Present - Citigroup

Non-GAAP Financial MeasuresRECONCILIATION OF NON-GAAP FINANCIAL MEASURESCiticorp + Corp Other Adjusted ROA Reconciliation ($B)AdjustmentsNet Income from Cont. Ops. Loan Loss Revenue Preferred TARP Rep./ GoodwillCiticorp Ctcop Corp/Other Total Reserves (1) Marks Exchange Loss sharing imp. Net Income2006 $12.5 ($1.2) $11.3 ($0.1) $11.42007 14.6 (2.7) 11.9 (0.7) 0.7 $12.02008 6.2 (2.2) 4.0 (2.0) 0.1 (6.1) $12.02009 14.8 (7.6) 7.2 (1.8) (0.8) 0.9 (6.2) $15.0Avg. N.A. Cards Mgd. Avg.Assets Sec. Impact Assets2006 $1,069 $68 $1,1372007 1,382 67 $1,4492008 1,336 70 $1,4062009 1,243 69 $1,312Adjusted ROA2006 1.00%2007 0.83%2008 0.85%2009 1.15%Average2006/2007 0.91%(1) Includes provision for unfunded lending commitments42