7.3 billion - Citigroup

North America Residential First Mortgages - Citi Holdingsin billions of dollarsNCLs90+DPD$7.94$6.90$5.56$4.53$3.93 $3.82$4.08$4.05$0.69$0.59 $0.50$0.55$0.46(1)$0.44 $0.41 $0.752Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12EOP Loans: 1Q11-$76.0 4Q11-$67.5 1Q12-$65.0(1) The first quarter of 2012 includes approximately $315 million of incremental charge-offs related to previously deferred principal balances on modified mortgages.See note 1 to the ―Details of Credit Loss Experience‖ table above. Excluding the impact of these charge-offs, net credit losses would have increased to $0.45 and$0.43 for the Citigroup and Citi Holdings portfolios, respectively.Note: For each of the tables above, days past due exclude (i) U.S. mortgage loans that are guaranteed by U.S. government-sponsored entities because the potential losspredominantly resides with the U.S. entities, and (ii) loans that are recorded at fair value.Totals may not sum due to rounding.50CITIGROUP – 2012 FIRST QUARTER 10-Q