7.3 billion - Citigroup

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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
North America Citi Retail Services - CiticorpNCLs90+DPD12.88%11.40% 10.90%9.54%8.70%7.19% 7.08% 7.11%3.71%3.55% 3.20%2.97%2.38% 2.38% 2.38%2.30%2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12In billions of dollarsEOP Loans: 1Q11-$37.4 4Q11-$39.9 1Q12-$36.7North America Cards–Loan Loss Reserve CoverageAt March 31, 2012, approximately $9.2 billion of Citi‘s totalloan loss reserves of $29.0 billion was allocated to Citi‘s NorthAmerica cards portfolios, representing over 17 months ofcoincident net credit loss coverage as of such date.62CITIGROUP – 2012 FIRST QUARTER 10-Q
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UNITED STATESSECURITIES AND EXCHANG
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CITIGROUP INCFIRST QUARTER 2012 - F
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As described above, Citigroup is ma
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The Consumer allowance for loan los
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SUMMARY OF SELECTED FINANCIAL DATA
Page 11 and 12: CITIGROUP REVENUESFirst QuarterIn m
Page 13 and 14: GLOBAL CONSUMER BANKINGGlobal Consu
Page 15 and 16: EMEA REGIONAL CONSUMER BANKINGEMEA
Page 17 and 18: ASIA REGIONAL CONSUMER BANKINGAsia
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Page 21 and 22: 1Q12 vs. 1Q11Net income of $1.2 bil
Page 23 and 24: CITI HOLDINGSCiti Holdings contains
Page 25 and 26: LOCAL CONSUMER LENDINGLocal Consume
Page 27 and 28: SPECIAL ASSET POOLSpecial Asset Poo
Page 29 and 30: BALANCE SHEET REVIEWThe following s
Page 31 and 32: transactions, see ―Capital Resour
Page 33 and 34: CAPITAL RESOURCES AND LIQUIDITYCAPI
Page 35 and 36: Common Stockholders’ EquityCitigr
Page 37 and 38: FUNDING AND LIQUIDITYOverviewCiti
Page 39 and 40: The table below details the long-te
Page 41 and 42: Credit RatingsCitigroup‘s funding
Page 43 and 44: OFF-BALANCE-SHEET ARRANGEMENTSCitig
Page 45 and 46: Details of Credit Loss Experience1s
Page 47 and 48: Non-Accrual LoansIn millions of dol
Page 49 and 50: Renegotiated LoansThe following tab
Page 51 and 52: North America Residential First Mor
Page 53 and 54: loans exiting foreclosure inventory
Page 55 and 56: Note: For each of the tables above,
Page 57 and 58: Citi will account for the refinanci
Page 59 and 60: Legacy S&B Securitizations (princip
Page 61: In addition to the amounts set fort
Page 65 and 66: Consumer Loan Net Credit Losses and
Page 67 and 68: CORPORATE LOAN DETAILSFor corporate
Page 69 and 70: EXPOSURE TO COMMERCIAL REAL ESTATET
Page 71 and 72: Value at Risk for Trading Portfolio
Page 73 and 74: AVERAGE BALANCES AND INTEREST RATES
Page 75 and 76: (10) Excludes hybrid financial inst
Page 77 and 78: ANALYSIS OF CHANGES IN INTEREST EXP
Page 79 and 80: GIIPSGross funded credit exposure t
Page 81 and 82: Credit Default SwapsCiti buys and s
Page 84 and 85: CREDIT DERIVATIVESCitigroup makes m
Page 87 and 88: DISCLOSURE CONTROLS ANDPROCEDURESCi
Page 89 and 90: FINANCIAL STATEMENTS AND NOTES TABL
Page 91 and 92: CONSOLIDATED STATEMENT OF COMPREHEN
Page 93 and 94: CONSOLIDATED BALANCE SHEET(Continue
Page 95 and 96: CONSOLIDATED STATEMENT OF CASH FLOW
Page 97 and 98: ACCOUNTING CHANGESPresentation of C
Page 99 and 100: 2. DISCONTINUED OPERATIONSSale of E
Page 101 and 102: 4. INTEREST REVENUE AND EXPENSEFor
Page 103 and 104: period. The 2012 deferred cash awar
Page 105 and 106: 9. EARNINGS PER SHAREThe following
Page 107 and 108: 11. INVESTMENTSOverviewIn millions
Page 109 and 110: The following table presents the am
Page 111 and 112: During the first quarter of 2011, t
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Evaluating Investments for Other-Th
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Recognition and Measurement of OTTI
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12. LOANSCitigroup loans are report
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Consumer Credit Scores (FICO)In the
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In millions of dollarsRecordedinves
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Corporate LoansCorporate loans repr
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Corporate Loans Credit Quality Indi
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Corporate Troubled Debt Restructuri
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14. GOODWILL AND INTANGIBLE ASSETSG
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15. DEBTShort-Term BorrowingsShort-
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16. CHANGES IN ACCUMULATED OTHER CO
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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 Securitizations—Citic
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The range in the key assumptions is
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The market for MSRs is not sufficie
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investors in the form of funded not
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are tendered and the Company (in it
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18. DERIVATIVES ACTIVITIESIn the or
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Derivative Mark-to-Market (MTM) Rec
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Key aspects of achieving ASC 815 he
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Credit DerivativesA credit derivati
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19. FAIR VALUE MEASUREMENTASC 820-1
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The key inputs depend upon the type
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Items Measured at Fair Value on a R
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In millions of dollars at December
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Changes in Level 3 Fair Value Categ
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Net realized/unrealizedgains (losse
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— Purchases of Corporate debt tra
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Fair Value(in millions) Methodology
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Items Measured at Fair Value on a N
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20. FAIR VALUE ELECTIONSThe Company
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The following table provides inform
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The following table provides inform
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Financial standby letters of credit
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Value-Transfer NetworksThe Company
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Credit Commitments and Lines of Cre
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Mortgage-Backed Securities and CDO
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Condensed Consolidating Statements
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Condensed Consolidating Balance She
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Condensed Consolidating Statements
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LEGAL PROCEEDINGSFor a discussion o
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Item 6. ExhibitsSee Exhibit Index.1
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EXHIBIT INDEX3.01.1 Restated Certif
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7.3 billion - Citigroup

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