Citibank 2009 Annual Report Download - page 81

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71
Consumer Loan Net Credit Losses and Ratios
Average
loans(1) Net credit losses (2)
In millions of dollars, except average loan amounts in billions 2009 2009 2008 2007
Citicorp
Total $119.8 $ 5,356 $ 4,024 $2,390
Ratio 4.47% 3.15% 2.08%
Retail Bank
Total 76.3 1,515 1,158 466
Ratio 1.98% 1.43% 0.65%
North America 7.2 309 145 68
Ratio 4.29% 3.54% 3.40%
EMEA 5.6 302 160 72
Ratio 5.44% 2.39% 1.33%
Latin America 16.6 515 488 146
Ratio 3.10% 2.89% 1.07%
Asia 46.9 389 365 180
Ratio 0.83% 0.69% 0.36%
Citi-Branded Cards
Total 43.5 3,841 2,866 1,924
Ratio 8.84% 6.11% 4.43%
North America 12.5 842 470 382
Ratio 6.75% 3.62% 2.58%
EMEA 2.8 185 77 41
Ratio 6.55% 2.75% 2.16%
Latin America 11.7 1,920 1,717 1,043
Ratio 16.48% 12.18% 8.48%
Asia 16.5 894 602 458
Ratio 5.42% 3.54% 3.16%
Citi Holdings—Local Consumer Lending
Total 325.3 19,237 13,151 6,790
Ratio 5.91% 3.56% 1.90%
International 39.1 3,576 2,835 2,227
Ratio 9.15% 5.86% 4.95%
North America retail partners cards 24.8 3,485 2,454 1,639
Ratio 14.07% 8.26% 5.77%
North America (excluding cards) 261.4 12,176 7,862 2,924
Ratio 4.66% 2.70% 1.03%
Total Citigroup (excluding Special Asset Pool) $445.1 $24,593 $17,175 $9,180
Ratio 5.53% 3.45% 1.94%
(1) Total average loans exclude interest and fees on credit cards.
(2) The ratios of net credit losses are calculated based on average loans, net of unearned income.