Citibank 2014 Annual Report Download - page 105
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88
Consumer Loan Net Credit Losses and Ratios
Average
loans (1) Net credit losses (2)
In millions of dollars, except average loan amounts in billions 2014 2014 2013 2012
Citicorp
Total $297.8 $7,051 $ 7,211 $ 8,107
Ratio 2.37% 2.51% 2.87%
Retail banking
Total $155.6 $1,429 $ 1,343 $ 1,258
Ratio 0.92% 0.91% 0.89%
North America 46.4 140 184 247
Ratio 0.30% 0.43% 0.60%
EMEA 5.7 20 26 46
Ratio 0.35% 0.48% 0.98%
Latin America 29.8 948 844 648
Ratio 3.18% 2.86% 2.49%
Asia 73.7 321 289 317
Ratio 0.44% 0.41% 0.46%
Cards
Total $142.2 $5,622 $ 5,868 $ 6,849
Ratio 3.95% 4.18% 4.82%
North America—Citi-branded 66.4 2,197 2,555 3,187
Ratio 3.31% 3.72% 4.43%
North America—Retail services 43.2 1,866 1,895 2,322
Ratio 4.32% 4.92% 6.29%
EMEA 2.4 41 42 59
Ratio 1.71% 1.62% 2.11%
Latin America 11.6 1,060 883 757
Ratio 9.14% 7.55% 7.07%
Asia 18.6 458 493 524
Ratio 2.46% 2.59% 2.65%
Citi Holdings
Total $ 82.9 $1,626 $ 3,045 $ 5,873
Ratio 1.96% 3.02% 4.72%
International 4.0 68 217 536
Ratio 1.70% 3.39% 5.70%
North America 78.9 1,558 2,828 5,337
Ratio 1.97% 2.99% 4.64%
Other (3) — 8 6 28
Total Citigroup $380.7 $8,685 $10,262 $14,008
Ratio 2.28% 2.64% 3.44%
(1) Average loans include interest and fees on credit cards.
(2) The ratios of net credit losses are calculated based on average loans, net of unearned income.
(3) Represents NCLs on loans classified as Consumer loans on the Consolidated Balance Sheet that are not included in the Citi Holdings consumer credit metrics.