Citibank 2014 Annual Report Download - page 104

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CONSUMER LOAN DETAILS
Consumer Loan Delinquency Amounts and Ratios
Total
loans (1) 90+ days past due (2) 30-89 days past due (2)
December 31, December 31, December 31,
In millions of dollars, except EOP loan amounts in billions 2014 2014 2013 2012 2014 2013 2012
Citicorp (3)(4)
Total $297.2 $2,664 $2,973 $3,081 $2,820 $3,220 $3,509
Ratio 0.90% 0.99% 1.05% 0.95% 1.07% 1.19%
Retail banking
Total $151.7 $ 840 $ 952 $ 879 $ 902 $1,049 $1,112
Ratio 0.56% 0.63% 0.61% 0.60% 0.70% 0.77%
North America 46.8 225 257 280 212 205 223
Ratio 0.49% 0.60% 0.68% 0.46% 0.48% 0.54%
EMEA 5.4 19 34 48 42 51 77
Ratio 0.35% 0.61% 0.94% 0.78% 0.91% 1.51%
Latin America 27.7 410 470 323 315 395 353
Ratio 1.48% 1.55% 1.15% 1.14% 1.30% 1.26%
Asia 71.8 186 191 228 333 398 459
Ratio 0.26% 0.27% 0.33% 0.46% 0.56% 0.66%
Cards
Total $145.5 $1,824 $2,021 $2,202 $1,918 $2,171 $2,397
Ratio 1.25% 1.34% 1.47% 1.32% 1.44% 1.60%
North America—Citi-branded 67.5 593 681 786 568 661 771
Ratio 0.88% 0.97% 1.08% 0.84% 0.94% 1.06%
North America—Citi retail services 46.5 678 771 721 748 830 789
Ratio 1.46% 1.67% 1.87% 1.61% 1.79% 2.04%
EMEA 2.2 30 32 48 34 42 63
Ratio 1.36% 1.33% 1.66% 1.55% 1.75% 2.17%
Latin America 10.9 345 349 413 329 364 432
Ratio 3.17% 2.88% 2.79% 3.02% 3.01% 2.92%
Asia 18.4 178 188 234 239 274 342
Ratio 0.97% 0.98% 1.15% 1.30% 1.43% 1.68%
Citi Holdings (5)(6)
Total $ 72.6 $1,975 $2,756 $4,611 $1,699 $2,724 $4,228
Ratio 2.88% 3.28% 4.42% 2.48% 3.24% 4.05%
International 1.8 12 162 345 36 200 393
Ratio 0.67% 2.75% 4.54% 2.00% 3.39% 5.17%
North America 70.8 1,963 2,594 4,266 1,663 2,524 3,835
Ratio 2.94% 3.33% 4.41% 2.49% 3.24% 3.96%
Other (7) 0.2
Total Citigroup $370.0 $4,639 $5,729 $7,692 $4,519 $5,944 $7,737
Ratio 1.27% 1.49% 1.93% 1.24% 1.54% 1.94%
(1) Total loans include interest and fees on credit cards.
(2) The ratios of 90+ days past due and 30–89 days past due are calculated based on end-of-period (EOP) loans, net of unearned income.
(3) The 90+ days past due balances for North America—Citi-branded and North America—Citi retail services are generally still accruing interest. Citigroup’s policy is generally to accrue interest on credit card loans until
180 days past due, unless notification of bankruptcy filing has been received earlier.
(4) The 90+ days and 30–89 days past due and related ratios for Citicorp North America exclude U.S. mortgage loans that are guaranteed by U.S. government-sponsored entities since the potential loss predominantly
resides within the U.S. government-sponsored entities. The amounts excluded for loans 90+ days past due and (EOP loans) were $562 million ($1.1 billion), $690 million ($1.2 billion) and $742 million ($1.4 billion)
at December 31, 2014, 2013 and 2012, respectively. The amounts excluded for loans 30–89 days past due (EOP loans have the same adjustment as above) were $122 million, $141 million and $122 million at
December 31, 2014, 2013 and 2012, respectively.
(5) The 90+ days and 30–89 days past due and related ratios for Citi Holdings North America exclude U.S. mortgage loans that are guaranteed by U.S. government-sponsored entities since the potential loss
predominantly resides within the U.S. government-sponsored entities. The amounts excluded for loans 90+ days past due (and EOP loans) for each period were $2.2 billion ($4.0 billion), $3.3 billion ($6.4 billion) and
$4.0 billion ($7.1 billion) at December 31, 2014, 2013 and 2012, respectively. The amounts excluded for loans 30–89 days past due (EOP loans have the same adjustment as above) for each period were $0.5 billion,
$1.1 billion and $1.2 billion at December 31, 2014, 2013 and 2012, respectively.
(6) The December 31, 2014, 2013 and 2012 loans 90+ days past due and 30–89 days past due and related ratios for North America exclude $14 million, $0.9 billion and $1.2 billion, respectively, of loans that are
carried at fair value.
(7) Represents loans classified as Consumer loans on the Consolidated Balance Sheet that are not included in the Citi Holdings consumer credit metrics.