Citigroup Inc.

Consumer Loan Net Credit Losses and RatiosAverageloans (1) Net credit losses (2)In millions of dollars, except average loan amounts in billions 2010 2010 2009 2008CiticorpTotal $221.5 $11,221 $ 5,410 $ 4,068Add: impact of credit card securitizations (3) — 6,931 4,299Managed NCL 11,221 12,341 8,367Ratio 5.07% 5.64% 3.66%Retail bankingTotal $111.4 $ 1,269 $ 1,570 $ 1,201Ratio 1.14% 1.50% 1.10%North America 30.6 339 310 145Ratio 1.11% 0.90% 0.47%EMEA 4.6 171 302 159Ratio 3.74% 5.44% 2.36%Latin America 19.9 438 513 489Ratio 2.20% 3.09% 2.90%Asia 56.3 321 445 408Ratio 0.57% 0.92% 0.74%Citi-branded cardsTotal $110.1 $ 9,952 $ 3,840 $ 2,867Add: impact of credit card securitizations (3) — 6,931 4,299Managed NCL 9,952 10,771 7,166Ratio 9.03% 9.46% 6.03%North America 76.7 7,683 841 472Add: impact of credit card securitizations (3) — 6,931 4,299Managed NCL 7,683 7,772 4,771Ratio 10.02% 9.41% 5.65%EMEA 2.8 149 185 78Ratio 5.32% 6.55% 2.76%Latin America 12.4 1,429 1,920 1,715Ratio 11.57% 16.10% 11.93%Asia 18.2 691 894 602Ratio 3.77% 5.42% 3.52%Citi Holdings—Local Consumer LendingTotal $274.8 $17,040 $19,185 $13,111Add: impact of credit card securitizations (3) — 4,590 3,110Managed NCL 17,040 23,775 16,221Ratio 6.20% 7.03% 4.23%International 26.2 1,927 3,521 2,795Ratio 7.36% 9.18% 5.88%North America retail partner cards 51.2 6,564 3,485 2,454Add: impact of credit card securitizations (3) — 4,590 3,110Managed NCL 6,564 8,075 5,564Ratio 12.82% 12.77% 8.04%North America (excluding cards) 197.4 8,549 12,179 7,862Ratio 4.33% 5.15% 2.95%Total Citigroup (excluding Special Asset Pool) $496.3 $28,261 $24,595 $17,179Add: impact of credit card securitizations (3) — 11,521 7,409Managed NCL 28,261 36,116 24,588Ratio 5.69% 6.49% 4.02%(1) Average loans include interest and fees on credit cards.(2) The ratios of net credit losses are calculated based on average loans, net of unearned income.(3) See page 24 and Note 1 to the Consolidated Financial Statements for a discussion of the impact of SFAS 166/167.104