Citigroup Inc.

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CITIGROUP BOARD OF DIRECTORSAlain J.P. BeldaManaging DirectorWarburg PincusTimothy C. CollinsChairman of theInvestment CommitteeRipplewood Holdings L.L.C.Jerry A. GrundhoferChairman EmeritusU.S. BancorpRobert L. Joss, Ph.D.Professor of Finance Emeritus andFormer DeanStanford UniversityGraduate School of BusinessAndrew N. LiverisChairman andChief Executive OfficerThe Dow Chemical CompanyMichael E. O’NeillFormer Chairman andChief Executive OfficerBank of Hawaii CorporationVikram PanditChief Executive OfficerCitigroup Inc.Richard D. ParsonsChairmanCitigroup Inc.;and Special AdvisorProvidence Equity Partners Inc.Lawrence R. RicciardiSenior AdvisorIBM Corporation;Jones Day; and Lazard Ltd.Judith RodinPresidentRockefeller FoundationRobert L. RyanChief Financial Officer, RetiredMedtronic Inc.Anthony M. SantomeroFormer PresidentFederal Reserve Bank ofPhiladelphiaDiana L. TaylorManaging DirectorWolfensohn FundManagement, L.P.William S. Thompson, Jr.Chief Executive Officer, RetiredPacific InvestmentManagement Company(PIMCO)Ernesto ZedilloDirector, Center for theStudy of Globalization;Professor in the Fieldof InternationalEconomics and PoliticsYale University308
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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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Cash Flow HedgesHedging of benchmar
Page 237 and 238: The range of credit derivatives sol
Page 239 and 240: 24. CONCENTRATIONS OF CREDIT RISKCo
Page 241 and 242: Trading account assets and liabilit
Page 243 and 244: The internal valuation techniques u
Page 245 and 246: In millions of dollars at December
Page 247 and 248: Changes in Level 3 Fair Value Categ
Page 249 and 250: In millions of dollarsDecember 31,2
Page 251 and 252: 26. FAIR VALUE ELECTIONSThe Company
Page 253 and 254: The following table provides inform
Page 255 and 256: Certain structured liabilitiesThe C
Page 257 and 258: 28. PLEDGED SECURITIES, COLLATERAL,
Page 259 and 260: The repurchase reserve estimation p
Page 261 and 262: CollateralCash collateral available
Page 263 and 264: 29. CONTINGENCIESOverviewIn additio
Page 265 and 266: pursuant to which Citigroup agreed
Page 267 and 268: court filings under docket number 0
Page 269 and 270: 30. CITIBANK, N.A. STOCKHOLDER’S
Page 271 and 272: Condensed Consolidating Statements
Page 275 and 276: Condensed Consolidating Balance She
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 and 286: CORPORATE INFORMATIONCITIGROUP EXEC
Page 287: SignaturesPursuant to the requireme
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Citigroup Inc.

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