Citigroup Inc
Industry: Money Center Banks

Citigroup (NYSE: C), the preeminent global financial services company with some 200 million customer accounts in more than 100 countries, provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, insurance, securities brokerage, and asset management. Major brand names under Citigroup's trademark red umbrella include Citibank, CitiFinancial, Primerica, Salomon Smith Barney, Banamex, and Travelers.

Business Summary
Citigroup Inc. is a diversified global financial services holding company whose businesses provide a range of financial services to consumer and corporate customers with more than 200 million customer accounts doing business in more than 100 countries. The Company's activities are conducted through the Global Consumer, Global Corporate and Investment Bank (GCIB), Global Wealth Management, Global Investment Management (GIM) and Proprietary Investment Activities business segments. Global Consumer delivers an array of banking, lending, insurance and investment services. GCIB provides a range of financial products and services. Global Wealth Management is comprised of the Smith Barney Private Client and Global Equity Research businesses and the Citigroup Private Bank. GIM offers life insurance, annuities and asset management products. Proprietary Investment Activities is comprised of Citigroup's private equity investments and other investment activities.

Financial Summary
For the nine months ended 30 September 2005, Citigroup Inc.'s interest income increased 19% to $55.38B. Net interest income after loan loss provision decreased 11% to $23.58B. Net income from continuing operation increased 36% to $14.83B. Net interest income reflects increased loans and securities, offset by increased deposits and borrowings. Higher income reflects higher transaction income.