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GLOBAL CONSUMER BANKING

Global Consumer Banking (GCB) consists of Citigroup’s four geographical Regional Consumer Banking (RCB) businesses that provide traditional banking

services to retail customers. As of December 31, 2011, GCB also contained Citigroup’s branded cards and local commercial banking businesses and, effective

in the first quarter of 2012, will also include its retail partner cards business. GCB is a globally diversified business with nearly 4,200 branches in 39 countries

around the world. At December 31, 2011, GCB had $340 billion of assets and $313 billion of deposits.

In millions of dollars 2011  

% Change

2011 vs. 2010

æ#HANGEææ

æVSæ

.ETæINTERESTæREVENUE $23,090    —

.ONINTERESTæREVENUE 9,495   3% 

Total revenues, net of interest expense $32,585    1% 

4OTALæOPERATINGæEXPENSES $18,933    14% 

.ETæCREDITæLOSSES $ 7,688    (31)% .-

#REDITæRESERVEæBUILDæRELEASE (2,988)   (94) .-

0ROVISIONSæFORæUNFUNDEDæLENDINGæCOMMITMENTS 3  NM 

0ROVISIONæFORæBENEFITSæANDæCLAIMS 152   1

0ROVISIONSæFORæCREDITæLOSSESæANDæFORæBENEFITSæANDæCLAIMS $ 4,855     (51)% 

)NCOMEæLOSSæFROMæCONTINUINGæOPERATIONSæBEFOREæTAXES $ 8,797     47% .-

)NCOMEæTAXESæBENEFITS 2,601   94 .-

Income (loss) from continuing operations $ 6,196     33% 

.ETæINCOMEæLOSSæATTRIBUTABLEæTOæNONCONTROLLINGæINTERESTS —  100 

Net income (loss) $ 6,196     33% 

!VERAGEæASSETSæ(in billions of dollars) $ 335     8% 

2ETURNæONæASSETS 1.85%  

4OTALæ%/0æASSETS $ 340     4

!VERAGEæDEPOSITSæ(in billions of dollars) 311   5

Net credit losses as a percentage of average loans 3.25%  

Revenue by business

2ETAILæBANKING $16,229    3% 

#ITIBRANDEDæCARDS 16,356   (2) 

Total $32,585    1% 

Income (loss) from continuing operations by business

2ETAILæBANKING $ 2,529     (18)% 

#ITIBRANDEDæCARDS 3,667   NM .-

Total $ 6,196     33% 

.-æ .OTæMEANINGFUL