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Citigroup Inc – ‘10-K’ for 12/31/10 – ‘XML.R25’

On:  Friday, 2/25/11, at 5:07pm ET   ·   For:  12/31/10   ·   Accession #:  1206774-11-316   ·   File #:  1-09924

Previous ‘10-K’:  ‘10-K’ on 2/26/10 for 12/31/09   ·   Next:  ‘10-K’ on 2/24/12 for 12/31/11   ·   Latest:  ‘10-K’ on 2/23/24 for 12/31/23   ·   4 References:   

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  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 2/25/11  Citigroup Inc                     10-K       12/31/10  191:98M                                    DG3/FA

Annual Report   —   Form 10-K   —   Sect. 13 / 15(d) – SEA’34
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Annual Report                                       HTML   6.54M 
 2: EX-10.41.2  Letter Agreement, Dated November 1, 2010, Among     HTML     55K 
                the Company                                                      
 3: EX-10.43.2  Joss Letter Agreement Renewal, Dated October 28,    HTML     49K 
                2010                                                             
 4: EX-10.50    Citigroup Inc. 2010 Key Employee Profit Sharing     HTML    114K 
                Plan                                                             
 5: EX-10.51    Form of Citigroup Inc. 2010 Key Employee Profit     HTML     58K 
                Sharing Plan Award Agreement                                     
 6: EX-10.52    Citigroup Inc. 2010 Key Risk Employee Plan          HTML    102K 
 7: EX-10.53    Form of Citigroup Inc. 2010 Key Risk Employee Plan  HTML     56K 
                Award Agreement                                                  
 8: EX-10.54    Citi Discretionary Incentive and Retention Award    HTML     81K 
                Plan                                                             
11: EX-21.01    Subsidiaries of the Company                         HTML     85K 
12: EX-23.01    Consent of Kpmg LLP, Independent Registered Public  HTML     55K 
                Accounting Firm                                                  
13: EX-24.01    Powers of Attorney                                  HTML     81K 
17: EX-99.01    List of Securities Registered Pursuant to Section   HTML     87K 
                12(B)                                                            
18: EX-99.02    Certification of Principal Executive Officer        HTML     57K 
                Pursuant to Section 111(B)(4)                                    
19: EX-99.03    Certification of Principal Financial Officer        HTML     57K 
                Pursuant to Section 111(B)(4)                                    
 9: EX-12.01    Calculation of Ratio of Income to Fixed Charges     HTML     92K 
10: EX-12.02    Calculation of Ratio of Income to Fixed Charges     HTML     85K 
                Including Preferred Stock                                        
14: EX-31.01    Certification of Principal Executive Officer        HTML     53K 
                Pursuant to Section 302                                          
15: EX-31.02    Certification of Principal Financial Officer        HTML     53K 
                Pursuant to Section 302                                          
16: EX-32.01    Certification Pursuant to 18 U.S.C. Section 1350    HTML     49K 
141: XML         IDEA XML File -- Definitions and References          XML    975K  
167: XML         IDEA XML File -- Filing Summary                      XML   1.21M  
158: XML.R1      Citigroup Inc. and Subsidiaries Consolidated         XML    663K  
                Statement of Income                                              
159: XML.R2      Citigroup Inc. and Subsidiaries Consolidated         XML    660K  
                Balance Sheet                                                    
89: XML.R3      Citigroup Inc. and Subsidiaries Consolidated         XML    299K 
                Balance Sheet (Parenthetical)                                    
105: XML.R4      Citigroup Inc. and Subsidiaries Consolidated         XML   4.16M  
                Statement of Changes in Stockholders' Equity                     
138: XML.R5      Citigroup Inc. and Subsidiaries Consolidated         XML    116K  
                Statement of Changes in Stockholders' Equity                     
                (Parenthetical)                                                  
132: XML.R6      Citigroup Inc. and Subsidiaries Consolidated         XML    787K  
                Statement of Cash Flows                                          
179: XML.R7      Citibank Consolidated Balance Sheet                  XML   2.34M  
51: XML.R8      Citibank Consolidated Balance Sheet                  XML    309K 
                (Parenthetical)                                                  
131: XML.R9      Summary of Significant Accounting Policies           XML    346K  
43: XML.R10     Business Developments                                XML     83K 
42: XML.R11     Discontinued Operations                              XML    183K 
88: XML.R12     Business Segments                                    XML    120K 
151: XML.R13     Interest Revenue and Expense                         XML     99K  
93: XML.R14     Commissions and Fees                                 XML     89K 
98: XML.R15     Principal Transactions                               XML     99K 
123: XML.R16     Incentive Plans                                      XML    201K  
189: XML.R17     Retirement Benefits                                  XML    601K  
75: XML.R18     Income Taxes                                         XML    222K 
26: XML.R19     Earnings Per Share                                   XML    118K 
103: XML.R20     Federal Funds Securities Borrowed, Loaned, and       XML     85K  
                Subject to Repurchase Agreements                                 
148: XML.R21     Brokerage Receivables and Brokerage Payables         XML     81K  
59: XML.R22     Trading Account Assets and Liabilities               XML     96K 
139: XML.R23     Investments                                          XML    565K  
99: XML.R24     Loans                                                XML    336K 
178: XML.R25     Allowance for Credit Losses                          XML    128K  
153: XML.R26     Goodwill and Intangible Assets                       XML    192K  
109: XML.R27     Debt                                                 XML    205K  
124: XML.R28     Regulatory Capital                                   XML    105K  
41: XML.R29     Changes in Accumulated Other Comprehensive Income    XML    143K 
                (Loss)                                                           
47: XML.R30     Securitizations and Variable Interest Entities       XML    673K 
63: XML.R31     Derivatives Activities                               XML    397K 
83: XML.R32     Concentrations of Credit Risk                        XML     73K 
122: XML.R33     Fair Value Measurement                               XML    810K  
152: XML.R34     Fair Value Elections                                 XML    175K  
33: XML.R35     Fair Value of Financial Instruments                  XML    105K 
52: XML.R36     Pledged Securities, Collateral, Commitments and      XML    216K 
                Guarantees                                                       
162: XML.R37     Contingencies                                        XML    127K  
176: XML.R38     Citibank, N.A. Stockholder's Equity                  XML    153K  
111: XML.R39     Subsequent Events                                    XML     72K  
185: XML.R40     Condensed Consolidating Financial Statements         XML   1.17M  
                Schedules                                                        
53: XML.R41     Selected Quarterly Financial Data (Unaudited)        XML    152K 
188: XML.R42     Summary of Significant Accounting Policies           XML    430K  
                (Policies)                                                       
67: XML.R43     Summary of Significant Accounting Policies           XML    198K 
                (Tables)                                                         
29: XML.R44     Discontinued Operations (Tables)                     XML    200K 
64: XML.R45     Business Segments (Tables)                           XML    115K 
147: XML.R46     Interest Revenue and Expense (Tables)                XML     99K  
173: XML.R47     Commissions and Fees (Tables)                        XML     88K  
96: XML.R48     Principal Transactions (Tables)                      XML     98K 
70: XML.R49     Incentive Plans (Tables)                             XML    203K 
121: XML.R50     Retirement Benefits (Tables)                         XML    688K  
39: XML.R51     Income Taxes (Tables)                                XML    309K 
127: XML.R52     Earnings Per Share (Tables)                          XML    116K  
73: XML.R53     Federal Funds Securities Borrowed, Loaned, and       XML     89K 
                Subject to Repurchase Agreements (Tables)                        
50: XML.R54     Brokerage Receivables and Brokerage Payables         XML     79K 
                (Tables)                                                         
170: XML.R55     Trading Account Assets and Liabilities (Tables)      XML     95K  
164: XML.R56     Investments (Tables)                                 XML    630K  
87: XML.R57     Loans (Tables)                                       XML    384K 
57: XML.R58     Allowance for Credit Losses (Tables)                 XML    135K 
155: XML.R59     Goodwill and Intangible Assets (Tables)              XML    204K  
46: XML.R60     Debt (Tables)                                        XML    218K 
133: XML.R61     Regulatory Capital (Tables)                          XML    106K  
128: XML.R62     Changes in Accumulated Other Comprehensive Income    XML    141K  
                (Loss) (Tables)                                                  
163: XML.R63     Securitizations and Variable Interest Entities       XML    744K  
                (Tables)                                                         
157: XML.R64     Derivatives Activities (Tables)                      XML    390K  
181: XML.R65     Fair Value Measurement (Tables)                      XML    772K  
55: XML.R66     Fair Value Elections (Tables)                        XML    181K 
86: XML.R67     Fair Value of Financial Instruments (Tables)         XML     98K 
117: XML.R68     Pledged Securities, Collateral, Commitments and      XML    206K  
                Guarantees (Tables)                                              
101: XML.R69     Citibank, N.A. Stockholders' Equity (Tables)         XML    152K  
120: XML.R70     Condensed Consolidating Financial Statements         XML   1.18M  
                Schedules (Tables)                                               
187: XML.R71     Selected Quarterly Financial Data (Tables)           XML    151K  
56: XML.R72     Summary of Significant Accounting Policies           XML    786K 
                (Details)                                                        
68: XML.R73     Summary of Significant Accounting Policies           XML   7.35M 
                (Details 2)                                                      
62: XML.R74     Business Developments (Details)                      XML    927K 
113: XML.R75     Discontinued Operations (Details)                    XML   4.27M  
126: XML.R76     Business Segments (Details)                          XML   1.77M  
108: XML.R77     Business Segments (Details 2)                        XML    292K  
97: XML.R78     Interest Revenue and Expense (Details)               XML    296K 
54: XML.R79     Commissions and Fees (Details)                       XML    714K 
31: XML.R80     Principal Transactions (Details)                     XML    821K 
115: XML.R81     Incentive Plans (Details)                            XML   8.31M  
85: XML.R82     Incentive Plans (Details 2)                          XML    936K 
107: XML.R83     Incentive Plans (Details 3)                          XML    174K  
144: XML.R84     Retirement Benefits (Details)                        XML    841K  
137: XML.R85     Retirement Benefits (Details 2)                      XML   1.31M  
77: XML.R86     Retirement Benefits (Details 3)                      XML    763K 
150: XML.R87     Retirement Benefits (Details 4)                      XML   2.04M  
134: XML.R88     Retirement Benefits (Details 5)                      XML    863K  
61: XML.R89     Retirement Benefits (Details 6)                      XML   3.49M 
95: XML.R90     Retirement Benefits (Details 7)                      XML    792K 
136: XML.R91     Income Taxes (Details)                               XML   1.06M  
74: XML.R92     Income Taxes (Details 2)                             XML    544K 
154: XML.R93     Income Taxes (Details 3)                             XML    198K  
81: XML.R94     Income Taxes (Details 4)                             XML    462K 
143: XML.R95     Income Taxes (Details 5)                             XML    644K  
116: XML.R96     Earnings Per Share (Details)                         XML   1.55M  
32: XML.R97     Federal Funds Securities Borrowed, Loaned, and       XML    163K 
                Subject to Repurchase Agreements (Details)                       
79: XML.R98     Brokerage Receivables and Brokerage Payables         XML    134K 
                (Details)                                                        
149: XML.R99     Trading Account Assets and Liabilities (Details)     XML    905K  
48: XML.R100    Investments (Details)                                XML   1.91M 
110: XML.R101    Investments (Details 2)                              XML   1.54M  
125: XML.R102    Investments (Details 3)                              XML   1.19M  
161: XML.R103    Investments (Details 4)                              XML   1.12M  
191: XML.R104    Investments (Details 5)                              XML    489K  
71: XML.R105    Investments (Details 6)                              XML    510K 
34: XML.R106    Investments (Details 7)                              XML    211K 
76: XML.R107    Investments (Details 8)                              XML    260K 
84: XML.R108    Investments (Details 9)                              XML    600K 
45: XML.R109    Investments (Details 10)                             XML    213K 
169: XML.R110    Loans (Details)                                      XML   1.28M  
166: XML.R111    Loans (Details 2)                                    XML   2.11M  
38: XML.R112    Loans (Details 3)                                    XML    533K 
90: XML.R113    Loans (Details 4)                                    XML    794K 
106: XML.R114    Loans (Details 5)                                    XML    350K  
140: XML.R115    Loans (Details 6)                                    XML    730K  
40: XML.R116    Loans (Details 7)                                    XML    959K 
180: XML.R117    Loans (Details 8)                                    XML    310K  
118: XML.R118    Allowance for Credit Losses (Details)                XML    250K  
102: XML.R119    Allowance for Credit Losses (Details 2)              XML    671K  
37: XML.R120    Allowance for Credit Losses (Details 3)              XML    811K 
146: XML.R121    Goodwill and Intangible Assets (Details)             XML    225K  
129: XML.R122    Goodwill and Intangible Assets (Details 2)           XML    738K  
80: XML.R123    Goodwill and Intangible Assets (Details 3)           XML    257K 
69: XML.R124    Goodwill and Intangible Assets (Details 4)           XML   1.07M 
94: XML.R125    Debt (Details)                                       XML    256K 
183: XML.R126    Debt (Details 2)                                     XML   1.78M  
112: XML.R127    Debt (Details 3)                                     XML    971K  
114: XML.R128    Regulatory Capital (Details)                         XML    308K  
156: XML.R129    Changes in Accumulated Other Comprehensive Income    XML    772K  
                (Loss) (Details)                                                 
130: XML.R130    Securitizations and Variable Interest Entities       XML   2.32M  
                (Details)                                                        
28: XML.R131    Securitizations and Variable Interest Entities       XML    787K 
                (Details 2)                                                      
160: XML.R132    Securitizations and Variable Interest Entities       XML   1.20M  
                (Details 3)                                                      
65: XML.R133    Securitizations and Variable Interest Entities       XML    311K 
                (Details 4)                                                      
92: XML.R134    Securitizations and Variable Interest Entities       XML    405K 
                (Details 5)                                                      
119: XML.R135    Securitizations and Variable Interest Entities       XML    331K  
                (Details 6)                                                      
104: XML.R136    Securitizations and Variable Interest Entities       XML   2.22M  
                (Details 7)                                                      
182: XML.R137    Securitizations and Variable Interest Entities       XML    481K  
                (Details 8)                                                      
66: XML.R138    Securitizations and Variable Interest Entities       XML    576K 
                (Details 9)                                                      
49: XML.R139    Securitizations and Variable Interest Entities       XML    996K 
                (Details 10)                                                     
190: XML.R140    Derivatives Activities (Details)                     XML   1.37M  
175: XML.R141    Derivatives Activities (Details 2)                   XML   1.34M  
91: XML.R142    Derivatives Activities (Details 3)                   XML    746K 
27: XML.R143    Derivatives Activities (Details 4)                   XML    781K 
165: XML.R144    Concentrations of Credit Risk (Details)              XML    189K  
177: XML.R145    Fair Value Measurement (Details)                     XML   8.57M  
35: XML.R146    Fair Value Measurement (Details 2)                   XML   4.30M 
72: XML.R147    Fair Value Measurement (Details 3)                   XML    901K 
100: XML.R148    Fair Value Measurement (Details 4)                   XML    232K  
184: XML.R149    Fair Value Elections (Details)                       XML   1.89M  
60: XML.R150    Fair Value Elections (Details 2)                     XML    609K 
82: XML.R151    Fair Value of Financial Instruments (Details)        XML    768K 
135: XML.R152    Pledged Securities, Collateral, Commitments and      XML    330K  
                Guarantees (Details)                                             
36: XML.R153    Pledged Securities, Collateral, Commitments and      XML   1.33M 
                Guarantees (Details 2)                                           
30: XML.R154    Pledged Securities, Collateral, Commitments and      XML    851K 
                Guarantees (Details 3)                                           
145: XML.R155    Contingencies (Details)                              XML   3.09M  
58: XML.R156    Citibank, N.A. Stockholder's Equity (Details)        XML   3.78M 
172: XML.R157    Subsequent Events (Details)                          XML     68K  
44: XML.R158    Condensed Consolidating Statements of Income         XML   6.10M 
                (Details)                                                        
78: XML.R159    Condensed Consolidating Balance Sheet (Details 2)    XML   3.03M 
171: XML.R160    Condensed Consolidating Statements of Cash Flows     XML   2.70M  
                (Details 3)                                                      
142: XML.R161    Selected Quarterly Financial Data (Details)          XML   1.08M  
174: XML.R162    Document and Entity Information                      XML    240K  
168: EXCEL       IDEA Workbook of Financial Reports (.xls)            XLS  12.77M  
20: EX-101.INS  XBRL Instance -- c-20101231                          XML  18.64M 
24: EX-101.CAL  XBRL Calculations -- c-20101231_cal                  XML    623K 
25: EX-101.DEF  XBRL Definitions -- c-20101231_def                   XML   4.33M 
23: EX-101.LAB  XBRL Labels -- c-20101231_lab                        XML  11.39M 
22: EX-101.PRE  XBRL Presentations -- c-20101231_pre                 XML   5.42M 
21: EX-101.SCH  XBRL Schema -- c-20101231                            XSD   1.18M 
186: ZIP         XBRL Zipped Folder -- 0001206774-11-000316-xbrl      Zip   1.32M

‘XML.R25’   —   Allowance for Credit Losses

This Financial Report is an XBRL XML File.

                                                                                                                                                                                
<?xml version="1.0" encoding="windows-1252"?>
<InstanceReport xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Version> 2.2.0.25 </Version>
<hasSegments> false </hasSegments>
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<MCU>
<KeyName> 1/1/2010 - 12/31/2010 USD ($) / shares USD ($) </KeyName>
<CurrencySymbol> $ </CurrencySymbol>
<contextRef>
<ContextID> D2010 </ContextID>
<EntitySchema> http://www.sec.gov/CIK </EntitySchema>
<EntityValue> 0000831001 </EntityValue>
<PeriodDisplayName/>
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<UnitProperty>
<UnitID> USDPerShare </UnitID>
<UnitType> Divide </UnitType>
<NumeratorMeasure>
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<MeasureValue> USD </MeasureValue>
<MeasureNamespace> iso4217 </MeasureNamespace>
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<DenominatorMeasure>
<MeasureSchema> http://www.xbrl.org/2003/instance </MeasureSchema>
<MeasureValue> shares </MeasureValue>
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<UnitProperty>
<UnitID> shares </UnitID>
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<MeasureValue> shares </MeasureValue>
<MeasureNamespace> xbrli </MeasureNamespace>
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</UPS>
<CurrencyCode> USD </CurrencyCode>
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<CurrencySymbol> $ </CurrencySymbol>
<Labels>
<Label Id="1" Label="12 Months Ended"/>
<Label Id="2" Label="Dec. 31, 2010"/>
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<IsTotalLabel> false </IsTotalLabel>
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<Label> ALLOWANCE FOR CREDIT LOSSES </Label>
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<ShortDefinition> Schedule of the allowance for loan and lease losses. </ShortDefinition>
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<table style="font-size:10pt; font-family:'Times New Roman',times,serif;"> <tr> <td> <div align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: Arial" size="2">17. ALLOWANCE FOR CREDIT LOSSES</font></font></div> <div> </div> <div> <table style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0"> <tr valign="bottom"> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="85%"><font style="DISPLAY: inline; FONT-STYLE: italic"><font style="FONT-FAMILY: arial" size="1">In millions of dollars</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%">     </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="4%" colspan="2"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">2010</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%">     </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="4%" colspan="2"><font style="FONT-FAMILY: arial" size="1">2009</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%">     </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%" colspan="2"><font style="FONT-FAMILY: arial" size="1">2008</font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom"> <td nowrap="nowrap" align="left" width="85%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">Allowance for loan losses at beginning of year</font></font></td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">36,033</font></font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">29,616</font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td nowrap="nowrap" align="right" width="2%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">16,117</font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td></tr> <tr valign="bottom"> <td nowrap="nowrap" align="left" width="85%"><font style="FONT-FAMILY: arial" size="1">       Gross credit losses</font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">(34,491</font></font></td> <td nowrap="nowrap" align="left" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">)</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="FONT-FAMILY: arial" size="1">(32,784</font></td> <td nowrap="nowrap" align="left" width="1%"><font style="FONT-FAMILY: arial" size="1">)</font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="2%"><font style="FONT-FAMILY: arial" size="1">(20,760</font></td> <td nowrap="nowrap" align="left" width="1%"><font style="FONT-FAMILY: arial" size="1">)</font></td></tr> <tr valign="bottom"> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="85%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">       Gross recoveries</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">3,632</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">2,043</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="2%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">1,749</font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td></tr> <tr valign="bottom"> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="85%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">Net credit (losses) recoveries (NCLs)</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">(30,859</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">)</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="FONT-FAMILY: arial" size="1">(30,741</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"><font style="FONT-FAMILY: arial" size="1">)</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="2%"><font style="FONT-FAMILY: arial" size="1">(19,011</font></td> <td nowrap="nowrap" align="left" width="1%"><font style="FONT-FAMILY: arial" size="1">)</font></td></tr> <tr valign="bottom"> <td nowrap="nowrap" align="left" width="85%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">       NCLs</font></td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">30,859</font></font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">30,741</font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td nowrap="nowrap" align="right" width="2%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">19,011</font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td></tr> <tr valign="bottom"> <td nowrap="nowrap" align="left" width="85%"><font style="FONT-FAMILY: arial" size="1">       Net reserve builds (releases)</font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">(6,523</font></font></td> <td nowrap="nowrap" align="left" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">)</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="FONT-FAMILY: arial" size="1">5,741</font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="2%"><font style="FONT-FAMILY: arial" size="1">11,297</font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom"> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="85%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">       Net specific reserve builds (releases)</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">858</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">2,278</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="2%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">3,366</font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td></tr> <tr valign="bottom"> <td nowrap="nowrap" align="left" width="85%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">Total provision for credit losses</font></font></td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">25,194</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="1%"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td nowrap="nowrap" align="right" width="3%"><font style="FONT-FAMILY: arial" size="1">38,760</font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="1%"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td nowrap="nowrap" align="right" width="2%"><font style="FONT-FAMILY: arial" size="1">33,674</font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom"> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="85%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">Other, net <font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">10,287</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">(1,602</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">)</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="2%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">(1,164</font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">)</font></td></tr> <tr valign="bottom"> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="85%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">Allowance for loan losses at end of year</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">40,655</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="FONT-FAMILY: arial" size="1">36,033</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="2%"><font style="FONT-FAMILY: arial" size="1">29,616</font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom"> <td nowrap="nowrap" align="left" width="85%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">Allowance for credit losses on unfunded lending commitments at beginning of year <font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(2)</font></font></font></td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">1,157</font></font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">887</font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td nowrap="nowrap" align="right" width="2%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">1,250</font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td></tr> <tr valign="bottom"> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="85%"><font style="FONT-FAMILY: arial" size="1">Provision for unfunded lending commitments</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">(117</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">)</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="FONT-FAMILY: arial" size="1">244</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="2%"><font style="FONT-FAMILY: arial" size="1">(363</font></td> <td nowrap="nowrap" align="left" width="1%"><font style="FONT-FAMILY: arial" size="1">)</font></td></tr> <tr valign="bottom"> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="85%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">Allowance for credit losses on unfunded lending commitments at end of year <font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(2)</font></font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">1,066</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">1,157</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="2%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">887</font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td></tr> <tr valign="bottom"> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="left" width="85%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">Total allowance for loans, leases, and unfunded lending commitments</font></font></td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="right" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">41,721</font></font></td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="right" width="1%"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="right" width="3%"><font style="FONT-FAMILY: arial" size="1">37,190</font></td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="right" width="1%"><font style="FONT-FAMILY: arial" size="1">$</font></td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="right" width="2%"><font style="FONT-FAMILY: arial" size="1">30,503</font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr></table></div> <br /> <div> <table cellspacing="0" cellpadding="0" border="0"> <tr> <td valign="top" nowrap="nowrap"><font style="FONT-FAMILY: arial" size="1">(1)</font></td> <td valign="top" nowrap="nowrap"> </td> <td valign="top" width="100%"><font style="FONT-FAMILY: arial" size="1">2010 primarily includes an addition of $13.4 billion related to the impact of consolidating entities in connection with Citi’s adoption of SFAS 166/167 (see Note 1 to the Consolidated Financial Statements) and reductions of approximately $2.7 billion related to the sale or transfer to held-for-sale of various U.S. loan portfolios and approximately $290 million related to the transfer of a U.K. first mortgage portfolio to held-for-sale. 2009 primarily includes reductions to the loan loss reserve of approximately $543 million related to securitizations, approximately $402 million related to the sale or transfers to held-for-sale of U.S. real estate lending loans, and $562 million related to the transfer of the U.K. cards portfolio to held-for-sale. 2008 primarily includes reductions to the loan loss reserve of approximately $800 million related to FX translation, $102 million related to securitizations, $244 million for the sale of the German retail banking operation, and $156 million for the sale of CitiCapital, partially offset by additions of $106 million related to the Cuscatlán and Bank of Overseas Chinese acquisitions.</font></td></tr> <tr> <td valign="top" nowrap="nowrap"><font style="FONT-FAMILY: arial" size="1">(2)</font></td> <td valign="top" nowrap="nowrap">     </td> <td valign="top" width="100%"><font style="FONT-FAMILY: arial" size="1">Represents additional credit loss reserves for unfunded lending commitments and letters of credit recorded in </font><font style="DISPLAY: inline; FONT-STYLE: italic"><font style="FONT-FAMILY: arial" size="1">Other Liabilities </font></font><font style="FONT-FAMILY: arial" size="1">on the Consolidated Balance Sheet.</font></td></tr></table></div> <div align="left"> </div> <div align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: Arial" size="2">Allowance for Credit Losses and Investment in Loans at December 31, 2010</font></font></div> <div> </div> <div> <table style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0"> <tr valign="bottom"> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="84%"><font style="DISPLAY: inline; FONT-STYLE: italic"><font style="FONT-FAMILY: arial" size="1">In millions of dollars</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" align="right" width="4%" colspan="2"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">Corporate</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%">     </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="4%" colspan="2"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">Consumer</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%">     </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="4%" colspan="2"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">Total</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom"> <td nowrap="nowrap" align="left" width="84%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">       Allowance for loan losses at beginning of year</font></td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td></tr> <tr valign="bottom"> <td nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">              Beginning balance</font></td> <td nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="TEXT-ALIGN: right" nowrap="nowrap" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">7,636</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="TEXT-ALIGN: right" nowrap="nowrap" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">28,397</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td style="TEXT-ALIGN: right" nowrap="nowrap" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="TEXT-ALIGN: right" nowrap="nowrap" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">36,033</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom"> <td nowrap="nowrap" align="left" width="84%" bgcolor="#c0c0c0"><font style="FONT-FAMILY: arial" size="1">              Charge-offs</font></td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">(3,416</font></font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">)</font></font></td> <td nowrap="nowrap" align="right" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">(31,075</font></font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">)</font></font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"> </td> <td nowrap="nowrap" align="right" width="3%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">(34,491</font></font></td> <td nowrap="nowrap" align="left" width="1%" bgcolor="#c0c0c0"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">)</font></font></td></tr> <tr valign="bottom"> <td nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">              Recoveries</font></td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">994</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">2,638</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">3,632</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom" bgcolor="silver"> <td nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">              Replenishment of net charge-offs</font></td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-FAMILY: arial" size="1">2,422</font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-FAMILY: arial" size="1">28,437</font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-FAMILY: arial" size="1">30,859</font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom" bgcolor="white"> <td nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">              Net reserve builds/(releases)</font></td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">(1,625</font></font></td> <td nowrap="nowrap" align="left" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">)</font></font></td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">(4,898</font></font></td> <td nowrap="nowrap" align="left" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">)</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">(6,523</font></font></td> <td nowrap="nowrap" align="left" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">)</font></font></td></tr> <tr valign="bottom" bgcolor="silver"> <td nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">              Net specific reserve builds/(releases)</font></td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">(722</font></font></td> <td nowrap="nowrap" align="left" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">)</font></font></td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">1,580</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">858</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom" bgcolor="white"> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">              Other</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">(79</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">)</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">10,366</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">10,287</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom" bgcolor="silver"> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">       <font style="DISPLAY: inline; FONT-WEIGHT: bold">Ending balance</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">5,210</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">35,445</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">40,655</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom" bgcolor="white"> <td nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">       Allowance for loan losses</font></td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="left" width="3%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="left" width="3%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="left" width="3%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom" bgcolor="silver"> <td nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">              Determined in accordance with ASC 450-20</font></td> <td nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">3,471</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">27,683</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">31,154</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom" bgcolor="white"> <td nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">              Determined in accordance with ASC 310-10-35</font></td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">1,689</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">7,735</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">9,424</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom" bgcolor="silver"> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">              Determined in accordance with ASC 310-30</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">50</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">27</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">77</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom" bgcolor="white"> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">       <font style="DISPLAY: inline; FONT-WEIGHT: bold">Total allowance for loan losses</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">5,210</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">35,445</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">40,655</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom" bgcolor="silver"> <td nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">       Loans, net of unearned income</font></td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="left" width="3%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="left" width="3%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="left" width="3%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom" bgcolor="white"> <td nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">              Loans collectively evaluated for impairment in accordance with ASC 450-20</font></td> <td nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">179,924</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">428,334</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">608,258</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom" bgcolor="silver"> <td nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">              Loans individually evaluated for impairment in accordance with ASC 310-10-35</font></td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">8,367</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">27,328</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">35,695</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom" bgcolor="white"> <td nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">              Loans acquired with deteriorated credit quality in accordance with ASC 310-30</font></td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">244</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">225</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="left" width="1%"> </td> <td nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">469</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom" bgcolor="silver"> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="84%"><font style="FONT-FAMILY: arial" size="1">              Loans held at fair value</font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">2,627</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">1,745</font></font></td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">4,372</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr> <tr valign="bottom" bgcolor="white"> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="left" width="84%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">Total loans, net of unearned income</font></font></td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">191,162</font></font></td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">457,632</font></font></td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="left" width="1%"> </td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="right" width="1%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">$</font></font></td> <td style="BORDER-BOTTOM: #000000 1.5pt solid" nowrap="nowrap" align="right" width="3%"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: arial" size="1">648,794</font></font></td> <td nowrap="nowrap" align="left" width="1%"> </td></tr></table></div> <br /></td></tr></table>
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<NonNumericTextHeader> 17. ALLOWANCE FOR CREDIT LOSSES   In millions of </NonNumericTextHeader>
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4 Subsequent Filings that Reference this Filing

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 1/31/12  SEC                               UPLOAD9/11/17    1:45K  Citigroup Inc.
12/12/11  SEC                               UPLOAD9/11/17    1:49K  Citigroup Inc.
10/27/11  SEC                               UPLOAD9/11/17    1:61K  Citigroup Inc.
 8/02/11  SEC                               UPLOAD9/11/17    1:72K  Citigroup Inc.
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