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Non-GAAP Financial MeasuresRECONCILIATION OF NON-GAAP FINANCIAL MEASURESCiticorp Adjusted ROA Reconciliation ($B)AdjustmentsNet Income from Cont. Ops. Loan Loss Revenue GoodwillAdjustedCiticorp Reserves (1) Marks imp.Net Income2006 $12.5 ($0.1) $12.62007 14.6 (0.7) 0.7 14.72008 6.2 (2.0) 0.1 (6.1) 14.12009 14.8 (1.8) (0.8) 17.3Avg. N.A. Cards Mgd. Avg.Assets Sec. Impact Assets2006 $1,047 $68 $1,1152007 1,353 67 $1,4202008 1,256 70 $1,3262009 1,035 69 $1,104Adjusted ROA2006 113% 1.13%2007 1.03%2008 1.07%2009 1.57%(1) Includes provision for unfunded lending commitments35
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