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Adjusted Return On AssetsNet Income (1) ex-Net Revenue Marks & LLR Builds as a % of Avg. Managed (2) AssetsCiticorp By RegionAvg. '06-'07 2009296% 2.96%2.26%1.86% 1.83%165% 1.65%0.60%1.00%0.83%N.A. EMEA LatAm Asia(1) Net income from continuing operations.(2) Managed metrics are non-GAAP financial measures. Please see page 41 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%.26