (1%) 1% 12% 10.101 6% Average Assets (in billions of dollars) Return on Average Assets $ 380 1.558 (1%) $ 1.030 (522) 1 65 7.197 2.Ex-FX (3) $ 5.601 1.77% Revenue by Business Retail Banking Cards (1) $ 4.423 (713) 45 Provision for Loan Losses and for Benefits and Claims 1.722 $ 2.937 23% 11% $ 6.683 9. NM Not meaningful Reclassified to conform to the current period's presentation.375 $ 597 1.394 5.641 2Q 2012 $ 10.755 $ 1.83% 2.403 $ 5.195 21.512 Full Year 2012 $ FY 2012 vs. (3) Presentation of this metric excluding FX translation is a non-GAAP financial measure.452 (2.885 5.180 1% 4% $ 39.744 $ 1. Net of Interest Expense Total Operating Expenses 1Q 2012 7.29% $ 381 2.699 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 .574 $ 9.907 9% 6% $ 20.566 $ 1.672 $ 8.114 $ 282 1.190 9. (2) Reflects the impact of foreign exchange (FX) translation into U.053 643 (39%) (23%) 3.468 10.848 $ 325 1.Ex-FX (3) $ 9.249 5.10% $ 388 2.425 2.762 - (19%) (100%) 2% 100% 7.429) 3 192 8.313 $ $ Impact of FX Translation (2) (12) (67) 36 5.558 Impact of FX Translation (2) Total Provisions for LLR & PBC .423 $ 2.

3 $ 144.76% 1.84% 1.64% 869 $ 1.4 26.53% $ 4.610 $ 2.69% 1. EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.1 $ 144.81% $ 0.8 13.114 3.0 $ 140.685 13.81% 1.1 14.746 $ 2.710 $ 2.93% Loans 90+ Days Past Due (in millions) (2) $ As a % of EOP Loans 769 $ As a % of EOP Loans 1.032 1.9 1% 5% 313.87% 12.86% 12.2 - (2%) EOP Loans (in billions) (3) $ 153.5 $ 145.707 $ 2.65% $ 1.41% 1.036 11.0 - 4% 327.1 $ 144.2 $ 85.2 65.77% Cards Key Indicators (in millions of dollars.204 4.60% 5.718 134. (6) Net credit margin is total revenues.8 2% 9% Net Interest Revenue (in millions) (1) $ 2.62% $ 0.78% 276 7.694 1. net of interest expense.58% Loans 30-89 Days Past Due (in millions) (2) 282 7.499 $ 2.4 $ 148.04% 12.5 $ $ 16.61% $ 0.71% $ $ 5. less net credit losses and policy benefits and claims.S.61% 0.87% 12.79% 843 $ 1.16% 9.848 3.47% $ 1.65% As a % of Average Loans (6) Loans 90+ Days Past Due 4.9 $ 149.069 4.775 13.S.4 $ 90.3 65.705 $ 3.4 $ 139.6 95.7 29.72% $ 4. government-sponsored agencies.80% $ 0.682 $ 2.46% $ 4.8 38. (5) Net interest revenue includes certain fees that are recorded as interest revenue.74% 325 7. mortgage loans that are guaranteed by U.08% 4.397 1.61% As a % of Average Loans Net Credit Margin (6) 135. (3) Average loans.6 2% 10% $ 70.2 $ 318.1 $ 19. except as otherwise noted) Branches (actual) Accounts (in millions) Average Deposits $ Investment Sales Investment AUMs Average Loans 4.2 $ 145.8 36. See Note 1 on North America Regional Consumer Banking on page 10.080 4.63% 4.6 $ 143.9 $ 153. except as otherwise noted) EOP Open Accounts 133.8 - Purchase Sales $ 137.645 4.63% 0.515 13.0 $ 139.65% As a % of EOP Loans Loans 30-89 Days Past Due $ 5. (2) The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes U.3 $ 17% 138.996 $ 3.4 38.17% Net Credit Losses (in millions) $ As a % of Average Loans 309 7.150 4.6 $ 317.00% $ As a % of Average Loans (5) Net Credit Losses $ $ As a % of EOP Loans 2.0 2.6 2% 131.142 $ 2.1 $ 72.112 0.4 1% 2% 3% 7% 8% 13% EOP Loans $ 134.627 133.3 64.4 $ 131.221 $ 2.2 $ 145.1 28.0 $ 97.728 1% 1% 15% 21% - 14% (4%) 7% (3%) EOP Loans: Real Estate Lending Commercial Markets Personal and Other As a % of Average Loans 8.1 $ $ 21.510 $ 2.154 375 1.1 (2%) 41% $ 149.040 $ 0.6 $ 23.51% 10.4 $ 145.60% (1) Also includes net interest revenue related to the international regions' deposit balances in excess of the average loan portfolio.3 8% 2% Average Loans (in billions) (3) $ 148.90% 9. (4) Average yield is gross interest revenue earned divided by average loans.1 65.51% 882 $ 0.0 $ 143.92% $ 0.008 (1%) 62.049 $ 0.400 1.032 $ 0.0 39.487 $ 2.62% $ 4.637 $ 3.3 28.4 30.9 38.98% $ 1.06% $ 1.03% 880 0. NM Not meaningful Reclassified to conform to the current period's presentation.4 $ 139.4 $ 146.3 $ 74.5 $ 23.385 1.80% 1.47% $ 2.5 $ 141.6 3% (2%) 2% 1% (4%) (22%) 5% 12% 3% (16%) 1% (21%) Average Yield (4) Net Interest Revenue (5) 14.55% 9.CITICORP GLOBAL CONSUMER BANKING 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. Page 8 .6 $ 76.5 $ 90.859 $ 2.2 $ 324.8 $ 73.93% $ 0.202 1.

438 1.198 2.010 1.478 $ 1.465 5.322 (18%) (32%) (26%) $ 1.710 19% Income Taxes (benefits) 583 738 772 785 600 (24%) 3% 2. except as otherwise noted) 4Q 2011 Net Interest Revenue Non-Interest Revenue $ Total Revenues.196 - 1.161 1.181) (1) 62 5.402 2.323 6.151 1.183 1.99% $ 175 2.081 9. 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 Loan Losses and for Benefits and Claims 4.402 $ 5.299 $ 1.035 1.677 8.265 (6%) (27%) $ 8.502 $ 1.101 (4.095 - 4.32% 4.736 2.198 $ 5.527 2.135 $ 5.187 2.546 (4%) 1% (1%) 20% (1%) (4%) $ 5.555 $ 1.081 5% $ 70 986 683 $ 62 902 665 $ 62 840 609 $ 72 745 534 $ 51 700 514 (29%) (6%) (4%) (27%) (29%) (25%) $ 302 4.098 2% (10%) 20% Full Year 2011 $ 16.002 (23%) 6% $ 4.159 $ 21.081 31% (5%) (4%) $ 5.393 2.346 2.666 2.100 3Q 2012 $ 4.392 2.341 5.81% $ 173 2.690 21.614 $ 1.101 $ 5.451 5.602 (23%) 5% 6.629 $ 1.511 (814) 19 1.20% $ 169 3.237 2.351 (519) 1 19 1.073 2Q 2012 $ 4.068 25% 10% 3.113 8.317 $ 1.131 $ 247 3.159 9.498 NM (3%) 1% $ 944 $ 1.219 4Q 2012 $ 4Q12 Increase (Decrease) from 3Q12 4Q11 4.628 2.814 18% Average Assets (in billions of dollars) Return on Average Assets $ 170 2.068 1.167 2.07% 3.300 1 1.739 (785) 1 13 1.511 $ 1.28% 1% 3% $ 165 2.196 $ 1.300 $ 1.815 18% NM Not meaningful Reclassified to conform to the current period's presentation.60% 4.676 (1%) 9% 3% - 20.672 5.134 1.629 (841) 14 1.756 (2.346 (1%) 3% $ 20.13% $ 171 2.968 2.915 3.316 $ 6. Page 9 .265 (215) 18 (6%) 59% (100%) (5%) (27%) 73% (100%) 38% 8.35% $ 1.739 $ 1.317 $ 1.48% $ 172 2.055 1.317 - 1.647 2.668 3.111 1.351 $ 1.095 $ 4.248 1.981 3.756 (29%) $ 164 501 279 $ 331 607 379 $ 335 428 433 $ 340 571 389 $ 231 474 297 (32%) (17%) (24%) 41% (5%) 6% $ 463 2.591 4.80% 4% Net Credit Losses as a % of Average Loans Revenue by Business Retail Banking Citi-Branded Cards Citi Retail Services Total Net Credit Losses by Business Retail Banking Citi-Branded Cards Citi Retail Services Total Income (loss) from Continuing Operations by Business Retail Banking Citi-Branded Cards Citi Retail Services Total 4.095 $ 4.135 2.933 5% 3% 1.488 7.002 (23%) 6% $ 4.60% 3.002 - (23%) (100%) 6% - 4.080 1.490 (2%) 38% 5.244 Full Year 2012 $ FY 2012 vs.CITICORP GLOBAL CONSUMER BANKING NORTH AMERICA Page 1 (In millions of dollars.481 $ 1.730 6.125 1.389) 1 70 (29%) 43% NM 13% (14%) 968 802 716 852 1.895 21% Income from Continuing Operations Noncontrolling Interests 944 - 1.815 1 18% - Income from Continuing Operations before Taxes Net Income $ 944 $ 1.249 918 1Q 2012 $ 4.167 $ 5.085 1.196 $ 1. FY 2011 Increase/ (Decrease) 16.

respectively.1 $ 28.96% $ 221 2.9 $ 14. 2012.3 billion).9 $ 196.4 $ 2.7 $ 190.57% $ 183 0. The amounts excluded for Loans 90+Days Past Due and (EOP Loans) were $611 mlllion and ($1. government-sponsored agencies since the potential loss predominantly resides with the U.1 $ 14.016 1. March 31.5 $ 16.7 (20%) (22%) Net Interest Revenue on Loans (in millions) As a % of Avg.5 $ 41.4 billion) as of December 31.9 1. NM Not meaningful Reclassified to conform to the current period's presentation.S.4 (1%) (2%) Investment Sales $ 2. 2012. 2012.1 $ 33.4 $ 2.2 (4%) (10%) Net Servicing & Gain/(Loss) on Sale (in millions) $ 295.CITICORP GLOBAL CONSUMER BANKING NORTH AMERICA Page 2 4Q 2011 1Q 2012 2Q 2012 3Q 2012 4Q 2012 4Q12 Increase (Decrease) from 3Q12 4Q11 Retail Banking Key Indicators (in billions of dollars.57% $ 223 0.0 $ 149.2 $ 151.74% $ 291 0.6 $ 637. Loans $ 181 1.0 $ 532.1 $ 32.69% $ 51 0.1 $ 11. $718 mlllion and ($1.9 - 2% Average Deposits $ 147.8 16% (20%) Third Party Mortgage Servicing Portfolio (EOP) $ 197.2 billion) and $122 million and ($1.9 $ 29.6 6.S.015 1.9 $ 177. The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) were $121 million and ($1.2 $ 12.3 billion).3 billion).1 $ 32.2 $ 614.7 3% 9% Average Loans $ 37.93% $ 193 1.48% (29%) (27%) Loans 90+ Days Past Due (in millions) (1) As a % of EOP Loans $ 235 0.2 1.26% 9% 33% Net Credit Losses (in millions) As a % of Avg.S.2 $ 2.3 $ 40. 2012 and December 31.62% $ 62 0. mortgage loans that are guaranteed by U.017 999 (2%) (2%) 12.1 $ 33. $124 million and ($1.63% $ 260 0.2 2% 13% $ 31.92% $ 200 1. Loans $ 70 0.9 1. $738 mlllion and ($1. respectively. 2012.1 $ 41. Page 10 . 2012.3 $ 12.8 $ 12.0 $ 684.61% $ 72 0. September 30.6 7.47% $ 215 0.3 $ 42. 2012 and December 31. 2011. June 30.7 12.66% $ 294 0.2 billion).4 6.4 $ 154.74% $ 62 0.0 7.8 $ 2. $122 million and ($1.3 billion).9 4% 32% Investment AUMs $ 29.5 $ 15. except as otherwise noted) Branches (actual) Accounts (in millions) 1.5 $ 42.5 12.9 $ 41.6 $ 40.1 2% 7% - 7% 23% - EOP Loans: Real Estate Lending Commercial Markets Personal and Other Total EOP Loans $ 38.9 $ 40.54% (3%) 5% (1) The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes U.8 $ 184. June 30.9 $ 29. March 31.7 7.020 1.5 12. $748 mlllion and ($1.5 12.72% $ 280 0.5 (10%) NM Saleable Mortgage Rate Locks $ 16.4 $ 31. September 30. $121 million and ($1.4 1.68% (4%) 19% Loans 30-89 Days Past Due (in millions) (1) As a % of EOP Loans $ 213 0.13% $ 240 2.2 billion).2 billion) and $742 mlllion and ($1.4 1.4 billion) as of December 31. agencies.7 3% 10% Mortgage Originations $ 21.3 $ 159.54% $ 230 0. 2012. 2011.

35% 1.647 856 $ 721 $ 852 $ 534 $ 1.4 $ 73.5 $ 71.97% $ 18.4 17% - Average Loans (in billions) (1) $ 38.731 786 1.94% $ 1.40% 1.15% 6.5 83.38% As a % of EOP Loans 1.30% $ $ 6.19% $ 9.7 $ 72. Loans (3) Net Credit Losses $ $ 683 923 $ 951 $ $ 1.04% 17.96% $ 4.11% 2.39% 4.1 $ 17.14% 1.688 840 $ 1.3 $ 23. NM Not meaningful Reclassified to conform to the current period's presentation.94% 6.010 $ 716 $ $ 823 1.638 79.557 18.25% 789 2.04% (1) Average loans.99% $ 1.71% 8.26% 17.97% As a % of Average Loans Net Credit Margin (4) 80. net of interest expense.98% $ 1.170 $ 1.5 $ 36.5 $ 18.673 17.01% $ 1.02% $ As a % of Avg.24% As a % of EOP Loans Loans 30-89 Days Past Due 986 1. Page 11 .92% 7.7 $ 38.71% 1.96% 2.078 902 1.426 7. (4) Net credit margin represents total revenues.2 22.56% 4.2 $ 72.32% As a % of EOP Loans 9.9 721 1.577 79.9 $ 40.08% $ 1.26% As a % of Avg.95% 9. except as otherwise noted) (1) 78.5 $ 71.6 3% (1%) Average Loans (in billions) (1) $ 74.9 (1%) (6%) Purchase Sales (in billions) EOP Open Accounts $ 20.1 22.1 $ 40.14% 16.3 18.692 9. except as otherwise noted) (1) EOP Open Accounts Purchase Sales (in billions) 22.022 10.016 $ $ 1.6 $ 36.43% 2. (2) Average yield is gross interest revenue earned divided by average loans.02% 700 3.05% 1.33% 514 5.56% As a % of EOP Loans Loans 30-89 Days Past Due $ 7.26% 5.6 $ 36.6 5% (3%) 2% 2% (4%) (25%) 1% 11% 1% (24%) (4%) (33%) Average Yield (2) Net Interest Revenue (3) 18.82% 1.7 $ 71.08% As a % of Avg.99% 5.13% $ As a % of Avg.6 $ 38. EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.06% Citi Retail Services Key Indicators (in millions of dollars.03% 771 1.6 $ 15.7 $ 36.22% 744 $ $ 760 $ $ 744 1.3 $ 37.53% $ 10.94% $ 665 $ 827 $ 845 $ 995 2.36% 1.15% 6.2 $ 72.87% $ 2.85% $ 1.175 2.71% 609 1.631 9.56% 1.164 $ 745 $ 1.163 $ 982 $ $ 887 9. (3) Net interest revenue includes certain fees that are recorded as interest revenue.CITICORP GLOBAL CONSUMER BANKING 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.9 $ 36.9 1% (6%) 1% (1%) (6%) (29%) 5% 22% 3% (23%) 4% (28%) Average Yield (2) Net Interest Revenue (3) 10.02% $ 9.7 $ 72.8 23. less net credit losses and policy benefits and claims.53% 11.358 830 $ 1. Loans (4) Loans 90+ Days Past Due 10.87% 9.5 $ 37.2 - 3% 41.23% As a % of Average Loans Net Credit Margin (4) 1.19% 16.709 9.6 $ 42.16% 7.1 (1%) (4%) EOP Loans (in billions) (1) $ 77. Loans (3) Net Credit Losses $ $ $ 1.0 1% (3%) EOP Loans (in billions) (1) $ 39.5 $ 20. Loans (4) Loans 90+ Days Past Due 1.9 18.

Ex-FX (2) (5) $ 30 8 $ 23 6 1 $ 2 - 1 $ 32 (66) $ 44 - (2) 38% 47% $ 56 $ 99 77% (1) Reflects the impact of foreign exchange (FX) translation into U. Page 12 . FY 2011 Increase/ (Decrease) 1.51%) 11% - $ 10 0. (2) Presentation of this metric excluding FX translation is a non-GAAP financial measure.434 (3%) 7% 105 (5) (1) - (39%) 96% NM - 58 99 71% 157 (17) NM 62 1 (98%) 95 - (18) 4 NM - $ (38) NM NM $ $ (22) $ 10 (1. Net of Interest Expense Total Operating Expenses $ 348 326 Net Credit Losses Credit Reserve Build / (Release) Provision for Unfunded Lending Commitments Provision for Benefits & Claims 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 1 31 44 42% 47% Income (loss) from Continuing Operations before Taxes (8) (4) 27 15 (55) NM NM Income Taxes (benefits) (4) 3 10 5 (17) NM NM Income from Continuing Operations Noncontrolling Interests (4) (3) (7) 1 17 1 10 2 (38) - NM (100%) NM 100% Net Income $ (1) $ (8) $ Average Assets (in billions of dollars) Return on Average Assets $ 10 (0.62% 16 9 0.95% $ 9 (0.36%) $ Net Credit Losses as a % of Average Loans 1.558 $ 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. NM Not meaningful Reclassified to conform to the current period's presentation.Ex-FX (2) $ 353 $ 374 $ 375 $ 389 $ 391 1% 11% $ 1.as Reported $ Impact of FX Translation (1) 348 $ 5 378 (4) 9 8 - (75) 1.483 $ 1.Ex-FX (2) $ 329 $ 354 $ 346 $ 341 $ 402 18% 22% $ 1.516 1.343 172 (118) 4 - FY 2012 vs. Dollars at the current exchange rate for all periods presented.CITICORP GLOBAL CONSUMER BANKING EMEA .558 $ Net Credit Losses by Business Retail Banking Citi-Branded Cards Total Income (loss) from Continuing Operations by Business Retail Banking Citi-Branded Cards Total FX Translation Impact: Total Revenue .24%) 1.277 $ 1.516 (3%) - Total Revenues . except as otherwise noted) 4Q 2011 Net Interest Revenue Non-Interest Revenue $ 1Q 2012 224 124 Total Revenues.75% 8 9 0.72% $ $ 0.516 2% Total Operating Expenses .35% Full Year 2011 $ Full Year 2012 947 611 $ 1.S.59% 1.434 12% Provisions for LLR & PBC .PAGE 1 (In millions of dollars.as Reported $ 326 $ 359 $ 338 $ 335 $ 402 20% 23% $ 1.54% 95 NM (10%) 1.558 1.434 7% Total Operating Expenses .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% $ 1.040 476 10% (22%) 1.as Reported $ 30 $ 23 $ 1 $ 31 $ 44 42% 47% $ 58 $ 99 71% Impact of FX Translation (1) 3 Impact of FX Translation (1) Provisions for LLR & PBC .343 $ 1.04%) $ 9 (0.

0 4.7 $ 2.24% $ 7 145 $ 43 $ 61 2. Loans (5) Loans 90+ Days Past Due (in millions) 16 $ 19.66% $ 63 2.60% $ 1.97% $ $ 16.6 Average Loans (2) $ 2.9 3.8 EOP Loans (2) $ 2.11% $ As a % of EOP Loans Loans 30-89 Days Past Due (in millions) 12 13.0 4.2 1.04% 12 11.4 $ 5.PAGE 2 4Q 2011 1Q 2012 2Q 2012 3Q 2012 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 Retail Banking Key Indicators (in billions of dollars.54% As a % of EOP Loans Loans 30-89 Days Past Due (in millions) $ 2.03% $ 120 - 16.42% 1.9 - (3%) Average Deposits $ 12.5 $ 0.8 $ 2.2 1.02% $ 1.9 - 7% 114 19.72% As a % of Average Loans Net Credit Margin (in millions) (5) 107 2.35% As a % of Avg.17% Also includes net interest revenue related to the region's deposit balances in excess of the average loan portfolio.7 2.8 19.1 2.0 $ 5.2 1. Net interest revenue includes certain fees that are recorded as interest revenue.40% As a % of EOP Loans 12 12.1 $ 16. (5) Net credit margin is total revenues.71% 15.83% 1.4 $ 12.18% 12% 8% 11% 15% $ 2.24% 62 $ 92 $ 0.8 2.8 $ 1. Loans (4) Net Credit Losses (in millions) $ $ As a % of EOP Loans (1) (2) (3) (4) 133 $ 44 $ 59 2. Average loans.5 2.3 18% 63% Investment AUMs $ 4.8 3.3 $ 4.3 2.81% $ As a % of Avg.1 $ 1.47% 20.7 2.7 - 6% Investment Sales $ 0.81% 19.48% $ 113 2.9 Net Interest Revenue (in millions) (4) 19.6 $ 48 1.2 $ 4.62% $ 1.46% 2.24% 7 12.1 4% 21% Net Interest Revenue (in millions) (1) $ 117 $ 145 $ 143 $ 143 $ 145 1% 24% 25% 25% (4%) (19%) (3%) (18%) EOP Loans: Real Estate Lending Commercial Markets Personal and Other As a % of Average Loans (1) Net Credit Losses (in millions) 10.8 $ 2.79% $ As a % of Average Loans Loans 90+ Days Past Due (in millions) $ 1.5 $ 0.19% $ 17 $ 139 $ 43 $ 65 2.5 $ 4.25% 59 $ 94 $ 1.8 19.23% 2.3 $ 5.5 $ 0.63% $ 117 2.7 8% 50% 24% 17% Total EOP Loans $ 4.1 2.70% 79 15 1.3 $ 0.51% Citi-Branded Cards Key Indicators (in billions of dollars.07% 2.10% $ 17 $ 141 $ 45 $ 68 2.54% $ 2.9 2.10% $ 1.7 Average Yield (3) $ 2.61% 77 1.4 $ 4.3 2.8 $ 2.19% 48 0.10% 49 $ 78 $ 1. except as otherwise noted) EOP Open Accounts (in millions) Purchase Sales 2.20% 20.7 $ 5.CITICORP GLOBAL CONSUMER BANKING EMEA .9 $ 2.01% 19.54% 50 $ 1. EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.5 $ 12.0 6% 16% $ 0.7 $ 5. except as otherwise noted) Branches (actual) 296 286 240 234 228 (3%) (23%) Accounts (in millions) 4.34% 12% 18 6% 13% 143 1% 8% 7% 9% (7%) 7% 19.7 $ 4. Reclassified to conform to the current period's presentation.8 7% 23% Average Loans $ 4.24% 1.9 $ 5.8 $ 1.02% $ 1.0 $ 12.0 $ 0. net of interest expense.6 2.55% $ 5% 2.7 $ 2.7 $ 12.44% 1.94% $ 1. Page 13 .38% 2.6 $ 4.17% 16. Average yield is gross interest revenue earned divided by average loans. less net credit losses and policy benefits and claims.0 3.9 4% 7% $ 2.

784 (9%) Net Credit Losses Credit Reserve Build / (Release) Provision for Unfunded Lending Commitments Provision for Benefits & Claims Income Taxes Income from Continuing Operations Noncontrolling Interests 56 115 79 119 (39) NM NM 370 1 375 - 329 (2) 405 - 401 - (1%) - 8% (100%) 388 1.S.766 3.88% $ 81 1.350 1.408 2.441 $ 2.747 $ 2.588 4% 14% 7% 13% 9.966 1.750 299 167 4% NM 28% Provision for Loan Losses and for Benefits and Claims (LLR & PBC) 516 587 551 508 570 12% 10% 1.419 $ 2.520 1.591 $ 2.702 2% $ 142 304 $ 143 287 $ 135 265 $ 160 273 $ 210 277 31% 1% 48% (9%) $ 475 1.387 2.87% 4.007 4% - 2.as Reported $ 516 $ 587 $ 551 $ 508 $ 570 12% 10% $ 1.322 $ 2.408 $ 1.702 2% Net Credit Losses by Business Retail Banking Citi-Branded Cards Total Income (loss) from Continuing Operations by Business Retail Banking Citi-Branded Cards Total FX Translation Impact: Total Revenue .61% Revenue by Business Retail Banking Citi-Branded Cards $ 1.as Reported $ 1.378 944 $ 1.25% 4.Ex-FX (2) $ 1.448 993 $ 1.687 732 $ 1.349 $ 2.Ex-FX (2) (57) (18) $ 498 13 (38) $ 549 3 4 $ 555 - 1 $ 509 (367) $ 570 - (156) 12% 14% $ 1.702 6% Provisions for LLR & PBC .510 (2) (4%) - Net Income $ 369 $ 375 $ 331 $ 405 $ 401 (1%) 9% $ 1. NM Not meaningful Reclassified to conform to the current period's presentation.747 2.322 1.725 795 2% 9% 6% 9% Full Year 2011 $ Full Year 2012 6.31% 4.04% $ 81 1.520 4% 7% $ 8.PAGE 1 (In millions of dollars.97% 3% 4% $ 80 1. except as otherwise noted) 4Q 2011 Net Interest Revenue Non-Interest Revenue $ Total Revenues.102 36% (9%) $ 446 $ 430 $ 400 $ 433 $ 487 12% 9% $ 1.469 $ 9.216 27% Impact of FX Translation (1) (20) Impact of FX Translation (1) Provisions for LLR & PBC .209 $ 648 1.900 $ 9.695 3.469 $ 9.322 $ 2.97% $ 80 1.702 5.387 $ 1.364 $ 1.345 $ 2.419 $ 2.756 9. FY 2011 Increase/ (Decrease) 6.702 2% (1%) 446 38 32 430 113 44 400 120 31 433 29 46 487 37 46 12% 28% - 9% (3%) 44% 1.216 39% (1) Reflects the impact of foreign exchange (FX) translation into U.86% $ 78 1.702 9% Total Operating Expenses .89% - Net Credit Losses as a % of Average Loans 4.007 $ 1.756 $ 5.520 4% 7% $ 9.001 $ 5.390 $ 1.456 3.469 5.488 1.624 698 $ 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 1.216 27% Income from Continuing Operations before Taxes 426 490 408 524 362 (31%) (15%) 1.350 $ 2.452 967 $ 1.419 1.032 2% 7% 11% 2% $ 5. Page 14 . Net of Interest Expense Total Operating Expenses 1Q 2012 1.578 $ 1.363 2.750 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% $ 1.702 (1%) Total Operating Expenses .as Reported Impact of FX Translation (1) (5) (92) 37 8 - (569) - Total Revenues .307 $ 1.578 $ 1.512 (4%) Average Assets (in billions of dollars) Return on Average Assets $ 78 1.15% 4.013 $ FY 2012 vs. (2) Presentation of this metric excluding FX translation is a non-GAAP financial measure.578 - 274 (29%) 1.376 $ 1.441 $ 2.388 $ 1.CITICORP GLOBAL CONSUMER BANKING LATIN AMERICA .684 (67) 130 1.363 $ 1.71% $ 79 2.343 1.520 4% 7% $ 9.441 1.588 14% 13% $ 5. Dollars at the current exchange rate for all periods presented.620 730 $ 1.468 4.510 (4%) $ 2.359 $ 2.427 $ 2.588 14% 14% $ 5.936 5% (2%) Total $ 2.389 $ 5.659 782 2Q 2012 $ 3Q 2012 1.350 $ 2.364 2.684 $ 1.Ex-FX (2) $ 2.

8 10.0 $ 44. (4) Net interest revenue includes certain fees that are recorded as interest revenue.01% $ 721 13.83% $ $ 7. (3) Average yield is gross interest revenue earned divided by average loans.10% $ 1.6 EOP Loans (in billions) (2) $ 13.74% 21.4 $ 46.5 $ 28.52% $ As a % of Average Loans (4) Net Credit Losses (in millions) $ $ As a % of EOP Loans 304 703 $ 412 $ 399 2.51% As a % of EOP Loans Loans 30-89 Days Past Due $ 8.7 $ 25.4 $ 9.79% $ 432 2.02% 285 $ 1.201 2. net of interest expense.200 2. except as otherwise noted) EOP Open Accounts (in millions) Purchase Sales (in billions) 12.86% 20.6 $ 13.7 4% 22% $ 4.71% 19.198 2.2 $ 26. NM Not meaningful Reclassified to conform to the current period's presentation.8 $ 58. EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.9 $ 27.3 $ 4.00% $ 2.7 9.4 $ 5.24% 316 322 $ 1.14% $ 1.7 $ 14.0 413 2.25% Citi-Branded Cards Key Indicators (in billions of dollars.0 22.68% 143 276 $ 1. except as otherwise noted) Branches (actual) Accounts (in millions) 2.96% $ 729 22.4 $ 13.1 $ 25.6 9.CITICORP REGIONAL CONSUMER BANKING LATIN AMERICA .9 8.9 2% 27% Average Loans $ 22.87% As a % of Average Loans (5) Loans 90+ Days Past Due 22. (5) Net credit margin is total revenues.2 31.12% $ 273 $ 694 $ 401 $ 416 2.7 $ 25.1 31.2 $ 10.3 $ 5.98% 265 679 $ 405 $ 428 3.9 $ 58.6 $ 45.81% 2.14% 20.17% $ 1.9 (1%) - 10.15% 2.22% 323 14.1 $ 10.02% 3.33% $ 160 13.3 $ 64.3 3% 5% $ 14.9 32.24% $ 1.4 10.PAGE 2 4Q 2011 1Q 2012 2Q 2012 3Q 2012 4Q 2012 4Q12 Increase (Decrease) from 3Q12 4Q11 Retail Banking Key Indicators (in billions of dollars. Page 15 .48% $ As a % of EOP Loans Loans 30-89 Days Past Due (in millions) 15.1 31.3 $ 13.49% 20.6 $ 26.3 9.8 4% 8% 3% 3% 1% (9%) 9% 7% 3% - 4% 8% $ 10.91% $ 287 $ 706 $ 405 $ 426 2.8 $ 65.98% 7.1 2% 4% 2% 23% 17% 22% Total EOP Loans $ 23.06% $ 1.221 2.0 $ 44.2 13.72% $ 707 22.84% 19.5 12% 6% $ 14.0 $ 10.3 3% 20% Net Interest Revenue (in millions) (1) $ 890 $ 938 $ 917 $ 958 $ 971 1% 9% 31% 48% 1% 28% (14%) 22% EOP Loans: Real Estate Lending Commercial Markets Personal and Other As a % of Average Loans (1) Net Credit Losses (in millions) $ As a % of Average Loans Loans 90+ Days Past Due (in millions) $ 2.8 (1%) 9% Average Deposits $ 44.22% 412 324 1.4 12.07% As a % of EOP Loans 14.55% 142 253 $ 289 $ 2.9 (5%) 34% Investment AUMs $ 51.181 (1%) (2%) 29.9 $ 5.8 $ 9. (2) Average loans.4 2% 2% Investment Sales $ 7.2 $ 14.91% 8.91% 20.1 11.08% 2.6 $ 27.4 $ 9.39% 3.7 Average Yield (3) Net Interest Revenue (in millions) (4) 23.9 11.3 12. less net credit losses and policy benefits and claims.64% 135 14.86% $ 754 20.8 $ Average Loans (in billions) (2) $ 13.9 12.50% 353 1.95% $ 210 2.92% (1) Also includes net interest revenue related to the region's deposit balances in excess of the average loan portfolio.3 $ 11.30% As a % of Average Loans Net Credit Margin (in millions) (5) 730 13.82% $ 277 7.9 $ 14.93% 755 21.75% 20.

992 1.as Reported Impact of FX Translation (1) 19 (5) 34 14 - (98) - Total Revenues .186 792 $ 1.98% 1.96% 0.039 $ 1.Ex-FX (2) $ 1.750 (1%) 3% 841 (36) - (5%) 43% - 820 805 (2%) 2.172 Net Credit Losses Credit Reserve Build / (Release) Provision for Unfunded Lending Commitments Provision for Benefits & Claims 2Q 2012 1.176 $ 1.46% $ 127 1.992 $ 1.978 1. except as otherwise noted) 4Q 2011 Net Interest Revenue Non-Interest Revenue $ Total Revenues.997 $ 1.195 709 $ 969 828 (19%) 17% $ 410 $ 503 $ 448 $ 449 $ 397 (12%) (3%) $ 1.915 (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% $ 1.207 $ 1.009 $ 7.146 3Q 2012 1.172 $ 1.Ex-FX (2) 7 $ 248 3 $ 192 9 $ 187 2 $ 185 $ 255 (9) 38% 3% $ 811 4% (2%) $ 805 (1%) (1) Reflects the impact of foreign exchange (FX) translation into U.992 - (2%) $ 7.904 $ 1.Ex-FX (2) $ 2.146 $ 1.41% $ 128 1.177 $ 1.904 $ 1. Net of Interest Expense Total Operating Expenses 1Q 2012 1.997 1.360 (8%) 666 563 (15%) 1.020 1.750 Provisions for LLR & PBC .727 3.948 $ 1. FY 2011 Increase/ (Decrease) 5.978 $ 1.202 $ 1.PAGE 1 (In millions of dollars.082 $ 4.009 4.927 3.997 $ 1.009 $ 7.268 710 $ 1.619 883 (63) - FY 2012 vs.241 3% 5% $ 4.619 $ 4. Dollars at the current exchange rate for all periods presented.948 1.797 (6%) $ 2.915 4.161 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 1.04% Revenue by Business Retail Banking Citi-Branded Cards $ 1.23% 1% 5% $ 122 1.241 1% 3% (1%) 6% 8% NM - 12% (35%) - 210 31 - 190 (1) - 199 (21) - 217 (34) - 235 20 - Provision for Loan Losses and for Benefits and Claims (LLR & PBC) 241 189 178 183 255 39% 6% Income from Continuing Operations before Taxes 607 662 609 593 496 (16%) (18%) Income Taxes 197 159 161 144 99 (31%) (50%) Income from Continuing Operations Noncontrolling Interests 410 - 503 - 448 - 449 - 397 - (12%) - (3%) - Full Year 2011 $ Full Year 2012 5.142 2.020 $ 1.797 (6%) Average Assets (in billions of dollars) Return on Average Assets $ 122 1.as Reported $ 241 $ 189 $ 178 $ 183 $ 255 39% 6% $ 820 $ 805 Impact of FX Translation (1) Provisions for LLR & PBC . (2) Presentation of this metric excluding FX translation is a non-GAAP financial measure.214 806 $ 1.992 1% (1%) $ 8.as Reported $ 1.332 688 $ 2.92% 0. Page 16 .982 $ 1.644 $ 8.188 (4%) 3% Total $ 2.915 (1%) Net Credit Losses by Business Retail Banking Citi-Branded Cards Total Income from Continuing Operations by Business Retail Banking Citi-Branded Cards Total FX Translation Impact: Total Revenue .161 $ 1.282 666 $ 1.797 - (6%) - Net Income $ 410 $ 503 $ 448 $ 449 $ 397 (12%) (3%) $ 1.43% 3% Net Credit Losses as a % of Average Loans 0. NM Not meaningful Reclassified to conform to the current period's presentation.220 777 $ 1.570 2.56% $ 126 1.155 793 $ 1.773 (4%) 5% 7.62% $ 123 1.241 3% 6% $ 4.327 670 $ 1.S.750 3% Impact of FX Translation (1) 5 (5) 15 5 - (61) - Total Operating Expenses .141 $ 1.911 $ 7.992 $ 1.CITICORP GLOBAL CONSUMER BANKING ASIA .948 $ 1.265 727 2% (5%) 6% 1.978 $ 1.202 1.166 826 (2%) 4% (4%) 2% $ 4.915 - Total Operating Expenses .365 2.86% 0.992 1% (1%) $ 8.020 $ 1.33% $ 125 1.558 $ 4.904 - 1.

62% 13.7 234 1.4 EOP Loans (in billions) (2) $ 19.9 17.3 $ 68. NM Not meaningful Reclassified to conform to the current period's presentation.33% $ 0.8 16.7 8% 8% $ 20.47% As a % of Average Loans Net Credit Margin (in millions) (5) 512 15.43% $ 0.36% 0.5 1% (2%) 2% 5% (5%) 9% Total EOP Loans $ 67.47% $ 0.9 1% 3% $ 19.89% 10.5 $ $ 52.8 $ 110.6 $ 20.38% 2. net of interest expense.8 16.0 (2%) 50% Investment AUMs Average Loans $ $ 45.56% As a % of Average Loans (5) Loans 90+ Days Past Due 13.4 67. Net credit margin is total revenues.8 15.18% $ 519 10.72% 13.38% $ 0.9 Average Yield (3) Net Interest Revenue (in millions) (4) 13. Average yield is gross interest revenue earned divided by average loans.2 67.85% $ As a % of Average Loans Loans 90+ Days Past Due (in millions) $ 0.0 1% 1% 18.72% 222 $ 444 $ 0.51% 1. except as otherwise noted) EOP Open Accounts (in millions) Purchase Sales (in billions) 15.5 16.9 16.4 16.42% 241 $ 440 $ 0.19% 13.93% As a % of EOP Loans Loans 30-89 Days Past Due $ 2.50% $ As a % of EOP Loans Loans 30-89 Days Past Due (in millions) 85 4.57% 228 0.41% $ As a % of Average Loans (4) Net Credit Losses (in millions) $ $ As a % of EOP Loans (1) (2) (3) (4) (5) 125 681 $ 214 $ 321 1.8 68. Average loans.7 17.0 $ 20.88% 10.61% $ 136 $ 656 $ 220 $ 334 1.6 $ 69.7 $ 18.11% $ 507 12.67% 690 13.1 $ 35.1 $ 36. Page 17 .7 15.16% 10.4 $ 7. EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances. Net interest revenue includes certain fees that are recorded as interest revenue.66% 72 4.79% $ 1.46% 2.31% 10.73% 1.6 $ 19.7 4% 2% 15% 4% $ 34.0 $ 19.1 $ $ 47.0 $ 8.61% $ 125 $ 652 $ 224 $ 321 1.9 13.8 $ 19.13% $ 507 12.36% 0.9 $ 109.CITICORP GLOBAL CONSUMER BANKING ASIA .5 $ $ 49.3 16.14% $ $ 2.8 $ 67.08% $ 520 15.1 (2%) - Investment Sales $ 6.9 1% 3% Average Deposits $ 109.68% Also includes net interest revenue related to the region's deposit balances in excess of the average loan portfolio.46% 13.10% $ 136 2.4 2% 3% 2% 1% - 9% 5% 1% 6% 9% 2% 7% $ 19.7 1% 4% Net Interest Revenue (in millions) (1) $ 820 $ 807 $ 775 $ 761 $ 746 (2%) (9%) 22% 16% 4% 3% 6% 3% EOP Loans: Real Estate Lending Commercial Markets Personal and Other As a % of Average Loans (1) Net Credit Losses (in millions) 4.1 $ 20.15% $ 342 1.6 16.5 $ 110.64% 127 666 $ 222 $ 315 1.1 $ Average Loans (in billions) (2) $ 19.4 15.8 17.6 16.33% As a % of EOP Loans 65 4.2 $ 9.7 $ 112.62% 459 0.65% 433 99 0.3 $ 36.0 69.6 15.26% 219 $ 0. except as otherwise noted) Branches (actual) 671 643 627 618 600 (3%) (11%) Accounts (in millions) 16. less net credit losses and policy benefits and claims.PAGE 2 4Q 2011 1Q 2012 2Q 2012 3Q 2012 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 Retail Banking Key Indicators (in billions of dollars.7 $ $ 47.63% 81 4.8 $ 19.0 $ 9.3 $ 69.5 $ 19.9 68.66% Citi-Branded Cards Key Indicators (in billions of dollars.62% 245 $ 434 $ 0.74% 1.2 $ 34.9 16.32% $ 0.

077 992 1.029 4. FY 2011 Increase/ (Decrease) 1.818 $ 8.19% $ 1.265 2.055 4.836 82 89 135 2.618 4.821 16.990 128 (3%) NM Net Income $ 604 $ 2.613 2.460 (26%) NM $ 8.600 20.990 (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 Reclassified to conform to the current period's presentation.987 (58) (11) 158 - (163) Income from Continuing Operations Noncontrolling Interests 1.428 4.963 $ 1.460 23 (26%) 64% NM (21%) 8. Net of Interest Expense Total Operating Expenses 1Q 2012 1.591 2.795 4.343 $ 1.090 1.459 3.343 31 1.095 172 48 (138) - Provision for Credit Losses and for Benefits and Claims 2Q 2012 619 89 (556) - 282 39 (45) - (54%) (56%) 92% - NM 2% 152 276 82% 1.775 3. except as otherwise noted) 4Q 2011 Commissions and Fees Administration and Other Fiduciary Fees Investment Banking Principal Transactions Other Total Non-Interest Revenue Net Interest Revenue (including Dividends) $ Total Revenues.24% 0.942 (7%) 19% $ 32.583 Full Year 2011 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 7.728 $ 5.130 (85) 14.024 0.018 5.085 689 1.539 1.870 $ 2.860 8.210 $ 8.834 3.790 3.437 (27%) NM $ 8.090 3.059 0.993 4.771 15.829 (3%) 1% 19% (15%) NM (13%) 5% 6.249 1.081 742 793 1.011 663 1.010 0.024 648 645 (340) 113 2.949 2% (17%) 22% (5%) $ 633 $ 2.014 49 (42) 2.947 15.CITICORP INSTITUTIONAL CLIENTS GROUP (In millions of dollars.141 696 811 1.130 1.989 2.212 4.273 (7%) 8% 19% 0% 32.312 $ 1.232 (4%) (3%) (48%) NM 72% - (56%) 4% 70% - 75 50 (41) 84 2.378 1.428 $ 6.092 (9%) 624 747 606 125 (79%) NM 2.977 $ 1.942 5.84% $ 1.986 $ 143 (26) (149) (32) Full Year 2012 FY 2012 vs.89% 0.484 $ 1.044 0.149 1.212 1.150 $ 2.707 4.877 122 26 (13) - 470 633 29 $ 8.449 2.975 $ 2.210 $ 2.002 $ 30.54% 0.206 1.158 3.848 1.042 0.873 1.147 7% 4% 1% (93%) NM (19%) 4% 6% 6% 57% NM NM 34% 11% 4.206 $ 7.820 2.228 1.85% 1.66% 1% 5% $ 1.082 10.739 $ 2.262 $ 7.916 (406) 4.862 (4%) Average Assets (in billions of dollars) Return on Assets Return on Assets (Excluding CVA/DVA) $ 1.598 1.768 30.816 7.70% $ 1.90% 2% $ 1.026 2.048 0.262 56 7.585 (39%) NM 11.002 10.80% 0.123 (13%) (7%) 18% (1%) $ 5.94% $ 1.977 14 1.212 $ 7.000 731 37 3.016 0.962 1.539 (2%) (6%) (8%) (12%) 60% 7% 16% 4% $ 10.442 3.600 (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% $ 1.434 326 4.481 2.266 Net Credit Losses Provision for Unfunded Lending Commitments Credit Reserve Build / (Release) Provision for Benefits & Claims Income from Continuing Operations before Taxes Income Taxes (Benefits) $ 3Q 2012 1.376 3.210 60 2.018 $ 8.668 9.102 (25%) 2.818 5. Page 18 .75% 0.75% 0.25% $ 1.083 7.060 $ 1.318 2.002 20.062 2.

913 37 4.486 97 26 (64) - 1.637 1.641 10% Lending 165 56 608 194 139 (28%) (16%) 1.289 56 1.569 198 $ 5.676 (10%) 5% 34% (2%) 34% NM 54% - (58%) 39% 68% - 78 NM 13% 116 122 539 (60%) NM 6.230 13% $ 712 1.809 997 Equity Markets 233 903 550 510 455 (11%) 95% 2.405 3.978 2.495 111 (9%) NM 629 (44%) NM 4.307 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 21.405 (799) $ 4.05%) 1. (2) See Note (1) on page 4.293 3.067 6% (18%) 19.743 14.233 $ 884 0.131 11 $ Average Assets (in billions of dollars) Return on Average Assets Return on Average Assets (Excluding CVA/DVA) (158) $ 877 (0.120 $ 903 0.237 560 759 $ 1.95% 1.268 CVA/DVA {excluded as applicable in lines above} (2) Total Revenues.876 9.48% 0.357 $ 912 0. Net of Interest Expense Total Operating Expenses 1Q 2012 2.514 3.359 $ 1.381 682 (51%) 647 18 (43%) 64% NM (25%) 4.038 4.62% 0.656 7% (28%) 19% 69% 4.230 13% Total Securities and Banking Revenues (Ex-CVA/DVA) (1) 3. NM Not meaningful Reclassified to conform to the current period's presentation.555 759 1.716 4.55% 0.293 36% NM (10%) 34% 19.07%) (0.423 $ (2.018 $ 1.732 $ 21.785 1.013 602 86 (572) - $ 4. FY 2011 Increase/ (Decrease) 2.651 $ 5.853 804 1.771 56 (26) (103) - (611) Income Taxes (Benefits) (477) 221 343 226 Income (Loss) from Continuing Operations Noncontrolling Interests (134) 24 1.818 3.607 755 1. Page 19 .423 15.575 (60) (17) 135 - 69 2.207 (1.300 Full Year 2012 $ FY 2012 vs.27% 0.428 26 1.194 3.653 1.123 12.891 13.697 2.66% 1% 204 5% 28% 160 13% 78% 75 50 (47) - (73) Income (Loss) from Continuing Operations before Taxes Net Income (Loss) $ 4.275 3. Net of Interest Expense 576 (485) (45%) 6.691 1.736 Net Credit Losses Provision for Unfunded Lending Commitments Credit Reserve Build / (Release) Provision for Benefits & Claims 2.268 $ 6.310 3.102 $ 7.710 (27%) 58% 10.101) (28%) $ 3.707 178 36 (145) - Provision for Loan Losses and for Benefits and Claims 2Q 2012 $ 5.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% 1.314 8% (1.752 2.512 6.743 (8%) (1) Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.770 (510) $ 4.961 28% 2.194 5.49% 0. except as otherwise noted) 4Q 2011 Net Interest Revenue Non-Interest Revenue $ Total Revenues.71% Full Year 2011 $ 9.402 1.384 (10%) 916 0.402 2.651 (74) $ 3.103 3Q 2012 58 59 1.499 720 931 (7%) (19%) (10%) (17%) NM 21% 29% 23% $ 6.309 18% 638 865 854 926 996 8% 56% 3.463 2.302 3.274 3.127 $ 1.207 $ 5.418 1% 1.444 (8%) (4%) 168 33 (79) - $ 894 0.676 10.770 3.736 2.435 11% 11% 31% 8% 4.803 (14%) 47% 22.275 5.510 2.56% 1.803 (14%) 47% $ 19.56% 0.325 4.691 $ 22.41% 1% 4% 904 0.42% (72%) (62%) 86% 5% Revenue Details .954 2.177 (18%) (108) NM 77% 1.376) $ 5.001 $ 5.827 1.243 7.569 $ 4.214 980 $ 3.138 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) 2.294 5.487) NM 19.CITICORP INSTITUTIONAL CLIENTS GROUP SECURITIES AND BANKING (In millions of dollars.

273 2.514 1.495 17 4% (11%) Income from Continuing Operations before Taxes Net Income $ 762 $ 917 $ 910 $ 843 $ 808 (4%) 6% $ 3.79% $ 136 2. Net of Interest Expense Total Operating Expenses 1Q 2012 1.658 $ 2.0 $ 12.965 659 $ 2.52% 6% Revenue Details Treasury and Trade Solutions Securities and Fund Services Total $ 1.319 1.915 3% Income Taxes 314 403 404 380 233 (39%) (26%) 1.647 $ FY 2012 vs.743 $ 2.882 $ 8.624 1.69% $ 141 2.135 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 $ 2.8 $ 13.56% $ 138 2. Page 20 .755 10.412 2 6 23 - 25 51 - $ 1.807 $ 2.597 15% 1% 4% (100%) NM - 100% (100%) (14%) - 6 - Full Year 2011 $ Full Year 2012 5.391 87 (46) - 1.857 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% $ 12.324 1.5 $ 12.27% $ 132 2.420 (1%) Income from Continuing Operations Noncontrolling Interests 767 5 921 4 915 5 846 3 813 5 (4%) 67% 6% - 3.579 $ 10.857 5.112 695 $ 1.25% 1% 8% $ 130 2.707 6% (6%) $ 2.226 1.993 656 (2%) 1% 0% $ 7.579 5.2 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 Reclassified to conform to the current period's presentation.153 4.CITICORP INSTITUTIONAL CLIENTS GROUP TRANSACTION SERVICES (In millions of dollars.150 2.157 $ 3Q 2012 1.788 4.349 19 3.054 689 $ 2.704 4% 1% 10. FY 2011 Increase/ (Decrease) 6.110 $ 2.38% $ 143 2.788 3% 1% 17 3 16 - 114 6 34 - NM 100% NM NM 13 31 76 41 6 (85%) (54%) 36 154 1.807 1.478 4% Average Assets (in billions of dollars) Return on Average Assets $ 133 2.081 1. except as otherwise noted) 4Q 2011 Net Interest Revenue Non-Interest Revenue $ Total Revenues.439 1.991 667 $ 1.649 1.932 4.697 2.2 $ 12.330 $ 3.624 $ 2.649 - 1% $ 10.586 1.046 (15%) (3%) 4.743 1.510 1.530 Net Credit Losses Provision for Unfunded Lending Commitments Credit Reserve Build / (Release) Provision for Benefits & Claims (6) 12 7 - Provision for Credit Losses and for Benefits and Claims 2Q 2012 1.658 1.388 2.523 1.139 (1%) - 3% 2.534 1.

net of taxes - (5) (1) (31) Noncontrolling Interests 14 63 9 8 5 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%) Average Assets (in billions of dollars) $ 285 $ 289 $ 285 $ 293 $ 287 (2%) 1% $ (589) $ $ 284 $ (1.625) NM (112) NM Income (Loss) from Discontinued Operations.214 3 (3) 1 - (1) (1) 1 1 (1.293 FY 2012 vs.409) NM (46%) (78%) 40% (100%) 67% NM - (1) NM (3. Corporate items Income (Loss) from Discontinued Operations.058 NM 38% NM NM - NM 100% (100%) NM (1) 1 - - - (129) (295) (862) (730) (1) (1. Net of Interest Expense Total Operating Expenses 1Q 2012 87 296 $ 383 512 Net Credit Losses Credit Reserve Build / (Release) Provision for Benefits & Claims Provision for Unfunded Lending Commitments Provision for Loan Losses and for Benefits and Claims 13 487 $ 500 795 1 (1) 1 (1) Income from Continuing Operations before Taxes 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) 1.134) - 100% - (55%) NM Full Year 2011 $ Full Year 2012 26 859 $ 885 2.CORPORATE / OTHER (1) (In millions of dollars.021) NM Income Taxes (88) 17 (435) (675) (303) 55% NM (681) (1.859) 289 NM NM 2% (1) Includes unallocated global staff functions. other corporate expense and unallocated global operations and technology expenses. FY 2011 Increase/ (Decrease) (271) 463 192 3. NM Not meaningful Reclassified to conform to the current period's presentation. except as otherwise noted) 4Q 2011 Net Interest Revenue Non-Interest Revenue $ Total Revenues. Page 21 .396) NM Income from Continuing Operations (41) (312) (427) (55) (831) NM NM (728) (1. Corporate Treasury.

547 (811) (17) 14 1.353 1.790 29.161 2.292 1.135 1.348 641 1.666 (4%) 20% 6.554 (29) 6. Page 22 .627 $ 7.811 7.318 7.391 635 (1%) (1%) (3%) 2% (4%) 3% NM 5% 6.448 7.546 1.161 29.539 $ 1.111 2.810 $ 7.05% $ 632 0.370 (574) (15) 19 1.068 2.555 5.432 7.187 7.323 (5%) Citi Retail Services Global Consumer Banking Securities and Banking Transaction Services 1.677 31% Citi-Branded Cards Retail Banking $ 2.726 7.038 733 763 800 1.334 Income from Continuing Operations before Taxes 722 2.010 2.816 $ 7.252 12% Average Assets (in billions of dollars) Return on Average Assets $ 584 0.816 (827) 36 13 1.079 1Q 2012 $ 5. except as otherwise noted) 4Q 2011 Net Interest Revenue Non-Interest Revenue $ Total Revenues.002 163 100 (23%) (30%) (17%) 6% NM 47% 4.779 (1%) - 1.887 463 $ Income (loss) from Continuing Operations by Business Retail Banking $ Citi-Branded Cards 501 Citi Retail Services 279 Global Consumer Banking Securities and Banking Transaction Services 944 (441) 68 Total $ 571 607 $ 428 571 1.517) 31 70 (32%) 40% (70%) 13% (25%) 1.316 20. Reclassified to conform to the current period's presentation.365 2.652 (7) Net Income $ 568 $ 1.498 1% 1. Net of Interest Expense Total Operating Expenses Net Credit Losses Credit Reserve Build / (Release) Provision Unfunded Lending Commitments Provision for Benefits & Claims Provision for Credit Losses and for Benefits and Claims 5.104 2. (3) Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.198 1.04% $ 614 1.115 $ 30.652 $ $ 5.926 665 1.432 4.CITICORP North America (1) (In millions of dollars.265 (23%) NM 6.317 128 126 1.405 $ 5.749 17. See page 21 for Corporate/Other results.478 5.647 $ 1.730 8.918 4Q 2012 $ 4Q12 Increase (Decrease) from 3Q12 4Q11 5.464 7.439 623 1.558 2.046 (1.159 7.18% $ 626 1.571 $ 1.081 6.490 (4.161 17.321 2.670 (1%) 8% 15% - 30.346 1.044 415 4.081 21.628 $ 1.571 32 1.659 $ 1.187 4.636 9% Income Taxes 151 540 707 694 399 (43%) NM 2.595 $ FY 2012 vs.566 8.614 5.011 470 18% (3%) 13% 1.203) 103 62 5.95% $ 616 1.343 7.808 10 1.895 2Q 2012 $ 3Q 2012 5.564 (839) 19 19 1.750 (2. (2) See Note (1) on page 4.444 6.01% 5% 1.402 1.134 1% (1%) 8.269 (293) 44 18 (7%) 49% NM (5%) (30%) 65% 22% 38% 8.938 1% (8%) 6.919 8.296 13% 1.346 1.79% 1% 8% $ 588 0.720 2% (10%) 6% 59% Full Year 2011 $ Full Year 2012 21.111 2.138) NM 18% $ 6% $ Total CVA/DVA {included as applicable in businesses above} (2) Total Revenues .583 $ 6.300 232 120 1.502 5.237 NM 2.749 (1%) 24% NM 1.452 3.672 7.372 4.372 (1%) 15% 30.564 (4%) 5% (19%) 5% 6.340 (1%) Income from Continuing Operations Noncontrolling Interests 571 3 1.808 $ 1.481 1.515 2.Excluding CVA/DVA (3) (52) $ (629) 99 (346) (262) 6.113 $ Revenue by Business 1.256 (24%) NM $ 5.39% $ 593 1.546 5. FY 2011 Increase/ (Decrease) 21.652 1.464 4.634 (2%) 164 $ 331 $ 335 $ 340 $ 231 (32%) 41% 474 (17%) (5%) 29.736 $ $ 5.296 44 13% NM 1.484 $ 7.196 488 124 1.554 $ (1) Regional results do not include Corporate/Other.815 1.080 (3%) 379 433 389 297 (24%) 6% 1.265 9 (23%) NM NM NM 5.038 30% - 4.664 (29%) NM 7.095 1.798 $ 1.167 660 605 1.726 4.151 2.392 $ 1.

155 6.425 378 1.101 (156) $ 2.219 858 $ CVA/DVA {included as applicable in businesses above} (2) Total Revenues . (3) Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.226 1.961 1.954 894 $ (18) $ 2.425 2.354 11% (17%) 11.285 1.580 (20%) (1) Regional results do not include Corporate/Other.292 795 (38%) 820 28 714 22 639 23 407 16 (36%) (30%) (7%) (27%) 3.133 (7) Income from Continuing Operations Noncontrolling Interests 2Q 2012 439 22 (9) 1.CITICORP EMEA (1) (In millions of dollars.225 82 2.08% $ 298 0. (2) See Note (1) on page 4.853 (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 - Provision for Credit Losses and for Benefits and Claims (40) 432 Income Taxes 1.905 381 1.486 $ 12.000 1. See page 21 for Corporate/Other results.343 885 3% (11%) 2% 12% 10% 3% 1.123 (5%) 13% 8% 4% $ Full Year 2012 4.55% $ 295 1.85% - $ 199 149 $ 222 156 $ 214 152 $ 223 158 $ 230 161 3% 2% 16% 8% $ 890 668 $ 889 627 (6%) 391 1. Page 23 .511 867 $ 2 $ 2.580 89 (20%) 9% Net Income $ 417 $ 792 $ 692 $ 616 $ 391 (37%) (6%) $ 3.Excluding CVA/DVA (3) 2.333 1.903 2.619 2.226 366 1. Net of Interest Expense Total Operating Expenses 1Q 2012 1.53% 4% (3%) $ 293 1.879 Full Year 2011 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 1.097) NM (11%) 14% $ 12.491 (21%) Average Assets (in billions of dollars) Return on Average Assets $ 300 0. FY 2011 Increase/ (Decrease) 5.619 (5%) 8% 11.251 $ 2.244 (52%) NM (32%) 10% NM $ 3.509 (6%) 54% NM (1.509 7.775 1. NM Not meaningful Reclassified to conform to the current period's presentation.606 7% $ Revenue by Business Retail Banking Citi-Branded Cards Regional Consumer Banking Securities and Banking Transaction Services Total 348 1.641 $ 12.796 $ Income (loss) from Continuing Operations by Business Retail Banking $ Citi-Branded Cards Regional Consumer Banking Securities and Banking Transaction Services 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 2.961 FY 2012 vs.033 Net Credit Losses Credit Reserve Build / (Release) Provision Unfunded Lending Commitments Provision for Benefits & Claims $ 3.759 1.900 3Q 2012 112 (164) Income from Continuing Operations before Taxes 132 (11) 1.694 $ 2.93% $ 281 0. except as otherwise noted) 4Q 2011 Net Interest Revenue Non-Interest Revenue $ Total Revenues.265 7.417 3.07% $ 292 0.443 3.174 1.516 6.609 930 $ (601) $ 3.517 NM NM 3.130 (37) $ 63 (18) 1.87% $ 292 0.827 2.576 (3%) (11%) 3% 2.211 1.286 4% (13%) 14% 3% 2.375 (25%) 313 312 250 (80) NM NM 1.225 $ 2.474 $ 2.759 $ (342) $ 3.905 1.143 $ 2.558 7.265 $ 469 11.026 889 169 NM NM 327 (63%) (24%) (213) 281 4.624 7.326 1.354 1.221 3.890 1.

472 (6) 9% NM Net Income $ 706 $ 895 $ 842 $ 925 $ 816 (12%) 16% $ 3. See page 21 for Corporate/Other results.370 1.802 3.532 $ 3.350 579 413 $ CVA/DVA {included as applicable in businesses above} (2) Total Revenues .785 3.507 $ 14.469 2. FY 2011 Increase/ (Decrease) 9.05% $ 169 2. except as otherwise noted) 4Q 2011 Net Interest Revenue Non-Interest Revenue $ Total Revenues.684 202 $ 202 $ 223 $ 214 $ - 10% NM NM - 11% $ $ 45 (21) 7% NM 13.478 9% Average Assets (in billions of dollars) Return on Average Assets $ 162 1.671 $ 3.882 24% 14.766 3.86% 4% 8% $ 170 1. NM Not meaningful Reclassified to conform to the current period's presentation.647 1.192 $ 3.378 944 $ 1.488 1.708 8% Income Taxes 208 369 342 383 142 (63%) (32%) 1.419 802 447 $ 2 3.001 $ 5.452 967 $ 1.88% $ 169 2.441 755 451 $ 19 $ 3.CITICORP LATIN AMERICA (1) (In millions of dollars.019 1.668 1.823 3.879 3.468 4.705 (163) 1.669 2.669 (15) 3.191 $ 3.552 $ 14. Net of Interest Expense Total Operating Expenses Net Credit Losses Credit Reserve Build / (Release) Provision Unfunded Lending Commitments Provision for Benefits & Claims 1Q 2012 2.16% $ 165 2.534 1.342 2.335 1.552 7.647 2.652 $ 3.308 955 (27%) 4% 4.165 4% (7%) 6% 19% 16% 10% 13% 3.409 1.504 1.713 $ 9.518 Revenue by Business Retail Banking Citi-Branded Cards Regional Consumer Banking Securities and Banking Transaction Services Total 2.547 Provision for Credit Losses and for Benefits and Claims 548 581 568 537 594 11% 8% 1.607 3. Page 24 .73% $ 167 2.007 $ 1.342 4.264 1.534 2.322 757 455 $ (5) 3.578 974 639 $ 1.448 993 $ 1.199 $ 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 2.520 705 444 4% (12%) (1%) 7% 22% 8% $ 9.518 7.18% $ 175 1.936 5% (2%) 2.510 1.Excluding CVA/DVA (3) 3. (2) See Note (1) on page 4.808 305 6% NM (9) 130 167 100% 28% 37% 13.797 2% 27% 5% $ 13.308 654 (4%) 34% 2% 813 (12%) 15% $ 3.342 1. (3) Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.151 1.181 1.259 $ 3Q 2012 2.280 Income from Continuing Operations before Taxes 915 1.236 7% Income from Continuing Operations Noncontrolling Interests 707 1 895 - 839 (3) 925 - 813 (3) (12%) - 15% NM 3.259 $ 2.06% (1%) $ 1.539 8% 902 $ 861 (5%) 649 (4%) Income from Continuing Operations by Business Retail Banking $ Citi-Branded Cards Regional Consumer Banking Securities and Banking Transaction Services 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%) $ 1.360 982 $ 2Q 2012 2.663 2.702 3.323 $ 3.120 458 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 9.636 4.530 7% - 1.343 1.388 1.032 2% 7% 11% 2% $ 5.945 $ FY 2012 vs.191 (1) 3.472 9% 707 $ 895 $ 839 $ 925 $ 676 (1) Regional results do not include Corporate/Other.668 $ (3) 3.

527 $ 4.03% $ 353 0.188 (4%) 3% 1.274 2.219 8.165 $ 3.127 (6%) (8%) (3%) 737 (20%) 16% 3.960 $ 3. NM Not meaningful Reclassified to conform to the current period's presentation.047 $ 15.195 709 $ 969 828 (19%) 17% 397 75 265 (12%) (61%) (7%) (3%) NM (4%) 1.Excluding CVA/DVA (3) 3.CITICORP ASIA (1) (In millions of dollars.038 (1%) 29% NM Revenue by Business Retail Banking Citi-Branded Cards Regional Consumer Banking Securities and Banking Transaction Services Total 2.889 (1%) - 3.818 2.044 Income Taxes 317 417 408 332 Income from Continuing Operations Noncontrolling Interests 636 1 1.166 826 (2%) 4% (4%) 2% $ 4.504 1.948 1.717 2.464 (4%) 737 1 (20%) - 16% - 3.746 (5%) Income from Continuing Operations by Business Retail Banking Citi-Branded Cards Regional Consumer Banking Securities and Banking Transaction Services Total 410 (51) 277 $ 636 503 307 302 $ 1.278 $ 15.608 (6%) 2% $ 15.009 4.177 209 82 191 53 230 31 317 (103) 247 (27) (22%) 74% 18% NM 902 (46) 985 (46) 9% - Provision for Unfunded Lending Commitments Provision for Benefits & Claims - - - - - - - - - - Provision for Credit Losses and for Benefits and Claims 291 244 261 214 220 Income from Continuing Operations before Taxes 953 1. (2) See Note (1) on page 4.13% $ 352 1.992 854 685 1% (16%) (5%) (1%) 16% (8%) 7.904 895 1.727 3.978 1.220 777 $ 1.186 792 $ 1.936 $ 15.825 $ 3. Net of Interest Expense Total Operating Expenses 1Q 2012 2. (3) Presentation of this metric excluding CVA/DVA is a non-GAAP financial measure.964 $ (1) Regional results do not include Corporate/Other.529 1.018 721 $ 95 3.214 806 $ 1.166 1.521 1.485 5.964 4 3.915 4.112 448 250 274 $ 972 449 190 286 $ 925 $ 1.238 $ 2Q 2012 2.06% 1% $ 1.343 (3%) 1% 15.576 $ 1% (13%) (5%) 11% 3.111 $ 971 $ 924 $ 736 (20%) 16% $ 3.260 3.257 1.370 Full Year 2011 3% (24%) 856 939 10% (17%) 10% 5.219 $ 172 (231) NM $ 3.997 1.112 1 972 1 925 1 Net Credit Losses Credit Reserve Build / (Release) 3. See page 21 for Corporate/Other results.161 1.218 757 $ (23) 3.920 (1%) (2%) (1%) 3.695 6.266 1.155 793 $ 1.113 757 $ (141) 3.742 (6%) Average Assets (in billions of dollars) Return on Average Assets $ 344 0.797 822 1.83% (1%) 3% $ 350 1.504 2.652 $ 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 2.227 1.141 1.745 $ 3Q 2012 2.267 (5%) 1% 1% - $ Full Year 2012 8.038 8.723 $ 3.972 1.878 FY 2012 vs.927 3.746 4 (5%) - Net Income $ 635 $ 1.11% $ 356 1.531 2.246 2.941 6.717 $ (108) (77) 8.73% $ 345 1.531 (5%) 1% 15. except as otherwise noted) 4Q 2011 Net Interest Revenue Non-Interest Revenue $ Total Revenues.818 1. FY 2011 Increase/ (Decrease) 8.210 (5%) 307 (8%) (3%) 1.113 $ 3.199 3.972 2.30% $ 352 1.380 1. Page 25 .269 1% $ 237 173 $ 300 203 $ 237 211 $ 247 202 $ 185 212 (25%) 5% (22%) 23% $ 1.203 2.082 $ 4.020 736 748 $ CVA/DVA {included as applicable in businesses above} (2) Total Revenues .

314) (1.972) (76%) (490) (650) (619) (2.225 1. except as otherwise noted) 4Q 2011 Revenues Net interest revenue Non-interest revenue Total revenues. There was a corresponding approximately $600 million release in the third quarter of 2012 allowance for loan losses related to these charge-offs. Page 26 .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.807 (797) 972 46 (46%) NM (36%) NM 8.178 1% (3%) NM 2% 13% (18%) NM 14% 5.055) - (100%) 70% 20% 119 $ (4.538) (6.CITI HOLDINGS STATEMENT OF INCOME AND BALANCE SHEET DATA (In millions of dollars.253 (19%) (1.219 1.855 1.127) (4.010 160 (16) 1.410) (833) (30%) NM NM 1.690) $ 627 432 1.088 $ 701 173 874 $ 3Q 2012 581 343 924 $ 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 668 (4.464 5. respectively.034) (1.472) (671) 73% (37%) (2.607 35% (13%) 6. There was a corresponding approximately $350 million release in the first quarter of 2012 allowance for loan losses related to these charge-offs.683 2.576 (3.055) 70% 20% (4. third quarter of 2012 and fourth quarter of 2012 includes $(16) million.271 Full Year 2012 $ FY 2012 vs.560) (60%) 1 $ 2Q 2012 (1.291 651 (56) 4.154 1.037 4.037 1.024) (919) (3. (3) The fourth quarter of 2011.315) 2 $ (1.551) (32%) 53% 900 188 (51) 1.329 (250) 1.018 155 5 1.277) 5.329 1. first quarter of 2012. second quarter of 2012.726) 71% 4% (6.184 171 (26) 1.412) NM (1. NM Not meaningful Reclassified to conform to the current period's presentation.237 1.S. of builds (releases) related to gains/(losses) on loan sales.562) $ (1.734 (550) 1.674) (1.222) 3 $ (6.886 (19%) (16%) (37%) (19%) 1.512 (612) 1. FY 2011 Increase/ (Decrease) 2. $73 million. The fourth quarter of 2012 includes a benefit of approximately $40 million to charge offs related to finalizing the impact of this OCC guidance.103) (6. net of interest expense $ Provisions for Credit Losses and for Benefits and Claims Net Credit Losses (1) (2) Credit Reserve Build / (Release) (1) (2) (3) Provision for loan losses Provision for Benefits & Claims Provision for unfunded lending commitments Total provisions for credit losses and for benefits and claims Total operating expenses Income (Loss) from Continuing Operations before Income Taxes Provision (benefits) for income taxes Income (Loss) from Continuing Operations Noncontrolling Interests Citi Holding's Net Income (Loss) 1Q 2012 843 245 1.577 (3.026) 1 - $ (920) $ (3. (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.588 6.059 (6%) NM NM (26%) 76% (3%) Full Year 2011 $ 3.079 165 (19) 1.842 (1.804) (1.562) (1.230) (10.358) (3. $60 million.190 1.299 779 (41) 6. $32 million and $100 million. Bankruptcy Code to be written down to collateral value.

687) (4.699) 462 NM (37%) (1) - (100%) 67% (100%) 100% (1) NM (5.228) NM NM (4.160) NM NM Income Taxes (benefits) (63) (66) (15) (1.193) NM (67%) NM (1) Third quarter of 2012 includes the recognition of a $3.970) Income (loss) from Continuing Operations (93) (136) (24) (3. Page 27 . Net of Interest Expense (1) Total Operating Expenses 1Q 2012 (48) 91 $ 43 180 Net Credit Losses Credit Reserve Build / (Release) Provision for Benefits & Claims Provision for Unfunded Lending Commitments Provision for Loan Losses and for Benefits and Claims 19 (156) (129) 83 $ (46) 157 20 (1) Income (loss) from Continuing Operations before Taxes 2Q 2012 3Q 2012 (122) 209 $ 87 126 (1) (1) $ - - (202) (117) (4.344 million. Third quarter of 2012 also includes a non-cash charge of $1.CITI HOLDINGS BROKERAGE AND ASSET MANAGEMENT (In millions of dollars.190) - (100%) 100% Noncontrolling Interests (1) 1 1 1 Net Income (Loss) $ (92) $ (137) $ (25) $ (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). FY 2011 Increase/ (Decrease) (471) (4.019) $ (12) 100% 87% EOP Assets (in billions of dollars) $ 27 $ 26 $ 21 $ 9 $ 9 - (67%) EOP Deposits (in billions of dollars) $ 55 $ 55 $ 55 $ 58 $ 59 2% 7% 9 $ (295) 3 $ (3.804) 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) (4.018) (12) 100% 87% (286) (3. representing a loss on Citi's sale of the 14% interest in the MSSB JV to Morgan Stanley. NM Not meaningful Reclassified to conform to the current period's presentation. except as otherwise noted) 4Q 2011 Net Interest Revenue Non-Interest Revenue $ Total Revenues.888) (31) 99% 80% (495) FY 2012 vs.870) (19) 99% 70% (209) (1.

289 (186) 165 - 1.193) 28% (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.366 4.419) 731 - 5.005 (9%) (21%) $ 5. Bankruptcy Code to be written down to collateral value.824 (760) 160 - 1.752 $ 74 $ 1. FY 2011 Increase/ (Decrease) 3.618) (1.413) 2 (3.204) 2 (633) 1 (821) - (694) (1) (1. Page 28 . There was a corresponding approximately $350 million release in the first quarter of 2012 allowance for loan losses related to these charge-offs.326 $ 931 $ 1. $60 million.703 $ 1.442 4.S.870 (22%) Income (Loss) from Continuing Operations by Business International $ North America Total Income (Loss) from Continuing Operations (235) $ (969) $ (1.403 1.31% 4.824 $ 90 (26%) (53%) 915 (46%) (32%) 1.45% Revenue by Business International North America $ 251 1.465 (20%) (18%) 1.289 1.581 $ 1. The fourth quarter of 2012 includes a benefit of approximately $40 million to charge offs related to finalizing the impact of this OCC guidance.045) - (51%) 100% 13% (100%) (4.919) 18% (3.447 7.870 (1.135 1.005 1. of builds (releases) related to gains/(losses) on loan sales.005 56 155 - (45%) NM (3%) - (35%) NM (8%) - 7. (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.403) (2.028 $ 359 967 $ 157 774 $ 147 957 $ 113 892 (23%) (7%) (55%) (13%) $ 912 4.335 1.816) (5.366 (20%) 193 $ 171 $ 154 $ 121 $ $ 1.530 $ 776 3.535 (426) 168 - 1.442 5.442 $ 4. third quarter of 2012 and fourth quarter of 2012 includes $(16) million.111 Income (loss) from Continuing Operations before Taxes (1.017) 16% (1.504 (1.24% 5. $73 million.342 $ 1.104 $ 1.268 1. There was a corresponding approximately $600 million release in the third quarter of 2012 allowance for loan losses related to these charge-offs.045) Income Taxes (benefits) Income (loss) from Continuing Operations Noncontrolling Interests Net Income (Loss) $ $ (634) $ (821) $ (693) $ (51%) 13% $ Average Assets (in billions of dollars) $ 166 $ 157 $ 143 $ 136 $ 131 (4%) (21%) $ 186 $ 142 (24%) EOP Assets (in billions of dollars) $ 157 $ 147 $ 138 $ 134 $ 126 (6%) (20%) Net Credit Losses as a % of Average Loans (1.279 $ 1.504 $ 5.268 1.204) (707) $ (633) (97) $ (724) $ (821) (101) $ (593) $ (694) $ (873) $ (3.206) 4.410) 651 - (22%) 1% (11%) (25%) Provision for Loan Losses and for Benefits and Claims 1. NM Not meaningful Reclassified to conform to the current period's presentation. second quarter of 2012.413) $ (274) 69% (2.CITI HOLDINGS LOCAL CONSUMER LENDING Page 1 (In millions of dollars.645) (49%) (2%) (6.174 $ FY 2012 vs. Net of Interest Expense Total Operating Expenses Net Credit Losses (1) (2) Credit Reserve Build / (Release) (1) (2) (3) Provision for Benefits & Claims Provision for Unfunded Lending Commitments 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 4.382) (1. first quarter of 2012.540) $ (4.045 1. $32 million and $100 million.104 987 1.816 5.535 1.590 (15%) (21%) Total Revenues $ 1.107) (1.279 1.045) (51%) 13% 6.326 999 931 1.193) 28% 3.216 (1%) (5%) 6.210) 24% (414) (443) (561) (413) (600) (45%) (45%) (2. respectively.620 1.031 (22%) (12%) 1.193) - 28% (100%) (1.334 (17%) 5.277 1. except as otherwise noted) 4Q 2011 Net Interest Revenue Non-Interest Revenue $ Total Revenues.752 (520) 171 - 1.09% 5.96% (4.224 1. (3) The fourth quarter of 2011.434 (9%) 45% (21%) (11%) 5.076) (1.057 $ 536 (49%) Net Credit Losses by Business International $ North America Total Net Credit Losses 1.005 (45%) (35%) $ (150) (49%) 36% $ (895) (51%) 8% (1.415) $ (3.

0 $ 8.66% (30%) (61%) Net Credit Losses As a % of Average Loans $ 193 5.16% $ 4.4 1.71% $ 4.6 $ 9.73% $ 5.1 1.10% $ 96 4.87% 436 4.7 0.54% (2%) (7%) Net Credit Losses As a % of Average Loans $ 1.342 4.991 4.75% $ 4.29% $ 3.90% $ 5.0 2.21% $ 1.35% $ 90 4.62% 519 3. Page 29 .47% $ 688 2.1 (4%) (15%) Net Interest Revenue As a % of Average Loans $ 737 2.94% $ 138 6.6 0.1 1.9 2.564 (1%) Average Loans (in billions of dollars) Branches (actual) $ 1.720 $ 117.6 (7%) (4%) (75%) (38%) (14%) (16%) (7%) (80%) (69%) (30%) $ 394 $ 357 $ 357 $ $ Net Interest Revenue As a % of Average Loans $ 248 6. except as otherwise noted) 4Q12 Increase 4Q 2011 1Q 2012 2Q 2012 3Q 2012 (Decrease) from 3Q12 4Q11 4Q 2012 International Key Indicators Branches (actual) Average Loans (in billions) (1) EOP Loans (1): Real Estate Lending Cards Commercial Markets Personal and Other EOP Loans (in billions of dollars) 95 (73%) (76%) $ 14.5 1.608 4.5 0.8 7.41% (7%) (21%) Loans 30-89 Days Past Due (2) (3) As a % of EOP Loans $ 4.0 10.27% $ 701 2.91% $ As a % of EOP Loans 499 4.5 2.83% $ 261 9.427 4.649 4.220 4.7 1.95% 393 5.Page 2 (In millions of dollars.2 2.54% $ 4.161 3.7 $ 9.17% North America Key Indicators (1) 1. EOP loans and the related consumer delinquency amounts and ratios include interest and fees receivables balances.135 3.3 8.1 $ 105.37% (26%) (53%) Loans 90+ Days Past Due $ 422 $ 428 $ 363 $ 366 $ 345 (6%) (18%) (10%) (21%) (10%) As a % of EOP Loans Loans 30-89 Days Past Due 3.43% $ 154 6.8 $ 4.6 0.581 5.317 4.5 2.CITI HOLDINGS LOCAL CONSUMER LENDING .20% $ 4.11% $ 1.21% $ 662 2.26% $ 671 2.6 $ 109.2 (9%) (43%) $ 5.8 $ 4.81% $ 118 4.4 $ 122.58% $ 4.9 $ 118.90% $ 1.09% 453 4.079 3.9 $ 114.592 $ 112.6 2.5 2.7 (4%) (17%) EOP Loans (in billions of dollars) $ 123.7 9.729 129. (2) See Note 1 on page 30. (3) See Note 2 on page 30.6 10.71% $ 4.3 $ 4.45% $ 121 5.7 0.32% $ 171 6. NM Not meaningful Reclassified to conform to the current period's presentation.4 395 $ 10.835 3.96% (11%) (18%) (1) Average loans.93% $ 4.05% $ 4.582 $ 107.703 6.2 $ 4.38% (46%) (32%) Loans 90+ Days Past Due (2) (3) As a % of EOP Loans $ 5.266 4.1 0.01% $ 915 3.

2012. of loans that are carried at fair value.3 billion.2 billion) and $1.1 billion) as of December 31.773 3.113 822 3.1 81.3 267 1. agencies.3 billion.6 282 1.10% 426 448 874 $ $ $ $ $ $ $ $ $ $ $ $ $ 59.9 94.778 5.96% $ $ $ 3. 2012.9 35.72% 64.1 (5%) (5%) (5%) (14%) (14%) (14%) 57.3 billion and ($7.08% $ 3.12% 266 2.4 billion and ($7.S.02% (2%) (1%) - (9%) (8%) (3%) (6%) (27%) 2% (18%) (2%) (15%) $ 3.51% 354 3.6 103. The amounts excluded for Loans 30-89 Days Past Due and (EOP Loans) for each period were.8 $ 168. 2012.25% 239 2.1 118. in billions) Net Servicing & Gain/(Loss) on Sale Net Interest Revenue on Loans As a % of Avg.33% 11.05% 3. 2012.19% $ 4.135 724 3.2 billion and $1.92% $ 3.0 500 19.0 10.7 10.2 488 19. 2011.3 billion and ($7. government-sponsored agencies since the potential loss predominantly resides with the U. Loans Net Credit Losses As a % of Avg.42% $ $ $ $ $ $ $ $ $ $ 3.4 billion). 2012.50% 320 3.003 4.859 4.2 billion and ($7. Loans 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 Average Loans (in billions of dollars) EOP Loans (in billions of dollars) Net Interest Revenue on Loans As a % of Avg. Loans Loans 90+ Days Past Due As a % of EOP Loans Loans 30-89 Days Past Due As a % of EOP Loans $ 3.S.95% $ $ $ $ $ $ $ $ $ $ 3.2 billion.2 34.912 630 3.4 billion).8 109. respectively. 2011.2 billion.485 $ 367 355 722 (41%) (59%) (51%) (11%) (33%) (24%) 3. March 31.99% 10. 2011.46% 183 7.3 302 1.029 744 3.015 4.71% (9%) (1%) (8%) (21%) (18%) (20%) 2. Loans $ $ $ 195.306 $ $ As a % of Avg.326 689 4.80% 206 2.253 4. June 30.2 37.5 $ $ 66.7 billion).3 billion and ($7.8 (4%) (4%) (4%) (15%) (15%) (15%) $ $ $ 155.4 95.89% $ 172 6. mortgage loans that are guaranteed by U. September 30. June 30.1 billion) as of December 31.9 102.3 77.6 $ $ 67.4 499 18. $1.2 10.1 499 19.637 5.61% 200 1. March 31.5 billion and ($7. 2012.875 903 4.1 $ $ 65.9 billion).9 517 18.9 billion).Page 3 (In millions of dollars. NM Not meaningful Reclassified to conform to the current period's presentation. $1.1 255 0.2 99. respectively.272 4.3 billion and ($7.19% (8%) (5%) (7%) (27%) (34%) 11% $ 622 863 1.6 37.2) 278 1.06% 208 8. $1.1 $ 62.01% $ $ $ Residential First Home Equity Net Credit Losses $ 412 533 945 $ 745 561 1.7 34. 2012.44% $ 62.5 40.439 833 4.6 39. $1.CITI HOLDINGS LOCAL CONSUMER LENDING .05% $ $ $ $ $ $ $ (1) The Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes U.62% $ $ $ $ 10.542 4.7 billion).6 $ $ Third Party Mortgage Serv Portfolio (EOP. $1.930 1.4 (124.76% 226 8.9 77.14% 283 2.8 40.02% 3. respectively.6 $ 5. (2) The December 31.3 $ $ 59. $4.5 106.23% $ 10.92% $ $ $ 182.3 10. 2012 and December 31. 2012 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes $1. Page 30 .65% 236 8. except as otherwise noted) 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 Average Loans (in billions of dollars) $ $ Residential First Home Equity EOP Loans (in billions of dollars) $ $ 68. $1.08% 179 1. $4. March 31.0 36.0 10.0 107.4 billion and ($7.90% $ 202 2.84% $ 290 2.935 4.S.24% (12%) (9%) (12%) (14%) (27%) (17%) 10.6 98.04% 3.773 864 4.99% 3. $4. 2012 and September 30. The amounts excluded for Loans 90+Days Past Due and (EOP Loans) for each period were $4. 2012 and December 31. June 30.1 91.22% $ $ $ 142.0 billion and ($7.0 38.1 billion and ($7. September 30. $1.2 billion) and $4.933 5.392 861 4.

FY 2011 Increase/ (Decrease) $ 488 $ - NM Not meaningful Reclassified to conform to the current period's presentation. except as otherwise noted) 4Q 2011 Net Interest Revenue Non-Interest Revenue $ Total Revenues.068 (1. Page 31 .CITI HOLDINGS SPECIAL ASSET POOL (In millions of dollars.081 (602) NM NM 485 (425) NM (99%) NM 596 (177) NM - - 108 - (100%) (177) NM Net Income (Loss) $ (17) $ (255) $ (74) $ 150 $ 2 (99%) NM EOP Assets (in billions of dollars) $ 41 $ 36 $ 32 $ 28 $ 21 (25%) (49%) (827) FY 2012 vs.855) (40) (287) (213) 29% NM (500) 326 NM 11% (28) (140) (56) NM 92% (40%) (224) 73% 1. Net of Interest Expense Total Operating Expenses 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 Credit Reserve Build / (Release) Provision for Benefits & Claims Provision for Unfunded Lending Commitments (23) (186) (50) (18) (29) (26) 40 (64) (19) (17) (37) (16) (33) (10) 5 (94%) 73% NM (43%) 95% NM Provision for Loan Losses and for Benefits and Claims (259) (73) (43) (70) (38) 46% 85% Income from Continuing Operations before Taxes (30) (396) (117) (39) (50) (28%) (67%) Income Taxes (13) (141) (43) (189) (52) 72% Income from Continuing Operations (17) (255) (74) 150 2 - - - - Noncontrolling Interests - Full Year 2011 $ Full Year 2012 (405) 952 $ 547 293 1.

647 318.62% 3.224 $ 12.834 1.287 2.070 $ 16.31% 1.97% 223.68% 7.499 $ 1.624 1.81% Liabilities: Deposits (excluding deposit insurance and FDIC Assessment) Deposit Insurance and FDIC Assessment Total Deposits 686.817 76. Excludes hybrid financial instruments with changes recorded in Principal Transactions.839 37.290 Fourth Quarter 2012 (5) $ 149.67% 2.18% 0.663 1.124 Fourth Quarter 2011 Interest Third Quarter 2012 Fourth Quarter 2012 (5) $ $ $ 408 942 1.579 $ 1.894 288.189 Average Volumes Third Quarter 2012 $ 160.58% 7.S.370.26% 0.988 248. $136 million for the third quarter of 2012 and $133 million for the fourth quarter of 2012.827 2.913 740.26% 4.490 303 1.34% 0.941 1.590 2.422.398.793 1.911 4.792 649.63% 3.024 731 65 157 2.437 116.87% 0.827 - $ 1.73% 1.184 144 % Average Rate (4) Third Fourth Quarter Quarter 2012 (5) 2012 Fourth Quarter 2011 275 748 1.54% 0.84% 2.23% 0.973 1.11% 2.14% 0.69% $ 1.932 302.59% 1.571 39.56% 7.172 656 39 163 1.950 12. Preliminary.05% 4.03% 0.712 $ 5.067 - 686.01% 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.735 272.34% $ 1.677.317 229.93% 3.422.675 713 46 173 2. Interest Expense includes the taxable equivalent adjustments (based on the U.398.AVERAGE BALANCES AND INTEREST RATES (1)(2)(3)(4) Taxable Equivalent Basis Fourth Quarter 2011 In millions of dollars.051 $ 5.34% $ 1.36% 1.756 221. (2) (3) (4) (5) (6) (7) (8) (9) Citigroup average balances and interest rates include both domestic and international operations.669.41% 1.25% Net Interest Revenue as a % of Average Interest-Earning Assets (NIM) $ 12.570 $ 1.00% 0.666.99% 2. Interest expense on trading account liabilities of ICG is reported as a reduction of interest revenue.969 235.34% 1. the related interest excludes the impact of FIN 41. federal statutory tax rate of 35%) of $0 million for the fourth quarter of 2011.73% 1.499 $ 1.370.726 $ 4. Reclassified to conform to the current period's presentation and has been reclassified to exclude Discontinued Operations.582 $ 12.706 282.321 1.28% 0. Page 32 .43% 1.93% NIR as a % of Average Interest-Earning Assets (NIM) (excluding deposit insurance and FDIC Assessment) $ 12. Monthly averages have been used by certain subsidiaries where daily averages are unavailable.912 1.825 257.934 109. 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 $ 157.039 304.051 $ 5.682 268. federal statutory tax rate of 35%) of $141 million for the fourth quarter of 2011.913 - 740.016 $ 4.354 $ 4.513 $ 1.72% 1.S. respectively. Interest revenue and interest expense on cash collateral positions are reported in trading account assets and trading account liabilities.555 140 296 825 1.04% $ $ $ 732.622 290 $ 1. $5 million for the third quarter of 2012 and $4 million for the fourth quarter of 2012.86% 2.608 67.11% 2.20% 1.49% 1.20% 2.356 69. 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 41.079 47.33% 1.570 $ 1.688 653.90% 2.124 $ 17.623 104.946 247.067 732.699 645.344 $ 12.084 1.928 166 1. Nonperforming loans are included in the average loan balances.53% 3.32% 3. Average rate % is calculated as annualized interest over average volumes.726 358 $ 1.03% 1.30% 0.936 $ 17.958 12.960 11.023 256.054 $ 12.

5 $ 6.2 8. Dollars at the current exchange rate for all periods presented.8 112.3 $ 944.3 $ 119.1 44. Page 33 .Ex-FX (2) 7.7 $ 66.4 $ 922.6 (2%) 7% $ 54.8 $ 2.1 $ 337.6) $ 903.3 $ 842.7 $ 873.as Reported Impact of FX Translation (1) Total Citigroup EOP Deposits .8 $ 68.2 $ 928.5 399.6 (1%) 7% (2%) 7% FX Translation Impact: Total Citigroup EOP Deposits .8 $ 930.3 109.7 - 24% Total ICG Securities and Banking Transaction Services Total Citi Holdings Deposits Brokerage and Asset Management Local Consumer Lending 7.2 13.0 2% 10% Total Citigroup Deposits .6 (1) Reflects the impact of foreign exchange (FX) translation into U.6 $ 877.5 $ 114.0 $ 54.EOP $ 865.5 12.6 $ 930.0 2% 7% $ 110.7 0.4 408.0 5% 2% 3% (3%) 11% 9% 10% - $ 315.7 $ 153.3 $ 944.0 $ 914.7 $ 2.6 (2.9 393.2 $ 520.0 $ 914.S.4 $ 921. (2) Presentation of this metric excluding FX translation is a non-GAAP financial measure.6 (1%) 7% Total Citigroup Deposits .9 $ 906.6 $ 930.1 $ 324.3 113.4 425.7 Total Citi Holdings $ 61.1 $ 59.9 373.2 $ 944.1 $ 122.7 $ 58.9 1% 8% $ 865.8 46.1 (4%) 8% Corporate/Other $ 5.0 8.2 $ 3.1 110.1 $ 323.5 (11%) (52%) Total Citicorp $ 804.0 8. Reclassified to conform to the current period's presentation.4 8.8 $ 862.1 $ 165.1 $ 893.9 $ 906.6 $ 63.2 12.6 45.6 110.2 48.5 $ 156.7 (4%) (4%) 3% 10% $ 484.6 $ 55.9 47.8 12.8 $ 851.0 $ 516.3 2% 9% 8.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 Global Consumer Banking North America EMEA Latin America Asia $ 149.0 12.8 $ 544.9 $ 523.0 $ 869.7 $ 153.1 $ 330.3 $ 121.2 $ 62.Average $ 857.

7 154.6 67.7 25.5 7.1 8.4 $ $ $ 166.4 69.2 $ 514.2 140.7 90.4 40.9 4.8 41.1 4% 3% 3% 8% 20% 16% 20. Reclassified to conform to the current period's presentation. Page 34 .2 289.5 42.3 40.8 $ 14.4 228.0 284.4 3% 2% 2% (2%) 9% 3% $ 168.9 7.3 $ 145.3 219.2 (0.4 134.9 $ 13.7 1% 7% $ 539. Dollars at the current exchange rate for all periods presented.2 2% 3% 3% (5%) 10% (1%) 2.6 145.4 $ 14.3 $ 109. (2) Presentation of this metric excluding FX translation is a non-GAAP financial measure.9 4.6 37.3 26.0 $ 108.9 532.0 $ 2.9 67.3 43.0 286.2 6.0 4% 3% 7% 21% 16% 14.8) 513.3 (2%) (1%) 6% 25% 11% $ 539.7 $ 527.6 87.4 $ 13.1 $ 527.6 150.6 76.3 87.1 242.9 60.as Reported Impact of FX Translation (1) Total Citicorp EOP Loans .2 27.Ex-FX (2) $ $ $ $ $ $ $ $ $ $ $ $ Note: Certain small balance consumer loans included in the above lines are classified as Corporate Loans on the Consolidated Balance Sheet.6 $ 506. (1) Reflects the impact of foreign exchange (FX) translation into U.2 $ 506.7 4.0 $ 2.6 7.6 $ 536.0 287.9 5.3 89.0 75.1 2% 1% 1% 3% 4% 3% 149.6 $ 111.4 $ 146.6 244.8 295.2 $ 2.7 23.Page 1 CITICORP (In billions of dollars) 4Q 2011 1Q 2012 2Q 2012 3Q 2012 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 Citicorp: Global Consumer Banking North America Credit Cards Retail Banking Total $ 117.9 150.8 28.8 88.4 $ 19.2 $ 153.9 143.3 $ 2.7 $ 20.1 $ $ $ 172.6 $ 19.1 4.1 40.9 39.9 156.7 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 Securities and Banking Transaction Services Total Corporate Loans Total Citicorp FX Translation Impact: Total Citicorp EOP Loans .5 41.4 $ 109.1 38.5 247.5 $ 536.6 68.6 68.5 150.S.8 4.7 75.0 $ 514.2 $ 145.6 536.4 139.2 $ $ $ 159.7 511.6 4.EOP LOANS .0 69.3 $ 19.7 539.4 $ $ $ 158.

5 5.7 9.1 (4%) (11%) (1%) (4%) (15%) (40%) (8%) (15%) $ 2.5 - 1% - 1% Corporate Loans FX Translation Impact: Total Citigroup EOP Loans .2 660.8 4.9 245.4 118.8 (5%) (18%) Total Citigroup $ 647.8 3.8 $ 127.9 $ 103.4 $ 655.8 $ 3. (2) Presentation of this metric excluding FX translation is a non-GAAP financial measure. Reclassified to conform to the current period's presentation.2 $ 658.2 8.3 3.9 $ 4.1 109. (1) Reflects the impact of foreign exchange (FX) translation into U.5 5.0 $ 655.0 $ 658.9 123.3 Total Citi Holdings Consumer Loans 5.7 $ 408.6 $ 95.5 - 1% $ 647.2 $ 648.6 $ 133.as Reported Impact of FX Translation (1) Total Citigroup EOP Loans .0 5.7 - (3%) 246.3 $ 416.6 6.0 $ $ Total Citigroup 4.7 8.9 $ 250.0 105.9 $ 121. Dollars at the current exchange rate for all periods presented.7 $ $ Note: Certain small balance consumer loans included in the above lines are classified as Corporate Loans on the Consolidated Balance Sheet.6 6.7 10.5 10.1 $ 407.Other (Primarily SAP) 2.6 (4%) (18%) (14%) (7%) (37%) (30%) $ Local Consumer Lending .1 10.7 2.1 $ 409.0 $ 658.International Credit Cards Retail Banking Total $ $ Citi Holdings .6 4.9 $ 99.5 10.5 - 1% $ 423.4 658.2 4.1 7.5 655.0 $ 648.EOP LOANS .0) 647.2 114. Page 35 .0 $ 655.8 652.0 (1.Ex-FX (2) 223.2 231.S.6 10.9 10.8 $ 115.4 $ 655.3 10.2 $ 648.8 $ $ $ $ $ 2.1 (21%) (47%) 140.7 7.Page 2 CITI HOLDINGS AND TOTAL CITIGROUP (In billions of dollars) 4Q 2011 1Q 2012 2Q 2012 3Q 2012 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 Citi Holdings: Local Consumer Lending .0 $ 655.1 91.9 2.North America Real Estate Lending All Other Personal Total $ 107.8 (2%) 10% $ 647.4 $ 655.9 $ 3.

17% 219 0.13% $ $ 5.S.637 1.93% $ 408.Local Consumer Lending (2) (3) Ratio International Ratio North America (2) (3) Ratio Total Citigroup (excluding Special Asset Pool) (2) (3) Ratio $ 3.342 1.71% 982 1.19% $ $ 1Q 2012 $ 3.202 1.016 1.35% 845 2.2 billion.97% 43 1.974 4.63% 412 3.3 billion.7 345 4.Retail Services Ratio EMEA Ratio Latin America Ratio Asia Ratio Citi Holdings .SUPPLEMENTAL DETAIL CONSUMER LOANS 90+DAYS DELINQUENCY AMOUNTS AND RATIOS BUSINESS VIEW (In millions of dollars. (2) The 90+ Days Past Due and related ratios for North America RCB and North America Local Consumer Lending excludes U.221 1.998 2.07% 285 1. (3) The December 31. September 30.Citi-Branded Ratio North America .3 billion.38% 276 1.32% 951 2.082 1. net of unearned income.54% 405 2. of loans that are carried at fair value.07% 222 0.1 Reclassified to conform to the current period's presentation Page 36 . See North America Retail Consumer Banking on page 10 and Local Consumer Lending on page 30.06% 245 0.73% $ $ $ $ $ $ $ $ $ $ $ 9.40% 253 1.220 4.58% $ 7.14% 721 1.8 280 0.142 1.72% 50 1.47% 760 1.66% 413 2.55% 401 2.9 $ 14.6 $ 72.7 2. 2012.41% $ 7.1 $ 28. $1.14% 228 0.08% $ $ 5.33% $ 2.05% 882 0.1 7.10% 241 0. 2012 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes $1.499 1.20% 5.54% 4.15% $ 149.25% 2Q 2012 $ 3.61% $ 145.266 4.990 2.7 $ 5. respectively.66% 62 1. 2012.91% 5.68% 48 0.62% $ 291 0.42% $ 112.48% 405 2.47% 786 1. 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 .10% $ $ 4.17% 769 0.02% 322 1. $ $ $ $ $ $ $ $ $ $ 2.82% 220 1.63% 59 1.66% $ 422 3.38% 44 1.S. 2011.2 billion.54% $ $ $ $ $ $ $ $ $ $ $ EOP Loans 4Q 2012 4Q 2012 $ 295.2 billion and $1.72% 1. March 31.32% $ 2.444 2.22% 3Q 2012 $ 3.608 4.09% 843 0. mortgage loans that are guaranteed by U.05% 869 0.16% 4. $1. agencies.3 $ 69.9 $ 38.090 1.05% 716 1.611 4.36% $ 2.12% $ 3.024 1.63% $ 294 0.427 4.94% 324 1.87% 48 1.90% 4.30% 43 1.4 880 0.01% 214 1.255 2.406 1.70% $ 428 4.58% $ 235 0.01% $ (1) The ratio of 90+ Days Past Due is calculated based on end-of-period loans. $1.354 4. June 30.08% 721 1.96% 222 1.S.79% 234 1.4 4. government-sponsored agencies since the potential loss predominantly resides with the U.61% $ 260 0.96% 45 1.66% $ 363 3.693 1.6 $ 366 4.83% 224 1.14% $ $ 5.6 $ 105.71% $ $ $ $ $ $ $ $ $ $ 8.991 4.75% $ $ $ $ $ $ $ $ $ $ 8.53% 830 1.74% 49 1.36% $ 2.33% $ 42.849 4.648 4.8 $ 20. 2012 and December 31.

649 4. 2012.91% 321 1.324 2.71% 65 2.292 2.78% $ 1.24% 289 1. 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 $ 4.22% 440 0.S.34% $ 499 4.063 2.Citi-Branded Ratio North America .65% 744 1.Retail Services Ratio EMEA Ratio Latin America Ratio Asia Ratio Citi Holdings .154 0.68% $ 149. government-sponsored agencies since the potential loss predominantly resides with the U.385 1.078 1.040 0. September 30.737 1.60% 771 1.31% $ 3.12% 315 1.598 3.98% 1. $ $ $ $ $ $ $ $ $ $ 2.9 $ 14. June 30.539 1.51% 353 1.22% 444 0.3 $ 69.3 billion.Local Consumer Lending (2) (3) Ratio International Ratio North America (2) (3) Ratio Total Citigroup (excluding Special Asset Pool) (2) (3) Ratio $ $ $ $ $ $ $ $ $ $ $ 9.04% 323 1.02% $ 4.02% 852 2.24% 434 0.8 $ 20.54% 77 1.62% $ 223 0.726 1.112 0.63% $ 215 0.65% $ 230 0.694 1.S.25% 68 2. agencies.22% $ 3.22% 995 2. March 31.93% $ North America (2) Ratio EMEA Ratio Latin America Ratio Asia Ratio Cards Total Ratio North America .06% 789 2. See North America Retail Consumer Banking on page 10 and Local Consumer Lending on page 30.04% 63 2.6 $ 105.61% $ 2. of loans that are carried at fair value. (3) The December 31.47% 92 2.220 2. $1.032 1.34% 416 2.24% $ $ $ $ $ $ $ $ $ $ 8.19% 399 2.1 Reclassified to conform to the current period's presentation Page 37 .1 7.57% 79 1.84% 887 1.24% 426 2.S.05% $ 112. 2012 and December 31.509 1.6 $ 436 4.2 billion.61% $ 2.09% 4.06% $ $ $ $ $ $ $ $ $ $ 8.67% $ $ 5.50% 433 0.64% $ 2.032 0.079 3.29% $ 8.05% $ 519 5.77% $ 145. $1. 2012 Loans 90+ Days Past Due and 30-89 Days Past Due and related ratios excludes $1. 2011.400 1.17% 3.81% $ 1.397 1.10% $ 4.09% $ (1) The ratio of 30-89 Days Past Due is calculated based on end-of-period loans.03% 823 2.33% 61 2. 2012.449 1.6 $ 72.95% 4.54% 78 1.148 4.228 4.17% 432 2. mortgage loans that are guaranteed by U.7 3.161 3.2 billion and $1.63% 744 1. $1.40% 1.42% $ 3.03% $ $ $ $ $ $ $ $ $ $ $ 5.7 393 5.62% 4.57% 94 2.8 $ 213 0.83% $ 4.175 2.1 $ 28.74% $ 1.87% 4.66% $ 42.93% 334 1.18% 428 3.19% $ 295.9 $ 38. (2) The 30-89 Days Past Due and related ratios for North America RCB and North America Local Consumer Lending excludes U.71% $ 453 4.072 1.4 Retail Bank (2) Total Ratio $ 1. respectively.96% $ 7. net of unearned income.317 4.4 4.76% $ 1.94% $ 408.66% $ 183 0.25% 459 0.23% $ 3.98% 321 1.3 billion.049 0.92% 342 1.61% 412 1.614 4.2 billion.753 4.70% 316 1.94% 59 2.7 2.835 3.SUPPLEMENTAL DETAIL CONSUMER LOANS 30-89 DAYS DELINQUENCY AMOUNTS AND RATIOS BUSINESS VIEW (In millions of dollars.

623 $ 25. Page 38 .038 14. Bankruptcy Code to be written down to collateral value.979) (3.51% (204) 62 4. such as changes in the allowance from acquisitions.306 $ 12.979 3.115 $ 27.1 billion. 2012 and December 31.924 (227) $ 25. (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.611 14. Attribution of the allowance is made for analytical purposes only. of builds (releases) related to gains/(losses) on loan sales.69% (38) 30. 2012.ALLOWANCE FOR CREDIT LOSSES . (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.955) (3. (3) 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.846) 78% NM 16% 11% 11.979 $ 20% (2%) 25.3 billion.108 3.440) 2. $5.916 1.585 32 $ 29.104 $ $ 7 $ $ 28. June 30.714) 648 30.576 (27%) 76% NM 86% NM (8.020 15. There was a corresponding approximately $350 million release in the first quarter of 2012 allowance for loan losses related to these charge-offs.317) 741 (194) (933) (4) 31. 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 30.416 $ 30.275) $ 30.455 1. of loans which are carried at fair value.S. (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. NM Not meaningful Reclassified to conform to the current period's presentation.832 (1) Allowance for credit losses represents management's estimate of probable losses inherent in the portfolio.655 24% (19%) (16) 26.7 billion.S.611 2.S.916 (4.224 $ 27. There was a corresponding approximately $600 million release in the third quarter of 2012 allowance for loan losses related to these charge-offs.97% 30. excludes $5.910) 802 (1.828 (473) Allowance for Unfunded Lending Commitments (11) (a) 29.115 25% (8%) (932) $ 25. loan portfolios. loan portfolios and a reduction of approximately $200 million related to foreign currency translation.115 $ Total Allowance for Loan Losses as a Percentage of Total Loans (12) 25. $60 million.715 $ 4.714 $ 29. 2012. $5. $4. March 31.3 billion. 2012.115 16.108) (3.574 $ 31. and the entire allowance is available to absorb probable credit losses inherent in the portfolio.387 $ 12. (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. (5) Includes all adjustments to the allowance for credit losses. purchase accounting adjustments.038) (14. third quarter of 2012 and fourth quarter of 2012 includes $(16) million.574 3.020 (4.455 11.699 $ 13. etc. September 30. Leases and Unfunded Lending Commitments [Sum of (a)] $ (3.4 billion and $5.119 $ 1.92% Allowance for Loan Losses at End of Period (1): Citicorp $ Citi Holdings Total Citigroup 16.164) 3.097 $ $ 4. foreign currency translation.066) 4.955 3.611 (4.828 $ 14.136 Total Allowance for Loans.916 10.S.455 $ (17.576) 27% (23%) (25%) 20. (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. first quarter of 2012.251 (616) (375) 2.117 (868) (600) 2. loan portfolios. loan portfolios and a reduction of approximately $72 million related to the transfer of Citi Belgium to held-for-sale. securitizations. $32 million and $100 million.052 2.S. second quarter of 2012.136 $ $ 56 $ 51 $ $ 26.848 (8%) (2.771) 816 2.126 (319) $ 40. respectively.644 Provision for Unfunded Lending Commitments $ (4.S. The fourth quarter of 2012 includes a benefit of approximately $40 million to charge offs related to finalizing the impact of this OCC guidance.119 $ 1.25% (41) 26. respectively.066 1. (12) December 31.511 (418) $ 27.115 (23.088 $ 25. $73 million.882) (1.773 10.638) 659 $ $ $ (4.020 $ 1.576 3. (4) The fourth quarter of 2011.411) (53) Other (5) (6) (7) (8) (9) (10) Allowance for Loan Losses at End of Period (1) (a) 32. (11) Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet.063 $ 1.PAGE 1 TOTAL CITIGROUP (In millions of dollars) 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. (2) 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.864 23% 25% (20.434) 169 (1.576) (3.251 $ 3. loan portfolios. 2011.

186 $ 2.879 (143) 83 (154) (117) (35) 70% 76% (1.884) (1.512 10.074 $ $ 3.681 5.012 1.057 $ 2.879 $ 2.04% $ 2 - $ 22.424 14.PAGE 2 TOTAL CITIGROUP (In millions of dollars) 4Q 2011 1Q 2012 2Q 2012 Full Year 2011 4Q12 Increase (Decrease) from 3Q12 4Q11 3Q 2012 4Q 2012 $ 24.439 (1.972 $ 2.614) (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 1.133 $ 1.099 Full Year 2012 FY 2012 vs.236 (965) 57% $ 22.23% (40) 3.965 $ 24.893 $ 4.965) (1.879 $ 3.424) (14.761 (463) $ 25.45% 2 (869) (425) 2.862) (3.963 $ $ 24.708) 74% NM 14% 5% 12.68% 27.236 3 (539) (384) 2.14% Notes to these tables are on the following page (page 40).776 Corporate Allowance for Unfunded Lending Commitments (11) (b) $ 1.351) 1.038) (3.14% (15) 3.499 4 Provision for Unfunded Lending Commitments Consumer Allowance for Loan Losses as a Percentage of Total Consumer Loans (12) $ 3.062 $ 1.198) 31 Other (5) (6) (7) (8) (9) (10) Allowance for Loan Losses at End of Period (1) (a) 28.776 $ 2.817 $ 2.353) 22% 4.963 35.057 $ 2.568 (401) Consumer Allowance for Unfunded Lending Commitments (11) (a) 6.095 $ 1. Leases and Unfunded Lending Commitments [Sum of (a)] $ 27.133 $ 1.239 $ 25.270) 223 2 (138) (86%) 100% 89% Provision for Loan Losses 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) $ 2.239 $ 22.258) (348) (929) 27. 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) $ Provision for Loan Losses 27.117 $ 1.862 3.31% $ $ (38) 4.641 6.681 5.879 $ 3.406 $ 27.879 1.639 $ $ - $ - $ $ - Total Allowance for Loans.152 1.965 2. Page 39 .866 2.ALLOWANCE FOR CREDIT LOSSES .972 $ 2.100 6. Leases and Unfunded Lending Commitments [Sum of (b)] $ $ 4.34% 1.236 (4.798 $ $ (3.102 $ 1.422 3.57% Total Citigroup Corporate Loans Allowance for Loan Losses at Beginning of Period $ Net Credit (Losses) / Recoveries (NCL's) 3.083) (1.099 (322) $ 22.031 (22%) (24%) 18.249 $ 2.031) 22% 24% (18.353 (22%) 85% NM 89% (3%) (7.236 25.26% 2 (128) 30 2.817 $ 5.893 1.639 $ 23.117 Provision for Unfunded Lending Commitments $ $ 7 $ $ 56 $ 46 $ Total Allowance for Loans.012 $ Corporate Allowance for Loan Losses as a Percentage of Total Corporate Loans (13) (4) 4.038 3.679 $ 3 $ 2 $ 5 $ (1) $ 27.614 (1.422) (3.679 $ 1 $ $ (1) $ $ 23.933 (246) $ 23.761 (14%) NM NM (2.

(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. first quarter of 2012.S. of Loans which are carried at fair value. $60 million. second quarter of 2012.4 billion.3 billion. respectively.S. March 31. third quarter of 2012 and fourth quarter of 2012 includes $(16) million. loan portfolios.8 billion. September 30. (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. $4. 2012 and December 31. (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. 2012 excludes $3.ALLOWANCE FOR CREDIT LOSSES . (5) Includes all adjustments to the allowance for credit losses. (1) Allowance for credit losses represents management's estimate of probable losses inherent in the portfolio. (13) December 31. 2011. 2012. $1. and the entire allowance is available to absorb probable credit losses inherent in the portfolio. 2012 and December 31.PAGE 3 TOTAL CITIGROUP The following notes relate to the tables on the prior page (page 39). (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. foreign currency translation. loan portfolios and a reduction of approximately $203 million related to foreign currency translation. June 30. (12) December 31.1 billion and $4. $3. June 30. $73 million. (2) See Note (2) on page 38. 2012.3 billion. etc.1 billion. loan portfolios and a reduction of approximately $72 million related to the transfer of Citi Belgium to held-for-sale. of loans which are carried at fair value. (3) See Note (3) on page 38. purchase accounting adjustments. 2011. Attribution of the allowance is made for analytical purposes only. respectively. $32 million and $100 million.3 billion and $1. Page 40 .2 billion. loan portfolios. such as changes in the allowance from acquisitions. $1. September 30. respectively. securitizations.S.S. (11) Represents additional credit reserves recorded as other liabilities on the Consolidated Balance Sheet. 2012 excludes $1.3 billion. (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. 2012. March 31. loan portfolios. (4) The fourth quarter of 2011. $3. $1. 2012. of builds (releases) related to gains/(losses) on loan sales.9 billion. NM Not meaningful Reclassified to conform to the current period's presentation.

131) (22%) 52% 1.906 27% 9% 1.474 1.462 (4.629 (841) 1.988) $ FY 2012 vs.187 (1. FY 2011 Increase/ (Decrease) 8.181) 5.101 (4.030 (522) 2.PAGE 1 CITICORP (In millions of dollars) 4Q 2011 Citicorp Net Credit Losses Credit Reserve Build / (Release) $ Global Consumer Banking Net Credit Losses Credit Reserve Build / (Release) North America Regional Consumer Banking Net Credit Losses Credit Reserve Build / (Release) Retail Banking Net Credit Losses Credit Reserve Build / (Release) Citi-Branded Cards Net Credit Losses Credit Reserve Build / (Release) Citi Retail Services Net Credit Losses Credit Reserve Build / (Release) 2.596 (852) $ Institutional Clients Group (ICG) Net Credit Losses Credit Reserve Build / (Release) Securities and Banking Net Credit Losses Credit Reserve Build / (Release) Transaction Services Net Credit Losses Credit Reserve Build / (Release) Corporate / Other Net Credit Losses Credit Reserve Build / (Release) $ 2Q 2012 2.020 (147) 0% 72% (17%) 79% 10.221 (577) $ 3Q 2012 2. Page 41 .452 (2.597) (32%) 41% 665 (290) 609 (404) 534 (153) 514 (20) (4%) 87% (25%) 82% 3.COMPONENTS OF PROVISION FOR LOAN LOSSES .124 (728) 2.501 $ $ 6.727) 3.423 (713) 2.477) 2.756 (2.265 (215) (6%) 59% (27%) 73% 8.734 (2.668 (2.744 $ 1.094 (188) (4%) 72% (19%) 78% Full Year 2011 $ Full Year 2012 11.351 (519) 1.644 1 1.247 (741) $ 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 2.511 (814) 1.131 (1.389) (29%) 43% 62 (2) 62 (5) 986 (678) 902 (549) 683 (112) 70 5 EMEA Regional Consumer Banking Net Credit Losses Credit Reserve Build / (Release) Retail Banking Net Credit Losses Credit Reserve Build / (Release) Citi-Branded Cards Net Credit Losses Credit Reserve Build / (Release) Latin America Regional Consumer Banking Net Credit Losses Credit Reserve Build / (Release) Retail Banking Net Credit Losses Credit Reserve Build / (Release) Citi-Branded Cards Net Credit Losses Credit Reserve Build / (Release) Asia Regional Consumer Banking Net Credit Losses Credit Reserve Build / (Release) Retail Banking Net Credit Losses Credit Reserve Build / (Release) Citi-Branded Cards Net Credit Losses Credit Reserve Build / (Release) 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% 4.102 73 (9%) NM (1) $ 6.172 (671) $ 2.840 (4.177) (24%) 56% 2.684 (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%) 1.429) 8.750 299 4% NM 648 226 36% NM 1.322 (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%) 1.278 (734) 2.209 (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) 1.506 6 (1) $ 99 (3) (1) $ 1.557 (100%) 67% 1% NM Not meaningful Reclassified to conform to the current period's presentation.739 (785) 1.

576 (3.506 $ 1.419) 5.184 $ 1.010 $ 1. Page 42 .COMPONENTS OF PROVISION FOR LOAN LOSSES .501 $ 1.824 (760) 1.329 (250) 3Q 2012 $ 1.512 (612) 1Q 2012 $ 2Q 2012 1.848 (8%) NM Not meaningful Reclassified to conform to the current period's presentation.924 16% 11% $ 11.299 $ 4.079 $ 1.277) $ FY 2012 vs.289 (186) 1.474 $ 6.752 (520) 1.557 1% Total Citigroup Provision for Loan Losses $ 2. FY 2011 Increase/ (Decrease) 5.644 $ 1.551) (32%) 53% 4 (3) (1) (100%) 67% (22%) 1% - - - - - 1.068 (1.855) (28) (140) (1) (33) (10) NM 92% Total Citi Holdings Provision for Loan Losses $ 900 $ 1.291 (19%) Total Citicorp Provision for Loan Losses (from prior page) $ 1.PAGE 2 CITI HOLDINGS / TOTAL CITIGROUP (In millions of dollars) 4Q 2011 Citi Holdings Net Credit Losses Credit Reserve Build / (Release) $ Brokerage and Asset Management Net Credit Losses Credit Reserve Build / (Release) Local Consumer Lending Net Credit Losses Credit Reserve Build / (Release) Special Asset Pool Net Credit Losses Credit Reserve Build / (Release) 1.535 (426) (23) (186) $ 1.773 $ 10.828 $ 2.644 $ 2.870 (1.744 $ 1.018 1% 13% $ 5.511 $ 2.807 (797) $ Full Year 2011 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 972 46 (46%) NM (36%) NM $ Full Year 2012 8.410) (18) (29) 40 (64) (17) (37) (94%) 73% (43%) 95% 1.734 (550) - - 1.842 (1.005 56 (45%) NM (35%) NM 7.585 $ 2.504 (1.906 27% 9% $ 6.

7 billion was current and $0.403 371 1.62% 1.519 397 1.8 billion of home equity loans.1 billion was 30 to 89 days past due as of March 31.832 $ 2.196 (7%) 1% (6%) (6%) 21% (2%) 16% (15%) 17% OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS ICG Global Consumer Banking Brokerage and Asset Management Local Consumer Lending 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%) $ 1 $ 1 $ 2 $ 1 $ 1 - - $ 3. and are charged off at 120 days past due. Of the $1.832 $ $ $ 2Q 2012 1.973 $ 6. Corporate non-accrual loans may still be current on interest payments.761 $ 2. As such.346 $ 2.460 $ 12.5 billion of such non-accrual loans.PAGE 1 TOTAL CITIGROUP (In millions of dollars) 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) North America (3) (4) EMEA Latin America Asia Total (3) $ $ $ $ 1Q 2012 1.568 $ $ $ 3Q 2012 724 1. As such. 2012.429 9.275 409 9. Of the $0. See Note 3 on page 38.054 151 324 2. analysis against the industry is not always comparable.62% 1.3 billion was current as of September 30.017 1.178 474 8. (3) The first quarter of 2012 increase in non-accrual consumer loans in North America was attributable to an $0.131 128 339 2. $1. (7) There is no industry-wide definition of non-accrual assets.333 9. which typically occurs at 180 days contractual delinquency.122 $ 11. the non-accrual loan disclosures do not include credit card loans.8 billion reclassification from accrual to non-accrual status of home equity loans where the related residential first mortgage was delinquent.571 $ 6.571 8. (2) Excludes SOP 3-03 purchased distressed loans. Bankruptcy Code to be written down to collateral value. Page 43 .169 209 469 2.S. This reclassification reflected regulatory guidance that was issued on January 31.190 11.5 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.71% 0.333 (18%) 7% (15%) 5% (4%) (41%) (13%) (65%) 1% (28%) 7. 2012.970 (5%) 3% 11.85% 0.107 450 7.698 379 1. the following practices are applied for Consumer loans: Consumer loans.635 $ $ NAL as a % of Total Loans NAA as a % of Total Assets 1.66% 1.973 8. carried at lower of cost or fair value.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) $ 11.76% 0.78% 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. less costs to sell.194 263 499 2.236 7. Reclassified to conform to the current period's presentation.761 $ $ $ 735 1.NON-ACCRUAL ASSETS .346 $ $ $ 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 900 1. (4) The third quarter of 2012 includes an approximately $1.665 11.148 380 1.60% 1. (5) Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral. Consistent with industry conventions. $0. 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.568 $ 2.293 362 335 3. excluding credit cards and mortgages. With limited exceptions.888 387 1.67% 0.429 $ 7.236 $ 5.529 (5%) 4% 566 1 580 1 541 2 474 1 440 1 (7%) - (22%) - 12.285 383 9.158 414 8.246 1.917 12. are placed on non-accrual status at 90 days past due.541 10. Citigroup generally accrues interest on credit card loans until such loans are charged off.068 11. 2012. (6) Primarily transportation equipment.

As such.801 $ $ $ $ 2Q 2012 790 748 203 472 2.Page 1" (on page 43) for total Citigroup balances.213 390 94 1.NON-ACCRUAL ASSETS . Reclassified to conform to the current period's presentation.130 348 1. which typically occurs at 180 days contractual delinquency. and are charged off at 120 days past due.187 3% 3% 1% (3%) 1% 52% 20% 17% 3% 21% OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS ICG Global Consumer Banking $ 23 48 $ 7 41 $ 12 35 $ 9 38 $ 7 40 (22%) 5% (70%) (17%) TOTAL OTHER REAL ESTATE OWNED (OREO) (3) $ 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%) 1.143 NAA as a % of Total Assets 0. Citigroup generally accrues interest on credit card loans until such loans are charged off.928 2.089 $ 4.014 450 88 1.223 $ 4. Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral. Corporate non-accrual loans may still be current on interest payments.909 (15%) 12% (14%) 9% (1%) (30%) 16% (57%) 8% (14%) 523 101 1.962 $ 2.137 $ 4. the non-accrual loan disclosures do not include credit card loans. analysis against the industry is not always comparable.110 338 1. As such.162 $ $ $ $ 644 806 126 333 1. With limited exceptions. Page 44 .187 (1%) 1% (14%) 21% 0% 2% - (34%) 0% 1% OREO By Region: North America EMEA Latin America Asia Total $ Other Repossessed Assets (4) $ N/A $ N/A $ N/A $ N/A N/A Non-Accrual Assets (NAA) (5) Corporate Non-Accrual Loans Consumer Non-Accrual Loans $ Non-Accrual Loans (NAL) OREO Other Repossessed Assets Non-Accrual Assets (NAA) $ 2. are placed on non-accrual status at 90 days past due. carried at lower of cost or fair value. 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.928 507 98 1.228 329 2.217 345 84 1.25% 0. Primarily transportation equipment. There is no industry-wide definition of non-accrual assets.018 4.014 1.24% 0.162 $ 4.909 2.061 311 1.24% Allowance for Loan Losses as a % of NAL 416% 391% 385% 363% 357% N/A Not Available at the Citicorp level.096 71 N/A 48 N/A 47 N/A 47 N/A 47 N/A 4. the following practices are applied for Consumer loans: Consumer loans.24% 0.962 $ $ $ $ 3Q 2012 569 804 193 448 2. (2) (3) (4) (5) Excludes SOP 3-03 purchased distressed loans.801 $ 2. (1) Corporate loans are placed on non-accrual status based upon a review by Citigroup's risk officers. excluding credit cards and mortgages.244 319 2.047 $ 4. Consistent with industry conventions.986 $ 1.090 4. See "Non-Accrual Assets .23% 0.175 4.PAGE 2 CITICORP (In millions of dollars) 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) North America EMEA Latin America Asia Total $ $ $ $ 1Q 2012 921 694 294 308 2.217 1.213 1.986 $ $ $ $ 4Q12 Increase (Decrease) from 3Q12 4Q11 4Q 2012 758 718 147 305 1.000 4. less costs to sell.

Citigroup generally accrues interest on credit card loans until such loans are charged off.401 $ 8.360 $ 501 7.433 (8%) 5% 480 N/A 518 N/A 484 N/A 417 N/A 391 N/A (6%) (19%) 7. excluding credit cards and mortgages.191 281 47 80 7. carried at lower of cost or fair value. Reclassified to conform to the current period's presentation. less costs to sell.360 $ $ $ 4Q 2012 142 336 4 19 501 $ 7.884 $ 7.917 8. and are charged off at 120 days past due.009 (8%) (1%) (13%) (20%) (8%) 20% (8%) (11%) (54%) 16% OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS Brokerage and Asset Management Local Consumer Lending Special Asset Pool $ 393 87 $ 356 162 $ 329 155 $ 326 91 $ 309 82 (5%) (10%) (21%) (6%) TOTAL OTHER REAL ESTATE OWNED (OREO) (4) $ 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 7.019 6.009 (15%) (8%) (58%) 16% OREO By Region: North America EMEA Latin America Asia Total $ Other Repossessed Assets (5) $ N/A $ N/A $ N/A N/A N/A Non-Accrual Assets (NAA) (6) Corporate Non-Accrual Loans Consumer Non-Accrual Loans $ Non-Accrual Loans (NAL) OREO Other Repossessed Assets Non-Accrual Assets (NAA) $ 1.599 $ $ $ 4Q12 Increase (Decrease) from 3Q12 4Q11 91 325 2 6 424 (36%) (3%) (50%) (68%) (15%) (72%) (46%) (97%) (78%) (58%) 6.824 (8%) 4% 7. As such. which typically occurs at 180 days contractual delinquency. As such.599 $ 7.625 279 41 64 7.019 $ 5.530 $ 7. Primarily transportation equipment.606 $ $ $ 3Q 2012 155 365 16 21 557 $ 5. analysis against the industry is not always comparable.517 $ NAA as a % of Total Assets 3.543 303 46 139 6.031 $ 760 6. With limited exceptions.129 303 48 126 6. the following practices are applied for Consumer loans: Consumer loans. the non-accrual loan disclosures do not include credit card loans. (1) Corporate loans are placed on non-accrual status based upon a review by Citigroup's risk officers.031 $ $ $ 2Q 2012 227 446 60 27 760 $ 6. See Note 4 on page 43. See Note 3 on page 43.98% 5.NON-ACCRUAL ASSETS .953 283 48 76 6. Corporate non-accrual loans may still be current on interest payments. Page 45 .050 7. Represents the carrying value of all property acquired by foreclosure or other legal proceedings when Citigroup has taken possession of the collateral.366 6.87% 4.02% Allowance for Loan Losses as a % of NAL 190% 173% 177% 137% 146% N/A Not Available at the Citi Holdings level. Consistent with industry conventions.35% 3. There is no industry-wide definition of non-accrual assets.606 $ 557 6.PAGE 3 CITI HOLDINGS (In millions of dollars) 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) North America (3) (4) EMEA Latin America Asia Total (3) $ $ $ $ 1Q 2012 325 599 68 27 1. are placed on non-accrual status at 90 days past due. See "Non-Accrual Assets . (2) (3) (4) (5) (6) (7) Excludes SOP 3-03 purchased distressed loans.77% 3. 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.100 7.Page 1" (on page 43) for total Citigroup balances.

599 25.494 $ 25. represents Common equity less goodwill and intangible assets (excluding MSRs) net of the related deferred taxes.5 $ 52.932.413 25.483 6.508 $ 183.922 2. TCE.5 $ 51.CITIGROUP NON-GAAP FINANCIAL MEASURES . as defined by Citigroup.9 $ 51.90 35 $ 2.600 181.465 $ 186.673 5.963 25.028.244 $ 151. Other companies may calculate TCE in a manner different from Citigroup.74 41 38 149. at period end Tangible Book Value Per Share $ 2.437 Common Shares Outstanding.697 37 32 Goodwill and Intangible Assets (Other than MSRs) Related to Assets For Discontinued Operations Held-for-Sale Net Deferred Taxes .515 32 $ 2.19 Reclassified to conform to the current period's presentation.413 6. Page 46 .932.2 $ 50.9 $ 49.932.69 155.810 6.RECONCILIATIONS (In millions of dollars) Tangible Book Value Per Share and Tangible Common Equity (TCE) (and related ratios) are non-GAAP financial measures.923.487 25.915 5.Related to Goodwill and Intangible Assets Above Tangible Common Equity 44 $ 145. A reconciliation of Citigroup’s 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) $ 177.81 154.156 $ 186.053 3.