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Adjusted Return On AssetsNet Income (1) ex-Net Revenue Marks & LLR Builds as a % of Avg. Managed (2) AssetsCiticorp By BusinessAvg. '06-'07 20096.23%Int’l ’06/’07 ’09Cards: 5.08% 1.49%RB: 1.94% 1.45%N.A. ’06/’07 ’09Cards: 2.14% 0.18%RB: 2.28% 3.39%2.56%1.45%2.14%063% 0.63%0.59%1.36%302% 3.02%Int'l RCB N.A. RCB S&B GTS(1) Net income from continuing operations.(2) Managed metrics are non-GAAP financial measures. Please see pages 37-40 for additional information on these metrics.Note: Adjusted ROA is a non-GAAP financial measure. Adjusted ROA excludes impact of loan loss reserve builds (LLR) and of net revenue marks,tax affected at 35%.25
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