citigroup q1 earnings financial supplement

8/14/2019 Citigroup Q1 Earnings Financial Supplement

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CITIGROUP - QUARTERLY FINANCIAL DATA SUPPLEMENT 1Q09

Page Number

Citigroup ConsolidatedFinancial Summary 1

Consolidated Statement of Income 2

Consolidated Balance Sheet 3

Income:Segment View 4Regional View 5

Net Revenues:Segment View 6Regional View 7

Segment Detail

Global Cards 8 - 10

Consumer Banking 11 -14

Institutional Clients Group (ICG) 15Securities and Banking 16Transaction Services 17

Global Wealth Management 18 - 19

Regional DetailNorth America 20EMEA 21Latin America 22Asia 23 -24

Citigroup Supplemental DetailReturn on Capital 25

Average Balances and Interest Rates 26Consumer Loan Delinquency Amounts, Net Credit Losses and Ratios 27

Allowance for Credit Losses:Total Citigroup 28Consumer Loans 29Corporate Loans 30

Components of Provision for Loan Losses 31Non-Performing Assets 32


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GLOBAL CARDS

Page 2

(In millions of dollars)

1Q 2Q 3Q 4Q 1Q2008 2008 2008 2008 2009

KEY INDICATORS (continued) (1)

Managed Average YieldNorth America (managed basis) 13.41% 13.24% 13.64% 13.82% 15.03%EMEA 15.65% 15.38% 15.50% 15.81% 16.09%Latin America 28.44% 30.36% 29.03% 27.25% 26.01%Asia 13.82% 13.79% 13.63% 13.55% 13.73%

Global Total 14.69% 14.72% 14.92% 14.77% 15.64%

Managed Net Interest Revenue as a % of Average Managed LoansNorth America (managed basis) 10.09% 10.56% 11.03% 11.04% 12.61%EMEA 12.20% 12.18% 12.25% 12.33% 12.70%Latin America 22.93% 25.51% 22.93% 20.86% 20.57%Asia 10.04% 9.85% 9.70% 9.94% 10.39%

Global Total 11.16% 11.73% 11.89% 11.65% 12.90%

Coincident Managed Net Credit Loss RatioNorth America (managed basis) 5.81% 6.53% 7.13% 8.04% 10.18%EMEA 3.56% 3.94% 4.41% 5.17% 7.14%Latin America 10.25% 11.41% 13.16% 14.18% 15.65%Asia 3.17% 3.37% 3.63% 4.02% 4.62%

Global Total 5.72% 6.40% 7.05% 7.87% 9.82%

Managed Net Credit Margin as a % of Average Managed LoansNorth America (managed basis) 7.14% 6.52% 5.90% 5.32% 4.24%EMEA 11.39% 10.96% 10.16% 10.02% 7.90%Latin America 40.43% 22.23% 17.92% 15.01% 56.96%Asia 12.69% 11.73% 11.65% 10.00% 9.71%

Global Total 10.30% 8.50% 7.63% 6.66% 8.05%

Managed Loans 90+ Days Past Due as a % of EOP Managed LoansNorth America (managed basis) 1.96% 2.02% 2.11% 2.62% 3.09%EMEA 1.62% 1.81% 2.08% 2.60% 3.55%Latin America 3.75% 4.16% 4.36% 4.86% 5.11%Asia 1.49% 1.53% 1.57% 1.57% 2.04%

Global Total 2.02% 2.12% 2.22% 2.66% 3.16%

(1) Managed basis is applicable only in North America, as securitizations are not done in any other region. Managed basis presentation includes resultsfrom both the on-balance sheet loans and off- balance sheet loans, and excludes the impact of card securitization activity. Managed disclosuresassume that securitized loans have not been sold and present the results of the securitized loans in the same manner as the Company's owned loans.

Reclassified to conform to the current period's presentation.


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CITIGROUP RETURN ON CAPITAL (1)


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CITIGROUP -- RETURN ON CAPITAL

First Fourth First First Fourth First First FourthQuarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter

2008 2008 2009 2008 2008 2009 2008 2008

Global Cards 14,762$ 13,976$ 16,948$ 33% (17%) 10% 18%

Consumer Banking 27,272 31,064 35,213 1% (133%) (14%) -

Institutional Clients Group (ICG):

Securities and Banking 52,617 44,293 46,144 (54%) (94%) 17% (43%)Transaction Services 2,245 1,812 2,033 131% 158% 168% 66%

Total Institutional Clients Group (ICG) 54,862 46,105 48,177 (47%) (84%) 24% (36%)

Global Wealth Management 4,509 3,606 4,914 26% 3% 22% 11%

Corporate / Other 4,856 3,765 1,524 NM NM NM NM

Total Citigroup - Risk Capital (2) 106,261$ 98,516$ 106,776$ (20%) (86%) 6%

Total Citigroup - Return on Invested Capital (2) (3) (19%) (85%

(1) Risk Capital is defined as the amount of capital needed to cover unexpected economic losses during extreme events. Return on Risk Capital is defined as income divided by RiskCapital. Return on Invested Capital is a similar calculation but includes adjustments for goodwill and intangibles in both the numerator and denominator, similar to those necessaryto translate return on tangible equity to return on total equity. Return on Risk Capital and Return on Invested Capital are non-GAAP performance measures. Management believesReturn on Risk Capital is useful to make incremental investment decisions and serves as a key metric for organic growth initiatives. Return on Invested Capital is used for multi-yearinvestment decisions and as a long term performance measure.

(2) Average Risk Capital is net of the cross-sector diversification. Average Invested Capital includes the difference between Tangible Equity and Risk Capital, which is also includedin the Total Citigroup Return on Invested Capital.

(3) Total Citigroup Return on Invested Capital equals Citigroup Return on Common Equity.

NM Not meaningful

Reclassified to conform to the current period's presentation.

Average Risk Capital ($M) (2) Return on Risk Capital Return on Invested C


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citigroup q1 earnings financial supplement

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