Present - Citigroup

Emerging Markets: A Growing OpportunityGlobal Revenue Pool (1)Citicorp: 2009 FinancialsCAGR$3.9Tr 7%$3.2Tr2.55%2.21.01.4 12%2009 2012EEmerging markets likely torepresent over 55% ofpotential revenue growthDevelopedMarketsEmergingMarkets$60B $15B54% 54%46% 46%Revenue Net Income$1.15Tr $731B66%54%34%46%Mgd. Assets(2,3) (2)Deposits(1) Financial services revenue pool including consumer and corporate/institutional revenues. (source: McKinsey, Citi)(2) End of period.(3) Managed metrics are non-GAAP financial measures. Please see page 34 for additional information on these measures.Note: Developed markets comprise the U.S., Canada, Western Europe, Japan, Australia and New Zealand.12