Citibank 2014 Annual Report Download - page 20

3
CITIGROUP’S 2014 ANNUAL REPORT ON FORM 10-K
OVERVIEW 4
MANAGEMENT’S DISCUSSION AND ANALYSIS
OF FINANCIAL CONDITION AND RESULTS
OF OPERATIONS 6
Executive Summary 6
Summary of Selected Financial Data 9
SEGMENT AND BUSINESS—INCOME (LOSS)
AND REVENUES 11
CITICORP 13
Global Consumer Banking (GCB) 14
North America GCB 16
EMEA GCB 18
Latin America GCB 20
Asia GCB 22
Institutional Clients Group 24
Corporate/Other 28
CITI HOLDINGS 29
BALANCE SHEET REVIEW 31
OFF-BALANCE SHEET ARRANGEMENTS 34
CONTRACTUAL OBLIGATIONS 35
CAPITAL RESOURCES 36
Current Regulatory Capital Standards 36
Overview 36
Basel III Transition Arrangements 37
Basel III (Full Implementation) 46
Supplementary Leverage Ratio 51
Regulatory Capital Standards Developments 53
Tangible Common Equity, Tangible Book Value Per Share
and Book Value Per Share 53
RISK FACTORS 54
Managing Global Risk Table of Contents—Credit,
Market (Including Funding and Liquidity), Operational and
Country and Cross-Border Risk Sections 67
MANAGING GLOBAL RISK 68
Overview 68
Citi’s Risk Management Organization 68
Citi’s Compliance Organization 71
SIGNIFICANT ACCOUNTING POLICIES AND
SIGNIFICANT ESTIMATES 124
DISCLOSURE CONTROLS AND PROCEDURES 127
MANAGEMENT’S ANNUAL REPORT
ON INTERNAL CONTROL OVER
FINANCIAL REPORTING 128
FORWARD-LOOKING STATEMENTS 129
REPORT OF INDEPENDENT REGISTERED
PUBLIC ACCOUNTING FIRM—INTERNAL
CONTROL OVER FINANCIAL REPORTING 130
REPORT OF INDEPENDENT REGISTERED
PUBLIC ACCOUNTING FIRM—
CONSOLIDATED FINANCIAL STATEMENTS 131
FINANCIAL STATEMENTS AND NOTES
TABLE OF CONTENTS 133
CONSOLIDATED FINANCIAL STATEMENTS 134
NOTES TO CONSOLIDATED
FINANCIAL STATEMENTS 141
FINANCIAL DATA SUPPLEMENT 300
SUPERVISION, REGULATION AND OTHER 301
Supervision and Regulation 301
Competition 301
Properties 302
Disclosure Pursuant to Section 219 of the Iran Threat Reduction
and Syria Human Rights Act 302
Unregistered Sales of Equity, Purchases of Equity
Securities, Dividends 303
Performance Graph 304
CORPORATE INFORMATION 305
Citigroup Executive Officers 305
Citigroup Board of Directors 305