7.3 billion - Citigroup

Non-Accrual LoansIn millions of dollars1st Qtr.20124th Qtr.20113rd Qtr.20112nd Qtr.20111st Qtr.2011Citicorp $ 4,175 $ 4,018 $ 4,564 $ 4,846 $ 5,102Citi Holdings 7,547 7,208 7,553 8,387 9,710Total non-accrual loans (NAL) $11,722 $11,226 $ 12,117 $ 13,233 $ 14,812Corporate non-accrual loans (1)North America $ 1,017 $ 1,246 $ 1,639 $ 1,899 $ 1,997EMEA 1,194 1,293 1,748 1,954 2,437Latin America 263 362 442 528 606Asia 499 335 342 451 451Total corporate non-accrual loans $ 2,973 $ 3,236 $ 4,171 $ 4,832 $ 5,491Citicorp $ 2,213 $ 2,217 $ 2,861 $ 2,986 $ 3,266Citi Holdings 760 1,019 1,310 1,846 2,225Total corporate non-accrual loans $ 2,973 $ 3,236 $ 4,171 $ 4,832 $ 5,491Consumer non-accrual loans (1)North America (2) $ 6,700 $ 6,046 $ 5,954 $ 6,125 $ 7,068EMEA 397 387 514 644 657Latin America 1,178 1,107 998 1,083 1,034Asia 474 450 480 549 562Total consumer non-accrual loans (2) $ 8,749 $ 7,990 $ 7,946 $ 8,401 $ 9,321Citicorp $ 1,962 $ 1,801 $ 1,703 $ 1,860 $ 1,836Citi Holdings (2) 6,787 6,189 6,243 6,541 7,485Total consumer non-accrual loans (2) $ 8,749 $ 7,990 $ 7,946 $ 8,401 $ 9,321(1) Excludes purchased distressed loans as they are generally accreting interest. The carrying value of these loans was $531 million at March 31, 2012, $511 millionat December 31, 2011, $405 million at September 30, 2011, $461 million at June 30, 2011 and $453 million at March 31, 2011.(2) The first quarter of 2012 increase in non-accrual Consumer loans in North America was attributable to a $0.8 billion reclassification from accrual to non-accrualstatus of home equity loans where the related residential first mortgage was 90 days or more past due as of March 31, 2012. Of the $0.8 billion of home equityloans, $0.7 billion were current and $0.1 billion were 30 to 89 days past due as of March 31, 2012. The reclassification reflected regulatory guidance issued onJanuary 31, 2012. The reclassification had no impact on Citi‘s delinquency statistics or its loan loss reserves.46CITIGROUP – 2012 FIRST QUARTER 10-Q