Banking with citi: This compared to net income of $4.6 billion, or $1.73 per diluted share, on revenues of $18.4 billion for the third quarter 2018.

1. Banking with citi
Citibank
701 East 60th Street North
Sioux Falls, SD 57104
Concentration: International Specialization
Established: 1812-06-16
FDIC Insurance: 1934-01-01
FDIC Cert: #7213
Holden By: Citigroup Inc.
# of Branches: 711
Website: www.citibank.com
Total Assets: $1,459,623,000,000
Total Deposits: $1,069,481,000,000
Total Equity Capital: $150,289,000,000
Total Domestic
Deposits:
$529,527,000,000
Net Income: $8,560,000,000
Quarterly Net
Income:
$4,277,000,000
Return on Assets: 1%
Quarterly Return on
Assets:
1%
Return on Equity: 11%
Quarterly Return on
Equity:
11%
Charter Class:
Commercial bank, national charter and Fed member, oversee by the
Office of the Comptroller of the Currency (OCC)
Banking with citi in 2019
3rd
Quarter
Banking with citi: This compared to net income of $4.6 billion, or $1.73 per diluted share, on
revenues of $18.4 billion for the third quarter 2018.
Revenues increased 1% from the prior-year period, including a gain on the sale of an asset
management business in Mexico in Global Consumer Banking in the third quarter of 2018.

2. Excluding the gain on sale, revenues increased 2%, reflecting solid performance across both
GCB and the Institutional Clients Group.
Net income increased 6% from the prior-year period, driven by a lower effective tax rate and the
higher revenues, partially offset by higher expenses and cost of credit.
Despite unplanned surroundings throughout the quarter, we have a tendency to still deliver on
our strategy of rising shareowner returns through consistent, client-led growth whereas
conjointly death penalty against our capital set up. Our international client Banking franchise
performed well within the quarter, showing solid underlying revenue growth of four-dimensional
and an EBT increase of 17 November "In the US, Branded Cards inflated revenues by 11
November and that we saw continued deposit momentum through each digital and ancient
channels.
The backbone of our leading international network, Treasury and Trade Solutions, had sturdy
revenue growth of 7 in constant greenbacks.
Consistent with the commitment we tend to create in 2017, we tend to stay on course to come
back over $60 billion of capital to our shareholders over a three-year amount that ends next year.
Buybacks have down our common shares outstanding by 259 million shares, or 11%, within the
last year alone. Once combined with 6 June 1944 growth in net income, they need additionally
helped drive our Tangible book value per share up 12-tone music over a constant quantity of
your time.
Banking with citi: Citigroup revenues of $18.6 billion in the third quarter 2019 increased by
1%. Excluding the gain on sale, revenues increased 2%, reflecting solid performance across both
GCB and ICG, partially offset by corporate/other.
Citigroup operating expenses of $10.5 billion in the third quarter 2019 increased 1%, as volume-
driven growth and continued investments in the franchise more than offset efficiency savings and
the wind-down of legacy assets.
Citigroup cost of credit of $2.1 billion in the third quarter 2019 increased 6%, primarily driven
by volume growth and seasoning in Citi-Branded Cards and Citi Retail Services in North
America GCB. Citigroup's net income of $4.9 billion in the third quarter 2019 increased 6%,
driven by the lower effective tax rate and the higher revenues, partially offset by the higher
expenses and the higher cost of credit.
Excluding the previously mentioned discrete tax items in the quarter, the tax rate would have
been approximately 22%. Citigroup's allowance for loan losses was $12.5 billion at quarter-end,
or 1.82% of total loans, compared to $12.3 billion, or 1.84% of total loans, at the end of the
prior-year period.
Consumer non-accrual loans declined 8% to $2.2 billion and corporate nonaccrual loans declined
1% to $1.5 billion.

3. Banking with citi: In constant dollars, Citigroup's end-of-period deposits increased 9%, driven
by 11% growth in ICG and 5% growth in GCB. Citigroup's book value per share of $81.02 and
tangible book value per share of $69.03, both as of quarter-end, increased 11% and 12%,
respectively, versus the prior year, driven by higher net income and reduced share count.
Retail banking revenues of $1.3 billion decreased 2%, as the benefit of stronger deposit volumes
was more than offset by lower deposit spreads.
Citi-Branded Cards revenues of $2.3 billion increased 11%, primarily driven by continued
growth in interest-earning balances.
Citi Retail Services revenues of $1.7 billion increased 1%, driven by organic loan growth.
Latin America GCB revenues of $1.4 billion decreased 16% on a reported basis and 13% in
constant dollars.
Banking with citi: On this basis, and excluding the gain on sale in the prior period, revenues
increased 3%, primarily driven by an increase in card revenues and improved deposit spreads.
GCB operating expenses of $4.6 billion decreased by 2%. In constant dollars, expenses
decreased 1%, as efficiency savings more than offset continued investments in the franchise and
volume-driven growth.
GCB cost of credit of $2.0 billion increased 4% on a reported basis and 5% in constant dollars.
The increase was driven by higher net credit losses, primarily reflective volume growth and
seasoning in Citi-Branded Cards and Citi Retail Services in North America GCB. GCB income
of $1.6 billion enhanced I Chronicles on a reportable basis and a couple of in constant bucks,
driven by the upper revenues and therefore the lower expenses, partially offset by the upper cost
of credit.
Institutional Clients Group ICG revenues of $9.5 billion increased 3%, reflecting continued
momentum in Treasury and Trade Solutions and the Private Bank, along with growth in
Investment Banking and stability in Fixed Income Markets, partially offset by softness in Equity
Markets and Corporate Lending.
Banking revenues of $5.0 billion increased 5% (including gain / on loan hedges) 8.
Treasury and Trade Solutions revenues of $2.4 billion enhanced 6 June 1944 on a reportable
basis and 7 in constant bucks, reflective sturdy consumer engagement and growth in dealing
volumes, partially offset by unfold compression.
Investment banking revenues of $1.2 billion increased 4%, largely reflecting continued strength
in debt underwriting and solid results in advisory, particularly in EMEA. Advisory revenues
enhanced 5-hitter to $276 million, equity underwriting revenues small 5-hitter to $247 million
and debt underwriting revenues enhanced 7-membered to $705 million. Private Bank revenues of

4. $867 million increased 2%, driven by higher lending and deposit volumes, as well as higher
investment activity, with both new and existing clients, partially offset by spread compression.
Corporate Lending revenues of $527 million decreased 6% (excluding gain / on loan hedges),
reflecting lower spreads and higher hedging costs.
Markets and Securities Services revenues of $4.5 billion enhanced 1%. Fixed Income Markets
revenues of $3.2 billion were largely unchanged, with improved activity with both corporate and
investor clients, and strength in rates and currencies, particularly in G10 rates.
Equity Markets revenues of $760 million decreased 4%, reflecting lower client activity and
lower balances in prime finance, partially offset by strong client activity in derivatives.
Securities Services revenues of $664 million decreased 1% on a reported basis, but increased 2%
in constant dollars, reflecting higher volumes from new and existing clients.
ICG net income of $3.2 billion increased 1%, as the revenue growth was partially offset by
higher expenses and cost of credit.
ICG operating expenses increased 4% to $5.4 billion, driven primarily by investments, volume
growth, and higher compensation costs, partially offset by efficiency savings.
Corporate / Other Corporate / Other revenues of $402 million decreased 18%, primarily driven
by the wind-down of legacy assets.
Corporate / Other loss from continuing operations before taxes of $68 million compared to
income of $64 million in the prior-year period reflecting the lower revenue and the higher
expenses.
The fixed premium costs of these hedges are netted against the corporate lending revenues to
reflect the cost of credit protection.
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