Citigroup Inc.

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Stockholder InformationCitigroup common stock is listed on the NYSE under the ticker symbol “C”and on the Tokyo Stock Exchange and the Mexico Stock Exchange. Citigrouppreferred stock Series F, T and AA are also listed on the NYSE.Because Citigroup’s common stock is listed on the NYSE, the ChiefExecutive Officer is required to make an annual certification to the NYSEstating that he was not aware of any violation by Citigroup of the corporategovernance listing standards of the NYSE. The annual certification to thateffect was made to the NYSE on May 19, 2010.As of January 31, 2011, Citigroup had approximately 191,500 commonstockholders of record. This figure does not represent the actual number ofbeneficial owners of common stock because shares are frequently held in“street name” by securities dealers and others for the benefit of individualowners who may vote the shares.Transfer AgentStockholder address changes and inquiries regarding stock transfers,dividend replacement, 1099-DIV reporting, and lost securities for commonand preferred stocks should be directed to:ComputershareP.O. Box 43078Providence, RI 02940-3078Telephone No. 781 575 4555Toll-free No. 888 250 3985Facsimile No. 201 324 3284E-mail address: shareholder@computershare.comWeb address: www.computershare.com/investorExchange AgentHolders of Golden State Bancorp, Associates First Capital Corporation,Citicorp or Salomon Inc. common stock, Citigroup Inc. Preferred Stock SeriesK, Q, S, T or U, or Salomon Inc. Preferred Stock Series D should arrange toexchange their certificates by contacting:ComputershareP.O. Box 43078Providence, RI 02940-3078Telephone No. 781 575 4555Toll-free No. 888 250 3985Facsimile No. 201 324 3284E-mail address: shareholder@computershare.comWeb address: www.computershare.com/investorCiti’s 2010 Form 10-K filed with the SEC, as well as other annual andquarterly reports, are available from Citi Document Services toll free at 877936 2737 (outside the United States at 716 730 8055), by e-mailing a requestto docserve@citi.com, or by writing to:Citi Document Services540 Crosspoint ParkwayGetzville, NY 14068306
SignaturesPursuant to the requirements of Section 13 or 15(d) of the SecuritiesExchange Act of 1934, the registrant has duly caused this report to be signedon its behalf by the undersigned, thereunto duly authorized, on the 25th dayof February, 2011.Citigroup Inc.(Registrant)The Directors of Citigroup listed below executed a power of attorneyappointing John C. Gerspach their attorney-in-fact, empowering him to signthis report on their behalf.Alain J.P. BeldaTimothy C. CollinsJerry A. GrundhoferRobert L. Joss, Ph.D.Andrew N. LiverisMichael E. O’NeillRichard D. ParsonsLawrence R. RicciardiJudith RodinRobert L. RyanAnthony M. SantomeroDiana L. TaylorWilliam S. Thompson, Jr.Ernesto ZedilloJohn C. GerspachChief Financial OfficerPursuant to the requirements of the Securities Exchange Act of 1934, thisreport has been signed below by the following persons on behalf of theregistrant and in the capacities indicated on the 25th day of February, 2011.John C. GerspachCitigroup’s Principal Executive Officer and a Director:Vikram S. PanditCitigroup’s Principal Financial Officer:John C. GerspachCitigroup’s Principal Accounting Officer:Jeffrey R. Walsh307
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UNITED STATESSECURITIES AND EXCHANG
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CITIGROUP’S 2010 ANNUAL REPORT ON
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As described above, Citigroup is ma
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Operating ExpensesCitigroup operati
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FIVE-YEAR SUMMARY OF SELECTED FINAN
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CITIGROUP REVENUESIn millions of do
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REGIONAL CONSUMER BANKINGRegional C
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2009 vs. 2008Revenues, net of inter
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SECURITIES AND BANKINGSecurities an
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TRANSACTION SERVICESTransaction Ser
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BROKERAGE AND ASSET MANAGEMENTBroke
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Japan Consumer FinanceCitigroup con
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The following table provides detail
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CORPORATE/OTHERCorporate/Other incl
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During 2010, average Consumer loans
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SEGMENT BALANCE SHEET AT DECEMBER 3
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Citigroup Regulatory Capital Ratios
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Capital Resources of Citigroup’s
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Regulatory Capital Standards Develo
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DepositsCiti continues to focus on
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Secured financing is primarily cond
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Each of the credit rating agencies
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RISK FACTORSThe ongoing implementat
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The emerging markets in which Citi
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is largely uncertain. However, any
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a short-term Liquidity Coverage Rat
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understanding or cause confusion ac
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MANAGING GLOBAL RISKRISK MANAGEMENT
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CREDIT RISKCredit risk is the poten
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(1) 2010 primarily includes an addi
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Non-Accrual Loans and AssetsThe tab
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Renegotiated LoansThe following tab
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Citi’s first mortgage portfolio i
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Consumer Mortgage FICO and LTVData
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Second Mortgages: December 31, 2010
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Interest Rate Risk Associated with
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North America Cards—FICO Informat
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CONSUMER LOAN DETAILSConsumer Loan
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Consumer Loan Modification Programs
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North America CardsNorth America ca
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Payment deferrals that do not conti
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Repurchase ReserveCiti has recorded
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Securities and Banking-Sponsored Pr
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The following table presents the co
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MARKET RISKMarket risk encompasses
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Trading PortfoliosPrice risk in tra
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INTEREST REVENUE/EXPENSE AND YIELDS
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AVERAGE BALANCES AND INTEREST RATES
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ANALYSIS OF CHANGES IN INTEREST EXP
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As required by SEC rules, the table
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The credit valuation adjustment amo
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The fair values shown are prior to
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Key Controls over Fair Value Measur
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The following table reflects the in
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The results of the July 1, 2010 tes
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As a result of the losses incurred
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MANAGEMENT’S ANNUAL REPORT ON INT
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• an “ownership change” under
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REPORT OF INDEPENDENT REGISTERED PU
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FINANCIAL STATEMENTS AND NOTES TABL
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CONSOLIDATED FINANCIAL STATEMENTSCO
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CONSOLIDATED BALANCE SHEET(Continue
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CONSOLIDATED STATEMENT OF CHANGES I
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CITIBANK CONSOLIDATED BALANCE SHEET
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NOTES TO CONSOLIDATED FINANCIAL STA
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Repurchase and Resale AgreementsSec
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ecoveries are added. Securities rec
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Consumer Mortgage Representations a
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Transfers of Financial AssetsFor a
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ACCOUNTING CHANGESChange in Account
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The following table reflects the in
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Measuring Liabilities at Fair Value
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Revisions to the Earnings-per-Share
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FUTURE APPLICATION OF ACCOUNTING ST
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3. DISCONTINUED OPERATIONSSale of T
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CitiCapitalOn July 31, 2008, Citigr
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5. INTEREST REVENUE AND EXPENSEFor
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Stock Award ProgramsCitigroup issue
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In January 2009, members of the Man
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Information with respect to stock o
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9. RETIREMENT BENEFITSThe Company h
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The following table shows the chang
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A one-percentage-point change in th
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Level 3 Roll ForwardThe reconciliat
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10. INCOME TAXESIn millions of doll
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The Company is currently under audi
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11. EARNINGS PER SHAREThe following
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13. BROKERAGE RECEIVABLES AND BROKE
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The table below shows the fair valu
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Debt Securities Held-to-MaturityThe
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Evaluating Investments for Other-Th
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The following is a 12-month roll-fo
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16. LOANSCitigroup loans are report
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Residential Mortgage Loan to Values
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The following table presents Corpor
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Included in the Corporate and Consu
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18. GOODWILL AND INTANGIBLE ASSETSG
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Intangible AssetsThe components of
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CGMHI has committed long-term finan
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20. Regulatory CapitalCitigroup is
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22. SECURITIZATIONS AND VARIABLE IN
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In millions of dollars As of Decemb
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Funding Commitments for Significant
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Credit Card SecuritizationsThe Comp
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Managed Loans—Citi HoldingsThe fo
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Key assumptions used in measuring t
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Mortgage Servicing RightsIn connect
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The Company administers one conduit
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Key Assumptions and Retained Intere
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Municipal InvestmentsMunicipal inve
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Derivative NotionalsIn millions of
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activities together with gains and
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Page 237 and 238: The range of credit derivatives sol
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Page 243 and 244: The internal valuation techniques u
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Page 251 and 252: 26. FAIR VALUE ELECTIONSThe Company
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Page 255 and 256: Certain structured liabilitiesThe C
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Page 259 and 260: The repurchase reserve estimation p
Page 261 and 262: CollateralCash collateral available
Page 263 and 264: 29. CONTINGENCIESOverviewIn additio
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Page 269 and 270: 30. CITIBANK, N.A. STOCKHOLDER’S
Page 271 and 272: Condensed Consolidating Statements
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Page 279 and 280: 33. SELECTED QUARTERLY FINANCIAL DA
Page 281 and 282: SUPERVISION AND REGULATIONCitigroup
Page 283 and 284: Citigroup continues to evaluate its
Page 285: CORPORATE INFORMATIONCITIGROUP EXEC
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Citigroup Inc.

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