7.3 billion - Citigroup

North America CardsOverviewAs of March 31, 2012, Citi‘s North America cards portfolioprimarily consists of its Citi-branded cards and Citi retailservices portfolios in Citicorp. As of March 31, 2012, theCiticorp Citi-branded cards portfolio totaled approximately$73 billion while the Citi retail services portfolio wasapproximately $37 billion. See ―Consumer Loan ModificationPrograms‖ below for a discussion of Citi‘s significant cardsmodification programs.North America Cards Quarterly Credit Trends—Delinquencies and Net Credit LossesThe following charts detail the quarterly trends indelinquencies and net credit losses for Citigroup‘s NorthAmerica Citi-branded cards and Citi retail services portfoliosin Citicorp. The 90+ days past due delinquency rate in Citibrandedcards increased slightly on a sequential basis due toseasonal paydown of customer balances. The net credit lossrate in Citi retail services increased slightly quarter-overquarter,which also largely reflected the seasonal paydown ofcustomer balances. Citi expects some continued improvementin these metrics, although at a slower pace as the portfolioshave largely stabilized.North America Citi-Branded Cards - CiticorpNCLs90+DPD10.61%9.65%8.67%7.30%6.71%5.89%5.26%4.94%2.71%2.32%2.03% 1.93%1.62% 1.42% 1.32%1.35%2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12In billions of dollarsEOP Loans: 1Q11-$74.5 4Q11-$77.2 1Q12-$72.761CITIGROUP – 2012 FIRST QUARTER 10-Q